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:
- Call 020 8050 2736
- Contact us on our website
- Use the live chat to ask any questions
MIB claim amounts guide
Choose A Section
- Guidance On Making An MIB Claim
- Calculating The Average MIB Claim Amounts
- Explaining MIB Claims
- What Evidence Could Lead To You Getting The Maximum MIB Claim Amounts?
- When Can I Have A No Win No Fee Agreement?
- 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:
- Lorry and HGV accidents
- Cyclists accidents
- Accidents involving car drivers and passengers
- Pedestrian accidents
- Taxi accidents
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.
Calculating The Average MIB Claim Amounts
When you make a successful road traffic accident claim, you can receive general and special damages. General damages relate to the physical and psychological pain you’ve experienced as a result of the injuries you sustained in the accident. Injuries you could experience as a result of this kind of accident could include:
- Sprains and torn ligaments
- Fractures, such as a broken leg
- Head, neck and back injuries such as whiplash
- Amputations
- Psychological injuries such as depression, anxiety and emotional distress
Special damages compensate you for any financial losses as a result of sustaining injuries after third-party negligence. 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.
The Judicial College Guidelines (JCG) provide compensation brackets for general damages. This publication is used by legal professionals to assist in valuing claims. We’ve included some examples below from the JCG that may assist you in calculating MIB claim amounts.
| Injury | Compensation | Description of Injury |
|---|---|---|
| Very Severe Brain Damage (a) | £282,010 - £403,990 | Injuries may lower life expectancy and cause physical limitations. Full-time nursing care will be required in most cases. |
| Moderately Severe Brain Damage (b) | £219,070 - £282,010 | Serious disabilities can cause limb paralysis and risks of developing other severe medical problems. |
| Amputation of Both Legs (i) | £240,790 - £282,010 | The level of the award will depend on the severity of phantom pain, psychological issues and the success of prosthetics. |
| Below-knee Amputation of Both Legs (ii) | £201,490 - £270,100 | Amputation occurs below the knee on both legs, risking developing degenerative changes in the hips, spine and remaining lower limb joints. |
| Above-knee Amputation of One Leg (iii) | £104,830 - £137,470 | Additional factors will determine the level of award, including additional backache, psychological injuries and phantom pains. |
| Severe Neck Injury (a) (i) | In the region of £148,330 | Injuries are associated with incomplete paraplegia with little to no movement. The injured person will also suffer from severe headaches. |
| Severe Neck Injury (a) (ii) | £65,740 - £130,930 | Serious fractures or damage to discs in the spine can give rise to severe disabilities and loss of movement in the neck. |
| Severe Neck Injury (a) (iii) | £45,470 - £55,990 | Severe damage is caused to soft tissue and tendons, causing chronic conditions and disabilities that permanently affect the injured person. |
| Very Severe Ankle Injury (a) | £50,060 - £69,700 | Injuries in this bracket are specific and unusual, including transmalleolar fracture of the ankle, soft tissue damage and deformity. |
| Severe Ankle Injury (b) | £31,310 - £50,060 | Injuries require extensive treatment and may impact employment, regularly disturb sleep and cause unsightly scarring. |
It is important to note that the brackets of compensation above are a guideline. Our advisors can supply you with a more detailed estimate of what your MIB settlement may be worth. Get in touch, and if you have a valid case, you could be connected with a No Win No Fee lawyer from our panel.
Whiplash Reform Programme
The Whiplash Reform Programme has changed the way that certain low-value road traffic accident claims are made. It means that now, personal injury claims made by adult drivers and passengers that are worth less than £5,000 may need to be made through an online government portal. Furthermore, they could be valued based on the tariff amounts from the Whiplash Injury Regulations 2021. However, these tariff amounts might also apply to claims that are not made through the online portal.
To find out more about these reforms and whether they could impact your claim, speak with an advisor today.
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:
- Use the live chat feature
- Call us at 020 8050 2736
- Visit the contact us page on our website
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.
- Maximum car accident claim payouts are discussed in this guide.
- If you’ve had an accident on public transport, we can help you with the claims process.
- Read about how long car accident personal injury claims take.
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