Can you issue proceedings against MIB?

When MIB has been given notice of a claim, it may require the claimant to bring proceedings and attempt to secure a judgment against any other person or persons whom MIB believes to be wholly or partly responsible for the loss or damage or who may be contracted to indemnify the claimant.

Can insurers recover outlay from MIB?

Insurers will, in general, not prejudice a non-fault customer in terms of his No Claim Discount (NCD) just because the insurer is unable to recover its outlay from MIB. As such, MIB is not liable for any judgment arising out of the use of such vehicles.

How long does it take for MIB to make a decision?

How long will my MIB claim take to be processed? The MIB will try to have a decision made within three months as to whether compensation will be paid out for injury claims.

How do I complain about MIB?

Complaints and feedback If you are having difficulties accessing your online claim, please email the support team at [email protected] For all other feedback on MIB services: Please email us at [email protected]

What can you claim from MIB?

MIB is restricted to paying compensation in circumstances where compulsory motor insurance should have been in place. In summary this means MIB can pay compensation for property damage, death or injury arising from the use of a motor vehicle on a road or a public place in accordance with the Road Traffic Act 1988.

How do I contact MIB?

Please call us on 01908 830 001 to find out how we can help if you cannot read this booklet or if you cannot complete the claim form because of a disability. MIB is open Monday to Friday between 9am and 5pm.

What does the MIB cover?

Do MIB always pay out?

Normally, compensation will be paid within 3 months. MIB payouts can include everything a claim against a motor insurance company would normally cover. This includes payments for vehicle damage as well as the pain and suffering caused by your injuries.

Can you claim against an uninsured driver?

Fortunately, if you have been involved in a road traffic accident with an uninsured driver, which was not your fault, you can make a claim through the Motor Insurers’ Bureau. The MIB is an organisation set up and funded by motor insurers to deal with claims without a known insurer to direct it to.

What is the main function of the MIB?

The MIB provides a dedicated Police Helpline to assist police at the roadside with insurance queries. This vital service allows law-abiding drivers to continue their journey and those driving without insurance potentially to have their vehicle seized.

How is the MIB funded?

According to the MIB’s website’s FAQ section, the cost of funding the MIB is ultimately borne by law-abiding motorists who pay their insurance premiums. The offices are near the junction of the A422 (Monks Way) and B4034 (Marlborough Street) in Linford Wood, Milton Keynes.

What happens if you have an accident and are uninsured?

Accidents where you’re uninsured Legally, at-fault drivers are liable to pay all of the injured party’s damages. The purpose of an insurer is to foot the bill if you find yourself in this unfortunate situation. However, if you don’t have proper insurance, you’ll be left to pay out of pocket.

Do you need to report an untraced driver to the MIB?

The MIB do not require a full report, but will want evidence you at least tried to report the matter. Under the current system, the Motor Insurers Bureau (MIB) will pay compensation to victims of untraced drivers and will also pay towards their legal costs, although the amount they pay is capped based upon the value of your claim.

Who is able to submit a claim to MiB?

It provides a route for the victims of ‘hit and run’ accidents to claim compensation for the injury or damage caused by a person who cannot be traced. Since the Agreement was signed and published in January 2017, a small change has been made to Clauses 10.1 and 10.2 to clarify who is able to submit a claim to MIB.

Is the MIB obliged to act like a court?

MIB is obliged to act like a court in its consideration of the facts and evidence; it is not ‘defending’ a claim against it and must act in an inquisitorial fashion in gathering and considering the evidence. The claimant is obliged to co-operate with MIB’s investigation and the Agreement contains various measures aimed at guarding against fraud.

When does MiB have to pay property damage?

MIB is only obliged to pay property damage claims in these circumstances if it has compensated any claimant in respect of an SPI arising out of the accident. The definition has now changed meaning less severe injuries will be classed as a SPI.