Claiming from the Motor Insurers Bureau

19.07.2013

What do you do if you have an accident and the person responsible turns out to have had no insurance or drives off without stopping?

The Motor Insurers Bureau (“MIB”) compensates innocent parties in these circumstances. They are funded by the insurance industry and regulated by the Uninsured and Untraced Drivers Agreements with the Department for Transport.

The Agreements cover the following; 

Uninsured

Property/vehicle damage

Personal injury and consequent losses

Untraced

Property/vehicle damage if the registration of the other vehicle is known and checks out with DVLA

Personal injury and consequent losses

The MIB don’t pay subrogated and contractual claims so your insurer won’t be able to reclaim repair costs it paid. Unfortunately, if you’ve paid sick pay to an employee for injury related absence, you can’t reclaim it because it’s a contractual payment. MIB also consider claims where the accident has been caused by something on the road which must have come from a vehicle, such as a diesel spill.

The Department for Transport is currently in the process of updating the Agreements. We hope that this will straighten out a number of complex clauses in the current Agreements. In the meantime, Irwin Mitchell can help you with these claims.

For further information contact Julia Evison in the Motor Team on 0370 1500 100 or submit an enquiry to our website.