Claims & Compensation2 min check

Road Traffic Accident Claim Checker

Quick indicative check on whether you may have a viable RTA claim and which route applies.

Short answer

Road Traffic Accident claims under £5,000 (whiplash) go through the Official Injury Claim portal (OIC). Larger claims use the MoJ Portal or full litigation. Whiplash tariff (Civil Liability Act 2018): £240–£4,345 depending on duration of symptoms (up to 24 months).

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How it works

If injury is whiplash-only and under £5k, use OIC portal yourself or via solicitor. If injury exceeds tariff or includes other injuries (broken bones, psychological), the MoJ portal or full claim applies. We screen for the right route.

Worked example

Rear-end shunt at 25mph, 8 months neck pain, 3 physio sessions: whiplash tariff £840, plus £150 physio + £30 travel = £1,020 via OIC portal.

Who should use this

•Drivers, passengers, cyclists or pedestrians hurt in a UK road accident
•Family members of someone killed in an RTA
•Anyone hit by an uninsured driver (MIB claim)

Common mistakes

×Going through the at-fault driver's insurer without legal advice
×Accepting first offer (often 30–50% below tariff)
×Missing the 3-year limit (date of accident)
×Not getting an independent medical examination

Frequently asked questions

What if the other driver is uninsured?▾

Claim through the Motor Insurers' Bureau (MIB) — same rights, slightly slower process.

Cyclist or pedestrian?▾

Same 3-year limit, no whiplash tariff (you're not in a vehicle), claim against driver's insurance.

Is dash-cam footage useful?▾

Yes — strongest evidence. Save it immediately and share with your solicitor before insurer requests it.

Related calculators

Personal Injury →Loss of Earnings →No Win No Fee →Limitation →