Seat Belt Injury Compensation Claims
If your life, or the life of a loved one, has been affected by a seat belt injury we can help.
The purpose of this guide is to help anyone who has suffered a seat belt injury 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
seat belt injury compensation:
The law states that unless you have a medical exemption certificate, you must wear a fitted seat belt. This law applies whether you are the driver or a passenger (over the age of 12) in a car, taxi or van.
A recent (2019) report by the Department of Transport found that although 98.6% of UK drivers wear a seatbelt, 27% of car occupants killed on Britain's roads were not wearing a seatbelt.
Wearing seat belt clearly helps to prevent injuries in the event of a road traffic accident. However, a seat belt can also cause injuries in a collision, and it may be possible to bring a road traffic accident compensation claim for those injuries.
For example, a high impact collision between a car and a larger vehicle, such as a truck, may force the seat belt to tighten across the chest, causing bruising and burns. In some situations, the sternum or ribs may be fractured. In serious cases, a chest fracture could cause a lung to collapse.
Whiplash injuries may also be sustained when the upper body is restrained by the seat belt while the head is thrown forwards and backwards by the force of the collision. This action causes damage to the muscles, ligaments and nerves of the neck.
Although wearing a seat belt in a high-speed collision can prevent severe and fatal injury, the force of the crash may still result in fractures to the cervical spine.
Do I have a seat belt injury claim?
As a basic rule, you can make a seat belt injury claim if you sustained an injury:
- in the last three years, and;
- someone else was to blame, and;
- that person owed you a duty of care.
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.
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.
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 seat belt injury claim on their own behalf.
Low value seat belt injury 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 seat belt injury 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 seat belt injury 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.
The amount of money you could claim for your seat belt injury 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 seat belt injury 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 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 are for financial losses and expenses you have incurred as a result of the accident.
What can I claim for after a seat belt injury? (see list)
Examples of special damages (losses you can claim for) include:
- Lost earnings (including future earnings)
- Medical treatment costs
- 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.
General damages for a serious shoulder injury can be £15,000
For a less severe chest injury, in isolation, you would typically receive £4,200.
However, if you have a serious shoulder injury and a less severe chest injury, you would typically receive £15,000 + a reduced percentage of £4,200.
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 seat belt injury 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 seat belt injury will depend entirely on your specific circumstances.
Your seat belt injury 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.
Is it worth claiming for multiple minor injuries?
Yes. even relatively minor injuries can result in reasonable compensation settlements, especially if you have incurred expenses or taken time off work as a result of the accident.
Calculate my seat belt injury compensation
Calculating how much compensation you can claim for a seat belt 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 seat belt injury claim could be worth now:
How long does a seat belt injury claim take?
The length of time needed to win compensation for a seat belt injury can vary significantly.
A simple uncontested road accident claim could be settled in a month or two. If liability is denied, however, the process might take substantially longer. Normally a road accident claim takes between 4 and 9 months. See: How long will my claim take?
Caring and sensitive support
Your solicitor will handle your seat belt injury 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.
Who pays for this specialist help?
The cost of treatment will be factored into your compensation settlement paid by the defendant or their insurance company. Should you require private treatment before the case settles, an interim payment to cover treatment costs may be possible.
What if I wasn't wearing a seatbelt?
If you have been injured in a road traffic accident that was the fault of another driver, your injury claim would be against that negligent driver, whether you were wearing a seat belt or not.
However, a court may consider that your injuries may have been less serious if you had been wearing a seat belt, and may reduce the amount of compensation awarded. Typically, this is around a 25% deduction for the 'contributory negligence'.
Read more about compensation for a road accident without a seatbelt here.
Although it is rare for seat belts to fail, it may be possible to bring a defective product claim if it can be proved that the seat belt was faulty and that the injuries would have been less severe had the seat belt not failed.
Your solicitor would bring a claim for the defective seat belt against the car manufacturer under product liability laws. An engineer's report might be required to prove the case.
How does no win, no fee work?
No Win, No Fee is an agreement with your solicitor (known as a Conditional Fee Agreement or CFA) that means that you can make a seat belt injury claim with:
- no upfront legal fees
- no solicitor's fees payable if your claim is not successful
- a success fee payable only if your claim is successful
No Win, No Fee is the most common way to make a compensation claim.
Our no win, no fee guarantee
Our no win, no fee guarantee means there is zero financial risk in making a seat belt injury claim - even if you don't win your claim. Read more about making a No win, no fee claim
What do I pay if I win my seat belt injury claim?
Your injury solicitor will receive a success fee which is deducted from your compensation, once your claim is settled. The solicitor's success fee can be up to 25%. Your solicitor will agree a success fee with you before you start your claim.
What do I pay if I do not win my seat belt injury claim?
If your seat belt injury claim is not successful then you do not have to pay any legal fees . Your solicitor may take out insurance to ensure there will be nothing to pay.
Is there a penalty if I withdraw?
Under a No Win, No Fee Agreement (CFA), fees may apply if a claimant refuses to cooperate, or abandons their claim after the legal work has started, or if the claim is fraudulent.
Is there a catch?
The Conditional Fee Agreement (CFA) sets out the terms between you and your solicitor., No Win No Fee is a regulated activity and as such there should be no nasty surprises in the agreement. Nevertheless, it is recommended that you read the agreement carefully and ask any questions if you are unsure.
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:
if you can claim
to start a claim
Seat belt injury 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.
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.
How long do I have to make a seat belt injury claim?
In general, you have a time limit of up to 3 years from the date of the seat belt injury to make an injury claim.
The last date you can make a claim is known as the claim limitation date - after which your seat belt injury claim becomes 'statute barred'.
Can I claim for a seat belt injury 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 seat belt injury compensation.
In reality, there are a number of factors that can affect whether a car accident claim will be taken on by a solicitor.
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.
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.
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.
Gaynor Haliday, Legal researcher
About the author
Gaynor Haliday is an experienced legal researcher and published author. She has had numerous articles published in the press and is a legal industry commentator.