Road Traffic Accident Claims Guide

With various types of road users using the roads every day, there is always a possibility that an accident could occur. If one does, you may suffer various types of injuries. Within this guide, we will explain the eligibility requirements that all road traffic accident claims must meet to be considered valid.

Additionally, we will cover some examples of road traffic accidents you may be able to claim for. We will also share what evidence you may need when making your claim.

Furthermore, this guide will explore what damages you could be compensated for and how a No Win No Fee solicitor from our panel could help you with claiming compensation.

If, after finishing this guide, you have any remaining questions or would like to discuss your personal injury compensation claim, you can contact our advisors:

  1. Directly through our website
  2. Calling us on 0800 408 7826
  3. Using the live chat function on this page

People exchanging details after a car accident.


Jump To A Section

  1. When Can You Claim Compensation For An Accident On The Road?
  2. What Accidents Could Lead To Road Traffic Accident Claims?
  3. What Evidence Could Help You During The Claims Process?
  4. How Much Compensation Could I Receive For My Injuries?
  5. Why Use No Win No Fee Solicitors To Claim?
  6. Learn More About Road Traffic Accident Claims.

When Can You Claim Compensation For An Accident On The Road?

All road users have a duty of care to use the roads responsibly to avoid causing harm. This includes drivers, motorcyclists, pedestrians and cyclists. They must also adhere to the Road Traffic Act 1988 and the Highway Code as part of their duty of care.

To be able to bring forward a road accident claim you must show that:

  • You were owed a duty by a road user.
  • They breached their duty of care. For example, they were driving under the influence of drugs or alcohol.
  • You suffered an injury as a result of this breach of duty. 

If you think you may have a valid case, or have any questions about road traffic accident claims, you can contact our advisors.

A man knocked from his bicycle.

What Accidents Could Lead To Road Traffic Accident Claims? 

Unfortunately, not everyone is a safe driver, and often, you can become injured due to someone else’s poor driving. Some examples of this would be:

  • You are run over whilst you are crossing at a zebra crossing due to the driver speeding and not coming to a stop in time, causing you to fracture your leg
  • A vehicle swerves into your lane because it did not check whether the lane was clear before merging, causing you to crash and injuring your wrist on the steering wheel.
  • A back injury and broken arm is caused by another driver who is speeding or under the influence of drugs or alcohol and collides with the back of your car.

Don’t worry if your exact circumstances aren’t listed above. There are many different types of road accidents, and our panel of solicitors are experts in handling various types of road traffic accident claims. Please call one of our friendly and knowledgeable advisors for help.

What Evidence Could Help You During The Claims Process?

In order to prove your personal injury claim, you will need to gather evidence. Some examples of evidence that could be useful for toad traffic accident claims include:

  • Footage of the accident either from CCTV or from a dash cam.
  • Contact details of a witness so they can be contacted at a later date to give a statement.
  • Photos of the accident site and also of your injuries.
  • Medical records such as X-rays or scans.
  • A diary detailing your symptoms and the impact the accident has had on your life.

An expert solicitor from our panel could assist you in gathering evidence to support your claim as part of their services.

A man with a neck brace after an accident occurred.

How Long Do You Have Claim?

The Limitation Act 1980 dictates that you generally have 3 years from the date of your accident to start your claim.

There are exceptions, such as if the injured person is a child or someone who lacks the mental capacity to manage their own claim. Specifically, these exceptions are:

  • The time limit is frozen for those under the age of 18. From their 18th birthday, they will have 3 years to begin their case.
  • The time limit is frozen infinitely for those who lack the mental capacity to manage their own claim. If the person regains mental capacity, then the 3-year time limit will begin from the date they recover capacity.

In both cases, a litigation friend could make a claim on the claimant’s behalf while the time limit is paused.

Contact our advisors today to see if you have enough time to begin your road traffic accident compensation claim. 

How Much Compensation Could I Receive For My Injuries?

Road traffic accident injuries can range from more straightforward matters that resolve with some time all the way up to the most serious of injuries that require permanent and ongoing care or rehabilitation.

If you are successful in your claim, damages could be awarded for your injuries and your out-of-pocket expenses.

Damages for your injuries are called general damages and are awarded in all successful claims and compensate you for the pain and suffering that you felt, as well as the general impact your injuries had on your life. Were there things you couldn’t do because of your injuries? Daily pleasures you had to give up? Things like this can affect the amount you can expect to receive under general damages.

Those valuing your claim may use the Judicial College  Guidelines (JCG) to help them. The JCG gives guideline compensation brackets for various injuries and will often be used alongside a medical report that details your injuries. 

Below is a table of some injuries and the suggested compensation guidelines for them, but it is important to remember that every case is unique and that these are only guidelines.

Please note that the first entry does not come from the JCG and the bottom two figures come from The Whiplash Injury Regulations 2021. We will discuss this in more depth in a later section.

Compensation Table

InjuryCompensation GuidelineDescription
Multiple Severe Injuries And Additional Special Damages - Very SevereUp to £1,000,000+A compensation settlement that accounts for numerous significant injuries and financial losses like a loss of work earnings and prescription fees.
Back - Severe (i)£111,150 to £196,450Damage to the spinal cord and nerve roots including incomplete paralysis and significantly impaired bladder, bowl and sexual function.
Facial Disfigurement - Very Severe Scarring£36,340 to £118,790Typically involving young claimants (teens to early 30s) where there is a significant cosmetic affect and the physiological reaction extreme.
Pelvis and hips - Moderate (i)£32,450 to £47,810Significant Injury that may have included hip replacement.
Leg - Less Serious (i)£21,920 to £33,880A fracture with incomplete recovery including a metal implant, permanent limp and impaired mobility.
Knee - Moderate (i)£18,110 to £31,960Dislocation or torn meniscus with minor instability, wasting, weakness or other mild future disability.
Wrist - Less Severe£15,370 to £29,900A wrist injury with some permanent disability but some useful movement.remains
PTSD - Moderate £9,980 to £28,250An injury from which there is largely a recovery and any ongoing effects are not overly disabling
Elbow - Moderate or minor (iii)Up to £15,370Simple fracture or laceration with recovery after 3 years and/or after surgery.
Whiplash Tariff£4,215A whiplash injury that lasts more than 18 months, but no longer than 2 years.
Whiplash Tariff£4,345A whiplash injury and psychological injuries that lasts more than 18 months, but no longer than 2 years.

You may find our compensation calculator helpful if your injury is not on this table.

Special Damages

The second type of damages relates to your out-of-pocket expenses and is known as your special damages. This could include:

  • Loss of earnings.
  • Rehabilitation costs e.g. physiotherapy.
  • Care costs (even from family members).
  • Travel expenses.

Not every claim will have special damages, but if you have any out-of-pocket expenses that you would like to claim, it is very helpful for you to provide any receipts, invoices, or bank statements that you have that prove these losses.

How Do You Claim For Minor Injuries And Whiplash?

Claims for some less serious injuries suffered on the roads in England and Wales are made via a different avenue due to the Whiplash Reform Programme. This applies to cases where:

  • You are 18 or over.
  • You were a driver or passenger involved in an accident.
  • You have suffered a minor injury worth £5,000 or less, such as whiplash.

Furthermore, these whiplash injuries will be valued in line with the tariff set out in the Whiplash Injury Regulations 2021. These are fixed amounts, and we have featured some of them in the table above.

If you think these may apply to you, get in touch with our advisors to see how you would make your whiplash claim.

Why Use No Win No Fee Solicitors To Claim? 

Legal costs can be a worry when thinking of making a claim. Our panel of solicitors operate on a No Win No Fee basis by offering their clients a Conditional Fee Agreement. This type of agreement offers several benefits, including:

  • Not having to pay upfront for the work your solicitor does.
  • Not having to pay for ongoing work.
  • Nothing to pay for their services if the claim fails.
  • A success fee will be due to your solicitor if the claim is successful. This is a percentage of your compensation but has a legally imposed maximum.

If you would like to work with one of the solicitors on our panel who are experts in road traffic accident claims, you can contact us today by: 

A solicitor discusses the Road Traffic Accident Claims process with a client.

Learn More About Road Traffic Accident Claims

Here are some guides by us:

  • See when you could claim for a crushed ankle injury within this guide.
  • How much compensation might you be awarded if you have suffered facial scarring in a road traffic accident.
  • Guidance on claiming for a broken forearm and how much compensation you may receive.

 External resources:

If you have any additional questions regarding road traffic accident claims that have not been covered in this guide, you can contact our advisors.