The Motor Insurers’ Bureau (“MIB”) was determined in 1946 as an organization to attend to thoroughfare mishap reward claims by trusting victims who have suffered personal damage or damage to their skill since a inattentive uninsured or untraced driver.
Every insurance firm underwriting mandatory thoroughfare mishap claim engine insurance is thankful to be a associate of the MIB and to minister to its funding. One out of every 20 drivers is uninsured!
The MIB contingency pay reward where the inattentive motorist is found to be accountable for personal damage or damage to skill outset from a thoroughfare accident. The MIB stands in place of the guilty party’s insurers and investigates problems of guilt and gratefulness in the same way as in any other thoroughfare mishap reward claim.
The MIB’s manners and timescales contingency be particularly adhered to; instead the thoroughfare mishap claim may be mislaid simply on a technicality. Therefore many people pick to indoctrinate gifted claims solicitors to make their thoroughfare mishap claim.
Where the guilty celebration is well known but is uninsured, the MIB will pay authorised expenses together with thoroughfare mishap reward in a successful claim. Therefore, these claims may be rubbed by solicitors on a “No Win No Fee” claims basis. Specific problems to bear in thoughts include:-
- claims contingency often be done inside of 3 years of the accident;
- a 300 surplus relates to any claims for damage to property, and that is deducted from the complete amount claimed;
- if you have thorough engine insurance you cannot claim for damage to your van and contingency instead liaise with your own insurers.
If the guilty celebration is not well known (eg in a strike and run) a claim can still be made, but the routine is sufficient more stringent. In particular, the MIB will only pay really paltry authorised expenses and it is thus not often probable for a barrister to work on a “No Win No Fee” claims basis. However, if the injuries are serious it is still appropriate to look for authorised recommendation to make sure the appropriate turn of thoroughfare mishap reward is achieved. Specific problems to ponder in these mishap claims include:-
- the matter contingency often be reported to the Police inside of 14 days of the accident;
- a claim for thoroughfare mishap reward contingency often be done inside of 3 years of the accident, but if the claim is for damage to skill only this time is marked down to 9 months;
- a 300 surplus relates to any claims for damage to property, and if you have thorough engine insurance you cannot claim for any damage to your vehicle;
- if the van that caused the mishap cannot be identified no claim for shop-worn skill may be made, but a claim for personal damage reward may be pursued.
Therefore, if you have drift to make a thoroughfare mishap claim but have not pursued the matter because the guilty celebration is possibly uninsured or unidentified, you may still have the capability to claim thoroughfare mishap compensation.
