Motor Insurers’ Bureau (MIB) is there to help Malaysians when a car or motorcycle accident happens with an uninsured driver.
What do you do when you have an accident with an uninsured car?
Most of Malaysians know that if you are injured by a motor vehicle, you can make a Third Party Bodily Injury (TPBI) claim against the insurance company of that motor vehicle. But what happens if that motor vehicle has no insurance coverage? Who do you claim from?
This is where Motor Insurers’ Bureau of West Malaysia or MIB for short comes in.
MIB was formed on 15/01/1968 from an agreement made by the Minister of Transport of Malaysia, the general insurance companies of Malaysia and the Bureau itself. MIB’s purpose is to provide injured road accident victims (whether as a driver, passenger or pedestrian) with money in case the other motor vehicle has no insurance.
The Motor Insurers’ Bureau (MIB) will pay money for the injuries that you have gotten during the accident with an uninsured driver. MIB will not pay for any pre-existing injuries or any damages to your car. This is the sad part in Malaysia. If the other party is driving without insurance, you can only get the money for your damages by personally suing the driver.
There are several important steps to follow:
1. You can submit your claim directly to Motor Insurers’ Bureau (MIB) or appoint a lawyer to do so.
2. You must identify the motor vehicle that knocked you (e.g. WTG 1234). MIB no longer pays you for hit-and-run cases. This is when a vehicle knocks you, but you cannot record the vehicle number. Make sure you know what to do after an accident.Â
3. You must submit your claim within three years from the accident date.
4. If you appoint a lawyer and he proceeds to file a lawsuit, he must notify MIB within 30 days of filing the lawsuit and provides MIB with all the relevant documents.
5. MIB will only pay for your injuries (e.g. abrasions, bone fractures) with an uninsured driver. They will not pay for damage to your motor vehicle, clothing, shoes, watch, loss of earnings, medical bills, etc.
6. The amount of payout is subject to MIB’s discretion and is on a goodwill basis.
You need to prepare the following documents:
1. Cover letter describing your accident, your intent to claim and list of documents.
2. Your police report (must state the third party vehicle’s license plate number).
3. Third party vehicle driver’s police report (if available).
4. Your medical report.
Please make a spare set and submit the originals to:
Motor Insurers’ Bureau of West Malaysia*
Wisma PIAM
No. 150-3, 3rd Floor,
Jalan Tun Sambanthan, Brickfields,
50782 Kuala Lumpur
Phone: 03-22747395
*Even though it says West Malaysia, people from Sabah and Sarawak can send their claim to this address too.
When you receive a reply from MIB, they will request a RM100 fee for them to conduct their investigation on your accident. Since MIB may occasionally change its internal policy and the process may take a long time, we advise that you follow up with them every month.
Sadly MIB is not well known, but they exist and their service is available to the Malaysian public. If you are unsure of how to file a claim from MIB, do not hesitate to contact us for assistance.
Chew she uan
August 7, 2017 4:04 pmGood afternoon,
My customer ‘s friend, who stay in at a interior area of Sabah, was knocked down by an vehicle which she can’t read the plate number as it was happen at night time.
She suffered injury, ribs broken, ankle and wrist as well , need to do operation . The accident happen more than 1 month ago.
The poor lady has to travel far away from kampung to KK in order to get treatment in QEH. She need money to further or continue treatments.
How can we help her?
Selina
August 30, 2017 2:09 pmHi Chew.
Unfortunately the best bet that she has is MIB. Try giving them a call and find out the best way to proceed with this case. Please keep us informed of the outcome.
Mazlan Mahrudin
August 5, 2018 7:51 pmBerapakah amaun yang akan dibayar setelah tuntutan dibuat jika kecederaan nya adalah patah tangan kanan dan patah tulang pipi kiri
Selina
August 6, 2018 10:02 amHai En. Mazlan.
Kami tidak dapat jawab soalan tu. Tapi jika tuntutan dibuat terhadap MIB, itu terpulang kepada ehsan MIB.
penny oo
October 1, 2018 7:02 pmcan i know my family drive motorbike let other motorbike hit,but third party didn’t renew roadtax more than 6 years.how to do?
luke
October 2, 2018 12:33 amYou can take a lawyer and claim from the other party directly or submit a claim to MIB. You can read more here: https://ibanding.com.my/accident-with-uninsured-driver-motor-insurers-bureau-mib-can-help/
Noor azananee mohd
January 4, 2019 9:22 amMacamana saya nak tahu.. adakah saya layak claim atau tidak.. kepada siapa saya boleh hubungi…
Selina
January 22, 2019 12:58 pmNoor Azananee, boleh cuba menelefon pihak MIB seperti nombor yang diberikan. Berikan maklumat cik kepada mereka dan minta pendapat mereka.
Mohd fuad Azizan
January 6, 2019 10:29 amAnak saya tahun 1 kena langgar dengan motosikal ketika pulang ke sekolah ..motosikal tersebut tiada roadtax…. kalau mahu claim berapa lama tempoh untuk proses
luke
January 18, 2019 4:46 pm4-8 minggu
Zakwan
January 19, 2019 8:34 pmMohon bantuan
Kenderaan saya di langgar kenderaan dr Singapore yang sedang berlumba. Saya hanya dpt snap gambar kenderaan plat number, rupa dia dan passport dia.
Saya dah buat polis report dan polis kata susah kalau tak de alamat dia.
Diharap sesiapa dpt membantu.
Terima kasih
faridah said
January 21, 2019 7:24 pmSelamat sejahtera..anak lelaki saya berumur 19 th mengalami kemalangan jalanraya ,kereta yg dinaiki tebabas ,beliau sebagai penumpang di bahagian belakang ,beliau mengalami kecederaan teruk ,coma ,patah tulang selangka kanannya. Masalahnya kereta yg dinaiki tersebut tiada insuran penumpang. Adakah anak saya boleh mohon bantuan insuran mib .
Selina
January 22, 2019 1:10 pmPuan Faridah. MIB adalah kemudahan bantuan yang diberikan jika dilanggar oleh pemandu yang tidak memiliki insurans sah yang menyebabkan kecederaan pada diri.
anonymous
February 1, 2019 11:08 ammay i know the extention no with whom i can speak with MIB staff? because i call that no there is only operators respond
—> 03-22747395
luke
February 1, 2019 11:18 pmThe number is correct. We tried to see if there is an email address, but we could not find one. If you are in KL you can go by: https://goo.gl/maps/B7npMHJ4xAC2
Zulfadzli
February 16, 2019 4:29 pmHi my name is zul,
My niece got hit by motorcyclist when she want to across the road. She’s dead on the spot. The motorcyclist roadtax expired that time. Death accident can also claim or not?
luke
February 18, 2019 12:56 amDear Zul,
I am deeply sorry for your loss. This is very sad. It is difficult to say, because it really depends on who was the motorcyclist, what does the police report say and many more. You should consult with a lawyer to explore your options. But definitely submit your case to MIB.
Jack Joel Moriga
February 24, 2019 3:14 pmDear sir/madam,
I was a passenger when uninsured car spending and subsequently knocked the car: from behind which I’m travelling from behind. I suffered broken back bone @ transverse procesess-cavical no 7. Worse of all, I suffered Centeral Spinal cord injury from C5, 6 and 7 with neouromatic pain. Now I’m somewhat disabled.
My questions:
what is the range of amount that MIB could compensate to my suffering and disability? Can I file case against MIB and at the some time failling case against the driver in court?
Best regards
luke
February 26, 2019 1:46 pmSorry, we do not have experience of how much MIB will compensate. The payout is on “compassionate basis and is entirely up to the discretion of the MIB”. It is best to discuss with your lawyer, if you want to file with “MIB” and also go to court. You have three years time to file a claim with MIB.
Jenice
April 5, 2019 10:33 amDear ser /madam
My Friend was accident on Cheras hightway 31-03-19 now In hospital He was coma and broken leg by the time and the perpetrator was escape therefore don’t not know the car number . The question is How He Can claim INSURANCE
luke
April 8, 2019 3:12 amIf your friend has comprehensive car insurance, then his/her own insurance company will pay for the damages the car. You report the claim with the police report.
Hamali Roslan
July 25, 2019 1:51 amSaya cube call MIB line sentiasa busy, ada cara lain untuk sy hubungi
Rae
July 26, 2019 9:47 pmAnda boleh melantik peguam untuk membantu anda dengan dokumen serta membuat tuntutan untuk anda. Peguam juga boleh memberitahu anda sekiranya anda berjaya atau tidak.
Anda juga boleh melawati MIB di Kuala Lumpur sekiranya anda tidak ingin bantuan peguam. Alamat MIB adalah Wisma Piam, No. 150-3, 3rd Floor, Jalan Tun Sambanthan, Brickfields, 50782, Kuala Lumpur, Wilayah Persekutuan.
Badri
September 27, 2019 7:34 pmSelamat sejahtera,
Saya mohon pencerahan dimana, kereta saya di dalam keadaan berparking (tidak bergerak) tetapi telah 3 bulan tamat insurance & roadtax – telah dilanggar lari oleh sebuah kereta. Saya sempat mengambil gambar dan no. plate kereta tersebut dan telah membuat report polis. Bolehkah saya claim dari insurance pelanggar? saya dapat tahu dari sesetengah pendapat yang saya tidak boleh claim, dan ada sestengah lagi yang berkata boleh. terima kasih.
Rae
October 9, 2019 5:53 amYa, anda boleh membuat tuntutan tersebut tetapi semenjak anda tidak mempunyai insurans, anda tidak mempunyai pihak yang boleh membuat tuntutan tersebut. Anda boleh menggunakan claims advisor untuk membantu anda, selalunya bayaran tersebut adalah 10% dari tuntutan tersebut. Anda boleh dapatkan bantuan tersebut dari http://www.kamibantu.org dan penasihat claims akan menghubungi anda.
Amir
October 1, 2019 12:39 pmDear Admin,
My father was involved in a motor accident with a minor without a valid licence and insurance. We hire a lawyer to help us settled all the necessary documentations with MIB. Do you know how long will it takes for MIB to get back to us? because according to the lawyer, MIB still did not give any respond even after a month. And how long will the process take overall? Thank you 🙂
Rae
October 9, 2019 5:55 amWe are sorry to hear that your father was in an accident. It can take a long time. You should follow up to get confirmation that your case has been received. A result will take months to get.