A Breakdown Of Motor Insurers’ Bureau (MIB) Payout Amounts

By Danielle Newton. Last updated 3rd May 2023. This guide will explain how to claim compensation through the Motor Insurer’s Bureau and what amounts for MIB claims can be awarded.

Generally, those injured in road traffic accidents caused by a driver claim compensation against the at-fault driver’s insurance. However, if the driver is uninsured or untraced (for example, a hit-and-run driver), then this may not be possible.

You could still be entitled to claim compensation for your injuries through the Motor Insurers’ Bureau. We’ll explain what this means throughout this guide.

An advisor from our team may be able to connect with a knowledgeable solicitor from our panel to handle your claim through the MIB. Please get in touch with our team today to see if you are eligible to make a road traffic accident claim.

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mib payout amounts

Select A Section

  1. Motor Insurers’ Bureau (MIB) Payout Amounts
  2. Who Could Be Eligible For Compensation Amounts For MIB Claims?
  3. What Time Limits Apply to MIB Claims?
  4. What Evidence Could Influence MIB Payout Amounts?
  5. Call Our Team For Help Calculating Amounts For MIB Claims

Motor Insurers’ Bureau (MIB) Payout Amounts

You may be wondering how personal injury payouts are calculated in MIB claims. Settlements can be made up of general and special damages. General damages is the head of claim that compensates you for the pain, suffering and loss of amenity that your injuries have caused you.

This head of claim can be valued with the help of a publication called the Judicial College Guidelines. These contain guideline compensation brackets for a range of different injuries that could result from an accident.

Injured Body Part Details Of The Injury Compensation Bracket
Very Serious Head Injury The person shows little or no meaningful response to their environment. They are also left with little language function. £282,010 to £403,990
Moderately Severe Head Injury The person has been left with a severe disability. They are substantially dependent on others. £219,070 to £282,010
Loss Of Both Feet The amputation of both of the feet. The amputation takes into account the loss of the ankle joint. £169,400 to £201,490
Chest Injury (A) The loss or removal of one lung as well as severe damage to the heart. £100,670 to £150,110
Loss Of One Leg An above the knee amputation of one of the legs. £104,830 to £137,470
Loss Of One Arm (i) An amputation at the shoulder. At least £137,160
Moderate Back Injury (i) Could include a crush fracture to the vertebrae causing constant discomfort and pain. £27,760 to £38,780
Moderate Knee Injury (i) Dislocation, torn cartilage or meniscus causing wasting. £14,840 to £26,190
Whiplash (With Psychological Injury) More than 15 months but less than 18 months £3,100
Whiplash (With Psychological Injury) More than 18 months but less than 2 years £4,345

Whiplash Reform Programme

Whiplash claims are valued differently since the introduction of the Whiplash Reform Programme. This introduced changes to how claims for low-value soft tissue injuries are made.

Adult vehicle occupants who have sustained injuries worth up to and including £5,000 would need to claim via the government’s Official Injury Claims portal.

The Whiplash Injury Regulations 2021 contains tariff amounts that are used to value these claims. These amounts might still apply in cases where the claim does not need to be made through the official portal.

Special Damages

Special damages is another potential head of claim. This compensates you for the financial impact of your injuries. For example, you could claim for:

  • Loss of earnings
  • Medical costs (for example, the cost of physiotherapy)
  • Damage to property, for example a broken phone

Our team of advisors are here to offer you advice. Get in touch today.

Who Could Be Eligible For Compensation Amounts For MIB Claims?

In order to make a claim for compensation through the MIB, you would need to show that you were injured as the result of a breach of duty of care. You could claim through the MIB if you were injured in an accident with an untraced or uninsured driver.

All road users owe one another a duty of care. The Road Traffic Act 1988 sets out this duty of care and outlines driving offences. Furthermore, the Highway Code outlines the ways that road users are expected to act.

Some of the instructions in the Highway Code use the word “must”, and others use the word “should”. If the word “must” is used, then this means that it’s a legal requirement. However, the Highway Code is not legislation, so they’re not laws simply by virtue of being in the Code; instead, they’ll be found elsewhere in legislation.

Below are some examples of how a breach of duty of care on the road could cause an injury:

  • A driver fails to stop at a red light and hits a pedestrian who is crossing.
  • An HGV driver is distracted while driving and swerves into another lane, crashing into the side of a car.
  • A driver fails to stop at a “give way” sign at a junction. They collide with a cyclist who was travelling down the road and knock them from their bike.

Can I Make An MIB Claim Against A Foreign Driver? 

If you suffered injuries in an accident involving a foreign vehicle, you may wonder if you are eligible for compensation. The criteria to make a MIB claim against a foreign driver is the same as making any other claim. As discussed above, you need to prove that your injuries were caused when another driver breached their duty of care. We’ll discuss the evidence you could gather to support your claim shortly.

Car accident claims made against foreign drivers are made through the MIB. This is because of the Green Card System that allows movement of vehicles across borders. A green card is an international insurance certificate that proves the visiting driver has the minimum required insurance. The MIB can then recover compensation from the National Insurers’ Bureau of the country where the responsible vehicle is registered.

If you suffered injuries in a car accident involving a foreign registered vehicle a lawyer could help you with your claim. They can help you gather supporting evidence as well as advise on the claiming process.

Call our advisors to discuss MIB payout amounts. If your claim meets the eligibility criteria, you could be put in touch with one of the No Win No Fee lawyers from our panel.

What Could You Claim For?

Below, we have included some examples of injuries that amounts for MIB claims could relate to:

If you would like some insight as to whether your claim is valid, speak with a member of our team today. They can offer guidance on amounts for MIB claims and may be able to connect you with a lawyer.

How Many Hit And Runs Happen A Day In The UK?

A report showing London-wide hit-and-run incidents involving casualties showed that there were 4,945 hit-and-run incidents reported in London in 2015.

287 of these cases resulted in serious injuries. 11 fatalities were supported. Hit and runs in 2015 made up 20% of total collisions, according to this report.

What Time Limits Apply to MIB Claims?

Generally, a claim following a car accident should begin within three years. This should be three years from when the accident took place.

However, some exceptions can apply to this:

  • If the claimant is under 18
  • If the claimant lacks the requisite mental capacity to pursue their own claim

In each of these cases, the time limit is suspended while the injured person can’t claim themselves. While it’s suspended, a litigation friend is able to pursue a claim for them.

If the person becomes legally able to claim themselves (by turning 18 or being deemed mentally capable of doing so) then the three year time limit starts.

To find out more about the time limits that apply to these claims, speak with our team. They can also offer insight into how amounts for MIB claims are calculated and the potential value of your claim.

What Evidence Could Influence MIB Payout Amounts?

Evidence can be very useful when proving that your accident was caused by negligence. It can also demonstrate how your injuries have impacted your quality of life, lending support to your claim.

For example, you could collect:

  • Dashcam footage of the incident happening.
  • Witness contact details. For example, someone could make a statement confirming that the other driver fled the scene after the crash.
  • Medical records. If you sought medical attention after the accident, then this could demonstrate the impact your injuries have had on your quality of life.
  • Records of financial losses and expenses.

If you would like to know more about evidence in these claims, speak with a member of our team today. They can give advice on how amounts for MIB claims might be impacted by the proof provided.

Call Our Team To Make A No Win No Fee Claim

If you wish to claim compensation for injuries caused by an uninsured or untraced driver, please get in touch with our team of advisors today. They work with a panel of skilled panel of personal injury lawyers who could represent you in your claim. They can also offer guidance on amounts for mib claims and how they’re valued.

You might be offered a No Win No Fee agreement. Under this agreement, you:

  • Won’t have to pay upfront or ongoing fees
  • Generally won’t pay your lawyer if your claim is lost
  • Will have a success fee deducted from your settlement if your claim is a success.

Please get in touch with Public Interest Lawyers to enquire about making your claim with a No Win No Fee lawyer from our panel:

Related Guides On Traffic Accident Claims

These guides can help you if you want to claim compensation for injuries sustained in a road accident.

No Win No Fee Serious Injury Claims

Pedestrian Accident Claims Against Drivers

£13,250 Compensation Payout For A Car Accident Back Muscle Injury

We have also included the resources below from other sites:

Driving eyesight rules

Drivers and vulnerable road users– Information from the Royal Society for the Prevention of Accidents

Traumatic brain injuries – St George’s University Hospitals NHS Foundation Trust

If you have any more questions about amounts for MIB claims, please get in touch.

Article by AH

Publisher ET