Can you make an accident claim [Road Traffic Accident (RTA)]?

The number of Road Traffic Accidents and Road Traffic Collisions are on the rise. In the UK the percentage of road traffic accidents have increased and the law requires all UK drivers to have insurance cover of some type either; Fully comprehensive, Third Party only or Third Party fire and theft.

You may be entitled to make a car accident claim regarding your road traffic accident and any injuries that you sustained as a result of that road traffic accident and is clearly the fault of the third party involved in the accident.

Whether you were a driver, passenger in the vehicle, taxi driver or passenger in a taxi, cyclist or pedestrian that had an accident with the vehicle or car this gives you the right to claim compensation for your vehicle damage and any injury or pain suffered, medical expenses, loss of income, loss of potential income, and other loss of expenses that are all specifically related to the car accident. How much compensation you get for your claim is dependant on injuries sustained and circumstances of the accident.

Having the correct type of insurance policy in place allows anybody involved in a car accident to be protected and covered.  It allows the driver or anybody else involved in the road traffic accident or any other type of an accident to be able to claim compensation on any personal injury that may have occurred. if you happen to find out that the third party driver had no insurance or incorrect insurance when the road traffic accident occurred you could still be able to claim for compensation on your vehicle damage and personal injury claim.

What if you’re the driver in a road traffic accident (RTA)?

Being the driver in a road traffic collision and claiming for any loss, damage to the vehicle and personal injuries can be distressing, However, the good news is you could make a claim if another person or party was responsible for the accident.  this could mean that the third party who is responsible is another driver, however, this may not be the case and the accident may be caused by the negligent actions of other parties or persons.

In the event of an accident involving a cyclist, motor biker or pedestrian there may be enough sufficient reason to claim on them if later found that they were at fault of the accident even though the offending party may not possess sufficient insurance.

Can I claim for my personal injuries as a passenger in a vehicle (car or customer in a taxi) involved in a road traffic accident (RTA)?

As a passenger who has been involved in a road traffic accident or collision, you can claim for personal injuries that have been experienced in this event.  Generally, passengers are considered blameless casualties that have suffered in the unfortunate event of an accident and experienced injuries at the neglect of other third party’s or drivers. However, failing to conform with the law regarding wearing a seat belt could have an effect on the level of damages received in any accident claims award for the individual.

Somebody must be held responsible and at fault, for you to be able to claim as a passenger, the injuries sustained must have been caused by another motorist, or by road conditions.

You can make a claim if you were injured as a passenger in a car accident, bus or a taxi. Don’t worry, if you weren’t in a road traffic accident as accident injuries can involve pedestrians, cyclist, and motorcyclist.  If your injury was caused by another motorist then the compensation you may receive will be paid by the third party insurance company. 

However, if you were injured by an uninsured driver or involved in a hit and run accident or an accident involving pedestrians, cyclist or motorcyclist then we can still put your accident injury claim to our team as in these cases your accident compensation may be paid by the Motor Insurers’ Bureau (MIB). 

What can I claim for?

When your case is presented to the insurance company it is put forward with the medical evidence to support your valuation of injuries sustained in the accident. The guidelines are set by the Judicial Studies Board (JSB) to cover all types of injuries sustained in an accident, the insurers may try to negotiate with these figures whilst we argue the case for the highest possible available amount of compensation that you’re entitled to.

General damages cover compensation regarding your physical injury, mental injuries, psychological trauma. However, you can claim for Special Damages which may include:

  • Loss of earnings (income)
  • Vehicle repair damage costs
  • Vehicle Hire costs
  • Medical expenses
  • Damages to Personal Possessions
  • Physiotherapy or Rehabilitation
  • All other cost related to the car accident


Top Ten Holiday Sickness Destinations

A holiday is meant to be a treasured memory for you and your family, sadly as our staff here at Claim 3000 have discovered holiday sickness is becoming more common.

We are experts at handling your holiday sickness compensation claim.

A question often asked to us by our clients is “where am I most likely to fall ill if I go on holiday?”  Below is a list of the top ten destinations according to survey of 2000 holiday makers:

Top 10 places for getting sick abroad

Spain: 30%

Turkey: 15%

Egypt: 13%

Greece: 12%

France: 12%

Italy: 8%

America: 7%

India: 7%

Morocco: 6%

Thailand: 6%

If you have been sick abroad, claim your holiday sickness compensation today on 0333 355 3000.

How do you claim for a road traffic accident?

Tina was awarded over £4,300 for her whiplash injury after being involved in a car accident whilst waiting at a zebra crossing.

“While stationary, a car from behind shunted my car. The defendant’s air bags came out,” Sarah explains.

“A passer-by called the police, ambulance and fire brigade. My husband took me to the hospital on the same day, where my injuries were confirmed.”

“I am still suffering,” she says, months later.

After recent newspaper reports about fraudsters and low-speed car accidents, whiplash may not be taken seriously by some.

Yet it remains a common complaint, often leading to weeks and months of pain, and time off work.

One leading insurer says it’s the cause of 76% of all claims for bodily injury in the UK.

Whiplash is defined as a sprain of the neck, where the tendons and ligaments are stretched or torn by sudden forwards, backwards or sideways movement.

It’s common in urban traffic shunts, and while symptoms can take 6-12 hours to develop, they can keep getting worse for several days.

Read more:

The symptoms and diagnosis

Symptoms include neck pain, muscle spasms, headaches, tenderness and limited movement.

Claim 3000 can help you claim

Claim 3000 can help you claim

One study used by the NHS found that 12% of sufferers still had problems more than six months later.

Though the average recovery time is 32 days, more serious injuries can bring on complications.

Unfortunately, anxiety and depression are not uncommon in those suffering prolonged pain, and these can affect your work life too.

False claims

Of 4000 whiplash claimants surveyed by the Association of Personal Injury Lawyers in 2012, almost 90% had been diagnosed by a doctor or other medical professional.

That’s despite 47% of them admitting to playing down their symptoms ‘so as not to make a fuss’.

In concluding the TSC report, Louise Ellman MP warned against dismissing whiplash.

“Many claims are genuine and relate to real injuries which can affect people for months or years,” she said.

“In the debate about how to reduce fraud and exaggeration, genuine claimants should not be demonised simply because their condition cannot be picked up on a scan.”

While a blow to the head from a fall, a flying ball or a fist can cause whiplash, it’s most common in car collisions.

The Royal Society for the Prevention of Accidents stresses the importance of restraints in your car.

Correctly adjusted, they should be as high as your head and as close as possible.

It will reduce the time it takes your head to initially contact the restraint, and increase the time your head is supported during an accident, says ROSPA.

Make a claim

If you’ve been injured and suspect your suffering from whiplash, it’s a sound idea to talk to a one of our representatives at Claim 3000 on 0333 355 3000.

Credit The Daily Mirror™

Personal injury claim should not affect care assessments warns ombudsman

Personal injury claim should not affect care assessments warns ombudsman
Personal injury settlements should not be taking into account by councils when assessing someone’s care contribution, the Local Government Ombudsman (LGO) has warned.

The ombudsman said that any money awarded to someone in a personal injury claim does not include a payment for ongoing or future care costs. Therefore councils should not be taking this money into account by councils when assessing a person’s contribution towards the cost of their care.

The warning follows an investigation into St Helens Metropolitan Borough Council after it refused to fund a man’s care because he was awarded nearly £3m after suffering a brain injury in a road accident.

The LGO intervened after the council initially failed to produce a care plan or a financial assessment on the man.

The council told the LGO that the man should use his damages claim to fund his care, and the issue should have been litigated in court.

Dr Jane Martin, Local Government Ombudsman, said: ‘Despite the man in this investigation receiving a settlement in court, this did not provide for future care costs and so he was entitled to be assessed on the correct terms for his contribution towards those costs.

‘Guidance says councils can take into account income generated from the capital received in a personal injury claim, but they cannot take into account the capital itself. It is important that all councils remind themselves of this guidance when assessing care needs.’

A council spokesman said: ‘The council has previously given serious consideration to the points made by the Local Government Ombudsman in this sensitive matter. In particular, the council has considered the relevant case law, but has found itself in disagreement with the conclusions which the ombudsman has reached in applying relevant case law to the facts of the complaint.

‘However, having now received the Local Government Ombudsman’s final report, the council will consider the report and its recommendations in a fair and balanced way prior to responding to the ombudsman within the specified period.

How long does a personal injury claim take to settle?

time to settle?

Having a Whiplash injury in a road traffic accident is a common injury, however, it can affect the victim in differently due to the severity levels of injuries gained. The whiplash injury can affect the ability of basic daily functionalities including mobility, movement, physical activity and drive to get back to work. How long it takes only depends on the circumstances and events of the personal injury claim.