No-Seatbelt Road Accident Compensation Claims

If your life, or the life of a loved one, has been affected by a road accident we can help.

The purpose of this guide is to help anyone who has suffered a road accident and is considering a legal claim for compensation. If you are looking for medical advice, please see the NHS website.

In our guide to claiming no-seatbelt road accident compensation:


If an injured driver or passenger was not wearing a seatbelt at the time of an accident, making a road traffic accident claim can be complex.

It is usually still possible to make a claim, but the amount of compensation that the claimant receives may be reduced.

The outcome of the claim and the calculation of the compensation amount rests on a key question: would the injuries have been the same if a seatbelt had been worn?

Driving without a seatbelt

What is the law regarding seatbelt use?

In the UK, drivers and passengers are required by law to wear seatbelts? although there are exceptions, such as when reversing. A driver also has responsibility for ensuring any passenger under the age of 14 is wearing a seatbelt.

How is liability apportioned?

Deciding who is liable in these types of cases is not clear cut. Both parties, the claimant and the defendant, may have been negligent to an extent.

Under common law, all drivers have a duty to exercise due care towards other road users. If another driver has breached this duty of care, and caused an accident, they are likely to be negligent.

The negligent driver would therefore be liable to pay compensation to other parties injured in the accident. This liability exists regardless of whether the other parties were wearing a seatbelt.

Contributory negligence

If the claimant was not wearing a seatbelt, the defendant could argue contributory negligence'.

A defence of contributory negligence alleges that the claimant contributed to either the accident or the severity of their injuries.

In this case specifically, the defendant is not arguing that the claimant helped to cause the accident. Instead, the defendant is arguing that, by not wearing a seatbelt, the claimant caused their injuries to be more severe. This applies to any type of injury, from whiplash to spinal damage.

According to the Road Safety Observatory, seatbelts are 45% effective at preventing serious injuries and 25% effective at preventing minor injuries in drivers.

These figures support a defendant's argument for contributory negligence'. Using a range of medical and other expert opinion, the defendant's solicitor will argue that if the claimant had worn a seatbelt, they would have suffered less serious injuries.

How is the amount of compensation decided?

If it is decided that not wearing a seatbelt had no impact on the extent of the claimant's injuries, the claimant should receive the full compensation amount for those injuries.

However, if it is demonstrated that not wearing a seatbelt did impact of the extent of the claimant's injuries, the claimant will be held partly responsible under contributory negligence'. A percentage of the total compensation amount will then be deducted.

As set out in the case of Froom v Butcher (1975), the amount deducted will depend on how significant a role the seatbelt would have played in preventing the injuries sustained, as follows:

  • If no, or virtually no, injuries would have been sustained if a seatbelt had been worn, 25 per cent will be deducted
  • If the injuries would have been less severe if a seatbelt had been worn, 15 per cent will be deducted

Do I have a no-seatbelt road accident claim?

As a basic rule, you can make a no-seatbelt road accident claim if you were injured:

  • within the last three years, and;
  • another person was to blame, and;
  • that person owed you a duty of care.
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Injury claim eligibility - Common questions

What if the road accident was my fault?

If you think you were partly responsible for the road accident or for your injury, it should still be possible to make a claim.

In these cases, claims are usually settled with a split liability agreement.

For example, if you were 50% responsible for your injuries, you would receive 50% less compensation.

Read more about when there is uncertainty as to who is to blame.

What if the driver was uninsured or untraceable?

If the driver responsible for the injury is either uninsured or untraceable, a claim can be pursued through the Motor Insurers' Bureau (MIB).

The MIB is an independent body that pays road accident compensation to the victims of uninsured or untraced (unidentified) drivers.

Read more

What if a child was injured?

The 3 year rule does not apply to minors.

A claim can be pursued for anyone under the age of 18 by a parent, guardian or litigation friend. The injured child has up to the age of 21 to start a no-seatbelt road accident claim on their own behalf.

Read more about claiming injury compensation on behalf of a child.

What if the no-seatbelt road accident happened abroad?

Making a claim for a no-seatbelt road accident abroad can be more complicated. Any number of factors can affect the best way to go about making a claim. These include whether it was a package holiday, which country you were in and your insurance position. Please call us for more information.

Low value no-seatbelt road accident claims - Updated June 2021

The regulations for making a lower-value road accident claim (sometimes called 'small claims') have changed.

From 31 May 2021, some lower-value no-seatbelt road accident claims should be made using the Ministry of Justice’s new Official Injury Claim Service online portal.

If you were injured in a vehicle, and the general damages for your injuries are likely to be under £5,000, the Official portal will be used to make your claim. The portal should also be used if the total value (general damages and special damages) for your claim is less than £10,000.

Claims for cyclists, motorcyclists, pedestrians and children are not affected by the new regulations.

The new process can be daunting, and we are here to help. You can still use a solicitor to calculate the value of your compensation and to help you make a low value claim through the portal.

No Win, No Fee compensation for low value no-seatbelt road accident claims

Some solicitors are no longer assisting with lower-value claims, but we can still help you make a No Win, No Fee compensation claim for a lower-value road accident claim.

Read more:

Claiming compensation through the small claims process.

How to use the Official Injury Claim portal to claim compensation

How much compensation can I claim for a no-seatbelt road accident?

The amount of money you could claim for your no-seatbelt road accident will depend on:

  • the extent of your injury, and
  • any financial losses or costs you have incurred.

At the start of your claim, your solicitor will consider the many ways your no-seatbelt road accident has affected your life. Your solicitor will take all of these effects into account to calculate the correct compensation award for you.

This calculation will factor in 'general damages' and 'special damages'.

General damages

General damages are awarded for pain, suffering and loss of amenity (PSLA).

Awards for general damages are set by the Judicial College and published in their guidelines for personal injury awards.

Special damages

Special damages are for financial losses and expenses you have incurred as a result of the accident.

What can I claim for after a no-seatbelt road accident? (see list)

Examples of special damages (losses you can claim for) include:

  • Lost earnings (including future earnings)
  • Medical treatment costs
  • Physiotherapy
  • Travel costs
  • Costs of care
  • Costs of adapting your home or car

How is compensation calculated if I have multiple injuries?

If you have sustained multiple injuries, the compensation amounts are not simply added together.

The upper bracket of the most serious injury may be considered as a starting point, with a reduced amount applied for the other less severe injuries.

For example:

General damages for a serious head injury can be £30,000

For a more minor hand injury, in isolation, you would typically receive £3,000.

However, if you have a serious head injury and a more minor hand injury, you would typically receive £30,000 + a reduced percentage of £3,000.

Special damages, such as loss of earnings are not usually increased if you have multiple injuries. Read more about multiple injury claims.

What is the average injury compensation for a no-seatbelt road accident claim?

The Judicial College injury tables give a approximate idea of the ranges awarded for different injuries.

However, the money you would receive following a no-seatbelt road accident will depend entirely on your specific circumstances.

Your no-seatbelt road accident compensation will be calculated based on the unique impact your injuries have had on your life and your ability to work, and on the actual financial losses you have incurred as a result of your injuries.

Will a road accident claim affect my benefits?

It may. The receipt of a compensation award could affect the calculation of any means-tested benefits. One approach to protecting your benefits, would be to set up a "Personal Injury Trust" or "PI Trust". Read more: Should I set up a personal injury trust?

Calculate my no-seatbelt road accident compensation

Calculating how much compensation you can claim for a no-seatbelt road accident injury can be complicated.

Our injury compensation calculator tells you if you may have a claim, how much compensation you could claim, and what you can claim for.

Find out what your no-seatbelt road accident claim could be worth now:

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How long does a road injury claim take?

The length of time needed to settle a road accident claim can vary significantly.

A simple liability accepted road accident claim might be concluded in a matter of weeks. If liability is denied, however, a claim can take significantly longer. Usually, a road accident claim takes 4 to 9 months. For more information on how long your claim could take, see: How long will my claim take?

Caring and sensitive support

Your solicitor will handle your no-seatbelt road accident claim from the initial consultation through to the financial settlement. In addition, your solicitor will work with other specialists to help you with:

  • Financial support: interim payments while you are unable to work.
  • Advice: on personal injury trusts, tax and welfare benefits.
  • Coordination: with rehabilitation providers and therapists.
  • Access: to treatment and therapies not always available on the NHS.

How does no win, no fee work?

Under a no win, no fee agreement (known as a 'Conditional Fee Agreement' or 'CFA') you can make a no-seatbelt road accident claim without having to worry about upfront legal fees. If your no-seatbelt road accident claim is unsuccessful you won't have to pay any money to your solicitor.

Our no win, no fee promise

If you have been injured and it wasn't your fault, our no win, no fee guarantee takes the risk out of making a no-seatbelt road accident injury compensation claim. Read more about making a No win, no fee claim

What do I pay if I win my no-seatbelt road accident claim?

Your injury solicitor will receive a success fee which is deducted from your compensation, only after your compensation is awarded. The solicitor's success fee can be up to 25%. You and your solicitor can agree the success fee before you start your claim.

What do I pay if I do not win my no-seatbelt road accident claim?

If your no-seatbelt road accident claim is not successful then you won't have to pay your solicitor any fees. Your solicitor may take out insurance to ensure there will be nothing to pay.

How do personal injury solicitors get paid?

If your no-seatbelt road accident claim is successful, the defendant, or their insurer, will pay the compensation and your solicitors fees.

How can Quittance help?

Your solicitor will fight for the best possible compensation settlement for you, and the highly-experienced panel of solicitors have an excellent track record of winning road accident claims.

If you have any questions, or would like to start a No Win No Fee claim, we are open 8am to 9pm weekdays, 9am to 6pm on Saturday, and 9.30am to 5pm on Sunday.

Call us FREE 0800 376 1001 or arrange a callback:

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No-seatbelt road accident FAQ's

Can I claim for someone else?

Yes. In certain circumstances, it is possible to claim compensation on behalf of another person in the capacity of a 'litigation friend'.

If an injured person is either too young or vulnerable, too injured or otherwise unable to claim on their own behalf, their litigation friend can handle the claim process on behalf of the injured person.

The litigation friend will be responsible for communicating with the solicitors, and for making decisions in respect of the claim.

Read more about claiming on behalf of another person.

Can I claim if I was partly responsible for an accident?

You may still be able to claim compensation even if you contributed to your accident or to your injuries.

However, if you were partly to blame (known as contributory negligence), your compensation may be reduced and it may be more difficult to prove liability.

Read more about claiming compensation if you were partly responsible for an accident.

How long do I have to make a no-seatbelt road accident claim?

In general, you have a time limit of up to 3 years from the date of the no-seatbelt road accident to make an injury claim.

The last date you can make a claim is known as the claim limitation date - after which your no-seatbelt road accident claim becomes 'statute barred'.

Can I claim for a no-seatbelt road accident after 3 years?

Possibly. The general rule for adults is that a claim must be started within three years.

However, the three-year countdown starts on the day you learned of your injury or illness. This will usually be the date of the accident, but could be the date your doctor gave you a diagnosis.

If you were injured as a child, you do have up until your 21st birthday to make a claim.

There other circumstances that can also impact the limitation date. Call us now on 0800 376 1001 to find out if you are still able to claim no-seatbelt road accident compensation.

In reality, there are a number of factors that can affect whether a car accident claim will be taken on by a solicitor.

Calculate your claim limitation date

Will I have to go to court?

Highly unlikely. The vast majority of claims that are settled by the solicitor panel are settled out of court.

Only a very small percentage (approx. 5%) of personal injury claims go to court. Generally, only very complex cases, or those where liability cannot be resolved, end up in court.

Cases that do ultimately go to court are held in front of a judge, not a jury.

Read more: Will my injury claim go to court and what if it does?

Will I have to go to a solicitor's office?

No. You will not need visit a solicitor's office. As with most professional services, it is no longer necessary to meet face to face with your solicitor. Personal injury claims are dealt with via email, post and telephone.

Should you need to have a medical, this will be arranged at a medical centre near you or at your GP's surgery.

Read more: Will I have to visit a solicitor's office?

Can I get an early compensation payment?

If you suffer financial hardship as a result of an injury, you may be able to claim an interim compensation payment.

An interim payment is a partial settlement of your claim which is paid before your claim is concluded. The amount you receive in interim payments would then be deducted from your final compensation settlement or award.

Read more about interim compensation payments.

Howard Willis, Personal injury solicitor

Howard Willis, Personal injury solicitor