Introduction

If you've been injured in a road traffic accident, one of the most common questions people ask is:

"How long do I have to make a claim?"

As a personal injury solicitor based in Bolton and serving clients across Wigan, Stockport, Oldham and Greater Manchester, I get asked this all the time — and the answer is important.

The Standard Time Limit: 3 Years

In most road traffic accident claims, you have three years from the date of the accident to start a claim.

This is known as the limitation period. After this time, your claim may be "time-barred" — which means you lose your legal right to compensation.

Exceptions to the Rule

There are a few important exceptions where the time limit is different:

✅ Children (Under 18)

• The three-year clock doesn’t start ticking until their 18th birthday

• A parent or guardian can still bring a claim before they turn 18 as their Litigation Friend

✅ Mental Capacity

• If someone lacks mental capacity to manage their own legal affairs, the three-year limit does not apply unless they regain capacity

✅ Hit-and-Run or Uninsured Drivers

• These can still be claimed through the Motor Insurers’ Bureau (MIB)

• Time limits can still apply, so it's best to get legal advice quickly

Why You Shouldn't Wait

Even though you technically have three years, the sooner you act, the better:

• Witnesses are easier to contact

• Evidence like dashcam footage or CCTV is more likely to be available

• Your recovery and treatment can be properly documented from the start

Free Advice from a Solicitor Who's Been There

I’m Chris Hutchinson, founder of Inson Legal Limited.

I’ve handled hundreds of road traffic accident claims — and I’ve been through serious injury myself.

That personal experience means I understand what you're going through and what kind of support you need — legally, practically, and emotionally.

No Win No Fee Claims – Same Day Support

✅ Road traffic accident?
✅ Car, motorbike, passenger, or pedestrian?
✅ Need a courtesy car the same day? I can help.

Need to Check If You’re Still In Time?

Call me directly on 01204 263147 or email mail@insonlegal.co.uk for free, no-obligation legal advice.