Under the 2003 Act an injured person is obliged to apply to the Personal Injuries Assessment Board (“PIAB�) for an assessment and, if necessary, a certificate, before issuing proceedings in court for the recovery of compensation.

Where the person has been injured by an uninsured driver or by a driver whose identity is unknown, the injured person may claim against the MIBI. The Bureau is, effectively, funded by all the insurers of motorists, in the Irish market.

The obligation to prove liability and loss remain, even though the MIBI is not “at fault�.

The MIBI was not mentioned specifically in the 2003 Act, hence the doubt. The judgment makes sense; anything else would have been an anomaly. Indeed, in a very real sense the 2003 Act was intended to apply to the MIBI more than anyone or anything else; they are the insurance industry.

The 2003 Act is intended to benefit them.