What Are The Average MIB Claim Amounts?

Last updated 17th June 2024. In this guide, we will look at potential Motor Insurers’ Bureau (MIB) claim amounts for injuries sustained in a road traffic accident. All road users should adhere to the duty of care that they owe in order to prevent accidents. If you’ve been injured in an accident due to third-party negligence, you may be entitled to compensation.

Personal injury claims are usually paid out by the at-fault party’s insurance provider. The MIB is a body that can handle claims for accidents involving uninsured or untraced drivers. If the driver who was responsible for your accident did not have insurance or fled the scene of the accident before you could exchange insurance details, then you could be entitled to claim through the MIB.

We will seek to answer questions such as, ‘what is an MIB claim?’ and ‘what is the MIB claim process?’ in this guide. Furthermore, we will discuss compensation brackets and how settlements in road traffic accident claims are valued. 

You can contact our advisors with any questions you have. Our team are made up of legal professionals that are available 24/7 to help you understand the MIB claim process. To get in touch, use our contact details below:

MIB claim amounts guide

MIB claim amounts guide

Choose A Section

  1. Guidance On Making An MIB Claim
  2. How Do The MIB Calculate Their Claim Amounts
  3. Explaining MIB Claims
  4. What Evidence Could Lead To You Getting The Maximum MIB Claim Amounts?
  5. When Can I Have A No Win No Fee Agreement?
  6. More Information On The Average MIB Claim Amounts

Guidance On Making An MIB Claim

The Motor Insurance Bureau (MIB) is an organisation set up in 1946 to compensate non-fault drivers following accidents with motorists who are not insured or who cannot be traced.  

The MIB can handle:

MIB claim amounts, like in other road traffic accident claims, can vary depending on the severity of your injuries, amongst other factors. You must also provide evidence in order to claim through the MIB, which we will discuss further in this guide.

Road traffic accidents can occur in multiple environments, including:

  • On residential streets
  • On motorways
  • In car parks
  • At junctions 

Below we will discuss MIB claim amounts and the kinds of damages you may be eligible to claim. You can also message our advisors using the live chat to discuss your case.

How Do The MIB Calculate Their Claim Amounts

If you have been involved in a road traffic accident where either an uninsured or untraceable driver was responsible, you may be looking to make a personal injury claim. As we have previously said, it may be possible to claim through the MIB. One of the main questions that may be on your mind is “How much compensation could you claim?”, and this may lead you to look for a MIB compensation calculator. However, this may not always be an accurate compensation evaluation. For this reason, we are going to show you how compensation is calculated in a successful personal injury claim.

Compensation for successful personal injury claims may possibly be divided into two different payouts. These payouts address different damages that are called general and special. 

General damages relate to the physical and psychological suffering you’ve experienced as a result of the injuries you sustained in the accident. Factors that are looked at for this kind of accident could include: 

  • Loss of amenity. 
  • How painful your injury is. 
  • How long it will take for you to recover. 

The Judicial College Guidelines (JCG) provide compensation brackets for general damages. This publication is used by legal professionals, and possibly the MIB, to assist in valuing claims. 

During the claims process, you might also be invited to have an independent medical assessment. The reports from this assessment will be looked at alongside the JCG. 

Compensation Table

We’ve included some examples below from the JCG (except for the top row, which is not from the JCG).

The JCG figures are just a guidance though. All claims are unique so there’s no guarantee for what you could be awarded for your specific claim. 

InjurySeverity of InjuryCompensation
Multiple serious injuries with special damagesSeriousUp to £1,000,000+
Brain DamageVery severe (a)£344,150 to £493,000
Moderately severe (b)£267,240 to £344,150
LegAmputations (a) (i)£293,850 to £344,150
Amputations (a) (ii)£245,900 to £329,620
NeckSevere (a) (i)In the region of £181,020
Severe (a) (ii)£80,240 to £159,770
AnkleVery severe (a)£61,090 to £85,070
Severe (b)£38,210 to £61,090

Special Damages

Special damages relate to financial losses you’ve experienced as a result of the injuries you sustained in the accident. This can include:

  • Medical expenses
  • Loss of earnings if you’ve had to take time off work to recover
  • The cost of travelling to and from medical appointments.

Special damages are not always awarded when a road traffic accident claim is successful. So, it is vital to keep receipts, invoices, and payslips you have as evidence of how you have been affected financially.

To find out about MIB payout examples, please call our advisors.

Whiplash Reform Programme

The Whiplash Reform Programme changed the way low-valued road traffic accident claims are made. This programme applies to:

  • Drivers and passengers (including taxi passengers) of vehicles that were aged 18+ when the accident occurred.
  • People with injuries that are valued at £5,000 or less. This can include whiplash or other injuries, such as bruised ribs. 
  • Accidents that occurred in Wales or England. 

When claiming through this programme, your soft-tissue injuries and whiplash will be valued by the tariff outlined in the Whiplash Injury Regulations 2021. 

Your whiplash injuries might still be valued in line with this tariff even if your claim is not made in this way.

Explaining MIB Claims

The Road Traffic Act 1988 outlines the responsibilities of all drivers when operating a moving vehicle. Similarly, the Highway Code sets out guidelines for proper road conduct for all road users, some of which are backed up by law elsewhere, 

All road users must act responsibly to fulfil the duty of care they owe everyone else on the road. If someone acts negligently and breaches this duty of care, an accident could occur. If this accident results in you sustaining injuries, you may have grounds for a claim.

We’ve included some examples of negligence on the road below:

  • A car drives over the speed limit and is therefore unable to break before colliding with a motorcyclist.
  • Another vehicle collides with yours after failing to check its mirrors before turning out of a junction. This can leave you suffering from whiplash injuries.
  • A bus driver turns up for work under the influence of drugs and alcohol and veers off the road while on his route, causing injuries to his passengers.

The injuries sustained in accidents can vary, with the most serious examples being fatal car accidents. Whether you’ve been injured as a cyclist or a passenger in a car, you may be entitled to an MIB payout. If you’re interested in how MIB claim amounts are calculated, reach out to our advisors today

What Evidence Could Lead To You Getting The Maximum MIB Claim Amounts?

You should ensure that you receive medical attention after sustaining injuries in an accident. This heightens the chances of your recovery and will also provide you with medical evidence to support your claim.

It is important to gather as much evidence as you can to prove that third-party negligence led to the accident that caused your injuries. Relevant evidence can be:

  • CCTV or dashcam footage
  • Photographs of the scene of the accident and your injuries
  • Witness statements
  • Police report
  • Medical records 

Similar to road traffic accident claims, you can seek general and special damages through the MIB. When starting the MIB claim process, the following elements will be taken into account:

  • The severity of your injuries and the impact they have on your life 
  • Whether you need to undergo an intensive rehabilitation period
  • Financial losses, including travel costs to hospital appointments and prescription fees

You can seek out guidance to learn more about the claims process. Our advisors are offering free legal advice to help answer any questions you may have regarding MIB claim amounts and making a claim for a road traffic accident.

When Can I Have A No Win No Fee Agreement?

If our advisors can see a good chance of success from your claim, we may be able to connect you with a solicitor who can work on a No Win No Fee basis. This Conditional Fee Agreement (CFA) means that you can access legal representation without any upfront or ongoing fees.

Alongside this, there are generally no fees to pay for your lawyers’ services if you do not receive a settlement at the end of your claim. You will be required to pay your solicitor at the end of a successful claim in the form of a success fee. This sum is taken from your settlement total at a legally fixed percentage.

Call us today to learn more about No Win No Fee agreements and MIB claim amounts.

Get Advice On Getting The Average MIB Claim Amounts

Contact our advisors today to ask about MIB claim amounts and learn more about starting the claims process. You can: 

More Information On The Average MIB Claim Amounts

We’ve included some resources here that may be of use to you in your search for an MIB settlement.

  • The BBC reported on the rise of hit-and-run crashes in 2018.
  • See the Think! campaign online to learn more about road safety.
  • Visit the NHS website to gain more knowledge about first aid.

More of our guides can be seen below, which can advise you on other road traffic accident claims.

We hope our MIB claim amounts guide has supplied you with some guidance for your claim. If you still have questions that remain unanswered, please don’t hesitate to contact our team using the details above.

Writer Jess Angel 

Publisher Fern Stewart