MIB Claims in Scotland — Uninsured & Untraced Drivers
Quick Answer
What Is the Motor Insurers' Bureau?
The MIB is funded by all UK motor insurers to ensure that victims of uninsured and untraced drivers are not left without compensation. It operates two main schemes: the Uninsured Drivers Agreement (for identified but uninsured drivers) and the Untraced Drivers Agreement (for hit and run cases where the driver cannot be identified).
Claims Against Uninsured Drivers
If the driver who caused your accident is identified but has no insurance, the MIB steps in under the Uninsured Drivers Agreement. Your claim is handled much like a standard insurance claim, and you are entitled to the same level of compensation.
The MIB appoints an insurer to handle the claim on their behalf. Your solicitor deals with this insurer to negotiate your compensation.
Claims Against Untraced Drivers (Hit and Run)
If the driver cannot be identified — a hit and run — the MIB considers your claim under the Untraced Drivers Agreement. Key requirements:
- You must report the accident to the police within 14 days
- You must apply to the MIB within 3 years of the accident
- There is a £400 excess on property damage claims (but not personal injury)
- The MIB assesses and decides the claim — there is no trial
How to Make an MIB Claim in Scotland
- Report the accident to the police — within 14 days for untraced driver claims
- Gather as much evidence as possible — photos, witness details, dashcam
- Seek medical attention and keep records
- Contact a solicitor experienced in MIB claims — request a free consultation
- Your solicitor submits the claim to the MIB
- The MIB investigates and makes a compensation offer
How Long Do MIB Claims Take?
MIB claims typically take longer than standard insurance claims — usually 12 to 24 months. This is because the MIB conducts its own investigation and the process has additional procedural steps. However, you are entitled to the same level of compensation as you would receive from a standard insurer. Learn more about the typical claim timeline. All claims are handled on a No Win No Fee basis.
Frequently Asked Questions
What is the Motor Insurers' Bureau?
The MIB is a body funded by UK motor insurers that compensates victims of uninsured and untraced drivers. It ensures no one is left without compensation due to another driver's lack of insurance.
How do I make an MIB claim in Scotland?
Your solicitor submits the claim to the MIB on your behalf. You need to report the accident to the police and gather as much evidence as possible about the other vehicle and driver.
Is MIB compensation the same as insurance compensation?
Yes. The MIB uses the same Judicial College Guidelines and assessment criteria as insurers. You are entitled to the same level of compensation for your injuries.
Can I claim from the MIB as a cyclist or pedestrian?
Yes. The MIB covers all road users, including cyclists, pedestrians, passengers, and drivers who are injured by uninsured or untraced drivers.
How long does an MIB claim take to settle?
MIB claims typically take 12 to 18 months, which is longer than standard insurance claims. The MIB conducts its own investigation into the accident and your injuries.
Last reviewed: 15 March 2026 by Personal Injury Claims Scotland