motor insurance burea

[scorpious123]

if anyone has ever dealt with them i tell you now we pay millions in to the kitty from our car insurance each year on average 30 pounds each ever year and if you are unfortunate like me to get injured by an idiot who had no car insurance ane ended up with a permanant disability over this i will tell you now forget the compensation claim they offer crap they are hard to deal with offer no medical assistance i have a nackerd back and all they to give is 3,000 for this i told them to stick it up there back side side ways 40 months of a back injury if this was america the compensation would be different

[factor-fiction]

Sorry to hear of your problems.
Sadly MIB only has small funding and with ever increasing number of uninsured drivers it cannot afford to pay what the major insurers pay.
Why would America be any different? Who would pay the huge compensation in America. You have to be able to trace the person responsible so you can sue them. And if he has no insurance you could only get as much from him as he can afford- usually nothing!
The real problem is uninsured drivers. We are all subsidising them and they cause misery when they have an accident with us

[Ethel]

Yes - and this is what annoys me so much when people on this site say uninsured drivers aren't really a problem because the MIB pays up.

The amount of compensation is severly restricted - if he had been properly insured you would have had proper compensation.

I pay for my own accident / injury insurance - which is what the Americans do. Their compensation culture is funded by the American government.

It makes me so very mad that uninsured drivers are getting away with fines less than the cost of insurance. And I am paying �30 every year because of them,

[buildersmate]

So there is something to be said for the Islamic method of metering out justice - driving without insurance sounds like a couple of chops to the hands to me. The punishment no longer fits the crimes in the UK.

[scorpious123]

hi builders mate one day im hoping to see him and believe me he will pay for his crime and i will let him suffer like me

[Buenchico]

When someone, through negligence, harms you or your property, you have the right to demand compensation from that person. An insurance policy allows someone to pass the bill on but the absence of insurance doesn't mean that the wrong-doer escapes the liability to pay compensation.

If the uninsured driver has got any form of capital (e.g. a house or a decent car) speak to a solicitor about suing him. (There are plenty of 'no win, no fee' deals around but check the small print before entering into any agreement). You might be able to force the guy to sell his house (for example) in order to provide you with some compensation.

Chris

[factor-fiction]

Might work, although in practice it's difficult to get money-eg house is probably a joint asset. I wonder why MIB don't claim for the money- maybe they realise there's little chance of recovery?