Legal Claim UK is a network of no win no fee solicitors operating throughout the United Kingdom. Our lawyers are members of the Law Society panel of personal injury experts¹. Our Motor Insurers Bureau claim scheme is completely risk free and you will not be asked to pay anything as the case proceeds.
The MIB was established in 1946 as a
private company limited by guarantee and operates a fund contributed to by all of the
motor insurance companies the purpose of which is to pay compensation to the victims of
negligent untraced or uninsured drivers. The MIB's principle obligation is to pay
Motor Insurers Bureau claim settlements quickly and fairly within the terms of its Agreements and the law. The MIB
operates in the following legal jurisdictions:
- England and Wales
- Jersey
- Guernsey
- Gibraltar
- Isle of Man
- Northern Ireland
- Sark
- Scotland
- Alderney
Uninsured Drivers:
If a negligent uninsured driver is involved in a motor accident the MIB will settle the
victims claim in the normal manner and will pay damages for injury and personal losses and
in addition will pay the legal costs of the action. It is however necessary to issue legal
proceedings in every case and to obtain judgement against the other driver prior to the
MIB paying compensation. The MIB will thereafter attempt to recoup the damages paid out by
pursuing the uninsured driver, if necessary through the courts to obtain recompense. Motor Insurers Bureau claim settlements are complex issues and can fail at any point if the MIB’s rules are not followed to
the letter. It is very much to your advantage to be represented by an experienced
solicitor throughout your dealings with the MIB. The MIB will pay your solicitors costs
and our lawyers always pay any compensation that is awarded in full with no deductions
whatsoever. Furthermore you will not be expected to finance or fund the claim in any
respect as it progresses. Any claim for property damage is subject to a deduction of
£300 excess which will have to be recovered from the uninsured party directly. If
you recover your losses in full from the MIB your no claims bonus will not be affected.
In the case of an uninsured driver claim the normal limitation of action rules still
apply and in general terms proceedings must be issued within 3 years of the accident
occurring or the claim will become statute barred and the opportunity to claim damages
will have been lost forever. There are a few exceptions to the general rule including
minors and those suffering from mental disability and advice on these matters should
always be obtained from a qualified lawyer as soon as possible after an accident.
Untraced Drivers:
Hit and Run drivers are a serious problem and but for the Motor Insurers
Bureau claims fund it would be impossible to claim compensation for injury. In the case
of untraced drivers the MIB will pay damages for personal injury and associated losses
provided that the accident was reported to the police within 14 days but will not pay for
property damage unless the accident occurred after 14th February 2003 and the offending
vehicle has been identified although the driver is untraced in which case it must be
reported to the police within 5 days. Again there are complicated regulations governing
claims in untraced driver cases and it is important that a claimant be professionally
represented. In this case the MIB contributes only a small sum towards legal costs and
damages are paid after deduction of legal fees.
If you have been injured in an accident within the last three years that wasn’t your fault you should contact us. You will receive a complete professional service from lawyers who specialise in claiming compensation for personal injury caused as a result of an accident.
