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MIB Motor Insurers Bureau Compensation Claims Amounts How Much Can I Claim Guide

By Mark Ainsdale. Last Updated 17th June 2021. Welcome to our guide on making an MIB claim and MIB payouts. The best thing about Motor Insurance Bureau (MIB) claims payouts in 2021 is that the damages they traditional assist in securing are equal to the compensation the victim would have received without the help of the Motor Insurers Bureau.

The MIB must establish that you are entitled to claim compensation before they can assist you. As such, they will gather evidence, establish liability, speak with witnesses and capture the medical facts. Once the MIB has decided that you should be compensated, the claim will move forward.

This does not mean that you are definitely going to be entitled to compensation if you are in an accident with an uninsured or untraceable driver. There are some instances where you are required to know the driver’s insurance status, and for such cases, the Motor Insurers Bureau (MIB) would not be able to assist you.

However, if you are currently insured and are the victim of an uninsured driver’s carelessness, you are most usually entitled to claim compensation. And in many cases, the Motor Insurers Bureau will help you do this.

What does the Motor Insurance Bureau do?

More accurately known as the Motor Insurers’ Bureau, the MIB and the police prevent uninsured vehicles from using roads in the UK. Additionally, they also work alongside the likes of the DVLA to prevent uninsured driving as a whole. But the MIB can also handle compensation claims for victims of road traffic accidents caused by uninsured motorists.

How can I claim?

If you have been involved in a vehicle or car accident that has led to an injury with an uninsured driver, you need to consult a solicitor, engaging the services of a professional who will determine the right course of action for you.

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.

We are well versed in handling cases of injury victims who have fallen foul of an uninsured driver. Our experts have handled hundreds of such cases and helped countless clients receive Motor Insurance Bureau compensation amounts for harm suffered on the road. We have handled hundreds of such cases.

Additionally, we have produced a guide to making a motor insurers’ bureau claim to educate our prospective clients to make a properly informed decision about what to do next. For free legal advice, call us on 0800 073 8804 or chat with us at the bottom right of this screen.

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What Is The Motor Insurers Bureau?

Some mistakingly use the term “Motor Insurance Bureau”, though this title is incorrect. The Motor Insurers Bureau is the organisation set up to compensate victims of accidents caused by uninsured drivers or drivers that can’t be traced. The government of the United Kingdom set up the body for this purpose in 1946. It is funded by an annual deduction of about £30 from the insurance premiums paid by vehicle owners.

Being involved in a road traffic accident is a nasty experience, but when you are involved in one caused by an uninsured or hit and run driver, it can become even more stressful. The MIB is the UK legal body that assists people in these cases.

Any claim that is handled with the assistance of the MIB must happen within a period of three years after the accident. Any claim that exceeds that period won’t be acknowledged or processed.

The Motor Insurers Bureau was set up to provide a way to compensate those who are exposed to life-threatening experiences and who sustain injuries because of the errors of uninsured or untraceable drivers.

Damages can be claimed for personal injuries and also for property damage. A further benefit is that even if you can claim under your own insurance policy, the MIB can still indemnify your insured losses.

A Guide To Compensation For Motor Insurers Bureau Claims

This page contains important information needed to make an MIB claim with the assistance of the Motor Insurers Bureau. Throughout this guide, you will be provided with all the basic and necessary information needed to claim MIB compensation, along with examples of MIB payouts and under what circumstances you could be eligible to make a valid claim. The MIB provides a free booklet containing information that must be carefully digested before making a compensation claim. Most Citizens Advice Bureaus should have this booklet. We recommend that anyone who feels that the MIB can help them gets a copy of this booklet and reads it. Its second page gives the claims contact number and other contact information for the MIB and a summary of what you should be ready to do when you call.

Making an MIB claim

MIB claims and MIB payouts

Motor Insurers Bureau

The first thing the MIB will need to do is to establish your identity, which their internal database will verify. Note that if you use the paper claim form, you won’t process the claim through the Motor Insurance Bureau online portal. So, keep this in mind before deciding which way to begin your claim.

The leaflet features information on what the MIB is, what they do, and how they are funded. There is a section that outlines the process for making claims depending on specific scenarios. Full instructions on how to complete the MIB uninsured claim form are provided. Either by filling in the paper-based form or using the online claim form. Claimants are advised not to default on submitting their forms and ensure they do so on time to ensure rapid processing.

Even if you don’t have all the information required, it is still advisable you submit the form with the details that you do have, as defaulting could invalidate your claim. The Bureau will contact you for more information. After you have submitted your claim form, an investigation will be made into the accident and its cause. The investigation is to establish responsibility. You will be fully compensated if the uninsured or runaway driver is responsible for the accident. In cases where the claimant is wholly or partially responsible, compensation may not be paid or may be reduced.

For more details on making an MIB claim and further information on MIB payouts, please read on. Or if you’d like to get free legal advice from our helpful team of advisers, you can get in touch with us by phone.

What Does The Motor Insurers Bureau (MIB) Do?

The MIB has been put in place to protect the public from physical and financial damages caused by uninsured or runaway drivers. There will always be people who will flagrantly disobey traffic laws. There will always be people who don’t care about playing safe, and they can’t be avoided.

If you have suffered an injury, financial loss or property damage due to an accident caused by an uninsured driver, you don’t have to shoulder this loss; it is possible to receive financial assistance through Motor Insurers Bureau payouts for 2021.

We also advise against using a claim calculator as this works with general estimates that are not specific to your unique situation. Instead, we recommend you take advantage of our free consultation service, so you can get an accurate idea of how much you are entitled to for a personal injury claim or property damage claim.

The Motor Insurers Bureau has processed and awarded millions of MIB payouts since it was set up. There is no reason why it cannot assist you in making a damages claim if you have suffered an injury at the hands of an uninsured driver.

The MIB website gives more detailed information on their services, which you can visit here.

How common are accidents with uninsured drivers?

While there are no details that specifically relate to accidents involving uninsured or untraced drivers from the Motor Insurance Bureau, the graph below from data from the Department of Transport shows that while casualties from road traffic accidents are on the decline, there were still over 150,000 accidents involving casualties of all severities reported in 2019.

MIB claims statistics graph

MIB claims statistics graph

This, coupled with the fact that MIB reported that 2 million vehicles without insurance had been seized between 2005 and 2020, with 137,000 seized in 2019 alone, we can assume that a portion of these accidents were caused by drivers with no insurance or who could not be traced.

What to Do If You Are Involved In A Car Accident With An Uninsured Driver

Think first, panic later. You have to think about what is important if you are in a vehicle or car accident with an uninsured driver. And if it happens to be a hit and run accident, try your best to obtain the plate number. You should also note the car model and colour and try to get witnesses details. This will help in attempts to trace the vehicle and driver.

If the driver is uninsured, take photos of the accident scene and contact the police before contacting the MIB. At the end of the day, these proactive steps will save time, expedite the claim process, and MIB payouts can be made sooner than if the Motor Insurers Bureau had to do the investigation independently.

If the uninsured driver is unwilling to take responsibility, you should document what occurred at the car accident or vehicle accident scene as accurately as possible. One thing you should not do is to accept money at the scene of the crash. This nullifies your eligibility for MIB assistance with your compensation claim.

What Costs Does The MIB Motor Insurance Bureau Cover?

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.

MIB Covers All Types Of Road Accidents Including:

  • Car Accidents
  • Cycle Accidents with another Road vehicle
  • Motorcycle Accidents
  • Van Accidents
  • Pedestrian involved in a Road Traffic Accident
  • HGV Vehicles
  • All drivers and Passengers can also claim compensation

Normally, compensation will be paid within 3 months. MIB payouts can include everything a claim against a motor insurance company would normally cover. This includes payments for vehicle damage as well as the pain and suffering caused by your injuries. You have the opportunity to claim for loss of income and other costs.

You can also claim to lose a no-claims bonus or any excess charged by your insurer in handling the claim.

The Motor Insurers Bureau runs three specific schemes designed to protect the public from uninsured or untraceable drivers. (Keep in mind that the company’s title is not the Motor Insurance Bureau, despite some suggestions to the contrary online.) And these are:

  • The uninsured drivers’ scheme – this compensation plan is activated when the driver that causes or contributes to the accident is uninsured. Costs covered by this scheme include those for repairing/replacing your vehicle, hire charges, and property damage. You can also claim for personal injury, treatment and rehabilitation costs.
  • The untraced drivers’ scheme – this is activated when the driver responsible for the car accident or vehicle accident flees and can’t be traced. In this scheme, the MIB pays a fixed amount of £500 + VAT in contribution towards the victim’s legal fee.
  • The green card scheme – this is activated when the accident is caused or contributed to by foreign drivers. Here, the MIB steps in to deal with victims who may not be getting any response from foreign insurers.

How To Begin A Compensation Claim Using The Motor Insurers Bureau

If you can claim your vehicle insurance company, we recommend that you do, as it is simpler. However, it is not compulsory to do so, and you will still be able to make an MIB claim for personal injury, even if you claim for property damage via your own motor insurance firm.

We offer a free consultancy service to help you determine your claim’s viability and outline the important things you need to do to fast track the processing of your claim. Where some people may see rough estimates of what MIB compensation they could be entitled to through an MIB compensation calculator, you could be provided with a more centralised estimation of your potential damages by speaking to one of our expert advisors.

We will capture all of your accident’s key facts and details and advise you on the best action to take to move your claim forward. We can help you deal with the Motor Insurers Bureau; we know how the MIB works and how to make sure you will have the best chance of receiving damages after making a compensation claim. In 99% of cases, we will offer to do this under a No Win No Fee agreement; you don’t pay us a thing unless we win damages for you.

What Can Be Claimed For With Motor Insurers Bureau Compensation Claim?

While each claim is unique, most of the MIB payouts awarded will be done so for one of the main reasons below:

  • Vehicle Damage – this is the compensation paid for physical damage to your vehicle. However, in cases where the vehicle needs to be repaired or replaced, and the vehicle is insured, it is faster and easier to do this with your own insurer, especially since this doesn’t affect your compensation claim for other damages from the Motor Insurance Bureau.
  • General damages – this is the compensation paid to claimants to make up for the injury, pain, and suffering caused by a car or vehicle accident. The severity of the injury and the effect on the quality of life drives the amount of compensation awarded.
  • Care claim – in the case of an injury that leaves the victim requiring constant care in the home. Either short-term or long-term, compensation should be available to cover the costs.
  • Loss of earnings – if you had to take time off work probably to recover from the injury sustained in the accident, you should file for loss of earnings. Once you have evidence to support the claim that you have been absent due to the injury or accident, the bureau can compensate you for your loss. We can help you determine how much you have lost.
  • Travel Expenses- This is the cost of mobility after the accident, and it is paid by MIB when the estimates have been determined and approved.
  • Medical Expenses- this is the cost incurred during treatment of the injury caused by the accident. It also covers long-term treatment and therapy.

It is better for you to engage the services of a solicitor, who will help determine the compensation you are entitled to. You will need professional help to determine the indirect and ongoing costs of your injury and evaluate its impact on your life in financial terms. We are available to help you determine this, and we have years of experience that help us adopt the right strategy.

How Much Compensation Will The Motor Insurers Bureau Award? (Updated March 2021) 

The compensation available when an injury has been caused by an uninsured or hit and run driver depends on the conditions that led to the accident, the specifics of the person at fault, and how serious the injury is. It is best to consult us to help you get a fair estimate of what to expect depending on the injury and losses incurred.

We have, however, gone the extra mile to give you an idea of the level of MIB payouts awarded in specific situations. While the amounts stipulated here aren’t wholly accurate projections of how much you will be compensated, these are good rule of thumb examples based upon historic data. This table is by no means exhaustive, and if you have any specific enquiry, please get in touch with us. Some Motor Insurance Bureau compensation amounts below.

InjuryDegreeAmountDescription
Leg InjuryMinorUp to £11,110Fractures or soft tissue injuries which have recovered completely or almost so and any residual disability is cosmetic or of a minor nature.
Hand InjuryMinorUp to £4,461This will include fractures which generally have recovered in six months. Also injuries such as scarring, tenderness, and reaction to the cold where there is full recovery.
Arm InjuryMinor
£6,190 to £18,020

Simple fractures of the forearm
Back InjuryMinor
Up to £11,730

his bracket includes less serious strains, sprains, disc prolapses, soft tissue injuries, or fracture injuries with recover without surgery.
Foot InjuryModerate£39,390 to £65,710Fractures of both heels or feet with a substantial restriction on mobility or considerable and permanent pain.
Knee InjuryModerateUp to £24,580Injuries involving dislocation, torn cartilage or meniscus which results in minor instability, wasting, weakness, or other mild future disability will attract awards to the top end of this bracket. For less serious injuries involving shorter periods, awards to the lower end will be appropriate.
Leg InjuryModerate£36,790 to £127,530Ranging from serious compound or comminuted fractures or injuries to joints or ligaments resulting in instability, prolonged treatment and a lengthy period of non-weight-bearing, to injuries which, although not involving amputation, are so severe that the courts have awarded damages at a similar level.
Hand InjuryModerate£5,260 to £12,460The top of the bracket would be appropriate where surgery has failed and permanent disability remains. The bottom of the bracket would be appropriate for permanent but non-intrusive symptoms
Arm InjuryModerate£30,100 - £99,750Injuries which fall short of amputation but which are extremely serious and leave the injured person little better off than if the arm had been lost will be awarded compensation to the top of this bracket. The bottom of this bracket will be appropriate where there will have been significant disabilities, a substantial degree of recovery will have taken place or will be expected.
Back InjuryModerate£11,730 to £36,390

The top end of this bracket will be awarded where the residual disability is present but not as severe as higher brackets for this injury. The bottom of the bracket will include disturbance of ligaments and muscles giving rise to backache, soft tissue injuries resulting in a prolonged acceleration and/or exacerbation of a pre-existing back condition.
Foot InjurySevere£78,800 to £189,110

Amputation of one or both feet as a result of the accident.
Knee InjurySevere£24,580 to £90,290Serious knee injury where there has been disruption of the joint, the development of osteoarthritis, gross ligamentous damage, lengthy treatment and considerable pain will attract the highest awards in this bracket. Injuries resulting in less severe disability will be towards the lower end of the bracket.
Leg InjurySevere£91,950 to £264,650Amputation of one or both legs as result of the injury.
Hand InjurySevere£58,100 to £189,110Amputation or loss of function in one or both hands as result of the injury. Can include amputation of fingers which leave the hand's grip exceedingly weak.
Arm InjurySevere£90,250 to £281,520Amputation of one or both arms as result of the injury.
Back InjurySevere£36,390 to £151,070

Cases of the most severe injury involving damage to the spinal cord and nerve roots will attract the highest awards within this bracket. To the bottom of the bracket will be cases of disc lesions or fractures of discs or of vertebral bodies or soft tissue injuries leading to chronic conditions where, despite treatment (usually involving surgery), there remain disabilities
Head InjuryVery severe brain damage£264,650 to £379,100

Injuries that leave the victim in an unresponsive and in a vegetative state with little likelihood of recovery due to severe brain damage.
Head Injury Moderately Severe Brain Damage£205,580 to £264,650

There will be substantial dependence on others and a need for constant professional and other care. Disabilities may be physical, for example, limb paralysis, or cognitive, with marked impairment of intellect and personality.
Head InjuryModerate brain damage£40,410 to £205,580Where there is an affect on concentration and memory, and changes to personality, affected sight, speech and senses and a risk of epilepsy to varying degrees.
Head InjuryLess severe brain injury £14,380 to £40,410In these cases the injured person will have made a good recovery and will be able to take part in normal social life and to return to work. There may not have been a restoration of all normal functions so there may still be persisting problems such as poor concentration and memory or disinhibition of mood
Head InjuryMinor brain damage£2,070 to £11,980In these cases brain damage, if any, will have been minimal.
Foot InjuryMinor
Up to £12,900

Simple metatarsal fractures, ruptured ligaments, puncture wounds and similar.

What Is The Average MIB Pay-Out For Whiplash?

The average payment made for whiplash in an MIB claim depends on the duration and extent of the injury. However, you must ensure that there is medical evidence to support your claim of a whiplash in the first place. When it comes to the average amount received by people for whiplash, the amount varies not only because of the peculiarity of each situation but also because of the personal injury solicitors who made the claim. Some are more effective than others. Under various MIB costs tables, compensation ranges from £700 for a couple of weeks of mild discomfort to over £6500 for whiplash with more severe symptoms that last for some months.

Depending on the chronicity of the injury and whiplash, the compensation varies. If you engage in our services, you can be assured that we will always seek the most compensation possible on your behalf. The amount you can claim for whiplash is dependent on these factors:

  • How long you will suffer from the whiplash
  • The severity of the whiplash you are suffering from
  • The indirect cost of the whiplash in your life
  • Other losses and injury incurred by the accident

For more information about pursuing MIB payouts on a No Win No Fee basis, please read on.

No Win No Fee Motor Insurers Bureau (MIB) Claims

Normally, when you are involved in an accident and need to make a compensation claim, it means you will have to spend your own money on legal fees and representation. For many people, this can be an inhibitor to approaching the Motor Insurance Bureau to help them claim compensation, even if the prospect of receiving compensation is favourable.

We have an answer to this problem. We can represent you and assist you in your dealings with the Motor Insurers Bureau on a No Win No Fee basis, help you make MIB claims for various circumstances. You don’t pay us anything unless we win compensation for you. Even after you win, you will only pay an overall fee of up to 25%. Don’t let a lack of finances stop you from receiving the injuries compensation you deserve.

Why Choose Us As Your Claims Service For A Motor Insurers Bureau Claim?

You are always free to contact the Motor Insurers Bureau on your own behalf, but why would you when we offer to represent you under a No Win No Fee agreement? We have plenty of experience in dealing with the MIB. This means we know how to shape your claim for damages to a) ensure the highest likelihood of a successful outcome and b) make sure you receive the highest compensation pay-out possible.

We will always professionally represent our client and always take care never to do anything that could potentially jeopardise MIB payouts. We offer support and advice across the life cycle of the damages claim, making the entire processes as simple and efficient as possible.

Call For Free Advice And To Start A Claim

Remember that there is a time limit on how long you can leave it to claim compensation with the assistance of the Motor Insurers Bureau. You need to contact us now to make sure that you don’t miss your claim window.

You don’t have to pay the price for someone else’s disregard for the law. Let us help you make the best of a bad situation. If you have suffered an accident at the hands of an uninsured driver, causing an injury, please get in touch and find out how we can help you. Call us on 0800 073 8804 or use the contact form on this website to reach out to us and begin your Motor Insurance Bureau claim. If you have legitimate grounds for claiming compensation, we will ensure you get the best advice and representation possible. This is our speciality, and no one does it better than us.

Helpful Links

Compensation for victims of uninsured or hit and run drivers

Gov.UK guide to vehicle insurance

How much compensation for car accident claims?

Click here to view our guide on whiplash claims

Motor Insurer’s Bureau Compensation Amounts FAQs

What does the Motor Insurance Bureau do?

The Motor Insurance Bureau (MIB) is an organisation funded by all of our car insurance premiums that allows victims of road traffic accidents involving uninsured or untraceable drivers to claim compensation for their injuries.

What can you claim from MIB?

You can factor into a MIB claim everything you normally would in a standard personal injury claim. So, for example, MIB payouts can cover:

  • Compensation for your physical pain, mental suffering and the detriment to your quality of life. This is known as general damages.
  • Any financial losses stemming from the accident (known as special damages), such as:
    • Medication costs, like prescriptions and over-the-counter painkillers
    • Costs relating to travelling to medical appointments, including parking fees, taxi fares and bus tickets, as well as any cost of repairing the damaged vehicle.
    • If you had to take time off work and weren’t paid at all or in full, you could recover your lost earnings.
    • If the injuries are severe enough to bar you from returning to your job, you can claim loss of future earnings.

When it comes to successfully claiming back special damages, you must keep hold of any receipts, invoices or bank statements that evidence your losses. Without, you may fail in claiming them back.

What happens if an uninsured driver hits me?

If an uninsured driver hits you, it’s possible to pursue a claim through the MIB. This ensures that you are not left injured and inconvenienced without the ability to seek recourse for what has happened.

Who funds the MIB?

The Road Traffic Act 1988 means that all underwriters of compulsory insurance in the UK have to be members of the MIB and contribute to its funding.

How long do I have to claim with the MIB?

The personal injury claims time limit, including for claims made through MIB, is three years from the accident.

How long will it take for a claim through MIB to be paid out?

This varies, but MIB endeavour to decide whether to make a payout within three months of the claim being submitted.

Can I claim against a foreign vehicle?

Yes. The Green Card scheme means that you can claim MIB if you’re involved in an accident with a vehicle insured by a foreign insurance company.

What if liability is disputed; can I still claim MIB?

Yes, you can, but to do so, MIB will need to obtain a police report. This can make the claims process longer.

Thank you for reading our guide to MIB claims and MIB payouts. If you have any queries about the Motor Insurance Bureau, please contact our advisors anytime.

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