London MIB Claims

If you’re in London and need the help of specialist road traffic accident solicitors, you’re in the right place

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If you’ve been involved in a road accident and the driver responsible was uninsured or couldn’t be traced, you might wonder if there is any way to claim compensation. Fortunately, the Motor Insurers’ Bureau (or MIB) scheme can award compensation in these circumstances. Therefore, this article looks at how MIB claims work, and what you need to provide to be entitled to claim.

We are an experienced law firm that covers London road traffic accident claims. As such, we could help manage your MIB claim to try and ensure all of the rules are followed. Also, using one of our No Win No Fee solicitors could help to ensure that you receive the correct level of compensation.

If you’re unsure about your situation or want expert advice, keep reading to learn more about MIB claims and how they work. You can also contact our team online or call 020 7362 2085 for a confidential chat about your options.

What Is The Motor Insurers Bureau?

The Motor Insurers Bureau (MIB) operates as a non-profit organisation funded by UK motor insurers. MIB exists to compensate victims of road traffic accidents when the responsible driver is either uninsured or cannot be traced. You may encounter the need to engage with the MIB if a collision occurs on the North Circular, A40 or in an area such as Hackney or Westminster, and the at-fault party lacks valid insurance.

MIB claims apply to incidents involving uninsured drivers, untraced motorists or cases of hit-and-run. If you sustain injury or financial loss in these situations, the MIB assesses your eligibility and processes compensation under strict guidelines. You can claim for personal injury, property damage and some out-of-pocket losses if you meet the criteria.

The Bureau’s remit covers England, Wales, and Scotland which means all London boroughs are covered. As with any type of road traffic accident claim, you might benefit from specialist legal advice. Therefore, why not call to discuss your MIB claim today? We’ll assess your options for free and explain your next steps in plain English.

When Can I Claim Through The MIB?

You can claim through the Motor Insurers’ Bureau (MIB) if you’re injured or suffer losses in a road accident with an uninsured or untraced driver across London, such as on the North Circular Road, M25, or in boroughs like Croydon, Hackney, or Camden. Qualifying incidents include:

Uninsured driver accidents: Injured on any London road by a vehicle with no valid insurance.
Untraced drivers: Hurt or sustain losses in a hit-and-run case, for example on the A406, with the other motorist not identified.
Property damage: Car, bike, or vehicle damaged by an uninsured or unknown driver, including on side streets or busier routes like Oxford Street.

Importantly, for a claim to proceed, you will need to prove that the other driver was to blame. For example, you could use dashcam footage to show that they pulled out in front of you at a junction and caused a collision. We’ll review other forms of evidence you could use to support your claim later on.

If you don’t provide enough evidence of how the accident has caused you to suffer, you might not receive the compensation you deserve. Working with a specialist solicitor can reduce this risk. Our team has decades of experience between them, so why not call them for free advice on claiming through the MIB?

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Do I Need A Solicitor To Claim Through The MIB?

While it’s not a strict requirement to use a solicitor when making an MIB claim, having an experienced solicitor on your side can be highly beneficial. A solicitor will understand the intricate requirements and evidence needed to support your claim.

By guiding you through the process, negotiating on your behalf, and handling complex paperwork, an experienced solicitor helps to ensure you are properly compensated and that your claim is presented as strongly as possible. This can give you peace of mind while maximising your chances of a successful outcome.

Time Limits For MIB Claims

You usually have 3 years from the accident date to claim for personal injury through the MIB, in line with the Limitation Act 1980. For children, the time limit does not begin until their 18th birthday. As a result, claims can be started at any time before then.

For adults lacking mental capacity, there is no time limit for MIB claims.

Are No Win No Fee MIB Claims Possible?

We offer a No Win No Fee MIB claims service, so you pay nothing upfront if your case is accepted. If your claim does not succeed, you owe us nothing for our work. This takes away financial risk and lets you access expert legal help.

Our process gives you support with clear, simple steps. You keep most of your compensation, as fees are only taken if you win.

What Evidence Do I Need To Supply?

Even though the MIB claims process is slightly different to other types of claims, you still need to supply as much evidence as possible. This might include:

Personal identification (e.g., passport, driving licence)
Accident details (date, time, and location of the accident)
Police incident number and/or crime reference (if reported)
Photographs of the accident scene, damage, or injuries
Witness details in case statements are required
Medical reports and evidence of injury
Vehicle details (make, model, registration number)
Repair estimates/invoices for property or vehicle damage

To help ensure you comply with the rules of the MIB, why not get in touch with a member of our team today? If your case is suitable, one of our solicitors may be able to help even if you don’t yet have all of the evidence needed.

Frequently Asked Questions (FAQ)

Below, you can find answers to some frequently asked questions about our MIB claims service

Can I claim for psychological injuries through the MIB?

Yes, you can claim for psychological injuries sustained as a result of an accident involving an uninsured or untraced driver through the MIB, provided you can supply medical evidence linking your condition to the incident. Our team can help you gather the required documentation and ensure your psychological injuries are clearly included in your claim.

What happens if the responsible driver cannot be traced at all?

If the driver responsible for your accident cannot be traced, you can still make a claim through the MIB’s ‘Untraced Drivers’ scheme. We can assist you every step of the way, making sure all available evidence, such as witness statements and CCTV footage, is submitted to support your claim even in the absence of the driver’s identity.

Are passengers eligible to make an MIB claim?

Passengers involved in an accident with an uninsured or untraced driver may also be eligible to claim compensation through the MIB. Our service supports passengers as well as drivers, helping them recover damages for injuries and losses, subject to evidence showing their involvement and the nature of their injuries.

What costs are covered by an MIB claim?

An MIB claim can cover a wide range of costs, including medical expenses, loss of earnings, rehabilitation costs, and vehicle damage. We will carefully assess your circumstances to ensure all eligible expenses are included in your claim, maximising your potential compensation.

How long does an MIB claim usually take to settle?

The duration of an MIB claim varies based on the complexity of the case and the availability of evidence, but claims typically take several months to process. Our experienced team will keep you updated throughout the process and work efficiently to reach a resolution as quickly as possible.