A road traffic accident (RTA) can change your life in seconds. Whether it is a minor shunt causing whiplash or a serious collision resulting in life-changing injuries, UK law is designed to protect you. If the accident wasn't your fault, the other driver's insurance must pay for your pain, suffering, and financial losses.

What to do after an accident

1
Stop & Exchange Details: It is a legal requirement to stop. Get the other driver's name, registration number, and insurance details.
2
Gather Evidence: Take photos of the vehicles, the road layout, and any injuries. Get contact details for any witnesses.
3
Seek Medical Attention: Visit A&E or your GP immediately. Medical records are the most important evidence in an injury claim.

Proving Liability

To win a claim, we must prove the other driver was negligent. This is usually clear-cut (e.g., they hit you from behind or pulled out of a junction). However, if liability is disputed, our solicitors will use:

  • Dashcam footage.
  • Police reports.
  • Witness statements.
  • Engineering reports on vehicle damage.

What if the driver was Uninsured or drove away?

The Motor Insurers' Bureau (MIB)

You can still claim. The MIB is a government-backed fund that compensates victims of uninsured or "hit and run" drivers. We handle the entire MIB application process for you, ensuring you receive the same compensation you would from a standard insurer.

Compensation Estimates (2025)

These figures are for the injury only ("General Damages"). We also claim for vehicle repairs, hire cars, lost earnings, and private physio.

Injury TypeEstimated Range
Severe Neck Injury (Fracture)£45,000 - £148,000
Whiplash (Minor - Tariff)£240 - £4,215
Broken Wrist£6,600 - £19,000
Severe Leg Injury£27,000 - £132,000
PTSD (Moderate)£8,000 - £23,000

Frequently Asked Questions

What is "Split Liability"?

If you were partially to blame for the accident (e.g., 50/50), you can still claim, but your compensation will be reduced by your percentage of fault. It is better to get 50% of a claim than nothing.

Will it affect my insurance?

You must inform your insurer about the accident even if it wasn't your fault. However, if the claim is successful and the other driver admits liability, your No Claims Bonus should not be affected, and your insurer will recover their costs.

How do the Whiplash Reforms affect me?

For minor whiplash injuries under £5,000, there is a fixed tariff. However, if you have other injuries (broken bones, tinnitus, anxiety) or were a cyclist/pedestrian, your claim falls outside the tariff and is worth significantly more.