Compensation Calculator
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Anatomy Map
Injury Compensation by Recovery Time
Select your injuries to get an estimate of how much your claim may be worth based on recovery time.
| Area | Type | 0-3 | 3-6 | 6-12 | 12-18 | 18-24 |
|---|
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Disclaimer:
This tool is for general guidance on low-value RTA injury claims only. It is not legal or medical advice. The values shown are estimates and may vary depending on individual circumstances and evidence. For an accurate assessment, you should seek professional advice.
Personal Injury Compensation Calculator: Estimate Your Claim Value
How does our compensation calculator work?
Our online compensation calculator helps you estimate your potential payout following a road traffic accident (RTA) in England and Wales. Since the UK government introduced major legal reforms, personal injury claims are split into distinct legal categories. To provide an accurate estimate, our tool calculates payouts based on whether your injury falls under the official injury claim calculator system, traditional legal routes, or a combination of both.
By entering details about your accident role, your specific injuries, and your recovery timeline, our system processes the data using the latest UK legal frameworks. This ensures you get a realistic projection of what your claim might be worth before you begin the official process.
What is OIC compensation? (The Whiplash Tariff)
If you were a driver or passenger aged 18 or older, and your injuries are valued under £5,000, your case must go through the government’s official injury claim portal. For these small claims, oic compensation for whiplash is fixed. It uses a strict government tariff based entirely on your recovery duration.
| Injury Duration | Tariff Payout (Whiplash Only) | Tariff Payout (With Minor Psychological Injury) |
|---|---|---|
| 0 to 3 Months | £240 | £260 |
| 3 to 6 Months | £495 | £520 |
| 6 to 9 Months | £840 | £895 |
| 9 to 12 Months | £1,320 | £1,390 |
| 12 to 15 Months | £2,040 | £2,140 |
| 15 to 18 Months | £3,005 | £3,135 |
| 18 to 24 Months | £4,215 | £4,345 |
Our whiplash claim calculator applies these precise government rules automatically when you select a whiplash injury and input your recovery time frame.
What are Non-OIC claims? (Non-Tariff Injuries)
Not all road accident injuries are bound by the strict whiplash tariff. You completely bypass the OIC tariff rules if you meet any of the following criteria:
- Vulnerable Road Users: You were a pedestrian, cyclist, motorcyclist, scooter rider, or horse rider.
- Different Injury Types: You suffered broken bones, severe scarring, deep lacerations, complex orthopaedic injuries, or severe psychological trauma like PTSD.
- Higher Claim Value: Your total personal injury compensation limits uk for pain and suffering exceed £5,000.
For Non-OIC claims, our tool switches algorithms. It uses the latest Judicial College Guidelines (JCG) to estimate your payout based on the severity of the injury rather than fixed timelines. This allows for much higher general damages payouts.
What is a mixed value injury claim UK?
A mixed value injury claim uk occurs when you suffer a tariff injury (whiplash) plus a non-tariff injury (such as a broken wrist, facial bruising, shoulder impact, or a knee injury) in the same accident.
Calculating these hybrid claims is highly complex because the law prevents “double recovery” for the same period of suffering. Our calculator handles this by mimicking how UK courts assess mixed claims:
- Tariff Assessment: The whiplash element is strictly valued using the fixed OIC tariff.
- Non-Tariff Assessment: The non-whiplash element is valued using traditional Judicial College Guidelines.
- Totality Adjustment: The tool applies a “totality adjustment” deduction. This ensures the combined payout is fair and accurately reflects your total suffering without double-counting overlapping recovery periods.
How are special damages calculated?
Beyond your physical injuries, the rta small claims limit allows you to claim back out-of-pocket financial losses up to a total combined cap of £10,000. Our calculator factors these financial losses into your final estimate:
- Loss of Earnings: Past and future unpaid time off work due to recovery or medical appointments.
- Medical Expenses: Private physiotherapy, specialist rehabilitation, osteopathy, and prescriptions.
- Travel Costs: Fuel, parking, or public transport expenses used to attend medical assessments.
- Property Repairs: Costs to fix or replace your vehicle, clothing, spectacles, or mobile phone damaged in the crash.
Frequently Asked Questions About OIC & Personal Injury Claims
Can I claim compensation without a lawyer?
Yes. The official injury claim portal was specifically designed by the UK government so that unrepresented claimants could process their own road traffic accident claims without hiring a solicitor.
What is the small claims limit for personal injury?
The current rta small claims limit is £5,000 for personal injuries. However, the total value of the claim—including your special damages like vehicle repairs and loss of earnings can go up to £10,000 within the portal.
How long do I have to make a claim?
In the UK, the standard limitation period for a personal injury claim is three years from the exact date of the accident. If you do not submit your claim within this three-year window, it will become statute-barred, and you will lose your right to compensation.
What happens if my injuries last longer than expected?
If your recovery takes longer than initially predicted, you can update your medical evidence within the portal. Our compensation calculator allows you to adjust your recovery duration at any time to see how a prolonged injury impacts your potential tariff payout.
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