Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Accident definition

What does Accident mean? In legal practice, an accident describes a sudden, unintended and unexpected event that causes personal injury, death or property damage. The term is descriptive and used across personal injury (negligence, employers’ liability, public liability), insurance and health and safety law; its precise scope depends on context and any applicable statute or policy wording. In road traffic cases, legislation imposes duties following an accident (for Great Britain, see Road Traffic Act 1988, s.170; Northern Ireland has equivalent provisions; Ireland’s Road Traffic Acts contain similar duties). In workplace health and safety, reporting regimes refer to accidents (for example, RIDDOR in Great Britain and...

MIB Uninsured Drivers' Agreement 2015 (Great Britain): procedure, liability, exclusions, passenger claims, and dispute resolution, with 2017 and 2022 updates

Published by a LexisNexis PI & Clinical Negligence expert

Practice notes

NOTE

This Practice Note concerns the MIB Uninsured Agreement 2015 and covers Accidents occurring on or after 1 August 2015. For the previous 1999 agreement (which applies to road traffic accidents between 1 October 1999 and 31 July 2015), see MIB Uninsured Agreement 1999.
For accidents taking place on or after 1 March 2017, claUses 7 (vehicle damage) and 9 (terrorism) are omitted from the MIB Uninsured Agreement 2015. These clauses were removed by the Supplementary MIB Agreement 2017, but they remain applicable to accidents that occurred on or after 1 August 2015 and before 1 March 2017.

When an uninsured driver causes an accident, they will frequently lack the resources to pay compensation themselves. As a result, the claimant seeks compensation from the Motor Insurers’ Bureau (MIB). Subject to certain conditions and exclusions, the MIB must satisfy any outstanding judgment, including costs, under the MIB Uninsured Agreement 2015. Given the nature of uninsured drivers, claims brought by their passengers often raise issues about seat belt use, drink or drugs, and whether there was a joint enterprise in the commission of a crime. (The clause in the 1999 Agreement...

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Samuel David

Anthony Gold Solicitors

Sam is a Partner at Anthony Gold, specialising in personal injury and clinical negligence matters. Throughout his career he has worked closely with Partner Jenny Kennedy on a wide variety of cases. Sam’s clients come to him with a wide range of injuries, from catastrophic personal injury to road traffic accident cases as well as birth injuries through to cauda equina syndrome matters. He has wide experience of dealing with foreign national claims helping people who have been injured whilst working or holidaying in the UK, as well as British nationals injured abroad.Making a difference at the start of a personal injury claim is very important to Sam and comprehensive rehabilitation for his clients is always at the forefront of his mind.He is known for his ability to provide compassionate, pragmatic, and realistic legal advice to his clients and/or their...

Web page updated on 21/05/2026

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