Motor Insurance Bureau Claims (MIB)

The MIB is an organisation set up by many insurance companies working together, to pay compensation to those who have been involved in an accident involving either an uninsured driver or a driver / vehicle that cannot be traced.

If making a claim involving an Untraced Driver, you have to show that:

  • the driver has not been traced
  • the driver would have been liable for your injuries had he/she been traced
  • this was NOT a deliberate attempt to run you down
  • the claim is made within 3 years of the accident
  • the matter has been reported to police as soon as possible

You will NOT be able to claim through this scheme if at the time of the accident, you were knowingly allowing yourself to be carried in a vehicle that you knew or had reason to believe that:

  • it had been stolen or unlawfully taken
  • it was being used without valid insurance cover
  • it was being used in the course of criminal activity
  • it was being used as a means of escape to avoid lawful apprehension

If making a claim involving an Uninsured Driver, you have to show that:

  • the driver is not insured
  • the claim is made within 3 years of the accident
  • the matter has been reported to police as soon as possible

You will NOT be able to claim through this scheme if at the time of the accident, you were knowingly allowing yourself to be carried in a vehicle that you knew or had reason to believe that:

  • it had been stolen or unlawfully taken
  • it was being used without valid insurance cover
  • it was being used in the course of criminal activity
  • it was being used as a means of escape to avoid lawful apprehension

If the MIB agree to deal with a claim, they take the place of the Defendant and the claim proceeds as any other personal injury claim. The MIB do however have the option of claiming back any compensation paid out to the Claimant, from the uninsured driver once the claim has settled.

Important Points To Note

  • Take photographs of the accident scene and any vehicles involved. Note the date that they were taken on the back, along with who took them, or if not printed off, make a note and keep this safe
  • Make a note of the vehicle registration numbers, date, time and location of the accident, also weather conditions, etc.
  • Take down details of any witnesses to the accident
  • Contact the police as soon as possible and make a note of any crime reference number given
  • After the accident, keep a diary of any symptoms and when they started, any GP / Hospital visits, along with details of any expenses / financial losses. Keep receipts where possible.
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