Who Can Make a Car Injury Claim?

You may be eligible to claim if you were:

• A driver or passenger injured in a car accident.

• A pedestrian or cyclist hit by a vehicle.

• A motorcyclist injured due to another driver’s negligence.

• The family member of a victim making a claim on their behalf.

If someone else was at fault, you can file a claim against their insurance company but you must prove that another party was responsible for the accident to receive compensation.

Types of Injuries You Can Claim For

Car accidents can cause a range of injuries, from minor whiplash to life-changing conditions.

1. Whiplash and Neck Injuries: The most common injury in car accidents. Caused by the sudden movement of the head and neck upon impact. Compensation ranges from £1,000 to £6,000, depending on severity.

2. Back and Spinal Injuries: These can result in chronic pain, nerve damage, or even paralysis.

More serious cases may lead to lifelong disability. Compensation varies from £10,000 to over £100,000 for severe injuries.

3. Head and Brain Injuries: These can range from mild concussions to serious traumatic brain injuries (TBI). Severe brain injuries may require long-term medical care. Compensation can exceed £250,000 for permanent damage.

4. Broken Bones and Fractures: Common in high-impact collisions. Includes leg, arm, and rib fractures. Compensation starts from £3,000 to £20,000, depending on complexity.

5. Psychological Trauma (PTSD and Anxiety): Many victims suffer from post-traumatic stress disorder (PTSD), anxiety, or depression. Compensation for emotional trauma varies but can reach £50,000+ for severe cases.

If you have suffered any of these injuries, you may be entitled to compensation.

How Much Compensation Can You Claim?

The amount you receive depends on:

• The severity of your injury.

• Medical costs and rehabilitation expenses.

• Loss of earnings due to time off work.

• Pain and suffering caused by the accident.

How to Make a Car Inury Claim

Step 1: Seek Medical Attention

• Visit a hospital or GP immediately.

• Get a medical report, as this will be used as evidence in your claim.

Step 2: Gather Evidence

• Take photos of your injuries and vehicle damage.

• Collect witness statements and contact details.

• Obtain the police accident report (if applicable).

Step 3: Contact a Solicitor or Claim Handler

• A personal injury solicitor will assess your claim.

• They will negotiate with the at-fault party’s insurer.

• Most firms offer no win, no fee agreements, meaning you only pay if you win.

Step 4: The Insurance Company Assesses Your Claim

• The other driver’s insurer will investigate liability.

• If they accept fault, they will offer a compensation amount.

• If they dispute liability, your solicitor may take legal action.

Step 5: Settlement or Court Action

• Most claims are settled out of court within 3-6 months.

• If the case goes to court, it can take over a year. 

• If negotiations fail, the case may go to court for a final decision.

At RoadXpert, we help drivers navigate the claims process efficiently, ensuring you get the compensation you deserve.

Who Pays for Personal Injury Compensation?

1. If Another Driver Was at Fault: Their insurance company pays for your compensation.

2. If the Other Driver Was Uninsured: You can claim through the Motor Insurers' Bureau (MIB), which compensates victims of uninsured drivers.

3. If You Were Partly at Fault: Compensation may be reduced based on your share of responsibility (e.g., if you were speeding).

Can Passenger’s Claim for Injuries?

• Yes, passengers can file claims just like drivers.

• Claims are made against the at-fault driver’s insurance, whether it’s the driver of the other car or your own.

What if the Insurance Company Offers a Low Settlement?

• You don’t have to accept the first offer.

• Your solicitor can negotiate for a higher payout.

• If negotiations fail, you may take legal action to secure fair compensation.

How to Strengthen Your Injury Claim

• Seek medical treatment immediately to document injuries.

• Keep records of medical expenses, lost earnings, and rehabilitation costs.

• Avoid making statements that admit fault until legal advice is given.

• Use a reputable solicitor for the best outcome.

At RoadXpert, we guide drivers through the personal injury claims process, ensuring fair compensation.

How RoadXpert Can Help with Personal Injury Claims

At RoadXpert, we:

• Provide expert advice on personal injury claims after car accidents.

• Assist with accident management and legal guidance.

• Help drivers find the best car insurance policies to stay protected.

If you’ve been injured in a car accident and need help making a claim, we’re here to assist. Visit www.roadxpert.com today to get expert advice and find the right insurance for your needs.