On 22 Jan 2010 I was hit from behind whilst parked about six cars back at a red light. At the scene the other driver apologised, admitted it was his fault, gave me his details and, as neither I nor he was seriously injured and both cars, although damaged, were drivable, we left it at that. I spoke with my insurance company who referred me to an 'accident management specialist'. I was told this was the best way to go so I didn't lose my no-claims and, as I had started to feel pain in my neck and shoulders and been diagnosed with whiplash at hospital a few days later, I was also referred to my insurance company's solicitors.

Since then I have had nothing but trouble, the guy who hit me was very vague in his contact with me and I found out he hadn't reported the accident to his insurance company. I told my solicitor this and she assured me I need not worry. Eventually we found out he had a trade policy that covered several vehicles and they paid out to cover my repairs on a 'without prejudice' basis.

Four months on and I'd heard nothing regarding the injury side of things, although I had been asked to attend a full medical and six sessions of physio by my solicitor. She has now come back to me to say it turns out he isn't insured. Although he has a 'trade' policy that covers several vehicles, the one he was driving when he hit me isn't one of them. My solicitor now says I have to go through the 'MIB'. I've now also reported the incident to the police as driving without insurance is obviously illegal, as is providing fake details re insurance.

Anyway, I just don't know what's going on now, what is the MIB and how do you know if you qualify for their assistance? Who will pay my solicitors fees now I know he isn't insured? What about all the medical stuff they made me go for? To say my solicitor has been 'poor' responding to me is an understatement, I have to chase for everything and she gives little or no info when I ask questions. Basically I'm frustrated and don't know where I stand.