Responsibility for the accident has to be agreed, or decided by a Court, on the evidence, and your claim may be reduced by a proportion, or possibly rejected if the evidence is that you were partly or wholly responsible.

Where MIB accepts a claim is one for payment, property damage claims (which includes claims for losses arising from the damage to property, as may be allowed by a court) will have an excess of £300 deducted. If the accident occurred before 1 October 1999, the excess applicable (under the previous Uninsured Drivers' Agreement) will be £175.

Injury claims including loss of earnings, are subject to a legal obligation on MIB to refund to the Department for Work and Pensions certain benefits that you have been paid as a result of the accident, and to deduct that amount from your claim for loss of earnings. You are advised by the DWP as to the amount MIB has to pay and, if you disagree, you have a right of appeal to the DWP.