By Max Malkovich. Last Updated 6th July 2022. Welcome to our guide to how to claim compensation through the Motor Insurers’ Bureau (MIB).
As a society, we’ve been trained to exchange details with other drivers following a road traffic accident. The main piece of information required is the other driver’s insurance details. But what if they’re not insured? Well, there is a scheme that exists which could mean you may still be able to get compensation by filing a motor insurers’ bureau road traffic accident claim.
This guide looks at making a claim through the Motor Insurer’s Bureau (MIB). We’ll look at the role of the bureau, when you could make a claim via the MIB for compensation, and how much compensation might be paid if your claim is successful.
How Could I Use The Motor Insurers’ Bureau To Make A Road Traffic Accident Claim?
Legal Helpline is able to assist anybody who’s thinking of making a Motor Insurers’ Bureau claim. To support you, our advisers offer free legal advice and a no-obligation assessment of your claim. Following the assessment, if your claim is strong enough, you could be connected with a personal injury solicitor from our panel. If that happens, the solicitor will offer you a No Win No Fee service when representing you.
To discuss your claim right away, please call us on 0161 696 9685.
Alternatively, to find out more about what the Motor Insurers’ Bureau does and when you could claim through them, please continue reading.
Jump To A Section
- A Guide To Road Traffic Accident Claims Through The Motor Insurers’ Bureau
- What Is The Motor Insurers’ Bureau?
- How The Motor Insurer’s Bureau Could Help You
- Could I Claim For A Whiplash Injury Through The MIB?
- Hit And Run Claims Through The Motor Insurers’ Bureau
- Uninsured Driver Accident Through The Motor Insurers’ Bureau
- MIB Payout Examples For 2022
- How Can Special Damages Affect Payout Examples from the MIB?
- Steps To Take If Injured By An Uninsured Driver Or Hit And Run Accident
- Why Choose Legal Helpline For Your Traffic Accident Claim?
- No Win No Fee Road Accident Claims Through The Motor Insurers’ Bureau
- Begin A Motor Insurers’ Bureau Claim
- Road Traffic Accident Resources
A Guide To Road Traffic Accident Claims Through The Motor Insurers’ Bureau
In a normal road traffic accident, you might contact a solicitor to ask them to handle a personal injury claim for you. If it can be proved the other driver was liable for the accident, a claim would usually be made through their insurance provider. However, some drivers break the law and drive without the required insurance. Whether they choose to do so deliberately or not, it makes no difference. If a driver is uninsured, it means you won’t be able to claim through their insurance.
With this in mind, the government introduced the Motor Insurers’ Bureau to protect those who are involved in road traffic accidents caused by uninsured drivers. The scheme provides compensation for vehicle damage, personal injuries, and other financial losses caused by a road traffic accident.
How to claim through the Motor Insurers’ Bureau
This guide about making a claim through the Motor Insurers’ Bureau looks at the process of claiming, the criteria involved, and what compensation you might be awarded in a successful claim.
Something to bear in mind is that the MIB time limit for claiming is the same as that associated with personal injury claims filed in the UK. That means, in normal circumstances, you’ll have 3 years to file your claim which starts from the date of the accident.
We answer some of the most common questions about claims via the MIB including:
- How long do motor Insurers bureau claims take?
- How do I claim through the MIB?
- Why is a claim made through the MIB taking so long?
When you’ve finished reading our guide, you can contact an adviser if you have any further questions. You can also get in touch if you’re ready to begin a claim via the MIB. To do so, please use the number at the top of the page.
What Is The Motor Insurers’ Bureau?
The MIB’s aim is to reduce the number of uninsured drivers in the UK. The Motor Insurers’ Bureau work in conjunction with the police and DVLA to achieve this. They maintain an insurance database which the police use to check that a vehicle is insured and also provides a scheme to pay compensation to victims of uninsured drivers.
The Road Traffic Act 1988 states that all motor insurance companies must be members of the MIB and contribute to it financially. They don’t do this for free.
As well as dealing with claims for uninsured drivers, untraceable drivers can be claimed against through the Motor Insurers’ Bureau too. That means that if you’re injured in a hit and run accident, you could be entitled to seek compensation through the scheme.
The MIB also allows drivers to check that their insurance is still valid which is important because if you drive without insurance it could lead to the following:
- Monetary penalties
- Have your vehicle seized and face a £160 to get it released
- Be disqualified from driving by a court and face an unlimited fine
- Face more expensive motor insurance premiums
- Receive 6 penalty points on your driver’s licence
How The Motor Insurer’s Bureau Could Help You
The Motor Insurers’ Bureau accident claim process can be used for accidents caused by uninsured drivers or untraceable drivers.
How to claim through the Motor Insurers’ Bureau
We always recommend using a specialist solicitor to help with claims to help ensure your claim is accepted and that you receive the right level of compensation for the injuries you sustained. Our panel of solicitors has the experience required to ensure you are awarded the right level of compensation because once a claim is settled, you can’t go back and ask for more. The whole point of compensation is to try and help you recover physically, psychologically and financially. Therefore, if you forget to include something in your claim, and settle for too little, you might lose out later on.
The process of claiming through the MIB starts by completing a claims form which provides details of your accident, what happened and what you’re claiming for. Once received, the MIB will conduct an investigation which involves the following:
- Trying to establish what happened
- Making sure they know who was involved
- Obtaining witness statements or engineer’s reports
- Contacting the police for their report
- Requesting information from your insurer and the DVLA
- Obtaining medical records and independent reports for personal injury claims
The amount of work carried out by the MIB is quite high but they try to make a decision within 3 months of receiving an application submitted to them. In some cases, it can be less but it could also take longer depending on the complexity of the case. One factor that can delay a claim is the length of time it takes to obtain necessary police reports. Generally, the police can’t release a report until an investigation is complete.
Could I Claim For A Whiplash Injury Through The MIB?
Whiplash injuries are one of the most commonly reported injuries sustained in a road traffic collision. They can occur in high or low-speed collisions. According to this NHS article, whiplash occurs as the result of a sudden movement of the head. In car crashes, it can happen because the body is secured by the use of a seat belt. When a collision occurs, the body is restrained but the impact could force the head forwards and then backwards violently.
The MIB can provide compensation for personal injury claims, as such you could ask for whiplash injuries to be included in a claim for compensation. Proving that you’ve sustained whiplash can be challenging which is why it is important to get copies of medical records from a GP or hospital where you were treated. These records will show the extent of your injuries, what treatment was provided, and also any advice a medical professional provided.
Hit And Run Claims Through The Motor Insurers’ Bureau
The definition of a hit and run collision is when a car crash happens and one of the vehicles involved fails to stop. Under the Road Traffic Act 1988, this is an offence. While the police might look for the other driver, if they fail to do so, you might struggle to make a personal injury claim because there’s no one to claim against.
However, if you report the incident to the police, try to identify the driver yourself by providing details of the number plate of the other vehicle involved and the make and model of their car. This could entitle you to claim compensation through the MIB scheme.
Reasons why a driver may not stop include:
- Didn’t realise they’d been involved in an accident
- Knew they were uninsured and could be prosecuted
- Were under the influence of alcohol or drugs
- Driving a stolen car
Whatever the reason, if a driver can’t be identified and they were at fault for an accident in which you were injured, we could help you claim compensation through the MIB. Get in touch today and our advisors can give you the guidance you are looking for.
Uninsured Driver Accident Through The Motor Insurers’ Bureau
You could be entitled to seek compensation through the MIB if you sustained injuries in a road traffic accident caused by an uninsured driver. However, there are some circumstances where the bureau might direct you back to your own insurer.
Where possible, you should try to obtain as much evidence at the scene of the accident. This includes the driver’s details, what car they’re driving, the number plate and details of any witnesses. You should also inform the police of the accident and the fact of the driver’s lack of insurance.
If you would like advice on when you can make a claim or how to claim through the Motor Insurers’ Bureau because of an uninsured driver, please get in touch with our team today.
Can Claim Compensation Through The MIB For Hit And Run Accidents?
If you have been involved in a hit and run accident, this means that the vehicle that caused your injuries fled the scene shortly after. You may also be able to make a claim through the MIB in this instance. Even if the driver was insured, the inability to trace them could otherwise lead to you being unable to claim against them.
Therefore, hit and run accidents are another reason the MIB exists. Compensation through the MIB can be calculated the same way as if awarded through the at-fault party’s insurance company. If the driver is then tracked down after the MIB has awarded you your compensation, the MIB may pursue the driver to reimburse them for the amount awarded to you.
The rate of hit and run accidents can change year by year. The number of reported cases* in England and Wales rose from 19,239 in 2013 to 28,010 in 2017.
MIB Payout Examples For 2022
You may be wanting to know more about potential MIB payout examples. The MIB use the Judicial College Guidelines (JCG) to help determine how much compensation you’re owed. Every claim is unique, meaning that the amount you could receive may differ to the figures below for many different reasons.
The JCG have analysed previous payouts for general damages to build compensation brackets. These figures have been taken from the most up-to-date guidelines available, published in April 2022.
Injury Type Severity Range Notes
Arm Severe £96,160 to £130,930 In this scenario, the claimant's arm won't be amputated but the outcome will be the same as if it had been.
Arm (d) £6,610 to £19,200 This bracket covers simple fractures of the forearm.
Leg Very Serious £54,830 to £87,890 These injuries will lead to serious mobility problems. The claimant might need mobility aids or crutches for the rest of their life. Also, this bracket covers multiple fractures that have taken years to heal.
Leg Less Serious (i) £17,960 to £27,760 Fractures or serious soft tissue injuries with incomplete recovery such as fractures that cause a limp or impaired mobility.
Ankle Severe £31,310 to £50,060 Ankle injuries where plates, screws and pins have been used in surgery. The claimant will have needed a plaster cast for a very long period.
Shoulder Severe £19,200 to £48,030 Usually associated with neck injuries that involve brachial plexus damage.
Back Moderate (i) £27,760 to £38,780 Injuries such as crush fractures of the lumbar vertebrae which cause a substantial risk of osteoarthritis, discomfort and constant pain.
Neck Moderate (iii) £7,890 to £13,740
Injuries that may have accelerated or exacerbated a pre-existing condition, normally for less than five years.
Wrist (e) In the region of £7,430 Simple fractures of the wrist such as a Colles' fracture.
Neck Minor (iii) Up to £2,450 This bracket is for soft tissue injuries that take up to 3-months to heal with no surgery required.
As we mentioned earlier, general damages are calculated on a case by case basis. This means that the amount of compensation you could receive can rely on circumstances such as:
- The severity of your injury
- The extent of your treatment and recovery
- How negatively the injury has affected you
- Whether any permanent health issues or symptoms have been caused
An important part of calculating these is often an independent medical assessment. If you choose to hire a solicitor, they can arrange this for you during the claims process. During this assessment, an independent medical professional will assess your injuries and form an official report. This report can then be used as evidence to support your case. It can also be used to help when calculating the value of your claim.
The table above only provides estimated examples of MIB payouts in 2022. If you would like to find out more about MIB payout amounts, or if you are interested in beginning a claim via the MIB please contact us for free legal advice using the above details.
How Can Special Damages Affect Payout Examples from the MIB?
General damages isn’t the only type of compensation you can claim through the Motor Insurers Bureau (MIB) as part of a personal injury claim. You could also be eligible to claim special damages, which relate to the losses you suffer financially because of the injury.
Losses you could claim for include:
- Travel expenses: If you’re unable to drive due to the injury, you could claim for the costs of taxis or public transport. You could also claim for the parking and fuel costs associated with going to GP or hospital appointments.
- Loss of earnings: The injury could lead to you being unable to work. As such, you could claim for loss of earnings to make up for the lack of wages you would be receiving. If your work capacity is permanently affected, you could claim for future loss of earnings.
- Care costs: If you need private, professional help, such as a nurse or a cleaner, because you’re unable to perform everyday activities, you could claim for these costs.
- Medical costs: For instance, you could claim for the prescription costs associated with the injury.
You would need financial evidence, such as invoices, receipts, payslips and bank statements, to claim successfully for these types of losses. This is because you need to prove the value of the losses. To learn whether you can claim or to see what you need to do to give you the best chance of MIB claim success, please contact us for free using the above details.
Steps To Take If Injured By An Uninsured Driver Or Hit And Run Accident
To win a Motor Insurers’ Bureau personal injury claim, you’ll need to provide evidence of what happened. Therefore, following an accident in which the driver left the scene or wasn’t insured, you should:
- Make a note of the other vehicle. Ideally, get the number plate, make and model of the vehicle. If the driver remains, ask for their details too
- Report the accident to police. A police reference number will be provided
- Seek medical treatment for your injuries. Any medical records can be used to prove the extent of your injuries and the treatment provided
- Ask any witnesses for their details. Also, dashcam footage can be used to show how the accident occurred
- Photograph the scene of the accident. Where it’s safe to do so, try to do this before any vehicles are removed
- Keep hold of any receipts linked to costs incurred by the accident
- Take photos of any visible injuries
Why Choose Legal Helpline For Your Traffic Accident Claim?
Hopefully, the information we’ve provided in this guide has helped you decide that you should choose Legal Helpline to help you file a claim through the MIB. However, in case you require any more information, here are some more reasons:
- We operate a 24-7 claims line so you can call whenever it’s best for you
- Our advisers provide completely free legal advice about the claims process
- We offer a completely free, no obligation assessment of any claim
- Some of the solicitors on our panel have been making personal injury claims for nearly 30 years
- If your claim is taken on, your solicitor will provide regular updates
- The solicitors on our panel always try to ensure you receive the maximum amount of compensation
No Win No Fee Road Accident Claims Through The Motor Insurers’ Bureau
We know that new claimants often worry about the cost of hiring a solicitor to claim through the Motor Insurers’ Bureau. Whether your claim is for a hit and run accident or against an uninsured driver, the solicitors on our panel could help reduce the financial risks involved by working on a No Win No Fee basis.
After they’ve assessed your claim, and if they decide to take it on, you’ll be given a Conditional Fee Agreement (CFA) to review. This document is your contract with the solicitor. It will contain some key pieces of information including:
- The level of success fee you’ll pay if the solicitor wins the claim
- A statement to confirm that you don’t need to pay the solicitor’s fees should the claim be lost
Success fees are paid to cover the solicitors time and effort if compensation is paid. So that you don’t have to send money to pay the fee, the success fee will be deducted from your compensation before it’s paid to you.
Begin A Motor Insurers’ Bureau Claim
Now that you’ve come to the end of our guide about making a claim through the Motor Insurers’ Bureau, we hope you’re now ready to begin. We also hope that you’ve chosen Legal Helpline to help begin. If so, here are the best methods of contacting us:
- You can call a specialist adviser on our claims line by dialling 0161 696 9685
- You could ask for a call back by completing our online enquiry form
- Or, finally, you can chat online to an adviser by using our live chat facility
When you make contact with us, we’ll look at your claim and the evidence you have to support it. Should the claim be strong enough to continue, we could connect you with one of the personal injury lawyers on our panel. If they agree to take your claim forwards, then they’ll work on a No Win No Fee basis. If the claim is not quite ready to proceed, you’ll receive free legal advice on what options are available.
Road Traffic Accident Resources
Thanks for reading this guide about how to claim through the Motor Insurers’ Bureau. To help you further, we’ve provided some links to some external resources as well as some more of our guides. If you require any further information, please don’t hesitate to call.
Road Accident Statistics – The UK government’s latest accident statistics including casualties, drink drive figures and hospital admission figures.
Brake – Road Safety – Brake is a UK-based road safety charity that campaigns for new safety initiatives.
Check out more of our car accident claims guides below:
- Road traffic accident compensation claims
- Claiming for tinnitus after a car accident
- Passenger injury claims
- How to claim for nerve damage after a car accident
- How long after a car accident can you claim compensation?
- Stolen car accident claims
- I was hit by a stolen car, can I claim compensation?
- I had a car accident without wearing a seatbelt, can I still claim?
- Child car accident claims
- Car accident caused by mud on the road
- How to claim compensation for a back injury after a car accident
- Tennis elbow after a car accident
- How to claim compensation for anxiety after a car accident
- I was hit from behind in a car accident, can I claim whiplash?
- Roundabout car accident claims
- I was hit from behind in a car accident, do I need to pay my insurance excess?
- How to make a fatal road accident claim
- How to claim for road traffic accidents caused by animals
- Merging into traffic accident claims
- Motor vehicle injury claims
- Taxi accident claims
How to Claim through the Motor Insurers’ Bureau FAQs
Should I accept the first offer of compensation?
If you believe the first offer adequately compensates you for all you have suffered (including injuries and financial damage), then you could accept the first offer. However, we don’t usually recommend you settle before you’ve had a medical assessment, which is sometimes known as a pre-medical offer.
How long does compensation take to pay out?
According to the MIB’s guide to claiming, it can take up to three months or longer to reach a decision for your claim. If a decision is reached in your favour, you may then receive compensation. Interim compensation payouts may also be arranged under certain circumstances while you wait for a decision to be reached.
What to do if someone refuses to give insurance details?
If someone refuses to give their insurance details after causing an accident and injuring you, try to get their vehicle registration number. Tell your insurance company and provide them with the number and also advise the police. You could still make a claim if they refuse to provide their details. Call us to find out how.
Thank you for reading our guide on how to claim through the Motor Insurers’ Bureau (MIB).
Article by BH