If the driver responsible for an accident didn't give you their insurance details at the scene, it may be possible for your insurer or the police to trace their details once you have reported the accident. If a driver is found not to have insurance, then your claim could be made to the Motor Insurers' Bureau (MIB).
Below is the standard process for a claim made to the MIB.
Stage One: Application
First of all, contact us. We'll provide you with free, straightforward advice, in plain English, on whether we think you'll be able to claim compensation.
If we think you’ll be able to claim, we'll help you with your application to the MIB. We'll help you complete your claim forms, advise you on any enquiries they may raise, and provide an independent valuation of your claim after seeking a medical opinion on your injuries.
We will make our own investigation into your claim, which will involve a medical examination by a specialist to determine the severity of your injuries, and any medical support you will need now and in the future.
We will also investigate the accident itself, using our road traffic accident investigation team if needed to interview witnesses, and get hold of police reports and GP notes.
The MIB will also independently investigate your claim, which will involve many of the same steps as our own. They’ll also organise for you to have a medical examination.
The reason we carry out our own investigation alongside the MIB is to ensure we reach the same conclusion on how much compensation you are owed. If the amount the MIB decide upon is lower, we can appeal their decision.
Stage Two: Rehabilitation
We believe rehabilitation is as important as compensation following an accident, so from the very beginning of your claim we’ll discuss what medical care and support you’ll need to recover from your injuries.
If necessary in your case, we'll work to make sure you can access the care you and your family needs to regain your health and independence as soon as possible following your accident.
For more information on how we can help you gain access to rehabilitation support, please visit our Rehabilitation page.
Stage Three: Compensation
The amount of compensation you receive will be determined by the MIB, which assesses damages in the same way as insurance companies or the courts. The amount you receive will depend on:
- The severity of your injuries
- Any medical care and support you require
- Lost earnings as a result of your injuries
However, the MIB won’t pay for any loss that is insured elsewhere – for example, for repairs to your car if it was comprehensively insured, or the costs of private medical treatment if you have health insurance.
If the claim is rejected, or if the compensation amount awarded is too low, it's possible to appeal against the MIB's decision. We can advise you on the chances of an appeal succeeding, and have extensive experience of drafting appeals against the MIB's decisions. We have a high success rate in the appeals we run.
Stage Four: Conclusion
At the end of the claims and appeals process, you'll receive compensation from the MIB if you've been successful. If you're claiming under a No Win No Fee* agreement, then you won't pay anything if the claim is rejected.