Motor Insurers’ Bureau (MIB) Payout Examples And Calculator

By Jo Anderson. Last Updated 6th December 2023. 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 explains what the MIB is and includes a compensation table. It also looks at tips for making an MIB claim. Below, you will find MIB payout examples for UK claims. We also discuss how much compensation for a hit and run could be appropriate, as well as looking at how long it takes to get paid after a settlement and what impacts MIB claim success.

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.

How We Can Help

At Accident Claims, we have many years of experience in helping personal injury victims to get the compensation they deserve. We will conduct an 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.

a man taking a picture of a car for an mib claim

Motor Insurers’ Bureau Compensation Calculator Guide

Choose a Section

  1. MIB Payout Examples
  2. When Can I Claim For An Accident With An Uninsured Driver?
  3. What To Do If Hurt By An Uninsured Driver
  4. How To Claim Through The  Motor Insurers’ Bureau
  5. Making A No Win No Fee MIB Claim
  6. More Resources

MIB Payout Examples

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 terms of general damages in the table below, with figures from the 2022 edition of the Judicial College Guidelines (JCG). General damages covers the injuries you sustain, both physical and mental.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
Multiple serious injuries with financial losses. Up to £1,000,000+ A combination of injuries with financial losses such as home adaptations, loss of income and medical costs, for example.
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 (d) £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.

MIB Payouts Examples – What Are Special Damages?

You may also be eligible for special damages when claiming through the MIB. The payout examples above illustrate amounts for general damages, but special damages address any financial losses caused by your injuries.

For example, if you claim through the MIB because an uninsured driver hit your car, causing you to suffer a broken leg, this may mean you need to take time off work to recover. In this case, any earnings you lose because of this could be claimed back under special damages. This heading can also cover:

  • Medical costs
  • Prescriptions
  • Home adjustments
  • Mobility aids
  • Care costs
  • Domestic help

For more information on MIB payout amounts, get in touch with our team of helpful advisors. They can evaluate your claim, and could potentially connect you with one of our solicitors to help you claim.

When Can I Claim For An Accident With An Uninsured Driver?

If you are injured in an accident caused by an uninsured driver, you may be able to file a claim with the Motor Insurers’ Bureau (MIB). The MIB can provide compensation to those who have been involved in an accident with an uninsured or untraceable driver, such as a hit and run.

All MIB claims must meet the same eligibility criteria as a personal injury claim for them to be valid. This is:

  1. You were owed a duty of care by another road user.
  2. They breached this duty.
  3. Due to this breach, you were injured.

All road users have a duty of care towards each other, not to use the roads in a way that could cause harm. Furthermore, they must obey the Road Traffic Act 1988, and refer to the rules and guidance of the Highway Code. If you were to be involved in an accident with an uninsured or untraceable driver, and can meet the aforementioned eligibility criteria, you may be able to claim MIB compensation.

To check the validity of your case or to ask any questions about how to use an MIB compensation calculator, you can contact our team of advisors.

What To Do If Hurt By An Uninsured Driver

Now we have discussed ‘what is the MIB?’, you might want to know how to have the best chance of MIB claim success.

If you are injured in an accident with an uninsured driver or untraceable driver and are claiming through the MIB, you will need to provide evidence of what occurred. 

Before you begin collecting evidence, we would recommend you seek professional treatment if necessary. Receiving treatment could also result in a medical report that can be used as evidence of your injuries.

Further evidence you could provide includes:

  1. A crime number if you reported the incident to the police
  2. Witness contact details so a statement can be taken at a later date.
  3. CCTV camera footage that captured the incident.
  4. Photographs of your injuries and the scene.

This list is not exhaustive. There could be other forms of evidence that could work best for your claim. If you get in touch with our advisors, they can provide free advice specific to your case.

How To Claim Through Motor Insurers’ Bureau

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.

How Long Do I Have To Make An MIB Claim?

The Limitation Act 1980 states that the time limit for starting a personal injury claim is three years. This time limit typically starts from the date of the incident that caused your injury.

In certain circumstances, the time limit can be different. For example, if a child has been injured in a road traffic accident, the time limit is paused until their 18th birthday. Before that day comes, a claim could be started on the child’s behalf by a court-appointed litigation friend. Once they turn 18, they will have three years to start a claim if one has not already been started for them.

If someone lacks the mental capacity to make their own claim, the time limit is indefinitely suspended. A litigation friend could start a claim on their behalf. However, if they were to regain this mental capacity, they will have three years to start a claim from the date of recovery if one has not already been made.

 Contact our advisors to discuss your MIB claim today. They could offer you free advice and inform you whether you have enough time to start your claim.

Making A No Win No Fee MIB Claim

If you have eligible grounds to make a claim through the MIB, you could benefit from working with a solicitor. Our solicitors offer several services, including help gathering evidence and sending important correspondence on your behalf. Additionally, they offer these services under the terms of a Conditional Fee Agreement (CFA). This type of No Win No Fee arrangement means you don’t typically have to pay your solicitor for their work upfront or throughout the process of your claim.

If your MIB claim is a success, you will pay your solicitor a success fee from your compensation. This is deducted as a percentage which has a legal cap ensuring you keep the majority of your payout. However, if your claim fails, this fee won’t be taken.  

If you require any further guidance after reading our guide, such as on the eligibility criteria for personal injury claims, the factors considered when calculating an MIB payout or examples of the services one of our solicitors could offer, please contact an advisor. To do so, you can:

More Resources:

  • 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.
  • Council Compensation Payouts Claims Guide:This is a guide on claiming compensation from your local council after an accident caused by negligence.
  • Whiplash- symptoms and more: This link will take you to our guide to whiplash injury. It talks about symptoms and how much compensation you could be owed.
  • Foreign vehicle accident claims : Involved in an accident with a  foreign vehicle? We can help you claim the compensation you deserve. MIB payout examples are included here too.
  • Motor Insurance Bureau’s Site: This link takes you to the website of the Motor Insurers’ Bureau. Not only will you find information on making a claim. You can also access the Motor Insurance Database. This is the only central record of all vehicles that are insured in the United Kingdom.
  • Uninsured vehicle operator information: This link takes you to the UK Government website. Here 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.

More Guidance

  • Safety Stats on the roads: 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.
  • NHS Whiplash Information: 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. Plus, it gives insight into treatment, causes, and outlook. Plus, details on when to get medical advice.
  • Mobility Scooter Accident Claims: 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. You can 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.