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Last Updated 28th April 2026. How much can you claim through the Motor Insurers’ Bureau (MIB)? You may ask this question if you’ve been injured by a car and either the driver didn’t stop and provide details, or they don’t have insurance. The MIB has been established to assist victims of unidentified or uninsured drivers. However, our advisory team understands how challenging the entire process of making a road traffic accident claim may seem.
What You Need To Know About MIB Compensation Claims:
- Can I make an MIB claim against a foreign-registered vehicle?– You may be able to make an MIB claim through the Green Card Scheme. However, you will need certain details, such as the vehicle’s registration number.
- What evidence can I use for my MIB claim if I don’t have the driver’s details?– You can make use of other evidence like medical reports, witness statements and photographs of the accident scene.
- Do I need to make a police report in case of a hit and run?– Yes, you need to file a police report since Section 170 of the Road Traffic Act 1988 makes it an offence not to stop and provide details if your car hits somebody.
- Are there any time limits for making an MIB claim?- Generally, there is a time limit of 3 years to start your MIB claim.
- Do I have to pay the solicitors any money for claiming MIB compensation?– If your claim is eligible to be brought under the purview of our No Win No Fee solicitors, there will be no upfront service fees, and you will pay them a success fee following a successful claim.
At Advice, our team understands the physical and psychological trauma that car accident victims undergo. Our advisors strive to answer any questions you may have, offer you free advice, and connect you with one of our solicitors if you have a strong claim. Speak to them now for more information on MIB payout examples:
- Call on 0161 509 2856.
- Reach out directly on live chat.
- Contact us online.
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Select A Section
- How Much Can You Claim Through The Motor Insurers’ Bureau?
- When Could I Make A Claim Through The Motor Insurers’ Bureau (MIB)?
- What Types Of Claims Can I Make Through The MIB?
- Top Tips on Claiming MIB Compensation
- How Long Does It Take To Claim Through MIB?
- How Can Advice Help Me Claim Compensation Through The MIB?
- Can I Claim Through the MIB On A No Win No Fee Basis With Advice?
- More Information And Advice On MIB Payout Examples
How Much Can You Claim Through The Motor Insurers’ Bureau?
In order to answer the question, “How much can you claim through the Motor Insurers’ Bureau?” we need to first explain how personal injury compensation is calculated. There are two relevant heads of loss that compensation may be awarded under, these are:
- General damages, which awards for physical and psychiatric injury.
- Special damages, which awards for financial losses.
Those tasked with determining a potential compensation figure for your claim can refer to the medical evidence you provide alongside the Judicial College Guidelines (JCG). This publication contains guideline compensation brackets for various injuries, some of which have been provided below. We have also included figures from the Whiplash Injury Regulations 2021 fixed tariff at the bottom of the table.
Compensation Amounts
It is important we emphasise that the JCG entries are to be used as guidance only. The first bullet point is not a JCG figure.
- Multiple very severe injuries with additional special damages such as care costs, rehabilitation and medical expenses – up to £1,000,000 and above.
- Brain Damage – Moderately Severe – Very serious disability, with recurring constant care – £289,420 to £372,570.
- Neck Injuries – Severe (i) – Little to no neck movement with severe headaches – In the region of £195,970.
- Neck Injuries – Moderate (ii) – Serious limitation of movement with permanent and recurring pain – £18,150 – £33,020.
- Arm Injuries – Severe – Injuries that fall short of amputation but leave the injured person little better off – £127,050 – £172,970.
- Arm Injuries – Less Severe – significant disability, but a substantial recovery will occur or be expected to occur. – £25,370 – £51,750.
- Leg Injuries – Severe (ii) Very Serious – Permanent mobility issues requiring aids such as crutches for the remainder of life. – £72,440 – £117,210.
- Leg Injuries – Severe (iv) Moderate – complicated or multiple fractures or a severe crush injury. – £36,680 – £51,790.
- Whiplash Tariff – 1+ whiplash injuries with 1+ minor psychological injuries lasting 18-24 months – £4,975.
- Whiplash Tariff – 1 or more whiplash injuries lasting 18-24 months. – £4,830.
Special Damages
When claiming through the MIB, an untraced driver could have caused you to suffer financially as well as physically and psychologically. If so, you could be eligible to receive a figure known as special damages. MIB payout examples are calculated to account for any financial loss caused by your injuries.
Here are a few examples of what could be included in a special damages payment:
- Medical expenses
- Repair costs to personal property
- Loss of earnings
- Additional care at home
If you’d like to know more about how you could achieve claim success with the MIB, please contact us for free advice using the above details.
When Could I Make A Claim Through The Motor Insurers’ Bureau (MIB)?
You will be eligible to make a claim through the MIB if you were hit by a driver who was either uninsured or untraced. To make your claim, you will need evidence to establish that:
- You were injured in a road traffic accident
- A driver breached their duty of care that they owed to you by ignoring the practical measures expected of them to ensure your safety.
- This driver was either uninsured or untraced.
Evidence can include medical records to prove that you were injured, dashcam footage to prove the breach and a note of their registration plate, which you reported to the police to prove that they were uninsured.
Can I Claim Through The MIB If Hit By An Uninsured Driver
Yes, you can claim through the MIB if hit by an uninsured driver. The MIB aim to compensate people who have been injured in a road traffic accident but can’t directly claim from the responsible party. This includes those who have no insurance to cover the compensation.
Can I Claim Through The MIB If Involved In A Hit And Run
Yes, you can claim through the MIB if involved in a hit and run and the driver is not identified. They will be considered untraced, but you still deserve compensation to help with the recovery of your injuries and to reimburse you for the financial losses that you have suffered. Claiming through the MIB after being hit by an untraced driver will help you to gain the compensation that you deserve.
What If The Car That Hit Me Was Stolen – Can I Claim Through The MIB?
Yes, you can still claim through the MIB if hit by a car that was stolen, as the driver will not be insured on that vehicle. This also means that they may go untraced. To still gain compensation for the injuries caused by the negligent driver of the stolen vehicle, you can make your claim through the MIB.
If you have any other questions aside from ‘how much can you claim through the Motor Insurers Bureau?’ and to find out whether you are eligible to claim, contact an advisor today.
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What Types Of Claims Can I Make Through The MIB?
The types of claims that you can make through the MIB include claims for personal injury and property damage caused by any uninsured or untraced driver. More examples of the types of claims that you can make through the MIB are given below.
Hit By A Foreign Vehicle Claims
If you have been hit by a vehicle that is registered outside of the United Kingdom, you can still make a claim for compensation through the MIB.
Road Traffic Accidents Abroad
Generally, if you suffered injuries in a road traffic accident whilst abroad, your claim must be brought in the country in which the accident occurred. Your road traffic accident claim will be assessed under the laws and regulations of that country. For more information, speak to one of our advisors.
To find out ‘how much can you claim through the Motor Insurers’ Bureau?’ and learn about the other types of claims that you can make through the MIB, get in touch with one of our helpful advisors today.
Top Tips on Claiming MIB Compensation
MIB claims require evidence to be successful. Your evidence will need to establish that you were injured because of a road traffic accident and the incident was caused by another party that breached the duty of care they owed you.
There are numerous types of evidence you may be able to collect, including:
- Medical reports that confirm your injuries and the treatment you’ve received for them.
- Any video footage available of your accident, such as dashcam footage or CCTV footage.
- Photographic evidence of the accident scene and the injuries you’ve suffered.
- The contact details of any witnesses who can provide a statement about your accident.
For more advice on the steps to making a MIB claim or other related matters such as MIB payout examples, contact our team of advisors today.
What Is The Time Limit For MIB Claims?
According to the Limitation Act 1980, the time limit for claiming hit and run compensation is three years. This time limit begins from the date your incident occurred and also applies to claims made through the Motor Insurers’ Bureau.
In some circumstances, the time limit can be different. If the injured party is a child, then the time limit does not start for them until the day of their 18th birthday. Before that day, a claim could potentially be started on the child’s behalf by a litigation friend.
If the injured party lacks the mental capacity to claim on their own behalf, then the three-year time limit is suspended unless they become capable of claiming themselves. In such cases, a litigation friend may be able to represent the injured individual.
Don’t hesitate to contact our friendly team of advisors to learn more about the legal time limits in place. They can also provide you with MIB payout examples to give you a better idea of how compensation is calculated in such cases.
How Long Does It Take To Claim Through MIB?
MIB try to take three months or less to determine whether you should receive compensation. In some cases, they can reach a decision within 6 weeks.
However, you must consider that all claims are different and there is no guaranteed time frame for when you will receive compensation. Many aspects could impact how long your claim takes, such as:
- Whether liability for the accident is disputed
- How long the police take to provide a copy of the police report
- Conflicting or insubstantial evidence
- Whether an independent medical report is necessary
- Whether medical experts can reach an agreement regarding the effects of your injuries (this can particularly apply to assessing the future impact of your injuries)
- The valuation of special damages, such as the potential loss of future income
Sometimes, claimants struggle financially due to their injury and can’t wait for a compensation award. In such cases, you could be eligible for an interim payment. This is a payment that is made to you before the claim has settled.
There are set criteria for claiming an interim payment, so we welcome you to contact our advisors if you would like to discuss the matter further. They can also answer any general queries you can think of, such as ‘how much can you claim through the Motor Insurer’s Bureau?’. Additionally, they can use a compensation calculator to provide some MIB payout examples based on specific factors relating to your claim.
How Can Advice Help Me Claim Compensation Through The MIB?
Our solicitors at Advice can help you claim compensation through the MIB by applying the combined decades of experience that they have in handling road traffic accident claims. They have a proven track record of success in gaining their clients the maximum amount of compensation applicable, whilst providing support that gives their clients an experience with the claims process that has minimal worry. The services that they offer to ensure this outcome include:
- Organising thorough assessments of the injuries that you have sustained after being hit by an uninsured or untraced driver so that you are awarded compensation for all of them.
- Advising you accordingly on what evidence to gather to support your specific claim as well as helping you retrieve police reports and CCTV footage.
- Communicating professionally with the MIB to ensure they know all of the details of your claim
- Handling any legal documentation and the gathering of statements from other road users who witnessed the hit and run so you can focus on your recovery.
- Conducting home visits to ensure that you are comfortable during each consultation where your injuries have lowered your mobility, for example.
To find out how much you can claim through the motor insurers’ bureau when claiming with one of our solicitors, give one of our advisors a call today.
Can I Claim Through The MIB On A No Win No Fee Basis With Advice?
Yes, you can claim through the MIB on a No Win No Fee basis with Advice by making a Conditional Fee Agreement, which is a type of No Win No Fee arrangement. Entering a Conditional Fee Agreement will mean that:
- You will not have to make upfront payments for the services of your solicitor before making your claim
- No ongoing payments for your solicitor’s work will be made during the process of making your claim
- Unsuccessful claims do not have to make any payments for their solicitor’s services.
If your claim succeeds, a percentage that is capped by law will be deducted from your compensation as a ‘success fee’. This means that the majority of your compensation will go to you.
To ask ‘how much can you claim through the motor insurers’ bureau?’ under a No Win No Fee arrangement with one of our solicitors, contact one of our dedicated advisors today.
Contact Us
Use the details below to get in touch:
- Call us on 0161 509 2856
- Use the live chat feature
- Contact us online
More Information And Advice On MIB Payout Examples
- NHS Conditions– If you need any medical advice, visit the NHS website.
- Road safety statistics– Visit this government guide on road safety statistics and other research.
- The Highway Code – Visit the online version of the Highway Code for guidance on your duty of care as a road user.
If you have any additional questions on how to claim compensation through the Motor Insurers’ Bureau or about MIB payout examples, call our team on the number above.
