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I’ve made a car insurance claim but the other party hasn’t responded - what should I do? - Money Expert

You were involved in a road traffic collision you believe wasn’t your fault. You obtained the other driver’s insurance details and have filed a claim against their insurance to pay for damage to your vehicle and/or compensation for injuries you sustained, with the aid of your own insurance company and possibly a solicitor if the case is complex. But the other party’s insurer isn’t responding to the claim. What happens next?

Fortunately, there are legal guidelines, called pre-action protocols, in place to ensure insurers process claims within certain time periods and don’t leave victims waiting for payouts.

When you file a road traffic accident claim against an insurer, they receive a Claim Notification Form with all the details they need to fully investigate the incident and come to an opinion about their customer’s liability and the amount they’ll pay out.

Car insurance providers then have a maximum of 15 working days from receiving the Claim Notification Form to respond to these types of claims, saying whether they accept or reject liability, making a settlement offer, and if they reject their customer’s liability, evidence in support of that.

With personal injury claims, the insurer has three months and 21 days after receiving a letter of claim from your solicitor to respond.

If the defendant insurer doesn't abide by these timelines, you or your solicitor should apply to the courts to force the insurer to undertake the next steps. If a judge accepts that the opposing insurer isn’t following the protocols, the court may order them to either accept or deny liability or disclose relevant information and documents needed for the claim to progress. The insurer may then have to pay your legal costs for taking the issue to court.

*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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