MIB Untraced Driver Accident Claims Explained

Welcome to our guide explaining the Motor Insurers’ Bureau (MIB) untraced driver claims. If you’ve been injured in a car accident and the faulting motorist cannot be traced, you could still claim compensation via the MIB. 

MIB untraced driver

A guide about using the MIB after an untraced driver injures you

There have been recent changes to the claims process for road traffic accident claims injuries valued under £5,000. If you’re a motor passenger or driver, your injuries are valued under £5,000, and you are over 18, you must now apply for compensation through an online portal. These changes are upheld in the Whiplash Reform Programme. However, these rules only apply when the driver at fault is known, so you would still claim via the MIB if an untraceable driver has harmed you. 

Read on to find out more about how to claim via the MIB if you’re injured by an untraced driver. You can also get in touch with our team of advisors at any time for free legal advice without any obligation to start your claim. If you decide you want to start a claim, you can talk to a solicitor from our panel, who can guide you through the MIB claims process. 

Select A Section

  1. What Is The Motor Insurers’ Bureau?
  2. Why Make An MIB Untraced Driver Claim?
  3. How Do You Make A Claim Against An Untraced Driver?
  4. How Do MIB Untraced Driver Accident Claims Work?
  5. Calculating MIB Untraced Driver Claims
  6. Contact Us To Start Your MIB Untraced Driver Claim

What Is The Motor Insurers’ Bureau?

The MIB aims to compensate people who have experienced a road traffic accident where the driver is uninsured or untraceable. You can claim via the MIB once you have reported the incident to the police. 

Under the Road Traffic Act 1988, a driver has a duty to stop and exchange information if they have caused damage or harm in an accident. The victim could be a pedestrian, cyclist, motorist, motorcyclist or scooter rider. If a driver causes an accident and does not stop their vehicle, this is a hit and run offence. 

For example, suppose another driver collided with you due to not paying attention to the road and did not stop their car. In that case, you could potentially claim through the MIB for any injuries or damage if the police could not find the perpetrator. 

To find out more about claiming through the MIB, call our advisors today. 

Why Make An MIB Untraced Driver Claim?

To make a personal injury claim, it is important to know the party at fault so that you can claim against their insurance. If this is not possible, you can claim through the MIB. The process is generally similar to a personal injury claim. 

If the party at fault for your accident did not provide their details or did not have the relevant insurance to claim from, you could still claim compensation for any injuries or damage caused by the accident. This would be when you could apply to the MIB. 

How Do You Make A Claim Against An Untraced Driver?

There are a few steps you can take before you approach the MIB for compensation. Firstly, if you have come to harm after a car accident, we first recommend seeking medical attention. You could ring 111 for non-emergency advice for mild injuries, or visit the GP you are registered with. If necessary, you may need to call for an ambulance on 999 or visit your nearest emergency room. Once you have sought medical help, you could then start thinking about how you could claim via the MIB after an untraced driver accident. 

It is important that you report the accident to the police. If it was a hit and run incident, this is considered a driving offence under the Road Traffic Act 1988. Generally, you should report the incident to the police within 24 hours. However, for MIB claims, you should report it to the police within 14 days if you have suffered a personal injury and 5 days if you have not. 

You could also start to gather evidence to help your case. The more evidence you provide to the MIB, the quicker they are likely to make a decision on your application for compensation. You don’t need a lawyer to help you collate evidence, but it could be useful to hire one. A solicitor will have experience with such claims and can advise you on what evidence will support your case the most. Some examples of evidence could include:

  • Photographs
  • Witness statements
  • Medical reports
  • CCTV footage

If you would like to hire a solicitor to help you with this process, you can get in touch with us today. 

How Do MIB Untraced Driver Accident Claims Work?

As mentioned, you must report your untraced driver accident to the police as soon as possible before you approach the MIB. This is so the MIB can see that you have attempted to find the driver so that you can claim from them directly. It is possible that the police could find the driver. If the driver is tracked, you could make a personal injury claim against their insurance. 

If they are unsuccessful in finding the driver, you could claim through the MIB for an untraced driver accident. 

Unlike a personal injury claim, you can claim through the MIB without a personal injury; you can claim for just property damage. However, if your vehicle is damaged in some way by the accident, the MIB recommends that you try to fix any issues through your own insurance first, if possible. 

The MIB will consider any evidence you provide, but they will also conduct their own investigation into your case. During their investigation, they may:

  • Obtain a police report
  • Contact other relevant parties, such as your insurance provider
  • Establish the facts
  • Confirm who was involved
  • Seek reports from witnesses or engineers
  • If there is a personal injury, obtain relevant medical forms

The length of time it takes to settle a MIB claim may vary, depending on the case’s complexity. Generally, the MIB tries to conclude cases as quickly as possible. 

Calculating MIB Untraced Driver Claims

This section includes a table of potential compensation amounts for a claim through the MIB for an untraced driver injury. The figures in this table are taken from the Judicial College Guidelines and calculated from past case studies, so they are not guaranteed. Legal professionals use this document to help value general damages in claims. This element of your compensation aims to redress you for any physical or psychological issues your injuries have caused. 

Wrist(d)Rarely exceeds £9,620Recovery from a fracture or soft tissue injury takes longer but is complete.
LegAmputation (i)£225,960 to £264,650The loss of both legs. Both above the knee or one above the knee and one below. This bracket will be judged on associated psychiatric issues, the success of prosthetics, phantom pains and other side effects such as backache.
BackMinor (ii)£2,300 to £7,410A full recovery takes place without surgery between 2 months and 3 years. Short-term exacerbation of injuries for less than 2 years.
Finger(m)£8,110 to £11,490The amputation of the little finger.
Achilles TendonMost SeriousIn the region of £36,060Severance of the tendon and muscle giving rise to cramp, restricted ankle movement and swelling.
Deafness(c)£29,380 to £42,730Total loss of hearing in one ear. There may be associated issues, such as tinnitus, headaches and dizziness.
NeckModerate (iii)£7,410 to £12,900Injuries that have exacerbated a pre-existing condition for less than 5 years. Also, soft tissue injuries that result in a vulnerability to future trauma.
Scarring-£7,350 to £21,330Noticeable laceration scars, or single disfiguring scar, on the arms, hands, legs, back or chest.
PTSDModerate£7,680 to £21,730A large recovery will have been made and any lasting effects will not be greatly disabling.

You could also seek special damages as part of your claim. This compensates you for specific financial losses relating to the accident. For example, your injuries may have necessitated an expensive medical procedure that is not covered by the NHS, such as some cosmetic surgeries. You could claim this expense back in special damages. 

You can claim for future losses as well. If your injury is likely to affect you for a long time, you can calculate the financial issues this may cause you and recover the costs. 

Get in touch today to find out more about how much you could claim. 

Contact Us To Start Your MIB Untraced Driver Claim

If you’ve been injured in an accident caused by an untraced driver, you could be entitled to compensation through the MIB. You don’t need a solicitor to help you with a MIB claim, but they could make a difference to your claim. A lawyer would have the requisite knowledge and experience to help you get as much as possible from your road traffic accident claim. But how much does it cost to hire a solicitor?

The solicitors on our panel offer their services on a No Win No Fee basis for the claims they accept. What does this mean? It means your solicitor takes the financial risk of making a claim so that you don’t have to. It also means:

  • Your solicitor takes a success fee only if your case is successful
  • You don’t have to pay your solicitor at all if your case is unsuccessful
  • There are no upfront or ongoing fees to pay your solicitor

A No Win No Fee agreement could benefit you if you’re struggling financially. If you want to know more about how this type of agreement could work for you, get in touch with us today. Our advisors can offer free legal guidance with no obligations attached. If they think your claim could be successful, they could pass you on to a solicitor from our panel, who can help you start your MIB untraced driver claim today. 

Learn More About Road Accident Victim Support

Thank you for reading our guide about how to make a claim through the MIB for an untraced driver accident. We hope you found it helpful. To learn more, please see below. 

My Child Got Hit by a Car – Can I Claim a Payout? – Use this article to find out how compensation claims work if your child is hit by a car. 

Cyclist Hit by a Car – Our guide on claiming compensation as a cyclist if hit by a car. 

How Long do You Have To Report a Car Accident? – Discover the time limitations attached to reporting a car accident. 

Department for Transport Statistics – Statistics from the government about the transport systems in Great Britain. 

Guide to Making a Claim – The MIB’s guide on the process of claiming with them. 

Physiotherapy – Find the closest physiotherapy service to you. 

If you’d like to find out more about claiming through the MIB if an untraced driver injured you, get in touch.

Writer IR

Checked by HT