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Motor Insurers Bureau Car Accident Claims
There are five safety nets for injured victims after road traffic accidents as follows;
  • Compulsory insurance
  • The Road Traffic Act S151-152
  • The Uninsured Drivers Agreement with the Motor Insurers Bureau (MIB)
  • The Untraced Drivers Agreement with the MIB
  • The CICA.

All drivers are required, by law, to have insurance against liability for personal injury caused to others. Under the act, the policy must cover any liability which may be incurred in respect of the death of, or bodily injury to any person which occurs on a road in Great Britain. This section also covers damage to property.

If you have been involved in an accident involving a motor vehicle, whether you were a cyclist, pedestrian, driver or passenger and it was not your fault, then you may be entitled to compensation.

However, there may be occasions when there is either no insurance at all or the insurers can avoid the policy or refuse indemnity, due to a breach of a condition.

There will also be some occasions where the driver is untraceable, for example in a hit and run incident or where false details were given at the scene of the accident.

The Motor Insurers Bureau was set up following an agreement in 1946 with the Ministry of Transport. The MIB undertook to compensate victims of uninsured drivers. In 1969 the MIB agreed to compensate the victims of untraced drivers.

The funds available to the Motor Insurers Bureau are provided by the insurance companies themselves. The agreements lay down various procedural requirements which must be followed in order to proceed with a claim.

Whilst it is possible to pursue a claim through the Motor Insurers Bureau Agreements, the rules under the agreements must be adhered to and they can be very complex. As specialist lawyers, we are able to assist you in pursuing a claim through the Motor Insurers Bureau.

Please see our pages on:-
Car Accidents involving Untraced Drivers such as where the driver left the scene of the accident without giving details or gave false details.