How Long Does a Car Accident Claim Take to Settle?

Car Accident Claim Process: Breakdown and Timeframes

Navigating a personal injury claim can be a complex and often daunting process. Various factors come into play, influencing the time it takes to resolve a claim. To provide clarity, let’s break down the key elements involved and their respective timeframes.

Key Takeaways

  1. Varied Timeframes: The duration of a personal injury claim can vary significantly depending on several factors, including the complexity of the case, the severity of the injuries, and the responsiveness of involved parties.
  2. Evidence Gathering: Obtaining comprehensive and accurate evidence is crucial. This phase might involve medical records, witness statements, and expert testimonies, which can take several weeks to months.
  3. Medical Treatment: It’s often essential to wait until the claimant has reached maximum medical improvement to accurately assess the long-term impact of the injuries. This can delay the claim resolution process.
  4. Negotiation and Settlement: The negotiation process with insurers or opposing parties can be prolonged and involves back-and-forth communications to reach a fair settlement, which may add weeks or even months.
  5. Court Proceedings: If a settlement is not reached, the case may proceed to court. Litigation can significantly extend the timeline, often taking one to two years or more to reach a resolution.

Approaching each step with diligence and patience is vital in navigating the complexities of a personal injury claim effectively.

Claim Timeframes

Here’s an overview of the typical stages and timeframes you might encounter during your personal injury claim:

  1. Legal Time Limits – Statute of Limitations (2 years less one day)
  2. Gathering Details of the Accident (Timeframe Unknown)
  3. Injuries Board Assessment (7 – 9 months)
  4. Accept or Reject Injuries Board Assessment (28 days)

Legal Time Limits – Statute of Limitations

The statute of limitations sets a specific period within which you must file your personal injury claim. Generally, you have two years less one day from the date you became aware of your injury to initiate your claim.

What is the Date of Knowledge?

The “date of knowledge” refers to when you first realised:

  • You were injured.
  • The injury was significant.
  • The injury was due to another’s negligence, nuisance, or breach of duty.
  • The identity of the party at fault.

In many cases, the date of knowledge is the day of the accident, but sometimes injuries take time to manifest. In such instances, the date of knowledge is when you discover the injury.

Note: Medical negligence claims are not reviewed by the Injuries Board. To stop the clock on the time limit, you must initiate legal proceedings promptly. Engaging a solicitor as soon as possible is crucial in these cases.

Gathering Details of the Accident

This phase involves collecting all the necessary information about the accident and your injuries. Your solicitor will guide you through this process. The timeframe varies based on how quickly information can be gathered from relevant parties, such as doctors for medical reports or individuals responsible for providing evidence like CCTV footage.

Key information needed includes:

  • Details of the accident.
  • Information on injuries sustained, including photos.
  • Any pre-existing conditions or previous injuries.
  • A list of expenses incurred due to the accident, such as medical bills.
  • Information about the person(s) at fault.
  • Medical reports, which may take time to obtain. Depending on the complexity of your injuries, additional assessments by the other party’s medical experts may be required.

Injuries Board Assessment (7 – 9 Months)

Almost all personal injury claims begin by submitting an application to the Injuries Board using Form A. The Injuries Board, under its 2003 Act, aims to assess claims within 9 months of receiving consent from the other side. Based on the latest reports, the average processing time is around 7.3 months.

Important: Submitting the Injuries Board application stops the clock on the statute of limitations.

Accept or Reject Injuries Board Assessment (28 Days)

Once the Injuries Board completes their assessment, you have 28 days to decide whether to accept or reject their findings. Your decision at this stage can significantly affect the time it takes to resolve your claim.

Two Possible Outcomes:

Outcome 1:

If both parties agree with the Injuries Board’s assessment, the claim is settled, and payment is issued promptly.

Outcome 2:

If either party disagrees, the next step is to initiate legal proceedings, which will extend the duration of the claim.

Legal Proceedings (Timeframe Unknown)

Should your claim proceed to legal action, it’s important to note that most cases settle before reaching court. Settlements typically occur during meetings between the parties involved.

If a settlement cannot be reached, your case will go to trial, where a judge will make a final decision. The duration of this stage varies depending on factors like the time of year and the court’s schedule.


Understanding the various stages and timeframes involved in making a personal injury claim can help you manage your expectations and plan accordingly. Though each case is unique, having a qualified solicitor by your side ensures your best interests are represented throughout the process.

For more tailored advice and support, reach out to a trusted legal professional who can guide you through every step of your claim journey.

Frequently Asked Questions

1. How long does a personal injury claim take to settle?

The duration of a personal injury claim can vary greatly depending on the complexity of the case, the willingness of the parties to settle, and whether the claim proceeds to legal action. On average, straightforward cases may settle within a few months, while more complicated cases can take several years.

2. Do I need a solicitor to make a personal injury claim?

While it is possible to make a personal injury claim without a solicitor, having a qualified legal professional can significantly enhance your chances of a successful outcome. A solicitor can provide expert advice, manage documentation, and represent your interests.

3. What happens if I reject the Injuries Board assessment?

If you reject the Injuries Board’s assessment, you can choose to initiate legal proceedings. This step usually involves negotiating a settlement with the other party, but if an agreement cannot be reached, the case may go to trial.

4. Can I claim for psychological injuries as well as physical ones?

Yes, you can claim compensation for both physical and psychological injuries. It is essential to provide medical evidence to support your claim for psychological injuries, such as reports from a qualified mental health professional.

5. What is the statute of limitations for making a personal injury claim?

The statute of limitations for personal injury claims is generally two years from the date of the injury or from the date of knowledge of the injury. However, certain exceptions may apply, so it is advisable to consult with a solicitor to understand your specific situation.

6. Is there a fee for making a personal injury claim?

Most solicitors operate on a “no win, no fee” basis for personal injury claims, meaning you only pay legal fees if your claim is successful. It is crucial to discuss fee arrangements with your solicitor before proceeding.

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