Making personal claims for road traffic accidents
If you are unfortunate enough to be involved in a road traffic accident, which was not your fault, then you may be entitled to make a personal claims for compensation. If you are a passenger in a car, van, bus or coach, which is involved in a collision, your personal injury compensation claim would be made against the insurance company of the person responsible for the accident, whether that is the driver of the vehicle you were travelling in or a third party driver (or both if necessary).
If you are a pedestrian, a motorist, a pedal cyclist or a driver, personal claims are made against the insurance company of the person driving the vehicle which collided with you.
You may also be able to make a claim for compensation so take our 30 second test to see if you are able to make personal claims.
The most common personal claims
Perhaps the most common type of injury resulting from a road accident is whiplash; however, many other different injuries are possible.
Action to take before starting a personal injury claim:
- As with all personal injury compensation claims, you would need to prove that another person was responsible for your personal injury (in this case the driver of the vehicle you were travelling in or the third party driver).
- To help your case, you should take names, addresses and telephone numbers of any witnesses to the accident and take photographs of the accident locus if possible. If the third party driver has no valid insurance, leaves the scene or admits to driving a stolen vehicle, you should contact the Police immediately and report the incident.
If you are intending to claim expenses such as prescription costs and travelling expenses, remember to keep receipts as evidence. Accident Advice Helpline is well equipped with a wide variety of experience in successful personal claims.
A list of organisations which may be able to help you following a Road Traffic Accident:
- The Royal Society for the Prevention of Accidents (RoSPA) – is actively involved in the promotion of safety and the prevention of accidents in all areas of life – at work, in the home, and on the roads, in schools, at leisure and on (or near) water.
- Brake – is a National Road Safety Charity. Their aims are to 1) prevent death and injury on the roads through education of all road users and campaigning for Government improvements to road safety. 2) Care for people who are bereaved or affected by serious injury in a road crash through support services, including a helpline and literature distributed through police officers.
- Motor Insurers’ Bureau (MIB) – compensate the victims of negligent uninsured and untraced drivers
- Your Local Police Force – if you need to report a non-emergency road accident to your local police force, you can find contact details here. Obviously, in cases of emergency you should dial 999.
- Accident Advice Helpline – call us on 0800 689 0500 or 0333 500 0993 from a mobile.
Date Published: 21st January 2013