At AYB Law, we fully support the Motor Insurers’ Bureau (MIB) in its ongoing work to compensate victims of uninsured, negligent drivers.
Recently they’ve issued a warning that we would like to highlight for all of our valuable clients. MIB have been made aware of a cold call scam in which scammers attempt to take advantage of vulnerable people by misleading them into thinking they are being contacted by MIB.
What is Cold Calling?
The term ‘cold calling’ essentially refers to an unsolicited visit or phone call, and is often a tactic used by scammers to try and receive personal information from vulnerable people.
You’re likely to have experienced cold calls that, for example, ask you if you have been mis-sold Payment Protection Insurance (PPI) or telling you that you’re eligible to receive a boiler or similar items for free.
While some cold calls are made by legitimate businesses, others are not. It’s important to be aware of what to look out for, in the event that you receive a cold call, to prevent yourself from being scammed.
Details of the Scam
The MIB scam attempts to manipulate victims of road traffic accidents into giving out personal information in misleading circumstances.
MIB have been informed that scammers are cold calling people pretending to be calling on behalf of the Motor Insurance Bureau. They may say they have received their contact information from the Motor Insurance Database.
The person who has called you may do any of the following:
- Say they have been instructed to call you by MIB in relation to your compensation or accident claim/s
- Mislead you into giving information relating to any motor accidents you ‘ve been involved in
- Encourage you to falsify information in order to make a claim from MIB
- Try to trick you into giving them personal information or bank details because your ‘compensation’ has been granted – they may try to pressure you by saying you will not be awarded compensation if you don’t provide these details
Circumstances Where MIB Will Call You
Of course, MIB will occasionally have to contact people in regards to their application for compensation. These details will help you distinguish whether or not you are receiving a genuine call from MIB.
- Individuals or their legal representatives who have submitted a compensation claim
- Named defendants/third parties involved in a claim for compensation
- The registered keeper/driver of a vehicle that may not be insured according to the Motor Insurance Database (MID)
MIB does not:
- Call members of the public about submitting claims for motor accidents if they haven’t already submitted an application to MIB
- Sell or distribute information held on the MID to unauthorised third parties
- Ask for banking details over the phone
When receiving a call, it’s important to trust your instincts. If something doesn’t seem right, note down as much information about the call as you can and then hang up. Don’t give any of your personal information to the caller.
What You Should Do if You Receive These Calls
These scams are stopped when the authorities can gather enough information about them. If you’ve received a phone call claiming to be from MIB that doesn’t seem genuine, please report the issue using one of the forms recommended by MIB.
- Which? – this is a campaign conducted in collaboration with the British government to try and combat nuisance calls and texts
- Information Commissioner’s Office (ICO) – they’re gathering more information to try to protect consumer data
- MIB – by emailing MIB, they can learn more about the scam and inform the authorities if it is required
At AYB Law, we’re passionate about protecting vulnerable people and getting them the compensation they deserve while also ensuring that they aren’t taken be scams that take advantage of road accident victims.