[martingg]

Has anyone used the MIB to get their excess back after a unidentified car or driver incident. I had a car hit me in the rear and left the scene after threating me not giving any details. It turned out he was running on false plates. This went through my insurance company but cost me my excess. In a conversation to a work college it was suggested I place a claim with the MIB whose purpose is to compensate victims of uninsured/unidentified drives. I did this but my claim was rejected due to not being able to identify the car or driver (its in their rules). How can they say they help victims of incidences of this sort if their rules say otherwise. If I knew the driver or the actual registration of the car I would have add this to the report I made to the police so they could take action. I could even make a small claim in the courts. So what is the point of the MIB that we pay indirectly towards via our insurance premiums. So what is the point of the MIB

[Santa]

It's unrealistic to expect MIB or the police to find the other driver when you have no information for them to go on.

Some car insurance will cover such damage without loss, but I assume that makes it more expensive. My policy (from Saga) says:

If an uninsured driver hits your vehicle, we'll refund your excess and won't reduce your NCD

[Rolebama]

My daughter and son-in-law were knocked off their motorcycle by a spare wheel when they were travelling at 70mph on the A1(M). My daughter suffered what were defined as 'life-changing injuries'. My daughter spent weeks in various hospitals undergoing surgery for her injuries, and plastic surgery. MIB were contacted and over a period of months, paid out for private hospitals and replacement of clothing and helmets, as well as repairs to the bike and total payments re loss of earnings. They made lots of promises as to the amount of compensation they would both receive. At the time they closed the case, no compensation had been paid, and never will be*. However, they amounts they did receive for items already mentioned, was in tens of thousands of £s. All-in-all Ididn't think they were that bad.
*My daughter was told that should the driver of the car that lost the spare wheel ever be discovered they would assist in recovering compensation from the driver.

[Marc]

Sorry to hear this @Rolebama
The broken promises must have just added to what was already a very difficult situation.
Terrible, really.

[markhorneyuk]

Yeah. Its a pointless company that doesn't like to pay out. They try to find little flaws as best as they can to avoid payments despite the evidence you have. This is why people are now buying comprehesive because the claim from mib is probably like 1/5 chance of success. It's so bad with this company that others have taken their claim further to small claims when they've had their appeal rejected.

I don't see the point of this company. I think it should be disbanded so we can pay cheaper insurance premiums.

[Nick]

Hi @markhorneyuk - welcome to the RAC Community and thanks for making your first post, it's great to hear from you.

I have to disagree with your statement about the MIB being pointless however - they've helped countless people over their history who have been unable to make a claim against another driver through their own insurance company due to them being untraced or uninsured - and for no cost.

It's also a legal requirement for an insurance company to be a member of the MIB under the Road Traffic Act with costs in 2024 exceeding £400 million supporting people affected by uninsured and hit-and-run drivers.

There is some interesting information and numbers on this page about the impact the Motor Insurance Bureau has each year - worth checking out.

[markhorneyuk]

😂😂😂🤣🤣

Help drivers, yeah right. You should take the time to look at their reviews on how they "helped" drivers.

Not much confidence. As I said. I stand by what I said. They should do away with their pointless not for profit scheme. Chances are they'll shaft anyone to save a bit cash.

Originally Posted by Nick

Hi @markhorneyuk - welcome to the RAC Community and thanks for making your first post, it's great to hear from you.

I have to disagree with your statement about the MIB being pointless however - they've helped countless people over their history who have been unable to make a claim against another driver through their own insurance company due to them being untraced or uninsured - and for no cost.

It's also a legal requirement for an insurance company to be a member of the MIB under the Road Traffic Act with costs in 2024 exceeding £400 million supporting people affected by uninsured and hit-and-run drivers.

There is some interesting information and numbers on this page about the impact the Motor Insurance Bureau has each year - worth checking out.

[TC1474]

Originally Posted by markhorneyuk

Yeah. Its a pointless company that doesn't like to pay out. They try to find little flaws as best as they can to avoid payments despite the evidence you have. This is why people are now buying comprehesive because the claim from mib is probably like 1/5 chance of success. It's so bad with this company that others have taken their claim further to small claims when they've had their appeal rejected.

I don't see the point of this company. I think it should be disbanded so we can pay cheaper insurance premiums.

I think you need to research the MiB a little more before you make comments such as yours.

Firstly, the MiB was established to represent people who have been the victims of uninsured or non traced drivers such as in non stop crashes.

We all pay into the pot through our premiums and everyone who is involved in a non insured or non stop crash is entitled to use the MiB to make a claim, even if its a damage only crash, just bear in mind that there is a £350 excess on the first part of any damage only claim, but this does not apply to any injury claim.

In effect, the MiB becomes the defendant insurers, and so they will protect the claim like any other defendant insurer as they also have a duty to protect the funds under their control, hence the reason why they are given an automatic 3 months to carry out their own investigation before any statement on liability is admitted or denied.

They are as entitled as well as required to look for and exploit any potential contributory negligence on the part of the claimant (For example not wearing a seat belt which directly caused an injury to be more serious than it might have been), was there any incriminating evidence, and were all the protocols complied with?

Remember, this is not just your money, but all of us that fund the MiB hence it is not a "Company as you state, it is an Insurance/Government backed and approved body to look after those people who have been affected by the @ssholes who choose not to stop or drive without insurance.

An average injury claim will take a minimum of 18 months to settle for a minor injury. If it settles in less time then your case and injuries have been undervalued, and MiB cases are no different

The MiB if they admit liability will make part 36 offers just as any defendant insurer will and I have lost count of the number of people who have been helped by the fact that they were able to make an MiB claim (I have even made an MiB claim myself, and I was working in personal injury at the time).

Your comments are unfounded and very inaccurate, clearly you have not had to use them and I hope you never have to, but should the day ever come where you need them to take over the claim from an uninsured or fail to stop scumbag, you might be thankful.

I could go into a lot more detail but it would bore the pants off you (if I haven't already done that) but I will also point out, I do not work for or have any connection to the MiB.

[markhorneyuk]

Oh really. Unfounded. I've had to deal these people and I got rejected despite the video evidence and reading reviews from others. It's quite understandable they will do or say anything to save money. They deserve to be liquidated.