The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Third Party Claims - The Motor Insurers Bureau
If you have a right of claim against another party but they are uninsured, or untraced, you might be able to make a claim on the M.I.B.
I would strongly suggest you contact a solicitor for help! The Motor Insurers Bureau has been set up to safeguard the interests of the victims of uninsured and untraced motorists. The Motor Insurers Bureau consists of all insurers who are authorised to underwrite motor business in the UK and Northern Ireland and under the terms of the Road Traffic Act(s) all such insurers are required to be members.
The Motor Insurers Bureau also administers the Green Card scheme.
"A pedestrian hit me and went under my car."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
The Motor Insurers Bureau has a small permanent secretariat which deals with the initial approaches from claimant's or their advisors. The day-to-day handling and investigation of claims is done by the insurers forming the Council of the Bureau.
The Motor Insurers Bureau is paid for by levies on all motor insurers, the amount of an individual insurer's levy being determined by the motor premium income for the previous financial year. The number of cases allocated to an individual insurer is in proportion to their premium income for the previous year.
This is seen as a very socially desirable objective of the Motor Insurers Bureau.
The market's involvement in this area is considered by others outside the insurance world to be the motor insurer's best piece of public relations.
The Motor Insurers Bureau undertaking and obligations are contained in Agreements with the Government. One agreement relates to the victims of uninsured motorists and the remaining two are concerned with the victims of alleged untraced motorists.
Victims of uninsured drivers can claim for personal injury and damage to their property (subject to an excess of £300 on property claims).
Victims of untraced drivers can only claim for personal injury.
