If you find yourself going to your car one day and realising that your car has been damaged by another car or road user but they have not left you any contact details, depending on the extent of the damage, you may find yourself exploring avenues to recover your repair costs.
The Untraced Drivers’ Agreement 2003 includes compensation for property damage resulting from accidents occurring on or after 14 February 2003.
In order to be able to make a claim though the Motor Insurance Bureau (MIB) you need to be aware of the following and take the following steps:-
Claims for property damage must be made within 9 months of the accident date and subject to a £300 excess.
Personal injury claims must be made within 3 years of the date of the accident.
To make a claim:
• You firstly need to report the incident to the Police. This must be done within 14 days of the accident occurring. If it is damage to property, they must be notified within 5 days.
• Secondly, make enquiries to see if you can identify the driver, check any information you may find out with the Police. You could even try making contact with the motorist in person, and/or tracing the registered keeper via DVLA and contacting them. Their failure to notify you may have been accidental. They may not even know that they caused damage to your vehicle.
• If you have been unable to identify the driver, next try to identify the vehicle involved through any registration number you may have obtained from any passer-by or witness to the incident.
• Finally, contact your own insurers as your policy conditions will demand that you report all accidents. They may be able to trace the other party’s or his/her insurers. Your insurer also has access to the Motor Insurance Database which may contain details of the motorist’s insurers.
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