Injury Claims After a Car Accident
Updated Oct 19, 2026 · Daniel Moreau · 6 min read
How personal injury claims work and what to keep records of.
What this article covers
Injuries such as whiplash are common in rear-end collisions.
Claims processes vary by country.
Seek medical advice
Some injuries appear hours or days later. See a doctor and keep records.
Records to keep
- Medical notes
- Time off work
- Travel to appointments
- Photos and witness details
Claims processes
Some countries have special processes or tariffs for minor injuries. Legal advice may be helpful for serious injuries.
Avoid fraud
Exaggerated claims are fraud and push up premiums for everyone.
Talk to your insurer first
Tell your own insurer about the accident promptly, even if you were not at fault and plan to claim from the other driver. They may handle the claim or advise on next steps. Be wary of unsolicited calls or texts from claims companies offering compensation — they may be fishing for information or encouraging inflated claims. Use reputable solicitors or your insurer’s legal expenses cover if you have it.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.