Car Accident Claim Time Limits Explained

By Stephen Hudson. Last Updated 10th October 2024. If you’ve been injured on the road, you may want to know what the car accident claim time limit is for getting compensation. If so, you can find the answers in this guide.

We also explain the time limits in respect of making a car insurance claim for damage or injury if no one else was at fault for the accident. We also explain the car accident claims process and how our specialist No Win No Fee solicitors can help you.

If you’d like to get a free eligibility check to see if you can claim compensation, please call us on 0800 073 8804.

You can also get advice online by either using our contact form or our 24/7 live chat service.

Select A Section

1. What Is The Car Accident Claim Time Limit?
2. Are There Exceptions To The Car Accident Claim Time Limit?
3. How Long After A Car Accident Can You Claim On Insurance In The UK?
4. What Is The Car Accident Claims Process Like And Does The Time Limit Affect It?
5. Do I Need Evidence To Prove My Claim?
6. Claim For An Accident In A Car With A No Win No Fee Solicitor
7. Useful Links

What Is The Car Accident Claim Time Limit?

The car accident claim time limit is set out by the Limitation Act 1980. This piece of legislation states that all personal injury claims, including car accident claims, must be started within three years of the accident. However, there are some exceptions to this rule. We cover these in more detail later on in the article.

The limitation period is only one qualifying aspect of your claim. In order to form the basis of a valid case, you also need to prove that another road user breached their duty of care towards you and that this caused you to suffer injuries.

All road users owe each other a duty of care. This means that they have to use the roads in a way that prevents them from causing damage or harm to themselves and others. To uphold this, they are expected to comply with the Road Traffic Act 1988 and the Highway Code.

If another road user breached their duty of care, and this caused an accident that resulted in you being injured, you might be able to pursue a personal injury claim. Contact our team of personal injury specialists today to learn more, or read on to find out more about the car accident claim time limit.

Are There Exceptions To The Car Accident Claim Time Limit?

As we mentioned earlier, you have three years to start your personal injury claim under the Limitation Act. However, if your case falls outside of this limitation period, you may still be able to make a claim for car accident compensation. This is because there are some exceptions to this time limit.

For example, the limitation period is frozen for those who are injured while under the age of 18 and isn’t reinstated until they reach their 18th birthday. Then, it runs until they turn 21. If you are injured while under the age of 18, a litigation friend can start your claim on your behalf at any time while the time limit is frozen.

Similarly, the time limit is suspended indefinitely for those who lack the mental capacity to claim for themselves. In these cases, a litigation friend can claim on their behalf. If they regain the appropriate mental capacity, then the time limit will be reinstated on the date of their recovery.

Contact our team of advisors today to learn more. They can evaluate your claim for free and can answer any questions you may have, such as “How long after a car accident can you claim compensation?”

How Long After A Car Accident Can You Claim On Insurance In The UK?

The car insurance claim time limit in the UK depends on the insurance provider. As such, the best way to find out how long you have to claim for damage to your car would be to contact your insurance provider.

However, if you were injured in a car accident, then you could also start a personal injury claim. As we have already mentioned in the section above, the personal injury claims time limit is set out by the Limitation Act 1980, which states that you will generally have three years to start a claim for compensation. However, there are certain exceptions that apply to this limitation period.

For more information on claiming for a car accident, contact our team of advisors today. They can answer any questions you may have about the claims process, and could potentially connect you with a personal injury solicitor from our team.

How Long After A Car Accident Can You Claim For Damage?

In order to claim for damage after a car accident, you have to take action within the time limit. Usually, the same three-year period applies if you want to claim for damage to your vehicle as it does claiming compensation for an injury.

What Is The Car Accident Claims Process Like And Does The Time Limit Affect It?

As discussed above the car accident claims time limit is three years from the date of the incident. What this means is that you have three years from that date to start the car accident claims process (unless one of the exceptions applies).

The personal injury claims process, known more formally as the Pre-Action Protocol can be complex. Depending on the value of your claim, if you are seeking compensation for your injuries, you will need to:

• Inform the defendant that a claim is likely (this is the other party’s insurer) through a ‘Letter of Notification’.
• Determine what medical treatment you require as soon as possible, along with the other party. An interim payment can be made for your medical treatment at this stage.
• File formal notice with the defendant that a claim is being made in a ‘Letter of Claim’.
• The defendant has 21 calendar days to respond to the Letter of Claim. From here, they have three months to investigate. These investigations are one of the reasons you should start the claims process as soon after the accident as possible. Additionally, your evidence will be needed during the process. As time goes by, some evidence, such as witness statements, may be more difficult to acquire.
• Documents then need to be disclosed. This will provide clarity on the points of dispute or aid the resolution of the claim.
• Additionally, both parties can instruct relevant experts to provide testimony on the points of claim, such as an independent medical professional to assess the extent of your injuries.
• If the defendant accepts liability, a settlement offer may be made. Having a specialist road traffic accident solicitor can help you to negotiate to ensure that you are fully compensated.
• The final stage of settling out of court is ‘Alternative Dispute Resolution (ADR)’. If a settlement isn’t agreed upon at this stage, the claim will go to trial.

Please note that the steps taken for lower-value claims are different. However, the limitation period remains the same. For more information, please speak to an advisor from our team.

Do I Need Evidence To Prove My Claim?

Now that you know more about car accident claim time limits, let’s talk about one of the most important steps in the claims process: gathering evidence. When you make a car accident claim, it’s your responsibility to prove:

• Someone else is responsible for the accident.
• How severe your injuries are.
• Whether you suffered financial losses.

If you choose to make your road traffic accident claim with the help of a solicitor, they can help you with this step by collecting:

• Photographs of both your injuries and the accident site.
• Dashcam footage or CCTV footage of the accident.
• Witness statements from people who saw the accident occur.
• Medical records that show how severe your injuries are.
• An independent medical assessment.
• Proof of financial losses, like bank statements, receipts, or invoices.

If you’d like to learn more about car accident claim time limits, contact our team today. One of our advisors can answer any questions you may have about the claims process, like “How long after an accident can you file a claim?” and “How long does an accident claim take?”

Claim For An Accident In A Car With A No Win No Fee Solicitor

If you are within the car accident claim time limit and are eligible for compensation, we can help you. Specifically, one of our specialist solicitors can work with you on a type of No Win No Fee basis called a Conditional Fee Agreement (CFA).

Here is why you may want to work with your solicitor under a CFA:

• You won’t pay for your solicitor’s work before the claims process begins.
• You won’t pay for your solicitor’s work during the claims process.
• You won’t pay for your solicitor’s work if your claim is unsuccessful.
• If your claim is successful, you won’t pay for your solicitor’s work directly out of your pocket. Instead, your solicitor will take a small percentage of the compensation awarded to you. This small percentage is called the success fee and is legally capped to ensure that you receive the majority of the compensation.

To learn more about claiming for a car accident with a No Win No Fee solicitor, get in touch with our advisors today. You can reach them by:

• Calling 0800 073 8804.
• Filling in our online claim form.
• Or by messaging us through our 24/7 online live chat.

Useful Links

Below, you can find some useful links on car accident claims and the time limits involved when claiming compensation.

• Whiplash Compensation Calculator – Our guide to claiming whiplash.
• Motorcycle Accident Claims – You can read this guide to learn more about claiming for motorcycle accidents.
• Bus Accident Claims – In this guide, we explain how you could potentially claim compensation if you’re injured in a bus accident.
• Car Accident Statistics In The UK – View the latest car accident statistics for the UK.
• The Highway Code – This section of the UK Government website allows you to read through the sections of the Highway Code.
• How To Claim Through The Motor Insurers’ Bureau (MIB) – If you’ve been injured in an accident caused by an uninsured or untraced driver, you could potentially claim through the MIB. You can visit the organisation’s website to learn more about how filing a claim through the MIB works.

Other Personal Injury Claims Guides

We also have some other guides on time limits and car accident claims that you may find useful:

• What Is The Minimum Payout For Whiplash?
• Driving Lesson Accident Claims – How Much Compensation Can I Claim?
• A guide to car accident claims
• Check out our frequently asked questions (FAQ) page on car accidents
• A guide to serious injury car accident claims
• Learn what to do if you suffer from tinnitus after a car accident
• What causes neck pain after a car accident?
• Car accidents caused by faulty traffic lights
• Can you claim for a car accident without an injury?
• What to do if you have a car accident
• A guide to child car accident claims

Thank you for reading our guide about the car accident claim time limit