The Motor Insurers' Bureau Road Accidents concerning Untraced or Uninsured drivers If you've been hurt or your property has sustained damage by an uninsured or untraced driver, you might still be in a position to make a claim for compensation via the Motor Insurers' Bureau or MIB.
The Motor Insurers' Bureau will expect you to have recently attempted to track the driver / insurer concerned by reporting the accident to the police, to your own insurance company and making enquiries with the registered owner of the vehicle. Precise conditions apply to claims made through the Motor Insurers' Bureau like 1.if the driver of the offending vehicle is untraced, you need to at least be well placed to identify the car to make a claim for property damage. 2.an excess of £300 will be subtracted from claims made under the untraced driver scheme for property damage after Oct 1st 1999 ( the surplus amount was £175 before this date ).
3.the Motor Insurers' Bureau will only handle claims registered with them inside nine months of the accident. They can also expect the accident to once have been reported to the police inside five days of the accident. An affiliate of the general public wanting to enter a claim with the Motor Insurers' Bureau can either do so without delay themselves or designate a Barrister to work for them.
The Motor Insurers' Bureau ( MIB ) was founded in England in 1946 as a personal company restrained by guarantee and is the mechanism in the United Kingdom thru which compensation is located for claims against uninsured drivers, and hit and run situations. Uninsured drivers cost the average motorist about £30 a year. Role and history Its role was and is to enter into agreements with the govt. as to how compensation claims from folk who've been involved in accidents which were due to uninsured or untraced drivers could be compensated. The Road Traffic Act 1988, needs every insurer handling mandatory motor insurance to be part of to the MIB and to make a contribution to its funding.
According to the MIB's site's FAQ section, the price of paying for the MIB is finally borne by law abiding motorists who pay their insurance premiums. The offices are near the junction of the A422 ( Friars Way ) and B4034 ( Marlborough Street ) in Linford Wood, Milton Keynes. MIB Schemes The MIB run three sorts of schemes that help the sufferers of culpable drivers named "The uninsured drivers scheme", "The untraced driver's scheme " and "The green card scheme". The Uninsured Drivers Scheme this project deals with compensation claims forthcoming from accidents caused or made a contribution to by an uninsured driver. Where it is shown that no policy of insurance exists covering the responsible party's automobile, the MIB will consider coping with a claim for compensation from the victim. Culpability still must be considered but as the culpable ( and uninsured ) party has been officially identified, the MIB recognize the trusting victim has rights of full legal redress once fault has been proved.
This presupposes that the MIBs own claims factors are met. Claims will be given consideration for the price of fixing / replacing your auto ( comprehensively insured customers precluded ), hire charges, loss of use and property damage. An injured individual can also claim for treatment and / or rehab for agony and suffering. Legal costs are paid in full by the MIB once the claim has been proved. The Untraced Drivers Agreement ( Hit and Run ) Scheme this project is applicable to the sufferers of hit and run driver accidents. Where the driver known to be answerable for an accident, leaves the scene and isn't traced, the MIB will consider a claim for compensation in respect of both property and injury damages. There are a considerable number of limitations imposed with this project not least the undeniable fact that you can't recover your legal charges completely. The MIB will only pay a fixed charge of £500 + vat as a contribution towards a victims legal charge. The Green Card Scheme this project involves accidents due to the culpable driving of foreign motorists. The MIB will under certain circumstances agree to step in and cope with claims from trusting victims of such accidents, instead of force the wounded victim to find compensation from a possibly unsociable foreign insurer. The idea of this suggestion was introduced to England as a consequence of Western european Union ( ECU ) legislation.