Motor Insurers Bureau (MIB) Compensation Claims Amounts
By Cat Way. Last Updated 6th September 2023. 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
- Contact us — Fill out our form with your query and an advisor will call you back
- Chat with an advisor using the live chat function below
Discover More About Making An MIB Claim In The Sections Below
- What Is A Motor Insurers Bureau (MIB) Claim?
- Duty Of Care In Road Traffic Accidents
- Steps To Making An MIB Claim Following An Accident With An Uninsured Driver
- What Costs Are Covered In An MIB Claim?
- MIB Untraced Driver Claims
- MIB Payout Examples
- Make An MIB Claim With Our No Win No Fee Solicitors
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.
Do I Have To Make An MIB Claim Myself?
You could make a claim through the MIB if you have been injured due to an accident with an untraced or uninsured driver. In relation to claiming for the damage to your vehicle, you may be able to claim through the MIB. However, it may be easier and quicker for you to claim through your insurer if you have comprehensive cover.
You can make a claim through the MIB directly by filling out a claim form. The MIB could work with you to set up a claim and see if you could receive compensation. On the other hand, you may prefer to hire specialised legal counsel to help you claim compensation.
They can help you collect evidence, contact any potential witnesses and evaluate what you could receive from a successful claim.
If you’re unsure if you can make a claim through the MIB or would like to know more about the claims process, please contact us for free using the above details. Please read on to learn more about MIB payout examples.
What Accidents Do The MIB Cover?
The MIB cover all types of road traffic accidents, such as:
- Car Accidents
- Cycle Accidents with another road vehicle
- Motorcycle Accidents
- Van Accidents
- Pedestrian accidents
- HGV Vehicles
- Passenger accidents
If you have had a similar type of accident involving an uninsured or untraceable driver, you may be able to seek compensation by making an MIB claim. Please call our team to discuss your claim in more detail.
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
As per different legislation, all road users are responsible for upholding their duty of care to other people using the road. For instance, the Road Traffic Act 1988 sets out rules for drivers to follow.
For drivers, making sure they are insured to drive any vehicle on the road is compulsory as per Section 143 in the act. If they fail to have the correct documentation to operate a vehicle, it can cause various problems.
For example, they may not have insurance because they aren’t qualified to drive. In these cases, driving without the correct qualifications could cause a serious accident due to inexperience and lack of proper training.
Furthermore, you could make an MIB claim to seek compensation.
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 Untraced Driver Claims
People often wonder if they can still make a claim even if the driver is not traced. You are still able to receive compensation if a road user’s negligence has caused you harm, even if the driver is untraceable. When the driver cannot be traced (such as in a hit and run accident), then you can still make a claim through the MIB.
At a later point in time, if the driver is identified, the MIB can then reclaim these costs through their insurance provider.
If your MIB claim is a success, your compensation would be awarded similar to a personal injury claim. When claiming through the MIB, a compensation calculator can be a helpful tool to give you an idea of how much you could receive. However, we can assess your claim on an individual basis, making the estimate more accurate.
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. This is the most recent update, published in April 2022.
| Injury | Description | Amount |
|---|---|---|
| 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 |
| Arm Injury - (d) | A simple forearm fracture. | £6,610 to £19,200 |
| 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 |
| Leg Injury - Less Serious (iii) | A simple fibula or tibia fracture, or soft tissue injury, that causes minor symptoms. | Up to £11,840 |
| 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 |
| Back Injury - Minor (i) | A sprain, strain, or soft tissue injury that fully recovers within 2-5 years without needing surgery. | £7,890 to £12,510 |
| 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:
- Calling 0800 073 8804
- Completing our ‘claim online’ form.
- Using the live chat service.
Learn More About MIB Claims
We hope our guide on making a MIB claim has helped. We have included other resources below.
See the government guide on claiming compensation for victims of uninsured driver accidents.
Visit this government guide to vehicle insurance.
Read our guide on whiplash claims.
For more information on bus accident claims, see our guide.
If you require more information on drink driving accident claims, our guide could help.
See our guide on proving the accident wasn’t your fault following a road traffic accident.
Also, check out our passenger car accident claims guide.
Find out more about making a pedestrian accident claim in our guide.
Visit our guide on how you can prove an injury from a car accident to seek compensation.
Find out how you could make a stolen vehicle accident claim with our extensive guide.
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.
