Motor Insurers Bureau

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Motor Insurers Bureau (MIB)

a voluntary organization set up by insurance companies to avoid government interference that makes sure that those injured on the roads by uninsured drivers are compensated. It is now the agency through which most of the UK's European Union road traffic insurance obligations are channelled. It operates under an agreement with the Secretary of State for the Environment to meet any unsatisfied judgments in respect of a liability against which it was obligatory to insure. There are three types of case:
  1. (1) identified uninsured drivers;
  2. (2) the identified driver with a policy of insurance in force but under which the insurer is not liable, perhaps because of fraud or because of breach of a term of the policy. In this case the agreement between the MIB and its members is called the domestic agreement; the insurer deals with the claim as if valid, allowing the injured person to recover damages. The domestic agreement even covers some cases where the insured was not liable at all because the policy did not cover the risk that materialized;
  3. (3) the untraced driver, a type of case covered only since 1968.

It is now quite accessible to the public who are able to make many type of claims themselves. If legal assistance is required, a scheme is in place to provide special cover on terms. See also MIBLES.

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If the neighbour doesn't wish to claim on her insurance she could always submit a claim to the Motor Insurers' Bureau, which will accept claims for damage to property where the vehicle is known and the incident was reported to the police within five days.
5 Form of citation by advertisement IN THE COURT OF SESSION in the cause ROISIN KIELY, 37 Beltree Road, Pollock, Glasgow G53 5TD Pursuer against (FIRST) JAMES CARRICK, whose present whereabouts are to the pursuer unknown and (SECOND) MOTOR INSURERS' BUREAU, Linford Wood, Milton Keynes, MKI4 6XT Defenders An action has been brought in the Court of Session, Edinburgh, Scotland, by ROISIN KIELY pursuer, ROISIN KIELY calls as a defender JAMES CARRICK whose last known address was 47 Bankhead Avenue, Knightswood, Glasgow, GI3 3TP.
But 60,000 warnings a month are sent out by the Motor Insurers' Bureau, who run the database, telling people they face a fixed penalty or prosecution if they don't insure their vehicle or declare it off the road.
Armenia, Union of Credit Organizations of the Republic of Armenia, Financial Ombudsman of Armenia, Motor Insurers' Bureau,
The milestone has been revealed by the Motor Insurers' Bureau (MIB) which has re-launched its uninsured driver campaign in Birmingham.