If you were recently injured in a car accident with someone insured by Admiral, this guide offers information on making an Admiral accident claim. Perhaps you need to make a whiplash claim against an Admiral driver and want help with that. If so, we explain how it could be possible to put together an Admiral injury claim and seek car accident compensation from the party at fault.
We begin this article by explaining who can start a road traffic accident claim against insurers like Admiral, and what type of injuries a claim might cover. If your claim seems robust, you might also qualify to work with one of our solicitors under a type of No Win No Fee agreement. This option frees you from the financial worry of solicitor’s fees.
Other topics are discussed, such as how compensation is calculated and what to do if the other party disputes their liability. Perhaps you were partly responsible for your injuries. An Admiral injury claim might still be valid. We also explore how to determine when it is best to accept any settlement offer made.
If you get in touch, our team of specialist advisors offers a no-obligation assessment of your claim. They can also answer any questions that may arise as you read this guide. Please continue reading about claims if the other party is insured by Admiral. Or talk to the team now:
- Call us on 0800 073 8804
- Contact us online.
- Ask advisors a question about Admiral accident claims through the live chat below.
Frequently Asked Questions
- Can I Make An Admiral Accident Claim?
- What Injuries Could Admiral Cover In An Insurance Claim?
- How A No Win No Fee Solicitor Can Help With Your Personal Injury Claim
- Getting More Compensation For Your Admiral Injury Claim
- How Much Admiral Injury Claim Compensation Could A Solicitor Help Me Get?
- What Can I Do If Admiral Refuses To Admit Liability?
- Make A No Win No Fee Admiral Accident Claim With Legal Expert
- Learn More
Can I Make An Admiral Accident Claim?
Yes, if you meet the eligibility requirements and the other driver was insured by Admiral. To be sure you meet the eligibility for an Admiral accident claim (or any road traffic accident claim), there are three questions to ask right at the start:
- Were you owed a duty of care at the moment of harm?
- Was the other road user in breach of that duty?
- Did this cause or contribute to your injuries?
To answer these questions, it’s useful to understand how the duty of care applies. Anyone using the road owes a duty to others to navigate in such a manner that avoids causing injury or damage. As such, each road user must use the roads safely.
To effectively achieve this, they must follow the law laid out in the Road Traffic Act 1988 as well as rules in the Highway Code. Failure to comply could mean they are in breach of the duty of care and liable for any harm or damage they cause you.
What If I Was Responsible For The Accident?
In certain road traffic accident cases, there might be a degree of blame on both sides. This is called ‘split liability”. If a claim succeeds, compensation can therefore be awarded in a way that reflects the level of blame. So, if you were deemed to be 50% responsible for the accident, your compensation would be reduced accordingly.
Another option is ‘knock for knock’ agreements. This is when each side agrees to cover their own losses, irrespective of who was at fault for the accident. This settlement method may seem a more straightforward option. However, it can decrease the pay out amount, increase insurance premiums and negatively impact your no claims bonus.
Whoever was to blame, if you feel certain that you suffered an injury because another road user didn’t meet their duty of care responsibility, speak to our team. We’ll assess the strength of your Admiral accident claim on the spot.
What Injuries Will Admiral Cover In An Insurance Claim?
Admiral Insurance could cover a wide range of injuries caused by road traffic accidents ranging from minor to severe. The following list gives some examples:
- Cuts and bruises.
- Deeper lacerations and scarring.
- Whiplash and other neck injuries.
- Fractures to the spine and pelvis.
- Head injuries (ranging from mild concussion to life-altering permanent harm).
- Burns and traumatic amputations.
- Multiple injuries that might combine several of the above.
These sorts of injuries might occur during merging traffic, side-impact or rear-end collisions. Also, a head-on collision could easily cause multiple or severe injuries. A multi-car collision on a motorway also has the potential to leave the person with a life-altering disability.
All these injuries can also cause accompanying psychological injury, which could also form part of your claim. If one of our road traffic accident solicitors supports your case, they can arrange an independent medical assessment to fully evaluate any issues like this.
How A No Win No Fee Solicitor Can Help With Your Personal Injury Claim
A solicitor offering No Win No Fee services can help you with a personal injury claim in a way that doesn’t add to your financial burden right now. You needn’t worry about having a lesser service just because you aren’t paying for your solicitor’s work upfront.
If one of our solicitors accepts your claim, you can expect the following outstanding services:
- A clear and detailed explanation of the claims process.
- Help to gather evidence.
- All communication with Admiral taken care of.
- The prompt handling of court correspondence.
- Help to apply for any interim payments (if needed) while the details of your settlement are agreed.
- Effective handling of the Pre-Action Protocols. Following the appropriate Protocol for your case may allow it to be settled quicker and without going to court.
- An accurate calculation of what is owed to you.
- Regular status updates on the claim in language you can understand.
- Support with finding any specialist healthcare you might need following a car accident.
Speak with our advisors now to find out how one of our solicitors can help with your Admiral accident claim.
Getting More Compensation For Your Admiral Injury Claim
In addition to the practical support they offer, our solicitors have decades of expertise with cases like this. They intuitively understand how to secure the best settlement for their clients and know how to use available evidence to fully calculate compensation. Additionally, their knowledge can help avoid the common pitfalls that a claimant might encounter when representing themselves. We look at two of the most common issues:
What Is A Pre-Medical Offer?
A pre-medical offer is a compensation offer made by the other party’s insurance company (such as Admiral) before a full medical examination has taken place. They are offered as a way to settle the matter without prolonged or expensive litigation.
However, serious or more severe injuries might require longer recovery times, which in turn can generate additional expenses. As a claim can be settled only once, it’s important that the compensation amount you accept fully compensates you.
One of our solicitors would represent you in a way that safeguards against this. If they can take the claim up, they’ll alert you to any pre-medical offers made by Admiral and provide expert advice on the best time to settle.
Should I Accept The Insurance Company’s First Offer?
You are not obliged to accept the first offer Admiral Insurance might make. There is a reasonable argument to be made that dealing directly with insurance companies could result in a lesser amount being offered and accepted. It’s in their interests to pay as little as possible, so consulting with a personal injury solicitor could help protect you from this.
If they can, our solicitors will scrutinise your claim thoroughly and argue for the maximum amount you are entitled to. So why not call to see if they can cast their eye over your Admiral accident claim before accepting any offer from this insurer?
How Much Admiral Injury Claim Compensation Could A Solicitor Help Me Get?
The amount a solicitor could help you get depends on two main areas of compensation called general and special damages. General damages apply amounts for the physical harm itself, as well as psychological harm and long-term disability or loss of quality of life known as ‘loss of amenity’. Special damages are the head of loss under which financial losses are calculated.
The table below is made up of compensation guideline amounts from a publication called the Judicial College Guideline (JCG). This document lists various injuries based on severity and is used by those who value general damages as a way to help calculate approximate compensation.
Please note that although these amounts are drawn from past cases in England and Wales, they are only guidelines and are not to be read literally. Each claim varies. Also, the first line is not from the Judicial College Guidelines:
Compensation Guidelines
| INJURY | SEVERITY | GUIDELINE AMOUNTS |
|---|---|---|
| More than one severe injury and Special Damages compensation for impact on employment, medical expenses and damage to personal items. | Severe | Up to £1 million plus. |
| Head/Brain | (a) Very Severe | £344,150 increasing to £493,000 |
| (d) Less Severe | £18,700 increasing to £52,550 | |
| Neck | (a) Severe (i) | In area of £181,020 |
| (b) Moderate (i) | £30,500 increasing to £46,970 | |
| Chest Injury | (b) Traumatic | £80,240 increasing to £122,850 |
| Leg | (b) Very Serious (ii) | £66,920 increasing to £109,290 |
| Knee | (a) Severe (ii) | £63,610 increasing to £85,100 |
| Back | (a) Severe (iii) | £47,320 increasing to £85,100 |
| Pelvis/Hips | (a) Severe (iii) | £47,810 increasing to £64,070 |
To claim special damages, you would be required to show proof of the financial harm. You might have the following important information:
- Proof of private medical costs.
- The cost of any care others gave you.
- The costs of car repairs and replacing any damaged personal property.
- Proof of the predicted cost of future physiotherapy or rehabilitation.
- Invoices or receipts for any essential adaptations needed to your car or home after the accident and injury.
- Travel expenses to vital appointments.
- Proof of additional childcare needs related to the injury.
- Wage slips that show how your income suffered because of time away from work.
Evidence such as this helps construct a more thorough claim against a driver insured by Admiral.
Is There An Average Admiral Whiplash Pay Out Amount?
To arrive at an average amount for a whiplash claim made through Admiral, you’d need to know the number of whiplash claimants and the overall settlement figure. From there, you would divide the overall settlement figure for a whiplash injury by the number of claimants. However, knowing this amount would not be of any use to you. Furthermore, some claims may include whiplash along with additional injuries, so it wouldn’t give you the true average for this type of injury.
The ultimate amount is determined by several factors, including the severity of the injuries, the type of rehabilitation required, and the financial losses that are to be included.
However, if the claim includes a whiplash injury, there are set amounts awarded under the tariff provided by the Whiplash Injury Regulations 2021. These tariffs apply to whiplash injuries only. Other injuries would be valued in the traditional manner, such as by using the Judicial College Guidelines (as discussed above).
The table illustrates:
The Whiplash Injury Regulations Tariff 2021
| DURATION | AMOUNT (WITHOUT PSYCHOLOGICAL HARM) REGULATION 2(1)A | AMOUNT (WITH PSYCHOLOGICAL HARM) REGULATION 2 (B) |
|---|---|---|
| 18 - 24 months | £4,215 | £4,345 |
| 15 - 18 months | £3,005 | £3,100 |
| 12 - 15 months | £2,040 | £2,125 |
| 9 months - 12 months | £1,320 | £1,390 |
What Can I Do If Admiral Refuses To Admit Liability?
If Admiral Insurance refuses to accept liability for their client, your first action is to collect supporting evidence that clearly shows the other driver was at fault, such as:
- Witness contact details and statements from those who saw the accident.
- Photos of your injuries, the accident scene and damage to your car.
- The insurance details, vehicle registration number, and make and model of their car.
- A copy of the police report.
- CCTV or dashcam footage that filmed the incident.
- Duplicates of medical records detailing the injuries.
If the claim needs to go to court (most do not), evidence like this can be compelling proof that the other driver was at fault. One of our solicitors can support you in gathering evidence, so call to see how they might be able to help you with your Admiral accident claim.
Make A No Win No Fee Admiral Accident Claim With Legal Expert
Our solicitors provide their No Win No Fee services through a Conditional Fee Agreement (CFA), which, in addition to the benefits we looked at above, affords the claimant the following advantages:
- No solicitors fees are required to get started.
- No solicitors fees apply for managing the claim going forward.
- Nothing is owed to the solicitors for their completed work if the claim is unsuccessful.
- Claims that win require a ‘success fee’ to be paid. This is a capped percentage of the compensation that is paid to the solicitors for their work. The law limits the percentage.
- In addition to having a ceiling, the success fee can also be agreed between the solicitor and the client before the Admiral accident claim starts.
- Agreeing to work under a contract like this allows you to access excellent legal representation without worries about solicitor’s costs.
It takes just a moment to see if one of our solicitors could provide you with options for managing the whole claim. Start by speaking to our advisory team about your Admiral accident claim now.
Contact Our Solicitors
- Call us on 0800 073 8804
- Contact us through our online form.
- Ask the chat box below a question
Learn More
In addition to this guide about an Admiral accident claim for personal injury, these other resources might be useful:
- This guide answers some frequently asked questions about road traffic accident claims.
- Advice on claiming for a rear end shunt accident.
- Furthermore, here is information and guidance on car accident law.
Some external resources to help:
- This resource about whiplash by the NHS looks at injuries in more detail.
- Here, you can read about how to request CCTV footage of yourself from public places.
- Lastly, Government guidance after an accident or injury.
Please speak to our advisory team if you’d like any further guidance or information about the best way to seek compensation from an insurer like Admiral. They’re available around the clock to discuss how to make an Admiral accident claim.
