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  • Selena Taylor
  • January 25, 2024

How to File Personal Accident Claim: Step-by-step Guide

Your Roadmap to Success – Filing Personal Accident Claims Simplified
Personal Accident Claim

Most people find making a personal accident claim challenging, even if it wasn’t their mistake. Have you also been involved in a life-changing accident and are now looking for a personal injury claim? If yes, you are at the right spot!

This detailed article explores all stages and steps to make an accident claim, whether you are at fault or not. Even if you are aware of the claim process, you still need to consider a few things to begin the process in the best possible way.

This post explains a step-by-step guide to making a hassle-free and accurate car accident injury claim, even if you are a novice. So, start reading the post to delve into the further details:

Steps to File a Personal Accident Claim: A Detailed Guide

If you have been involved in an accident that wasn’t your fault, you will surely get compensation from a faulty party. However, this is a detailed process, and you cannot complete it without legal assistance.

Let’s examine the detailed process of personal accident claims that influence the potential outcome;
  • Appoint a Legal Solicitor
Completing an accident or personal injury claim might be challenging without legal assistance. So, you first need to appoint a legal solicitor to assist you at each step. You can increase the chances of a win if you have professional assistance.

Ensure you choose a solicitor individually rather than rely on the government claim management authorities or teams.
  • Assess the Accident Scene to Find Who Was Responsible
Before making a claim or contacting a legal solicitor, you must identify or examine the accident scene to find the actual liable for this situation. Most people don’t consider this step before making a claim, but it can be crucial in finding your innocence in the entire scenario.

Remember that personal safety is the foremost thing to consider once you have been involved in a car accident or a car crash. So, seek medical help immediately after an accident. Even if the injuries are minor, you can still ask for help from the emergency helpline. You may also need to call an ambulance and go to hospital if the injuries are severe.
  • Find Witnesses for Accidental Scene

It would be great to find witnesses if you have gone through a road accident near a public point or road. You can ask people on the road to ask what happened at the time of the accident. This will make your claim case slightly more defined and robust than usual.


You can also find evidence for a personal injury claim if you have a single witness. You can also ask for compensation if you have suffered personal injury in a public accident.

  • Follow Personal Accident Claim Pre-Action Protocols
Pre-action rules and protocols that you have to follow to complete a legal process for a car accident personal injury claim. Ensure to add complete details of faulty and non-faulty parties to make your claim successful.

To fulfil pre-action protocols for an accident claim, you have to consider the following steps:
  • 1. Send a Notification Letter
Before sending a claim letter to a faulty party after an accident for a personal injury claim, you must notify or warn the defendants. However, you don’t need to provide complete accident details while sending the notification letter to the next party.

If the defendant party has any proof or legal evidence in response to this warning letter, they must submit it within fourteen days.
  • 2. Seek for Medical Assistance
Whether or not you are at fault, you must seek medical assistance after an accident. If the medical treatment or care were done through a faulty party, the amount would decrease when compensating the non-faulty party.
  • 3. Send a Claim Letter

The actual traffic accident claims start after sending the claim letter to the defendant’s party. This letter includes all legal details, liabilities, claim requirements, accident evidence and the accident date. It will also have the details of minor and severe injuries caused by an accident.

If the claiming party has already paid for any medical assistance due to severe injuries.

  • 4. Get a Response Letter from the Defendant
Once the claim letter has been sent to the faulty party, he has to acknowledge and respond the letter within the first twenty-one days. However, investigating the situation can take more than two or three months before paying for any liabilities by the defendants.

However, the defendant party has to pay for the liabilities once the three months have passed doing an investigation or gathering evidence. They must send a response letter to pay for the liabilities even if they are not guilty and ready to pay for personal injury or accident claims.
  • 5. Examine the Claimant for Personal Injury
No matter the type and condition of an injury, the claimant party must provide complete medical evidence for the defendant party. No doubt, medical assessment is crucial for making a personal accident claim.

In this scenario, a medical specialist will examine the injured person to collect all details, such as minor or severe injuries, the cost to cure those injuries and the level of suffering from the injury.
  • Provide Legal Evidence for Personal Accident Claim

To make a personal injury claim after an accident or car crash, you have to provide detailed evidence to the defendant party or solicitor. So you can get the proper compensation for your personal and car-related losses.


Evidence is also essential to determine who is at fault or who is blaming. To fulfil this step, you have to provide the following evidence:

  • Medical evidence, including the severity of injuries, medical reports and the level of suffering
  • Ask witnesses to know what happened at the time of an accident
  • Clear pictures of accident spots, including crashed cars and visible loss
  • Provide precise financial details and records to get the right level of compensation
  • Provide Legal Evidence for Personal Accident Claim
Once the defendant party is ready to pay for all personal accident claim or liability, the next step is calculating the level of compensation. The level of compensation will be different in different scenarios. So, the solicitors cannot charge anything unusual to a faulty party. There are leading factors that will affect the personal injury claim cost, such as:
  • Level of suffering due to an injury after an accident
  • Future loss in terms of earnings and amenities
  • Cost of medical treatments
  • Vehicle repair or replacement cost
  • Look for No Win, No Fee Claims

Undoubtedly, paying for legal expenses to get a personal accident claim is difficult for any party. If you are also one of them, don’t worry; multiple solicitors and companies in England offer no-win, no-fee services for their clients.

Even if you are in a hurry after an accident and are approached by different claim management authorities, always prefer a solicitor with a no-win, no-fee benchmark. In this scenario, if you haven’t won the claim case, you don’t need to pay even a single penny to the solicitor.

  • Set Stages for Compensation Payment
Once you have fulfilled all steps and won the claim, it’s time to decide the compensation payment stages. It means you can get compensation within one or several instalments yearly or quarterly.

The compensation instalments are usually made if you have won a long-term personal accident claim. It may be difficult for the payer to pay the entire amount in a single go. The insurance company or solicitor will use this compensation amount for your care after an accident or compensate for other losses.

Does Court Intervent in Personal Accident Claim?

As mentioned, if you have followed all pre-action protocols, you can get compensation through a legal solicitor. So, court intervention isn’t involved in most cases as pre-action protocols help both faulty and non-faulty parties complete the process proficiently.

If you cannot get compensation for the result of a car accident personal injury claim, you can involve the court to speed the process. Suppose the faulty party is ready to negotiate or compensate the non-faulty party. In that case, this matter can be resolved without court intervention, even after sending a legal notice through a court. 

What are the Time Limitations for Personal Accident Claims?

You can claim for personal injury after an accident within three years. However, this time limitation will be calculated according to the date of the accident. After reading the personal accident claim stages and steps, you can assess the complexity of this process.

So, applying for the claim immediately after an accident will be a good practice. You can get a settlement for personal injury claims within five to six months, especially if the faulty party is ready to pay for the compensation without involving any legal matters.

Claim for Personal Injury Today!

Hopefully, this article will provide all the details and information needed to file a personal accident claim. Once you have understood all of these stages and steps, you are all set to make settlements with the help of a legal solicitor.

Ensure you choose a solicitor with the no-win, no-fee slogan to file a claim so you can save your money even if you haven’t got any compensation against your claim.

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