MIB Compensation Calculator UK
Estimate injury compensation following an accident involving an uninsured or untraced driver. Select your Motor Insurers' Bureau claim circumstances, main injury and recovery severity, then add optional financial and property losses.
Calculate Your Injury Compensation ↓Calculate Your MIB Claim Compensation
Five stages. See an injury-specific compensation reference and an itemised calculation of entered losses.
Your MIB Claim Details
Step 1 of 5Step 1 — MIB Accident Details
Step 2 — Select Your Main Injury
Select a medically diagnosed injury. The calculator values one main injury, rather than adding overlapping injuries.
Step 3 — Injury Severity & Recovery
Select Your Injury CategoryChoose the closest medically supported description or recovery period.
Step 4 — Financial & Property Losses
Optional: enter documented injury-related losses and damaged property. Actual MIB recovery depends on scheme rules.
Step 5 — Your MIB Compensation Estimate
How to Use Our MIB Compensation Calculator
Our MIB compensation calculator helps people explore an indicative injury compensation reference after a road accident involving an uninsured or untraced motorist. MIB stands for the Motor Insurers' Bureau, which operates compensation arrangements for certain victims of uninsured and unidentified drivers.
Start by choosing whether the responsible driver is believed to be uninsured, cannot be identified or falls within another relevant situation. Then identify whether you were a driver, passenger, motorcyclist, cyclist or pedestrian. Enter the accident date, location and police reporting details.
Next, select your main injury and the closest medically supported severity category. The calculator displays an indicative general damages reference. It also allows you to add lost earnings, rehabilitation, treatment, travel, care and property damage.
The final result is an arithmetic calculation, not a decision that you qualify under an MIB agreement or that every claimed loss can be recovered.
What Is the Motor Insurers' Bureau?
The Motor Insurers' Bureau is a body funded by the motor insurance industry. It provides arrangements intended to compensate eligible victims of certain accidents involving uninsured or untraced drivers, subject to the applicable agreements and legal rules.
MIB is not a special injury compensation scale. A broken leg does not receive a separate fixed payout merely because the responsible driver lacked insurance. Instead, the injury and its consequences still require valuation, while MIB rules determine the relevant route and conditions for a claim.
What Is an Uninsured Driver?
An uninsured driver may be identifiable but lack valid motor insurance for the vehicle or its use. If that driver caused a collision, the injured person may have a potential route under the relevant uninsured-driver compensation arrangements.
The claimant should not assume that a driver is uninsured solely because they refused to share information. Insurance status and any applicable claim route must be established.
What Is an Untraced Driver?
An untraced driver is a motorist who cannot be identified, for example after a hit-and-run collision. An unidentified driver may leave before details can be recorded, or the details supplied may prove false.
Untraced claims can involve additional evidence and reporting requirements. The MIB investigation may also consider attempts to identify the driver and whether the applicable agreement conditions have been satisfied.
MIB Compensation Amounts in the UK (2026)
There is no universal MIB payout chart. The following are selected general damages references for different injury categories. They are based on published summaries associated with the Judicial College Guidelines 18th edition and are not guaranteed compensation payments.
| Injury | Selected Category | Indicative Range |
|---|---|---|
| Head injury | Minor head injury | £2,920–£16,870 |
| Brain injury | Less severe brain injury | £20,240–£56,890 |
| Neck injury | Moderate non-tariff injury | £10,420–£50,850 |
| Back injury | Moderate | £16,520–£51,230 |
| Shoulder injury | Moderate | £10,420–£16,870 |
| Forearm fracture | Simple fracture | £8,730–£25,370 |
| Leg fracture | Less serious category | £12,040–£36,680 |
| Knee injury | Moderate | £19,610–£34,600 |
| Foot injury | Moderate | £18,160–£51,800 |
| PTSD | Moderate | £10,810–£30,580 |
These figures concern pain, suffering and loss of amenity. They do not include past earnings losses, damaged vehicles, rehabilitation costs or other expenses. A real claim may require a narrower medical subcategory, particularly where symptoms are permanent or multiple injuries overlap.
How MIB Injury Compensation Is Calculated
General Damages
General damages relate to the physical or psychological injury itself. Medical evidence may describe the diagnosis, treatment, recovery, continuing symptoms and effects on daily life. Those details are central to determining the appropriate injury valuation.
Financial Losses
Financial losses may include past lost earnings, necessary treatment, rehabilitation, care and travel. Records such as payslips, receipts, invoices and medical documents may help substantiate them.
Entered amounts are added to the injury reference for illustration. The MIB claim process and relevant legal rules determine which losses are actually recoverable.
Property Damage
Property damage can include vehicle repairs, bicycle damage and personal belongings. These losses are distinct from compensation for pain and suffering. Different conditions may apply depending on whether the driver was uninsured or untraced, the relevant agreement and the claimant's circumstances.
This calculator does not automatically deduct an excess, determine insurance exclusions or approve property damage. Its property input is an optional arithmetic comparison.
Uninsured Driver vs Untraced Driver Claims
| Factor | Uninsured | Untraced |
|---|---|---|
| Driver identity | Generally known | Cannot be established |
| Insurance | Missing or invalid | May be unknown |
| Scheme | Uninsured-driver arrangements | Untraced-driver arrangements |
| Evidence | Driver, vehicle and insurance information | Incident details, police report and available evidence |
| Property losses | Subject to applicable agreement | May have additional restrictions |
| Injury valuation | Relevant injury reference | Relevant injury reference |
Whiplash Compensation in MIB Claims
A qualifying car or van occupant in England and Wales may fall within the statutory whiplash compensation system. The relevant tariff depends on the accident date, medical prognosis and whether a qualifying minor psychological injury is included.
However, not every MIB claim involving neck pain is a statutory tariff claim. Motorcyclists, cyclists and pedestrians may need non-tariff injury valuation, and accidents occurring before the whiplash reforms require a different approach.
2025 Statutory Whiplash Tariff
For qualifying accidents from 31 May 2025, the updated statutory amounts include:
| Recovery Period | Whiplash Only | With Minor Psychological Injury |
|---|---|---|
| Up to 3 months | £275 | £300 |
| Over 3–6 months | £565 | £595 |
| Over 6–9 months | £965 | £1,025 |
| Over 9–12 months | £1,510 | £1,595 |
| Over 12–15 months | £2,335 | £2,435 |
| Over 15–18 months | £3,445 | £3,550 |
| Over 18–24 months | £4,830 | £4,975 |
The original tariff continues to be relevant to qualifying accidents from 31 May 2021 to 30 May 2025. The calculator distinguishes these dates. A displayed tariff is provisional because the widget cannot independently verify all legal eligibility conditions.
Who May Be Able to Make an MIB Claim?
Car Drivers and Passengers
A driver or passenger injured by an uninsured or untraced motorist may have a potential claim, depending on liability and the relevant agreement. The route may differ according to claim value, injury type and whether the responsible motorist is known.
Motorcyclists and Pillion Passengers
Motorcycle riders and pillion passengers can suffer fractures, head injuries, severe soft tissue damage and other consequences. Injuries are assessed according to the appropriate medical and legal reference rather than being assigned a special motorcycle MIB multiplier.
Cyclists and Pedestrians
Pedestrians and cyclists injured by an uninsured or untraced driver may also have a relevant claims route. Their injury valuation depends on the consequences of the incident, not simply the road-user category they belong to.
Children Injured in Road Accidents
Claims involving children may be pursued on their behalf, subject to legal requirements. Limitation and approval arrangements can differ from those applying to adult claimants.
What Evidence May Be Needed for an MIB Claim?
MIB claims can require evidence establishing that an accident happened, that another driver was responsible and that the injury or losses resulted from the incident.
- Accident date, location and description.
- Police reporting details and reference number, where available.
- Vehicle registration and driver information, if known.
- Witness contact details and photographs.
- Medical reports and treatment records.
- Evidence of earnings losses and necessary expenses.
- Repair estimates or receipts for damaged property.
Police Reporting for Hit-and-Run Accidents
Reporting can be particularly important when a driver leaves the scene. MIB guidance says accidents involving hit-and-run drivers should be reported to the police within 14 days. Other road traffic reporting duties and scheme-specific conditions may also apply.
If a report was late or has not yet been made, that does not mean this calculator can decide the outcome of the claim. The exact circumstances and applicable agreement must be considered.
How Long Do You Have to Make an MIB Claim?
Personal injury claims are often subject to a three-year limitation framework, but the applicable MIB agreement may also contain procedural conditions. Children, different jurisdictions and exceptional circumstances may require special treatment.
Property damage has separate deadlines and rules. It should not be assumed that the same period applies to every personal injury and property claim or every MIB scheme.
Because these rules can be decisive, the calculator does not label an older accident automatically eligible or ineligible. Prompt attention to reporting and relevant deadlines is important.
MIB Compensation Calculation Examples
A hypothetical passenger is injured by a driver believed to be uninsured and suffers a medically supported simple forearm fracture.
The selected injury reference is £8,730–£25,370. Adding £1,000 of entered financial losses produces an illustrative range of £9,730–£26,370. This does not establish eligibility or liability.
A hypothetical pedestrian suffers a medically supported moderate knee injury after a vehicle leaves the scene.
With an illustrative general damages reference of £19,610–£34,600 and £1,500 in entered losses, the result is £21,110–£36,100. The untraced-driver rules and police evidence remain separately important.
A hypothetical adult car occupant has an accident in England on 1 June 2025. Their medically supported whiplash prognosis is more than three but not more than six months, without an associated minor psychological injury.
The applicable tariff reference is £565. If £350 in financial losses is entered, the illustrative total is £915. Whether the statutory tariff and MIB scheme apply must still be verified.
What to Do After an Accident With an Uninsured or Untraced Driver
Prioritise safety and medical care, particularly if anyone has a serious injury. Record any vehicle information available without taking unnecessary risks. Witness details, photographs and CCTV information may be useful.
Notify the police as required, contact your insurer where appropriate and preserve documents relating to treatment, lost earnings and damage. An MIB claim is a separate process; this calculator does not register or submit it.
MIB Compensation Calculator FAQs
What does MIB stand for?
MIB stands for the Motor Insurers' Bureau. It operates compensation arrangements for eligible victims of uninsured and untraced motorists and certain other vehicle-related situations.
How much compensation does MIB pay?
There is no universal MIB payout. The injury, its severity, evidence, recoverable financial losses and applicable scheme rules affect the possible amount.
Can I claim against an uninsured driver?
A route may be available where an uninsured driver caused a road accident. Liability and the relevant scheme conditions must be considered.
Can I make an MIB claim after a hit and run?
An untraced-driver claim may be possible when the responsible driver cannot be identified. Reporting requirements, evidence and applicable deadlines matter.
Do I have to report a hit-and-run to the police?
Police reporting is important. MIB guidance says hit-and-run incidents should be reported within 14 days. Relevant statutory reporting duties may require earlier action in some circumstances.
Can pedestrians and cyclists make MIB claims?
Yes, potentially. The rules are not limited to injured car drivers. Cyclists and pedestrians may fall within relevant arrangements, subject to eligibility.
Does MIB use the whiplash tariff?
A qualifying car-occupant whiplash claim may involve the statutory tariff. The legal route depends on the circumstances, accident date and injury. Other injuries and road users may follow different valuations.
Can MIB compensate for vehicle damage?
Property damage can be relevant to some claims. Its treatment differs between arrangements and may involve additional restrictions or requirements. This calculator does not establish recoverability.
Can I include lost earnings and treatment?
Potentially recoverable losses may include necessary treatment and earnings lost because of the accident. Supporting evidence is important.
Is the estimated result a guaranteed MIB offer?
No. The estimate is an educational injury reference with arithmetically added losses. MIB eligibility, liability and settlement amounts are separate.
Can I claim if I was partly at fault?
Shared legal responsibility may affect compensation. This calculator does not assess contributory negligence or reduce the reference by an assumed percentage.
Can I make an MIB claim without a solicitor?
People can potentially submit eligible MIB claims themselves. Complex injury, legal and eligibility questions may benefit from individual advice.
Official Sources and Calculation Methodology
This calculator uses selected 2026 injury reference summaries, the applicable statutory whiplash tables where relevant, and entered financial losses. It does not calculate a unique MIB payout rate, since there is no universal MIB injury compensation table.
The injury reference is presented separately from any scheme-related conditions. The full Judicial College Guidelines are not reproduced here. Precise subcategories must be audited before public launch.