Motor Insurance Bureau (MIB) – who are they?

The Motor Insurance Bureau is a insurer funded organisation that exists to compensate motorists who have been involved in a non-fault accident with an Uninsured or Untraced Driver. The MIB has two schemes that offer compensation: -

• The Untraced Drivers Agreement, this takes effect in hit and run type accidents when the other driver is at fault for the accident and leaves the scene. The rules on how to claim are very strict. For example, you must report an incident to the Police within 14 days, the incident must have arisen in the last 3 years and you must always keep losses to a minimum, while the accident must not have been your fault. Pay-outs are only payable for your injuries and associate losses under the Untraced Drivers Scheme.

• The Uninsured Drivers Agreement provides compensation when the other driver can be identified and is Uninsured. Again, the incident must have been reported to the police (within 5 days) and have arisen within 3 years. You can claim for your injury, as well as damage to your car, however there is a £300 excess that applies in this type of case.

Here at Bevirs Law we understand that making a claim can feel daunting. We have experts on hand who can guide you through the claim process. For a free consultation please contact us and we will organise a meeting at your convenience to evaluate your claim and put your mind at rest.

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