Guide On How To Claim Through The Motor Insurers’ Bureau (MIB)

By Danielle Graves. Last Updated 11th December 2023. If you’ve been injured by an uninsured driver, you could be entitled to compensation by making a claim against the Motor Insurers’ Bureau (MIB). 

How to claim through the Motor Insurers' Bureau.

How to claim through the Motor Insurers’ Bureau

Below, we look at how the claims process works and how we can help you.

We provide MIB payout examples, advice on evidence that can help you prove your claim, and how you can take advantage of our No Win No Fee service to get the compensation you deserve.

To discuss your claim or to get free advice, call us on 0161 696 9685

You can also speak with us now by using our live chat box

Alternatively, to find out how to claim through the Motor Insurers’ Bureau, continue reading our guide.

Jump To A Section

  1. MIB Payout Examples
  2. What Else Can You Include In An MIB Payout?
  3. What Is The Motor Insurers’ Bureau (MIB)?
  4. Hit And Run Claims Through The Motor Insurers’ Bureau
  5. Uninsured Driver Accidents And The MIB
  6. How To Prove An MIB Claim
  7. How Long Do I Have To Make An MIB Claim?
  8. Make A No Win No Fee Claim Today
  9. Learn More About Road Traffic Accident Claims

MIB Payout Examples

You may be wondering how much compensation you could receive if you make a successful claim through the Motor Insurers’ Bureau. Each claim is treated on a case-by-case basis, and many factors can influence the final compensation awarded.

Payout amounts for MIB claims could consist of general and special damages. General damages compensate you for the pain and suffering you have endured due to your injury.

The table below shows some of the amounts listed in the 16th edition of the Judicial College Guidelines (JCG). Many legal professionals will refer to this document when valuing claims as it lists compensation guidelines for various injuries.

Please only refer to this table as a guide. Also note that the first and last two entries in this table are not based on the JCG.

Injury TypeSeverityRangeNotes
Multiple Serious Injuries Plus Special DamagesSeriousUp to £1,000,000+A road traffic accident that has caused multiple serious injuries could lead to a compensation payout that covers all of these plus related special damages, such as the cost of home care.
Brain and Head InjuryVery Severe£282,010 to £403,990Injuries to the brain and head covered under this bracket will leave the victim requiring full-time nursing care. There will be little, if any, meaningful response from the victim to the surrounding environment.
Arm InjurySevere£96,160 to £130,930In this scenario, the claimant's arm won't be amputated but the outcome will be the same as if it had been.
Leg InjuryVery Serious (b) (ii)£54,830 to £87,890These 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 InjuryLess Serious (c) (i)£17,960 to £27,760Fractures or serious soft tissue injuries with incomplete recovery such as fractures that cause a limp or impaired mobility.
Ankle InjurySevere£31,310 to £50,060Ankle 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 InjurySevere£19,200 to £48,030Usually associated with neck injuries that involve brachial plexus damage.
Back InjuryModerate (i)£27,760 to £38,780Injuries such as crush fractures of the lumbar vertebrae which cause a substantial risk of osteoarthritis, discomfort and constant pain.
Whiplash TariffWith a psychological injury£4,345The claimant suffers with whiplash alongside a minor psychological injury lasting 18-24 months.
Whiplash TariffWithout a psychological injury£4,215The claimant suffers with whiplash symptoms for 18-24 months.

The way whiplash injuries are valued changed when the Whiplash Injury Regulations 2021 were brought in. Whiplash injuries will be valued according to a set tariff found in the legislation. These are fixed amounts.

What Else Can You Include In An MIB Payout?

When seeking MIB payout amounts in a road traffic accident claim, you could be eligible to claim special damages. This head of claim accounts for any financial losses you have endured or expect to endure as a result of your car accident injuries.

Below are some examples of special damages:

  • Following a motor vehicle injury, you may need to take time off work to recover and therefore suffer a loss of earnings. Payslips could help you claim this.
  • If your injury requires you to pay for a prescription, you may be compensated for this loss if you keep hold of your receipts.
  • A car accident may leave your vehicle destroyed. Whilst you wait for your car to be replaced or repaired, you may spend money on travel. Travel expenses could be reimbursed if you keep hold of any tickets or receipts.

For free advice on how to prove special damages in an MIB claim, speak to our advisors today. They could also provide you with information on other topics, such as MIB payout examples.

What Is The Motor Insurers’ Bureau (MIB)?

When we use the roads, we owe each other a duty of care to navigate them in a way that prevents injury and damage, both to ourselves and other road users. To uphold this duty, road users need to adhere to the Road Traffic Act 1988 and relevant rules and regulations found in the Highway Code. If you are injured because another driver failed to adhere to this duty, you could be eligible to make a personal injury claim.

However, you may wonder how you could be awarded compensation if the other driver was uninsured or you suffered injuries in a hit-and-run accident. The Motor Insurers’ Bureau (MIB) pays out compensation in these cases. The MIB works with motor insurance companies, the police and the DVLA to reduce the number of uninsured drivers and untraced drivers on the road.

As with all road traffic accident cases, MIB claims must meet the same eligibility criteria. This means that you must be able to prove that your injuries were caused by another road user breaching their duty of care.

If you have any questions about making an MIB claim or the success rate, speak with an advisor from our team. They could also provide MIB payout examples.

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 make a personal injury claim for compensation through the MIB scheme.

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 Accidents And The MIB

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.

If you would like advice on when you can make a personal injury claim or how to claim through the Motor Insurers’ Bureau because of an uninsured driver, please get in touch with our team today.

Evidence To Support MIB Claims

If you are eligible to seek car accident compensation, you will need to collect sufficient evidence to support your claim. This must show that you suffered injuries when another road user breached their duty of care.

Some examples of the evidence that could help support your claim include:

  • The contact information from anyone who witnessed the accident so they can give a statement later in the claiming process.
  • A police report.
  • Photographs from the scene or damage to your vehicle.
  • A copy of your medical records that state the nature of your injury along with what treatment was needed.
  • Video footage of the accident, such as from a dashcam.

If you have any questions about evidence that could support MIB claims, please get in touch with one of our advisors.

how to claim through the motor insurers bureau

Advice for MIB claims

How Long Do I Have To Make An MIB Claim?

Under the Limitation Act 1980, you will generally have three years to start your claim for MIB compensation. This runs from the date of the accident that caused your injuries.

However, there are some exceptions to this rule. For example, for claimants under the age of eighteen, the time limit is paused until their 18th birthday. While the limit is paused, a court-appointed litigation friend could make a claim on their behalf. If a claim has not been made by the injured party’s 18th birthday, they will have three years to start one.

The time limit is frozen indefinitely for those who lack the mental capacity to claim for themselves. Should they recover the capacity to claim, the time limit restarts on the date of recovery. Otherwise, a litigation friend could make a personal injury claim on their behalf.

To find out if you are within the correct time limit to claim, or to learn more about the MIB claim process, you can contact our advisors.

Make A No Win No Fee Claim Today

We know that new claimants may worry about the cost of hiring a solicitor for a personal injury 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.

You could be offered a funding arrangement known as a Conditional Fee Agreement (CFA). This means that your solicitor will generally not take a solicitor’s fee upfront. If your MIB claim is successful, a legally capped success fee will be taken from your award. However, if your MIB claim does not succeed, you will not be required to pay your solicitor.

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.

Learn More About Road Traffic Accident Claims

Thanks for reading this guide about how to claim through the Motor Insurers’ Bureau.

Check out more of our car accident claims guides below: