How Are MIB Claim Amounts Calculated And What Could I Receive?

In this guide, we will look at how Motor Insurers’ Bureau (MIB) claim amounts are calculated. If you’ve been injured in a road traffic accident that involved an uninsured or untraced driver, you may be wondering how you could claim compensation.

Usually, when compensation is claimed after a car accident that causes injury, it’s claimed from the at-fault party’s insurance provider. However, if you cannot trace the driver or if they do not have the required insurance in place, then this may not be possible.

Read on to find out more about the role that the Motor Insurers’ Bureau plays in claims. Alternatively, you could get in touch with Advice.co.uk for free legal advice about your potential case. You can contact us by:

• Calling us at 0161 509 2856.
• Contacting us via the live chat feature below.
• Filling in our online “Contact Us” form with your query.

Select A Section

1. Examples Of MIB Claim Amounts
2. What Is The MIB?
3. How Do MIB Claims Work?
4. What Is The Time Limit To Claim Through The MIB?
5. How To Get MIB Claim Amounts For Your Injuries
6. Start Your MIB Claim Today

Examples Of MIB Claim Amounts

Those eligible to start a MIB claim for a road traffic accident may have questions about the amount of compensation they could receive. Some people may search for a MIB compensation calculator which can provide guidance on this matter.

As with other personal injury claims, the MIB payout you could receive depends in part upon the severity of your injuries and the extent of your suffering. If you make a successful claim, then your payout can include general damages, this head of claim covers the pain and suffering your injuries have caused.

Those who value personal injury claims for general damages may consult the Judicial College Guidelines (JCG), which provides guideline compensation brackets for many different kinds of injuries. You can view some of the figures from the JCG, aside from the top bullet point, in the list below.

Compensation Amounts

Please be advised that these values are intended as guidance only.

• Multiple Very Serious injuries along with significant special damages such as care costs and lost income could receive compensation of up to £1,000,000 and above.
• Very Severe (a) brain damage where there is little to no environmental response or language function and the need for full time professional care could be valued from £344,150 to £493,000.
• The Loss of Both Legs (a)(i) where both legs are amputated above the knee or one below knee and one high level amputation can result in a compensation award from £293,850 to £344,150.
• A Below-knee amputation of Both Legs (a)(ii) can be valued from £245,900 to £329,620. Awards in this bracket depend on the height of the amputation and severity of phantom pains.
• Moderate (b)(i) brain damage involving a moderate to severe intellectual deficit, sensory impact and personality shift could receive compensation of between £183,190 and £267,340.
• The Loss of Both Arms (a) in a person with full awareness could receive a sum of between £293,850 to £366,100.
• Other arm injuries involving simple fractures of the forearm (d) could be awarded a sum of £8,060 to £23,430.
• Injuries to the elbow which are severely disabling (a) could be awarded compensation from £47,810 to £66,920.
• Less Severe (b) elbow injuries involving some functional impairment but not requiring major surgery could be valued from £19,100 to £39,070.

Special Damages

Alongside general damages, you could potentially be awarded a second head of claim called special damages. This can reimburse you for financial losses and expenses related to your accident and subsequent injuries. Examples can include:

• Loss of earnings if your injuries have led you to take unpaid time off work.
• Home care expenses.
• Travel expenses, such as bus or train tickets, which have been spent so you can attend vital appointments.

To claim special damages, you will need to provide relevant evidence, such as bank statements or wage slips.

For more advice on MIB payout examples and how much your claim could be worth, contact us for free today.

What Is The MIB?

The Motor Insurer’s Bureau (MIB) is a company comprised of British Insurers who’s aim to remove uninsured vehicles from the roads and combat hit-and-run incidents. You will claim through the MIB in the following scenarios:

• When a driver leaves the scene of a road traffic accident without giving their insurance details. this is known as a hit and run incident.
• When another driver has no valid insurance.
• If you are hit by a foreign registered vehicle.

MIB claim amounts are the same as in a standard road traffic accident claim as we examined above. The MIB provides an avenue, for drivers who would otherwise be unable to claim, to seek compensation. To find out about making an MIB claim, or to discuss MIB payout examples further talk to our team today.

How Do MIB Claims Work

You may be able to claim personal injury compensation through the MIB if you were injured in a hit-and-run accident or if the other driver is uninsured. As with all personal injury claims, you must be able to show that the following criteria apply to your circumstances:

1. That someone owed you duty of care.
2. The duty of care that you were owed was breached.
3. An accident occurred because of this breach in which you were injured.

In addition to the above, you should also check if the other party is insured. If you can show the other party is uninsured or cannot be traced, the MIB may be able to help.

Should you make a personal injury claim through the MIB, you have three years to begin proceedings. This time limit begins from a specific date and is either:

• The date of the accident
• The date of knowledge. This is when you knew (or would have been expected to know) that your injuries came about as a result of negligence.

There are some exceptions to these time limits; if you get in touch with our team of advisors today, they will be able to confirm if any apply. Furthermore, they can offer guidance on the road accident claims process and answer any questions you might have.

What Is The Time Limit To Claim Through The MIB?

The time limit to claim through the MIB is 3 years, according to the Limitation Act 1980, just as it is when making a typical road accident claim. Certain exceptions can extend this limitation period, however, and we’ve set these out here:

• Children: persons who were under 18 when the accident occurred cannot claim while still a minor. The limitation period is therefore counted from their 18th birthday. This gives them until they turn 21 to start any legal action.
• Persons without sufficient mental capacity: anyone who lacks the capacity to claim on their own behalf will have the 3-year period paused indefinitely, unless they regain this capacity. In this instance, the time limit will then run from this recovery date.

In order to get a claim started as soon as possible while the time limit is frozen, a parent or guardian, family friend or other suitable adult who meets the criteria can apply to be a litigation friend.

Litigation friends have decision-making powers over the claim, and are required to act in the best interests of the injured person. They will also attend court in the event of a hearing. You can ask any questions about the time limits, or inquire further about how MIB claim amounts are calculated by speaking with our advisors today.

How To Get MIB Claim Amounts For Your Injuries

There are a few steps you could take to help with claiming compensation for your injuries. Firstly, it’s important to begin the claim process before the time limit to do so has expired.

Another step you can take is to gather evidence that will support your personal injury claim. For example, you can:

• Take photos or retrieve CCTV footage that shows the extent of vehicle damage or how the accident occurred
• In the event the other driver flees the scene, you may need to report the incident to the police. The report you receive can be used as evidence in your claim.
• Get medical attention as soon as you are able. As discussed in previous section, evidence regarding the extent of your injuries may affect how much compensation you receive.
• Take the contact details of anyone who witnessed the accident. Statements can be taken from them to support your claim.

For more information about the steps you can take following a road traffic accident with an uninsured or untraced driver, contact our advisers for free legal advice. They will listen to your personal circumstances and give you the information on MIB claim amounts you need to begin a claim.

Start Your MIB Claim Today

You may wish to hire legal representation to assist with your MIB claim. If you’re worried about the cost of doing so, you may benefit from a No Win No Fee Agreement.

There is more than one type of this agreement, but our solicitors may offer their services under a Conditional Fee Agreement (CFA). This means that you do not generally have to pay for their services upfront or during the claims process, Furthermore, there’s usually nothing to pay for the work that they have done if your claim fails.

Instead, you will only pay a small percentage of your compensation if your claim succeeds. The portion that they can take is capped by law.

To speak to someone about your potential claim and learn more about MIB claim amounts, call us today. You can contact us by:

• Calling us at 0161 509 2856
• Contacting us via the live chat feature below
• Filling in our online “Contact Us” form with your query

Related Information On Road Traffic Accident Claims

These resources can help support your road traffic accident claim:

Whiplash – NHS information about whiplash

MIB Guide to Claiming – A guide from the MIB about making a claim

Report a Road Traffic Accident – Information about how and when to report a road traffic accident

We hope this article about MIB claim amounts has been useful. If you need any more information, call us today.