"The other driver had no insurance. That doesn't stop your compensation — the MIB pays. Don't let your insurer tell you otherwise."
100% free · No obligation · No win, no fee
If the driver who hit you in Scotland was uninsured, the Motor Insurers' Bureau (MIB) Uninsured Drivers Agreement pays your compensation in full — including personal injury, vehicle damage above an excess, and out-of-pocket losses.
Scotland operates under Scots law (separate from English law) and does NOT apply the 2021 whiplash tariff. Every claim is individually assessed by a Scottish solicitor and processed through the Sheriff Court system, meaning compensation is typically 2–5x higher than for an identical injury in England.
Liability is the central question in any Scottish claim. Here are the most common scenarios for uninsured driver accident cases:
Personally liable plus a criminal offence. MIB pays the victim then pursues the driver.
You don't chase an uninsured driver yourself — the MIB does that, and pays you in the meantime.
Scottish claims are individually assessed — there is NO whiplash tariff cap. These ranges reflect actual settlements and Sheriff Court awards.
| Injury type | Compensation range |
|---|---|
| Minor whiplash (under 3 months) | £1,000 – £3,000 |
| Moderate whiplash (6–12 months) | £5,000 – £10,000 |
| Significant neck/back injury (12–18 months) | £8,000 – £18,000 |
| Severe back / disc damage | £15,000 – £45,000 |
| Concussion / mild brain injury | £3,000 – £15,000 |
| Moderate brain injury | £45,000 – £150,000 |
| Broken bones (wrist/arm/leg) | £8,000 – £35,000 |
| Facial scarring | £3,500 – £40,000 |
| PTSD / anxiety after accident | £4,000 – £55,000 |
The strongest claims start with the cleanest evidence. Gather these as soon as possible:
The Motor Insurance Database (MID) is checked by Police Scotland and your solicitor. If no policy is found, the MIB Uninsured Drivers Agreement applies.
Yes — they remain personally liable to the MIB, which pursues them after settling your claim. From your side, the MIB is your defendant.
✓ Scotland · Scots Law · ✓ No Whiplash Cap · ✓ No Win No Fee
Free, anonymous, and based on Scots-law guideline brackets.
Open the Compensation Calculator