By Stephen Burke. Last updated 13th May 2022. In this guide, we’ll explore how you can claim compensation through the Motor Insurers’ Bureau (MIB). 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 personal injury claim.
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 is untraceable.
Motor Insurers’ Bureau compensation may pay out damages for any personal injuries sustained as a result of a road traffic accident that someone else’s negligence caused. The process may seem complex but our expert panel of solicitors could 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
- A Guide On Making A Motor Insurers’ Bureau (MIB) Claim
- MIB Payout Amounts
- MIB Payout Examples For 2022
- What Is The Motor Insurers’ Bureau?
- What Does The Motor Insurers’ Bureau Do?
- MIB Claims Against Uninsured Drivers
- MIB Hit And Run Accident Claims
- Can I Make A Motor Insurers’ Bureau Claim For Whiplash?
- 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 Claim Compensation Through The MIB?
- No Win No Fee Motor Insurers’ Bureau Compensation Claims
- How We Can Advise You On Your Next Steps
- Contact Us For More Information On Claiming Compensation Through The MIB
- 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 a road traffic accident then between our own insurance company and the insurance company of the other driver, we may 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 may be a little more complicated. An organisation called the Motor Insurers’ Bureau (MIB) was put into place to provide compensation to victims of car accidents involving uninsured or untraceable drivers.
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. For instance, you might have suffered a head injury in a car accident,
Although you may wish to use a Motor Insurers’ Bureau compensation calculator to get an idea of the amount of compensation you may receive, they don’t always give accurate information.
When valuing your personal injury claim settlement, various factors will be considered, including the severity of your injuries. Medical evidence you provide in support of your claim may be used to determine the full extent of your condition.
Alongside this, the Judicial College Guidelines may also help to value your claim. The guidelines set out bracket figures of compensation for different injuries. We have used these guidelines to create the table below.
Please only use these figures as a guide.
|Injury||Additional information||Compensation Bracket|
|Moderately severe brain damage||The injured person is very seriously disabled.||£219,070 to £282,010|
|Less severe brain damage||A good recovery is possible||£15,320 to £43,060|
|Severe neck injury (i)||Restricted movement and pain caused by paralysis||In the region of £148,330|
|Severe neck injury (ii)||Fracture or dislocation leading to ongoing pain and disability||£45,470 to £55,990|
|Moderate neck injury (ii)||Soft tissue injury which will resolve.||£13,740 to £24,990|
|Moderate neck injury (iii)||Soft tissue injury which causes the exacerbating of a pre existing condition||£7,890 to £13,740|
|Severe arm injuries||Restricted movement in the arm on a permanent basis||£96,160 to £130,930|
|Less severe arm injury||Injuries will have caused significant disabilities but substantial recovery can take place||£19,200 to £39,170|
|Very serious leg injury||Permanent problems with mobility||£54,830 to £87,890|
|Less serious leg injury||(i) Fractures or serious soft tissue injuries from which an incomplete recovery is made||£17,960 to £27,760|
|Moderate or minor elbow injury||Applies to many injuries that don't cause permanent damage.||Up to £12,590|
If you can’t see your injury listed, we suggest that you contact us. An advisor can look at the details of your case and give you an accurate estimate.
If you have strong grounds to claim for a road traffic accident, then there are several things you could potentially receive compensation for. It depends on the details of your case. Our team will be able to advise you in more depth on what basis you should launch your claim.
Generally, each claim may see you claim for two categories of damages. These are known as general and special damages. It is usually only possible to claim for special damages if you’re eligible to receive compensation for general damages. We have explored these in more detail below.
General damages cover physical and emotional suffering that an individual has experienced as the result of an accident. The award for general damages will depend on how severe your physical or psychological injuries are and how long they are likely to last.
A condition that is life-altering may result in a much higher figure than a superficial injury that is likely to heal fully in a short period of time. For more information on how MIB payout amounts are calculated, call our team.
Compensation for special damages may be provided to cover for financial losses which can be directly linked to your accident and subsequent injuries. Examples may include lost earnings due to having to take unpaid time off work or travel costs you’ve accumulated to receive medical treatment. You will need to provide evidence of these monetary losses, such as receipts and payslips.
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 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 third party insurance but if you are involved in an accident with somebody who does not even have that, you could seek compensation through the Motor Insurers’ Bureau.
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.
If you’d like to find out more about MIB payout amounts available when making a claim through the MIB, call our team on the number above.
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.
For MIB payout examples relating to hit and run accidents, get in touch with an advisor by calling the number above.
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 describes a range of soft tissue injuries that you could sustain following a road traffic accident. If you developed a whiplash injury following an accident caused by a negligent uninsured or untraceable driver, you may seek compensation through the MIB.
What Is The Average MIB Payout For Whiplash?
Although the MIB may provide a whiplash payout, 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.
The compensation awarded for a particularly serious whiplash injury that has long-term consequences may vary greatly compared to compensation awarded for a minor injury that someone fully recovers from.
Our team will be able to give you a better idea of potential MIB payout examples 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.
If the accident has caused damage or injury, you should report the incident to the police within 24 hours of it happening.
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.
For further information on seeking compensation through a MIB claim for a hit and run accident, call our team.
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 personal injury compensation that you are entitled to. Best of all the solicitors from our panel work on a No Win No Fee basis so you don’t have to pay an upfront fee before any work is started on your case.
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 upfront. Additionally, No Win No Fee agreements, you will only pay a success fee if your claim wins.
If for any reason your case is unsuccessful then you don’t need to pay a success fee to your solicitor.
We are happy to provide you with a solicitor from our panel to help you in your case involving the Motor Insurers’ Bureau that will do so on a No Win No Fee basis.
Here at Advice, we 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 with experience handling claims made through the MIB could help you get the compensation you deserve. Our team are highly professional, yet friendly and we can assure you of an efficient and hassle-free experience.
If you would like to benefit from our UK wide expertise in personal injury claims, then call us today on 0161 696 9685.
Alternatively, please fill out the online contact form with your query.
An advisor can provide further clarification on how you can claim compensation through the MIB.
NHS Conditions– If you need any medical advice, visit the NHS website.
Compensation After An Accident Or Injury– Visit this government guide to find out more about seeking compensation for your injuries.
The Highway Code – Visit the online version of the Highway Code for guidance on your duty of care as a road user.
Car accident claims – Our general guide to making a personal injury claim for injuries sustained in a car accident.
Cycling Accident Claims – A useful guide on claiming compensation following a cycling accident.
Can I Claim As A Pedestrian Who Was Hit At A Junction? – This guide will help you understand whether you’re eligible to make a pedestrian accident claim.
Motorcycle Accident Injury Claims – A helpful guide to seeking compensation after a motorcycle accident.
How To Claim Compensation As A Passenger In A Car Accident – See this helpful guide on passenger accident claims.
Claim Compensation Following An Accident At A Zebra Crossing – This helpful guide explores whether you’re eligible to claim for your injuries after a pedestrian accident.
If you have any additional questions on how to claim compensation through the Motor Insurers’ Bureau or about MIB payout amounts, call our team on the number above.