Not sure what's
happening with
your claim?
ClaimTalk explains the personal injury claims process in plain English — so you understand what's happening before you make any decision within it.
Free to use · No leads sold · Not a law firm
Select your current stage
Where are you in the process right now?
What most claimants
find out too late.
Most people go through this once. These are the things the system doesn't explain upfront.
You are not obliged to accept the first offer.
The portal has a built-in counter-offer mechanism. Negotiation is the expected process — not a disruption of it.
Silence after submission is normal.
Insurers have 30 working days to respond. Most claimants interpret silence as a problem. It is the process working as designed.
Your medical report can only be challenged before you approve it.
Once submitted, the prognosis is fixed. That report determines the value of your entire claim — read it before signing.
The limitation period is three years. But the process takes months.
The deadline applies to beginning proceedings — not to resolution. Leaving it late reduces your options significantly.
Where do you need
clarity right now?
Things the process
doesn't explain clearly.
The claims process is designed to be navigated, not simply followed. Most claimants don't know these things.
Early settlement pressure is common.
Some insurers make early offers before medical evidence is gathered. You are never obliged to accept. Accepting early may close your claim for less than the evidence supports.
Your medical report is yours to review before it is submitted.
Errors in symptoms or prognosis directly reduce your settlement. The review window before approval is the only point at which factual concerns can be raised.
Silence doesn't mean something has gone wrong.
Long periods without communication are completely normal during the liability and negotiation phases. Understanding the official timescales matters.
The tariff is a starting point — not the whole claim.
Financial losses from the accident — travel, lost earnings, treatment costs — can be added on top of the injury tariff and are assessed separately.
Problems with your claim?
Liability denied. Insurer gone quiet. Offer feels low. Medical report approved too quickly. These situations are more common than you think — and most have a clear explanation.
Most claimants accept the first offer without knowing they can negotiate.
ClaimTalk exists to change that.
Medical reports are approved without being read. Deadlines pass whether you understood them or not. That is the information gap ClaimTalk exists to close.
Built on over fourteen years working inside personal injury claims. About ClaimTalk →
Last reviewed: 11 April 2026
ClaimTalk provides general guidance only. Not legal advice. Not affiliated with the Official Injury Claim portal or any government body.
ClaimTalk cannot respond to questions about individual claims. If you need advice specific to your situation, a regulated solicitor is the appropriate route.