How To Make Most Out of Car Accident Claims?

By: evelyn | Date: 2020-05-01

Getting into a car accident is the worst thing a person can experience. You have to go through a lot of physical and mental stress. If you have been in an accident, you may be dealing with a lot of medical expenses, pains and sufferings due to the accident etc. While getting proper treatment for your injury, you may have to spend a lot of money out of your pocket. In this way, you will be out of money until you recover properly.

But why should you suffer when it was not your fault. When you get into a car accident, you are eligible for car accident claims. All you need to know is how you will be able to get your claim. If you are thinking that up to how much amount of compensation you can get, you are in the right place. In this article, you will be told about the average settlement for car accident claims. You will also be told about the types of expenses your road accident claim will get you.

Can You Get Car Accident Claims?

Car accident claim is the amount of claim a person is granted to cover all the sufferings caused by the car accident. But to get your amount of claim, you have to prove that the fault was not yours. If you cannot prove the negligence of the other party, it is highly unlikely that you can get your claim. In such cases, you may have to pay the amount of compensation to the other party.

Who Pays For Car Accident Claims?

In the UK, every car owner is obliged to have car insurance. You must have car insurance to drive your car in the UK. If you do not have car insurance, it is illegal to come on the roads with your car. When you have a car accident and you are not negligent, the insurance company of the other party will have to pay you the amount of claim.

Average Time for the Settlement of Claim

There is not any fixed number of days or months in which the car accident claims get settled. There is a whole process of filing car accident claims. Any person who wants to get the amount of compensation will have to go through this procedure to get the claim. The amount of time it takes to get your claim depends on the nature of the case. Some cases are very complex to deal with. In some cases, it becomes hard to determine who was at fault. In such cases, it takes longer than usual.

Typically, it takes four to nine months to settle a case of road accident claim. But if the other party refuses to accept the liability, it takes much longer than this. In a nutshell, it entirely depends on how you present your case and whether you hire an expert or not.

Does Having Your Fault Affect Your Compensation Amount?

When it comes to your fault for the accident, there are two scenarios

  • Is it entirely your fault
  • You are partly at fault

If you are solely responsible for the accident, it is highly unlikely that you will get your amount of compensation. In such cases, you will be held responsible for the accident and you will be refused to pay the amount of claim. When the accident is your fault, you will have to pay the amount of claim to the other party. But before making any assumption you should discuss your case with injury claim specialists.

But there is another scenario in which you will be able to get your amount of claim. Although, not the 100% amount of compensation but you will get some money. That is when you are partly at fault. If you are also negligent but not entirely, you can claim your amount of compensation. In such cases, the liability of the case will be divided between both parties. You will receive the share according to your share of negligence. Here are the three main scenarios of split liability cases.

  • You split in a 75%/25% ratio. In such a case, you will get 75% of the amount of compensation.
  • You split in a 50%/50% ratio. In this case, both the parties will get equal share as the liability of the accident is equal on both parties.
  • You split in a 25%/75% ratio. If you are at more fault than the other party. You will get only 25% of the share of compensation.

How Car Accident Claims Are Calculated?

Car accident claims take into account all the sufferings and pains of the accident. The amount of compensation you will get is based on a lot of factors. The general rule to calculate the amount of claim says to sum all the expenses for medical bills, car repairs and loss of job. Then multiply that sum by three.

For example, you had a medical expenditure of £3,000. You spent £2,000 on repairing your car. Moreover, you could not go to work for a month which cost you £2,500. In this way, you can expect the amount of compensation from £15,000 to £23,000. The amount of claim is generally high for severe injuries.

Why Do You Need Injury Claim Specialists?

One of the biggest factors that affects your amount of claim, is to hire any specialist to handle your case. The injury claim specialists will negotiate for you and the maximum amount of claim possible to get. In this way, you will get the amount of claim more than you deserve to get. So, if you want to make the most out of your claim, you should hire injury claim specialists.


The average amount of compensation for car accidents is not fixed. It entirely depends on your case. If your case is complicated and you do not hire any specialist, you may receive less than you deserve. It all depends on how well you present your case. In this article, you have been told about some factors that affect your amount of claim.

    How To Make Most Out of Car Accident Claims?
    CALL US: 0330 223 5110