So you do not have to choose
between giving in and going to court.
Arbitrium tells you and the other driver’s insurer the same thing, who carries how much of the blame and what that comes to in money. No solicitor needed, and you do not have to accept anything.
Somebody drove into your car. That is when the real trouble starts.
A few weeks later the letter arrives. There is a figure in it, smaller than your bill, and a sentence explaining why some of it was supposedly your fault. You know that is not right. You just cannot show it.
Arguing back takes time you do not have and words you were never taught. So most people take what they are offered, and quietly lose the difference.
For a claim this size, going to court costs more than it brings back.
Claims below ten thousand pounds go to the small claims track, and there nobody gets their legal costs back. Win or lose, you pay your own way. A solicitor who charges by the hour can easily cost more than the money you are arguing about, so for most people that road was never really open.
There is no ombudsman for this either. When you claim against the insurer of the person who hit you, that insurer is not your insurer, and the Financial Ombudsman Service will not take you on. Which leaves you writing letters to a company that has no reason to hurry.
How it goes, from start to finish.
It runs in writing and it takes days, not months. You can do all of it from your phone.
Step 1
You say what happened
In your own words, guided by simple questions. No legal knowledge needed and no solicitor.
Step 2
The insurer answers
They say which parts they accept and which they dispute, and why.
Step 3
You answer once more
Then they have the last word. Each side gets one round, and neither gets more.
Step 4
You both get the same figure
One number, with the reasons behind it, sent to both sides at the same moment.
If you both want to settle on the figure, you have three days and two rounds of offers to get there. If you do not, nothing is lost and you can still go to court.
In two minutes you can see what it looks like.
An invented accident, played all the way through.
The whole thing on an example
Click through it to the settlement. You play both sides.
See the exampleYour own case
Your case starts when the insurer opens it and sends you a link. You do not need a code of your own.
Questions almost everyone asks.
What does it cost me?
Nothing. The insurer pays for the procedure, and that stays true even if the two of you never agree.
Do I have to accept the figure?
No. It binds nobody. If you would rather not take it, the way to court is still open to you.
Do I need a solicitor?
No. You can bring one if you want to. Below ten thousand pounds nobody gets their legal costs back anyway, which is why so many people end up settling for less than they should.
Who decides the figure?
Nobody sits in the middle of this. Arbitrium works from what both sides have written and the evidence each of you names, and it shows you the reasons it relied on.
Is this legal advice?
No. It is an assessment of what your claim looks like, not advice about what you should do with it.
Write to us.
If something here is unclear, or your insurer has not heard of us yet, just say so.
Write to usor write to kontakt@arbitrium.legal