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DRIVETIME:MOTORING: CRUNCH TIME; WEEKLY SERIES.

CRASH!

Q. MY father's Caterham 7 was hit by another driver who jumped a red light, but they gave him a false telephone number and address. Is there anything he can do?

A. There is an organisation known as the Motor Insurers' Bureau (MIB) which deals with accidents where the negligent driver is either uninsured or untraceable.

If you have a registration number, you should report the matter to the police. Hopefully, they will be able to track him down and should he prove to be uninsured you can bring a claim against the MIB as if they were his insurer.

A pounds 300 excess will be deducted from any payment they make to you. If the driver cannot be traced then the MIB will still handle your claim, but only in respect of any personal injury suffered by you or any passengers in the car.

Q. MY brother was hit by a bus 18 months ago. Although he was okay at the time, he has now started to suffer panic attacks. His doctor is certain this is down to the accident, as he has never suffered from this before. Is he still entitled to make a claim?

A. From the date of the accident you have three years in which to bring a claim against the negligent driver if you suffered an injury and believe that you can claim compensation. After that time, you are effectively barred from bringing a claim - although there are some exceptions.

You should always ensure that your GP or an A&E doctor examines you and records any symptoms immediately following an accident. This will help establish the link between any injury and the accident. Your solicitor will do the rest.

BANG!

Since 1st January the DVLA has been able to automatically impose a fine of pounds 80 on drivers who do not pay their road tax. Previously the car had to be seen on the road without tax.

WALLOP!

Someone really said: "While sitting at a set of traffic lights I was distracted by an attractive woman in the car next to me. When she moved forward so did I. Unfortunately the car in front of me was still stationary."

For FREE Oops! Legal Expenses Insurance log on to www.accidentexchange.co.uk/ trinity
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Title Annotation:Features
Publication:Coventry Evening Telegraph (England)
Date:Feb 20, 2004
Words:381
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