Being involved in a hit-and-run accident can be stressful and confusing. It is a cowardly act done by individuals seeking to escape taking responsibility for their actions. Whether you are a driver, passenger, cyclist, or pedestrian, the steps to take and your rights to compensation are similar whether the accident happens in Belfast or Dublin.
A hit-and-run occurs when a driver leaves the scene without providing their contact or insurance details. In our experience, this more often happens when the driver is uninsured, intoxicated and wishes to avoid legal consequences.
Even if the driver cannot be traced, victims can still pursue compensation for personal injury and, in some cases, property damage through the Motor Insurers’ Bureau (MIB) in Northern Ireland or the Motor Insurers Bureau of Ireland (MIBI).
Immediate Steps After a Hit-and-Run
The first priority after any accident is medical attention. Even minor injuries can worsen over time, so seek professional assessment as soon as possible.
Next, gather as much information as you can at the scene. This includes details of the other vehicle if possible, witness contact information, and photographs of the vehicles, the accident scene, and any injuries. If CCTV or dashcam footage is available, make sure it is secured. Record the time, date, and weather conditions.
It is essential to report the incident to the authorities. In Northern Ireland, this means contacting the PSNI, and in the Republic of Ireland, the Gardaí. Even if the accident seems minor, reporting it ensures a record exists should you need to make a claim. The MIB and MIBI will expect you to report the matter within 14 days.
Inform your insurance company promptly so that the incident is officially documented. Then, contact a solicitor experienced in hit-and-run claims. They can guide you through submitting your claim to the MIB or MIBI, obtaining necessary medical and police/Garda reports, and ensuring you receive the maximum compensation.
Compensation for Hit-and-Run Accidents
Both the MIB and MIBI provide compensation for victims of uninsured or untraced drivers. Personal injury claims are generally covered even if the at-fault driver cannot be identified. Vehicle and property damage may also be covered, although in Ireland a valid vehicle registration is usually required.
Our experience is that MIB and MIBI claims often move slower than other types of claims but recent improvements in MIB services in Northern Ireland have made claims faster and easier to track online. You can find more details about these updates here.
Common Injuries and Causes
Hit-and-run accidents can result in injuries ranging from whiplash, back injuries, and fractures, to more serious harm such as head trauma, spinal cord injuries, or paralysis.
These accidents are often caused by speeding, driver fatigue, ignoring traffic rules, using a mobile phone while driving, or driving under the influence of alcohol or drugs.
How Lacey Solicitors Can Help
If you have been involved in a hit-and-run in Northern Ireland or the Republic of Ireland, Lacey Solicitors can guide you through the claims process. We pride ourselves as an all-island insurance law firm. We regularly assist with MIB and MIBI claims, gather reports, and help ensure you receive the compensation you are entitled to for personal injury and related losses.
