Find what you need.
Start where you are.
ClaimTalk covers the full OIC claims process — from before you've started to after an offer arrives. Here's how to find the right part for your situation.
Start with the Checker to find out whether your situation is likely to fall under the OIC portal, then read the Stage Guidance and Timeline to understand what the process involves before you begin.
The Timeline shows official OIC deadlines alongside real-world averages at each stage. The Stage Guidance explains what's happening during the waiting period and what to expect next.
The Offers & Negotiation page explains how the tariff works, what a counter-offer involves and the single most important question to answer before accepting anything. The Tariff Reference shows you the figures.
Liability denied. Insurer silent. Offer feels wrong. Medical report approved too early. The "Something's Wrong" page covers six common situations — what's happening and what the process allows at each point.
Everything on
ClaimTalk
Every page, and what it's for.
Seven questions that tell you whether you may be able to bring a claim and which process is likely to apply.
Open →Choose your current stage — starting, waiting, medical, or offer — and get a clear picture of what's happening and what comes next.
Open →Official OIC timescales and real-world averages from accident to settlement — so you know what is normal at every point.
Open →How the tariff works, how to respond to a first offer, what a counter-offer involves, and when it's too early to settle.
Open →The government-set figures for whiplash and soft tissue injuries by type and prognosis period — with context on what's not included.
Open →What you are genuinely entitled to at each stage — and the system patterns worth understanding before you make any decisions.
Open →Enter your accident date to see your three-year deadline and exactly how much time remains.
Open →Plain answers to the questions claimants actually ask — organised by stage and searchable.
Open →Every term you'll encounter in the OIC process — explained in plain English without the jargon.
Open →Six common situations where claims stall or feel unfair — liability denied, insurer silent, offer too low, and more.
Open →What ClaimTalk is — and isn't
ClaimTalk provides general guidance only. It does not offer legal advice, act as a representative, or have any financial interest in your claim. It is not affiliated with the Official Injury Claim portal, any insurer, or any government body. The guidance reflects fourteen years of experience working inside the claims industry — written for the person the system was never designed to help.
ClaimTalk provides general guidance only. Not legal advice. Not affiliated with the Official Injury Claim portal or any government body.