If the at-fault party has no insurance, you may still be able to claim compensation through government schemes or by taking legal action directly against the individual, though this can be complex and may require specialist advice.

Typically, you have three years from the date of the injury or from when you became aware of it to file a claim. Missing this deadline usually means you lose the right to compensation.

Yes, claims can include compensation for psychological injuries such as PTSD or anxiety, provided you can show these conditions were caused or worsened by the incident in question.

Generally, making a personal injury claim should not affect your insurance premiums, but it’s wise to check with your insurance provider, as some policies might consider claims when setting rates.