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Whiplash Compensation Calculator – 2021 Update

By James Vincent. Last Updated January 2021. If you suffer a whiplash injury in an accident that was no fault of yours, you may be entitled to claim whiplash compensation for the pain and suffering caused by the inflicted injuries.

In circumstances where you have suffered a whiplash injury because of a negligent road user, you will not be able to claim whiplash from your own insurance. In many cases, it is advised to follow the whiplash claims process in the UK to receive a settlement amount for your suffering.

Whiplash injuries can range from mild to severe. According to the law, you should be financially compensated for any type of whiplash injury, whether mild or severe, as long as it was caused by another person’s negligence.

The severity of your injuries and the extent to which they have affected other aspects of your life will determine the amount of whiplash compensation you are entitled to.

What Is Whiplash?

What Is Whiplash?

What Is Whiplash?

Understanding exactly what a whiplash injury is, how it occurs and how it can affect you are instrumental in understanding how whiplash compensation is calculated.

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. Massive tears in the ligaments can result in severe pain or even permanent disability.

Although whiplash injuries can result from several causes including sports injuries, accidental falls, cycling accidents and physical abuse to mention a few, the most common cause, according to the NHS, is car accidents.

How Do I Know If I Have Whiplash?

A rear-end collision can result in a tremendous impact that can throw your head backwards and forwards suddenly with great force, straining or tearing the tendons and ligaments in the neck which can cause severe whiplash injuries.

In some cases, whiplash injury symptoms do not manifest immediately after the accident. They usually take about 6 to 12 hours to develop. Sometimes they may develop after 24 hours or even after a few days.

If you have been in a car accident, you may not notice any inflammation or bruises at the time of the accident, which is why it is crucial to pay close attention to any unusual physical changes that you experience for the next few days after the accident.

Some of the more common whiplash symptoms to watch out for include:

  • Neck pain and stiffness
  • Dizziness
  • Headaches, particularly at the base of the skull
  • Blurred vision
  • Numbness or weakness in the arms
  • Persistent weariness

Other less common symptoms associated with long-term chronic whiplash include ringing in the ears, chronic pain in the neck, head or shoulders, problems with memory and concentration, inability to sleep well. Some people may experience chronic pain or headaches for years after their accident.

Below, you can find lots of helpful information on whiplash compensation. And if you need any more information, get in touch with our team of friendly advisers.

Select a section:

A Guide to Whiplash Compensation Claims

Many people find themselves asking the same questions after a road traffic accident, such as “How much does an insurance company pay for pain and suffering after a car accident?” or “How long does it take for whiplash payouts to process after a medical?”

In this guide, we will look to answer above and beyond those questions mentioned.

Whiplash is a very common injury. Especially in the case 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. Because of this, compensation claims from people seeking damages for a whiplash injury are also very common.

However, just because this type of claim is common, does not make it simple. So within this guide to making a whiplash compensation claim, we will cover all of the information you need to know before seeking damages.

You will find below sections that explain what to do if you are involved in an accident that caused whiplash, what the first steps are that you should take, and how we can help you. You will also find information on the average compensation claims paid for whiplash and associated injuries.

What Does It Mean To Get Whiplash?

Whiplash is caused by the head accelerating forwards in a violent, unexpected manner. The natural reaction of the human body, in this case, is to try and stop this happening.

What happens is that we overcompensate, and the head springs backwards. Both the rapid forward movement and the over compensation for the head springing back into place can cause serious injuries to the neck, spine and back.

Whiplash can be construed as any neck, spine back or even shoulder injury that was caused by this kind of rapid movement of the head. Most commonly, whiplash happens when a person is travelling in a vehicle that was involved in an accident.

Whiplash can be minor—just a slight sprain—and it can more severe, all the way up to a major injury. In the most extreme of all cases, causing paralysis due to significant damage to the spine.

No Win No Fee Whiplash Compensation Claims

If you have recently been involved in an accident that was not your fault and you suffered a whiplash injury, then you probably already know that you may be able to sue the liable party for damages.

What you might not know is that if you chose to work with a Legal Expert solicitor, you wouldn’t have to pay any money out of your own pocket to pursue a claim.

When we take on a case that we feel we have a good chance of winning, we are able to work under a Conditional Fee Agreement (CFA). This kind of arrangement is also known as a No Win No Fee agreement.

What does this mean?

  • If you lose your claim, you won’t have to pay a penny to your solicitor.
  • You also won’t have to pay any fees upfront or during the claim.
  • 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.

So you will always receive the vast majority of your compensation. For more information on No Win No Fee agreements, please get in touch with our team.

What Types of Circumstances Can Cause Whiplash?

With various personal injury compensation levels in general, there is a very wide range of ways that whiplash can be caused, as we would expect from such a common injury.

Predominantly whiplash is seen as a result of vehicle accidents, and some examples of these would include:

  • Car accidents – when whiplash is caused when a private vehicle is involved in an accident. If the accident was not the fault of the person driving the car, a whiplash claim could be possible.
  • Motorcycle accidents – less common than car accidents as a cause of whiplash, but if the accident was caused by a third party, it may be possible to claim damages.
  • Cycle accidents – again, a less common way that people get whiplash, but still a valid reason to claim damages if the accident was not the cyclist’s
  • Bus accidents – in this case, it is very likely that the passenger suffering whiplash will be able to claim compensation from the firm operating the bus service.
  • Taxi accidents – once again, just like a bus accident, the victim of whiplash can likely claim compensation from the taxi driver or operator.
  • Pedestrian accidents – a very common form of whiplash claims, as whiplash is an injury that many pedestrians who are hit by a moving vehicle suffer from, and a claim is likely possible.
  • Other vehicle accidents – whenever you are involved in an accident whilst riding in a vehicle if you suffer whiplash through no fault of your own, you can likely sue for damages.
  • Other road traffic accidents – a catch-all category, covering any type of road accident not covered above.

Of course, there are many more ways that a person can be involved in an accident that results in whiplash. And not all of them are related to road traffic accidents. But car accidents are by far the most common cause of whiplash.

What Can I Claim for After a Whiplash Injury?

Whiplash is a complex injury, despite the fact it is a common one. This means its symptoms can range from extremely mild, to life-changing. The result of this is that the range of damages and the amount of compensation paid for whiplash injuries is fairly wide.

All claims for compensation due to a whiplash injury will consist of at least one and possibly all of the following forms of compensation, provided they’re applicable to your claim:

  • General damages – this type of compensation is paid solely for the injury itself. The physical damage the victim has suffered, and the pain they have had to endure, and may still be enduring. There is a U.K. legal framework in place that dictates certain minimum and maximum payouts based on the severity of the injury, more on this further down the page.
  • Special damages – this category of compensation relates to financial losses, both past and present. Examples of this could be the victim of whiplash having to stop operating their own business, causing the firm to fold. Or the loss of ability to maintain a position as a top amateur athlete with professional potential in a specific sport. More specific types of special damages include:
    • Loss of earnings – if the person suffering from whiplash has had to take tom off from work, or even give up work altogether, then the compensation claimed for this will be under the loss of earnings category of damages. Note that this relates to current earnings, and future projected earnings if the whiplash injury is likely to be long-lasting or even permanent.
    • Travel Expenses – every out of pocket cost that the victim has encountered due to travel based on the injury and the compensation claim. From having to pay for a minicab home from the hospital after the accident to travelling to visit the law firm representing your claim.
    • Medical Expenses – if a medical expense has been encountered as a direct cost of the whiplash injury, then it can be claimed back as compensation. This might be immediate costs such as paying for emergency treatment. It may also be ongoing costs, such as the cost of medication and prescription charges to treat the injury now and in the future.

If we feel that you are entitled to another form of damages as part of your compensation claim for whiplash that is not on this list, we will advise you of this during our first initial free consultation session.

One more thing to note is that it is possible for a representative of the accident victim to pursue a compensation claim for whiplash on their behalf if they’re unable to do so.

In cases where the injury has left the sufferer unable to instigate the process themselves, it’s possible under the Mental Capacity Act 2005 for a relative or another appointed representative to act as a litigation friend.

For more information, get in touch with our friendly team.

Average Claim Amount For Whiplash

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 for whiplash?

For cases of mild whiplash—such as injuries which resolve completely within 3 months—the average claim amount is between £1,000 and up to £2,300.

For more serious cases of whiplash, which take between 3 months and a year to heal, you could receive anything between £2,300 and around £4,000.

Should the recovery take longer than a year, but fully resolves after 2 years, the average claim amount is between £4,080 and £7,410.

Whiplash Claims

Whiplash Claims

For more serious and debilitating forms of whiplash, with other spinal injuries too, the average claim amount could be as high £122,860, though this would depend on the severity of the injury and its impact on your life.

Average Claim Amount For Whiplash And Other Injuries

In many cases of whiplash, there are additional related injuries that would also form part of the compensation claim, and some of the amounts of compensation you may expect to receive for these injuries are listed below:

Part of BodySeverityAmountNotes
Shoulder InjuryMinorFrom around £2,300 to £7,410Short-term restriction of movement of one arm or both arms and ongoing pain as result of the injury.
Shoulder InjuryModerate£7,410 to £11,980Limited movement of one arm or both arms as result of an injury which is expected to last for some time.
Shoulder InjurySevere£18,020 to £45,070Impaired movement or numbness of one arm or both arms as result of an injury which is expected to last into the long-term.
Back InjuryMinorFrom around £2,300 to £11,730Temporary damage to the back, including sprains and bruising.
Back InjuryModerate£11,730 to £36,390Damage to back, with long-term ongoing pain and loss of function as result of the injury.
Back InjurySevere£36,390 to £151,070Loss of function, possibly including partial paralysis, expected to last into the long-term.

If you have suffered multiple injuries, where whiplash is just part of the problem, then you may be able to claim far more compensation than these values listed above. You will need to speak to us and explain your injury in full so that we can discern just what you might be able to claim in the way as compensation.

When it comes to compensation amounts for loss of earning and special damages, then the situation will be unique to each and every case. We will evaluate your individual situation, and advise you on the damages you can expect to receive based on your own case.

Compensation for car accident whiplash and payouts for mental anguish and stress are also had to predict. Everybody reacts to traumatic events in a different way.

In some cases, if the psychological trauma caused by the accident is long-lasting and life-changing, the damages claimed could be considerable.

What Are the Symptoms of Whiplash?

The symptoms of whiplash will generally have taken hold within 24 hours of the accident. A typical case of whiplash will have most of these following symptoms:

  • Pain in the neck, and a level of stiffness that can be construed as more severe than simple muscle fatigue.
  • Increased level of pain when the neck is moved, causing the sufferer to attempt to keep their neck and head immobile as much as possible.
  • Inability to move the neck across its full movement range due to pain and stiffness.
  • Headaches, with a root at the bottom of the skull or top of the spine.
  • Slight pain and tension in the shoulders and upper back region.

These are the very basic symptoms of whiplash. If you are suffering from symptoms that are worse than these you probably have a much more serious injury than whiplash and if you haven’t already done so, seek medical advice.

Can You Claim for Whiplash As A Passenger?

The simple answer here is yes. Both the passenger and driver of a vehicle may have cause to make a claim for compensation for whiplash caused by an accident that was the fault of a third party.

Furthermore, the passenger of a vehicle may have cause to claim damages against the driver of the vehicle in certain circumstances. For example, if the driver was at fault for causing the accident, it’s possible to claim whiplash compensation against their insurance provider.

How Long Does It Take to Get Over Whiplash?

You may ask yourself what the fastwat way to recover from whiplash is. Well, depending on the severity of the injury, the answer varies.

The time it takes for a person to recover from whiplash is dependent upon many factors. Primarily of course, how severe the whiplash actually was. For mild cases of whiplash, full recovery usually occurs within a few weeks or months.

For more serious cases of whiplash, that are complicated by additional injuries to the back, shoulders or spine, then full recovery could take much longer, perhaps up to a year or two. Indeed, some people never recover fully from a serious whiplash related health problem. And in these cases, we would aim to seek damages to cover the obvious loss of earnings that this injury would cause.

How Long Do You Have to Make a Car Insurance Claim After an Accident?

The law states that you have up to three years from the date of the accident to claim whiplash compensation.

For children under the age of 18, they have up to the age of 21 to claim compensation, unless a litigation friend makes the claim on their behalf.

The takeaway here is that if you need to claim for damages following an accident that results in a whiplash injury, you need to do it very quickly after the accident has happened. If you leave it too long to make your compensation claim, you may have missed your window.

How Long Does A Whiplash Claim Take In The UK?

The longest part of the whiplash compensation claim process can be actually reaching a settlement agreement with the party liable for paying damages. This is obviously a period of legal wrangling, consisting of offers and counter-offers. This is why it could be worthwhile obtaining proper legal representation to pursue a claim for whiplash compensation in the first place.

The good news is, that once this period of legal negotiation has been completed, the time it takes to actually receive a compensation payout is quite short. In most cases, you can expect to be paid in full from 14 to 28 days after a settlement has been agreed.

So whilst it is difficult to give an overall indication of the time that the full end to end process for claiming whiplash compensation, you can rest assured that once we have taken care of the legal side of things that we will expedite the actual payment as quickly as possible.

Why Choose Us As Your Whiplash Claim Service?

Although whiplash compensation claims are one of the most common types of damages cases we see, we treat each new case on its merits. We know that regardless of the reason why you are claiming damages, it is a stressful event.

Therefore, every person who comes to us to help them make a compensation claim for whiplash is treated with respect and understanding. We have heaps of experience in handling whiplash related damages claims, and we pass the expertise directly on to our clients.

Put simply, we make the process of claiming compensation as streamlined and efficient as possible. We always aim to get you the most compensation we can, but we will never do anything to risk the success of your claim. And of course, if we are working for you under a No Win No Fee agreement, you have nothing to pay us unless we are successful in getting you awarded damages for your whiplash.

If you’d like to find out more about our services, why not check out some of our reviews? Here’s what one of our clients had to say:

Highly responsive, clear process & associated time frames. I felt confident in their legal experience throughout. Service like this is a comfort to those who need it at what could possibly be a difficult time.

Are You Ready to Make a Compensation Claim For Whiplash?

Have you recently been involved in an accident that resulted in you suffering from whiplash? Even if it was only a mild case, you could still have an entirely valid reason to make a compensation claim if the accident was not your fault.

If you are ready to make your claim, then contact us today. We will offer you an entirely free consultation, during which we will capture all of the key facts of the accidents and the details of your injury. We will then offer you the best advice we can, on how to move forward with your compensation claim.

In almost every case, this is going to mean that we offer to take on your compensation claim for whiplash in a No Win No Fee arrangement. You don’t pay us anything as we pursue your case. And you won’t pay us anything unless we actually successfully secure damages for you.

To get started with making a claim for whiplash compensation, please get in touch with our team.

What You Can Claim For In Case Of Injury

Whiplash injuries vary widely in the way they are caused and the symptoms that are manifested as well as the severity of the injuries and their effect on quality of life. Because of the uniqueness of each individual factor, there is no blanket compensation for all whiplash injuries.

Each case is assessed individually and the compensation is awarded based on the cumulative effect of the individual factors. In addition, you are also entitled to claim for the cost of the treatment and loss of income from missing work due to your injury.

How Whiplash Compensation Is Calculated

As we’ve seen above, whiplash compensation claims are usually comprised of two components – general damages and special damages.

Whiplash Compensation Payouts

Here’s a look at the minimum and maximum general damage amounts you may be able to claim whiplash compensation for, according to the Judicial College Guidelines, a document used by those in the legal system to value personal injury claims:

WhiplashVery minorMinor whiplash symptoms that resolve completely within 3 months.Up to £2,300
MinorMinor whiplash symptoms that take a little longer to heal, usually between 3 months and a year.£2,300 to £4,080
Less SevereSlightly more serious whiplash injuries that resolve within 1 and 2 years. £4,080 to £7,410
ModerateThis bracket covers whiplash injuries that could take anywhere from 5 years to heal to causing chronic conditions. £7,410 to £36,120
SevereThe most severe of whiplash injuries, resulting in permanent, life-changing problems. £42,680 to in the region of £139,210
Whiplash Compensation

Whiplash Compensation

When it comes to calculating compensation in cases of whiplash injuries it is absolutely important to make sure you claim what you deserve and do not settle for anything less.

Very often, the insurance company will rush to make a quick offer. It may seem tempting to take what they offer, but this could be a mistake. Very rarely, if ever, will an insurance company offer you a fair amount. More often than not, the amount they are offering is nowhere near the amount you are entitled to.

Moreover, once you accept their offer, you waive your right to claim for anything more at a later date so even if your injuries take a turn for the worse, you will not be able to claim more compensation.

Hiring a personal injury solicitor who specialises in whiplash compensation claims will give you a far better chance of getting fair compensation for your injuries.

Experienced whiplash injury solicitors are more familiar with the various expenses that can be included in your claim and they will negotiate with the insurance company on your behalf and make sure that you get the maximum whiplash compensation possible. Besides that, they will almost certainly fight your case on a Conditional Fee basis, which means you only need to pay them if they win the case for you.

Whiplash Compensation Claims FAQs

These FAQs will help you better understand the many aspects of filing a claim for whiplash injury and calculating the compensation that is due to you.

How long does the claims process take?

Each whiplash injury compensation claim is different and also, every insurance company responds differently. How long the entire process takes will depend on how complicated your case is and how the insurance company responds.

Experienced UK solicitors who have filed similar claims before will be able to give you a better idea of how long your claim is likely to take.

Do I need to hire a solicitor to file a claim for whiplash injury?

It is not mandatory to hire a solicitor file your claim. However, it is highly recommended. A solicitor would have the expertise and experience necessary to put together a strong case that will give you a better chance of getting the compensation you deserve.

Am I entitled to claim even if the whiplash injuries are mild?

Yes, the law is very clear in this matter. As long as the accident was not your fault and you can provide a diagnosis of whiplash injury from a qualified doctor, you are entitled to be financially compensated for your pain and suffering.

The amount you will receive by way of whiplash compensation will depend on the severity of your injuries.

What is the compensation amount I can expect if I file a whiplash claim?

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

Can I claim for all types of whiplash injuries even if they are not listed?

You should be able to but there could sometimes be other factors that annul your rights. If you are unsure about your right to claim or any other legality involved, you must speak to a solicitor who can advise you as to your rights.

Am I under any obligation to hire the solicitor that I get advice from?

You are under no obligation whatsoever. Most solicitors offer a free first consultation that you can take advantage of. You can make appointments with more than one solicitor and get different opinions. You can then choose the solicitor who you feel most comfortable with.

Do I have to pay the solicitor’s fees at the outset?

Most solicitors will first assess the merits of your claim. If you have a strong case they will almost always agree to represent you on a No Win No Fee basis, which means you only pay after they have won the case and you have received the compensation. There are no upfront fees involved for taking your whiplash compensation claim on.


Helpful Links On Whiplash Compensation

How Much Compensation Can I Can For Car Accident?

Find out the compensation amounts for car accident injuries.

How To Claim As A Passenger In A Car Accident? 

If you were a passenger in a car accident contact us today we will let you know if you can claim for passenger Accident Compensation.

NHS Whiplash Guide

A whiplash injury is a type of neck injury that is usually caused be by road traffic accidents such as car accidents.


Edited by Billing

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