MIB injury claims against uninsured drivers
Our personal injury solicitors secure compensation and rehabilitation for people who have suffered severe injury in accidents caused by uninsured or untraced ‘hit and run’ drivers.
Compensation for victims of uninsured and hit-and-run drivers.
After a road accident, it is standard practise for drivers to stop and exchange insurance details. Drivers are required by law to have third party motor insurance so that compensation can be paid by their insurers to anyone who is injured by their negligent driving. A driver who is not insured or fails to stop and provide their insurance details after causing an accident is breaking the law, but their injured victims may be able to claim compensation from the Motor Insurers’ Bureau (MIB).
We strongly advise anyone who has suffered serious injury in an accident caused by a hit-and-run or uninsured driver to contact our personal injury solicitors immediately for urgent advice. We will carry out the necessary steps to investigate, notify, gather additional evidence and negotiate your claim with the MIB on your behalf to ensure you receive the level of compensation you deserve.
Making your MIB claim through our specialist solicitors can significantly increase the compensation you receive.
- Nationally recognised personal injury specialists with decades of experience
- Access to leading medical experts and rehabilitation professionals
- Proven track record of securing life-changing compensation for families
- Dedicated support from initial enquiry through to settlement
- No upfront costs and claim through a no win no fee agreement
Starting your MIB injury compensation claim
It costs nothing to talk to us to find out about making an injury compensation claim for yourself or a member of your family. You can contact us for free, confidential advice from a specialist personal injury solicitor. In serious injury cases, we often visit our clients in the hospital or at their home if they are unable to get to our offices.
We will ask you to tell us briefly about the accident and injury. We will advise you about your time limits and whether we can help you make a claim. Your solicitor will discuss with you how your claim will be funded and advise, fully and clearly, how that works and what it will mean for you. We offer a range of funding options, but most of our clients’ claims are handled on a ‘no win no fee’ basis. We will handle your MIB claim and all communication on your behalf. In a road accident injury claim the defendant driver’s insurers usually handle the claim on the driver’s behalf and are responsible for paying any compensation. However, if the defendant driver was uninsured at the time of the accident or cannot be traced, the response to the claim will be handled by insurers appointed by MIB. Once we are in contact with the insurers, we can begin to secure the necessary rehabilitation and specialist support to meet the injured person’s immediate needs whilst we proceed with the claim.
No win, no fee
No hidden or upfront costs. Clear, straightforward advice. Nothing to pay unless your claim is successful.
Over 30 years’ experience
We have helped thousands of clients claim compensation.
Fully regulated
Authorised and regulated by the Solicitors Regulation Authority.
MIB claims FAQs
What is the Motor Insurers' Bureau (MIB)?
The Motor Insurers’ Bureau or MIB was set up in 1946 to provide compensation for victims of road traffic accidents (RTAs) caused by uninsured and untraced (hit and run) drivers. MIB’s responsibility to handle claims and make compensation payments comes from The Uninsured Drivers’ Agreements and The Untraced Drivers’ Agreements, made with the government. MIB can only pay compensation in circumstances where compulsory motor insurance should have been in place, such as where someone’s death or injury was caused by the use of a motor vehicle on a road or a public place.
Following injury in a road traffic accident, MIB can provide injury compensation for:
- victims of uninsured drivers;
- victims of untraced drivers (hit and run accidents);
- UK residents involved in accidents with foreign-registered vehicles, in the UK or in some foreign countries.
Every company which underwrites motor insurance must be an MIB member. A proportion of every insured driver’s insurance premium goes towards funding the MIB. Since the MIB was created, it has paid out over £2 billion in claims to people who were entitled to compensation but could not claim in the usual way from the negligent driver’s insurer.
Who can make an MIB compensation claim?
We claim compensation from the MIB for clients who have been seriously injured in road accidents which were the fault of another driver who was uninsured or cannot be traced.
MIB claims can relate to injuries caused by untraced or uninsured drivers in:
- car accidents;
- collisions with cyclists;
- motorcycle or moped accidents;
- e-scooter accidents;
- van, minibus, taxi or HGV accidents;
- collisions with pedestrians.
Compensation can be claimed by:
- injured drivers;
- injured riders;
- injured cyclists
- injured passengers;
- injured pedestrians;
- the deceased’s dependent family members (in fatal accidents).
To speak to a solicitor for advice about your road accident injury claim, contact our specialist personal injury team.
Can I claim compensation for injury from a road accident caused by an uninsured driver?
Yes. Under the MIB’s Uninsured Drivers’ Agreements with the government, the MIB provides insurance cover in situations where an identified but uninsured driver has caused an accident and injury to another motorist or pedestrian.
As long as the injured person who is making the claim has complied with the MIB’s rules, they are entitled to receive the same level of compensation that they would receive in a civil claim.
We strongly recommend that anyone who has suffered serious injury in a road accident caused by an uninsured driver contacts us immediately. Swift action and specialist legal representation will significantly increase your prospects of success and the amount of compensation that you receive.
Can I claim compensation for injuries from a road accident caused by an untraced (hit-and-run) driver?
Yes. The MIB’s Untraced Drivers’ Agreements with the government allow the MIB to pay compensation in situations where a driver who cannot be identified has caused a road accident and injury to another motorist or pedestrian.
Road traffic accidents covered by the Untraced Drivers’ Agreements include:
- where injury was caused by a ‘hit and run’ accident;
- where someone was injured by their vehicle being run off the road;
- where the driver who caused the accident leaves the scene;
AND
- where the driver or their vehicle cannot be traced or identified by other means, such as the vehicle’s registration plate, witness or other evidence, police investigations or other enquiries.
As long as the injured person making the claim has complied with the MIB’s rules, they are entitled to receive an award from the MIB, equivalent to the compensation they would receive in a civil claim.
We strongly recommend that anyone who has been seriously injured in an RTA caused by a hit-and-run or untraceable driver contacts us immediately. Swift action and specialist legal representation will significantly increase your prospects of success and the amount of compensation you receive.
What are my obligations when making an MIB claim?
Our experienced personal injury lawyers are here to help injured RTA victims and their families at this difficult time. We can advise you about your rights and what to expect, help you meet your obligations, and register your claim, gather important evidence and negotiate with the MIB on your behalf. Strict rules and time limits apply for MIB claims arising from accidents and injuries caused by uninsured or untraced drivers, so we strongly recommend you contact us straight away.
MIB may reject your claim if you fail to comply with the following obligations:
- You must report the accident to the police as soon as possible. We recommend you do this immediately as in some cases, accidents must be reported to the police within five days. You must obtain an incident reference number from the police, and a written acknowledgement that you have reported the accident. Without this, MIB may refuse to handle your claim.
- You must cooperate with police enquiries or investigations. The police need to be able to act quickly to investigate the accident, trace the vehicle and identify or prosecute the driver. The MIB will need to be satisfied that every attempt has been made to identify and trace an ‘untraced’ driver.
- You must notify your own motor insurers (unless you were a pedestrian) and the insurers of any other vehicles involved in the accident. Your own insurer may be able to trace the other driver or their insurer.
- You must make your MIB claim within 3 years, otherwise you will lose your right to claim.
- You must give MIB with as much help or evidence as needed to investigate your claim.
Will my own actions affect my eligibility to make an MIB injury claim?
MIB will not accept claims where:
- the injured claimant was wholly responsible for their own injury;
- the injured claimant was in an uninsured vehicle at the time of the accident;
- the accident occurred whilst the injured claimant was allowing themselves to be driven in a vehicle which they knew:
- was uninsured;
- had been stolen or taken unlawfully;
- was being used to commit a crime or escape from the police.
The MIB will not pay compensation to an injured person who has already received compensation for the same injury from elsewhere.
What compensation can I claim from MIB?
Each client’s compensation depends on the severity of their injury, its impact on their life and the cost of meeting their needs arising from their disability. Other factors, such as the client’s own circumstances and whether they were partly to blame for their accident or injury, can also affect the value of the claim.
MIB claims for severe injury can include compensation for:
- pain, suffering, and disability;
- costs of rehabilitation;
- costs of care and case management;
- medical expenses and costs of therapies;
- specialist vehicles, equipment and assistive technology;
- prosthetics (after amputation);
- increased costs of accommodation or home adaptations;
- financial loss, such as earnings and pension;
- SEN support with special educational needs (if a child);
- Court of Protection and deputyship costs.
Making a claim against uninsured drivers
We understand how daunting it can feel to take the first step. Our specialist personal injury solicitors are here to guide you through every stage.
Getting in touch
Call us or complete our online form to receive free, confidential advice from one of our specialist road traffic accident solicitors. We will listen carefully to your circumstances, explain your legal options in clear and straightforward terms, and advise whether you can make a claim through the Motor Insurers’ Bureau (MIB) following an accident involving an uninsured or untraced driver.
Supporting your claim
Our specialist solicitors will gather the evidence needed to support your claim, including medical records, witness statements, police reports, accident reports, and any other relevant evidence. They will build a clear picture of how the accident happened, the injuries you have suffered, and the impact they have had on your life. We will manage the claims process with the MIB on your behalf and, where appropriate, seek an interim payment to help meet your immediate needs.
Securing compensation
Our solicitors work to secure the maximum compensation available as quickly as possible. We aim to ensure you have the financial support you need for rehabilitation, medical treatment, care, specialist equipment, lost earnings, and any other assistance required to support your recovery and future wellbeing after an accident caused by an uninsured or untraced driver.
Contact us
If you would like advice regarding a serious injury or illness affecting you or a loved one, please complete the form and one of our experts will be in touch as soon as possible.
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Professionalism and continued reassurance
Our clients receive the highest standards of advice and representation and are always treated with compassion, outstanding care and understanding of the physical, emotional, psychological and financial impact that life-changing injury can have upon their lives.
- We are nationally acclaimed for our personal injury expertise and the outstanding results we achieve for our clients.
- We are ranked as leading personal injury experts in the Chambers Directory and Legal 500 guides to the legal profession and are accredited for our specialist expertise by the Law Society and the Association of Personal Injury Lawyers (APIL).
- Our integrated multidisciplinary team offers our clients a full range of specialist help with compensation, rehabilitation, SEN, deputyship, personal injury trusts and community care.
- We secure early, funded rehabilitation and maximum compensation in claims for adults and children who have suffered catastrophic injury, and provide practical support for their families.
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