Road Traffic Accident Claims

Were you impacted by another road user in a way that caused you injury? Even if the accident was not entirely their fault, you could still be owed a proportion of compensation for your damages. This article explains the steps you need to take to successfully launch road traffic accident claims after a car crash.

road traffic accident claims

Road traffic accident claims guide

When you are injured in a road accident, a whole array of problems can present themselves. A road traffic accident claim can help you put together the necessary proof that you suffered due to the substandard driving or conduct of another road user. Whether it was a car or bike crash, our advisors could help connect you with personal injury specialists with the expertise to help. Connect now by:

  • Calling us on 0800 408 7825
  • Contact us via our website
  • Use the ‘live support’ option for immediate help and advice

Find out how much your road traffic accident claim could really be worth by talking to experts today.

Select A Section

  1. When Could You Make A Road Traffic Accident Claim?
  2. Types Of Road Traffic Accident Claims We Handle
  3. Causes Of Accidents On The Road
  4. Road Safety Statistics
  5. Documents And Evidence Which Can Help You Make A Claim
  6. Road Traffic Accident Claims Calculator
  7. Contact No Win No Fee Lawyers Handling Road Traffic Accident Claims
  8. Related Road Traffic Accident Claims Guides

When Could You Make A Road Traffic Accident Claim?

A road traffic accident is any form of collision or incident that involves motorists, cyclists, pedestrians, or any other type of road user, such as a horse rider.

Under The Highway Code, all road users have a duty of care to ensure that they use standard acre and skill to uphold the safety of themselves and others. If you can demonstrate how another party failed to uphold this duty of care and caused your injuries, you could claim compensation.

A personal injury claim can take into account two types of damages (compensation): general and special. General damages relate to the pain and suffering your actual physical or mental injuries have caused.

Special damages can be drawn from evidence that demonstrates the financial losses the accident caused you.

There is generally a 3-year time limit to starting a claim like this. It begins from either the date of the accident or the date you became aware of your injuries being caused by negligence. This can be particularly relevant with ‘later onset’ or delayed injuries such as certain types of whiplash.

The Whiplash Reform Programme

Recent changes in May 2021 (the Whiplash Reform Programme) were made to the way that you can claim for injuries valued at below £5,000 (including whiplash). The government has introduced an online portal for claims of this nature. It was recognised that the volume of trivial neck injury claims was pushing insurance premiums too high and this was creating an unfair burden on motorists’ insurance premiums.

Despite this much lower threshold, you are still able to make a personal injury claim for whiplash. But, solid medical evidence is required to prove it is a serious injury, likely to be awarded more than the £5,000 threshold limit of most minor neck injury claims.

Why not speak to our advisors now to see if you could have a valid whiplash injury compensation claim? They can also help you determine whether you’d need to go through the online portal process, or whether your injuries are worth more than £5,000.

Types Of Road Traffic Accident Claims We Handle

After the shock and trauma of your road traffic accident, it may seem unclear whether you have a legitimate or provable claim. It can be useful to clearly identify the type of accident you suffered as a starting point. Below is a brief list of some of the type of accident scenarios that we could help you with:

  • Car or bicycle crashes
  • Electric scooter collisions
  • Hit and run scenarios
  • Multiple pile-up accidents
  • Rear-end or side-impact collisions
  • Car park accidents
  • Uninsured driver accidents
  • Taxi accidents
  • Public transport-related injuries
  • Lorry/HGV collisions

Some of these scenarios may come under the scope of legislation called the Highways Act 1980 as it could be the local authority’s responsibility to ensure road surfaces are safe and free of the debris that caused the accident. However, you could still claim in this event.

There are reasonable limits as to what others can be held accountable for and we look at actual causes below. Whatever the exact circumstances of your accident, speak with our advisors and they can help you to best navigate your road traffic accident claim.

Causes Of Accidents On The Road

The Highway Code has specific guidance for motorists and road users that are designed to limit as many hazardous situations as possible. There are some obvious examples of negligent breaches such as drinking and driving or taking drugs or medication that may impair your ability behind the wheel. Other issues that can create accidents could be:

  • Poor eyesight, but driving regardless
  • Failing to pay due care and attention to the roads
  • Loss of control
  • Inexperience

The Highway Code does not discriminate in its expectations of drivers. All motorists are expected to be competent and display a minimum standard of requisite skill behind the wheel, regardless of age. Furthermore, all drivers must:

  • Have at least third-party insurance
  • Have a current, valid licence and MOT
  • Ensure the vehicle is registered with the DVLA
  • Drive a roadworthy vehicle

In the heat of an accident, it can be impossible to recall clearly what happened so it is a good idea to request the police report (if there was one) as part of your evidence for making a claim.

Uninsured Drivers and the Motor Insurers’ Bureau (MIB)

In certain road traffic accidents, the other party fails to have insurance at all. Some motorists fail to even stop at the scene. With this in mind, an organisation called the Motor Insurers’ Bureau (MIB) can offer some compensation.

Drawing from the insurance paid by other motorists, the MIB tries to extend some sort of compensation to the victims of hit and run or uninsured accidents. Each case is looked at individually and their website offers a wealth of resources for situations like this.

Anyone can request compensation from the MIB, but it can be more helpful to do so with the help of a personal injury specialist. They can offer crucial advice on how much to request and explain what evidence can best support your claim. Thanks to the MIB, uninsured or untraceable drivers do not have to bring your search for compensation to a halt.

Road Safety Statistics

Below is a snapshot of road accident statistics from the Department of Transport. It shows the provisional results of road casualties reported in Great Britain in 2020 by age and gender.

For all age groups, there were more reports of males being injured than females.

Documents And Evidence Which Can Help You Make A Claim

At the time of your accident, you may be too injured to think of collecting evidence. It may be possible to re-visit the scene and gather details that you think may help your claim at a later date. This could be fundamental evidence in your claim and can include:

  • Witness contact details (for statements at a later date)
  • CCTV footage
  • Photos or mobile phone video
  • Dashcam or speed camera footage
  • Emergency first responder reports
  • Police reports

It’s important to note that anything that supports your side of what happened can help. It’s essential that you gather as much strong evidence as you can that the other party was at fault. A personal injury lawyer can help with this.

Road Traffic Accident Claims Calculator

Evidence is central to your road traffic accident claim. It’s the basis for up to two types of compensation that can form your settlement:

  1. General damages compensate you for the injury (mental and physical).
  2. Special damages compensate you for financial losses the accident causes.

To prove general damages, you’d attend an independent medical assessment. This can be arranged by a personal injury lawyer at a time and place convenient to you.

The independent GP or specialist who conducts the assessment would provide a medical/legal report that

  • assesses the severity of your injuries.
  • establishes whether your injuries could have been exacerbated or caused by the accident.

The report also gives a lawyer acting on your behalf the chance to compare your injuries with those listed in a guide for personal injury compensation called the Judicial College Guidelines. This is a way they can value your injuries. We’ve used figures from these guidelines in the compensation table below.

InjurySeverityJudicial College Guideline award bracketnotes
head injury(b) moderately severe brain damage£205,580 to £264,650Claimants would be suffering injuries that required substantial dependence on others and limb paralysis or marked cognitive impairment, for example.
neck (a) severe (i)in the region of £139,210Cases of incomplete paraplegia, little or no neck movement and severe headaches.
shoulder(a) severe£18,020 to £45,070Damage to the brachial plexus
wrist(a) complete loss of function£44,690 to £56,180Injuries that result in a complete loss of function to one wrist even after surgery.
pelvis/hip(a) severe (i) £73,580 to £122,860Fractures or dislocation of lower back joint, intolerable pain and spinal fusion surgery required.
leg(b) severe (i)£90,320 to £127,530Extensive soft tissue de-gloving, gross shortening of the leg and permanent disability.
knee(a) severe (i)£65,440 to £90,290Gross damage to the ligament, disruption of natural joint alignment resulting in loss of function and increased risk of osteoarthritis.
ankle(b) severe£29,380 to £46,980Extensive period required in plaster or with insertion of steel pins/rods. Residual disability.
traumatic injury in the chest/stomach
chest injuries (d)£11,820 to
Single penetrating wound.
facial injury(b) multiple facial fracture bones£13,970 to £22,470Facial deformity that is permanent in nature.

These amounts may vary depending on the severity of the injury and the evidence presented. The award bracket amounts provided aim to give an amount to reflect the pain, suffering and loss of amenity the injuries have caused you.

If you can’t see your injuries in the compensation table above, why not reach out to our advisors? They can value your claim for free.

Other Damages

With the right evidence, you can request special damages too. Bills, bank statements, receipts and other financial documentation can help to prove the financial losses you suffered because of a road traffic accident. This can include a surprising range of expenses, such as:

  • Lost income (while taking time off work to recover, for example)
  • Medical procedures not available on the NHS
  • Counselling for the shock or trauma (if the NHS was unable to cover it)
  • Impact on your pension or attendance bonus
  • Extra child care payments
  • Adaptations to your home or lifestyle created by the injuries
  • Lost deposits for special occasions you could not attend
  • Travel costs (to the hospital, for example)

In short, financial loss that is caused by the accident or injuries can be considered.

Sometimes in road traffic accident claims, there can be back and forth negotiations on what the other party will pay. A personal injury lawyer can help you settle for the right amount that includes expenses now and any that may occur in the future. This is vital, as you can only make one claim for a personal injury incident. It’s not possible to appeal for more damages after the case has been settled.

Time Limits

Under the Limitation Act 1980, there is generally a 3-year time limit to start personal injury claims. With this in mind, it’s important to start a claim as soon as you feel ready. Once you have begun, there are no timescales regarding the duration of a claim. Working with a personal injury solicitor could also help you understand the best time to settle and for the right amount.

Litigation friends

Road traffic accident claims can be made on behalf of a minor. If your child was injured crossing the road by reckless or careless drivers and suffered injuries, you could claim on their behalf. Litigation friends can include:

  • The parent
  • Guardian
  • Solicitor

These adults can undertake the duties associated with making the personal injury claim. Any sum that is ultimately awarded as compensation can be held in a safe account until the minor reaches the age of maturity.

If the child reaches 18 and nobody has claimed on their behalf yet, they can do so themselves. They’d have 3 years from the date of their 18th birthday to claim.

Should you lack the mental capacity to claim, a litigation friend could do so on your behalf. However, if you recover mental capacity, you’d have 3 years from the date of recovery to claim.

Contact No Win No Fee Lawyers Handling Road Traffic Accident Claims

It’s important to note that there is no formal requirement to have legal representation in a personal injury case. If you wish, you are perfectly free to represent yourself. However, we believe that personal injury solicitors can provide vital support.

Under an arrangement like a No Win No Fee agreement, you do not need to pay your lawyer any fees unless your claim is successful. If it is successful, a small, legally capped percentage goes to them as their ‘success fee’.

Speak to our advisors to see how a No Win No Fee agreement could help your road traffic accident claim. The advice is free, there’s absolutely no obligation to proceed unless you wish to and it only takes a few minutes to establish the validity of your claim.

If you have a valid claim, our advisors can connect you with No Win No Fee specialists who can work for you from anywhere in the country. You could benefit from their expertise and insights.

If you want to find out more or are ready to start your claim now, you can:

Related Road Traffic Accident Claims Guides

In conclusion, thank you for reading this guide about road traffic accident claims. We hope that it has provided a clearer picture as to how you can construct your case and work with the best legal representation to win it.

As well as details about road traffic accident claims, we can offer advice and information on other forms of personal injury such as workplace accidents.

We also have a guide on slip and trip accidents in a public place.

Perhaps you have been affected by a data breach caused by human error? We can advise on how to proceed in all these areas too.

Read more about options for paying for your self-care from the NHS.

Also, you find out how to access your GP medical notes to use as evidence.

In addition to this, the government offer advice on road safety.

Other useful guides that could help:

As you research road traffic accident claims, please know you can contact us at any time for simple advice and help.

Article by EA 

Publisher UI