A Guide To MIB Payout Examples
If you’ve been injured by an uninsured or untraceable driver, our specialist solicitors could help you make a claim and provide MIB payout examples.
£85 million in compensation
A Guide To MIB Payout Examples
If you’ve been injured by an uninsured or untraceable driver, our specialist solicitors could help you make a claim and provide MIB payout examples.
MIB Payout Examples And Settlement Advice
Have you been injured in an accident through no fault of your own that involved an uninsured or untraced driver? Are you wondering what your options are for making a claim? If so, please read our helpful guide looking at the Motor Insurers’ Bureau and MIB payout examples.
In this guide, you will learn all about claiming through the MIB, a not-for-profit organisation that compensates individuals involved in accidents caused by uninsured or untraced drivers. However, first, we discuss compensation and the different types of damages that might be paid out in a successful claim.
Next, we look at what claims the MIB can help with, together with some example scenarios. We will also explore the time limit for starting road traffic accident claims and the types of evidence you could use, such as CCTV footage and medical records. Lastly, we look at how one of our experienced No Win No Fee solicitors could assist you in making an MIB claim.
At JF Law, our advisors work around the clock to provide the best service they can. As part of the free services we offer, you could receive an eligibility assessment to look at the merits of your claim. To get in touch:
- Call us on 0151 375 9916
- Contact us by filling out our online form
MIB Payout Examples
In order to discuss MIB payout examples, we first need to look at general and special damages. In short, general damages compensate you for any pain and suffering you experienced as a result of your injuries. Special damages cover any financial loss stemming from the injuries you sustained.
To help assign a potential value to general damages, lawyers and legal professionals can use the Judicial College Guidelines (JCG). This document categorises various injuries by type and severity, together with suggested compensation brackets for them.
Please see the table below for a selection of guideline brackets. Since these brackets are merely suggestive, the table’s inclusion in this guide is not a guarantee of personal injury compensation. It should also be noted that the first and last 2 entries have not been taken from the JCG.
| Injury | Notes | Compensation Guideline |
|---|---|---|
| Multiple very severe injuries with financial losses | More than 1 very severe injury with special damages, such as loss of earnings and childcare costs | Up to £1,000,000+ |
| Very severe brain damage | The level of compensation will depend on numerous factors, such as the degree of physical limitations, extent of insight (if there is any), and sensory impairment. | £344,150 to £493,000 |
| Moderate brain injury (i) | Cases will feature symptoms like a change in personality, impact on speech and senses, and an intellectual deficit that is moderate to severe. | £183,190 to £267,340 |
| Less severe brain damage | This bracket will be influenced by factors such as the initial injury’s severity and extent, depression, and the degree of any personality change. | £18,700 to £52,550 |
| Severe back injuries (i) | A higher payout will involve spinal cord damage and nerve root damage | £111,150 to £196,450 |
| Moderate back injuries (i) | Injuries include soft tissue injuries, ligament disturbance, and muscle injuries. | £33,880 to £47,320 |
| Severe neck injuries (i) | Cases can include spastic quadriparesis that is permanent or incomplete paraplegia. | In the region of £181,020 |
| Moderate neck injuries (i) | This bracket may include fractures or dislocations that lead to instant symptoms and which might require spinal fusion. | £30,500 to £46,970 |
| 1 or more whiplash and minor psychological injuries | Symptoms that last longer than 18 months but no more than 24, alongside minor psychological injuries. | £4,345 |
| 1 or more whiplash injuries | Symptoms that last longer than 18 months, but no more than 24. | £4,215 |
What Is The Whiplash Tariff?
The whiplash tariff is a system that compensates individuals who meet certain criteria set out by the Whiplash Injury Regulations 2021. This fixed tariff was introduced as part of the Whiplash Reform Programme, which affected how some road traffic accident claims in England and Wales were made. These reforms specifically changed how people claim for whiplash injuries in situations where:
- A claimant is over the age of 18
- Was a passenger or driver at the time of the incident
- Suffered total damages with a value of £5,000 or less
To find out more about MIB payout examples or to discuss whiplash, please contact one of our friendly advisors today.
What Is Covered In An MIB Payout?
As mentioned above, an MIB payout can cover your injuries and the financial losses caused by them. For instance, you may have suffered multiple serious injuries that left you needing long-term physiotherapy and round-the-clock care in the home. Special damages aim to cover these and other out-of-pocket expenses, such as:
- Loss of earnings, including the future impact on your income, pension contributions, and bonuses
- Medical expenses for occupational therapy, prescriptions, and private treatments
- The cost of supporting your mental health if the accident caused a condition like PTSD
- Extra childcare costs or assistance with day-to-day tasks like cooking and cleaning (from loved ones or professional carers)
- Home modifications to address accessibility issues, such as widening hallways to accommodate a wheelchair
- Travel expenses incurred going back and forth between medical appointments
No matter what loss you claim for, special damages must be supported with evidence. This proof can include receipts, invoices, bank statements, and payslips.
To find out more about special damages and how one of our solicitors can help you prove financial losses, please get in touch. Our advisors are here throughout the week and respond quickly to all queries.
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Who Are The Motor Insurers' Bureau?
Established as a not-for-profit organisation in 1946, the Motor Insurers’ Bureau compensates individuals who have been in accidents caused by untraced or uninsured drivers. Besides paying out compensation for successful claims, the organisation maintains a database of all insured drivers in the UK. So, if you think you’ve been involved in an accident with an uninsured driver, you can quickly check the database or have your insurer do so on your behalf.
Funded by insurance premiums, the organisation works alongside the police with the goal of removing uninsured vehicles nationwide. In terms of claims, the MIB aims to make a decision on whether to pay compensation within 3 months. In its annual report, the MIB noted that it had settled more than 42,000 claims for 2022 alone.
Do you have any questions about the MIB? Or would you like to discuss information from this guide on MIB payout examples? Then, please don’t hesitate to get in touch with one of our helpful advisors today.
What Claims Can The MIB Help With?
The MIB runs a number of schemes that can help with various claims involving:
- Uninsured drivers: You are involved in a zebra crossing accident after an uninsured driver failed to stop while distracted on their phone. As a result, you sustain brain injuries and develop PTSD
- Untraceable drivers: The vehicle you are a passenger in is rear-ended in a hit and run involving a speeding car. Consequently, you are left with serious shoulder and spinal cord injuries
- Foreign registered vehicles: In such cases, you’d need the driver’s details, together with the vehicle’s registration number. You may be able to make a claim through the MIB under the Green Card scheme, an international agreement that ensures visiting motorists have the minimum insurance coverage
- Accidents abroad: Claims will depend on several factors, such as which country the accident happened in
Depending on the circumstances of the accident, you will need to meet certain eligibility criteria set out by the MIB. You can get details on what these criteria are by reaching out to our advisory team today.
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How Can I Make A Claim With The MIB?
To make a claim with the MIB, you will need to provide evidence that shows how the accident occurred, who was responsible, and what injuries you sustained. Common types of evidence in road traffic accident claims include:
- CCTV footage of the accident. You have a legal right to request CCTV footage of yourself
- Photographs or videos from the accident, such as damage to your vehicle or visible injuries like head trauma and lacerations
- Contact details of witnesses who can provide a statement to your solicitor at a later date to support your version of events
- Medical records and reports that detail your injuries and treatments
- A copy of the police report, if applicable
- Driver details. Even if the driver was uninsured, try to get their details, including contact information, registration, and vehicle model/make
If you’re connected with one of our experienced solicitors, they could help you gather evidence. They know exactly where to find and obtain proof, but the support doesn’t stop there. Once they have it, they’ll assess the strength of the evidence and organise it effectively to create a compelling narrative for your claim.
Is There A Time Limit For Starting MIB Claims?
Yes, there’s a 3-year time limit for starting MIB claims from the date of the accident, as per the Limitation Act 1980. However, the following exceptions apply for 2 categories that cannot independently make their own claims:
- If the claimant is a child, the 3-year limitation period (as time limits are also known) does not begin until their 18th birthday
- If the claimant lacks mental capacity, the time limit will be paused indefinitely. Should they regain mental capacity, the 3-year time limit will begin from the date of recovery
To discuss the steps involved in claiming or to talk about our guide on MIB payout examples, please contact our team today. Our advisors can explain time limits in further detail and detail what happens when a claimant belongs to one of the exempt groups mentioned above.
Do You Need A Solicitor For MIB Claims?
No, you do not need a solicitor for MIB claims, but we highly recommend consulting with a legal professional familiar with the process. They will know precisely what is required to make a claim, ensuring a smoother and more efficient experience.
Our dedicated solicitors aren’t just focused on the legal aspects of making an MIB claim. They understand that every client has unique circumstances and needs, and they work hard to create a supportive environment at every stage of the claims process.
Here are just some of the benefits of claiming with one of our specialist solicitors:
- Explanations of key legal terminologies, procedures, and documents, so nothing is left unclear or confusing
- Regular case updates so you always know where your claim stands
- Help with arranging an independent medical assessment to strengthen your case
- Evidence collection, from gathering eyewitness statements to making requests for copies of CCTV footage
- Negotiations on your behalf to help secure the compensation you deserve
- Help with arranging physiotherapy and other specialist support
These services and many more are all offered by our No Win No Fee solicitors under a Conditional Fee Agreement (CFA). This agreement comes with the following benefits:
- You won’t be required to pay for any upfront solicitor fees for your representative’s work
- There will also be no hidden or ongoing solicitor fees as a claim moves forward
- If your claim fails, there will be no solicitor fees to pay at all
Should you win, you will only be required to pay a small success fee for the work your solicitor did. The fee is kept small as the percentage deducted from your compensation is legally capped. Therefore, you will always receive the bulk of the compensation.
Contact JF Law’s No Win No Fee Solicitors
To get started with claiming or to discuss this guide on MIB payout examples, please contact our friendly group of advisors today:
- Call us on 0151 375 9916
- Contact us by filling out our online form
More Information
To find out more about the different types of claims we offer, please see some of our other guides:
- Learn about bus accident claims
- See the following advice about fatal injury claims
- Get help with car accident claims
Additional external resources:
- Learn about road accidents and safety statistics from the government
- Get help with whiplash injuries from the NHS
- See the following advice about managing sick leave and return to work from the Health and Safety Executive (HSE)
Thank you for reading our helpful guide about MIB payout examples and how to make a claim.
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