My husband had a bad accident on the M4 15 months ago after a driver who had fallen asleep behind the wheel drove him off the road. He suffered a lot of minor injuries/brusing. He twisted his ankle and suffered whiplish after hitting a concrete police monitering stand. The sleepy driver did not stop and the police couldn't trace him. We applied to MIB(untracable drivers fund) for compensation for the injuries. The car was written off but was only worth £100 so we didn't claim for that. 15 months on my husband still needs physio on his neck. The offer from the MIB is £2500 and free private physio until his neck is better. Is this a good offer, we don't know what the going rate is for a near death experience on the M4. What do you think?
2006-09-29 00:32:57 · 11 answers · asked by jcjw 2 in Business & Finance ➔ Personal Finance
Unfortunately as the driver did not stop, there is nobody from whom to make a claim. If the MIB is offering £2500 then you should take it.
While I sympathise, I don't believe you are in a position to bargain.
The MIB is not responsible for the incident, so you are not claiming from them as such, they are compensting you from a fund that is made up from small percentages of insurance premiums.
2006-09-29 00:39:06 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I think under the circumstances you have explained with no real concrete evidence on the driver who did a runner the offer of £2500 and free physio is rather generous and i would snatch their hand off.>>I understand your stating is it the rate for near death no of course not but what can you do to alter the decision of the M I B>> Why don't you contact the companies on TV no win no fee is worth a try but i wouldn't hold your breath. Good Luck I hope your injuries slide away soon
2006-09-29 07:49:06 · answer #2 · answered by srracvuee 7 · 0⤊ 0⤋
near death experince
well he didint suffer death so that irrelevant
compensation should be precisely that - compensation for losses incurred.
if your husband has lost money, or incurred extra costs as a result of the accident then that should be compensated for.
the MIB are agreeing to pay for physiotherapy so thats not a cost
has he actaully lost days / hours off work, if so then thats a cost. the compesnation should put you in the position as if the incident never occurred ie any reasonable costs should be met. if hubby hasn't lost time at work then £2,500 sounds a steal. if he has do some basic maths work out time taken off (not time given by his employers but time actually taken off by hubby with no pay) multiple by whatever the effective rate is and do a comparision.
the only going rate that should be relevant is the costs incurred by your hubby as a result of the incident, not out of the imagining of a contingency fee lawyer
2006-09-29 07:46:15 · answer #3 · answered by Mark J 7 · 0⤊ 0⤋
In my experience the MIB is pretty fair with offers like this. You also have to remember that their payment to you comes from a percentage of everyone's insurance premium, so if you do get more you'll probably end up paying for it the next time you get insurance.
I think you would probably have got more if you had been able to claim against the other driver, but in view of the fact he or she drove off then I think it's pretty reasonable. Good luck with whatever you decide.
2006-10-02 03:26:09 · answer #4 · answered by Andrew 4 · 0⤊ 0⤋
If you want a comparison:
I was given £1800 when somebody bumped into the back of me in a traffic jam - got whiplash and minor damage to car. about 1 week off work.
2006-09-29 08:04:23 · answer #5 · answered by the thinker 3 · 0⤊ 0⤋
Personally, I'd accept it. If they're giving me money and they weren't responsible, AND they're paying for physio until he's recovered, I'd take it. As someone else said, at least he's still with you.It could have been much worse... and compensation would be the last thing you'd be worrying about....
2006-09-29 13:03:15 · answer #6 · answered by Shell 1 · 0⤊ 0⤋
I have always been advised not to take the first offer.I dont know the going rate but it should be easy to find. How do you know this driver fell asleep if he's never been traced?
2006-09-29 07:38:13 · answer #7 · answered by returnofkarlos 2 · 0⤊ 0⤋
Go to one of the specialist lawyers advertising on the TV. They work on no win no fee basis and if they agree to take your case on, it means they think you deserve more.
2006-09-29 20:58:57 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Call in any solicitors they give free legal advice on first consultation. they have loads of case studies .they will give u honest advice.
2006-09-29 07:49:15 · answer #9 · answered by Anonymous · 0⤊ 0⤋
only you can decide if its enuf, what financial loss have he incurred and if any does this cover it? I think more importantly than the ££'s you should be thankful that his life has be spared.
2006-09-29 07:42:53 · answer #10 · answered by sugarmejooga 1 · 0⤊ 0⤋