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Whiplash Compensation Calculator

By Meg Matthews. Last Updated 15th December 2021. Welcome to our guide on whiplash compensation claims. We aim to explain how you can precisely calculate your compensation for whiplash.

Whiplash compensationA whiplash claims calculator can be an important tool when assessing the award you may receive for your injuries. For that reason, we cover what you could be entitled to for various types of injuries.

With British roads busier than ever, the risk of harm is ever-present. However, if you suffered a neck or back injury in an accident that was caused by someone breaching the duty of care they owed you, you may be entitled to claim compensation for the pain and suffering caused.

In circumstances where you have suffered an injury because of a negligent road user, you may wish to follow the whiplash claims process in the UK to receive a settlement amount for your suffering.

As per the personal injury claims process, you’re entitled to make a claim to be financially compensated for the harm you’ve sustained, as long as another person’s negligence caused it.

However, there have been changes to the way compensation for whiplash is claimed, which we’ll explore further in our guide.

How We Can Help

With decades of experience helping victims of road traffic accidents, our solicitors are well-versed in the claims process and can help you take steps to recover the compensation you deserve.

Our personal injury claims team operates around the clock, providing free legal advice when you need it. For that reason, if you have any questions about your whiplash claim while reading this guide, our team of advisors can help.

To speak to our advisers today about claiming compensation for whiplash, simply:

  • Call an advisor on 0800 073 8804
  • Chat with an advisor using our live chat function
  • Write to us about your road traffic accident case using the contact form, and we’ll call you back at a time that suits you best.

Alternatively, continue reading to find the answer to your question ‘how much whiplash compensation will I get?’.

Choose A Section To Find Out More About Making A Whiplash Injury Claim

  1. A Guide To Whiplash Compensation Claims
  2. What Is A Whiplash Injury?
  3. Types Of Circumstances That Can Cause Whiplash
  4. What Can I Claim For After A Whiplash Injury?
  5. How Long Do You Have To Make A Whiplash Car Accident Compensation Claim?
  6. The Whiplash Reforms 2021
  7. No Win No Fee Whiplash Claims
  8. Why Choose Us As Your Whiplash Claims Service?
  9. Whiplash Compensation Claims FAQs
  10. Helpful Links On Whiplash Compensation

A Guide To Whiplash Compensation Claims

This whiplash compensation calculator guide aims to help give you the information you need to pursue a road traffic accident claim for a whiplash injury.

Whiplash can occur in many types of vehicle accidents, either in a private car, or whilst riding on public transport such as a bus or coach, or whilst in a taxi.

However, in order to put forward a valid claim, you must be able to demonstrate that someone acted negligently. For instance, you must be able to prove that your injury was sustained in an accident caused by someone else breaching the duty of care they owed you.

Within this guide, we will cover all of the information you need to know before seeking reimbursement. For instance, how an accident could result in a whiplash injury and the process you need to go through in order to pursue your claim.

Additionally, you will find information on the average payout for whiplash and associated injuries.

Don’t forget, if you have any questions, you can contact our team on the number above.

What Is A Whiplash Injury?

Before discussing whiplash compensation, it’s important that you understand what a whiplash injury is.

A whiplash injury occurs when the tendons and ligaments of the neck extend beyond the normal range of motion in a sudden and abrupt motion.

The sudden movement stretches the muscles and ligaments beyond their capacity, causing them to tear. Depending on the extent of the tear, the whiplash symptoms can be mild to severe. However, massive tears in the ligaments can result in more severe pain or even permanent disability.

This type of injury could be sustained in a sporting or cycling accident. However, according to the NHS, they most often occur in car accidents and after a slip or fall.

For instance, a rear-end collision could throw your head backwards and forwards suddenly with great force, straining or tearing the tendons and ligaments in the neck. As a result, you could sustain severe harm.

How Do I Know If I Have Whiplash?

In some cases, whiplash injury symptoms do not manifest immediately after the accident and could take up to a few days to develop. 

For that reason, it’s crucial to pay close attention to any unusual physical changes that you experience after the accident.

Furthermore, you should always seek medical attention for any symptoms of which you’re unsure as this can be used as evidence in your whiplash compensation claim.

How Long Does It Take to Get Over Whiplash?

The time it takes for a person to recover from whiplash is dependent upon many factors, such as how severe the whiplash was.

In general, it may take up to 3 months for your injury to fully heal. However, for more serious whiplash cases complicated by additional back, shoulders or spine injuries, full recovery could take much longer.

Types Of Circumstances That Can Cause Whiplash

There are a wide range of ways whiplash can be caused. Predominantly, though, whiplash is seen as a result of vehicle accidents, such as bus accidents, taxi accidents or pedestrian accidents.

Additionally, some examples of how you could have sustained this type of injury might include:

  • Car accidents – A driver may have failed to indicate when changing lanes and as a result, they may have crashed into the side of another car. Due to the impact, the driver of the other car may have sustained a soft tissue injury to their neck.
  • Motorcycle accidents – A motorcyclist may have failed to adhere to the speed limits resulting in them taking a sharp bend in the road too quickly. As a result, the driver of an oncoming vehicle may have needed to brake suddenly to avoid a collision, causing them to sustain a whiplash injury.
  • Cycling accidents – A driver may have failed to check their mirrors when overtaking on a narrow road. As a result, they may have hit a cyclist off their bike causing them severe neck strain amongst other injuries.

If you’ve experienced something similar, please don’t hesitate to get in touch with our team. They can assess your claim and help you take steps to get the whiplash compensation you deserve.

The Latest Whiplash Injury Statistics

The latest road traffic accident statistics provided by the Department for Transport, in the Reported Road Casualties Great Britain, Annual Report: 2020, found the following:

  • In 2020, there were 115,584 injuries of all severities sustained in road traffic accidents.
  • Of the above figure, 23,529 amounted to incidents where casualties were killed or seriously injured.

Below, we’ve included a graph illustrating the number of fatalities reported by road user type in 2020. The figures are provided by the Department For Transport in the Annual 2020 Report.

whiplash compensation


As you can see, there were more fatalities amongst car occupants than any other road user. However, it’s important to note that cars make up the majority of traffic on the road which may explain the higher number of fatalities within that group of road users.

To learn more about whiplash claims, contact our personal injury team or continue reading about whiplash compensation. Alternatively, use our whiplash compensation calculator to see what you may be able to receive.

What Can I Claim For After A Whiplash Injury?

A whiplash injury is complex as symptoms can range from mild to life-changing. For that reason, different factors may determine the whiplash compensation you receive. For instance, the severity of your injuries and the extent to which they have affected other aspects of your life.

All whiplash compensation injury claims may consist of the following, provided they apply to your claim:

  • General damages – this type of compensation for whiplash is paid solely for the injury itself. For example, the physical damage you have suffered and the pain you’ve had to endure.

However, to prove the extent of physical and psychological suffering, it will be necessary to obtain medical evidence.

For instance, as part of the claims process, a medical assessment may be carried out to determine the extent of your pain and suffering. They’ll also determine how long it will take for you to recover. This information will allow your solicitor to value your claim accurately.

  • Special damages – these relate to financial losses, both past and present, such as:
    • Loss of earnings – if the person suffering from whiplash has had to take time off from work, they could claim back the loss of earnings under special damages. Note that this relates to both current and future earnings if the whiplash injury is likely to be long-lasting or even permanent.
    • Travel Expenses – if you have had to pay for a taxi to and from medical appointments or to visit the law firm representing your claim, you could seek reimbursement for these.
    • Medical Expenses – These might be immediate costs such as paying for emergency treatment. However, it may also be ongoing costs, such as medication and prescription charges to treat the injury now and in the future.

Average Compensation For A Whiplash Injury

After suffering a whiplash injury, you may ask yourself questions like:

  • What is the average payout for whiplash in the UK?
  • Or what is the average compensation award for whiplash?

If so, the table we have created based on figures from the Judicial College Guidelines could help. The table includes some potential whiplash injuries you may have sustained and example values.

Updated December 2021.

InjurySeverityCompensation Notes
Back InjuryModerate£11,730 to £26,050(b) (ii) Injuries including those that affect the ligaments and muscles which may cause backache and soft tissue injuries which may result in the exacerbation of a pre-existing condition.
Back InjuryMinorUp to £2,300(c) (iii) Where full recovery of injuries such as minor sprains, strains and soft tissue injuries, is made within three months.
Neck InjurySevere£42,680 to £52,540(a) (iii) Injuries such as damage to the soft tissues and ruptured tendons that result in permanent chronic conditions.
Neck InjuryModerate£12,900 to £23,460(b) (ii) Soft tissue injuries to the neck.
Shoulder InjuryModerate£7,410 to £11,980(c) Soft tissue damage that results in symptoms that may persist after two years but aren't permanent.
Shoulder InjuryMinorUp to £2,300(d) (ii) Soft tissue damage to the shoulder that causes pain but results in an almost complete recovery within a year.
Post-traumatic stress disorder (PTSD)Less severe£3,710 to £7,680(d) Cases where mostly a full recovery has been made within a couple of years and only minor symptoms will continue.

If you have suffered multiple injuries where whiplash is just part of the problem, then you may be able to claim additional compensation for them. However, it may be best to speak with one of our advisors if you’re claiming for multiple injuries so they can provide a more concrete valuation.

For more information on what your whiplash compensation settlement may comprise, please call to speak to our team.

Could I Claim Whiplash Compensation On Someone Else’s Behalf?

A representative of the claimant could pursue a compensation claim for whiplash on their behalf if applicable.

In cases where the person is unable to instigate the process themselves, it may be possible under the Mental Capacity Act 2005 for a relative or another appointed representative to act as a litigation friend.

Get in touch with our team for more information on how to start a whiplash compensation claim, whether for yourself or on behalf of someone else.

Can You Claim For Whiplash As A Passenger?

Both the passenger and driver may have cause to claim compensation for whiplash caused by an accident that was the fault of a third party.

Furthermore, a passenger may have cause to claim damages against the driver of the vehicle they sustained harm in. For example, if the driver was at fault for causing the accident.

However, as with any claim, there are various factors to consider when looking at who was liable for an accident.

If you’d like to pursue a car crash whiplash claim as a passenger, please get in touch on the number above.

Can I Be Compensated If I Was Injured By An Uninsured Driver?

Have you been injured in an accident with an uninsured or untraceable driver? In that case, it’s possible to make a claim through the Motor Insurer’s Bureau (MIB).

The MIB helps those who were involved in accidents with uninsured or untraceable drivers by providing compensation in successful personal injury claims.

Our road traffic accident solicitors could help you put forward your claim if you’re in a similar position. So, please get in touch today to learn more about whiplash compensation claims involving the MIB.

How Long Do You Have To Make A Whiplash Car Accident Compensation Claim?

According to the Limitation Act 1980, you have up to three years from the date of the accident to claim whiplash compensation. Alternatively, the three years may start from the date you became aware that the harm you sustained was caused by someone else’s negligence.

However, for children under the age of 18, a litigation friend may apply to claim on their behalf. But once the younger victim turns 18, they’ll have three years to claim whiplash compensation themselves.

Please speak to our personal injury claims team to learn more about the time limits involved in whiplash claims. We could also discuss other elements of the claims process.

How Long Does A Whiplash Claim Take In The UK?

It’s often difficult to give an overall indication of how long the process for claiming whiplash compensation will go on. For that reason, it can be beneficial to seek legal representation to ensure the correct process is being followed.

According to the Civil Procedure Rules, 36.14 (6), unless agreed otherwise by the defendant and claimant, the claimant should be paid their compensation within 14 days. This may either be from the date of acceptance or the date the court has ordered.

However, there may be other exceptions. Please contact our team for more information.

The Whiplash Reforms 2021

The Whiplash Reform Programme introduced changes to claims made when seeking compensation for whiplash injuries from May 2021. The changes affect claims made for injuries that a driver or passenger over the age of 18 sustained in a car accident.

The changes mean that any claims where injuries are valued at less than £5,000 need to be made through the government online claims portal. However, any claims where the injuries are valued at £5,000 or more don’t have to go through the online portal. 

Despite whether you’re making a claim through the government portal, you can still seek legal representation through a No Win No Fee agreement.

Additionally, you may consider your injuries to be worth less than they actually are. However, they may be more severe than you realise meaning you could seek a higher whiplash compensation amount.

For that reason, we would encourage you to still get in touch with our team to assess your claim. They can provide an estimate of how much your claim may be worth. In turn, this can help you better understand the steps you need to take.

Whiplash Compensation Payouts

The amount of compensation you may be awarded in your whiplash claim may vary. However, the Whiplash Injuries Regulations 2021 stipulates the damages that may be awarded for all whiplash injuries that last for up to two years.

The table below provides figures as listed in the legislation. 

Time Span of InjuryAmount - Regulation 2(1)(a)Amount - Regulation 2(1)(b)
No more than 3 months£240£260
3-6 months£495£520
6-9 months£840£895
9-12 months£1,320£1,390
12-15 months£2,040£2,125
15-18 months£3,005£3,100
18-24 months£4,215£4,345


  • Regulation 2(1)(a) refers to the total damages for one or more whiplash injuries.
  • Regulation 2(1)(b) refers to the total damages for one or more whiplash injuries and one or more minor psychological injuries.

No Win No Fee Whiplash Claims

If you have recently suffered a whiplash injury in an accident caused by someone else’s failure to uphold their duty of care, we could help. Our solicitors could work on a No Win No Fee basis by offering you a Conditional Fee Agreement when representing your whiplash compensation claim.

This means that if you choose to work with one of our solicitors, you wouldn’t have to pay any money upfront to seek legal representation. Furthermore, you could avoid ongoing costs that may incur during the claims process. 

Additionally, if you lose your compensation whiplash claim, you won’t have to pay a penny to your solicitor.

If the case does succeed, your solicitor will deduct what’s known as a success fee, which is a small, legally capped percentage of your compensation award used to cover their costs.

For more information on claiming under this type of agreement, please get in touch with our team on the number at the top of the page.

Why Choose Us As Your Whiplash Claims Service?

We understand the personal injury claims process may seem complex. However, our solicitors have the experience to take on your whiplash injury compensation claim.

We treat all our clients making a whiplash compensation claim with respect and understanding.

Furthermore, we aim to make the claims process as efficient as possible to help you put forward a strong case.

And, of course, if we are working for you on a No Win No Fee basis, you can avoid upfront costs often required for a solicitor to work on your whiplash claim.

If you’d like to learn more about our services, why not check out some of our reviews? Alternatively, you can speak to a member of our team using the details below:

  • Call an advisor on 0800 073 8804
  • Chat with an advisor using our live chat function
  • Write to us about your road traffic accident case using the contact form, and we’ll call you back at a time that suits you best.

Whiplash Compensation Claims FAQs

It’s natural to have questions when faced with the prospect of pursuing a whiplash claim. These FAQs answers will help you understand more about the process of filing a claim for whiplash injuries and calculating the whiplash compensation.

How Long Does The Whiplash Claims Process Take?

Each whiplash injury compensation claim is different. Therefore, it depends on how complex your case is.

Do I Need To Hire A Solicitor To File A Claim For Whiplash Injury?

It is not mandatory to hire a solicitor to file your claim. However, it is highly recommended. This is because a solicitor will have the experience necessary to help you take steps to get the whiplash compensation you deserve.

Am I Entitled To Claim Even If The Whiplash Injuries Are Mild?

As long as the accident was the fault of another road user breaching their duty of care, you are entitled to seek financial compensation for your pain and suffering.

Additionally, you may need to provide medical evidence in the form of a whiplash injury diagnosis from a qualified doctor.

What Is The Compensation Amount I Can Expect If I File A Whiplash Claim?

There is no one amount for all claims. Every claim is different in terms of the severity and the extent to which the injury affects your life. The compensation you receive will depend on these two factors.

Can I Submit A Passenger Whiplash Claim?

Yes, a claim may be possible against the driver of the vehicle. This applies to cars, taxis, buses and coaches.

Helpful Links On Whiplash Compensation

In this final section of our compensation for whiplash claim guide, we have more links that you may find useful. We have included guides on various types of road traffic accidents including those involving cyclists.

Visit our guide on Motor Insurers Bureau claims involving road accidents with uninsured or untraceable drivers.

For more information on drink driving car accident claims, see our guide.

See our guide on how to claim for a rear shunt accident.

The Highway Code provides guidance on the responsibilities each road user has.

Visit the government website for more information on the Whiplash Reforms.

Thank you for taking the time to read our guide on seeking whiplash compensation. Hopefully, you have a better understanding of the claims process. However, please get in touch if you have any further questions.

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