13 FAQs About Road Traffic Accident Claims

By: evelyn | Date: 2020-11-03

With the increase in technology, mobility has become easier. Thanks to the advanced vehicles, you can travel hundreds or thousands of miles in a day. But with this blessing, there is one big problem: the rapidly increasing number of car accidents. You are always at a risk of getting hit by some other vehicle. However, you can make a road traffic accident claim if you fulfil certain pre-requisites of injury claims. This amount of compensation makes up for almost all the expenses you paid after your car collision. 

It is often confusing and distressing to be in a road accident. Due to this, most victims do not know the right steps they have to take to make a successful road accident claim. In this way, they remain deprived of getting road traffic accident compensation despite that it is their legal right. But you don’t have to be incognizant anymore. Lawswood Claims has brought you a comprehensive guide to road traffic accident claims. It covers almost everything you need to know about car accident claims.

When talking about road traffic claims in the UK, there are a number of questions that come in the mind of victims. What are road accident claims and how do they work? Am I eligible? What if I was a passenger in the car or what if the accident was my fault? How can I get an RTA claim, how much time does it take to settle and how do car accident injury settlements work? All these questions may also have confused you. But not anymore. We have gathered a list of some of the most frequently asked questions about road traffic accident claims. It is time to get the answers. But let us start from the basics first.

13 FAQs About Road Traffic Accident

1. What Is A Road Traffic Accident Claim?

Road traffic accident claims are also known as RTA claims. It refers to the amount of compensation that the victims of the car accident receive if they had been in a road accident. To make the claim, the victims should be guilt-free from the accident. They should not be negligent when the accident happened. It makes up for almost all the expenses that the victims had to bear after the accident. If you have been in a road traffic collision, it is your right to get an RTA compensation for the injuries you sustained.

2. How Does A Car Accident Settlement Work?

In the UK, every vehicle owner must have a car insurance policy. Without having an insurance policy, it is illegal to get a car on the road. If you happen to be in the road traffic collision and you are not negligent, you have to make a claim against the person at fault. The other person won’t pay you out of their pocket. Instead, the insurance company will pay you road traffic compensation.

When you make a claim against the other person’s insurance company, they assign the case to an insurance claims adjuster. The adjuster is an expert in managing the cases of road traffic accident compensation claims. They investigate your case to make sure whether you are eligible for the claim or not.

Always keep in mind that the adjusters will not be acting in your favour no matter how friendly they are. They will try their best to either deny your claim or minimise your amount of compensation. That is why it is best to let us handle your case. Our experts have years of experience in dealing with the adjusters and getting the most out of RTA claims.

3. Am I Eligible For Making A Claim After Road Traffic Accident?

Have you been in a road traffic accident and want to get RTA injury compensation? Hold on, take a look at whether you are eligible for making a road traffic accident claim or not. The most important thing is that you should not be on the fault for the accident. You have to prove that you were vigilant at the time of the accident and the other driver was negligent. There must be someone whom you can blame for the accident. You have to put the liability of the accident on someone. It is because the insurance company of the person at fault will give you the RTA compensation.

4. Can I Make A Road Accident Claim If The Accident Was My Fault?

If you see the eligibility criteria, it is clearly mentioned that a person at fault cannot make a road traffic injury claim. However, this should not let you down. There are still some ways you can make a road accident claim but the amount of compensation may be reduced. Plus, the case gets more complicated that is why you should hire our injury claim specialists to make the claim.

One of the most common ways is when you are partially at fault. Even if you are more than 75% at fault for the accident, you can still make a claim. If you have experts dealing on your behalf, you will get a decent amount of money. That is why get connected to Lawswood Claims before assuming that you cannot make a claim.

5. Can I Make A Car Accident As A Passenger?

You don't necessarily have to be a driver to get a road traffic accident compensation. You can even make a claim when you are a passenger. Whether you are in public transport or travelling in your own vehicle being a passenger. If you are a passenger, it is your right to get compensation if you have been in a road traffic accident as the fault is not yours. You can even claim against your own driver if you have conceived injuries in any vehicle collision. The amount of compensation covers all the general damages, medical expenses, travel expenses and loss of earnings etc.

6. What To Do After A Road Traffic Accident In The UK?

You never know when your happy day may turn into a nightmare. That is why it is crucial to know what to do when you are caught up in a road traffic accident. Mostly, victims often lose their claim money just because they didn’t know what to do after a road accident. To save you from this, Lawswood Claims has the list of steps to take after a car accident.

  • Never run away from the place of the accident.
  • Make sure you and the other passengers are fine. Call the ambulance if needed.
  • Call the police by dialling 999 (in emergency cases) or 101 (if it is a non-emergency case)
  • Exchange the details with other persons involved in the accident. 
  • Photograph the place of the accident if it is feasible for you. 
  • Contact the insurance company

It is best to call Lawswood Claims soon after you get into an accident to get the expert road accident advice. Our experts will cater to all the formalities on your behalf according to their expertise. It makes it easier for you to get your claim money.

7. How Long Do I Have To Report A Car Accident To My Insurance Company?

If you have been in an accident, you must report your accident to your insurance company. Most insurance companies require you to report the accident within 24 hours. It is best to tell your insurance company as soon as possible. You can also check your insurance policy to know the time limit to report the accident to your insurance company. It is because some insurance companies may have extended duration. But the general rule is to report your accident as soon as possible.

8. Is It Compulsory To Give Your Details To The Other Party After The Accident? 

Under the Road Traffic Act 1988, Section 170, the driver is bound to stop at the place of the accident for some time. If you are the driver of the car, here are the details that you must provide to the other party after the accident. 

  • Your Name
  • Your Address
  • Your Vehicle Registration Number
  • The Name and address of the vehicle owner if the vehicle is not yours. 

It is best to exchange these details at the place of the accident. If you could not do so, you must report your accident to the Police, in person, within the 24 hours of the accident.

9. How Long After A Road Traffic Accident Can You Claim In The UK?

Under the Limitation Act 1980, Section 11(4), you have three years to make your personal injury claim after: 

  • the date on which the cause of action accrued; or
  • the date of knowledge (if later) of the person injured.

The same rules apply when you are making a road traffic accident claim. The date of knowledge refers to the date you came to know about your injuries caused by the accident. If you are minor at the time of the accident, your three years deadline starts when you become 18 years of age. After that, you can make your car accident claim until you become 21 years of age.

10. How Long After An Accident You Should Make A Claim?

Though you have three years to make your claim, yet it is not advisable to wait for that long. It can make it difficult for you to get your compensation money. But it also doesn’t mean that you should make your claim immediately after the accident. Then what is the best time to make your RTA claim? It depends on the nature of your case. If you have been through all the treatment and you have enough evidence to make a successful accident claim, you should file compensation for a road traffic accident.

11. Is There A Way To Make An RTA Claim After Three Years Of Accident?

Generally, you have three years to make your RTA claim. However, there are certain situations where you can make your car accident claim even after the three years of your accident. Under the Limitation Act 1980, Section 33, the court has the power to extend the time limit of personal injury claims in certain events. 

Lawswood Claims has expert personal injury claim specialists who have in-depth knowledge about personal injury claims. Our experts know a lot of ways to extend the time limit to make your road traffic accident claim successful. That is why do not hold yourself from making filing for road traffic accident compensation thinking that the three years deadline is near or has passed.

12. How Much Compensation For Road Traffic Accident Can I Get?

Before starting the road traffic accident claim process, one of the main concerns that victims have is about the amount of compensation. Most of the victims are curious to know about how much compensation for a road traffic accident can they get. There is no definite answer to this question. It depends on the severity of your injury and some other factors such as the pieces of evidence and the number of witnesses you have. It also depends on how well you present your case and how well you negotiate with the insurance claims adjuster. Your amount of compensation is highly affected by whether you hire injury claim specialists or not.

13. How Long Does A Road Traffic Accident Claim Take?

One of the most commonly asked questions is about the duration of the case. Road traffic compensation claims typically take four to nine months for settlement. But it is not the same in every case. You may get your compensation in less than four months. On the other hand, you may have to wait longer than nine months to get your claim. Mostly, it takes less time to settle a claim when you hire injury claim specialists. It is mainly due to the expertise they have. Using their experience, injury claim specialists settle your claim within the least possible time for the maximum amount of compensation.

How To Hire Our Injury Claim Specialists?

Have you been in a road traffic accident and thinking of making a road accident claim? Lawswood Claims is here to cater to all the formalities and red tape of making your claim. Our priority is not just to settle the case quickly. But we focus on maximising your amount of compensation without letting you go through any formality. To hire our services, adopt any one of the methods listed below.

  • Fill the form on our website which only takes less than a minute
  • Call us directly at 0330 223 5110 to book an appointment
  • Click on the WhatsApp Icon on the bottom right corner of your screen to book an appointment with us. 
  • You can also email your queries to us at newenquiries@lawswoodclaims.co.uk

After booking an appointment with us, our experts will analyse your case in-depth. After that, we will start our accident claim process if the between us gets finalised.

CALL US: 0330 223 5110