You shouldn’t have to choose
between giving in and going to court.
Arbitrium gives you and the other driver’s insurer the same assessment of who was to blame and what that means for your claim. You don’t need a solicitor, and you don’t have to accept anything.
Someone drove into your car. Then the real trouble starts.
A few weeks later, the letter arrives. It offers less than your bill, with a line saying some of it was supposedly your fault. You see it differently, but you’re not sure how to show it.
Arguing back takes time and words most people don’t have to hand. So it is tempting to take the offer without ever testing it.
For a claim this size, going to court often costs more than it wins you.
Claims under £10,000 go to the small claims track, where nobody gets their legal costs back. Win or lose, you pay your own way. A solicitor charging by the hour can easily cost more than the amount you’re arguing about, so for most people that road was never really open.
There’s no ombudsman for this either. The insurer you’re claiming against isn’t your insurer, so the Financial Ombudsman Service won’t take your case. That leaves letters back and forth and, in the end, a claim form.
Five steps to a settlement.
The other driver’s insurer invites you by link. It all happens in writing, and the assessment arrives minutes after the last word. You can do the whole thing from your phone.
Step 1
You describe what happened
In your own words, with simple questions to guide you. You don’t need legal knowledge or a solicitor.
Step 2
The insurer replies
They say which points they accept and which they dispute. You then have a week to respond, and they have a week for the last word.
Step 3
The evidence is matched
Anything the insurer disputes needs evidence. Anything they accept stands as you gave it. You upload your photos and documents directly, and the assessment takes them into account.
Step 4
You both get the same assessment
Who was to blame and what that means for your claim, with the reasons, sent to both of you at the same moment.
Step 5
You settle
You and the insurer each have three days to say yes or no to the figure. If you both say yes, it’s settled. If either says no, there are up to two rounds of offers.
Questions almost everyone asks.
What does it cost me?
Nothing. The insurer pays for the procedure, even if the two of you never agree.
Do I have to accept the assessment?
No. It isn’t binding on anyone. If you’d rather not accept it, you can still go to court.
Do I need a solicitor?
No, though you can use one if you like. Under £10,000 nobody gets their legal costs back from the other side, so on a claim this size a solicitor is often not worth it.
Who makes the assessment?
An AI model specialised in motor liability. It works from what both sides have written and the evidence each of you puts forward, and it gives the reasons for its assessment.
Is this legal advice?
No. It’s an assessment of where your claim stands, not advice on what to do about it.
Write to us.
If you’ve been invited and anything here is unclear, just let us know.
Email usor write to kontakt@arbitrium.legal