Car accident claims

Car accident claims

If you have been in a car accident – whether you were the driver or a passenger – or if you have been struck by a car while walking, running, riding a bike or riding a horse, you may be entitled to compensation.

Who is my car accident claim against?

If you are the driver of a car and the accident was not your fault, your claim will be against the insurance company of the driver of the vehicle that caused the accident.

If you are a passenger, your claim will be against the insurance company of driver of the vehicle responsible for the accident. This might be the vehicle you are travelling in – or it may be that another vehicle caused the accident.

Sometimes you will have a car accident claim against both the insurer of the driver of the vehicle you’re in, AND the insurer of the driver of the vehicle that it collided with.

It’s important to remember that the insurance company pays out any compensation, NOT the driver. So you won’t be putting anyone through personal hardship by claiming what you are entitled to.

What type of injury can I claim for?

The most common type of injury in a car accident claim is whiplash, but there are many other types of injuries that people claim for.

What to do if you are in a car accident

If you are involved in a car accident, there are a few things to keep in mind which will increase your chances of making a successful claim later, as follows:

  • Do not discuss blame with anyone at the time of the accident.
  • Note down the details of the other people involved (names/addresses/phone numbers/car make, model and colour/registration plates), together with any witnesses.
  • For each vehicle involved, take down the details of their insurance company.
  • If any of the drivers do not have valid insurance, admit that the vehicle is stolen or leave the scene, contact the police immediately.
  • Where possible take photographs. These could be of damage to your vehicle or other vehicles. They could also record the area where the accident took place, and weather/lighting conditions at the time. Take photos of anything
    that might be relevant – your lawyer will decide whether they are useful or not.

If, after the accident, you incur any expenses – such as prescription charges or travelling expenses to attend medical appointments, keep your receipts.

How do I make a car accident claim?

Get in touch to find out how to take your car accident claim forward.

Your lawyer will be able to assess the likelihood of your case being successful and advise on the amount of compensation you will likely receive.

How much compensation will I get?

Every case is unique but below we have given some examples of successful claims:

  • Claimant suffered severe spinal cord injury rendering him paralysed and confined to a wheelchair. Compensation awarded: £2.5 million
  • Claimant driver was hit by a trailer that had become detached from a lorry, suffering severe injuries. Compensation awarded: £390,000
  • Claimant suffered from flashbacks after a car accident. Compensation awarded: £6,000.
  • Claimant was a pedestrian who was hit by a car. Compensation awarded: £14,000
  • Claimant suffered whiplash following a car accident. Compensation awarded: £3,500
  • Claimant was a pedestrian hit by an uninsured driver. Compensation: £65,000

These are just a few examples of successful car accident claims where compensation has been awarded to claimants for their pain, suffering and expenses.

What if the other driver was not insured?

If the other driver was not insured, or left the scene and cannot be traced, compensation may still be available via the Motor Insurers’ Bureau. First, every effort must be taken to trace the driver. Then, the Bureau will deduct an excess for claims made through the scheme. Further, you should be aware that your claim must be made within 9 months of the accident. The Bureau also will look to see that the accident was reported to the police within five days of it occurring.

Car accident claims: useful information

The following websites have useful information for those considering a car accident claim.

Get in touch

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