Last updated 22nd April 2026. MIB compensation payout examples include awards made for accidents involving untraced or uninsured drivers. By law, all drivers are required to have insurance so that any accidents that take place can be covered. Therefore, if you have been involved in an accident with someone who has ignored these regulations, you deserve compensation. Claiming through the Motor Insurer’s Bureau (MIB) can help you gain compensation despite the driver at fault not having insurance. So, you can still get cover for the pain that you have suffered from your injuries, as well as the additional expenses that you have had to pay and the damage to your car.
Our solicitors are experts in handling road traffic accident claims and can help to guide you through the process of making your claim through the MIB as well as striving to gain you the most compensation possible. Our advisors are also on hand 24/7 to answer any of your initial questions about the process, evaluate the compensation that you may be entitled to based on your specific circumstances and connect you with a solicitor to get started. Contact Public Interest Lawyers today.
Select A Section
- MIB Payout Examples In The UK – What Does Compensation Include?
- A Comprehensive List Of MIB Payout Examples In The UK
- What Is The Motor Insurer’s Bureau And When Could I Claim?
- Types Of MIB Claims We Can Help You With
- How Do I Prove My MIB Claim?
- How Can Public Interest Lawyers Help Me Claim Through The MIB?
- Can MIB Claims Be Made On A No Win No Fee Basis With Public Interest Lawyers?
- Frequently Asked Questions About MIB Compensation Payouts
- Discover More MIB Payout Examples
MIB Payout Examples In The UK – What Does Compensation Include?
Providing specific MIB payout examples can be difficult because 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 and the cost of travel to hospital or therapy. If you want to claim for loss of earnings, hold onto proof such as payslips to support your claim.
Why not speak to one of our advisors today to learn more about payout examples for MIB claims?
A Comprehensive List Of MIB Payout Examples In The UK
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.
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 Whiplash Injury Regulations 2021 tariff. These regulations provide set amounts for whiplash injuries based on the duration and any psychological impact.
In our table, we’ve included a few injuries from the JCG. The JCG ranges are only provided for guidance. Please also note that the top entry isn’t from the document.
| Injury | Severity | Guideline Compensation |
|---|---|---|
| Multiple Injuries Plus Special Damges | Very Severe multiple injuries with incurred financial losses. such as loss of earning, rehabilitation and care costs | Up to £1,000,000 or more |
| Injuries Involving Paralysis | Tetraplegia with the top end of the bracket involving cases where physical pain is present and where there is a significant effect on the injured person's ability to communicate. | £428,850 - £533,720 |
| Paraplegia with the level of award depending on the presence and extent of pain and the degree of independence. | £289,420 - £375,540 | |
| Shorter Durations where death occurs for unrelated reasons in a short period of the accident, a lower sum will be awarded. | £65,180 | |
| Back | Severe (i) with damage to the nerve roots and spinal cord leading to very serious consequences. | £120,340 - £212,670 |
| Severe (ii) includes nerve root damage with associated loss of sensation and impaired mobility | £97,980 - £116,820 | |
| Pelvis and Hips | Severe (i) - extensive fractures of the pelvis involving dislocation to a low back joint. | £103,580 - £172,970 |
| Severe (ii) including a fracture dislocation of the pelvis | £81,790 - £103,580 | |
| Arm | Severe (b) - serious fractures of one or both forearms with significant permanent residual disability | £51,750 - £79,080 |
| Spleen | Loss of spleen with continuing risk of internal infection | £27,480 - £34,740 |
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 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.
You can contact our advisors for more information about claiming through the MIB or for payout examples for different injuries.
What Is The Motor Insurer’s Bureau And When Could I Claim?
The Motor Insurer’s Bureau compensates victims of car accidents caused by uninsured and untraced drivers.
To claim through their scheme, you must be eligible to make a valid road traffic accident claim:
- A road user owed you a duty of care.
- They breached this duty.
- This breach harmed you.
All road users owe one other a duty of care. They must take every practicable measure to keep each other safe and comply with the rules of the road, including the Road Traffic Act 1988 and Highway Code.
If they don’t, they breach their duty of care. Negligence is when such a breach harms you.
Contact our advisors to learn more about making a road traffic accident compensation claim and to receive potential MIB payout examples for successful cases.
How Long Do I Have To Claim Through The MIB?
The Limitation Act 1980 allows three years after a car accident to start a personal injury claim.
Suppose an injured person lacks the mental capacity to take legal action. In that case, their time limit is paused until they prove their capacity or are appointed a litigation friend, a trusted person who manages the claim.
If a minor is injured, the three-year time limit does not start until their 18th birthday. They can be appointed a litigation friend to start their claim before then.
For more advice on starting a claim or 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
There are generally two main types of MIB claims: against uninsured and untraced drivers.
Untraced MIB claims are made possible through the Untraced Drivers’ Agreement. This gives motorists the right to claim through the MIB if involved in a “hit and run”. This is where someone hits you and drives off.
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 allowing you to make a claim. This is especially true of foreign lorries, as the trailer is registered separately in some countries.
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 especially important for MIB claims involving uninsured or untraced drivers.
Seek medical attention in the event of a possible injury. This is vital for your health. Plus, any medical records could act as proof during the claim.
If possible, exchange contact information with the other driver. Although they may be scared and confused, you should exchange contact details if an injury has been sustained. If someone sustains an injury in a road traffic accident, the police should also be contacted.
If the other driver tries to drive away, remember 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. Their registration number 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 can take the above steps, if an uninsured or untraceable driver hits you, you should inform the police. If you make a claim, the MIB will need a 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 one of our solicitors. Get in touch to find out how we can help with MIB claims.
How Can Public Interest Lawyers Help Me Claim Through The MIB?
Public Interest Lawyers will help you claim an MIB compensation payout by applying their expertise in road traffic accident claims so that all of your damages are covered. The services that they will provide to see that this is the outcome include:
- Professional communication with the MIB and updating you on the amounts that you may be awarded.
- Tailored advice on the evidence that you should gather to support your claim, such as dash cam footage and reports to the police.
- Connecting you to any medical professionals that can help with your recovery and ensuring that these costs are included as part of your MIB claim.
- Gathering witness statements and other evidence, so the tricky stuff is dealt with and you can focus on your recovery.
- Answering any of your questions and explaining each step of the process in a way that is digestible, so that stress is reduced and you understand what is happening with your claim.
Our solicitors have many more services to offer you and your claim, which you can find out about by contacting an advisor on our team today.
Can MIB Claims Be Made On A No Win No Fee Basis With Public Interest Lawyers?
Yes, MIB claims can be made on a No Win No Fee basis with Public Interest Lawyers when entering a Conditional Fee Agreement with one of our solicitors. Conditional Fee Agreements massively reduce the added financial worry that you may have about making a claim as they mean that:
- No upfront costs for the services of your solicitor are needed before making your claim.
- There won’t be ongoing payments made for the services of your solicitor whilst the claims process is being carried out.
- An unsuccessful claim will not have to pay service fees for your solicitor’s work.
Successful claims will have a ‘success fee’ deducted from the compensation that is awarded. This is a small, legally capped percentage of your compensation; the majority of it will be awarded to you.
To discuss MIB compensation payout examples that have been made under a No Win No Fee arrangement, contact one of our advisors today.
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Frequently Asked Questions About MIB Compensation Payouts
Read our frequently asked questions about MIB compensation payouts to get the answers you’re looking for.
How Much Does The MIB Pay Out?
The MIB may pay out between £120,340 to £212,670 for a severe back injury causing damage to the spinal cord and nerve roots, resulting in a combination of serious consequences such as incomplete paralysis and significantly impaired sexual function. For a more precise assessment, please reach out to our advisory team today.
How Long Does It Take For The MIB To Pay Out
The MIB typically aims to pay out after 3 months, though it seeks to reach a decision on compensation before then.
Can I Use A Solicitor To Claim Through The MIB?
Yes, you can use a solicitor to claim through the MIB to help you navigate the process. Our solicitors, in particular, can help you to gather evidence, submit your application, and appeal a MIB decision (if necessary).
Can MIB Claims Be Made On Behalf Of A Loved One?
Yes, MIB claims can be made on behalf of loved ones if they are unable to do so themselves because they are minors (under 18) or lack sufficient mental capacity. To do so, you would need to become their litigation friend.
Discover More MIB Payout Examples
Below, you can find more useful information on making a personal injury claim through the MIB.
- Can I Claim If I Had A Minor Car Accident?
- Split Liability Car Accident Claims
- Claiming Compensation For Nerve Damage After A Car Accident
- Request CCTV footage of yourself — UK Government guide explaining how to request CCTV footage of yourself.
- Vehicle insurance — UK Government guide related to insurance for your vehicle.
Thank you for reading this article about MIB claims against uninsured drivers.