If you have been involved in a road traffic accident where the driver has failed to stop or is uninsured, then you may feel very anxious about how you will recover your financial losses and make a claim for any personal injury. Your insurance company may cover you for any damages to your vehicle and fortunately, victims in this situation can turn to an organisation called the Motor Insurers’ Bureau (MIB). MIB was set up to compensate victims for personal injury and financial losses where the other driver does not have insurance or drives off. Motor Insurers’ Bureau compensation will pay out damages for any personal injuries caused as a result of the road traffic accident. The process is not straightforward, however, but Advice.co.uk can help.
Contact us today on 0161 696 9685 to find out more about how we can help you and read on to learn more about the Motor Insurers’ Bureau and how to claim compensation for victims of uninsured or hit and run drivers.
Select A Section
- Your Guide On Making A Motor Insurers’ Bureau Claim
- MIB Motor Insurers’ Bureau Compensation Amounts And Awards
- What Can The MIB Motor Insurance Bureau Award Compensation For?
- What Is The MIB Motor Insurers’ Bureau
- What Does The Motor Insurers’ Bureau (MIB) Do And How Can It Help Me?
- MIB Claims Against Uninsured Drivers
- Motor Insurers’ Bureau MIB Hit And Run Accident Claims
- Can I Make A Motor Insurers’ Bureau Claim For Whiplash And How Much Would I Be Awarded?
- What To Do If You Think The Other Driver Is Uninsured
- What Should You Do If Injured In A Hit And Run Accident?
- How Do I Make A Claim Via The Motor Insurers’ Bureau?
- No Win No Fee Motor Insurers’ Bureau Compensation Claims
- How We Can Advise You On Your Next Steps
- Contact Our Team Today
- Where To Get More Information And Advice
Motor insurance is a compulsory requirement for all drivers in the UK. We take it for granted that if we are in an RTA (road traffic accident) then between our own insurance company and the insurance company of the other driver, we will be able to recover any losses that are made as a result of the accident. However, if the other driver involved in the accident is uninsured or fails to stop then the process is a little more complicated. An organisation called the Motor Insurers’ Bureau was put into place to help you achieve compensation in situations like this where you cannot use the other driver’s insurance company. This guide will help you to understand the role the Motor Insurers’ Bureau has and will explain the situations in which you are eligible to make claims for Motor Insurers’ Bureau compensation.
This Motor Insurers’ Bureau compensation calculator will offer an idea of the amount of compensation you may receive following your accident. However, a personal injury claims calculator is not a true replacement for the professional advice of a personal injury lawyer. We strongly suggest that you contact us so that we can put you in touch with somebody who can look at the details of your case and give you a more accurate estimate.
|Diagnosis||Additional information||Estimated Compensation|
|Severe neck injury||Restricted movement and pain caused by paralysis||up to £130, 060|
|Serious neck injury||Fracture or dislocation leading to ongoing pain and disability||£39,870 to £49,090|
|Moderate neck injury||Soft tissue injury which will resolve.||£12,050 to £21,910|
|Moderate neck injury||Soft tissue injury which causes the exacerbating of a pre existing condition.||£6,920 to £12,050|
|Minor neck injury||A full recovery is expected within a year or two||£3,810 to £6,920|
|Less severe brain damage||Loss of cognitive function||£13,430 to £37,760|
|Severe head injury||Permanent disability caused by brain damage||£192,090 to £247, 280|
|Severe back injury||Restricted movement caused by nerve and spine damage.||£79,890 to £141,150|
|Severe arm injuries||Restricted movement in the arm on a permanent basis||£84,310 to £114,810|
|Severe arm injury||Fracture causing permanent disability||£34,340 to £52,490|
|Moderate arm injury||Ongoing restriction of arm movement.||£16,830 to £34,340|
|Moderate or minor elbow injury||eg.laceration with full recovery||up to £11,040|
|Serious leg injury||Long-term disability||£34,370 to £48,080|
|Less serious leg injury||Chronic pain||£15,750 to £24,340|
Following a road traffic accident, there are a number of things you can claim compensation for, depending on the details of your case. Here are some of the things you may be eligible to receive damages for. Our team will be able to advise you in more depth on what basis you should launch your claim.
Pain and suffering
General damages cover compensation that is difficult to put a financial figure on. It usually revolves around the physical and emotional suffering that an individual has experienced as the result of an accident and subsequent injury. The award for general damages will depend on how severe your injuries or emotional suffering were and how long they are likely to last for. A condition that is life altering will command a higher figure than a superficial injury that is likely to resolve completely.
Special damages cover the aspects of your injury that you can put a financial figure on. If you have been left out of pocket due to medical expenses for treatment or rehabilitation then you can claim these back from the MIB. Be sure to keep all documentation and receipts. Although NHS Treatment is free, there may be additional charges depending on the type of care that you need. Medical expenses include any medication costs.
If you have been subject to out of pocket travel expenses as a result of your accident their needs can also be claimed back from MIB. This can include travel to and from hospital appointments as well as other journeys directly related to your injuries full stop
The MIB is able to compensate you for the repair or replacement of any damage to your vehicle. Be aware however that this process will be simpler if you can claim through your insurance company so this is usually the first channel to try.
Loss of earnings
If following the accident you are too unwell to work due to physical injury or psychological trauma then you may be able to claim loss of earnings if your injuries are so severe that you were unable to work again in the same job then you may have a right to claim for future loss of earnings as well to compensate you for the financial gain that you have lost out on.
Following your injury, you may struggle to complete daily tasks around the home. If you have required help around the home following your injury than the individual who helped you may be able to make a claim for care costs.
The Motor Insurers’ Bureau is an organisation set up to tackle the problem of people driving uninsured. Individuals who are injured or killed by other drivers without valid insurance would not be able to access compensation without the existence of the Motor Insurers’ Bureau. The compensation bill for these injured individuals is covered by the insurance premiums of the law-abiding drivers who do have valid insurance. The Motor Insurers’ Bureau targets drivers without insurance, not least because these are most commonly the vehicles that are involved in criminal activity. Targeting these vehicles and drivers is part of a wider attempt to cut down on criminal activity. The Motor Insurers’ Bureau was set up in 1946. The Road Traffic Act 1988 states that each insurer who provides motor insurance policies must contribute around £30 from each motor insurance policy in the UK.
The Motor Insurers’ Bureau can help you if you have been involved in an accident involving an uninsured driver. The aim of the organisation is to protect the public from financial and physical damage caused by uninsured drivers. Motor Insurers’ Bureau compensation will cover injured drivers for personal harm, property damage or financial loss. Thousands of Motor Insurers’ Bureau claims are made every year due to the unfortunate presence of drivers on the road who choose to disobey the traffic laws and drive uninsured. Every driver is required to have at least a third party insurance but if you are involved in an accident with somebody who does not even have that, then without the Motor Insurers’ Bureau, you could be left out of pocket and without any way of making a claim. The MIB protects injured parties from the potential of facing this problem.
If you are involved in an accident and the other driver failed to provide insurance information or chooses to deliberately withhold any details then this can be a sign that they are in fact uninsured. The MIB can help at this point. You can find out using the ‘ask MIB’ service whether or not the other vehicle was insured. This search is immediate. In order to use the MIB you will need contact details and car details of the other vehicle, ensure that you gather this information before leaving the scene. Any additional information can only help. If the driver of the other vehicle declines to give you this information, then you should inform the police as this is an offence. You should also contact your own insurance company and they too may be able to help trace the other vehicles details. If you have fully comprehensive cover then you can make a claim from your own insurance company for any damages to your vehicle. If someone in the vehicle was injured following the accident, then MIB can help you by funding treatment or rehabilitation. Gather as much evidence as you can at the scene of the accident as this may help you make a claim at a later date. You should always keep any receipts so that you can claim back out of pocket expenses.
We use the term hit-and-run to describe an incident where the driver who is to blame leaves the scene of the accident without stopping to exchange details. It is illegal to hit and run and in most cases, the driver who leaves the scene of an accident has something to hide and is trying to avoid prosecution. Although some people get away with hit and run incidents, these days the prevalence of CCTV footage means that they can often be traced. If the driver cannot be traced they are referred to as an ‘untraced driver’. If they are traced but found not to have insurance then they will be referred to as an ‘uninsured driver’. The MIB hit and run compensation will cover you for your injury if either an untraced or uninsured driver has caused your road traffic accident. The amount of compensation payable depends on the severity of your injury and whether or not the consequences will be suffered long-term.
The MIB will deal with claims for personal injury as well as claims for damage to vehicles and other property. They are likely to begin by offering rehabilitation or treatment but will be able to advise you about what else you can request on receipt of your Motor Insurers’ Bureau claim form. Whiplash is one of the most common injuries suffered following a road traffic accident. Although the MIB will payout for whiplash injuries, it is impossible to give an accurate estimate of how much compensation you may be entitled to receive as it entirely depends on how severe the injury is. A particularly serious whiplash injury can have long-term consequences and in this instance, the payouts will be higher and sometimes more than £100,000. Our team will be able to give you a better idea of your potential MIB claim payout after discussing the details of your case with you.
If you have reason to believe that the other driver involved in the incident is uninsured then there are some steps you can take to ensure that your opportunity for compensation is strengthened. The MIB has a database to find out whether or not a driver is insured. This will give you the definitive answer as to whether or not you will need to use the services of the MIB.
Assuming the driver has stopped to exchange details you should collect their contact information, their registration number and their vehicle make and model. The details of any witnesses can be a great help at a later date. Take any pictures of damage to your vehicle or injury to yourself at the scene as this is important evidence. You should call your insurance company as soon as you can if your vehicle has suffered any damage as your insurance policy will usually cover the costs of repair. The MIB will need to know as much information as possible about any financial losses you have suffered so sitting down to work these out will help your case. Keep receipts and any other evidence that you can as proof. If however, the other driver refuses to exchange details then you can report them to the police as it is a criminal offence to do so.
If the other driver left the scene of the accident without stopping to exchange details then you need to report the incident to the police as this is a criminal act. You may be initially worried that this will result in an inability to claim compensation but fear not, the Motor Insurers’ Bureau is here to help you. You should report the incident to the police within 5 days of it happening but the sooner the better. Use any evidence you can to find out who the driver is, this can include making a note of the make, model and colour of the car as well as the registration number if possible. You should always contact your own insurance company if your vehicle has been damaged and it can sometimes be crucial to your case to gather information and contact details of any witnesses to the incident.
To start with it is worth making our readers aware that it will always be simpler to make a claim with your own insurance company than with the MIB. However, if you have suffered a personal injury and wish to claim compensation from the MIB then you are able to do so, even if your own insurance company will cover you for any vehicle damage. The claims process is not always straightforward so you could do with a legally trained representative on hand to help you decide whether or not you have a viable claim. They can explain what you need to do and documents that you need to prepare in advance of the claim and can fast track your claim once you have decided to launch it. They are able to identify the crucial details in your case and will advise you on the best way to move forward. Legal assistance will help you to achieve the maximum compensation that you are entitled to. Best of all the solicitors we can provide work on a no win, no fee basis so unless your case is successful you don’t owe a penny.
Involvement in a road traffic accident can be traumatic and the paperwork exhausting. Although you may feel that you are entitled to claim compensation for a personal injury you may be put off by the idea of the fees you will need to spend on representation.
Luckily, our no win no fee agreement means that no money is required to change hands prior to the case. With no win, no fee a payment is only owed if you are successful in winning compensation. If for any reason your case is unsuccessful then you don’t owe a thing. We are happy to provide you with a solicitor to help you in your case involving the Motor Insurers’ Bureau that will do so on a no win no fee basis. This means that the claims process is more straightforward and free from financial burden.
Advice.co.uk have an excellent track record in winning compensation claims and have many years of experience in the field of personal injury. We place client care at the heart of our business and do everything we can to make the claims process as straightforward and stress-free as possible. We have lots of experience providing solicitors that are experts in dealing with the Motor Insurers’ Bureau which means that we are best placed to advise you on your case and the kind of documentation you will need to provide. A personal injury solicitor can fast track your case and ensure a successful outcome with the maximum possible compensation payout. Our team are highly professional, yet friendly and we can assure you of an efficient and hassle-free experience.
|Contact our team by email, phone, or post.||Our team will assess your claim.||Once you are ready, we can then start your claim.|
If you would like to benefit from our UK wide expertise in personal injury claims, then call us today on 0161 696 9685 or contact us via our website. We are waiting to hear from you.
MIB – A link to the MIB website.
Government guide on compensation for victims – All about uninsured drivers.
Insurance (Motor) Explanation – An explanation of insurance for motor vehicles.
Car accident claims – Our general car accident claims guide.