Road Traffic Accident Compensation Calculator

Calculate your road traffic accident compensation. Covers whiplash (new 2021 tariff), fractures, soft tissue injuries, head and spinal injuries for UK claims 2026.

Road Traffic Accident Compensation Calculator

Estimated Compensation

General Damages-
Range-
Special Damages-
Total Estimated Compensation-
MB
Mustafa Bilgic Reviewed by James Mitchell, ACCA — Updated April 2026
RTAWhiplash2026

Compensation Bands

Type / SeverityMinMax
Whiplash up to 3 months£240£600
Whiplash 3-6 months£600£1,320
Whiplash 6-18 months£1,320£2,040
Whiplash 18-24 months£2,040£3,910
Fracture£6,190£130,930
Head/Brain£2,210£403,990
Spinal/Back£7,890£160,980

Key Facts

Whiplash Claims/Year
~500,000
Avg RTA Claim
£3,000-£5,000
Time Limit
3 Years

How to Use This Calculator

1

Select your injury type

Choose the category and type of injury from the dropdown menus.

2

Indicate severity

Select the severity level to determine the JCG compensation band.

3

Enter your financial losses

Input salary, time off work, medical costs and other expenses.

4

Add special damages

Include all out-of-pocket expenses caused by the injury.

5

Review your estimate

The calculator shows general damages, special damages and total compensation. Consult a solicitor for formal advice.

Frequently Asked Questions

How much compensation can I claim?
Compensation depends on injury severity and impact. General damages (pain and suffering) are set by Judicial College Guidelines. Special damages (financial losses) are calculated individually. Use this calculator for an initial estimate.
What is the time limit for claiming?
The general time limit is 3 years from the date of injury or the date of knowledge (when you became aware the injury was caused by negligence). For children, the limit starts at age 18. There is no limit for those lacking mental capacity.
Do I need a solicitor?
While not legally required, a specialist personal injury solicitor significantly improves your chances of a fair settlement. Most work on a no-win-no-fee basis (Conditional Fee Agreement).
What are general damages?
General damages compensate for pain, suffering and loss of amenity (PSLA). The amount is determined by the Judicial College Guidelines based on the type and severity of injury.
What are special damages?
Special damages compensate for actual financial losses: lost earnings, medical expenses, travel costs, care costs, home adaptations, and any other out-of-pocket expenses caused by the injury.
Will claiming affect my employment?
It is automatically unfair dismissal to dismiss someone for making a legitimate personal injury claim. Your employer's liability insurer handles the claim, not your employer directly.

Official Sources & References

Data verified against official UK government and judicial sources. Last checked April 2026.