Loss of earnings following car accident

Monarchnew

Hi everyone, i'd appreciate some guidance if possible please.

Back in May 2012 I had a car accident; I ran into the back of a taxi. Obviously all my fault, everything went through insurance and my car was repaired. All was over with, or so I thought.

Yesterday I received a letter from the county court with a claim form stating that the gentleman I had the accident with was claiming for loss of earnings. A total of £3313.

I have called my insurance and it seems they hadn't received any information about this and have taken all the details to pass onto their litigation dept. They have told me not to worry about it and they will deal with it.

I am still slightly concerned by the fact it seems that the taxi driver hasn't gone through his insurance to claim this and has instead done it personally between him and me. Is this normal??

Will my insurance still deal with this if this is the case?? And will my insurance pay for this loss of earnings?

Thanks in advance for any help.

Quentin

Yes this is normal. The negligent party pays all the innocent party's costs.

Your insurer will deal with all this on your behalf.

But you cannot claim loss of earnings!

InsideInsurance

It is an uninsured loss and therefore cannot be claimed from his insurance.

As your insurers say, pass it to them and they will deal with it all for you

terrylamps

Don't worry. Your insurance will investigate and if a payout for loss of earnings is due to him they will pay it.

chanz4

were in the wrong trade if getting that money

InsideInsurance

chanz4 wrote: »

were in the wrong trade if getting that money

Really? £3,313 over an unspecified period of time? Could be a claim for 6 months for all we know (plus people always over claim and taxis are the worst for it - all also turn out to only have been doing it for less than 18 months so no tax returns etc to vouch for claimed earnings)

chanz4

InsideInsurance wrote: »

Really? £3,313 over an unspecified period of time? Could be a claim for 6 months for all we know (plus people always over claim and taxis are the worst for it - all also turn out to only have been doing it for less than 18 months so no tax returns etc to vouch for claimed earnings)

I can imagine, or cooked books

sarahg1969

In my experience when a taxi driver is claiming loss of earnnings, he works 80 hours a week. If it's a claim for a hire car, they have to get one on credit because they're too poor to pay for their repairs or a new car, because they only work 16 hours (which will now go up to 24 hours with the new tax credit rules in place).

dacouch

sarahg1969 wrote: »

In my experience when a taxi driver is claiming loss of earnnings, he works 80 hours a week. If it's a claim for a hire car, they have to get one on credit because they're too poor to pay for their repairs or a new car, because they only work 16 hours (which will now go up to 24 hours with the new tax credit rules in place).

Unofficially and officially...

InsideInsurance

sarahg1969 wrote: »

In my experience when a taxi driver is claiming loss of earnnings, he works 80 hours a week.

Ahh, you were evidently only dealing with the part timers.

crazyllama

!! standard practice as far as taxi drivers are concerned.. however you do tend to find that when your insurance company ask for evidence from him in respect of his earnings.. such as 3 years tax returns etc etc...

he will suddenly be not bothered about his supposed "9k loss"