Road traffic accidents (RTAs) can turn your life upside down in an instant. One moment you’re driving, cycling, or walking, and the next, you’re dealing with the pain and disruption of a fracture. If you’ve suffered a fracture due to an RTA that wasn’t your fault, you might be entitled to compensation. This guide will walk you through everything you need to know about RTA claims for fractures in the UK, from the process to potential payouts. Plus, we’ll explain how National Claims can connect you with experienced solicitors to make your claim as smooth as possible.
What Are RTA Claims for Fractures?
Simply put, an RTA claim for fractures is a legal process where you seek compensation for a broken bone caused by a road traffic accident. Fractures can range from minor cracks to severe breaks requiring surgery, and they often come with pain, medical bills, and time off work. If someone else’s negligence—like reckless driving or poor road maintenance—caused the accident, you have the right to claim.
The UK sees thousands of RTAs each year. According to the Department for Transport, over 130,000 people were injured on British roads in 2023 alone. Fractures are among the most common injuries, especially in collisions involving cars, motorbikes, or pedestrians.
Why Claim Compensation?
You might wonder, “Is it worth the hassle?” The answer is yes. Compensation isn’t just about money—it’s about getting your life back on track. A successful claim can cover:
- Medical expenses (e.g., X-rays, surgery, physiotherapy)
- Lost earnings if you can’t work
- Pain and suffering
- Travel costs for appointments
Moreover, claiming holds negligent parties accountable, whether it’s a driver, a company, or even a local council failing to maintain roads properly.
How to Start an RTA Claim for a Fracture
Starting a claim might feel daunting, but it’s simpler than you think. Here’s a step-by-step breakdown:
1. Seek Medical Attention
First things first, see a doctor. Not only is this crucial for your health, but medical records are key evidence for your claim. They’ll show the extent of your fracture and link it to the accident.
2. Gather Evidence
Next, collect proof. This could include:
- Photos of the accident scene or your injuries
- Witness contact details
- Police reports (if applicable)
- Dashcam footage
The more evidence, the stronger your case.
3. Check the Time Limit
In the UK, you generally have three years from the accident date to file a claim, as outlined by the Limitation Act 1980. Don’t delay—memories fade, and evidence can disappear.
4. Contact a Solicitor
This is where National Claims comes in. They’ll connect you with experienced solicitors who specialise in RTA claims. These experts will assess your case, handle paperwork, and negotiate with insurers. Best of all, many work on a “no win, no fee” basis, so there’s no upfront cost.
5. Submit Your Claim
Your solicitor will file the claim against the responsible party’s insurer. They’ll argue your case, aiming for a fair settlement. If the insurer disputes it, your solicitor might take it to court—though most claims settle beforehand.
How Much Compensation Can You Claim?
Now, the big question: how much could you get? Compensation varies depending on your fracture’s severity, recovery time, and impact on your life. In the UK, payouts are split into two parts:
General Damages
This covers pain, suffering, and loss of quality of life. The Judicial College Guidelines provide a rough range:
- Minor fractures (e.g., a simple wrist break healing in weeks): £2,000–£5,000
- Moderate fractures (e.g., a leg break needing a cast): £10,000–£20,000
- Severe fractures (e.g., multiple breaks or permanent damage): £30,000–£100,000+
Special Damages
This reimburses financial losses, like:
- Lost wages
- Medical costs
- Travel expenses
For example, a news report from MyLondon (27 February 2025) noted that Croydon Council paid over £400,000 in five years for pedestrian accident claims, many involving fractures from potholes. Your payout depends on your unique situation, so a solicitor’s advice is vital.
Why Choose National Claims?
Navigating a claim alone can be overwhelming—especially with a fracture slowing you down. That’s where National Claims shines. They’ll put you in touch with experienced solicitors who:
- Understand RTA laws inside out
- Fight for the maximum compensation
- Handle all the legal jargon and negotiations
With their help, you can focus on healing while they tackle the hard stuff. Ready to start? Contact National Claims today for a free consultation.
Common Challenges in RTA Claims
Of course, it’s not always plain sailing. Here are some hurdles you might face—and how to overcome them:
Disputed Liability
The other party might argue the accident wasn’t their fault. Strong evidence, like witness statements or CCTV, can tip the scales in your favour.
Low Offers from Insurers
Insurers often start with a lowball offer. A skilled solicitor will push back, ensuring you don’t settle for less than you deserve.
Complex Injuries
Fractures with long-term effects (e.g., arthritis) need expert medical reports to prove their impact. Your solicitor can arrange this.
The Role of Local Authorities
Sometimes, the fault lies with poorly maintained roads. The Highways Act 1980 requires councils to keep roads safe. If a pothole or defect caused your accident, you could claim against the council. However, only 8% of such claims succeed, per Accident Claims Advice, so solid evidence is crucial.
FAQs About RTA Claims for Fractures
1. Can I claim if I was partly at fault?
Yes, but your payout might be reduced. This is called “split liability.” For instance, if you’re 25% to blame, you’d get 75% of the full amount.
2. How long does a claim take?
Most settle within 6–12 months, but complex cases (e.g., severe fractures or disputes) can take longer.
3. What if the driver was uninsured?
You can claim through the Motor Insurers’ Bureau (MIB). Your solicitor will guide you.
4. Do I need a solicitor?
You can claim yourself, but a solicitor boosts your chances of success—especially for fractures with big impacts.
5. How much does a solicitor cost?
With National Claims, you’ll likely get a “no win, no fee” deal. If you win, their fee comes from your payout; if you lose, you pay nothing.
Final Thoughts
Fractures from an RTA can leave you in pain, out of pocket, and stressed. But you don’t have to suffer in silence. A compensation claim can ease the burden, and with the right support, it’s less daunting than it seems. National Claims will help you find experienced solicitors to fight your corner, ensuring you get what you’re owed.
So, don’t wait. If you’ve suffered a fracture in an RTA that wasn’t your fault, reach out to National Claims today. Your recovery—and peace of mind—could depend on it.
Contact National Claims today, and we will put you in touch with an expert solicitor who can guide you through the claims process.📞 Call us now free 0800 029 3849 or 📩 Submit an online enquiry to speak to our team. Your safety and well-being matter, and we’re here to help.
We’re proud of our excellent customer reviews
We thrive on delivering exceptional service and ensuring our clients’ satisfaction. Don’t just take our word for it. Check out some of our independent reviews to see what our clients have to say.
Excellent
This firm is excellent, they sorted out my car pay out and injury claim very fast, they always communicate with you all the time.
My accident case was dealt with confidence and with great result of the outcome, especially James kept me informed all the time.
I was very impressed at the way my inquiry was treated. I was listened to attentively and everything I needed to know was explained to me.
This firm is excellent, they sorted out my car pay out and injury claim very fast, they always communicate with you all the time.
My accident case was dealt with confidence and with great result of the outcome, especially James kept me informed all the time.
I was very impressed at the way my inquiry was treated. I was listened to attentively and everything I needed to know was explained to me.
This firm is excellent, they sorted out my car pay out and injury claim very fast, they always communicate with you all the time.
My accident case was dealt with confidence and with great result of the outcome, especially James kept me informed all the time.
I was very impressed at the way my inquiry was treated. I was listened to attentively and everything I needed to know was explained to me.
