What does the MIB do during the claims process?

During the claims process the MIB will action the following;

• The MIB will try to trace the untraced driver and/or a relevant insurer to deal with the claim. The MIB may instruct tracing agents to do this.
• The MIB will check if you reported the accident to the police and will contact them for a copy of any report and the result of their investigations, even if the police have decided not to pursue it.
• The MIB will send a request for our full medical records. They will consider the medical history and look for any GP or hospital attendance after the accident.
• The MIB will arrange for you to be examined by an independent medical expert. The MIB will use their chosen medical agency and will refer all your medical records to the expert for review.
• If applicable, the MIB can also offer private treatment and may instruct a medical agency to co-ordinate any treatment needs you may have.
• The MIB will instruct an enquiry agent, to arrange a remote appointment to take a statement from you. The MIB can also ask the enquiry agent to take statements from any witnesses to the accident or relevant parties.
• The MIB will ask for vehicle damage evidence usually in the form of engineering evidence from you and/or your insurers.
• Even if you do not pursue a claim for vehicle damage through your insurer, the MIB will still confirm with them that you reported the accident. If your insurers are not involved in your vehicle damage claim, the MIB will expect you to provide vehicle damage evidence, therefore, we would recommend that you take photographs showing the damage to your vehicle and obtain estimates/invoices for the costs of repairing the damage.
• The MIB may consider requests for interim payments at their discretion. The MIB will only considered making an interim payment if they have completed their enquiries and have accepted that the untraced motorist was at fault for the accident.
• The MIB may obtain locus reports (accident reports) if needed and any further expert reports they deem necessary.

The above is a not an exhaustive list and the MIB will consider which actions are needed on a case-by-case basis.