Uninsured loss recovery for fleets
I have a fleet client with about a hundred vehicles but they’re always getting into bumps, usually quite minor but every time they have to stump up for a £500.00 excess and some hire – seemingly about twice a month and that’s just not the non-fault claims.
Now with the benefit of no cost fleet management, frequently the other driver’s insurers will pay the excess and a credit hire company will provide a car or van just like yours at no cost -where their driver is not to blame – which can leave about £1000.00 of cashflow where it should be in your bank account!
If your driver or any employee/passenger is injured, first you want to ensure that they are fit to go back to work as soon as possible. Early treatment such as physiotherapy is usually the best option and in non-fault cases, this can often be provided at no cost to the person injured.
You probably imagine that any wages paid whilst they are off work can be reclaimed from the at-fault driver’s insurers. Not necessarily correct! To achieve this, you may need a change in the contract of employment to provide for it. Otherwise, at the time of the accident, seek legal advice as to how to recoup this cost.
If liability for the accident is disputed, you need a legal team who are expert in road traffic accidents and who may be able to negotiate a sensible settlement without the need for court proceedings.
You may have the benefit of legal expenses insurance but it is wise to find out who actually deals with your claim and whether they will hamper your choice of solicitor if it is necessary for one to be involved.
Accidents will always happen – so make sure you are minimising the costs.
If you need advice about your fleet, please e-mail me.
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