Please read the full text below before completing the claim notification form.
General:
MIBI compensates victims who have been involved in an accident caused by uninsured or unidentified vehicles. If you wish to notify us of a claim online, click here. Should you wish to download and print the claim notification form please click here. The Claim Notification Form should be fully completed and returned to us either by email or registered post. Any relevant documentation relating to the incident or the alleged offending vehicle should be retained. The time taken to process your claim is likely to be reduced if we have more information available. Time-limits for notification of personal injury and property damage claims under the MIBI Agreement 2009 are in line with Irish statutory provisions.
PLEASE SUBMIT THE CLAIM NOTIFICATION FORM AS SOON AS POSSIBLE AFTER THE ACCIDENT TO ENABLE MIBI TO COMMENCE INVESTIGATIONS.
Personal Injury Claims:
The MIBI compensation scheme covers personal injury claims irrespective of whether the offending vehicle is identified or not. Compensation for personal injury may be payable, subject to liability, in all cases where the offending vehicle is uninsured or cannot be identified.
Vehicle/Property Damage Claims:
It is not always possible to claim compensation for vehicle or property damage under the MIBI compensation scheme. Where the offending vehicle is not identified there is no provision in the 1988 or the 2004 MIBI Agreements to recover losses for vehicle or property damage. The 2009 MIBI Agreement (Clause 7) introduced compensation for vehicle or property damage against an unidentified vehicle where there are significant personal injuries arising from the same accident. In certain circumstances an excess may apply to vehicle/property damage claims.
No Claims Discount Protocol
Where the damaged vehicle is comprehensively insured or where the damaged property is covered under a policy of insurance, the MIBI Agreement stipulates that the claim must be dealt with by the insurer of the vehicle or property.
A No Claims Discount Protocol operates between MIBI and the insurers which guarantees protection of the No Claims Bonus where the comprehensive insurer compensates the policyholder on behalf of MIBI. This Protocol ensures a speedy resolution of the claim and avoids delay in having the vehicle repaired.
What happens next?
On receipt of a fully completed MIBI Claim Notification Form we will acknowledge receipt and commence our investigations.
Our investigations will include:
- Establishing the facts
- Establishing the insurance position of the alleged offending vehicle and/or driver
- Obtaining a Garda Report on the accident
- If applicable, obtaining a Motor Assessor’s Report on the damage to your vehicle
- If applicable, obtaining copies of your medical records from your doctor and any hospital attended following the accident.
When all requisite information is provided and verification of the circumstances of the accident is complete MIBI will pass the claim to one of our Claims Management Service Providers to continue and complete the investigation. They will also accept Injuries Board notification or service of proceedings. In due course, following thorough investigation of the circumstances and liability, the claim will be settled by our Claims Management Service Provider and compensation paid as appropriate.
