I also see the point and have been paying for more then 41 years into motor insurances (bike and car). As it happens I was a pedestrian this time. Even if I have other personal insurance, I still feel that the 'reason' for the injury should compensate for the result. And if the judges, courts, insurance companies & goverment would take a less lenient attitude to something which I regard as criminal (and is in most other european countries), like no insurance, no tax, and specifically 'hit and run' instead of treating those offences as minor, maybe the general attitude would change too. I know through my involvement with a support group, that drivers who have through their fault caused death, being let of with fines and NO mention of the death / injuries they caused is made during the hearing. And if affected relatives want to point this out, they get threatened with 'contempt of court' actions. And other drivers involved in a hit and run with no or revoked driving licences, no insurance, mot or tax being let of with a fine for just one of the offences (never the hit and run though). That is my gripe! And the fact that the MIB has been stalling from the word go, will pay no interest on the past financial losses, but deduct it from any losses for the future because they are paying a lump sum. -- There are of course schemes for criminal injuries. But they always explicitely exclude victims of road traffic incidents from any rights never mind financial compensation.

I try not to dishearten any of you, but I am still waiting for a payout from the MIB after having been run over as I was crossing the road in 2002. As it was a hit and run, person not found but the car, which was not registered and therefore not insured, I have to rely on the MIB for any compensation. Initially they tried to tell me I would only get 50% as it was my duty when crossing the road to ensure that I would not be in danger while doing so. Apparently they are a law onto themselves. And NO you can not take them to court. I have had major expenses and had them since 2002, but when they finally make a payout they will not pay interest and as for legal fee, the maximum they will pay is £180 pounds, which means that I will pay my solicitor form my compensation, which is obviously much more then £180. They have made an offer, but the first one they made was only to compensate me for my obvious financial loss. The initial offer did not include any element for the fact that I spent 4 weeks in hospital, have undergone 10 operations, had a metal frame for 8 months, did not work for nearly 18 months and am now reliant on other people to do a lot of things I did myself, am also now permanently disfigured, had to give up all the sports I used to do, not to speak of the psychological damage. Every time they make an offer they reduce the payout for the disadvantage on the labour market as I am getting closer to my retirement age!! Recently it has taken them between 8 to 12 weeks to respond to a letter from my solicitor and eventually daily calls from the solicitor (The claim handler is never available, calls are not returned) before we get yet another paltry response. I don’t even want to get into the cost that this involves for me. I have lost all my trust in getting justice for what happend to me.More than 7 years this has been going on!!! And no end in sight. Of course I could just accept any offer they make. But it just feels wrong. The accident ruined my life, and the MIB are doing it a second time.