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 if you were injured:
- in a serious car accident claim as a driver or passenger (but only in claims worth more than £5,000 for personal injuries, and/ or more than £10,000 overall)
- on a motorcycle as a driver or pillion 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 experts 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 driver claims the things 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 £400 excess.
The good news is that you can always make personal injury claims with the MIB provided they are sufficiently serious, you deal with matters correctly when reporting to the police, file 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.
How do I start my MIB claims with Donoghue Solicitors?
Rating: ***** Fast & efficient service Donoghue Solicitors are professional, friendly & very effective. They made me feel at ease from the moment I approached them with my claim and dealt with my case as quickly as possible, keeping me informed every step of the way. I couldn’t have asked for a better service, and I… Read more »
Rating: ***** Highly recommended I recently had a bad car crash and sustained some bad injuries. Donoghue solicitors from the start made me feel there was light at the end of the tunnel. They really fought my corner and I received full compensation for my vehicle and got a very good pay-out for the injuries I… Read more »
Rating: ***** Efficient Service I would highly recommend this firm the staff are very friendly and efficient. They kept me informed throughout my claim and the service was fantastic. Read more reviews here.
Rating: ***** I would highly recommend Donoghue Solicitors they offer a friendly, helpful, first class service and are always on hand to offer advice. A very professional company. Read more reviews here.