If you’ve been in an accident with an uninsured or untraced driver, you may still be able to make a Motor Insurers Bureau Claim. The Motor Insurers’ Bureau (MIB) exists to compensate victims of hit and run accidents or uninsured drivers. This guide explains the claim process, the types of compensation claims available, and how No Win No Fee claims work.
Key Facts
- The Motor Insurers’ Bureau (MIB) compensates victims of accidents involving uninsured or untraced drivers in England and Wales.
- Claims can be made for both personal injury and property damage, provided they meet the MIB’s eligibility criteria.
- The Motor Insurers Bureau Claim Form is required for submission, along with supporting evidence such as police reports and medical records.
- You can contact the MIB for assistance via the Motor Insurers Bureau Contact Number or the Motor Insurers Bureau Email Address.
- Fentons could be able to help you claim on a No Win No Fee basis, guiding you through the legal requirements and claim process.
- Key Facts
- What Is the Motor Insurers' Bureau (MIB)?
- Who Is Eligible to Make a Claim With the MIB?
- How Do I File a Claim With the Motor Insurers' Bureau?
- Can I Appeal a Decision Made by the MIB?
- What Is the Role of the MIB in Uninsured Driver Incidents?
- Does the MIB Cover Hit and Run Accidents?
- How Does the MIB Handle Untraced Driver Claims?
- Can I Claim for Property Damage Through the MIB?
- What Compensation Can I Receive From an MIB Claim?
- Are There Time Limits for Submitting an MIB Claim?
- What Evidence Is Required for an MIB Claim?
- Making a No Win No Fee MIB Claim
- Find Out How Fentons Can Help Make a Motor Insurers Bureau Claim
- Motor Insurers Bureau Claim FAQ
What Is the Motor Insurers’ Bureau (MIB)?

The Motor Insurers’ Bureau (MIB) is a non-profit organisation that helps victims of hit and run accidents and incidents involving uninsured drivers. Funded by a levy on insurance companies, the MIB ensures that individuals who suffer injuries or property damage due to uninsured or untraced drivers still have a route to compensation. The organisation operates under the legal framework of the Road Traffic Act 1988, which sets out the obligations of motor insurers to contribute to the scheme.
The MIB provides compensation for:
- Personal injury claims arising from accidents with uninsured or untraced drivers.
- Property damage claims where there is evidence of the responsible vehicle’s involvement.
- Accidents caused by foreign-registered vehicles under the Green Card system.
- Victims of hit and run accidents who have suffered financial losses due to a driver fleeing the scene.
The Motor Insurers’ Bureau Contact Number and Motor Insurers Bureau Email Address can be used to obtain further information on eligibility and application procedures. The MIB plays a crucial role in ensuring justice for road traffic accident victims who would otherwise be left without support.
Who Is Eligible to Make a Claim With the MIB?
Not everyone involved in an accident can automatically file a Motor Insurers Bureau Claim. There are specific legal requirements that must be met to qualify for compensation. The MIB has strict rules regarding who is eligible to make a claim, ensuring that only genuine victims of uninsured or untraced drivers receive support.
To qualify, you must:
- Have been involved in an accident in England, Wales, Scotland, or Northern Ireland.
- Be the victim of a hit and run accident or an incident caused by an uninsured driver.
- Have suffered personal injury or property damage due to the accident.
- Have reported the accident to the police within a reasonable timeframe.
- Provide evidence to support your claim, including witness statements, medical records, and police reports.
Importantly, claims for property damage are only considered if the uninsured vehicle has been identified. If the driver is untraced, compensation is typically limited to personal injury claims. Ensuring you meet these criteria before filing a claim can help avoid unnecessary delays or rejections.
How Do I File a Claim With the Motor Insurers’ Bureau?
Filing a Motor Insurers Bureau Claim involves a structured claim process that requires careful documentation and adherence to specific deadlines. The process ensures that legitimate claimants receive fair compensation while minimising fraudulent claims.
To file a claim, follow these steps:
- Report the accident – Notify the police as soon as possible, particularly in cases involving hit and run accidents or untraced drivers.
- Gather evidence – Obtain witness statements, medical records, and photographic evidence of the accident scene and vehicle damage.
- Complete the Motor Insurers Bureau Claim Form – This form is essential for processing your claim and can be accessed through the MIB website.
- Submit your claim – Send the completed form along with supporting evidence via the Motor Insurers Bureau Email Address or post.
- Await investigation – The MIB will assess the claim, gather additional details if necessary, and determine eligibility for compensation.
The MIB may take several months to process claims, depending on their complexity. It is advisable to seek assistance from a claims management firm, as they can help navigate the process efficiently. Fentons could be able to help you claim, ensuring all legal requirements are met and maximising your chances of a successful outcome.
Can I Appeal a Decision Made by the MIB?
If your Motor Insurers Bureau Claim is rejected or you receive a lower-than-expected offer, you may have the right to appeal. The MIB appeal process allows claimants to challenge decisions they believe to be unfair. However, appeals must be supported by strong evidence and adhere to MIB guidelines.
Steps to appeal an MIB decision:
- Request a review – Contact the MIB using the Motor Insurers Bureau Contact Number to request an internal review of your claim.
- Provide additional evidence – Submit new or previously overlooked evidence, such as medical reports, witness statements, or police records.
- Seek legal advice – Consulting a claims specialist can strengthen your appeal. Fentons could be able to help you claim by reviewing the MIB’s decision and advising on the best course of action.
- Escalate the appeal – If the internal review is unsuccessful, the case can be referred to an independent arbitrator or the courts.
Appealing an MIB decision can be time-consuming, but it may result in a more favourable outcome. Ensuring you follow the correct procedures and provide sufficient evidence is essential for success.
What Is the Role of the MIB in Uninsured Driver Incidents?
The Motor Insurers’ Bureau (MIB) plays a crucial role in ensuring that victims of accidents caused by uninsured drivers do not suffer financial hardship. Under UK law, all drivers must have valid insurance, but thousands of motorists drive illegally without coverage. When an uninsured driver causes an accident, the victim may struggle to recover damages. This is where the MIB steps in, acting as a safety net for those affected.
The MIB’s role includes:
- Compensating victims who have suffered personal injury due to an uninsured driver.
- Covering property damage in cases where the uninsured driver can be identified.
- Ensuring compliance with legal requirements, as mandated by the Road Traffic Act 1988.
- Reducing the impact of uninsured drivers by working with law enforcement agencies to tackle illegal driving.
- Processing claims efficiently, ensuring that victims receive compensation as quickly as possible.
If you’ve been injured in an accident caused by an uninsured driver, you may be able to make a claim through the MIB. Fentons could be able to help you claim and guide you through the claim process on a No Win No Fee basis.
Does the MIB Cover Hit and Run Accidents?
Yes, the Motor Insurers’ Bureau (MIB) provides compensation for victims of hit and run accidents where the driver cannot be traced. These incidents often leave victims with severe injuries and property damage, yet without a responsible party to claim against, they may struggle to recover losses. The MIB ensures that those impacted by untraced drivers are not left without support.
To claim compensation for a hit and run accident, you must:
- Report the accident to the police as soon as possible.
- Provide evidence of the incident, such as witness statements and medical reports.
- Demonstrate that you have attempted to identify the driver, if possible.
- Submit a Motor Insurers Bureau Claim Form with all necessary documentation.
- Wait for the MIB’s investigation, which will assess your eligibility for compensation.
The MIB’s process for hit and run accidents aims to ensure fairness while preventing fraudulent claims. If your claim is legitimate and meets the necessary legal requirements, you may be entitled to compensation. Fentons could be able to help you claim and guide you through the process.
How Does the MIB Handle Untraced Driver Claims?
When an accident is caused by an untraced driver, victims may feel hopeless, unsure of how to recover damages for personal injury or property damage. The Motor Insurers’ Bureau (MIB) provides a structured claim process that helps those affected by untraced drivers receive fair compensation. However, these claims are subject to strict eligibility criteria and require substantial evidence.
The MIB assesses untraced driver claims by:
- Verifying police reports to confirm that the driver could not be identified.
- Reviewing medical records if claiming for personal injury.
- Considering witness statements that support the claimant’s version of events.
- Assessing the circumstances of the accident to ensure the claim is genuine.
- Processing compensation claims fairly, ensuring victims receive the support they need.
While the process may take time, successful claims provide essential financial relief to those impacted. If you have been injured or suffered damages due to an untraced driver, Fentons could be able to help you claim and navigate the MIB’s procedures.
Can I Claim for Property Damage Through the MIB?
Victims of uninsured drivers or hit and run accidents often wonder if they can recover the cost of property damage. The Motor Insurers’ Bureau (MIB) does compensate for property damage in certain cases, but strict rules apply. If the driver responsible for the accident is uninsured, the MIB may cover vehicle repair costs or replacement expenses. However, if the driver is untraced, property damage compensation is only available under limited circumstances.
To claim for property damage, you must:
- Prove the uninsured driver’s liability, such as through police reports or witness statements.
- Demonstrate that the driver was identified (property damage claims are not available for untraced drivers unless there was significant personal injury).
- Provide evidence of repair costs or replacement estimates.
- Show that the vehicle was insured at the time of the accident, as uninsured claimants are not eligible.
If you believe you are eligible for a property damage claim through the MIB, seeking professional assistance can increase your chances of success. Fentons could be able to help you claim and ensure you follow the correct procedures to receive fair compensation.
What Compensation Can I Receive From an MIB Claim?
When making a Motor Insurers Bureau Claim, you may be entitled to different types of compensation depending on the nature and severity of your losses. The Motor Insurers’ Bureau (MIB) compensates victims for both personal injury and property damage, ensuring that those affected by uninsured drivers or hit and run accidents receive financial support.
Compensation from an MIB claim may cover:
- Personal injury compensation – Covers pain, suffering, and long-term health effects.
- Medical expenses – Includes treatment costs, rehabilitation, and specialist care.
- Loss of earnings – Provides financial relief if the injury prevents you from working.
- Property damage – Covers repairs or replacement of damaged vehicles if the responsible driver is identified.
- Other financial losses – Includes travel expenses, care costs, and modifications to your home if required due to injury.
The amount of compensation depends on the severity of your injuries and financial losses. Fentons could be able to help you claim, ensuring you receive everything you are entitled to under MIB regulations.
Whiplash Payment Table and Other Examples
Table A Amount | Table B Amount | Injury Duration |
---|---|---|
£240 | £260 | Up to 3 months |
£495 | £520 | Between 3 and 6 months |
£840 | £895 | Between 6 and 9 months |
£1,320 | £1,390 | Between 9 and 12 months |
£2,040 | £2,725 | Between 12 and 15 months |
£3,005 | £3,700 | Between 15 and 18 months |
£4,215 | £4,345 | Between 18 and 24 months |
Death (Mental Anguish) – £5,700 – For individuals experiencing extreme distress due to impending death, particularly parents of young children suffering mental anguish over three months.
Moderately Severe Head Injury – £267,340 to £344,150 – For profound disabilities requiring constant care, including severe cognitive impairment or limb paralysis. Award depends on life expectancy, insight, and future medical risks.
Severe Post-Traumatic Stress Disorder (PTSD) – £73,050 to £122,850 – For permanent PTSD preventing normal functioning, work, or relationships. Symptoms include extreme distress, flashbacks, and emotional instability.
Total Loss of One Eye – £66,920 to £80,210 – Compensation varies based on age, psychological impact, and cosmetic consequences of losing an eye.
Serious Chest Injury – £122,850 to £183,190 – For major chest injuries, including lung removal or heart damage, causing chronic pain, breathing issues, and permanent scarring.
Are There Time Limits for Submitting an MIB Claim?
Yes, there are strict time limits for filing a Motor Insurers Bureau Claim, and failing to meet them may result in your claim being rejected. The MIB claim process follows legal guidelines to ensure timely applications.
The main time limits for MIB claims are:
- For personal injury claims – You must file your claim within three years from the date of the accident.
- For property damage claims – You must submit your claim within six years, provided the uninsured driver is identified.
- For claims involving minors – If the victim is under 18, the three-year time limit starts from their 18th birthday.
- For hit and run accidents – The incident must be reported to the police within a reasonable timeframe (usually within 14 days).
Acting quickly increases your chances of success. If you are unsure whether you are within the required time limits, Fentons could be able to help you claim and guide you through the process.
What Evidence Is Required for an MIB Claim?
Providing strong evidence is crucial to the success of your Motor Insurers Bureau Claim. The MIB requires claimants to submit detailed documentation to verify their claim and prevent fraudulent applications. Gathering the right evidence from the start can help speed up the claim process.
Essential evidence for an MIB claim includes:
- Police reports – Proof that the accident was reported, especially for hit and run accidents.
- Medical records – Documentation of injuries and medical treatment.
- Witness statements – Testimonies from people who saw the accident.
- Photographic evidence – Images of the accident scene, vehicle damage, and injuries.
- Repair estimates – If claiming for property damage, a repair invoice or replacement cost must be provided.
- Proof of financial losses – Payslips or bank statements showing lost income due to injury.
The more evidence you can provide, the stronger your case will be. Fentons could be able to help you claim, ensuring you submit the correct documents and maximise your chances of a successful claim.
Making a No Win No Fee MIB Claim
Many victims of uninsured drivers or hit and run accidents worry about the cost of making a claim. However, a No Win No Fee arrangement allows you to pursue compensation without financial risk. This means you only pay legal fees if your claim is successful, making the process accessible to everyone.
Benefits of a No Win No Fee MIB claim include:
- No upfront costs – You do not have to pay any legal fees to start your claim.
- No financial risk – If your claim is unsuccessful, you will not be charged.
- Access to professional help – Experienced claims management firms handle the process for you.
- Higher chances of success – Experts ensure your application meets all legal requirements.
- Less stress – You can focus on recovery while your claim is managed professionally.
A No Win No Fee claim is often the best option for those unsure about their eligibility or concerned about legal fees. Fentons could be able to help you claim, ensuring you get expert assistance without any financial risk.
Find Out How Fentons Can Help Make a Motor Insurers Bureau Claim
If you’ve been in an accident with an uninsured or untraced driver, Fentons could be able to help you claim the maximum compensation you deserve. With over 30 years of experience, our claims professionals offer expert assistance, ensuring that your case is handled efficiently and fairly. We provide free legal advice from friendly, knowledgeable experts who guide you through the Motor Insurers Bureau Claim process. Whether you need help filing a claim or appealing a rejection, we’re here to support you. To find out if you can claim compensation, Call 0333 000 0723 or contact us today.
Motor Insurers Bureau Claim FAQ
How Long Does the MIB Claim Process Take?
The Motor Insurers Bureau Claim process can take several months, depending on the complexity of the case. Straightforward claims may be resolved in a few months, while cases requiring further investigation can take over a year.
How Does the MIB Fund Compensation Payouts?
The Motor Insurers’ Bureau (MIB) is funded by a levy on insurance companies. This means that a portion of every motor insurance premium in the UK contributes to compensating victims of uninsured drivers and untraced drivers.
What Are the Common Reasons for MIB Claim Rejections?
MIB claims may be rejected if:
- The accident was not reported to the police within the required timeframe.
- Insufficient evidence is provided to support the claim.
- The claimant was uninsured at the time of the accident.
- The claim does not meet legal requirements under MIB agreements.
Do I Need Legal Representation for an MIB Claim?
While legal representation is not mandatory, having an expert on your side can significantly improve your chances of success. Fentons could be able to help you claim, ensuring all paperwork is correctly submitted and maximising your compensation.
What Is the Uninsured Drivers Agreement?
The Uninsured Drivers Agreement is a framework under which the MIB compensates victims of uninsured drivers. It covers personal injury and, in some cases, property damage, provided the at-fault driver can be identified.
What Is the Untraced Drivers Agreement?
The Untraced Drivers Agreement allows victims of hit and run accidents to claim compensation when the responsible driver cannot be found. Claims under this agreement require prompt reporting to the police and strong supporting evidence. The situation is different if you are injured in an accident and you are not insured.
How Does Brexit Affect MIB Claims?
Following Brexit, the UK is no longer part of the EU’s Green Card system. However, the Motor Insurers’ Bureau (MIB) still handles claims involving foreign-registered vehicles in accordance with international agreements.
What Are the Recent Changes in MIB Policies?
Recent updates to MIB policies include stricter evidence requirements for personal injury claims and revised compensation guidelines under the Uninsured Drivers Agreement and Untraced Drivers Agreement. Staying informed on these changes is crucial for claimants.
Where Can I Find More Information About the MIB?
You can find official details about the Motor Insurers’ Bureau (MIB) on their website. Alternatively, you can reach out via the Motor Insurers Bureau Contact Number or Motor Insurers Bureau Email Address for direct assistance.
MIB Claim Resources
- NHS – Head Injury and Concussion – NHS guide on head injuries, including symptoms and treatment advice.
- GOV.UK – Litigation Friends – Overview of litigation friends, who can represent individuals unable to manage their own legal claims.
- GOV.UK – Statutory Sick Pay (SSP) – Government information on statutory sick pay for those unable to work due to injury or illness.