What Is a Road Traffic Accident Claim?

A road traffic accident (RTA) claim allows anyone who has been injured on the road to seek compensation from the person or party responsible. In Scotland, RTA claims are among the most common type of personal injury claim, reflecting the volume of traffic on Scotland's road network.

Whether you were driving a car, riding a motorcycle, cycling, walking, or travelling as a passenger in any type of vehicle, you may have a valid claim if someone else's negligence caused your injuries. The claim is made against the at-fault party's motor insurance, so you are not personally suing an individual.

Scotland's road network includes busy urban motorways like the M8 and M74, dangerous rural roads like the A9, and countless local roads with their own hazards. Each type of road presents different accident risks, but the right to claim compensation applies regardless of where the accident occurred.

Who Can Make an RTA Claim?

Any road user who was injured through no fault of their own can make a claim. This includes:

• Car drivers — hit by another driver who was at fault
• Passengers — in any vehicle, regardless of which driver was at fault
• Motorcyclists — particularly vulnerable road users who often suffer serious injuries
• Cyclists — hit by vehicles or injured due to poor road conditions
• Pedestrians — struck by a vehicle while walking or crossing the road
• Bus and coach passengers — injured during travel on public transport
• Taxi and private hire passengers — injured in a taxi or Uber accident

Even if you were partially at fault for the accident, you may still be able to claim under the principle of contributory negligence. Your compensation would be reduced proportionally, but you could still receive a significant award.

Types of Road Traffic Accident Claims

We handle every type of road traffic accident claim. Click any category below for detailed guidance specific to your situation:

The RTA Claims Process in Scotland

The process for making a road traffic accident claim in Scotland follows a well-established procedure:

1. Seek medical attention. Your health comes first. See a doctor as soon as possible after the accident, even for apparently minor injuries.
2. Gather evidence. If possible, take photos of the scene, get witness details, and note the other driver's registration and insurance details. Use our after-accident checklist.
3. Contact a solicitor. Get a free case assessment. Your solicitor will advise on the strength of your claim and the likely compensation.
4. Sign a No Win No Fee agreement. No upfront costs — learn more about how this works.
5. Medical examination. An independent expert assesses your injuries and provides a report.
6. Claim submission and negotiation. Your solicitor submits the claim to the at-fault party's insurer and negotiates a fair settlement.
7. Settlement. Once agreed, your compensation is paid. Most straightforward claims settle within 6–12 months.

Compensation for Road Traffic Accidents

The amount of compensation you receive depends on the severity of your injuries and any financial losses you have suffered. Here are typical ranges:

Use our compensation calculator for an instant estimate.

Time Limit for RTA Claims in Scotland

You have three years from the date of the accident to make a road traffic accident claim in Scotland. This is set out in the Prescription and Limitation (Scotland) Act 1973. Do not delay — evidence is stronger and witnesses' memories are clearer when you act promptly.

Read our full guide to time limits.

RTA Claims Across Scotland

We help with road traffic accident claims across every part of Scotland:

Frequently Asked Questions