Talk:Motor Insurers' Bureau

Candidate for speedy deletion? Spam? Bollocks. User:Addere seems to be going through the M part of the alphabet adding tags and cats. Worthwhile, but not here. Addere clearly has not read/understood the article. It isn't spam - MIB doesn't sell anything! No one can buy its services! It is an association of insurers established by law to provide a specific function to the insurance companies who are its members. Perhaps the phrase "company limited by guarantee" has confused him - it means 'not for profit' - and is a common legal formulation in the UK for ownership of non-profit clubs, societies and the like. Spam tag removed. Emeraude 18:23, 6 February 2007 (UTC)[reply]

Needs a re-work

I have removed the following addition to the article by User:AlexWilkes:

This means that insured drivers ultimately pay for the damage caused by uninsured drivers.
The MIB is seen as the only way for many victims of uninsured drivers to receive anything like adequate compensation for their damage suffered, as a system where the uninsured driver paid for the damage would be unworkable due to the vast majority of uninsured drivers having financial resources totally inadequate to satisfy claims.

This is not because I think it is entirely wrong, but because it is not entirely right and a little work would make it more accurate. For example, the MIB is definitely not 'the only way' to achieve compensation. If the uninsured driver is identified, he will be charged and can be ordered by the court to pay compensation. If not, he can be sued by the victim.

The MIB comes into its own when the driver who caused the damage is unidentified, and perhaps this needs to be mentioned as well. Emeraude 10:50, 2 June 2007 (UTC)[reply]

I doubt whether the uninsured driver is sued by his or her victim, as the vast majority of uninsured drivers simply don't have the money to pay for the damage they have caused. This is the purpose of the MIB. AlexWilkes 12.36, 2 June 2007 (UTC)

The MIB's Uninsured Drivers Agreement acutally only operates where there is an unsatisfied court judgement against the negligent motorist. So whilst it is certainly the case that many uninsured motorists do not have the means to settle such judgements, the MIB only acts as payer of last resort. —Preceding unsigned comment added by 81.158.142.54 (talk) 17:09, 27 January 2008 (UTC)[reply]

You may be right, but anyone who owns a home has the wherewithal to pay damages. There is no evidence that I am aware of that, as you say, the vast majority of uninsured drivers don't have the money to pay for damages. Perhaps you have some statistics on this. Emeraude 16:36, 2 June 2007 (UTC)[reply]

I do not know what you mean by "anyone who owns a home has the wherewithal to pay damages". AlexWilkes 19.53, 5 June 2007 (UTC)

He means that, if you own a home, you can be made bankrupt and homeless but, if you live in rented accommodation, you can't. Mock wurzel soup (talk) 12:54, 29 May 2018 (UTC)[reply]

Copyright Violation

I reverted some text which was copied from this page: http://www.mib.org.uk/MIB/en/Default.htm and is copyrighted by the Motor Insurers' Bureau, as per copyright violation policy. Please refrain from copying text from copyrighted websites unless you are the owner and are prepared to release it under the GFDL. It's always best to write material in your own words. Thanks. --tgheretford (talk) 20:16, 17 August 2008 (UTC)[reply]

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