Injured in a Car Accident? Claim Personal Injury Compensation

30 questions have been answered below, why not ask your own?

Compensation is fully justified if you’ve been injured in a car crash. Whether as a driver, passenger or pedestrian, if the accident was not your fault, you are entitled to make a claim. Your insurance company will not pursue this for you nearly as effectively as a solicitor who specialises in such claims. We work on a no win no fee basis, meaning there’s no financial risk to you if you don’t win.

If you’ve been injured as a driver or passenger on the road in an accident that wasn’t your fault, we can help you to claim the car accident compensation you are entitled to. Claims can be made for a range of physical and psychological injuries, not just whiplash. And the cause of the accident need not be another vehicle, it could equally be a faulty traffic light or road surface.

What can you claim for?

You can claim compensation for personal injury and other suffering, associated costs and losses, and the guilty party is liable to pay all your treatment bills and professional charges. If the person who caused the accident is insured you can make a claim against the insurers, otherwise the claim will be made against the Motor Insurance Bureau. If the accident was caused by the road surface itself, it may be possible to make a claim against the Highways Agency.

When the initial evidence has been collected your solicitor will be able to let you know the likely level of compensation you can expect for your claim. If you have suffered injuries that leave you unfit to drive, they may well be able to arrange for you to receive private medical treatment such as physiotherapy or osteopathy. Again, this would be at no cost to you as it would be charged to the liable 3rd party on top of and above any injury compensation settlement.

Your solicitor will advise you what expenses you can claim but these are likely to include some or all of the following:

  • Lost earnings if you have been away from work as a result of the accident
  • Car hire
  • Car repairs
  • Treatment for your injuries
  • Miscellaneous expenses (bus fares, painkillers etc)

What about my insurance company?

Insurance companies may not be your ally or friend when settling a claim, especially when it comes to car accident compensation. Very often we tend to forget that insurance companies are also businesses, and there are real chances that they might de-value your claim and let you settle for a lesser amount.

As it can be difficult to make a claim against the insurance company and the amount of compensation you can claim depends on certain facts and data, it really is best to appoint a specialist solicitor in order to win your claim and get the compensation you deserve. They will know the ins and outs of any problems you may face in your case and help you find potential sources of injury and liability and a well defined course of action, which can help your finances immensely. If you have been in an car accident, there could be a number of people and organisations you could have taken a legal stance against.

How to make a successful car accident claim

There are a few guidelines that should be followed to ensure the success of your compensation claim. To better your case, submit complete contact details of the eye-witnesses to the incident and if possible, take photographs of the crash site. If you wish to claim prescription costs and travelling expenditure too, you must also keep receipts as proof.

Doctor bills and certificates are extremely important since they will be the main evidence of any physical injuries you might have incurred during the accident. Also, doctors’ reports which state how your injuries have been sustained and how they are affecting your life.

In order for your compensation claim to be successful, be sure to get witness testimonies from people that saw the car accident and can vouch for you. Witness testimonies will play a pivotal role and guarantee the authenticity of your claim. You should also bring in car damage certificates. This can be done with the help of photographs and expert testimonies on the damage incurred by the vehicle in question.

Examples of car accident claims

Direct 2 Compensation has dealt with hundreds of car accident compensation claims, from rear end shunts to high impact, full frontal collisions. Our experience, and that of our expert personal injury solicitors, means that whatever the circumstances of the accident we know how to help you win your claim. Here are just a few example car accident claims we have dealt with:

Rear end shunt accident

Mr Y was waiting at a roundabout for the traffic to clear so he could carry on with his journey. Whilst waiting Miss X drove into the rear of his vehicle. Mr Y’s car was pushed forward at speed and suffered severe rear end damage. Mr Y sustained a severe neck strain (often referred to as a whiplash injury).

At the scene of the accident Miss X admitted the accident had been her fault, but soon afterwards she claimed Mr Y had actually reversed into her. However, the specialist solicitor at Direct2Compensation soon obtained enough witness evidence to discredit Miss X’s allegations, leading to her insurance company settling Mr Y’s car accident claim in full.

Head on collision

Mrs A was travelling along a B road at approximately 40mph one winter’s night. Suddenly a car travelling in the opposite direction came around a corner at speed.  The driver of the oncoming car was going so fast that he could not stay on his side of the road. He collided head on with Mrs A’s vehicle, which was pushed off the road. Despite the obvious damage to the vehicles, the other driver did not stop at the scene of the accident but fortunately a vehicle travelling behind Mrs A saw everything and called the police.

Mrs A suffered severe injuries, including a fractured sternum (chest bone), a severe neck injury and various cuts and bruises. With our help she was compensated for her losses, suffering and medical treatment.

Side road car accident

Mrs C was travelling along a main road, when Mrs K pulled out and collided with the side of Mrs C’s brand new BMW. Mrs C suffered relatively minor soft tissue injuries but was more upset by the damage to her new car. Fortunately, she contacted Direct 2 Compensation and we were quickly able to replace her car with a hire car of the same specification. The cost of the replacement hire was covered by Mrs K’s insurers, which also paid for the repairs to Mrs C’s car and compensated her for her injuries. Mrs C was soon back driving her car, which was as good as new.

Let us help you with your claim

If you have suffered as a result of a car crash, your compensation claim will be in safe hands with Direct2Compensation. Our claims process gives you peace of mind that you are never liable for any costs should your claim fail to succeed.

To find out more about your compensation rights or to start your car accident claim today, call us on 01225 430285 or if you prefer, we can call you back. In just a few minutes on the telephone with you, we’ll obtain the initial information needed for our solicitors to commence a claim.

30 questions have been answered below, why not ask your own?

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Questions & Answers

  1. Dobby

    Hello, I have been involved in accident a month ago and is not my fault a car hit me from the back at low speed no police or ambulance was involved we exchanged names and few pics. Later I felt back pain so I went to the hospital and I have a medical report. Can I claim for personal injury.

    • Ian Morris

      Yes, you can pursue a claim for the soft tissue injuries to your back/neck caused in the road traffic accident you mention. Please call us on 01225430285 or we can call you so that expert personal injury team can assist you with starting your claim for compensation.

  2. Andrew Wilson

    My brother was in a car accident in October he hit a puddle and it spun him out and hit an oncoming car he had bad injuries he was in hospital for 11 days….3 broken bones in his ankle and a broken spleen and badly bruised ribs and body. His insurance wis holding him responsible even though the police isn’t the police even said once the car was aqua planeing there is absolutely nothing he could do. Can he claim for injuries from anyone

    • Ian Morris

      Sadly there is no claim here. The puddle/flood your Brother hit would not attach negligence to any organisation or 3rd party and he would be responsible for the accident. The Police are not pursuing action as he has not acted criminally, but from an insurance perspective, he is responsible.

  3. Stacey

    My daughter has been involved with a bus and car collision, we think it was car driver’s fault but she has sustained back and neck injuries as well as shock. She is only 15. I have come out of my job as her mother and met her where the accident was, she was white with shock and upset, what happens with a minor? Can you please give me some advice? She was checked over by a paramedic and a police officer but since been up all night in pain and seems to be hot on her back.

    • Ian Morris

      As your daughter is 15, she cannot pursue a claim herself. However, as her parent, you can pursue a claim on her behalf and act as a ‘litigation friend’ in instructing a Solicitor and ensuring that your daughters best interests are upheld.

      Your Daughters claim can be made on a No Win No Fee basis and we can assist with this. Please call us on 01225430285 and speak with us so that we can explain the process to you and help you to understand what our specialist Solicitors can do to assist your daughter.

  4. Ann

    My daughter was involved in a rta yesterday and was taken to hospital in an Ambulance. She was rammed in to the back of her car by a male driver doing 60mph in a 40mph zone. She has suffered a fractured ankle, severe whiplash, swollen knees and cuts and bruises to her arms and legs. What are her next steps please?

    • Ian Morris

      Your daughter most certainly could and indeed should pursue a claim for personal injury compensation as a result of the injuries she has sustained. We would be delighted to help her make her claim and either she, or you could call us on 01225430285 or use our ‘start a claim‘ online service to get the ball rolling.

      To make a claim, we’ll need her vehicle details and those of the 3rd party. Your daughter may not have that information to hand right now, but that would not matter. We would get the claim set up and then obtain the further details in due course as and when she is well enough to obtain and provide further instructions.

      Given the injuries sustained, your daughter would be entitled to claim compensation for the pain and discomfort caused to her by the injuries and the impact that they will have on her at this time, during her recovery and in to the future, any relevant medical costs, access rehabilitation therapies and recover any lost income and other costs that she may incur due to the negligence of the liable 3rd party driver.

  5. William

    I had an RTA, the person at fault took full responsibility as I was parked at the roadside when they smashed into the rear drivers side back quarter panel/bumper etc of my car with her front passenger side completely smashed. They (both her and her insurance) have accepted liability.

    Who’s best to deal with this? Thanks for your time.

    • Ian Morris

      The first thing to say on this matter is that you appear to have a solid claim with every prospect of succeeding in terms of pursuing personal injury compensation. Given that liability has been admitted, there should be no issues in succeeding with your claim or any claim for any occupant of your vehicle.

      You ask who would be best placed to handle this matter for you. The options you have are as follows: You could go with the Solicitors with whom your Insurers have signed a contract, you could seek specialist expert independent representation – such as from the Solicitors with whom we work, or you could pursue any claim independently by yourself.

      The benefits of going with your insurers own Solicitor are obvious in that it would be easy to get the ball rolling. The downside may be that your claim is not handled by a specialist Solicitor, but a junior claims handler. Whilst this is only anecdotal, but we often receive contact from people in your situation some months in to their claims process when they have signed up with their insurers Solicitors to pursue their claim and have been left very disappointed by the representation they have received. They have often reported feeling pressured in to accepting a low settlement and have not been able to get specialist expert advice. As you may expect, we would recommend that you don’t instruct your insurers Solicitors.

      If you instruct an independent specialist Solicitor firm to act for you, you can be sure that they will hold your best interests at the pinnacle of their efforts on your behalf. They will have no concerns about their involvement with your insurers or that of the 3rd party and you can be assured that you’ll have a qualified specialist personal injury Solicitor representing you in your claim. You’ll be instructing them to act on a No Win No Fee basis on the exact same kind of agreement as you would have with your insurers panel Solicitor. This course of action would be the way we would advise any person to pursue their claim.

      The final route of acting without representation is far from easy and is not recommended. Whilst it is possible to pursue your claim without expert advice, you will need to put considerable effort and time in to the process and will not necessarily know whether or not you are being given a reasonable response by the defendants.

      We feel that our Solicitors would be the best place for you to have your claim for compensation pursued. If you would like to pursue your claim with us, please call us on 01225430285 or use this form to request that we call you when it suits you.

  6. sheetal

    I am working as community Physiotherapist. My colleague was driving and i was sitting next to her. From behind van hit car. I got jerk in my back and back pain start. Nothing happens to car.

    • Ian Morris

      You can make a claim for compensation for the back pain and injuries sustained as you were a passenger and not at fault. If there is no damage to the car, the defendant insurers are likely to fight the claim but it is still worth pursuing this further.

  7. Evelyn gatt

    I had a car accident and they said it was negligence – that was 30 years ago. I didn’t get any compensation, only that they paid for plastic surgery. At that time for negligence you didn’t get compensation. I been having this pain on one side of my head and I been hoping all these years that it will go away. I had an ultra sound scan but it was ok. However, I have been suffering for 30 years with that accident. I was in hospital than I had 10 hours of plastic surgery on my face and forehead.

    • Ian Morris

      Despite the obvious suffering that has been caused to you in this accident, UK law will not allow you to pursue any claim for the situation given the length of time that has passed.

  8. Sophie

    My partner had a car accident in 2006, he had mental health issues and never pursued a compensation claim even though his whole arm was amputated at the scene of the accident. He was in talks with a solicitor but because of his mental state at the time nothing came of it. Is it possible the claim coUld have gone ahead without his knowledge and the solicitor keep this from him? The solicitor in question is no longer practising. Can anything be done now as I’m aware the time limit is 3 years.

    • Ian Morris

      It is almost impossible that any Solicitor could or would pursue a claim and then hide the outcome from a claimant. Unless your partner signed any claim funding paperwork and formally instructed the Solicitor, nothing would have happened.

  9. John

    I was hit by a foreign registered vehicle non fault claim. My insurance company is telling me they can not do anything as they have 6 months to respond, is this right? They also stated that before 6 months they cant start legal proceedings this seems a long time. Do you have any legal base for this?

    • Ian Morris

      I would assume that the 6 months issue is correct and probably relates to the country of origin of the foreign vehicle. Which country was the vehicle registered to?

  10. Abdur


    Need some help. I was involved in a non fault car accident in 2016. The third party has made an offer under Part 36 for £7k.

    This is on the basis of the Doctors and Psychologists report. As i understand, it is a very generous offer.

    Now the tricky bit. I’ve been suffering from Crohns Disease for a number of years and advised i needed surgery since 2012. My Crohns was extensive requiring extensive surgery that i was reluctant to carry out on the grounds of having a stoma. Image. This is all well documented in my medical records and the fact my symptoms were very problematic in the run up to the accident.

    Two weeks before the accident, i was complaining or symptoms and this is has been recorded in my GP notes as a flare.

    My blood showed a decline in inflammation before the accident and then started to rise again after the accident.

    I had a change of meds and 6 months after the accident i was hospitalized for 4 days.

    In May 2017, i had emergency surgery twice in 6 days and resulted with a stoma.

    I suffer from anaemia that is secondary of my Crohns Disease.

    It was recommended by the insurance Doctor that i get an Gastroenterologist to report on these symptoms as it was not within his expertise.

    My question, considering the significance of my condition, the fact i reported to my GP of a potential flare, my inflammatory markers rising following the accident, do i accept the offer under part 36 or pursue an examination?

    • Ian Morris

      Of course, you really should consult the Solicitor acting for you already as they will know your claim and situation in more detail.
      As your existing Chrohns Disease condition may have been exacerbated by the stress of the accident & your physical injuries along with insurance Doctor’s apparent recommendation that you are seen by a Gastroenterologist and have a specialist report, it may well be wise to request that the settlement offer be placed to one side whilst this situation is investigated by way of a suitably specialist qualified medical experts report.


        Ok. I appreciate your response and understanding. But, the generous offer made, do you not think potentially if the report was to indicate an exacerbation the value would be small. I’m saying this as I believe I fit into the crumbling skull category. No point going ahead if it’s for a couple of thousand.

        • Ian Morris

          It is of course impossible for us to advise a specific likely valuation that may come from any further specialist report. One thing we can say is that it is never wise to settle a claim before a full understanding of all aspects of injury and exacerbation of pre-existing conditions is understood. You should consider whether you are desperate to close this matter and receive settlement, in which case you may wish to settle and close the claim now. Alternatively, you may be happy to wait until a full appreciation of your situation in full is reached and then settle the claim with that knowledge. You should remember that you can only settle a claim once. Therefore once you have accepted a settlement, there is no going back for further damages.

  11. Simran

    Hello I had a car accident 13 Dec 2017 GTLAW took my case and then dropped it because I said I only had minor injuries to the third party, which they recorded. However after a few days I ended up with bells palsy which affected all my left side movement, followed by another 2 bells palsy attacks again and finally leaving me facing with lifetime fybromyalgia syndrome and also carpal tunnel syndrome. I have also had unexplained seizures and i’m seeing a neurologist and pain clinics – things have worsened by the day.

    Sadly, I have even attempted an overdose as I cant help it seeing my boys like this caring for me.

    No one seems to be helping us. We are all alone and the other party has walked out free whist we are living in hell daily. Please if you can really help me then contact me or don’t. I’m sorry to be so blunt but can’t keep repeating and then you turn me down.

    • Ian Morris

      It is not uncommon for people to initially think that they have escaped an accident with minor injuries – particularly in a road traffic accident. Many symptoms don’t materialise for the first 48-72 hours and in that case, it is not unusual to hear your ‘story’ of events.

      With regards to your medical conditions, if a medical expert is happy to link the symptoms you describe to the index road traffic accident on 13th December 2017, you could pursue a claim against the 3rd party insurer.

  12. Margaret

    Hello, I was involved in a car accident 2 months ago (vehicle hit me from the left) and my vehicle is a total loss, write off. I am non-fault as the other party has admitted liability (letter received). I have made two visit’s to hospital and GP. I have had pain in my neck, the left side, and tingle aching left and have felt pins and needs/tingling sensation in my left hand from the little fingers to the middle. I also experienced left chest pain on the front and back on odd few occasions. My own insurance informed me to go to the other party that admitted fault because they are the same (umbrella company). I did so basely on their advice (I have never had a car accident). I currently feel the whole claim is mishandled. My GP has informed me that I have nerve impingement which the GP provided copy and I showed this to the physiotherapy and he says the insurance should refer me to the GP insurance. I am still experiencing behind neck pain today and left neck with a tingling sensation in my left hand. This also wakes me up in the middle of the night and I feel a heavy head like a headache across the forehead. Till now, I have heard nothing about the GP insuranace. Both companies (mine and the other) have been messing me around where they both say they are handling vehicle repair in the first instance.

    • Ian Morris

      You have clearly suffered nasty injuries in this accident with moderate to serious symptoms still present. With that and the admission of liability in mind, you should have no difficulty in obtaining a compensation settlement for the pain, discomfort and stress caused by the injuries sustained along with recovery of medical costs and any out of pocket expenses.

      It would appear that you are currently relying on the insurers to deal with the personal injury element of your claim as well as the vehicle damage. We would strongly recommend that you instruct a specialist independent personal injury Solicitor to act on a No Win No Fee basis and pursue your injury claim for you. At Direct2Compensation we have experts in road traffic accident personal injury compensation who can manage your claim without any bias or possible lack of independence and ensure that any claim that you make will be settled at the maximum and appropriate value for you.

      If you would like us to help you with your claim for personal injury compensation as a result of the injuries you sustained in this car accident, please call us on 01225430285.

  13. dilwana

    if I was bumped by a car on way to shop during break.

    • Ian Morris

      If you were injured in this incident, you could seek to make a claim for compensation against the insurers of the vehicle involved. To pursue such a claim, you would need the vehicle registration details. If the vehicle fled the scene and you do not have the information about the identity of the driver, you could still seek to make a claim using the Motor Insurers Bureau schemes for uninsured or untraced driver claims.

  14. James C


    I had a serious car crash in Spain resulting in a broken back plus other injuries.
    Unfortunately it was my fault, should I have received driver training abroad from my employer?
    I was not breaking the law just a confusion on spainish rules against uk.

    • Ian Morris

      It is unlikely that you would be able to hold your employer responsible for this accident. As you state, it was unfortunately your fault as a result of driver error.

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