A Guide To The Minimum Compensation For Whiplash Injuries – What Is the Minimum Amount Or Payout For Whiplash?

By Joanne Jeffries. Last Updated 9th July 2021. Welcome to our online guide looking at the minimum compensation payout for whiplash. Have you suffered whiplash as the result of an accident that was not your fault? Unfortunately, whiplash could be considered one of the most common injuries sustained in the UK. Whilst most people may get whiplash because of a road traffic accident, there are many different incidents that could lead to this type of injury.

Whiplash compensation claims settlement minimum compensation payout for whiplash

Whiplash compensation claims settlement

For instance, some people could suffer whiplash when they have been on a fairground round, and it has jolted harshly, causing their head to quickly move forward and back. When you take this into account, it is easy to see how whiplash could occur in numerous scenarios. If you have suffered a whiplash injury and it was not your fault, you might be thinking about making a claim, but what would you get in settlement for a minimum whiplash claim? is there a whiplash compensation calculator? And how does the claims process work.


Making a claim – what you need to know

When making any personal injury claim for a minimum settlement for whiplash, one of the most important things you may want to know is how much money you could be entitled to. This all depends on the type of injury you have suffered, your pain, the severity of the injury and the impact it is having/or has had on your life. In this guide, we will help you to understand the minimum whiplash claim payout you could be entitled to, as well as the different factors that could impact this.

If you have any queries about securing a minimum payout for whiplash, our friendly and experienced team is here to help. Simply give us a call today on 0800 073 8801, and we’ll help you in any way that we can. We have many years of experience when it comes to helping claimants secure anything from the minimum settlement for whiplash to the higher amounts, and we are here to help.

If you have any sort of query, no matter how big or small, please do not hesitate to get in touch with us, and we will be more than happy to assist you. We know that making a claim for compensation could seem overwhelming, which is why you may need an experienced and reputable legal partner, authorised and regulated by the Solicitors Regulation Authority by your side to assist. We could provide you with accident claims solicitors to help you make a claim, taking on the work of proving your case so that you may concentrate on your recovery.

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A Guide To Minimum Settlements For Whiplash Injuries

In 2020, the government published estimated figures for road traffic casualties which were lower than for previous years, due to the pandemic. However, there were still many people injured on UK roads during this period, as you can see below.

minimum compensation amount for whiplash

If you have sustained a whiplash injury as a consequence of a car accident, or any other type of incident that was not your fault, you may be wondering about the minimum settlement for whiplash you could be entitled to. In this minimum compensation payout for whiplash guide, we provide information on whiplash claims payouts, including the average payout for a whiplash claim and the minimum whiplash payout.

How we could help

Accident Claims UK has a lot of experience in the industry, and we could provide you with the assistance you need with regards to making a whiplash claim. We can also provide you with a personal injury compensation claims solicitor who would put together a case that includes damages for the whiplash you have suffered, as well as any losses you incurred.

What Are Whiplash Injuries?

Whiplash usually occurs as a result of a road traffic accident. This is because the head could jolt backwards and forwards when there is a sudden impact which negatively impacts muscles and soft tissues in the neck. Some of the most common symptoms of this neck injury could include:

  • Dizziness
  • Pain in the neck
  • Pain in the arms or shoulders
  • Inflammation
  • Swelling
  • Aching
  • Headaches

Some people who suffer whiplash do not experience any symptoms straight away. You may feel fine immediately after the accident, but after a day or two, the symptoms mentioned could start to develop.

Assessing The Severity Of A Whiplash Injury

If you have sustained a whiplash injury, you may be entitled to a payout for whiplash. This could be the case irrespective of how major or minor your injuries may be. The severity of your injury usually determines the minimum compensation payout for whiplash you could be entitled to receive in general damages. In order to decipher whether you even have a case, to begin with, you need to ensure that the following three statements apply to your personal injury claim:

  • The accident occurred because of someone else’s negligence or error
  • You experienced an injury as a result of the accident
  • The whiplash injury happened within the last three years – this is the typical personal injury claims time limit, yet there are exceptions, so don’t let this deter you from giving us a call

If all three statements apply to your whiplash injury, you could have a chance of getting at least the minimum whiplash claim payout.

Calculating The Severity of Whiplash

After establishing the basis for your claim, the severity of the whiplash injury would be considered. This would determine the level of compensation you could receive. It is a requirement of personal injury claims that an independent expert carries out a medical assessment. They would take a look at how severe your injuries are, as well as the impact the injury could have on your life, the prognosis and the treatment you require. A court, insurance company or personal injury solicitor would then use this to determine the minimum settlement for whiplash you could be awarded.

Grading a whiplash injury

There are five different whiplash grades which are as follow:

  • Grade 0 – this is when there are no physical signs of whiplash and no complaints
  • 1 – Grade 1 is when there are neck complaints, yet there are no physical signs of whiplash
  •  2 – this grade is for neck complaints and musculoskeletal signs
  • Grade 3 – this grade relates to cases where there are both neck complaints and neurological signs
  • 4 – this is the worst grade of whiplash. It is used to describe situations where there is a dislocation or fracture, as well as neck complaints

The next thing you could choose to do is find a high-quality personal injury lawyer who can handle your case for you. Accident Claims UK could provide you with experienced and reputable solicitors that work on a No Win No Fee basis.

Symptoms Of Whiplash You Could Claim Compensation For

There are a lot of different whiplash symptoms you may experience. Some people could only experience one symptom, whereas others could encounter a whole host of them. While you may feel you are able to self-diagnose yourself with whiplash, it is vital to see your GP so you can explain your symptoms and get the right advice and treatment for your injuries.

Even though you might have seen your GP, it is still important when making a claim for the minimum whiplash claim payout that you attend a medical appointment with an independent doctor/specialist too. Their report would be used to work out how much compensation you may be entitled to.

Some of the most common whiplash symptoms people experience amongst their pain and suffering include the following:

  • Headaches
  • Sore muscles around the neck
  • Reduced mobility of the neck and head
  • Stiff neck or neck pain

Other symptoms that could affect the minimum compensation payout for whiplash

Aside from the symptoms mentioned, there are some other symptoms that people could also experience when suffering from whiplash. This could include the following:

  • Irritability
  • Ringing in the ears
  • Difficulty concentrating
  • Tiredness and fatigue
  • Tingling of the hands and arms/pain in the hands and arms
  • Difficulty sleeping
  • Memory problems
  • Blurred vision
  • Dizziness
  • Back pain

If you experience any of the symptoms mentioned above, it may be the case that you have sustained whiplash. It is also worth pointing out that some whiplash symptoms could take a while to surface, meaning your condition could get worse as time goes on. This again highlights why it could be important to see a medical professional.

When it comes to whiplash treatment, a lot of the milder cases could be treated with painkillers. It is also important to make sure the neck does not stiffen up, and gentle exercises could be effective to keep the neck moving. For more serious cases, further treatment may be needed, which could include physiotherapy.

If you’d like to find out more about the minimum compensation payout for whiplash, get in touch with one of our friendly and helpful advisors today. 

Is There An Average Payout For A Whiplash Injury?

The payouts for whiplash could vary considerably. Cases of severe whiplash with damage to the spine and on-going long-term symptoms could entitle you to a payout as high as £97,500.

It is important to understand that there are so many different factors that could influence how much money you receive. If you would like to make a minimum whiplash claim, and you want to find out more, one thing you could do is give our friendly team a call, and we will be more than happy to assist you in any way we can.

There are a number of steps you could take to enhance your chances of securing the minimum whiplash claim payout. Firstly, it may be a good idea to jot down the specifics of the whiplash injury as soon as you can. This could ensure that you would not forget anything important.

If you could get the contact details of the person who caused the incident and any witnesses, this could also be of help.

Finally, it may be good if you could keep proof of any of the costs you have had to pay as a result of your injury. This could be anything from medical costs to hospital parking. You may be able to claim for these, but proof would be necessary. All of this influences the minimum compensation payout for whiplash you could claim for.

How Long Could A Whiplash Claim Take?

You may want to know how long it could take to get the minimum settlement for whiplash. Firstly, there is a time limit on personal injury cases, which is typically three years, starting from the date of the accident. However, there can be some exceptions; for example, if you were a child when you experienced whiplash, your parents could make a claim for you, or you could have three years from the date of your 18th birthday.

If you lacked the physical or mental capacity to make your claim at the time, you might also be granted longer to claim. If you would like further information on time limits, please do not hesitate to give us a call, and we will be able to assist.

With regards to how long it is going to take for compensation to be secured, the longest part tends to be reaching a settlement. This is the period whereby offers are presented; counter offers are made, and so on and so forth. The amount of time that it could take for you to receive your settlement once it has been agreed is usually not long at all.

Calculating Minimum Settlements For Whiplash Injuries – Updated October 2021

The minimum settlement for whiplash does depend on a number of different factors. However, in order to help you get a better understanding of the whiplash payout amount you may be entiitled to receive, we have put together a table with figures are taken from the Judicial College’s Guidelines for specific injury types relating to neck injuries and could prove a good alternative to using a personal injury claims calculator.

People who suffer from minor whiplash injuries Those that are likely to receive the ‘minimum’ amount of compensation) would typically receive between £750-£2500. as a estimate.Minor whiplash Injuries Estimation.
Injuries to the neck - Moderate£23,460 to £36,120 Within this bracket, injuries can include chronic injuries, as well as fractures and dislocations. In the long-term, there could be a loss of some function. You could also be an increase in regards to vulnerability of future trauma.
Injuries to the neck - Moderate£12,900 to
Within this bracket, injuries can include both disc lesions and wrenching type injuries. This bracket can also relate to injuries that have resulted in suffering and pain that has lasted for a considerable amount of time.
Injuries to the neck - Moderate£7,410 to
Within this bracket, injuries will have a longer recovery period. There can also be an increase in regards to vulnerability of future trauma. Accidents that have aggravated a pre-existing condition tend to fall into this bracket as well.
Injuries to the neck - Minor£4,080 to £7,410Within this bracket, the claimant that receives this level of payout will typically have injuries that resolve sometime between one and two years from the date of when the injury occurred. There are a number of factors that are considered when determining the payout amount. This includes the level of suffering and pain the individual has experienced. It also includes whether there is the presence of back pain, as well as how the claimant’s work was impacted.
The Whiplash Injury Regulations 2021
Regulation 21 (A)
£4,215Duration 18 months to 24 months
The Whiplash Injury Regulations 2021
Regulation 21 (A)
£3,005Duration 15 months to 18 months
The Whiplash Injury Regulations 2021
Regulation 21 (A)
£2,040Duration 12 months to 15 months
The Whiplash Injury Regulations 2021
Regulation 21 (A)
£1,320Duration 9 months to 12 months

If you cannot see the sort of neck injury you have experienced in the table above, or you would like to find out more about the minimum compensation payout for whiplash, please do not hesitate to get in touch with our friendly and experienced team for more details.

If you’d like to find out what else could contribute to the minimum compensation payout for whiplash that you could receive, please continue reading to the next section. 

What Effect Does The Whiplash Reform Programme Have On My Claim?

From 31st May 2021, there was an amendment to how a claimant could make a low-value road traffic accident claim. Unfortunately, the introduction of the Whiplash Claim Reform Programme means that anyone with a personal injury claim of a value of £1,000 to £5000 (not including special damages) now must use a government portal to make their personal injury compensation claim. Another part of the programme bans the settlement of claims where there is no medical evidence as to the injury suffered. While a personal injury lawyer would still be able to help with such claims, there would not be any way for them to recoup legal costs from the at-fault party or their insurer.

There is a separate tariff for such claims too. The government has set the tariff, and it is different to what you would have been able to claim prior to the programme coming into force. The amount you could receive would relate to the length of time you’d suffered with minor whiplash injuries.


What Medical Evidence Would I Need?

The medical evidence you’d need for your claim would need to come from a medical expert who was independent from the case. They would need to give you an examination, and talk to you about your injuries. Based on their assessment, they would produce a report that could be then used to value your claim. The report would contain details of your injuries (nature and severity) and your prognosis.

Whiplash Payout Amounts For Special Damages

When claiming for whiplash, not only could you receive compensation for your injuries, but you could also claim for any other costs you have encountered as a result of your injuries. The amount of compensation could include the following:

  • Prescription costs
  • Treatment expenses
  • Vehicle repair costs
  • Loss of earnings
  • The cost of adapting your accommodation
  • Hospital parking expenses
  • Travel costs
  • Childcare expenses

These are all known as special damages. You may be able to claim for them if you have proof. So, it would be a good idea to make sure you do not throw away your receipts or any other relevant documents that can prove the costs you have paid, so you could secure the maximum payout for your whiplash injury.

No Win No Fee Claims For Whiplash Injuries

You would not need any money to begin your minimum whiplash claim if we were to provide you with a lawyer for your claim, and the financial risk could be lowered considerably. This is because of the No Win No Fee service that our solicitors provide. If you have never heard of this before, it means that you would only need to pay legal fees if your case is a success.

You would sign a No Win No Fee agreement to promise your lawyer that you would pay a percentage of your compensation settlement to them as a success fee.

Why not give us a call today, and we will do everything to try and make sure you get the minimum compensation payout for whiplash you deserve. We will also explain the No Win No Fee process in further detail if you have any questions.

Why Choose Accident Claims UK To Handle Your Claim?

Here at Accident Claims UK, we are confident you will be happy with the service we could provide. Every personal injury solicitor we work with works on a No Win No Fee basis, and you can read the reviews that have been left by our previous customers by browsing our website if you would like to find out more about what people have thought of our service.

We could assist with free, no-obligation advice when it comes to personal injury claims, and we could help when it comes to securing the minimum settlement for whiplash. Here at Accident Claims UK, we pride ourselves on qualities such as honesty, integrity, and transparency and so you can have complete peace of mind when you use our service.

Our team will always be honest with you about the strength of your case and the minimum whiplash payment you could look to receive. We will keep you informed every step of the way, and we are always here to answer any of the queries that you may have throughout the process.

Start Your Claim With Accident Claims UK Or Ask About The Minimum Compensation Amount for Whiplash

Do you think you might be ready to begin a claim with us? Or, would you like to find out more about the minimum settlement for whiplash? Here at Accident Claims UK, we have helped many people with many different types of personal injury claims in our many years of being in operation, and one type of claim we would be happy to help you with would be one for whiplash.

All of the advice that we provide regarding your minimum compensation payout for whiplash is free of charge. To speak to a friendly and experienced member of our team, all you need to do is give us a call on 0800 073 8801. We will be more than happy to go through your case with you and offer you free advice.

Alternatively, you can get in touch with us via email. Simply send your message to office@accidentclaims.co.uk. Or, you could opt for the Live Chat feature on the site or use our contact form. No matter which way you choose to get in touch and talk about a minimum whiplash claim, we will be delighted to assist you.

Whiplash compensation claims – FAQs On The Minimum Compensation Payout For Whiplash

What will determine where on the payout scale my personal injury compensation will fall? 

There are plenty of different factors that might mean your compensation differs from the average payout for whiplash. Your general damages will depend on how long your injuries have affected you and how much they’ve impacted your quality of life. Special damages will also affect your whiplash claim amount; if you’ve had to take any time off work or pay for medication or travel expenses, then this will be taken into consideration in your whiplash payout.

What is the fastest way to recover from whiplash?

When you’ve been injured in an accident, seeking compensation for whiplash is important, especially if you’ve taken time off work or incurred out-of-pocket expenses. But recovering from your injuries will be a high priority, too.

You should treat whiplash with painkillers and try to keep up your daily activities, even if you experience slight soreness. Although you may think that resting your neck for long periods will help, the opposite is actually true; it can hinder your recovery.

If your symptoms are still as bad after a few weeks, then you should let your GP know. They might refer you to a pain specialist or physiotherapist.

What is a simple way to recover from whiplash?

You should apply heat or cold to the neck for 15 minutes, every three hours.

Do you ever fully recover from whiplash?

If you don’t receive the correct treatment, then the effects of whiplash could linger.

What happens if you leave whiplash untreated?

The potential side effects could include stiffness, loss of motion, disc degeneration and the misalignment of the vertebrae.

Is walking good for whiplash?

Basic walking will help you to stay fit while you recover, but don’t exert any physical energy beyond that.

Is whiplash considered a serious injury?

This can be very serious depending on the impact of the injury on your neck and also its symptoms.

What part of the brain is damaged in whiplash?

The areas of the brain most affected is the prefrontal cortex, which contributes greatly towards maintaining attention.

Wouldn’t seeing my doctor provide enough evidence to get me the minimum compensation amount for whiplash?

Usually, when you make a personal injury claim for whiplash, you would have already gone seen your GP or sought treatment for your injury. You may be under the miss apprehension that this would be enough evidence to prove your injury claim. However, it may be wise to understand that this medical evidence would not be considered independent styles you would need to go and see an independent doctor who could verify your injuries examine you and write a medical report attesting to your injuries and your prognosis. This could then be submitted as medical evidence as part of your claim, and your compensation settlement could depend on this evidence.

It is also important that you submit evidence as to the costs incurred because of your whiplash injury. For example, you may need to take time off work. This means you could suffer loss of earnings. If you submit evidence to this effect, you could receive compensation. Speaking to one of our solicitors about your claim could give you further insight into how to get the maximum compensation for your case.

Would I need a local solicitor to claim the minimum compensation for whiplash?

No, you don’t have to choose a local solicitor to help you make your claim. You would be able to opt for solicitors based all across the UK, which means you could have a great deal more choice of who to use.

Essential Links Relating To The Minimum Compensation Payout For Whiplash

Whiplash Compensation Claims Calculator – Would you like to find out more about whiplash compensation you may receive? If so, our whiplash compensation claims calculator could assist with this.

Car Accident Claims – A lot of people could experience whiplash because of car accidents. If this has happened to you, this guide reveals everything you need to know.

How Long Do Whiplash Symptoms Last? – This guide will talk you through what to expect from your whiplash injury, from what the symptoms are to how long they might last.

Accidents In Public Places – If your whiplash injury happened due to an accident in a public place, this guide might be able to provide you with some useful assistance on whether you’re entitled to claim.

Whiplash Guidance From The NHS – You may find more assistance with dealing with a whiplash injury here.

Road Traffic Statistics – This shows details of injury statistics from incidents on UK roads for 2018.

NICE Guidelines For Whiplash – Here, you’ll find information on guidelines for physicians for whiplash injuries.

NHS- When To Visit An Urgent Treatment Centre– if you’ve been in an accident, this guide will help you work out if your injuries require a visit to a walk-in centre.

Thank you for reading our guide on the minimum compensation payout for whiplash.

Article by JJ (Jo)

Editor Honey