MIB Payout Examples | Uninsured/Untraced Driver Accidents

By Lewis Houston. Last Updated 1st November 2023. Have you been involved in a road traffic accident on a public road with an uninsured driver that wasn’t your fault? Perhaps the driver that injured you drove off and isn’t traceable. Many people experience this and can turn to Motor Insurers’ Bureau (MIB) claims.

This is where you claim through the MIB instead of an insurer because the other driver either had no insurance or isn’t traceable after a hit and run. This means that you may not be out of pocket if you are involved in an accident with an uninsured motorist.

Below, you can find a list of MIB payout examples and advice on qualifying for a claim.

To find out more about this type of claim and MIB payout examples in the UK, continue reading or get in touch. You can do so by:

  • Calling us on 0800 408 7825
  • Talking to us on our live chat, which is at the bottom of this page
  • Contacting us through our website

A guide exploring MIB claims

A guide exploring MIB claims

Select A Section

  1. MIB Payout Examples In The UK – What Does Compensation Include?
  2. A Comprehensive List Of MIB Payout Examples In The UK
  3. What Is The Motor Insurer’s Bureau And When Could I Claim?
  4. Types Of MIB Claims We Can Help You With
  5. Am I Eligible To Make An MIB Claim If An Uninsured Driver Hit Me?
  6. How Do I Prove My MIB Claim?
  7. Talk To Us About A No Win No Fee MIB Claim
  8. Discover More MIB Payout Examples

MIB Payout Examples In The UK – What Does Compensation Include?

It can be difficult to provide specific MIB payout examples, owing to the fact that all MIB claims are different.

There are two potential heads of claim: general damages and special damages. These are intended to get you back to the position you were in before your accident.

  • General damages cover you for the injuries you have sustained. These can be mental and emotional as well as physical. Some injuries include lower back pain or degenerative disc disease, for example.
  • Special damages refer to monetary losses sustained as a result of your injuries. These can include lost wages as well as the cost of travel to hospital or therapy. If you are looking to claim for loss of earnings, hold onto proof such as payslips to support your claim.

To find out more about payout examples for MIB claims, why not speak to one of our advisors today?

A Comprehensive List Of MIB Payout Examples In The UK

As stated above, there are potentially two heads of claim. In this section, we further look at general damages and how these could be assigned value if your MIB claim is successful.

General damages compensate for the pain and suffering caused by your injuries. For a car accident, legal professionals may use two different documents to help them value your injuries. Both of these sources might be used if your claim is being made through the MIB because an uninsured driver hit you, depending on whether you suffered whiplash.

The first document is the Judicial College Guidelines (JCG). It provides details of injuries and compensation brackets to help guide legal professionals when valuing injuries.

However, if you suffered from whiplash, this will be assigned a value from the tariff found in the Whiplash Injury Regulations 2021. These regulations provide a tariff amount for whiplash injuries based on the duration and whether you also suffered a psychological impact.

In our table, we’ve included a few injuries from both the JCG and the whiplash tariffs. The JCG figures do not represent the exact value of a successful claim. It is only provided to help you learn how injuries will be assigned value.

Injury Nature of incident Possible compensation
(A) Brain Damage (c) Moderate Brain Damage (i) Where there has been an intellectual deficit to a severe degree as well as a change to speech and sight. £150,110 to £219,070
(A) Chest Injury (b) Here, you would expect to see a traumatic chest injury affecting the lungs and heart. This can reduce life expectancy and create disability. £65,740 to £100,670
(B) Post-Traumatic Stress Disorder (a) Severe In this bracket, there would be effects where the injured person is unable to work and all aspects of life are greatly affected. £59,860 to £100,670
(A) Neck Injury (b) Moderate (i) Can sometimes involve spinal fusion where there has been dislocation or fractures. Can lead to future impairment. £24,990 to £38,490
(B) Back Injuries (b) Moderate (ii) Where there would be ligamentous and muscle disturbance. More compensation possible depending on how much pain is present as well as the impact on the injured person’s life. £12,510 to £27,760
(C) Shoulder Injuries (b) Serious Where there has been damage to the brachial plexus leading to reduced grip and persistent aches and pains. £12,770 to £19,200
Whiplash Tariff Whiplash with psychological harm lasting longer than 18 months, but no more than 24 months. £4,345
Whiplash Tariff Whiplash lasting longer than 18 months but not any longer than 2 years. £4,215

Our MIB payout examples table may not have included the injuries you suffered, nor does it consider special damages. If you would like a bespoke valuation, call our advisors.

What Else Could I Claim?

When making a personal injury claim through the MIB after an uninsured driver caused an accident, you might also be able to claim special damages. As previously stated, this aims to compensate you for the financial losses you have experienced due to your injuries.

Although we have already mentioned how special damages could compensate you for loss of earnings, some of the other financial losses you could be compensated for if your MIB claim is a success could include:

  • Medical expenses, if you have had to pay for private treatment or for any prescriptions.
  • Travel costs if you can no longer drive your car.
  • Care costs if you require a carer for your injuries.

However, you’ll need to provide evidence regarding these financial losses, such as:

  • Receipts.
  • Bank statements.
  • Invoices.

If you would like more information about making a claim through the MIB or further payout examples for different injuries, you can contact our advisors.

What Is The Motor Insurer’s Bureau And When Could I Claim?

The Motor Insurer’s Bureau is an organisation dedicated to compensating victims of car accidents caused by uninsured and untraced drivers. An MIB claim might be made if you have been injured or suffered any property damage or financial harm as a result of a driver that can’t be traced or is not insured.

However, you must also meet the eligibility requirements to make a valid road traffic accident claim through the MIB. These are:

  •     You were owed a duty of care by another road user.
  •     This duty was breached.
  •     You suffered an injury as a result of this breach.

All road users owe each other a duty of care. They must adhere to the rules and regulations found within the Road Traffic Act 1988 and the Highway Code. Additionally, they must use the roads in a manner that prevents causing injury to themselves and others. If another road user were to breach their duty of care, and this caused you to become injured, you could be eligible to make a personal injury claim.

To learn more about making a road traffic accident claim and to receive potential MIB payout examples for successful cases, you can contact our advisors.

How Long Do I Have To Claim Through The MIB?

As established by the Limitation Act 1980, there’s usually a three-year time limit for starting personal injury claim. This time limit usually begins from the date of you sustained your injuries. This time limit also applies to claims being made through the MIB.

Under some circumstances, the time limit for claiming can work differently. If, for example, the injured party lacks the mental capacity to make their own claim, then the time limit is suspended indefinitely. A court-appointed litigation friend could make an MIB claim on the injured party’s behalf. However, if this does not happen, and the injured party later recovers this mental capacity, then the time limit will start from the date of recovery.

If a minor under the age of eighteen has been injured, then the time limit for claiming does not start for them until their 18th birthday. Before that day, a claim could be made on their behalf by a litigation friend. If this doesn’t occur, then the injured party will have three years to start their own claim once they turn 18.

For more advice on starting a claim or to learn more about MIB payout examples in the UK, please read on or contact our advisors for free.

Types Of MIB Claims We Can Help You With

Generally, there are two main types of MIB claims. These are claims against uninsured drivers and claims against untraced drivers.

Uninsured MIB claims are generally easier to process provided there is sufficient evidence and the uninsured driver does not flee the scene. 

Untraced MIB claims are made possible through the Untraced Drivers’ Agreement. This gives motorists the right to claim through the MIB if they are involved in a “hit and run”. This is where someone hits you and they continue driving to avoid prosecution or legal action. 

The MIB also makes it possible to claim against foreign drivers visiting the UK with their Green Card scheme. A Green Card is internationally recognised proof of insurance and will provide all relevant details that will allow you to make a claim. This is especially true of foreign lorries as in some countries, the trailer is registered separately.

If you believe you may have a claim, speak to our advisors for more information.

How Do I Prove My MIB Claim?

Any claim will need evidence to support it. This is important when it comes to uninsured or untraced drivers in MIB claims.

Seek medical attention in the event of a possible injury. This is vital for your own health. Plus, any medical records could act as proof during the claim. 

If possible, exchange contact information with the other driver. They may well be scared and confused but you should exchange contact details if an injury has been sustained. The police should also be contacted if someone sustains an injury in a road traffic accident. 

If the other driver tries to drive away, remember that they are committing a criminal offence. Collect as much information as possible, such as the make and model of their car, the paint colour, and, critically, their registration number. The registration could be the easiest way to track them down. 

Not all of this will be easy to do in the heat of the moment. Whether or not you were able to take the above steps, if you’re hit by an uninsured or untraceable driver, you should inform the police. If you make a claim through the MIB, they’d need the police reference number.

Other Evidence That Can Help You With An MIB Claim

Other evidence to consider includes:

  • Video footage from CCTV cameras as well as dashcams
  • Photographs showing how your accident and injuries happened
  • Contact details, not just from the other driver, but from eyewitnesses

You may also wish to speak to a solicitor. This is not mandatory, but it may make the claims process easier. They may arrange a medical assessment for you. The resulting report could act as evidence. 

This may sound like a long process to go through. Let us help you. Our advisors are on hand 24/7 to give you free legal advice. They can even connect you with a solicitor from our panel. To find out how we can help with MIB claims, get in touch.

Talk To Us About A No Win No Fee MIB Claim

You may be interested in making a claim, but the idea of legal fees can be concerning. If this is the case, a No Win No Fee agreement called a Conditional Fee Agreement (CFA) may be right for you. If a solicitor represents you under a No Win No Fee agreement, you pay no solicitor’s fee at the start of your case, while it is ongoing, or if you lose. 

In the event of the claim’s success, you pay a fee off the top of your settlement. This is a small percentage (capped by law) that covers the cost of using a solicitor’s services.

Our advisors provide free advice on a 24/7 basis. This is done with zero obligation. They can even connect you to a solicitor from our panel. To find out more, consider:

  • Calling us on 0800 408 7825
  • Talking to us on our live chat, which is at the bottom of this page
  • Contacting us through our website

Discover More MIB Payout Examples

Below, you can find more useful information on making a personal injury claim through the MIB.

Thank you for reading this article about MIB payout examples and claims