Reply to: Claiming for losses after car accident query

[vetran]

my worry was same that all work can be "deferred"...if you are a doctor/surgeon you can reschedule appointments to a later time. by deferring work from one day to any next week, means the work i could have done next week will not get done and thus still out of pocket! but deferring work is not an excuse to not pay for loss, what if it was a missed meeting with new client?

one assumes you haven't had unplanned bench time for a while?

By deferring it is lost opportunity time. you may be able to defer but you will then be unable to start work on another client and have therefore LOST that day. You may decide to take a day off between clients but on this day you were working.

Insurance companies are thieving scum.

[DimPrawn]

Don't forget to claim for one pair of soiled underpants caused during the distress of the accident.

Every little helps.

[BrilloPad]

I am LTD Co, only director & employee.

My car was off the road for 2 weeks due to car accident not my fault. I missed ½ days work plus been asked to leave early to collect my repaired car. Overall i feel loss of company income is almost full day.

Company said i need to submit letter from accountant for loss, plus maybe need to submit accounts, dividend summary etc.

Anyone else had experience of claiming losses for Ltd co? Is it worth it or just lots of hassle from insurers trying to understand Ltd co workers?

any feedback welcome

And you did not claim whiplash? You could have had 2 weeks free holiday.....

[d000hg]

its not just the issue of 1 days turnover for company; luckily accident happened at end of the week so my hire car came saturday morning. just mad eme think if it was midweek i would probably be car-less for 2days+...would be far too expensive to use a taxi to get to my clients.

But it wasn't mid-week and you didn't lose 2+ days. So count yourself lucky!

[MaryPoppins]

Come on, little bits of tulip happen and it's best just to get on with it and be glad it wasn't a big pile of tulip that happened.

WHS. Get a grip.

[MyUserName]

Don't forget the whiplash claim, and a letter from your ballet instructor stating your possible shining career is now in jeopardy.

Why would his ballet instructor care whether his career as a car polisher is in jeopardy?

[DimPrawn]

Don't forget the whiplash claim, and a letter from your ballet instructor stating your possible shining career is now in jeopardy.

[psychocandy]

Indeed, lots of hassle which will cost hours and money, for what? One day?

Come on, little bits of tulip happen and it's best just to get on with it and be glad it wasn't a big pile of tulip that happened.

Depends if you've got spare time on the bench after the contract. Spend a few hours chasing an extra day from insurance company surely?

[MadDawg]

..would be far too expensive to use a taxi to get to my clients.

You'd have no problem at all claiming for a hire car (or taxi if reasonable).

[TheFaQQer]

This may be the killer.

If the contract has a definite end date, then it's fairly straightforward to argue that the day could not be done at a later date.

[diesel]

^ This

Get the accountant to write you a letter that states you have a 60 day contract from date A to final Date B giving the contract a net worth of XXXX. This idiots actions prevented you from taking X days of that money due to handling this claim and the crash.

It is not deferrable to the end of the contract and as such is lost income then send them a bill for those days + the disbursements that your accountant will ask for in order to write the letter. Make a point that failure to pay will involve you employing a claims handling company and getting legal then wait for the cheque.

my accountant said they would include whatever i draft on a letter. not sure if they would charge much extra just for a letter head.

my worry was same that all work can be "deferred"...if you are a doctor/surgeon you can reschedule appointments to a later time. by deferring work from one day to any next week, means the work i could have done next week will not get done and thus still out of pocket! but deferring work is not an excuse to not pay for loss, what if it was a missed meeting with new client?

its not just the issue of 1 days turnover for company; luckily accident happened at end of the week so my hire car came saturday morning. just mad eme think if it was midweek i would probably be car-less for 2days+...would be far too expensive to use a taxi to get to my clients. i dont want to issue my client contracts to the insurer and doubt my client will want to get involved by sending emails/letters of contract etc...

[MadDawg]

Indeed, lots of hassle which will cost hours and money, for what? One day?

Come on, little bits of tulip happen and it's best just to get on with it and be glad it wasn't a big pile of tulip that happened.

WHS

[bobspud]

But how many contracts would allow you to take a day off in the middle and then they'd add a day onto the end?

^ This

Get the accountant to write you a letter that states you have a 60 day contract from date A to final Date B giving the contract a net worth of XXXX. This idiots actions prevented you from taking X days of that money due to handling this claim and the crash.

It is not deferrable to the end of the contract and as such is lost income then send them a bill for those days + the disbursements that your accountant will ask for in order to write the letter. Make a point that failure to pay will involve you employing a claims handling company and getting legal then wait for the cheque.

[MadDawg]

But how many contracts would allow you to take a day off in the middle and then they'd add a day onto the end?

Most would allow you to make up the two half lost days by working early/late or a weekend day. If they didn't I'd be worried about D&C.

[Mich the Tester]

Flippin heck. Lots of hassle for that.

Indeed, lots of hassle which will cost hours and money, for what? One day?

Come on, little bits of tulip happen and it's best just to get on with it and be glad it wasn't a big pile of tulip that happened.