Road accidents in the UK continue to be a significant concern, impacting individuals and communities across the nation. These accidents result in various injuries, ranging from minor to severe, and often lead to the need for personal injury compensation. Analysing data from recent years provides valuable insights into the frequency, severity, and trends of road accidents, as well as the corresponding compensation claims.


Frequency and Severity of Road Accidents

The statistics from the reported road casualties in Great Britain reveal important trends regarding the frequency and severity of road accidents. In the year ending June 2023, there were 73,050 reported car casualties, showing a slight decrease from the previous year’s 75,909. Motorcyclists experienced 16,867 accidents in 2023, down from 17,210 in 2022, while cyclists saw a decrease from 16,517 accidents in 2022 to 15,158 in 2023. However, pedestrian accidents slightly increased from 19,170 in 2022 to 19,235 in 2023.


Changes in Accident Rates Over Time

Examining the reported road casualty rates per billion vehicle miles by severity reveals fluctuations in accident rates over the years. Fatalities, measured at 5.5 per billion vehicle miles in 2018, decreased to 5.3 in 2019 and further to 5 in 2023. Similarly, the KSI (Killed or Seriously Injured) rates declined from 105 in 2013 to 88 in 2023, indicating positive progress in road safety measures. Additionally, casualty rates decreased from 600 in 2013 to 410 in 2023, reflecting ongoing efforts to mitigate accidents.


Compensation Trends and Legal Reforms

The Official Injury Claim (OIC) service, introduced as part of the Whiplash Reform Programme, has significantly impacted the process of seeking accident compensation. Implemented on May 31, 2021, the reforms raised the small claims track limit for personal injury claims from £1,000 to £5,000. Moreover, the Civil Liability Act (CLA) 2018 established fixed tariffs for whiplash claims and prohibited settling claims without medical evidence.


Utilizing the OIC Service for Compensation Claims

The OIC service, developed by the Motor Insurers’ Bureau (MIB) on behalf of the Ministry of Justice (MoJ), facilitates the claiming of compensation for various road traffic accident-related injuries valued at less than £5,000. This includes injuries such as whiplash, minor psychological trauma, and physical injuries sustained in accidents. Users can access the service to initiate claims and navigate the compensation process efficiently.


Analysis of Claims Data and Settlements

Data from the OIC service reveals significant trends in the volume of claims and settlements. Between April and June 2023, there were 66,741 claims submitted, with 26,997 settlements recorded during the same period. The average time from claim to settlement increased slightly to 251 days, indicating potential complexities in recent cases. Settlements per month have shown fluctuations, influenced by various factors such as claim complexity and external economic conditions.


Considerations for Exceptional Injuries and Circumstances

The Whiplash Injury Regulations 2021 allow for additional compensation of up to 20% in cases involving exceptional injuries or circumstances. Analysis of claims data indicates that a substantial number of claims include requests for such uplifts, reflecting the diverse nature of injuries and their impacts on claimants’ lives. This underscores the importance of considering individual circumstances when assessing compensation claims.


Liability Decisions and System Operation

Liability decisions play a crucial role in the compensation process, with most claims admitting liability in part or full by the at-fault compensator. However, disputes over causation and denial of liability remain challenges for some claimants. The Portal Support Centre helps users navigate the claims process, ensuring access to support and guidance.



Analysing road accident statistics and compensation trends provides valuable insights into the evolving landscape of road safety and personal injury claims in the UK. Despite efforts to improve road safety measures, road accidents remain a persistent concern, impacting individuals and communities nationwide. However, there is a notable correlation between the frequency and severity of road accidents and the number of compensation claims filed. Over recent years, there has been a fluctuation in the frequency and severity of road accidents, as evidenced by the reported road casualty rates. These trends highlight the ongoing challenges in ensuring road safety and preventing accidents.

Understanding the correlation between road accidents and compensation claims is essential for policymakers, road safety advocates, and individuals seeking redress for their injuries.



Official Injury Claim Org –

Gov UK –

MIB – Whiplash Reform Programme: