A road traffic collision can change someone’s life in an instant. For those who suffer serious injuries — or for families who lose a loved one — the aftermath can be overwhelming. Alongside the physical and emotional trauma, victims are often left facing financial worries, complex legal processes, and uncertainty about what support is available.
A recent report from the Victims’ Commissioner has highlighted a worrying issue: many road traffic collision victims are not being told that they may be entitled to compensation or that they can seek legal advice to help them pursue a claim.
Many victims are unaware of their right to compensation
The report, Forgotten Victims: Barriers to Justice Following a Road Traffic Collision, found that too many people affected by serious collisions are missing out on vital information about compensation.
Some victims only discovered that compensation was an option because they personally knew a solicitor, while others were informed by a family liaison officer. However, many were never provided with clear guidance about the process.
This lack of information can leave victims feeling isolated and unsure about what steps they can take after an already traumatic experience.
Under the Victims’ Code, those affected by crime — including victims of certain road traffic offences — have the right to receive information about compensation and how to make a claim. However, the report highlights that this information is not always reaching the people who need it most.
The challenges of making a compensation claim
For those who do pursue compensation, the journey can be lengthy and stressful. Victims reported facing:
- complicated paperwork and evidence gathering;
- having to revisit traumatic events;
- delays within the legal process;
- concerns about the cost of bringing a claim.
Some people admitted accepting early settlement offers from insurers because they felt pressured by the expense, stress, or desire to move on. Unfortunately, settling too soon can sometimes mean accepting less compensation than may have been available.
Having the right legal support can make a significant difference. A specialist solicitor can help ensure that victims understand their rights, properly value their claim, and are not disadvantaged during negotiations with insurers.
Why ATE Insurance is an important part of protecting victims
One of the biggest concerns for many people considering a compensation claim is the fear of legal costs. After suffering an injury, the last thing someone should have to worry about is whether pursuing justice could leave them facing unexpected expenses.
This is where After The Event (ATE) Insurance can provide valuable protection.
ATE Insurance is designed to cover certain legal costs and expenses if a claim is unsuccessful. It gives claimants greater confidence that they can pursue a legitimate claim without the worry of being left with significant costs if things do not go as expected.
For many road traffic collision victims, ATE Insurance forms an important part of a wider “no win, no fee” arrangement. It helps remove financial barriers and ensures that access to justice is not limited only to those who can afford to take the risk.
A more supportive approach is needed
Victims’ Commissioner Claire Waxman highlighted that where victims receive specialist support and clear information, the difference can be significant. A compassionate approach helps people understand their options and feel more prepared for the road ahead.
Every road traffic collision victim deserves to know what support is available to them. Providing clear information about compensation, access to experienced legal advice, and protection such as ATE Insurance can help ensure that victims are not left facing the aftermath alone.
At Box Legal we specialise in ATE Insurance for RTA claims. To find out more about our services, contact us today.
