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MIB Claims
Advice on when St Helens MIB accident claims are possible and how solicitors can help secure the compensation you deserve.
MIB Claims
Advice on when St Helens MIB claims are possible and how solicitors can help secure the compensation you deserve.
If you’ve had a road traffic accident in St Helens, finding out that the other driver is uninsured can be as devastating as the initial accident. Similarly, if the other driver leaves the scene of the accident, you might think there are no options for compensation. However, you could still be entitled to compensation from the Motor Insurers’ Bureau (MIB). Therefore, we’ve produced this article on MIB claims to give you a better understanding of your options.
To help further, we offer a no-obligation consultation where a specialist can review your case, explain your options and offer free legal advice. If your case is suitable, we could connect you with a No Win No Fee solicitor who covers St Helens. This means that, if your case proceeds, you’ll receive expert representation without paying any upfront legal fees.
Please carry on reading for more on how MIB compensation claims work. If you’d to speak with right away, please call 01744 385105, or complete our Contact Us form.
What Is The Motor Insurers Bureau?
The Motor Insurers’ Bureau (MIB) is an important organisation for anyone involved in a road traffic accident with an uninsured or untraced driver in the UK. Established in 1946, the MIB steps in to provide compensation when victims cannot claim against regular insurance.
Unfortunately, more and more drivers are breaking the law these days and not paying for motor insurance. This is one of the reasons for rising insurance costs. The MIB is actually funded by a levy on premiums paid by law-abiding motorists.
While that is an annoyance, it does mean that if you have an accident on the M62, A580 East Lancashire Road, the A570, or the street outside your house, you could still be compensated. Remember, the MIB may compensate you if the other driver is uninsured or untraceable.
As with other types of road traffic accident claims, having a solicitor on your side may help to improve the level of compensation you receive after an MIB claim. They can help build a strong case to prove how the accident happened, who was to blame and the level of suffering you’ve endured.
To see if we can help you make an MIB claim for a St Helens RTA, please call our team today.
If you've suffered an injury through no fault of your own, you don't need to suffer in silence.
When Are MIB Claims Possible?
You might be able to submit an MIB claim if you’ve been injured in a road traffic accident and:
Another driver breached their duty of care and caused an accident.
You were injured as a direct consequence of that accident.
The driver responsible was uninsured: or
The driver left the scene and cannot be traced (hit-and-run).
These situations can occur on any road, from local streets to major dual carriageways. The MIB will consider claims from car drivers, passengers, motorcyclists, cyclists, and even pedestrians.
We are happy to assess your claim against MIB eligibility criteria as part of a free initial consultation. Therefore, why not get in touch today?
Do Normal Time Limits Apply?
Yes, standard time limits usually apply to MIB claims, similar to other road traffic accident claims:
Three years from the date of the accident, in most cases.
Claims for children can be started at any time before their 18th birthday. After that, they’ll have 3 years to start an MIB claim themselves.
Other exceptions can apply, especially if the injured party lacks mental capacity.
If you’d like us to verify how long you have to start an MIB claim, please reach out today.
Should I Use A Solicitor To Claim Through The MIB?
Claiming through the MIB can be complex. The process involves detailed forms, medical evidence, and negotiations about compensation. Mistakes or missing information could weaken your claim.
Solicitors from our panel cover the St Helens area and regularly handle MIB claims. They can:
Review your case and confirm if you’re eligible
Help gather police reports, witness statements, and medical documents
Represent you in negotiations and appeal unfair decisions
Calculate the true value of your losses, avoiding under-settlement
All accepted MIB claims are handled on a No Win No Fee basis. This means you won’t pay legal fees if your claim isn’t successful.
Will I Still Need Evidence To Claim?
Yes, evidence is just as important with MIB claims as with claims against insurers. The more details, the better your chance of success.
Here’s what you should try to collect:
Police report (especially in hit-and-run cases)
Photographs of the accident scene and injuries
CCTV or dashcam footage, if available
Medical records showing your injuries
Witness contact details
If you haven’t got all of the evidence listed above, don’t worry. We’ll still review your chances of being compensated for free. If your MIB claim is accepted, your solicitor might be able to obtain evidence that you’ve struggled to obtain yourself.
Shouldn't I Just Claim Through My Insurance?
If you know the identity of the driver, and they’re insured, you would usually claim through their insurer. But if the driver was uninsured or left the scene, claiming through your own insurance may not be possible, or it could increase your renwal premiums.
MIB claims are designed for exactly these situations, when traditional insurance routes are blocked. Some people find that claiming through the MIB is their only option to seek compensation after an accident on roads like the Rainford Bypass or the A58.
If you’d like us to confirm the best route for your claim, please contact our advice centre today.
What Does Compensation Awarded By The MIB Cover?
MIB compensation aims to put you in the position you would have been in if the accident hadn’t happened. It can cover:
Pain and suffering for your injuries
Loss of earnings if you’ve had to take time off work
Medical and rehabilitation costs
Damaged personal items (clothes, glasses, etc.)
Some car repair costs, although limits can apply
The amount depends on your individual losses and the severity of your injuries. Again, using a solicitor that covers St Helens and is familiar with the MIB claims process may help. For example, your solicitor could obtain independent medical records to prove your level of suffering so that the correct level of compensation is awarded.
Contact Our Team To Start An MIB Claim
If you’ve been hurt by an uninsured or untraced driver in St Helens, you don’t have to face the MIB claims process alone. Our team offers free legal advice as part of an initial consultation. Therefore, you can ask questions and check if you’re eligible to claim without risk.
For free advice and to see if you can claim, please reach out now. You can call 01744 385105, or use our Contact Us form to arrange your free case assessment.
Don’t let uncertainty or worry prevent you from getting the compensation you deserve. Start your MIB claim today for a clearer and fairer future after your road traffic accident.
Frequently Asked Questions (FAQ)
Below, you can find answers to some frequently asked questions St Helens MIB claims.
Can I claim for psychological injuries such as PTSD through the MIB?
Yes, psychological injuries like post-traumatic stress disorder (PTSD), anxiety, or depression resulting from the accident can be considered as part of your MIB claim, as long as they are properly diagnosed and supported by medical evidence.
How long does an MIB claim usually take to be resolved?
The timescale for resolving an MIB claim can vary considerably, depending on the complexity of the case, the availability of evidence, and the extent of your injuries. Straightforward claims might settle in a few months, but more complicated cases could take a year or longer.
Will making an MIB claim affect my future insurance premiums?
Making an MIB claim does not typically impact your own insurance premiums, especially if you are not claiming through your own policy. However, always check with your insurer to understand any potential implications for your circumstances.
