UK MOTOR INSURERS BUREAU
MIB CLAIMS

Accident 999 is a network of personal injury solicitors who have detailed experience in dealing with Motor Insurers Bureau uninsured driver claims. Our team provides legal advice and information at no cost and works on a completely risk free no win no fee basis. You do not have to provide finance in any respect and you do not have to pay for any expenses as the claim proceeds. If you submit your details an experienced advocate who is a member of The Law Society Panel of personal injury experts will respond and give free advice without obligation on what steps you should take.

The MIB was set up as a service by the Government to administer a fund which pays compensation to the victims of negligent uninsured car drivers or negligent untraced hit and run drivers. The M.I.B. fund is financed by a levy on all UK motor insurance companies and is therefore effectively paid for by all vehicle users as a proportion of each motor insurance premium is paid into the fund by the insurers.

In the case of a claim against an uninsured driver the claim is dealt with in almost exactly the same way as it would be if the claim was against another car driver who was insured. Negotiations for settlement of the claim will be with the M.I.B. rather than an insurance company. The MIB imposes a nominal excess of £300 and compensation for injuries and other losses and legal fees are paid in full subject to the nominal excess being deducted. Losses that can be claimed include pain and suffering, loss of income, vehicle repair costs, replacement vehicle hire, medical expenses and prescriptions and loss of amenities of life. Claims against uninsured drivers inevitably take longer to resolve than if the car driver was insured. It is usually necessary to instigate court proceedings and obtain judgement and the Motor Insurers Bureau usually settles any judgement obtained after the expiry of seven days if the judgement remains unsatisfied provided that they have been given proper procedural notice.

If the other driver was untraced or unidentified as in a hit and run accident then a claim can be made to the MIB for compensation for pain and suffering including psychological conditions for personal injury and for those losses resulting directly from the injuries sustained. Other losses such as property or vehicle damage cannot be recovered. If the MIB's decision on liability or the amount of the award is not found to be satisfactory then an appeal can be made. The other very important difference in making an MIB claim as a result of an accident caused by an untraced driver is that the MIB will only pay legal fees of £175 + VAT, plus disbursements including medical report fees. The legal costs of most claims will be more than this and the excess will be deducted from any award.