By: Simon B
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If you’re subjected to any type of crime, even though it’s minor in nature, you may not be able to get very far in enforcing your rights unless you have contacted the police. If you’ve had your wallet or mobile phone stolen, for example, or even had a break-in at home, the police may not visit the scene. However, unless you’ve reported the incident and have a reference number, your insurance company is unlikely to payout.
In the case of a car accident, you may discover that the driver who caused the accident was uninsured or gave you false information at the scene and may never be traced. Unless the police have been involved and have a report of the accident, you may find have difficulty claiming for the damage through the Uninsured Drivers Agreement or Untraced Drivers Agreement, which is run by the Motor Insurers Bureau. You can get more information on the Bureau’s Web site at www.mib.org.uk or from the CAB.
Similarly, a Criminal Injuries Compensation Scheme helps the victims of crime. If you’ve been attacked and injured in the street and the attacker can’t be found or can’t pay you compensation, the scheme pays fixed sums for particular injuries. Once again, you need to report the incident to the police. You can get details of the scheme from the Criminal Injuries Compensation Authority at https://www.gov.uk/government/organisations/criminal-injuries-compensation-authority or 0800-358-3601, or the Citizens Advice Bureau can help.
Don’t let crime go unreported just because you feel that nothing can be done or that the police will be reluctant to be involved. You may find it difficult to enforce your rights if you haven’t reported it and recorded the details.