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The MIB, the MIIC and the MID
[18.04.12] |
 The Motor Insurers' Bureau (www.mib.org.uk) was established in 1946 so that anyone who was the victim of an uninsured driver would be able to get compensation for any harm caused to them. In the year 2000, the Motor Insurers Information Centre (MIIC) was opened to oversee the development of the Motor Insurance Database (MID) on behalf of the MIB.
The MID was intended to aid in the reduction of uninsured drivers by establishing a database of all insurance details. This database is available to police officers who can carry out spot checks on motorists to see if they have car insurance. In addition the database holds the information of fleet vehicles and their insurance. Making sure that insurance details are correctly held on the MID is the responsibility of the car driver. The MIIC is responsible for ensuring that this process runs smoothly.
The MIIC is an off-shoot of the MIB, who have a more far reaching set of responsibilities. All insurers are obliged to be a member of the MIB and to contribute to its funding. This funding ensures that those drivers who are involved in an accident with an uninsured driver can get the correct compensation.
As long as insurance or compensation cannot be claimed from another source and the accident was not the fault of the applicant, a claim for compensation can be made to the MIB. Compensation can only be paid if the accident or injury occurred on a public road or in a public place. Compensation will be given for injuries or damage to property arising from the actions of an uninsured driver or a driver who cannot be traced. Compensation can also be investigated if the driver holds a foreign licence under the UK Green Card Bureau.
Anyone wanting to make a claim from the MIB can do so by filling in one of their online claim forms. Alternatively, the claim form can be submitted by a third party, lawyer or representative appointed by the claimant. The Citizens Advice Bureau are also able to offer advice on how to submit a claim form.
It is extremely important to have as many details regarding the accident as possible before starting the claim process. This includes the insurance details of the claimant, the details of the other driver, if possible. In addition good records of all documents received and communication between all parties should be kept and given in with any claim.
It is usually expected that the claimants will have taken down the following types of details and used them to strengthen their claim:
- The details of all the cars involved
- The name address and telephone number of the other driver and anyone else involved
- A diagram showing where the accident occurred and the car positions
- The details of any witnesses
- The details of the weather and road conditions, plus the exact time of day
- Photographs of the accident scene
- Any records from a doctor or hospital visit - if applicable
The types of losses which can be claimed from the MIB are those associated with a loss of income, damage to a property or vehicle, medical expense, future assistance, pain and suffering, prescriptions, any insurance excess and the loss of future income due to changes in employability.
While the police can use the MID to find out if a driver is uninsured, this does not prevent accidents from happening which involve drivers who have failed to insure their cars. In the event that this happens, the MIB is able to step in and take the financial burden away from the victim. Of course, all insured driver do pay extra for this as part of their premiums.
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