Suppose you have been involved in an accident that is not your fault and are suffering from injuries and psychological disorders. In that case, you might be looking for the information if you can file a claim and handle the claims process yourself.
You can handle and manage the claims by yourself. We need to understand how to make a personal injury claim yourself in the UK and save your time and money, particularly if the accident is not your fault. You have the supporting evidence against the other driver.
Personal Injury Claims Types
Road Accident Claims
Work Accident Claims
Slip and Trip Claims
Medical Negligence Claims
Public Transport Accident Claims
Steps Involved in Making a Claim Yourself
If you are looking to handle your claim, then you need to go through the steps to file your claim, the required documents, and how to inform your insurance.
Check your eligibility to claim
Before starting the process to file a claim, we need to make sure you have a valid claim and you had an accident. You need to confirm that you were involved in an accident that is not your fault and have suffered injuries as a result of the accident.
Required Documents
Evidence and documents are important for a successful claim. We need medical records, evidence of financial losses, and the information gathered from the scene of the accident.
Notify the Insurance of the Faulty Party
After checking our eligibility and the evidence, we need to inform the other driver’s insurance or the organization if he is driving a company vehicle. We have to write a letter to the insurance or the company of the other driver to report the accident and tell them that you are looking to make a claim.
Claim Submission
The claim will be submitted to the insurers of the faulty driver. They will handle the claim and will make investigations. Submit all the documents along with the claim letter, including your medical evidence and any financial losses.
Insurer Response
The insurer of the faulty driver will make investigations to check if the accident is valid and who is responsible for the accident. The insurance will respond to you by making an offer for your injuries and damages. The maximum time to investigate is 90 days after the submission of the claim.
A Required Document for a successful claim will include:
Medical Report
Medical records and report by your medical GP will be important to evidence your injuries and its severity. The more the number of injuries, you will get more compensation. If the accident is severe, then you will get more compensation.
Financial Losses
We need to keep a record of the lost wages and other expenses related to the accident. The evidence can be medical receipts and medical prescriptions, travel costs for medical appointments, physiotherapy, and a letter from your company to evidence your lost wages.
Witness Statements and Photographs
Please speak to the individuals present at the scene of the accident and ask them to sign a witness statement. Photographs of the accident scene, injuries, or any damage. You can use it as supporting evidence to make a winning situation.
Communicate with the Insurance Company
The insurers will review the evidence and the accident circumstances. Before making an offer, they will review your medical records and the documents for your lost wages.
We can provide our wage slips before and after the accident as evidence.
Negotiate Offer
When you negotiate the offer made by the insurance company, tell them about your allegations and the evidence.
Inform the insurance to make an offer for the vehicle damages. Negotiate with the insurance representative professionally.
Contact a solicitor or accident claims management company to help you if the insurance refuses to make an offer for the injuries and losses.
Common Mistakes while Making a claim
When we file a claim for our injuries, we need to avoid the common mistakes such as
If we fail to keep a record
The inconsistent or missing records will not support your compensation claim. Maintain your records, medical reports, and other documents.
Looking for an Early settlement of your claim
If you are looking for an early settlement and accept the offer made, then you will not get the compensation according to your injuries or losses.
I am not looking to consult a legal advisor.
When you are handling your claim, consult your solicitor or accident management company for quick and legal conversation.
No Win No Fee
If you contact a solicitor or accident management company to guide you and act on your behalf, you do not have to pay anything to them.
There will be an agreement between you and your solicitor to act on your behalf. You will pay your solicitor if he wins and you get your compensation.
Time Limit to make a Claim
- Time Limits: We can claim within 3 years of the accident in the UK.
- Evidence of the accident: Collect and maintain your medical records, witness statements, and other document to support.
- Compensation: You will get compensation for your injuries and financial losses.
Risks Involved While Making a Claim
Risks are always there when we file a claim. If we claim by the OIC portal, then it is easier for you to get the guidelines to make a claim and the injury tariff.
- Personal injury risks can be
- The value of your claim and accuracy
- Presentation of your claim
- The offer made for compensation is not reasonable
Frequently Asked Question
Can I manage my claim?
Yes, you can handle and manage your accident claim if the accident is not your fault.
How long can I claim compensation?
We can claim within 3 years of the accident.
How much compensation will I get?
Your compensation depends on your injuries, losses, and damages because of the accident.
Can I contact a solicitor to handle my claim?
Yes, you can speak to your solicitor to get legal support and guidance.
