Insurance Basics

Accident with Uninsured Driver?

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. 

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.

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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.

View Comments

  • Good 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?

  • Hi 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.

  • Berapakah amaun yang akan dibayar setelah tuntutan dibuat jika kecederaan nya adalah patah tangan kanan dan patah tulang pipi kiri

    • Hai En. Mazlan.

      Kami tidak dapat jawab soalan tu. Tapi jika tuntutan dibuat terhadap MIB, itu terpulang kepada ehsan MIB.

  • can i know my family drive motorbike let other motorbike hit,but third party didn't renew roadtax more than 6 years.how to do?

  • Macamana saya nak tahu.. adakah saya layak claim atau tidak.. kepada siapa saya boleh hubungi...

    • Noor Azananee, boleh cuba menelefon pihak MIB seperti nombor yang diberikan. Berikan maklumat cik kepada mereka dan minta pendapat mereka.

  • Anak saya tahun 1 kena langgar dengan motosikal ketika pulang ke sekolah ..motosikal tersebut tiada roadtax.... kalau mahu claim berapa lama tempoh untuk proses

  • Mohon 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

  • Selamat 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 .

    • Puan Faridah. MIB adalah kemudahan bantuan yang diberikan jika dilanggar oleh pemandu yang tidak memiliki insurans sah yang menyebabkan kecederaan pada diri.

  • may 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

  • Hi 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?

    • Dear 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.

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