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 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: ***** Excellent service! Following a recent car accident, Donoghue Solicitors made a very stressful and difficult time so much easier. Their speed of response, consistent communication and helpful professional manner, really made a bad situation so much better. A wonderful company to deal with – Highly recommended. Read more reviews here.
Rating: ***** Highly recommended I used Donoghue Solicitors after I was falsely arrested some time ago, every step of the way I was informed of every action that was to be taken and felt very confident I would be successful, not just by the professional manner in which Kevin Donoghue and his solicitors conducted themselves but …
Dear Kevin, I would like to thank you for all your help over the past year or so. My family and me had a fantastic Christmas and its all thanks to you. I cannot explaine [sic] how happy I was to receive that money, not alot left but kids had a fantastic Christmas and my …
Rating: ***** Brilliant! Donoghue Solicitors dealt with my claim against police with absolute professionalism and sensitivity. Daniel Fitzsimmons dealt with my case and honestly I couldn’t of had a more genuine person who made me feel at ease with the whole process. My claim was on a no win no fee basis. I had previously …