How Long To Report A Car Accident In The UK Guide – Reporting A Car Accident Time Limit UK
In this online guide, we explain the importance of reporting a car accident within the time limit in the UK. We will cover all of the different time limits that could apply, and whom you will need to report your accident to.
We have tried to cover every time limit and provide enough information to answer any questions you have about them. However, there may have been something unique about your accident that this guide doesn’t cover. If this is so, please speak to a member of our claims team on 0800 073 8804 to have your questions answered. One of our claim advisors can also explain to you how we can arrange for a personal injury lawyer to process your personal injury claim for you.
Select A Section:
- A Guide To Time Limits For Reporting A Car Accident
- What Is A Road Traffic Incident Report?
- Do You Have To Report A Minor Car Accident To The Police In The UK?
- Who Should You Report A Car Accident To?
- Time Limits To Report A Car Accident
- Time Limits To Report A Car Accident To The Police
- Time Limits To Report A Car Accident To Your Insurance Company
- Time Limits To Report A Hit And Run Car Accident
- Time Limits To Notify The Motor Insurers Bureau And Other Parties
- How Do You Report A Car Accident?
- What Happens If You Do Not Report A Car Accident?
- Costs And Losses You May Be Compensated For
- Calculating Car Accident Compensation Claims
- No Win No Fee Car Accident Compensation Claims
- Talk To Us About Your Car Accident Claim
- Supporting Resources
A Guide To Time Limits For Reporting A Car Accident
This online guide will attempt to answer the question, is there a time limit on reporting a car accident? As well as others. However, don’t confuse these time limits with the personal injury claims time limit that you must begin processing your claim within. We begin this guide with a brief introduction to what a road traffic accident incident report is. You will also find some information about whether you need to report minor accidents to the police, and whom you have to report traffic accidents to in general.
The next part of this guide gives information about some of the specific time limits, and also organisations you may need to report your accident to. We cover reporting an accident to:
- The police.
- Your vehicle insurer.
- Motor Insurers Bureau (MIB).
As well as explain the reporting process if you were to become the victim of a hit and run accident. This part of the guide also covers how to make an accident report, and also the consequences of not reporting an accident on time, or failing to report it at all.
The last part of this guide goes over some financial considerations if you intend to make a compensation claim for the accident you have reported. We have used the judicial guidelines that courts in England use to value claims, to create a table that shows possible ranges of compensation for a number of different kinds of injuries. We have also listed some of the kinds of damages that your overall compensation settlement could include. Lastly, you will find an overview of what a No Win No Fee claim is. We show how this kind of fee agreement can help to minimise the financial risks you face when making a claim.
You might have unanswered questions once you reach the end of this guide. We can answer them for you if you do, all you need to do is call our claims team on the phone number near the end of this guide. An advisor will also be able to tell you which car accident time limit will apply in your own case, and arrange for an accident and injury lawyer to process your claim for you.
What Is A Road Traffic Incident Report?
If you have been involved in a Road Traffic Accident (RTA), or you have witnessed one, you can report a car accident to police online, using a simple web-based tool that will cover the location where the accident took place. For example, the web page for the London metropolitan area is provided by the Metropolitan Police.
According to the .Gov site, ”You must report the accident to the police within 24 hours if you do not give your details at the time of the accident.”. If you cannot use the online tool, or cannot find one that covers the locality where the accident took place, you can report the accident by phone, or by visiting a police station.
Do You Have To Report A Minor Car Accident To The Police In The UK?
Section 170 of the Road Traffic Act 1988 says that the driver of a vehicle must always stop at the scene of an accident, no matter how minor they believe the incident to have been.
This law relates not only to accidents involving a vehicle on vehicle collision, but also road accidents that harm a pedestrian or an animal as well.
When stopping, the driver should find a safe place to stop, pull over to the side of the road, turn the engine off and the hazard lights on. If the accident occurs on a motorway, the driver should pull over to the hard shoulder and ensure that any animals in the vehicle are locked inside unless in an absolute emergency they must be allowed out of the vehicle.
You may then exchange details with any other party involved in the accident. You must provide every party that asks you with your name and address, as well as the details of the owner of the vehicle (if this isn’t you). You do not legally have to give details of your vehicle insurance unless somebody has actually been harmed in the accident.
If you do not stop for any reason, or if you did not exchange information with any other party involved in the accident, then you must report the accident to the police within 24 hours of it taking place.
Who Should You Report A Car Accident To?
Whom you should report a road traffic accident to will depend on the circumstances of the accident. You could need to report the accident to:
- The police – if you did not stop at the scene of the accident or failed to swap driver details.
- Your vehicle insurer – so that they know you have been involved in an accident and may need to get involved in the claims process.
- Motor Insurers Bureau (MIB) – if you were involved in a hit and run accident, or an accident caused by an uninsured driver.
- Your hire company – if you are driving a hire vehicle.
- Your employer – if you are driving a company vehicle.
- Your lawyer – if you intend to make a compensation claim for the harm you suffered in the accident.
Time Limits To Report A Car Accident
To answer the question, is there a time limit for reporting a car accident? There are actually three important time limits you will need to consider. There is the time limit for reporting an accident to the police that we explained in a previous section. There is also a time limit for telling your vehicle insurer about an accident. Lastly, there is a personal injury claims time limit that you will need to begin any claim within. The table below explains these time limits:
|Type Of Time Limit||Relevant Time Limit|
|Time limit for reporting a car accident to the police if details were not exchanged.||The accident should be reported online, in person at a police station, within 24 hours of the accident taking place.|
|Time limit to report to an insurance company||Most insurers state that the accident should be reported to them within 24 hours. Check the terms and conditions of your insurance policy to be sure.|
|Time limit to start a claim||In general, 3 years from the date of the accident. Can change, speak to a solicitor to be sure.|
Time Limits To Report A Car Accident To The Police
We have already stated that when reporting a car accident to the police the time limit is 24 hours. Most people should be able to accomplish this online. However, you are also free to go into a police station and talk to the police face to face, you may not be able to report an accident on the telephone.
Something to consider in relation to the time limit for reporting a car accident to the police is that in some remote areas if you cannot use the online reporting web page, you may not be able to contact a person to report the accident to in time. You may not have transport to visit the police station, and you may have difficulties getting through to the police on the phone. In general, the police are very understanding, and as long as you have made your best effort to report the accident within the 24-hour time limit, you will generally be allowed a little leeway if extenuating circumstances exist.
Time Limits To Report A Car Accident To Your Insurance Company
There is no legal time limit for reporting an accident to your insurance company. In general, insurers state that the reporting a car accident time limit in the UK is 24 hours from the time the accident took place. But not all insurers work to this time limit.
Time Limits To Report A Hit And Run Car Accident
In order to be able to go on and make a claim for any harm suffered after a road traffic accident when the fault party has left the scene without giving any details and is untraceable will require the accident to be reported to the police within 24 hours of it taking place.
Time Limits To Notify The Motor Insurers Bureau And Other Parties
If you have been harmed in a hit and run accident, or by a driver who is driving illegally (no license, insurance, etc.) then you can instigate a claim through the Motor Insurers Bureau. This is a special organisation that maintains a fund of money to be used to compensate victims of road traffic accidents when the fault third party does not stop at the scene or does not have adequate insurance cover to compensate you.
If you are injured by a hit and run driver, the MIB operates a time limit of three years to start a claim, in general. However, this time limit can differ in certain circumstances. If you call our claims team and talk to one of our claim advisors, they will go over your claim with you and let you know which time limit will apply.
How Do You Report A Car Accident?
In a previous section, we explained what to do if you have been involved in a minor car accident in the UK. We explained that if you have stopped at the scene of an accident and exchanged details with any other party involved, you do not have to report the accident to the police. However, if you did not stop, or you didn’t exchange details, you must report the accident to the police within 24 hours, using an online reporting tool or by visiting a police station.
In relation to reporting an accident to your insurance company, you can do this by telephone. The insurer may ask you to follow the call up with a letter in some circumstances.
What Happens If You Do Not Report A Car Accident?
There are two main consequences if you fail to report a road traffic accident to the relevant parties, and these are:
- If you fail to report a road traffic accident to the police when you have not exchanged details at the scene, you could be prosecuted as this is a punishable offence.
- If you fail to report a road traffic accident to your vehicle insurer, you may not be able to make a subsequent claim.
Costs And Losses You May Be Compensated For
When personal injury claims for a road traffic accident are successful, the claimant could receive a number of different kinds of damages, such as:
- General damages:
- Loss of life quality.
- Permanent impairment.
- Psychological injuries.
- Stress and trauma.
- Pain and suffering.
- Special damages:
- Loss of earning potential.
- Lost current income.
- Medical fees.
- Travel costs.
- The cost of nursing care.
Calculating Car Accident Compensation Claims
The table below lists injuries and the potential compensation a claimant suffering from them could receive. The judicial guidelines used in England were used as the basis of this table.
|Injured hand||Moderate||£5,260 to £12,460||All flesh injuries such as grazes, lacerations, cuts, penetrating wounds etc. The top of the bracket would be appropriate where surgery has failed and permanent disability remains.|
|Injuries to the Elbow||Moderate||Up to £11,820||As an example, a condition such as tennis elbow would fit into this category. All injuries such as lacerations, penetrating wounds, those injuries which cause no permanent damage and do not result in any permanent impairment of function.|
|Injured back||Moderate||£26,050 to £36,390||Covering a range of back injuries that could include compression/crush fracture of the lumbar vertebrae where there is a substantial risk of osteoarthritis and constant pain and discomfort.|
|Injured neck||Moderate||£23,460 to £36,120||Covering a range of back injuries that could include fractures or dislocations which cause severe immediate symptoms and which may necessitate spinal fusion.|
|Injured foot||Moderate||£12,900 to £23,460||As an example of an injury in this category, displaced metatarsal fracture that will, when healed, leave the foot with some kind of deformity. This would mean the victim cannot wear standard shoes, and their gait could be impaired in some way.|
|Injured leg||Moderate||£26,050 to £36,790||In general, this category would include injuries to a single leg. The upper end of the scale would be compound fractures and serious soft-tissue injuries. While the person is recovering there could be some negative impact on their life quality.|
|Injured head/brain||Moderate||£140,870 to £205,580||There would be some lessening of intellectual capacity, impaired memory function. There could also be a change in the victim’s personality, an effect on sight, speech and senses with a significant risk of epilepsy. These symptoms would add up to mean no prospect of employment.|
You may also be able to find some kind of online personal injury claims calculator to get an estimate of your claim. If you would like a solicitor to value your claim accurately, you can arrange this with our claims team.
No Win No Fee Car Accident Compensation Claims
Under a No Win No Fee agreement, you will pay your solicitor’s pre-agreed fee when they have received a compensation payment for you, and not before. You won’t pay a fee to have the solicitor take your claim on, or while they are processing it for you. If the claim fails, you still won’t pay your solicitor their fees.
Talk To Us About Your Car Accident Claim
Have you been harmed in a road traffic accident that wasn’t your fault? You may be able to claim for any harm you suffered. Please contact our claims team today on 0800 073 8804. One of our claim advisors will talk you through our new claims process, answer any questions you have, and then arrange for a solicitor to begin processing your claim for you.
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Written By Mac
Edited By Melissa.