MIB Medical Expert Instructions for Motor Insurers’ Bureau Claims
Medical Expert Chambers supports the Motor Insurers’ Bureau and MIB-instructed handlers across the full procedural spectrum — untraced driver claims, uninsured driver matters, Article 75 cases, foreign-driver cross-border claims and high-value RTA quantum. Our panel spans orthopaedics, neurology, neurosurgery, pain medicine, psychiatry, psychology, rehabilitation and radiology, coordinated under a single case manager for multi-expert instructions. 5,722+ GMC-registered specialists. CPR Part 35 compliant. Court-ready, fast.
Built for the full
MIB caseload profile.
Motor Insurers’ Bureau matters rarely sit in a single specialism. A serious RTA claim needs the orthopaedic surgeon, the pain medicine consultant, the psychiatrist, the neuropsychologist and the rehabilitation case manager — all producing evidence that has to hold together under Part 35 scrutiny and stand up on detailed assessment.
Medical Expert Chambers is built to handle that profile. Ten expert divisions, 5,722+ GMC-registered consultants, a single case manager coordinating across specialties, and a standardised approach to causation and quantum reporting that MIB handlers, cost draftsmen and defendant insurers recognise.
The full MIB scope is supported: Untraced Drivers’ Agreement claims with the trauma and psychological sequelae these matters commonly present; Uninsured Drivers’ Agreement claims including the Article 75 cases where the MIB and insurer interests overlap; foreign-driver cross-border claims requiring evidence to equivalent jurisdictional standards; and catastrophic-injury quantum where the case turns on the consistency of multi-disciplinary opinion.
Expert divisions coordinated under a single case manager for multi-expert MIB instructions.
Nationwide expert availability; domiciliary, clinic and secure video assessment as clinically appropriate.
Eight instruction categories
across MIB caseload.
The matters MIB handlers most commonly instruct on — each supported by the specific combination of expert divisions the facts require. Multi-expert instructions are coordinated under a single case manager, with evidence sequencing designed to avoid the gaps that undermine causation in RTA quantum work.
Untraced Driver Claims
Claims under the Untraced Drivers’ Agreement requiring medical evidence on injury, psychiatric sequelae and long-term prognosis. Consultant-led reporting to the evidential standard the MIB scheme requires, with supporting multi-disciplinary opinion where quantum is contested.
Uninsured Driver Claims
Claims under the Uninsured Drivers’ Agreement with the full range of quantum evidence: orthopaedic, neurological, pain medicine, psychiatric, neuropsychological, rehabilitation and care & quantum reporting. Evidence sequencing coordinated to preserve causation integrity.
Article 75 RTA Matters
Claims where the MIB and insurer interests overlap under the Article 75 framework. Evidence produced to the standard that supports coherent position-taking across the overlapping procedural routes — Part 35 compliance throughout, with defendant-insurer acceptability as the baseline.
Foreign Driver Claims
Cross-border RTA matters under the Green Card system and related frameworks. Reports produced to English & Welsh CPR standards where the claim is pursued in this jurisdiction; methodology transparent enough for acceptance by the foreign handling insurer where relevant.
Catastrophic Injury Quantum
High-value RTA quantum where multi-consultant evidence drives settlement: traumatic brain injury, spinal cord injury, amputation, severe poly-trauma. Orthopaedic, neurosurgical, neurological, pain, rehabilitation and care & quantum opinion under coordinated instruction.
Psychiatric Injury & PTSD
Post-RTA PTSD, complex PTSD, phobic anxiety (particularly travel-related), depression and adjustment disorders. Consultant psychiatric assessment supported by chartered clinical psychology where psychometric assessment strengthens the causation and quantum picture.
Vulnerable & Child Claimants
Child claimants (with capacity considerations and litigation-friend framework), claimants lacking litigation capacity under the Mental Capacity Act 2005, and vulnerable-witness matters. Assessment methodology adapted; capacity and COP3 evidence available where required.
Complex Causation
Matters where pre-existing condition, multi-stressor aetiology, subsequent unrelated injury or malingering / exaggeration is in issue. Defensible, evidence-based causation reasoning that accommodates the complicating factors without overstating or dismissing them.
For multi-disciplinary instructions (catastrophic injury, complex causation, high-value psychiatric plus physical), a single case manager coordinates across divisions. Records are shared once across the expert team; assessment sequencing is designed to prevent downstream experts contradicting upstream findings; joint statements and case conferences are supported where evidence needs to be reconciled. The handling insurer receives one coherent schedule of opinion, not a stack of disconnected reports.
Aligned with how
MIB handlers work.
MIB caseload is procedurally distinct from standard PI panel work. Evidence must withstand defendant-insurer scrutiny on Article 75 matters; causation has to survive the Untraced Drivers’ Agreement evidential framework; multi-expert instructions need coordination that single-specialty panels cannot provide. Three operational principles govern every MIB matter.
Single case manager, every expert
Multi-expert MIB matters are coordinated under a single case manager. Records shared once across the team; assessment sequencing designed to preserve causation integrity; joint discussions supported in-house; a single point of contact for handlers from intake through to settlement or trial.
Evidence-based reasoning, always
Pre-existing condition, multi-stressor aetiology, subsequent unrelated injury, malingering and exaggeration are treated analytically — not dismissed, not overstated. Reasoning is visible, the methodology is disclosed, and the conclusion is grounded in the documented clinical picture. Part 35 scrutiny is the baseline.
Urgent matters prioritised
Court-deadline instructions, trial-date pressure and MIB internal timetable constraints flagged at intake. Expedited consultant allocation available for time-critical matters; next-day appointment capacity for urgent psychiatric or orthopaedic assessments where the clinical question justifies it.
The standards behind
every MIB report.
Every report carries the procedural compliance that supports the evidential frameworks MIB matters run on — and the clinical rigour that survives the cross-examination insurers bring to high-value quantum.
CPR & MIB Evidential Standards
- CPR Part 35 declaration
- Practice Direction 35
- CJC Guidance compliance
- MIB agreement compatible
- Statement of truth
- Full methodological disclosure
Regulatory Standards
- Full GMC registration
- Licence to practise verified
- GMC Specialist Register
- HCPC / BPS (psychology)
- Bond Solon / equivalent training
- Enhanced DBS checks
Multi-Expert Workflow
- Single case-manager model
- Records shared once
- Assessment sequencing
- Joint statement support
- Reconciliation protocol
- Continuity to settlement
Evidence & Attendance
- Part 35 question responses
- Joint discussions (CPR 35.12)
- Trial attendance (in person / video)
- Pre-trial counsel conferences
- Addendum protocol
- CVP / secure video supported
Information Governance
- ICO registration current
- UK GDPR processing terms
- Encrypted secure transfer
- Scoped access control
- Named recipient routing
- Documented retention policy
Inter-Partes Recovery
- Itemised invoicing
- Expert / agency separation
- Stringer v Copley compliant
- Multi-expert fee schedule
- Written total-cost estimate
- Transparent disbursements
Questions MIB handlers
most often ask.
Do you accept instructions across the full MIB caseload profile?
Yes. Untraced Drivers’ Agreement claims, Uninsured Drivers’ Agreement claims including Article 75 matters, foreign-driver cross-border matters under the Green Card system, catastrophic-injury quantum and complex causation work are all within the standard offering. The expert division allocation is matched to the evidential question rather than the procedural route.
Can you coordinate multi-expert instructions under one case manager?
Yes — that’s the standard model for multi-disciplinary MIB matters. A single case manager coordinates across divisions: records shared once across the expert team, assessment sequencing designed to preserve causation integrity, joint statements and reconciliation supported in-house. Handlers work with one point of contact from intake through to settlement.
How quickly can reports be provided for court-deadline matters?
Court-deadline matters are flagged at intake and expedited allocation confirmed immediately. Standard turnaround is four to eight weeks from receipt of indexed records; expedited turnaround to trial-listing pressure is available and confirmed in writing at the quotation stage. Next-day consultant appointments available where the clinical question justifies urgency.
How is complex causation handled — pre-existing condition, malingering?
Analytically. Pre-existing conditions are characterised from the clinical record, their contribution to current presentation is separated from the index injury’s contribution, and the reasoning is made visible. Malingering and exaggeration are addressed using validated tools where appropriate — not dismissed, not overstated. The methodology is disclosed in every report so Part 35 scrutiny has something to work with.
Are foreign-driver claims supported under the Green Card system?
Yes. Cross-border RTA matters under Green Card and related frameworks are accepted. Reports are produced to English & Welsh CPR Part 35 standards where the claim is pursued in this jurisdiction. Where the handling insurer is in another jurisdiction, methodology is transparent enough to support acceptance by that handler on the usual terms of reciprocal recognition.
Do you handle child claimant and vulnerable-witness matters?
Yes. Child claimants (with litigation-friend framework), claimants lacking litigation capacity under the Mental Capacity Act 2005, and vulnerable-witness matters are supported. Assessment methodology is adapted to the clinical and procedural context; COP3 and capacity evidence is available from the same panel where the matter requires a capacity determination.
How are fees structured for multi-expert MIB instructions?
Multi-expert fee schedule returned at intake — single document covering all instructed experts, with individual fee breakdowns, total cost estimate and any known optional additions (Part 35 response, joint discussion, trial attendance). Invoices are itemised by expert and support full inter-partes recovery on detailed assessment consistent with Stringer v Copley and subsequent authority.
Will experts attend trial, joint discussions and conferences with counsel?
Yes — all three, within the standard scope of every instruction. Trial attendance in person or by secure video link via the Cloud Video Platform, joint expert discussions under CPR 35.12 with collaborative preparation of the joint statement, pre-trial conferences with counsel for contested matters, and Part 35 question responses under CPR 35.6 are all included.
Multi-disciplinary evidence
across MIB caseload.
Untraced. Uninsured. Article 75. Foreign driver. Catastrophic quantum. Complex causation. One chambers, ten divisions, 5,722+ consultants — coordinated under a single case manager, delivered to CPR Part 35, court-ready, fast.