Scottish Claims

Making a Claim Through the MIB in Scotland

If the driver who caused your accident was uninsured or fled the scene, the Motor Insurers' Bureau (MIB) may still provide compensation. This guide explains the difference between uninsured and untraced claims, deadlines, and evidence you'll need.

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Contents

What is the MIB?

The Motor Insurers' Bureau compensates victims of uninsured or untraced drivers across the UK, including Scotland.

What is the difference between uninsured and untraced claims?

Uninsured

The driver is identified but has no insurance.

Untraced

The driver cannot be identified (e.g. hit-and-run).

What are the key deadlines?

Untraced driver claims

Must usually be reported to the MIB within 9 months of the accident.

Uninsured driver claims

Must be made within 3 years of the accident.

Important: These deadlines are strict. Missing them may mean you lose your right to claim.

What evidence is required?

  • Police reference number (mandatory for untraced).
  • Medical evidence of injury.
  • Witness statements or dashcam footage if available.
  • Photos of the scene, vehicle damage, and road conditions.
  • Details of any CCTV cameras in the area.
  • Records of any attempts to identify the driver (for untraced claims).

How long does an MIB claim take?

Average 6-12 months, depending on complexity and available evidence.

Untraced claims can take longer due to the investigation process and the need to exhaust all reasonable efforts to identify the driver.

How does the MIB claims process work?

1. Report to police

Essential for untraced claims; strongly recommended for uninsured.

2. Gather evidence

Collect all available evidence as soon as possible.

3. Submit application to MIB

Through a solicitor experienced in MIB claims.

4. MIB investigates

They review evidence and may request additional information.

5. Decision and compensation

If approved, compensation is paid. Appeals are possible if refused.

Can the MIB refuse my claim?

Yes. Common reasons include:

  • Missing deadlines (especially the 9-month deadline for untraced claims).
  • Insufficient evidence to prove the accident occurred or that injury was caused.
  • Failure to report to police (for untraced claims).
  • The vehicle was being used off-road (some exceptions apply).

If your claim is refused, you may be able to appeal or request a review. A solicitor experienced in MIB claims can advise on your options.

Frequently Asked Questions

Can I claim if I was a pedestrian or cyclist?

Yes, MIB covers all road users, not just drivers.

Do I need to report to the police?

Yes, for untraced claims it is mandatory.

What if I was partially at fault?

You can still claim, but your compensation may be reduced to reflect your share of responsibility (contributory negligence).

Does the MIB cover damage to my vehicle?

Yes, but there may be an excess (currently £300) applied to property damage claims for untraced drivers.

What if the police can't find the driver?

You can still pursue an untraced driver claim through the MIB, provided you meet the evidence and deadline requirements.

Is there a minimum injury threshold for MIB claims?

No specific threshold, but you must have suffered a compensable injury. Minor bumps with no lasting effects may not qualify.

⚠️ We are not a law firm or a Claims Management Company. We only introduce you, with consent, to FCA-authorised firms who may advise on your claim.