Singapore

My car was hit by an uninsured driver. Can I still claim?

MIBS Fund

Compensation source

3 years

Claim deadline

Cap. 189

Governing Act

s. 3

Legal basis

The Short Answer

Yes, you can still claim compensation through the Motor Insurers' Bureau of Singapore (MIBS) if the at-fault driver is uninsured, as required by law.

What the Law Says

The law requires all motor vehicle owners in Singapore to have third-party insurance — and provides a safety net when they don’t.

Under the Motor Vehicles (Third-Party Risks and Compensation) Act, it is illegal to use a motor vehicle on a road without valid third-party insurance. If an uninsured driver causes an accident, victims are not left without recourse.

Section 3 of the Act mandates the establishment of a fund — administered by the Motor Insurers' Bureau of Singapore (MIBS) — to compensate innocent victims of accidents caused by uninsured or untraced drivers.

This means even if the driver who hit your car has no insurance, you may still file a claim for personal injury and/or property damage (e.g., vehicle repairs), subject to eligibility conditions and time limits.

Statutory Text
Every person who uses a motor vehicle on a road shall have in force a policy of insurance which complies with the requirements of this Act.
— Motor Vehicles (Third-Party Risks and Compensation) Act, s. 3 — Requirement of insurance

What to Do

Report the accident to the police within 24 hours if there’s injury or damage exceeding S$1,000.

Gather evidence: photos, witness details, vehicle registration numbers, and police report number.

Submit a claim to the Motor Insurers' Bureau of Singapore (MIBS) within 3 years from the date of the accident.

Provide supporting documents: repair quotations, medical reports (if injured), and proof of ownership.

Cooperate with MIBS investigations — they may seek reimbursement from the uninsured driver later.

Sources

statuteMotor Vehicles (Third-Party Risks and Compensation) Act, s. 3 — Requirement of insurance

Same Question, Other Jurisdictions

Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: 2026-06-08.