MIB Offer

craigt660

Afternoon all,
Can someone advise us if the offer my mum received seems reasonable.

Its bit of long story so ill try to keep it brief.

In Aug 08 my mum was hit head on by an uninsured driver speeding & driving on the wrong side of the road. Both cars were written off & the other driver had to be cut out of his. My mum was very lucky to get away with 3 broken ribs, whiplash & some pretty serious ligament damage in her left knee. Amazingly there was a police car & an ambulance right behind her so she was looked after really well & taken to hospital very quickly.

Her injuries have pretty much healed up now but to be honest she has been having some emotional problems since the crash, she's lost all confidence & very rarely leaves the house anymore.

Her solicitors have had her evaluated by a shrink & his report is a pretty depressing read. He's said that the crash has pretty much changed her as a person & she might never be able to get back to the way she was.

I'm unsure if how badly she has been effected mentally will have much baring on the claim she has with the MIB but thought id mention it to you all.

So, the MIB have made a part 36 offer of £3500, which she turned down, they have now come back with an offer of £5100.

Does this seem like a reasonable amount?

Thanks all.

wealdroam

You need advice from a solicitor.

No-one on this forum knows the 'value' of your mother's injuries.

And legal advice is probably best not taken from an anonymous forum.

pendulum

Seems low. I know someone who got £3k for a heck of a lot less.

atrixblue.-MFR-.

i agree she needs to see a solicitor who knows about the offer scales that the MIB use.

TBH i would of though £5k is reasonable for the injurys but i dont know if MIIB take into account any mental affects of a accident.

anotherbaldrick

Case history will quicky establish the level of compensation appropriate. Your Solicitors should be on top of this pushing for an appropriate sum ,and advising you, if they are not they are rubbish .
But as a general comment the figure quoted so far needs a couple of naughts on the end.

sparky1989

anotherbaldrick wrote: »

Case history will quicky establish the level of compensation appropriate. Your Solicitors should be on top of this pushing for an appropriate sum ,and advising you, if they are not they are rubbish .
But as a general comment the figure quoted so far needs a couple of naughts on the end.

So you say a couple of naughts ??? what just two . That would make it half a million or would you like to go for the five million 3 naughts figure.. As others say take good advice from your solicitor and asses your mothers well being and future practical day to day being. I remember a person who was involved in a nasty injury at work (glass took off his bottom half of his "good"arm below the elbow) he was awarded a sliding compensation where he was awarded about £55 k then case looked at again in 2 years then 5 years where another award was made as his life although changed forever was more under control by way of new employment/etc

vaio

atrixblue.-MFR-. wrote: »

i agree she needs to see a solicitor who knows about the offer scales that the MIB use.

TBH i would of though £5k is reasonable for the injurys but i dont know if MIIB take into account any mental affects of a accident.

MIB take into account anything that a standard insurance company would take into account, an award from the MIB is no different to any other award

OP, on the face of it £5k does seem low but you need to be guided by your solicitor, there is a guide to approximate values of various injuries, can't find a link now but your legal team will certainly have access to it

richard734

OP, I had a similar issue after being hit by an un-insured driver. I had quite bad back and neck injuries, and a dislocated shoulder that I have never regained full use of. as well as PTSD (Hats of to the insurance provided shrink who helped me out no end).
The MIB serve a purpose, but they will not offer the 'higher' compensation rates that you hear about from genuine insurance companies. I was told quite honestly by the solicitors that if I had been hit by an insured driver, I would have had 2 to 3 times the offer the MIB made.
However the MIB are funded by the insurance companies and dont have the luxury of picking and choosing thier risk - and only have a limited fund to cover all these claims.
I accepted £5k in the end as there was no way they were making a higher offer and my brief didnt think we would get much more by insisting on a court appearance.

vaio

That sounds wrong to me, if push comes to shove it is a court that will decide the level of compensation and it should be the same whether it is a “standard” insurance company or the MIB.

Their whole purpose is to act as a “standard” insurance company in cases which fall under their remit.

As for only having a limited fund to cover all their cases, that’s nonsense, if they pay out lots this year then they just collect more off the insurance companies next year and that’s before you consider the element of statutory backing they have from government.

The MIB aren’t some sort of cash limited goodwill gesture by the insurance companies, they are a statutory body needed to comply with European directives which basically say that I shouldn’t be disadvantaged if I suffer harm at the hands of an uninsured driver rather than one who is insured.

craigt660

Thanks everyone for the advice, my mum has decided to reject the offer of £5100 & wait for all the reports to come in so she can get some proper answers from her solicitor.

Cheers all.

KTF

So they put the offer on the table before her solicitors had time to consider all the reports?