Suffering a whiplash injury can be debilitating, and it’s one of the most common injuries sustained in a car crash. If you have been injured in a car crash caused by somebody else then you might find yourself wondering how much compensation for a no-fault whiplash injury is it possible to claim. The answer can actually vary depending on a number of different factors, but you should be eligible to make a claim provided somebody else was liable for your accident and it has been less than three years since the accident happened.
Grades of whiplash injury
In 1995, a system was devised in Quebec to grade the severity of different levels of whiplash injury from Grades 1-5, where five is the most severe and one is the least severe. Grades 1-3 are the most common grades of injury, so let’s look at what those mean.
This is the least serious type of whiplash injury and recovery normally takes a few months. The best way to describe a Grade 1 injury is as having no physical signs of injury but with neck pain. Full recovery from a Grade 1 injury can take from three to six months, and the average award for this type of injury can range from £1,000 to £7,500.
This is a moderate whiplash injury which usually feels better within six to 12 months. There will be musculoskeletal signs, as well as neck pain, obvious swelling and signs of bruising. Full recovery from a Grade 2 injury can take up to two years, and compensation settlements can range from £4,000 to £12,000.
A Grade 3 whiplash injury is considered to be a moderate-severe injury, with recovery exceeding 12 months in many cases. There will usually be musculoskeletal and neurological signs, and most people find this grade of injury so debilitating that they are unable to move their heads. Full recovery from this grade can take up to three years, with settlements ranging from £10,000 to £16,000 in some cases.
If you’re wondering how much compensation for a no-fault whiplash injury is likely, hopefully this will give you a guide, but the best way to find out what you could be entitled to is to take the 30-second test here on our website, to see how much you could receive.
How much compensation for a no-fault whiplash injury?
Anybody wondering how much compensation for a no-fault whiplash injury is normally paid out will also be interested to know how we calculate personal injury settlements. We take into account a number of different factors including:
- The severity of your injury
- How long it takes you to recover from your injury
- Prognosis for the future
- Any acceleration of pre-existing conditions
As well as claiming compensation for general damages you should also be able to claim compensation for special damages. This covers financial losses related to your injury, such as loss of earnings and medical expenses that you have had to pay out.
How common is whiplash?
You may be surprised to know that according to the AA there are 200 whiplash claims a day made in the UK. Women are generally more at risk of suffering a whiplash injury than men, due to their bonier body structure and lower level of muscle bulk. In the UK alone, whiplash injury claims are said to cost the insurance industry an estimated £2 billion a year – that’s a lot of compensation. According to the AXA Whiplash Report 2013, the number of people claiming whiplash compensation has risen by 32% to 570,000 a year between 2008 and 2011, despite the number of road traffic accidents falling over that period by 16%.
In the UK, around 75% of all injury claims involve a whiplash-related injury, whilst the figure is 45% in Germany and just 3% in France.
What evidence is needed to make a claim for whiplash compensation?
When asking ‘How much compensation for a no-fault whiplash injury?’ one of the first considerations is what evidence is available? If you’ve suffered whiplash after a car accident then the good news is that you could make a claim today by getting in touch with Accident Advice Helpline. The only evidence we will normally need is proof that somebody else caused your car accident – which is usually provided by the police, who attend all accidents where somebody has been injured – and a medical report from your GP or medical professional who treated your injuries.
This is evidence which we will gather when you decide to proceed with a claim, so all you need to worry about is getting in touch with us. Most whiplash claims are settled out of court – in fact Accident Advice Helpline processes most claims in full over the phone, so it’s unlikely that you will need to go to court to get the compensation you are entitled to.
How to make a claim for compensation after your accident
If you’re wondering how much compensation for a no-fault whiplash injury is possible, and you’ve taken the 30-second test here on our website, then it’s time to get in touch with Accident Advice Helpline. Our freephone helpline is open 24/7 and you can call to find out more about making a 100% no-win, no-fee claim on 0800 689 0500 (or call 0333 500 0993 from a mobile).
Our advisors have been helping people for over 16 years, and all advice is provided on a no-obligation basis, so there’s no pressure to go ahead with a claim unless you decide you want to. Remember that you could be compensated for loss of earnings if you have taken weeks or months off work after suffering a whiplash injury, so if your family is struggling financially after your accident, making a personal injury claim could be the first step towards getting things back on track.
Get in touch with us today and find out if you have a viable claim – we are here to answer any questions that you have about the claims process and support you if you decide to proceed with a claim. There are no upfront fees to worry about with our no-win, no-fee service, so anybody can afford to make a claim with us.
Date Published: 9th December 2012
Author: David Brown