How much compensation can I claim for a stolen Car / vehicle accident or injury?

If you have been involved in an accident with a vehicle that was stolen then you may be unsure whether or not you can claim for compensation. While cases seeking compensation for an accident involving a stolen vehicle can be complex, they can still result in financial remuneration for injured parties who were not at fault.

Stolen vehicle accident

Stolen vehicle accident

Road traffic accidents involving uninsured or stolen vehicles are unfortunately not uncommon and with no insurance company to deal with, you may be uncertain where you can go to get the justice you deserve. Compensation claims for road traffic accidents involving stolen vehicles are complex but with the aid of a legal expert, you can still get access to the financial compensation you deserve.

You should always enter into any personal injury claim armed with as much information as possible and that’s what this guide aims to provide. Once you have all the details you need, call the team at Accident Claims UK on 0800 073 8801 and we will put you in touch with an expert stolen vehicle injury lawyer who can help you to begin the process of claiming if you have been hit by a stolen car and injured as a result.

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A guide to stolen vehicle accident and injury claims

In most road traffic accidents involving uninsured or stolen vehicles, the driver who caused the crash is never traced. This means that they are never held to account for the damage they have caused and any injuries innocent parties may have sustained. This is the biggest reason why many compensation claims for road accidents involving stolen vehicles go unfiled as the victims wrongly assume that they won’t get any justice for their injuries.

However, this guide will explain what to do if you are hit by an uninsured or untraced driver and how you can go about claiming compensation for any injuries, physical or psychological, that you sustained as a result. You can submit a claim for compensation to the Motor Insurers Bureau (MIB) if you have been hit by a stolen car and the driver has evaded capture. This guide will go on to explain the process of filing a claim with the MIB and what they will do to help you seek justice.

A stolen vehicle accident solicitor will be able to help you file your claim and give you specific advice on your case but this guide will provide you with a thorough overview of the process and what your next steps should be.

What are stolen vehicle accident and injury claims?

Vehicle theft is on the rise and this has also lead to an increase in road traffic accidents involving uninsured or stolen vehicles. When these vehicles are driven at speed, accidents can easily occur and it is unsuspecting, law abiding drivers who often bear the brunt of the damage. When you are involved in a car accident, you usually claim any damages and compensation from the driver and their insurance company. However, when in the case of stolen vehicles, driver often leaves the scene and goes untraced.

In cases such like this you can still claim compensation for an accident involving a stolen vehicle even though there is not an opposing insurance company to claim from. This guide aims to explain what to do if you are hit by an uninsured or untraced driver so that you can still gain access to the compensation you are entitled to. If you have been hit by a stolen car or a stolen car hit my parked car, then with the help of a legal expert, you can still file a claim for compensation.

Hit and run by a stolen car cases are unfortunately not uncommon and if you are wondering “if my car is stolen and in an accident am I liable UK? ” then this guide will help explain the answers. You would not be liable for any compensation claims if you were not the driver, they claim would be filed again the Motors Insurance Bureau just as it would if you were filing any other compensation claims for road accidents involving stolen vehicles.

This guide will help explain a range of examples of stolen vehicle accident claims and the legal team at Accident Claims UK will be able to go through your specific claim with you.

Stolen vehicle accident and injury statistics

In the Reported Road Casualties in Great Britain Annual Report showed that there were 186,189 reported casualties from road collisions in 2015. Of that number, 1,730 were fatalities and 22,144 were severe injuries. This was a 3% increase in serious injuries compared to the same report published in 2014. Although improved car safety features have seen the number of road fatalities lessen over the years, the number of severe injuries sustained has risen.

A report published by Her Majesty’s Inspectorate Constabulary (HMIC) estimated that around 700,00 cars were stolen between 2009 and 2014 but the police did not manage to attend a quarter or all reported thefts in 2013. This is mainly due to cuts and reduced resources however it does mean that many thefts go unsolved.

Theft of motor vehicles is on the rise with recent figures showing that over 91,000 vehicles were stolen in 2016/2017. A number up from around 76,000 in the previous year. With numbers like that it is no wonder that The Department for Transport Statistics recorded that 252,500 vehicles were reported to have been in an accident in 2016 alone.

If you have been one of the many people who have been caught up in road traffic accidents involving uninsured or stolen vehicles then there are provisions in place to help you to claim the compensation you deserve.

What is the Motors Insurance Bureau and how can it help me?

The Motors Insurance Bureau (MIB) was established in 1946 and is funded by insurance providers in the UK. All companies who provide vehicle insurance must be members of the MIB and contribute financially to it which ensures that the non-profit organisation has enough funds to cover any claims for compensation for an accident involving a stolen vehicle which are filed against in when a driver goes untraced following an accident.

The Motors Insurance Bureau was formed to come to the aid of those who had suffered road traffic accidents involving uninsured or stolen vehicles so that they did not miss out on the financial compensation they may have been entitled to, had the driver been traced or insured. The MIB also provides the details of the insurance cover of any vehicle.

If you have been hit by a stolen car and the driver has not been able to be traced then you can make a Motors Insurers Bureau compensation claim and the MIB will act as liable for your injuries and if your claim is successful then they will pay out any compensation that you are awarded. A specialised stolen vehicle injury lawyer can help you to file a claim for compensation with the MIB.

Stolen vehicle accidents and injuries at work

If your work requires you to drive a vehicle or undertake tasks related to your job role in which you must drive a car, van or other mode of transport, and you are hit by a stolen car then you may be entitled to compensation. For example, if you are driving to a job off site then you are placed behind the wheel due to your job and you should be able to claim compensation for an accident involving a stolen vehicle.

Compensation claims for road accidents involving stolen vehicles whilst you are at work can usually be filed against the MIB through your company insurance and any compensation awarded will vary in amount depending on the injury you have sustained and the impact that has had on your life. If you have had to pay for any medical treatment or equipment following your accident or if you have lost earning through needing to take time off work, then you can include these damages in your claim.

Stolen vehicle accidents in a public place or on a public road

Being involved in any kind of car accident is a seriously traumatic event but finding out that the car that caused the incident was stolen can leave you feeling confused and victimised. Road traffic collisions involving uninsured or stolen vehicles are much more complex and take a lot of time to be investigated and so they can drag on meaning you are constantly reminded of the event. If the police have managed to identify the vehicle and the driver if you’ve been hit by a stolen car then the insurance company which covers the vehicle may decide to accept liability for any compensation claim you decide to file. This is completely at the discretion of the insurer however, and they may flat out refuse to pay out.

If the insurance company covering the car refuse to pay out, or the police do not manage to identify the vehicle or driver after a hit and run stolen car accident, then the Motors Insurers Bureau should cover compensation claims for road accidents involving stolen vehicles. Accident Claims UK will put you in touch with a dedicated stolen vehicle accident solicitor who will help you to file your claim with the right authority.

In order to ensure that you have the strongest case possible, you should gather as much evidence as possible to support your claim. Try and gather statements from witnesses of the accident and take their contact details in case you need to contact them again. If you can, try and take photos of the accident site, or ask someone else to do it for you. You may also want to get a full medical report of any injuries you have sustained. If you believe the car that caused your road traffic accident was stolen, then you should report it to the police as soon as possible. It is a criminal offence to leave the scene of an accident too so if the driver of the car flees, you will also need to report this to the police.

How severe can vehicle and road traffic accidents be?

Road traffic accidents can vary wildly in severity from bumps from behind to catastrophic accident which wright off a vehicle and cause severe and life-changing injuries or even death. Assessing how severe road traffic accidents involving uninsured or stolen vehicles are is a complex process and depends on several variables.

The amount of compensation for an accident involving a stolen vehicle which may be awarded will vary depending on the severity of the case. This will be assessed based on how severe the injury that you sustained is and how much damage you have had inflicted on you. Compensation claims will also take in to account;

  • Severity of injury
  • Levels of pain suffered
  • Medical costs such as private treatment and medical equipment
  • General damages such as the cost of repairing or replacing your car
  • Special damages such as loss of earnings
  • Psychological pain and trauma as a result of the accident

In order to accurately asses the severity of your claim, it is a good idea to get a full medical report of your injuries. You may have visited A&E immediately following the incident but this won’t always give a thorough account of all injuries sustained and their implications. Accident Claims UK’s provided solicitor can help to arrange a full medical examination so that your dedicated stolen vehicle injury lawyer can show the full extent to which you have suffered.

It is important to recognise that some effects of road traffic accidents involving uninsured or stolen vehicles are not always obvious immediately but can affect your life in the long-run. Long-term injuries or effects can have the ability to impact your life and have a severe detrimental effect. Some long-term effects may cause disability and prevent you from living the life you had before the incident. Such effects include;

  • Brain damage
  • Loss of limbs
  • Spinal cord injuries
  • Burns
  • Herniated/slipped disks
  • Torn rotator cuffs
  • Head trauma
  • Development of psychological injuries

All of these have the potential to cause long-term suffering, pain and disability and therefore will make your claim for compensation for an accident involving a stolen vehicle more complex but also worth more money. For example, burns can cause long-term pain and damage to nerve endings but also may require further surgery to correct and cover.

Psychological injuries may not be as obvious as physical injuries but they can be just as debilitating. Being hit by a stolen car is traumatic and so can result in emotional trauma which can result in symptoms such as;

  • Disturbed sleep
  • Mood swings
  • Trouble concentrating
  • Feelings of depression
  • Development of anxiety or phobias

Not only are these symptoms difficult to live with but their effects can be far reaching as they may affect other aspects of your life such as your ability to work. This will increase the severity of your claim for compensation for an accident involving a stolen vehicle.

What to do if you have suffered an injury caused by a stolen vehicle

If you are involved in a car accident, it is important not to panic and to try and remember to follow these steps so that if you decide to pursue a claim for compensation for an accident involving a stolen vehicle, you will have enough evidence to show that you have sustained injuries as the result of an accident that was not your fault.

  • Stop the car- it is a criminal offence to leave the scene of an accident so even if it’s a minor collision, or the other driver doesn’t stop, you should still stop and report the accident
  • Contact the emergency services- if you or any passengers require immediate attention then call for an ambulance. You should also contact the police to report the incident, especially if the other driver has not stopped, as you will need a police reference number if you’re considering filing a personal injury claim after being hit by a stolen car
  • Take photos- collect photographic evidence of the accident site as you may rely on it to strengthen your case. You should also collect statements and contact details from any witnesses to the collision
  • Get your injuries treated- whether at A&E or at later date with a medical practitioner, you should get your injuries treated and get a medical report to prove that your injuries were caused by the accident
  • Inform your insurer- as per your insurance policy, you will have a set amount of time to report an accident to your insurance company to ensure that you do not invalidate your policy
  • Keep records and receipts of any treatments, appointments and expenses relating to the accident as support for your compensation claim

Is there a time limit in which to make my claim?

Any personal injury claim needs to be made within a three-year time limit starting from the date of the accident and this is the same for compensation claims for road accidents involving stolen vehicles. If a child has been injured as the result of road traffic accidents involving uninsured or stolen vehicles then the three-year time period in which to claim only begins once the child turns 18.

Stolen vehicle accident and injury compensation calculator

How much compensation for an accident involving a stolen vehicle you may receive is very much depending on the individual circumstance of your claim. Your case will be considered based on the severity of your injury and your suffering as well as any other expenses incurred such as medical costs and repair bills.

The below table is not a definite guarantee of the amount of compensation you may receive but it serves to show how much compensation amounts after being hit by a stolen car can vary.

InjurySeverityPotential compensationNotes
Toe injuryMild-severeUp to £42,000Soft tissue damage/amputation
Foot injuryMinor – severeUp to £153,000Soft tissue damage/ amputation
Achilles tendon injuryMinor – severeUp to £30,000Long-term pain/ restriction of movement
Ankle injuryMinor- severeUp to £53,000Soft tissue damage/ broken ankle
Knee injuryMinor- severeUp to £74,000Soft tissue damage/ ligament damage/ long term pain/ loss of movement
Leg injuryMinor- severeUp to £215,000Soft tissue damage/ broken bones/ amputation
Arm injuryMinor- severeUp to £100,000Soft tissue damage/ broken bones/ amputation
Shoulder injuryMinor – severeUp to £37,000Soft tissue damage/ restriction of movement
Neck injuryMinor – severeUp to £113,000Loss of movement/ long term pain
Back injuryMinor – severeUp to £113,000Long term pain/ spinal cord damage

The compensation examples in the above table serve as a rough guide, if you want a more accurate estimate of how much compensation you may be entitled to, Accident Claims UK can put you in touch with a dedicated stolen vehicle injury lawyer who can go through your case in detail.

How to start your stolen vehicle injury claim

While compensation claims for road accidents involving stolen vehicles may be complex in nature, starting your claim isn’t difficult. Accident Claims UK can put you in touch with a specialist stolen vehicle accident solicitor who will file your claim for you and deal with all the complicated processes on your behalf.

Your solicitor will need all the details of your accident where you were hit by a stolen car so you will need to gather your evidence such as photos of the accident, witness statements and medical reports together. The team at Accident Claims UK can arrange for a solicitor who will arrange a full medical examination if you are yet to have one. Once you have given this information to your stolen vehicle injury lawyer then they will fight for compensation on your behalf. Even if the driver has not been traced, your solicitor will file a Motor Insurers Bureau compensation claim in an attempt to win you the compensation you are entitled to.

Why use us to find the right solicitor

Accident Claims UK have one of the biggest networks of reliable solicitors, many of whom specialise in helping clients claim compensation for an accident involving a stolen vehicle and who are well versed in the intricacies claiming compensation when the driver remains untraced.

Our solicitors work on no win no fee basis so that you are under no financial constraints at all. No win no fee accident involving a stolen vehicle claims remove any financial risk for the claimant as if your claim is unsuccessful, you won’t have to pay our solicitors a penny. If your claim is successful then your solicitor’s fees are recuperated from the side which has been found liable for your injury.

Start your claim today

If you have been injured in an accident where you were hit by a stolen car then there is no time to delay in filing for compensation for an accident involving a stolen vehicle. Call the team at Accident Claims UK today on 0800 073 8801 to get your claim started or you can email our team on office@accidentclaims.co.uk or fill out our contact form online with the details of your accident and a member of our team will be in touch as soon as possible to discuss your claim.

Useful links

Car Accident Claims Free Legal Advice

Motor Insurance Bureau  Compensation Claims Calculator

Advice from the police

Motor Insurance Bureau

Compensation after accident