Road accidents can turn your day upside down.
One moment you're going about your usual routine, and the next, you're left dealing with injuries, shock, and the stress of what happens next.
The physical pain is hard enough, but there’s also the emotional strain, the time off work, and the unexpected expenses that can start piling up fast.
If the accident wasn’t your fault and it happened here in Northern Ireland, you may be entitled to compensation.
That doesn’t mean chasing money, it means making sure you’re supported while you recover.
From medical bills to lost earnings, a claim can help ease some of the pressure and give you space to focus on getting better.
Kearney Law Group understands how overwhelming this can feel.
We have clients who’ve found themselves in the same position, hurt, unsure what to do, and just wanting a bit of clarity.
Our team specialises in personal injury claims, including road accidents, and we keep things simple.
You don’t need to know all the legal terms or worry about the process, we’re here to guide you, explain what matters, and help you move forward.
What Should I Do Immediately After a Road Traffic Accident?
Experiencing a road traffic accident can be overwhelming.
However, taking the right steps immediately afterward can significantly impact the success of your compensation claim.
Here's what we recommend:
1. Make Sure Everyone Is Safe
Start by checking if you or anyone else is injured. If it’s safe and possible, move away from traffic and stand somewhere secure.
Turn on your hazard lights to alert other drivers and avoid further accidents. Keeping calm helps you think more clearly and respond better to the situation.
2. Call Emergency Services
If anyone is hurt or the road is blocked, call 999 straight away. Even in less severe accidents, it’s a good idea to involve the police.
The Police Service of Northern Ireland (PSNI) can attend the scene and write up an official report.
That report can be crucial when it comes to supporting your version of events and making a claim later on.
3. Exchange Details with Other Drivers
You’re legally required to give and collect information at the scene. That includes:
- Full name and contact information
- Vehicle registration number
- Insurance provider and policy number
- Make, model, and colour of the vehicles involved
Don’t admit fault or argue. Just stick to the facts and be respectful.
4. Take Photos and Notes
Use your phone to take clear photos of:
- The position of the vehicles
- Any damage to the cars
- Road signs, lights, or conditions
- Any visible injuries
- Skid marks or debris on the road
If there are witnesses, get their names and contact details too. These details can strengthen your case and provide extra clarity when it comes time to file your road accident claim.
5. Get Checked by a Medical Professional
Even if you feel alright at the time, some injuries, like whiplash or internal trauma, might not show up until hours or days later.
According to NICE (National Institute for Health and Care Excellence), symptoms from injuries like these can be delayed.
Seeing a GP or visiting A&E ensures that your injuries are properly assessed and documented.
That medical record is important if you decide to claim compensation.
6. Inform Your Insurance Company
As soon as you’re able, report the accident to your insurance provider.
Give them the basic facts, but try not to go into too much detail or accept blame, especially if you haven’t spoken with a solicitor yet.
Some insurers may want to settle quickly, but their first offer isn’t always fair.
7. Speak to a Personal Injury Solicitor
Before you accept any settlement or sign anything, get legal advice.
A personal injury solicitor can help you understand your rights, assess your case, and deal with insurers on your behalf.
This is especially important if the accident wasn’t your fault and you’re facing medical bills or lost income.
How Long Do I Have to Make a Personal Injury Claim?
If you were injured in a road traffic accident in Northern Ireland, there is a legal time limit for making a personal injury claim.
Knowing how long you have, and when to take action, can make a big difference in securing compensation. Here’s what you need to know in a clear and straightforward list.
1. The General Time Limit Is Three Years
You have up to three years from the date of the accident to start your personal injury claim.
This applies whether you were a driver, passenger, cyclist, or pedestrian.
The clock starts ticking from the date the accident occurred or from the date you became aware that your injury was linked to the accident.
2. Children Have More Time to Claim
If the injured person is under 18, the three-year time limit doesn’t start until their 18th birthday. This means they have until they turn 21 to start a claim.
In the meantime, a parent or guardian can make a claim on their behalf if needed.
Acting earlier often helps strengthen the case, especially when medical treatment is ongoing.
3. No Time Limit for Adults Without Mental Capacity
If someone is unable to manage their legal affairs due to a mental health condition or serious brain injury, there is no time limit for a claim to be made on their behalf.
This rule helps protect those who may not be in a position to make legal decisions for themselves.
A family member or close friend can usually act on their behalf with the help of a solicitor.
4. Acting Early Strengthens Your Claim
Even though the law allows up to three years, it’s best to start the process as soon as you can. Acting early means:
- Witnesses are easier to contact
- Photos and accident details are fresh
- Medical evidence is clearer and more current
5. A Solicitor Can Help You Understand Your Timeframe
Every case is different. If you’re not sure whether you’re still within the time limit or how the rules apply to your situation, it’s always worth speaking to a solicitor.
At Kearney Law Group, we can quickly check your eligibility and guide you on the next steps.
Even if you're unsure about moving forward, having the right information helps you make a decision that works for you.
Starting early doesn’t mean rushing, it just gives you more control over your situation. If you think you may have a claim, the best time to ask is now.
What Compensation Can I Expect from a Road Accident Claim?
The amount of compensation varies depending on the specifics of your case. Generally, compensation may cover:
1. General Damages
This covers the pain, suffering, and loss of enjoyment in your day-to-day life as a result of the accident.
If you’ve experienced long-term pain, temporary disability, or emotional distress, general damages aim to compensate for how your quality of life has been affected.
The Judicial Studies Board for Northern Ireland provides guidelines on how these amounts are assessed.
For example, a minor whiplash injury may be valued differently than a more serious spinal injury.
Your solicitor will refer to these guidelines while also considering your unique circumstances.
2. Special Damages
Special damages cover your out-of-pocket expenses, in other words, the financial losses directly linked to the accident.
These can vary widely from case to case but usually include the following:
3. Medical Expenses
You may be able to claim back costs related to GP appointments, hospital visits, prescription medications, physiotherapy, counselling, and any specialist treatment required.
Even travel to and from these appointments can be included.
According to research by the Royal College of Emergency Medicine, soft tissue injuries from road accidents are one of the most common reasons people visit A&E.
The costs involved in ongoing recovery can add up quickly, so keeping receipts and invoices is important.
4. Loss of Earnings
If you’ve had to take time off work due to your injuries, you can claim for any wages you’ve lost during that period.
If your injuries prevent you from returning to your job or reduce your ability to earn in the future, compensation can also cover that loss.
Self-employed individuals can also claim for lost income, but you may need to provide tax records or other financial documents to show the impact.
5. Vehicle Repairs or Replacement
If your vehicle was damaged or written off in the accident, you can claim for the cost of repairs or for replacing it altogether.
You’ll usually need quotes, invoices, or an official valuation report to support this part of your claim.
6. Travel Expenses
This can include the cost of taxis, public transport, or fuel used to attend medical appointments or legal meetings related to your case.
In some cases, overnight stays or accommodation costs might also be claimed if you're required to travel for treatment or court hearings.
7. Care and Support
If you’ve needed help at home, whether from a professional carer or even a family member, you may be able to claim for the value of that care.
This is especially relevant in more serious cases where everyday tasks become difficult due to injury.
8. Future Treatment and Long-Term Support
In cases where the injuries have long-term effects, your compensation can include future medical expenses, mobility aids, home adaptations, or ongoing therapy.
This ensures that you're supported not just now, but well into the future if needed.
9. Emotional or Psychological Impact
In some claims, people have suffered more than just physical harm. Conditions like anxiety, PTSD, or depression may follow a traumatic road accident.
If you’ve been diagnosed with a recognised psychological condition related to the accident, this could also be factored into your compensation.
10. Why Legal Advice Matters
No two road accident claims are the same.
The details of your injuries, your financial situation, and the long-term effects all influence how much you might be entitled to.
That’s why it’s a good idea to speak with a personal injury solicitor before making any decisions.
How Can Kearney Law Group Assist with My Road Accident Claim?
At Kearney Law Group, we specialise exclusively in personal injury law, ensuring that our clients receive expert advice and representation.
Our dedicated team will:
- Provide a Free Initial Consultation
We'll discuss the details of your case and advise on the best course of action. - Handle All Legal Aspects
From gathering evidence to negotiating with insurance companies, we manage the entire process. - Ensure You Keep 100% of Your Compensation
We guarantee that you will receive the full amount of any compensation awarded. - Offer Remote Services
Utilising state-of-the-art technology, we can handle your case remotely, providing convenience and efficiency.
What Is the Process of Making a Road Accident Claim in Northern Ireland?
If you're thinking about starting a claim, you might wonder what actually happens next.
Here’s a quick breakdown of what the road accident claims process typically looks like with us:
1. Initial Consultation
We start with a free, no-obligation chat. You tell us what happened, and we’ll tell you where you stand. If we believe you have a case, we’ll take it from there.
2. Investigation and Evidence Gathering
We collect medical reports, police records, photographs, witness statements, and any other documentation that supports your claim.
3. Submitting the Claim
We notify the other party (usually their insurance company) that you're making a claim. This starts the formal process.
4. Negotiation
Most claims are settled out of court. We’ll negotiate on your behalf to secure fair compensation. We’re firm but fair, always focused on what’s best for you.
5. Court Proceedings (If Necessary)
If the other party refuses to settle, we’re fully prepared to go to court. You won’t be alone—we’ll be with you every step of the way.
How Long Does a Road Accident Claim Take?
There’s no one-size-fits-all answer.
It depends on:
- The complexity of your case
- The severity of your injuries
- How cooperative the other party is
Simple cases might settle in a few months. More complicated claims can take a year or more.
What Evidence Helps Strengthen My Road Accident Claim?
The more proof you have, the better. To strengthen your claim, try to gather the following:
- Photos of the accident scene, vehicle damage, and injuries
- Witness details, including names and contact information
- Medical records from your GP or hospital
- Police reports, if they attended the scene
- Receipts and records of any expenses linked to the accident
Even small details can make a difference. Share everything with us—we’ll sort through it and build a strong case.
Thinking About a Road Accident Claim? Here’s Why You Shouldn’t Wait
If you’ve been injured in a road accident that wasn’t your fault, it’s completely normal to feel unsure about what to do next.
Many people wait, either because they’re focused on getting better, unsure about their rights, or worried the process will be too stressful.
But delaying a road accident claim can make things harder in the long run.
People who get early legal advice are more likely to receive fair compensation and feel more in control during their recovery.
The longer you wait, the more difficult it can be to gather evidence, contact witnesses, or prove the full impact of your injuries.
At Kearney Law Group, we help people across Northern Ireland every day with road accident claims.
We make the process straightforward, clear, and manageable.
From the first conversation to the final outcome, we take care of the legal side so you can focus on your recovery.
Whether you’re ready to start your claim or just want to understand your options, we’re here to help. You don’t have to figure it out on your own.