The Motor Insurers Bureau, also known as the Motor Insurance Bureau or MIB, is an organisation supported by insurers, and paid for by vehicle owners who obtain insurance. Its purpose is to act as ‘insurer of the last resort’, and to compensate innocent accident victims in their traffic accident claims against uninsured, or untraced, motorists.
How do I make a traffic accident claim against the Motor Insurers’ Bureau?
Most people involved in road accidents approach accident claims solicitors, such as Donoghue Solicitors, a specialist law firm dealing only with compensation claims. Our lawyers are experts in dealing with such claims, where the paperwork, rules and regulations are complex. It can be very easy for the unaware to fall foul of them, and result in innocent accident victims missing out on the valuable compensation they deserve.
MIB claims are made on the same basis as for other traffic accidents. It is the claimant’s job to submit their claim in time and prove it. The purpose of the Motor Insurers’ Bureau is to put the innocent victim in the same position as if the accident did not happen.
Which MIB claims do your accident claims solicitors deal with?
Donoghue solicitors can help you if you have a car accident claim, or if you were injured on a motorcycle, bike, as a passenger, or even as a pedestrian. We will advise on the particular circumstances surrounding traffic accident claims involving uninsured drivers (where the driver can be identified, but did not have insurance), and untraced drivers claims (where the driver cannot be identified but it can be proved that the accident occurred).
The MIB have peculiar rules when it comes to claiming accident compensation. It is important that you speak to one of our accident claims solicitors as soon as possible after the accident to ensure that your claim is protected.
What motor insurance bureau claims can I make?
The MIB have to compensate you as if there was a valid insurance policy in place in uninsured claims. This means that, provided you comply with the MIB’s terms, you are entitled to compensation for your personal injury claims, lost earnings, private medical treatment, out of pocket expenses etc. You may also be entitled to damages for vehicle repairs and replacement vehicle hire, depending on the circumstances.
In untraced claims the damages you are entitled to claim are similar but the rules on what you have to do and what you are entitled to recover differ. For example, in certain circumstances. you are not entitled to claim for property damage, or, if you are, your claim is subject to a £300 excess.
The good news is that you can always make personal injury claims with the MIB provided you deal with matters correctly when reporting to the police, filing your claim in time etc.
As mentioned above, it is best to contact our accident claims solicitors before taking any steps, and to do so as soon as possible after the accident.
Will Donoghue Solicitors work on a ‘no win no fee’ basis?
Yes! Our personal injury lawyers will help you claim against the motor insurance bureau on a no win no fee basis where possible. You can read more about our promise by going to our no win no fee accident claims page.