Hit by an Uninsured Driver? You Can Still Claim Thousands.
Finding out the driver who injured you had no insurance can feel like a second blow. But you are not left without a remedy. The Motor Insurers’ Bureau (MIB) exists specifically to ensure innocent road users can still claim full compensation when the at-fault driver is uninsured or has fled the scene.
Scottish Claims Helpline handles MIB claims across Scotland on a no win no fee basis. There is no financial risk to you — you pay nothing unless your claim succeeds.
How Much Could You Receive?
MIB claims follow exactly the same compensation framework as standard road traffic accident claims:
| Injury Type | Typical Award |
|---|
| Minor whiplash — resolves within 3 months | £1,000 - £2,500 |
| Moderate soft tissue injuries — 3-12 months | £2,500 - £5,000 |
| Significant injuries — lasting 1-2 years | £5,000 - £11,000 |
| Fractures requiring surgery | £5,000 - £20,000+ |
| Serious injuries (head, spinal, multiple fractures) | £20,000 - £150,000+ |
Based on Judicial College Guidelines for pain and suffering only. The MIB does not cap or reduce awards.
That’s not all. MIB claimants are entitled to the same special damages as any other road traffic accident victim — lost earnings, medical costs, vehicle damage (for uninsured driver claims), physiotherapy and travel expenses. The MIB does not reduce compensation because the driver was uninsured.
Who Can Claim?
Any road user injured by an uninsured driver can claim through the MIB — car drivers, passengers, motorcyclists, cyclists and pedestrians. If the driver fled the scene and cannot be identified, you can claim under the MIB Untraced Drivers Agreement. You must report the accident to the police as soon as reasonably practicable and obtain a crime reference number. Even if you were partly at fault, you can still claim with a proportional reduction for contributory negligence.
Uninsured Driver Claims — Frequently Asked Questions
Yes. The Motor Insurers’ Bureau (MIB) Uninsured Drivers Agreement allows you to claim full compensation for all injuries and losses, exactly as if the at-fault driver had been properly insured. Report the accident to the police and contact a solicitor as soon as possible.
Yes. The MIB Untraced Drivers Agreement compensates victims of hit-and-run accidents where the driver cannot be identified. You must report the accident to the police as soon as reasonably practicable. Compensation covers personal injuries, though vehicle damage may not be covered in untraced driver claims.
MIB claims follow the same assessment principles as standard road traffic accident claims. You are entitled to the same level of compensation as you would receive against an insured driver — the MIB does not cap or reduce awards because the driver was uninsured.
For uninsured driver claims, the standard 3-year limitation period under the Prescription and Limitation (Scotland) Act 1973 applies. For untraced driver claims, applications to the MIB must be made within 3 years of the accident. However, strict internal procedural deadlines apply throughout — contact a solicitor as soon as possible.
Yes. Reporting the accident to the police is essential for MIB claims, particularly for untraced driver (hit and run) cases. Obtain a crime reference number. The MIB requires evidence that the accident was reported to the police.
MIB claims can take longer than standard motor claims — typically 12-18 months for uninsured driver claims and potentially longer for untraced driver claims. The MIB has its own investigation process. Your solicitor manages the entire process on your behalf on a no win no fee basis.
How Do I Start My Claim?
It takes 2 minutes. Fill in our short form and one of our specialist Scottish solicitors will call you back at a time that suits. They will listen to what happened, tell you straight away if you have a claim, and explain exactly how much you could receive — all completely free and with no obligation. If you decide to go ahead, everything is handled for you on a no win no fee basis from start to finish. You pay nothing unless you win.
About this page: Written by the Scottish Claims Helpline editorial team. Reviewed by a qualified Scottish solicitor. Last reviewed February 2026. Scottish Claims Helpline is authorised and regulated by the Financial Conduct Authority (
FRN 830381).