By Jo Jeffries. Last Updated 8th August 2022. This is a guide to making a Motor Insurer’s Bureau (MIB) claim if you were in a car accident with an uninsured or untraceable driver. This guide includes an MIB compensation table and looks at top tips for making an MIB claim and MIB payout amounts. Below, you will find MIB payout examples for UK claims.
Road traffic accidents happen every day in the UK. Victims suffer a wide range of injuries, from minor whiplash to severe brain injuries. Unfortunately, such accidents are made even worse when an uninsured driver or an untraced driver is involved.
If the person who has caused the accident did not have the required insurance or they fled the scene, you will still be able to make a claim. You will make your claim to the Motor Insurers’ Bureau.
At Accident Claims, we have many years of experience in helping personal injury victims to get the compensation they deserve. We will conduct a MIB claim review to give you a realistic picture of your chances of securing compensation, as well as an overview of how much money you could receive. With our experience, you can rest assured that your claim is in safe hands. Read on to discover everything you need to know about the Motor Insurers’ Bureau compensation calculator. For more information on No Win No Fee Motor Insurers’ Bureau claims, and to see if you are entitled to claim you can also call us on 0800 073 8801.
Choose a Section
- What is the Motor Insurers’ Bureau?
- A guide to claiming for Motor Insurers’ Bureau compensation
- An overlook of the Motor Insurers’ Bureau
- What should you do after being injured in a hit and run
- Steps to take if an uninsured driver has caused an accident and you have been hurt
- What costs does the MIB cover in an MIB claim?
- How to start a claim for compensation using the Motor Insurers’ Bureau
- What can you claim for when making a claim using the Motor Insurers’ Bureau?
- MIB Payout Examples For 2022
- What is the average MIB payout for whiplash in Motor Insurers’ Bureau Claims?
- Motor Insurers’ Bureau claims – Making an MIB claim on a No Win No Fee Basis
- Reasons you should choose us when making Motor Insurers’ Bureau claims
- Call us today for free advice and to make a Motor Insurers’ Bureau Claims
Before learning about using the Motor Insurers’ Bureau compensation calculator, let’s learn what the MIB is. In the UK in 1946, the Motor Insurers’ Bureau (MIB) was founded. This is an organisation that compensates the victims of accidents involving untraced and uninsured drivers.
All motor insurance companies are required to contribute to the MIB. Also, if an untraceable driver is found after the MIB has already made a payout, they can then claim back the payout amount from the driver at fault.
If you have been involved in an accident with an uninsured or untraced driver, our guide to Motor Insurers’ Bureau claims involving an uninsured driver claim or an untraceable driver claim will give you all of the answers you need. You will find information on what the Motor Insurers’ Bureau does, as well as advice on the steps to take after your accident and how to go about making a claim. We will also provide details on the untraced driver agreement. We even offer guidance on MIB payout examples and the average MIB compensation amounts, how long MIB claims can take, and using a Motor Insurers’ Bureau compensation calculator. If you still have any questions by the end of the guide, you can get in touch with us at any time.
The Motor Insurers’ Bureau is an organisation that awards compensation to individuals that have been involved in a road traffic accident with a driver that was not insured or fled the scene. This is a serious issue. Every year, thousands of people in the United Kingdom are killed or injured due to drivers that do not have the correct insurance or are uninsured altogether. Not only this but also these vehicles are more likely to be involved in collisions, as uninsured vehicles are continually utilised to conduct wider criminal activity. This is why the MIB works hard to crack down on uninsured drivers.
If you do not have suitable motor insurance in place, you will be liable for the cost of any accident that occurs, as well as any expenses relating to the claim. You could also have six penalty points added to your license, be subject to higher insurance premiums, incur a £150 fee to release your car, face court prosecution, have your vehicle seized, and get a Fixed Penalty of £300.
According to the MIB, there has been a rise in the number of uninsured drivers on the roads. In the past 12 months, there has been an increase in claims made against uninsured drivers by roughly ten per cent.
If you have been involved in an accident with a driver that has fled the scene, you may be worried that you will not be able to make a claim. Motor Insurers’ Bureau claims will be able to help with hit and run accidents though.
Other Steps To Take Before An MIB Claim
Make sure you take the following steps too:
- Report the incident to the police – Make sure you do this as soon as possible. You need to report the incident within five days.
- Make enquiries – Make an effort to see if you can determine who the driver of the vehicle is.
- Contact your own insurance company – If your vehicle has been damaged, it is important to contact your insurer.
- Get witness contact information – Get the contact details of anyone that witnessed the accident.
If you have been involved in an accident with a driver who is not insured, take the following steps to give yourself the greatest chance of securing the maximum compensation that is available to you:
- Make enquiries to determine whether the motorist is insured or not – You can use the MIB database to find out whether this is the case.
- Gather details about the driver and the vehicle – You should get the driver’s contact information, as well as making a note of the vehicle make, model, and registration plate.
- Get the contact information of any witnesses – Witness statements are extremely effective in boosting compensation claims.
- Take photos – If there is any damage to the scene, it is a good idea to take a few photographs using your smartphone.
- Call your insurance company – If there has been any damage to your vehicle, it is important to call your insurance company to make a claim for the repair.
- Collect as much information as you can regarding your financial losses – Make a record of all financial losses you have encountered due to the accident, and keep proof of them too. This includes any legal costs during the claims process.
What should you do if the driver did not give you their details? If the driver of the other vehicle has refused to give you their details, you should launch a formal complaint to the police. It is a criminal offence to refuse to give insurance details.
Want more information on MIB Payout Examples?
If you’d like more information on a Motor Insurers’ Bureau compensation calculator, get in touch with our team today. We could give you examples of MIB payout amounts we’ve been able to achieve for our clients.
MIB payouts cover all types of road traffic accidents. This includes accidents involving HGV vehicles, pedestrians that have been hurt in road traffic accidents, van accidents, motorcycle incidents, cycle accidents with another road vehicle, and car accidents.
The Motor Insurers’ Bureau will pay out compensation for anything that would typically be covered by a motor insurance policy, for example, the suffering and pain your injuries have caused and vehicle damage. You can also claim for adapting your car and home to meet your needs, for example, installing a stairlift and wheelchair ramps, loss of earnings, and any over financial costs you have suffered due to your injuries.
For more details about what can be included in MIB payouts, call or contact our team today.
The MIB claim process is straightforward when you work with Accident Claims. When you make contact us, we will provide you with a no-obligation consultation, free of charge. This will include us querying about what happened to you. This is nothing for you to worry about; it is only so we are able to provide accurate and effective advice. It also gives you the chance to ask any queries you have, be it about the MIB untraced drivers agreement or how much an MIB first offer could be.
The MIB handles more than 20,000 claims every year against untraced motorists and uninsured motorists. Their website contains plenty of useful information, including the Motor Insurers’ Database. This is the only central database in the UK for insured vehicles.
We also often get asked: If I make a MIB claim how long will it take? The process of claiming MIB compensation does differ from claim to claim. Some cases are a lot easier than others, but we will always endeavour to get your claim resolved as quickly as we can.
If you’d like more information on the MIB claim process, or MIB payout amounts then you can continue reading or get in touch with our team today for free legal advice.
Top tips for making an MIB claim
According to the MIB guide to making a claim, there are a few things you can do to make your claim run smoother and help with the success of an MIB claim.
- Start your claim as soon as possible – any delay could invalidate your claim
- Gather as much evidence as possible before getting in contact – this could reduce the time it takes to process your claim
- Gather copies of documents obtained from the other driver, if applicable
For further information on how to make your MIB claim a success, get in touch with our advisors at any time. They can offer free legal advice on MIB claims and could appoint a solicitor to guide you through the process.
MIB payout amounts could include:
- Vehicle damage
- General damages (your injuries)
- Medical expenses
- Loss of income
- Care claim (if you have required help around your home while you recovered, the person that has assisted you will be able to claim)
If you’d like to know more about what can be included in Motor Insurers’ Bureau claims, give our team a call today.
There are many factors that must be considered when determining MIB (sometimes wrongly referred to as the Motor Insurance Bureau) compensation amounts. As such, it can be difficult to provide accurate average MIB payout examples. Every claim is valued individually, with consideration given to circumstances such as:
- The extent of your injuries
- The time it will take for you to recover
- The cost of your treatment
- The level of treatment you require – for example, you may require extensive or invasive surgeries or lifelong physical therapy
- Loss of future earnings
- Additional financial costs – this could include childcare costs, travel expenses and domestic help.
You can find some examples of what you could receive in compensation in the table below, with figures from the 2022 edition of the Judicial College Guidelines (JCG). Please only use these as a guide because your actual settlement will differ to what is listed in the table.
|Injury sustained||Typical payout amount||Extra notes|
|Very severe brain damage (a)||£282,010 to £403,990||For these cases, the person who has been injured will usually not have any response to their environment. The exact payout will be based on numerous factors, ranging from the person's physical limitations to how much insight they have.|
|Moderately severe brain injury (b)||£219,070 to £282,010||The claimant will require continual care. They will also be severely disabled due to the road traffic accident.|
|Moderate brain injury (c) (i)||£150,110 to £219,070||The person's dependence on other people will play a role in determining the payout they receive, as well the impact of the injury on their personality and the extent of intellectual deficit.|
|Less severe brain damage||£15,320 to £43,060||From whether the person has suffered with depression to the extent of the original injury, there are numerous factors considered when determining the payout amount.|
|Severe neck injuries (a) (i)||In the region of £148,330||The higher level of payout is for extremely severe injuries, for example, spastic quadriparesis of a permanent nature.|
|Moderate neck injuries (b) (i)||£24,990 to £38,490||Most claimants in this category have already had a condition that has gotten worse due to the accident, as well as fractions and dislocations.|
|Minor neck injuries (c) (i)||£4,350 to £7,890||Minor cases of whiplash will typically fall into this payout category. The exact amount you get will depend on numerous factors, from how much pain you are in to any other symptoms you have encountered.|
|Severe back injuries (a) (i)||£91,090 to £160,980||Spinal cord damage and nerve root damage will demand a higher payout.|
|Moderate back injuries (b) (i)||£27,760 to £38,780||Injuries that fall into this category include the like of soft tissue injuries, ligament disturbance, and muscle injuries.|
|Minor back injuries (c) (i)||£7,890 to £12,510||Recovery without surgery in 2-5 years.|
However, before proceeding with your claim, we recommend that you contact our advisors for a free consultation. They can give you an estimate of what your claim could be worth and may be able to provide more insight into MIB compensation amounts.
We often get asked: how much do the MIB pay out for whiplash? After all, whiplash is the most common injury sustained due to a road traffic accident. Perhaps you’ve turned to a Motor Insurers’ Bureau compensation calculator to give you the information you want. Unfortunately, it’s impossible to give a definitive answer to that question, and the average MIB payout for whiplash really does depend on the severity of your condition.
Some people will make a recovery from whiplash within a matter of weeks, in which case they will be awarded several hundred pounds in MIB payout amounts in most cases. However, there are also those who suffer lifelong consequences due to whiplash, which could lead to a payout in excess of £100,000. If you cannot find an injury that relates to the type of symptoms you have sustained in the table above, all you need to do is give our team a call and we will be more than happy to explain how much compensation you are likely to be looking at. We could give you further guidance on MIB payout examples including examples of an MIB claim we’ve successfully handled.
While there are many solicitors who will claim to be the best choice when filing an MIB uninsured claim form, you should only ever consider those who operate to a No Win No Fee payment structure. You can rest assured that this will always be the case when you work with us. With this approach, you don’t pay legal fees until compensation is successfully secured. If, for some reason, your claim is not a success, you won’t need to pay a penny. Therefore, you always have the security that compensation covers the cost – you won’t be out of pocket. And, don’t worry; your solicitor won’t take all of your compensation. The overall success fee is limited to 25 per cent, so claimants are guaranteed 75 per cent of MIB payouts at a minimum.
There are many reasons why you should opt for our service if you want to make a Motor Insurers’ Bureau compensation claim. We have helped many road traffic accident victims to file a MIB claims form and secure MIB payout amounts. With over 40 years of experience in the industry, our expertise speaks for itself. We also pride ourselves on our customer-centric approach. We aim to secure your payout efficiently and with as little hassle to you as possible. If you read the feedback that has been left by people that have worked with us before, you will see that we are the best choice for you when it comes to securing MIB claims payouts. So, this is good to keep in mind when thinking about Motor Insurers’ Bureau compensation.
Accident Claims can help you to get the MIB payout amounts you deserve. If you are ready to get started, you can reach our team of experts on 0800 073 8801. We will also happily answer any questions you have, and you have no obligation to continue with our service by getting in touch. You can also reach us by requesting a call back via our website. Once you are connected to one of our experts, they will give you a realistic assessment of your case, as well as talking you through the MIB claim process. If you decide to proceed, we will match you to the best solicitor based on the ins and outs of your claims, ensuring you have the best chance of getting the maximum MIB payout.
Motor Insurers’ Bureau compensation calculator And MIB Payout Examples FAQs
What does MIB do?
MIB helps the police to prevent people from driving vehicles that don’t have insurance on UK roads.
What can you claim from MIB?
MIB allows victims to claim MIB payout amounts where motor insurance wasn’t a factor for any reason with regards to those involved in a road traffic accident.
How do I contact MIB?
MIB are available to contact via telephone between 9 am-5 pm from Monday to Friday.
Will my insurance go up if I get hit by an uninsured driver?
In most cases, the victim’s insurance will go up in such a scenario as this.
How long does it take to receive the opening offer of compensation by the defendant?
The defendant should make their first offer after a few months of negotiation, though the claimant rarely accepts this offer. MIB payout amounts could be made quickly depending on the evidence submitted with your claim and the simplicity of it.
If you feel that your first offer from the MIB does not appropriately cover the expenses caused by your accident or injuries, you may be able to get back in touch with them to negotiate, though this is not a guarantee. For more information on this, get in touch with our team of advisors today.
How is the MIB funded?
In accordance with the Road Traffic Act 1988, every insurance underwriter who provides compulsory motor insurance must contribute to MIB funding. As insurance companies get their funds from people paying their insurance premiums, the MIB is essentially funded by drivers.
How Long Does An MIB Claim Take?
According to the MIB guide to making a claim, they will generally aim to decide compensation payouts within 3 months of a claim being started. However, each road traffic accident claim comes with its own unique set of circumstances. Due to this, the length of time a claim takes to process can vary on a case-by-case basis. There are a number of factors that can affect how long an MIB claim can take.
Here are some factors that could lead to an impact on the length of your claim process:
- The severity of your injury/illness – Your health and life will be affected to varying degrees depending on your symptoms. Some injuries will leave lasting damage and the considerations that need to be accounted for will require more time to be suitably addressed. Alternatively, some ailments may be on the more minor side and could heal completely in a relatively short period of time.
- Establishing negligence – Some cases may be more complex with regards to who was responsible for the accident that caused your injuries. Investigations of this nature could add time to your claim.
If you want to know more about what can slow down the process of making a claim for MIB compensation, get in touch with us today.
Should I accept the first offer from the MIB?
If you achieve success with a MIB claim, then you may receive your first compensation offer at a relatively early point during the process. The MIB explains that they try to decide whether to offer a payment for a claim submitted to them within three months.
Should you, however, always accept the first offer that comes from the MIB? If you feel that the offer adequately compensates you for the damages you’ve suffered from your road traffic accident, then it could make sense to take it. However, if you are being supported by an experienced road traffic accident solicitor while making your MIB claim, then it’s worthwhile consulting them about any offers you receive. An experienced solicitor may advise you that your claim is worth more than the initial offer and they may then negotiate a higher payout with the organisation.
Can I make an MIB claim for damage to property other than a vehicle by an uninsured or untraced driver?
If you’ve had damage to non-vehicle property by an uninsured or untraced driver, you may be able to make an MIB claim for property damage. However, if you have another kind of insurance that covers the damage, for instance, home or contents insurance, then it’s advisable that the driver claiming does so via their insurer. This will usually speed up proceedings, as the outcome of the personal injury claim won’t rely on enquiries made by the MIB into the accident.
How common are motor vehicle accidents on UK roads – latest statistics
The latest road transport accident casualty statistics reveal that in 2020, there were estimated to be 1,460 fatalities on the roads of the UK. This included periods of national lockdowns in November and April to June that year. During this period, the number who were seriously injured or killed was provisionally estimated to be 23,529. The total estimated number of casualties of every severity was 115,585. The reduction of traffic across the year was 21% due to the lockdowns. You can see the types of road users injured in the graphic below, compared to the rates in 2019, when there was no national lockdown due to coronavirus covid-19.
Road Traffic Accident Statistics – Updated
Further to the statistics above, we now have estimated figures for the number of casualties on Great Britain’s roads for the year ending June 2021. You may be surprised to learn that 24,530 people were killed or seriously injured on Great Britain’s roads in this period. The total estimated figures for the period in respect of all levels of casualties was 119,850. You can see the spread of severity of injury in the graph below.
We do not yet have figures as to how many of these are related to hit and run accidents. However, some of these may lead to an MIB claim.
How can I find out more about MIB payout examples?
If you would like to find out more about MIB payout amounts, and cases we’ve handled before, please call our advice line today. We would be able to give you details of an MIB claim we have handled in the past, to give you examples of MIB payouts amounts we’ve successfully achieved for previous clients. This could give you more of an idea of the type of settlement you could receive for your injuries.
Could you give an idea of how MIB payout examples could be calculated?
Like many personal injury claims, the amount you could receive would depend on how severe your injuries were and how they’ve affected you. An MIB claim would also take into account the financial loss caused by the accident. To get further advice on MIB payout amounts and what they could include, please call our team.
Could I claim compensation if I wasn’t wearing a seatbelt?
Usually, by law, you would be expected to wear a seatbelt when travelling in a motor vehicle, unless you have a medical exception or are performing certain manoeuvres. If you aren’t wearing a seatbelt and suffer injuries in an accident with an uninsured, foreign or untraceable driver, you may be under the assumption that you could not claim. However, in some cases, it may be possible for you to obtain some level of compensation. However, it could be lower than it would have been had you worn a seatbelt. By not wearing a seatbelt, you may be contributing somewhat to your own injuries. If you would like to speak to our team about an accident that was someone else’s fault, but that you may have contributed to, please don’t hesitate to get in touch. We could give you advice on whether you could claim and give you further MIB payout examples so you could see how much you could get for an MIB claim.
Helpful links Relating To MIB Payout Examples
Lorry or HGV claims guide
This guide will tell you everything you need to know about claiming after an accident with a lorry or HGV.
This is a guide on claiming compensation from your local council after an accident caused by negligence.
This link will take you to our guide to whiplash injury, from symptoms to how to how much compensation you could be owed.
Involved in an accident with a foreign vehicle? We can help you claim the compensation you deserve. MIB payout examples are included here too.
This link takes you to the website of the Motor Insurers’ Bureau. Not only will you find information on making a claim, but also you can access the Motor Insurance Database, which is the only central record of all vehicles that are insured in the United Kingdom.
This link takes you to the UK Government website where you will find information on claiming compensation if you have been the victim of a hit and run. You can download the government’s ‘making a claim’ guide.
This link takes you to road accident and safety statistics in the UK since 2010. You can download data tables and publications from the Department for Transport.
Whiplash is one of the most common injuries sustained due to a road traffic accident. This page from the NHS reveals everything you need to know about the condition, including the symptoms of whiplash, as well as the treatment, causes, outlook, and details on when to get medical advice.
We hope that our Motor Insurers’ Bureau compensation calculator guide has been helpful for you. If, however, you still have any questions you’d like to ask, then you’re welcome to get in touch with us. To contact us about topics such as MIB claims, MIB payout amounts or MIB payout examples, you can reach our advisors using the contact details featured within this guide.