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The MIB will assess the value of injuries and losses in the same way as any third-party insurer.

The MIB will use your initial claim submission form, witness statement taken by the enquiry agent, medical reports and expert reports, relevant special damages evidence and medical records to assess general and special damages. It is therefore crucial the account of your injuries and losses is consistent throughout all their evidence. We recommend keeping a log of your injuries and daily struggles so you don’t forget anything.

The MIB will consider causation including any occupation, low-velocity impact or fraud concerns in a similar way to a third-party insurer. The MIB rarely raise fundamental dishonesty however they do often raise fraud and credibility concerns.