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Motor Insurers Bureau (MIB) Compensation Claims Amounts

By Cat Way. Last Updated 17th January 2024. Welcome to our guide on how the Motors Insurers Bureau (MIB) could help you following a road traffic accident with an uninsured or untraceable driver. We’ll explore the process of making an MIB claim to seek the compensation you deserve.

If you have been involved in a vehicle or car accident that has led to an injury with an uninsured driver, you may wish to know how to claim. We’ll explore how you can do this and whether you hold a valid claim.

Additionally, we’ll explain what the MIB is and what’s involved when submitting a claim to the MIB. We will also take a look at what sort of damages the MIB can potentially cover.

Also, we’ll provide information on Motor Insurance Bureau compensation amounts that you could receive in your claim. We’ll also explain the benefits of making your claim on a No Win No Fee basis with an experienced solicitor.

When you secure the help of a professional who is already familiar with the MIB claims process, your chances of receiving compensation will be improved. Our personal injury solicitors are well versed in handling cases where someone has experienced harm caused by an uninsured driver.

For more information on personal injury claims, contact our team using the details below:

  • Telephone — 0800 073 8804
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  • Chat with an advisor using the live chat function below

You can also watch our video which explains our No Win No Fee claims service in detail:

Discover More About Making An MIB Claim In The Sections Below

What Is A Motor Insurers Bureau (MIB) Claim?

The Motor Insurers Bureau (MIB) is an organisation that was set up in 1946 to compensate people affected by negligent uninsured and untraced drivers. Their objectives are to reduce the impact and level of uninsured driving in the UK and to compensate those who have been affected by untraced/uninsured motorists.

If you have been involved in a road traffic accident with an untraced or uninsured driver, you could make a claim through the MIB. The MIB could compensate you for your injury plus any property damage and financial losses you have suffered due to the accident. However, you must prove that the uninsured driver was at fault for the accident due to them breaching their duty of care. Later in this guide, we will discuss the duty of care that road users owe each other. Additionally, we will share some examples of the compensation you could receive for your injury.

Do not hesitate to contact our advisors today to discuss your MIB claim against an uninsured or untraced driver. Our friendly advisors are available 24 hours a day, 7 days a week, to offer you free legal advice and answer your questions about road traffic accident claims.

Time Limits For MIB Claims

The time limit for MIB claims is the same as all road traffic accident and personal injury claims, as set out by the Limitation Act 1980. This limit is generally three years from the date of your accident, however, there are some exceptions to this rule.

For example, if you are under the age of eighteen when you are injured, then the time limit is frozen. It reinstates on your eighteenth birthday and runs until you turn twenty-one, but a litigation friend can make a claim on your behalf at any time while it is suspended.

Similarly, the time limit is frozen indefinitely for those who lack the mental capacity to claim for themselves. In these cases, a litigation friend can make their claim for them. Otherwise, the 3-year time limit will only be reinstated if the claimant regains the appropriate capacity.

To learn more about MIB claims, MIB payout examples in the UK, and more, read on. Alternatively, contact our team of advisors today to get started on your claim.

Duty Of Care In Road Traffic Accidents

When you are using the roads, you owe a duty of care to other road users, and they owe the same duty of care to you. This means that all road users are responsible for preventing harm and damage to themselves and others by ensuring that they are navigating the roads in a safe and responsible manner. Part of upholding this duty includes complying with the Road Traffic Act 1988 and the Highway Code.

In order to make a road traffic accident claim, you have to be able to prove that:

  • You were owed a duty of care.
  • This duty was breached.
  • As a result of this breach, you suffered harm. 

For example, if you are injured in a hit-and-run, then you may be able to claim compensation for this through the MIB. This is because the other driver, in this case, breached their duty of care and left the scene of the accident without providing their information. 

To learn more about when you could make an MIB claim, contact our team of advisors today. A member of our team can evaluate your potential claim, and if it’s valid, they may be able to connect you with one of our expert solicitors.

Steps To Making An MIB Claim Following An Accident With An Uninsured Driver

Although it may feel overwhelming, there are several steps you may wish to take before claiming compensation against an uninsured driver.

We have provided details on these steps below. Some of these steps might not be possible, for instance, in cases where you’ve been in a hit and run accident.

  • Try to obtain details of the car, such as the car registration number, vehicle model and colour
  • Try to obtain details of the driver, such as their name and number
  • Gather evidence to support your MIB claim that another driver was responsible, such as witness details, photographs, CCTV footage and dashcam footage
  • Report the accident to the police within 24 hours if the police aren’t present at the time of the accident
  • Try to document what occurred at the car accident or vehicle accident scene as accurately as possible.

These steps can often help if the uninsured driver is unwilling to take responsibility.

An experienced road traffic accident solicitor could help you go through the process of claiming through the MIB. For more information on making an MIB claim and further information on MIB payouts, please contact our team.

What Costs Are Covered In An MIB Claim?

The MIB is responsible for paying compensation to individuals that cannot be claimed against a third party, such as an uninsured driver or a driver who fled the accident scene. They run three specific schemes designed to help the public following an accident with an uninsured or untraceable driver:

  • The uninsured drivers’ scheme – this compensation plan is activated when the driver that causes or contributes to the accident is uninsured.
  • The untraced drivers’ scheme – this is activated when the driver responsible for the car accident or vehicle accident flees and can’t be traced.
  • Green card scheme – this is activated when the accident is caused or contributed to by foreign drivers.

MIB Payout Examples

It may be that more than one figure makes up your total MIB payout. Examples include general damages for your pain and suffering caused by the injury, and special damages for the financial impact your injury has had on you. In this section, we’ll focus on general damages.

General damages are awarded for the injuries you experience, whether they be physical or psychological. The amount suitable for the extent of your injuries is calculated by legal professionals during the process of your claim. As well as taking a look at medical evidence that provides details of the nature of your injury, they will also look at a publication called the Judicial College Guidelines (JCG).

The JCG is a list of injuries, with helpful descriptions of each. The descriptions are all accompanied by a range of monetary figures that relate to how much a general damages settlement could be worth for each injury. However, the figures are merely guidelines. Your claim will need to be addressed directly on a bespoke basis before a more accurate valuation can be carried out.

You can see how the JCG is laid out in the table below. These figures have been taken from the 16th edition of the publication, except for the first entry. This is the most recent update, published in April 2022.

Additionally, the last two entries of this table have been taken from the Whiplash Injury Regulations 2021 fixed tariff, as these may apply to certain claims being made through the MIB.

Injury Description Amount
Multiple Serious Injuries And Special Damages A combination of multiple serious injuries as well as financial losses, like loss of earnings and pension contributions. Up to £1,000,000+
Brain and Head Injury – Moderately Severe The person will be seriously disabled and will significantly depend on others. They may suffer with cognitive and physical disabilities. £219,070 to £282,010
Brain and Head Injury – Minor Any brain damage will have been minimal. Various factors will also affect how much is awarded, such as the severity of the initial injury and any continuing symptoms. £2,210 to £12,770
Arm Injury – Severe An injury that fell short of amputation, but has left the person little better off than if it had been. £96,160 to £130,930
Knee Injury – Severe (ii) A leg fracture that has extended into the knee joint and causes constant permanent pain with limited movement and impaired agility. £52,120 to £69,730
Knee Injury – Moderate (i) Dislocations or a torn cartilage/meniscus that causes minor instability with weakness and wasting. £14,840 to £26,190
Leg Injury – Severe (iii) Serious A serious compound or comminuted fracture that causes instability and will require prolonged treatment. £39,200 to £54,830
Back Injury – Moderate (i) A crush or compression fracture of the lumbar vertebrae that causes constant discomfort and pain with a substantial risk of developing osteoarthritis. £27,760 to £38,780
Whiplash Injuries 1+ Symptoms last for 18-24 months £4,215
Whiplash Injuries And Psychological Injuries 1+ Symptoms last for 18-24 months £4,345

Can MIB Claims Include Special Damages?

Some payouts from successful MIB claims can also include special damages. This head of claim considers your finances and the way that the accident in which you were injured affects you financially. For example, a serious car accident may result in the amputation of an arm, which could prevent you from returning to work. In this case, you may be able to claim back current and future lost earnings under special damages.

This head of claim could also help you recover the cost of:

  • Essential travel
  • Mobility aids
  • Home adjustments
  • Prescriptions and over-the-counter medicines
  • Childcare
  • Help with housework
  • Nursing and full-time carers

Contact our team to learn more about the compensation payout you could receive following a successful claim made through the MIB. Get in touch today to learn more.

Make An MIB Claim With Our No Win No Fee Solicitors

Those eligible to make a claim could seek legal representation from a solicitor who has previous experience handling MIB claims. If you contact our advisors about your claim and they determine you have a strong case, then they could connect you with one of our solicitors. One of them may offer to represent you on a No Win No Fee basis through a Conditional Fee Agreement (CFA).

When working with a solicitor under this arrangement, you won’t be required to pay any upfront or ongoing fees for their services. Additionally, if your claim is unsuccessful, you will not be obligated to pay your solicitor for the work they have provided on your case.

If your MIB claim is a success, a success fee will be subtracted from the compensation awarded to you. This is a legally capped percentage of your compensation that’s taken from the No Win No Fee solicitor who worked on your case.

Contact our advisors today to discuss your potential claim and receive advice. Our team is available 24/7 to help answer any questions you may have.

They can be reached by:

Learn More About MIB Claims

We hope our guide on making a MIB claim has helped. We have included other resources below.

Thank you for reading our guide on making an MIB claim. If you have any further questions on MIB payouts or the process of claiming through the MIB, call our team on the number above.

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    • Patrick Mallon

      Patrick is a Grade A solicitor having qualified in 2005. He's an an expert in accident at work and public liability claims and is currently our head of the EL/PL department. Get in touch today for free to see how we can help you.