Un-insured loss and out of pocket expenses

Quentin

In the case of a request to see a tax return to substantiate loss of pay any court would uphold the claimant's objection.

A tax return doesn't contain any information showing rates of pay!

sarahg1969

Of course it's not against DP legislation. If the insurers think it will assist them to properly assess the claim, then it's a perfectly reasonable request.

And if you want them to pay you as quicky as possible, I can see no reason why you can't send it to them.

Quentin

Equally the claimant can refuse on the grounds of confidentiality.

And should, for example, the tax return show the claimant made a loss during the year, how will that assist the insurance company in any way?

mrsthrifty_2

I am in the process of filling out my sons questionaire for expenses for his solicitor.

from the form I quote

Loss of Earnings

Supply dates and reasons unable to work and provide

Pay slips for 3 months prior to the accident or supply Employers details for us to contact.

If self employed we will need 3 years profit and loss accounts or 3 years self assessment tax returns or your accountants details

you arnt asking for a fortune with 2 and a half days loss, would it really be beneficial to you to take it to small claims bearing the costs involved.
beware as well, filling out and submitting your initial fee with the claim form, if it is excepted by small claims for a hearing you then have a further charge for the court hearing on the day

Quentin

The op has already supplied his accountants details.

Insurers generally seem to make life difficult when third party's claim directly from them, and often stall paying for miscellaneous out of pocket expenses, presumably in the hope the third party will be so "grateful" they have paid up for the repairs necessary due to their own client's negligent driving they will drop their claim for all their other expenses.

geri1965_2

Quentin wrote: »

Insurers generally seem to make life difficult when third party's claim directly from them, and often stall paying for miscellaneous out of pocket expenses, presumably in the hope the third party will be so "grateful" they have paid up for the repairs necessary due to their own client's negligent driving they will drop their claim for all their other expenses.

Some, maybe. If I think a claimant is genuine I often bend over backwards to help them - but there are too many people who grossly exaggerate their claims and it's donwright fraud. Taxi drivers are the worst for this, in my experience.

chrispcnc

Hello to all . As the person whom posted original Q.

Having read all answers...please note following comments..

A tax return contains profit and loss a/c for 12 months. It shows drawings ie Wages. If the drawings are £52,000 divided by 52 = £1000. per week If that was your wages per week would you be prepared to post to Churchill in Leeds . If a bloke in a pub asked to see your wage slip would you show it . probably not " personnel info"

Any infomation regarding anyones income is data protected ... Try ringing the Inland revenue and ask for a copy of your mates wages......

INSURE YOUR CAR WITH CHURCHILL ! NO CHANCE.. I'd like to kick that dog straight up the A***.

Thanks for all the opinions folks..

mattymoo

Chris - you are totally missing the point. To sue a person you have to prove 3 things - 1, they owed you a duty of care, 2, they failed in that duty through negligence and 3, that you suffered a loss as a result.

1 and 2 are straightforward. 3 - you have to prove your loss. If you were PAYE you would need to provide wage slips and P60. If you're self employed you provide profit and loss accounts or tax returns. Quicker you provide it and stop relying on wishy washy data protection guff, the quicker you get paid.

geri1965_2

The information is subject to data protection - but they are asking for you to send information about yourself to them, so there are no data protection issues. If someone asks you your name in a pub, do you refuse to tell them?

SolicitorMidlands

What is the problem with showing your tax return? You have to prove your loss. You have no chance without that. Your accountant could be anyone for all they know.

I do not think a small claim will succeed without you being prepared to disclose your tax records. It is not in breach of data protection.