What if the other driver is not insured or the vehicle is foreign registered?

Insurance is mandatory for all motor vehicles in Ireland. However for various reasons the other party may not have insurance. For that reason the Motor Insurers Bureau of Ireland (MIBI) was formed to deal with cases so that a person wishing to take a claim for personal injury could be compensated if the motorist at fault did not hold a valid policy of insurance at the time of the accident or the accident was caused by an unidentified vehicle.

When making a claim for personal injuries the claim may be brought against the MIBI by the Claimant. A claim against the MIBI will be taken in the same way as a claim against a person holding a valid insurance policy.

The MIBI also deals with claims from parties involved in accidents, in Ireland, caused by vehicles registered outside the State.  It is particularly important, where a vehicle registered outside the State is involved, to obtain as much information as possible relating to the offending vehicle including the registration number, the make and model of the vehicle, the country of origin, the name of the driver and insurance details.  Not surprisingly that the incident involved a vehicle registered outside the State delays may occur in the processing of such claims.