How do I make a claim with the MIB?
The MIB is an insurer of last resort. This means that an application should not be brought to the MIB unless and until reasonable enquiries have been made to confirm that it is an uninsured driver or untraced driver claim. Premature claims to the MIB may result in the applicant being obliged to pay the costs involved.
Generally the owner of a vehicle is deemed to be the driver at any given time in the absence of contrary evidence. If it is not clear which agreement applies, the MIB recommend you apply under both the untraced and uninsured agreements and they will then advise which they believe applies.
The obligation on the MIB is to settle any judgment obtained against an uninsured driver and to settle valid untraced driver claims. It cannot defend a claim in the name of the driver, but can apply to the court to be joined as a party to any proceedings. To act on behalf of a driver, they require a signed mandate authorising them to do so.
If you wish to make a claim against the MIB, we suggest you speak us first to ensure you have a valid claim and have followed all the necessary steps.