Motor Insurers' Bureau Untraced Driver Claim Solicitors

The Motor Insurers' Bureau is a not-for-profit company that compensates innocent victims of road accidents involving uninsured or untraced drivers. Every UK insurer is a member and pays into the fund. Where the driver who caused your accident cannot be identified, the MIB steps in to handle the claim in place of that driver's insurer. You can read about the scheme in full on the MIB website.

A police report is a condition of claiming under the MIB untraced driver scheme. You must report the accident as soon as is reasonably practicable and cooperate with any enquiries that follow. If you have not yet reported the incident, do so as soon as possible and contact us for advice on your next steps.

Under the MIB untraced driver scheme, you may be able to claim for your personal injuries, lost earnings, medical treatment and rehabilitation costs, care expenses, and other financial losses caused by the accident.

In some circumstances, it may also be possible to claim for vehicle damage or other property losses. The rules around property damage claims under the MIB scheme are more limited and can depend on factors such as your insurance arrangements and the circumstances of the accident. We can explain how these rules apply during your free claim assessment.

A rejection is not necessarily final. MIB decisions can be appealed in certain circumstances, and we have experience reviewing rejected claims to assess whether the scheme was correctly applied. Contact us before accepting any rejection as there may be more available to you than the MIB's correspondence suggests.

MIB claims can sometimes take longer than standard personal injury cases because the MIB carries out its own assessment of the evidence and circumstances of the accident. The MIB aims to decide liability within a set period under the relevant scheme agreement, although the overall length of the claim will depend on factors such as the complexity of the evidence, whether liability is disputed, and the seriousness of the injuries involved.

Claims involving serious or life-changing injuries are likely to take longer because the full medical impact and future losses may need to be assessed before settlement. We will manage the process on your behalf and keep you updated throughout your claim.

The standard three-year personal injury time limit applies, as set out in the Limitation Act 1980. The MIB scheme also involve separate reporting and procedural notification requirements. Acting promptly is strongly advisable, as evidence can be lost and witness recollections can fade over time.

A police incident number is especially important in MIB claims. It is also helpful to keep photographs of the accident scene, your injuries, and any vehicle damage, together with witness names and contact details where possible. CCTV, dash cam, helmet cam, or other video footage can be especially important in hit-and-run cases where the driver cannot be identified. We take the lead in gathering everything the MIB requires and manage all correspondence with the MIB and other relevant parties on your behalf.

A litigation friend might be able to bring a claim on behalf of a child or an adult who lacks mental capacity. We can advise on what that role involves and, where needed, our Court of Protection Solicitors can assist with the appointment of a deputy.

Call us on 0800 260 5010 or request a callback. A Road Traffic Accident expert will assess your case for free, explain how the MIB scheme works, and advise you on the options available to you. No obligation, no upfront cost.