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Taxi Driver Insurance: What Happens If You’re In an Accident?

Taxi Driver Insurance: What Happens If You’re In an Accident?
December 29, 2017 OTTIS Blog
taxi driver insurance

We never like to think we’d be involved in a car crash. However, the likelihood is that one day we will, whether it’s our fault or not.

This is especially true of taxi drivers because they spend so much more time on the road than the average person.

When you consider that in 2015 there were over 6,296,000 car crashes across the US, it makes sense to prepare for the worst and get taxi driver insurance.

The consequences of losing your car can be disastrous. It’s not just an impracticality; it’s a loss of income.

Let’s dive into what happens after you’ve experienced a car crash.

Immediately After An Accident

Immediately after your crash you should do the following;

  • Speak to the other driver involved in the accident. Be sure to take down all their details including; their full name, telephone number, and registration plate.
  • Find someone nearby who saw the crash and ask them if they’ll be a witness should you have to call the police or your insurance company. If they agree, you’ll also need their full name and contact information.
  • Start making the necessary calls; call the police (if needed), then your car insurance provider, mechanic, etc.
  • You’ll need a quote for your car’s damage to give to your insurance company.

Adverse Consequences You Should Be Aware Of

If you’re an Uber driver, you’ll have to report the accident to them. Unfortunately, you may have your driving account immediately suspended.

This is usually because they don’t know the extent of your car’s damage — if your car hasn’t suffered much and is still safe to drive, be sure to contact Uber and tell them.

Send them pictures of your car to back up your claims. You should find that your account’s re-opened pretty quickly.

What If You’re the Victim of Hit and Run?

If it was a fellow taxi driver who was the perpetrator, you should file a complaint with your local council, the police, and if you know the overarching taxi company, contact them as well.

This will aid you in your insurance claim.

Sadly, some insurance providers won’t pay if the damage is under $1,000 — so be sure to read your insurance policy thoroughly before signing if you’re currently sourcing taxi insurance.

If you find you’re unable to claim from your own insurance provider, be prepared to hound the insurance company of your perpetrator — in these circumstances, it’ll be the only way to secure that much-needed check.

Would You Like More Information on Taxi Driver Insurance?

If you’d like some more information on taxi driver insurance, please feel free to contact us today, and one of our professional team will be more than happy to assist you.

You may also find our blog useful, especially our recent article; ‘What’s The Difference Between Taxi Car Insurance and Typical Car Insurance?’

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