Can I make a personal injury claim months after my car insurance claim?



Yes, if you have a condition that did not manifest itself (like Post Traumatic Stress Disorder for example) until after the accident, or perhaps you simply did not decide to make a claim for your accident injuries at the time – you can still make a compensation claim.

UK law allows anyone to seek injury compensation for up to 3 years from the date of the accident, provided they have not previously made an injury claim for it.

You will be required to provide some documentary evidence of your condition from a medical professional and how it is directly linked to accident you had.

Successful compensation claim settlements can vary from several hundred to several thousand pounds depending on the type of injury you have and how it is affecting you now.

In summary, a number of factors will need to be considered when making an injury compensation claim, these are:-

  • Liability - who was at-fault for the accident

  • The circumstances – the physical and/or mental trauma involved

  • Witnesses or evidence to support your claim

  • The type of injury you have suffered

  • Medical assessments or reports on your condition

  • How the injury affects your daily living or employment



Speak to one of our advisors and we will assess your situation and put you in touch with the solicitors we work with if you have a realistic chance of making a successful claim.

Your appointed solicitor will consider your situation in more detail and discuss your options further. Your appointed solicitor will explain the process with you and if you are happy to proceed they will pursue a claim settlement on your behalf.

To find out more about making a compensation claim call 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury