What is the Motor Insurers’ Bureau?
The Motor Insurers’ Bureau (MIB) is a UK guarantee fund that compensates victims of negligent uninsured or untraced drivers (ie. hit and run accidents). The MIB is funded via insurance premiums and the typical annual cost is £30 from each insured driver’s insurance policy. Compensation paid out since 1946 (when the MIB was created) is in excess of £2 billion.
What does the MIB pay out compensation for?
The MIB will compensate for physical injury suffered by victims of negligent uninsured or untraced drivers, and there is no limit to the level of compensation. However, claims must be brought within 3 years otherwise no compensation will generally be payable.
The MIB will also pay for property damage as a result of negligent uninsured drivers, but not in cases where the vehicle cannot be traced.
Uninsured and Untraced Drivers Agreements
The MIB pays out under agreements reached between it and government. Uninsured Agreements cover identified drivers who have caused an accident and injury to a fellow motorist or pedestrian.The Untraced Drivers’ Agreement requires the MIB to cover victims of ‘hit and run’ accidents.
How to make a claim under the Uninsured Driver’s Agreement
The onus is on the victim to make as many enquiries as possible to determine who the registered keeper is of the vehicle, etc. A claim may still be pursued if the vehicle is insured, but not the driver. Enquiries of the police and DVLA will be helpful in finding out the required information.
The police must be notified as soon as possible so that they are able to follow up any potential leads. If applicable, the insurers of all the relevant parties must alsobe notified. Insurers have access to the Motor Insurance Database which will confirm if the driver at fault is insured or not. To put in a claim, a form may be downloaded from the MIB website, or you can as a lawyer to do it for you (particularly if it is particularly complex).
How to make a claim under the Untraced Drivers’ Agreement
This will apply when the motorist has failed to stop after an accident, or cannot be identified. Again, the police must be notified straight away so that they can make their enquiries.
Applications under this agreement can only be considered if they are received within three years from the date of the accident for personal injury, or nine months in respect of property damage claims
When will the MIB not pay compensation in the event of a claim?
The MIB will not pay compensation when a victim has already been compensated from another source.Also, the MIB will not pay compensation when a victim is involved in an accident and their own vehicle is not insured – irrespective of whether it is fault or non-fault.
Motor Insurance Database (MID)
The Motor Insurance Database (MID) contains the insurance policy details of all insured UK vehicles. It is accessed by different people for different reasons. The police and DVLA access the database frequently. The police access this information to reduce the number of uninsured drivers on the road, and to track ‘hit and run’ drivers.
Which jurisdictions does the MIB cover?
The MIB extends to:
- England, Scotland and Wales
- Northern Ireland
- Isle of Man
If you suffer an accident abroad, you may still be able to make a claim if it occurs in a country participating in the Green Card Scheme. Take specialist advice.