Hit by an Uninsured Driver? Your Rights as a PCO Driver

The other driver is at fault. They have no insurance. Or they fled the scene. Your car is damaged. Your earnings have stopped.

You can still claim. Here's how.

The MIB: Who They Are

The Motor Insurers' Bureau (MIB) is a UK body funded by every motor insurer. They exist for exactly this situation: when you've been hit by an uninsured or untraced driver and there's no insurer on the other side to claim against.

You can claim against the MIB for:

• Vehicle damage - Personal injury - Loss of earnings - Replacement vehicle costs

The MIB pays as if the at-fault driver had been properly insured.

Two Types of MIB Claim

**Uninsured Drivers' Agreement.** The other driver is identified but has no valid insurance. You can claim against the MIB.

**Untraced Drivers' Agreement.** The other driver fled the scene (hit-and-run) and can't be identified. You can still claim, but the rules are stricter - you must report to police within 14 days for property damage, 5 days for injury.

What You Need to Do at the Scene

For uninsured driver cases:

• Get their details anyway - name, address, vehicle registration - Photograph their vehicle (especially the registration plate) - Take down witness contact details - Note time and exact location

For hit-and-run cases:

• Report to the police immediately (101 or in person) - Get a crime reference number - Look for CCTV nearby (shops, petrol stations, council cameras) - Check your dash cam footage

The crime reference number is essential - without it, the MIB will reject an untraced claim.

Timelines That Matter

These deadlines are strict. Miss them and your claim is rejected:

• **Hit-and-run, property damage:** Report to police within 14 days - **Hit-and-run, personal injury:** Report to police within 5 days - **Submit claim to MIB:** Within 3 years of the accident (or 9 years for under-18s)

We file claims long before these deadlines, but the police report is on you to do at the time.

What the MIB Pays For

For PCO drivers specifically, the MIB will compensate:

• Repair costs (or write-off value) ✓ Loss of earnings (with Uber/Bolt evidence) ✓ Replacement vehicle costs ✓ Personal injury (if applicable) ✓ Excess on your own policy ✓ Recovery and storage charges

There's a £300 excess on untraced property damage claims - meaning the first £300 of vehicle damage isn't recoverable. For uninsured driver cases, there's no excess.

What We Handle

MIB claims are slower than standard insurance claims - typically 6-12 months for resolution. We:

• Submit the MIB application with full evidence - Co-ordinate the police report and witness statements - Provide a replacement vehicle while you wait - Calculate and submit loss of earnings - Negotiate the final settlement

You don't deal with the MIB directly. We do.

Before You Call Us

Have ready:

• Photos of damage and the scene - The other driver's details (if known) - Police crime reference number - Witness contact details - Your insurance policy - Your Uber/Bolt earnings statements (last 3 months)

Key Takeaway

An uninsured driver doesn't mean an unpaid claim. The MIB system exists precisely so that drivers like you don't bear the cost of someone else's failure to insure their vehicle.

Call us as soon as it happens. The first 24 hours of evidence-gathering matter more than anything that comes later.