Check your claim eligibility
Make sure your claim goes to the right place. Check if you should claim with MIB or another organisation.
Who can make a claim with MIB?
We support thousands of people every year to rebuild their lives after an accident with an uninsured or untraced driver, or a foreign-registered vehicle. We provide fair compensation for drivers, passengers, pedestrians, property owners and other road users.
You can make your own claim or have a family member manage your case on your behalf. You can also appoint an independent solicitor to represent you.
When to claim with MIB
If an uninsured or untraced driver or a foreign vehicle hits you, we may be able to help you make a compensation claim. We follow the rules set out in the government’s Uninsured Drivers’ Agreement and Untraced Drivers’ Agreement, so can only support on cases that legally meet one of the following criteria.
You're likely to be eligible to claim if you meet one or more of these criteria:
The road accident happened in the UK, Channel Islands, Isle of Man or Gibraltar
You were involved in a road accident caused by a untraced driver, or the other driver provided false details
You were hit by an uninsured driver
Your accident involved a foreign vehicle
You’re a victim of an act of terrorism caused by the use of a vehicle
Natasha's story
When mother-of-two, Natasha, had her car damaged by a hit-and-run driver, she was left facing a bill for the excess of hundreds of pounds.
What to expect when making a claim with MIB
The process for an MIB claim is simple, but you can ask a legal representative to submit a claim for you if you’d prefer.
Complete your claim
You’ll fill in a form about your claim. Each question you’re asked will depend on the previous answer you give. Try to give as much detail as possible to help us understand how the accident happened and how it has impacted you. The form will take you about an hour to complete.
Let us investigate
Settling a claim can take time as we need to work with other organisations to gather the evidence for your case. Small cases can usually be resolved in a few months. In more complex cases, it may take longer, but we might be able offer support with medical care and interim payments while you wait.
Case closed
Once we’ve gathered enough evidence to assess your claim, we’ll send you our compensation decision. If we agree with your claim and make a payment, we’ll try to recover the costs from the driver at fault. In some cases, our settlement offer may be lower than you were expecting, or we may be unable to agree with your claim at all. If this happens, you may be able to appeal our decision.
What you can claim for
When you submit a claim, you’ll have to give details for personal injury, property damage, or both. This tells us what type of accident you’ve been in, what kind of compensation we may need to pay and how long you can claim for the damage.
What is personal injury?
A personal injury claim can be made when a person is physically or mentally harmed during an accident involving a vehicle.
Physical harm can range from minor cuts and bruises to life-changing injuries or paralysis. Mental harm may include formally diagnosed neurological damage or mental distress.
Personal injury also covers death. A fatal injury claim can be submitted by a family member or their legal representative.
What is property damage?
In terms of car insurance, property damage is when an object is damaged during an accident with a vehicle.
Property damage can range from repairable dents and scratches to write-offs that require complete replacement. This applies to any object, such as another car or bike, street furniture (bins, lampposts, signs) or personal property such as a house wall, a mobile phone or a pushchair.
Claims for property damage can be made up to six years after the accident as long as there is proof of the damage and the estimated or actual repair cost can be shown.
From start to finish I have found MIB to be the consummate professionals and I have felt listened to and supported in what has been a significantly traumatic life event.
Frequently asked questions about making a claim with MIB
Use our breakdown above to see if your situation is described by any of MIB’s criteria. If you’re still unsure, you can speak to a member of our claims team or seek independent legal advice. To contact MIB, call us on 01908 830001 or email contact@mibclaims.org.uk.
For personal injury, the law says that a claim must be received within three years of the date of the accident. For property damage, the time limit is six years from the date of the accident in England and Wales, and five years in Scotland.
If you were involved in an accident as a minor, and no one made a claim on your behalf, you have until three years after your 18th birthday to submit a claim.
As you complete your claim, we’ll need to ask you questions about the accident. It would be helpful to have your personal contact details and insurance details to hand. We’ll ask for details about the accident scene, plus any medical treatment or property damage information. You’ll also need to provide contact details for any witnesses.
How the claims process worksIn England and Wales, there are three organisations that can support claims involving a driver without insurance. The Ministry of Justice and Official Injury Claim each process lower value claims or those with specific injuries, such as whiplash.
MIB processes claims for untraced drivers, significant personal injury, property damage, or accidents with foreign vehicles.
There are lots of national and local charities and organisations who can offer physical and mental health support following an accident that wasn’t your fault. You can also speak to your GP or seek independent legal advice. You can add any cost of these services on to your personal injury claim.
Support and reassurance