1. WHAT HAPPENS IF I AM INJURED BY A MOTOR VEHICLE THAT DOES NOT HAVE INSURANCE?
2. WHAT HAPPENS IF I AM KNOCKED OVER AND LEFT IN THE ROAD BY A VEHICLE THAT MAKES OFF FROM THE SCENE?
3. WHAT HAPPENS IF I AM DRIVING A CAR AND I HIT DEBRIS IN THE ROAD THAT CASUES MY CAR TO LEAVE THE ROAD AND CRASH OR COLLIDE WITH ANOTHER VEHICLE CAUSING ME INJURY?
4. WHAT HAPPENS IF I SUSTAIN PERSONAL INJURY BY A VEHICLE THAT DOES NOT HAVE INSURANCE ON PRIVATE LAND?
5. WHAT HAPPENS IF I GET IN TO A CAR THAT CRASHES, DOESN’T HAVE INSURANCE AND IS SUBSQUENTLY FOUND TO BE INVOLVED IN CRIMINAL ACTIVITY?
6. IN RESPECT TO 1-5 ABOVE, AM I ENTITLED TO PURSUE A CLAIM FOR COMPENSATION?
It is fair to say that the majority of the population outside of the legal profession have no knowledge whatsoever of the Motor Insurers Bureau (MIB). In this context there are no advertisements on the television, no newspaper articles, no political statements in the House of Commons to highlight how important the Bureau is. It is important for a number of different reasons;
It affords members of the public the opportunity to claim compensation and to obtain justice when they have been injured in scenarios that are not their fault.
Aside from securing compensation, the MIB will fund rehabilitation treatment, so for example, if you are hit by an uninsured motorist and break your hip and you require a hip replacement the MIB, subject to a satisfactory medical report will fund the surgery at no cost to you. They will thereafter fund Physiotherapy. If you suffer Post Traumatic Stress Disorder (PTSD) they will fund a course of cognitive behavioural therapy (CBT) to assist you with your recovery.
As such it is important not to give up hope, for example if you are hit by a stolen motor vehicle or a vehicle where the driver has failed to renew his/her insurance. The MIB website contains a treasure trove of information to assist you with your options and whilst the scheme appears complex, it is relatively straight forward and involves the completion of an application form. (http://www.mib.org.uk)
In the alternative, we suggest you obtain legal advice as you will require assistance in accurately assessing the amount of damages (quantum) you are entitled too once medical evidence is in place. The MIB will pay a contribution towards your legal costs. We have been conducting claims involving the MOB for the last 15 years. We are happy to provide a claims assessment for you and please contact us for further information.