Irish Taxi Forum
Public Area => Taxi Talk => Topic started by: Zdenko70 on January 12, 2020, 02:57:46 pm
-
Hi everyone
Looking for some information and advice.
Was involved in car accident a few days before the new year's eve. Was not my fault, another taxi driver hit me from behind. Reported to the guards and insurance company, clame is open, car has been damaged from behind and not usable for work. I was renting so the company that I rented from will give me another car but has to get nct and suitability done first, so it will take another few days. Now question is how much insurance companies recognize for lost of earnings per day. I am 2 weeks of work now. Any advice appreciated.
-
How long are you driving a taxi?
-
90 euro per day for about 14 days Provided that loss of earnings is included in your cover .If you are on the renters Insurance policy you probably get Fuck All .
-
since 2016
Sent from my SM-J730F using Tapatalk
-
I am only driver included on the policy.
Sent from my SM-J730F using Tapatalk
-
It is cover by my policy but I am making clame from his policy.
Sent from my SM-J730F using Tapatalk
-
They usually pay up to 14 days as they think you can get repaired in that time .
-
Thanks John m, the car is gonna be written off as the ramp for wheelchair is damaged, due the holiday season couldn't get it assesed until last Monday 6 of January, getting replacement car tomorrow but has to be nct and suitability needed on it, it will take few more days.
Sent from my SM-J730F using Tapatalk
-
I dont think its 90 per day,I think its 75'i cant understand why your renting from a company where the NCT and suitability tests have to be done.why dont you rent from a company that has a car ready to go ?
-
DM's point is a good one. Regardless of who was to blame it is incumbent on you to take all reasonable steps to minimise the financial impact. If you were not injured there's no reason you couldn't have organised a temporary rental to use until your permanent one is available. If it cost a bit more than your regular deal you would be entitled to claim the difference. However, you should probably just submit the €90/day claim. Do so in writing stating that you understand this to be the rate applied by the main insurance firms. Keep the letter short and sweet, don't mention renting or ramble on about anything else. Chances are, in the absence of a personal injuries claim - if that is the case - the TPs insurer will be anxious to settle quick and without too much debate.
-
Thanks everyone for your suggestions and advice.
Sent from my SM-J730F using Tapatalk
-
But if you could prove with app work you were covering 150/200 a day surely the daily rate they offer you is irrelevant.
When I had a bike accident years ago I got my wages in full for two months after a bit of arguing.You don't have to accept the first offer they give you AFAIK.Why should you be out of pocket that's what insurance is for.
-
Insurance companys are crooks.a few years ago I had an accident where an insured driver ran into the back of me.he done a runner,but somebody went after him and got his reg.after some time,the claim was settled by the MIBI upon receipt of the garda report.here is the laughable part.even though it was not my fault,allienz refused to quote me upon renewal because my insurance had ro pay out some money in respect od my claim
-
€90 is the standard figure they have used for years.
If you earn more and can prove it, paper work, bank statements, app statements etc etc you could push for more but remember that you will also have to take maintenance, fuel, wear and tear, freight, insurance costs, and all other associated expenses out of the figure you claim you are earning, IE, if you can prove 200 a day through an app, you pay 12% commission, probably €10 on fuel, 13.69 a day for insurance(based on you being a renter and paying 5K) wear and tear on car, tax liability on that figure you claim etc etc
-
Ok. Again thanks to everyone for your comments and advice. You all are very helpful. Now I have a better picture how it works. Hope to be on the road in a few days again. Wish you all the best, and safe driving.
Sent from my SM-J730F using Tapatalk
-
Ok. Again thanks to everyone for your comments and advice. You all are very helpful. Now I have a better picture how it works. Hope to be on the road in a few days again. Wish you all the best, and safe driving.
Sent from my SM-J730F using Tapatalk
You're welcome, go now but don't be a stranger.
-
I dont think its 90 per day,I think its 75'i cant understand why your renting from a company where the NCT and suitability tests have to be done.why dont you rent from a company that has a car ready to go ?
To answer that, maybe he owns the vehicle but rents the plate so is getting another of his own vehicles on the road, hence the NCT and Suitability.
-
Ok. Again thanks to everyone for your comments and advice. You all are very helpful. Now I have a better picture how it works. Hope to be on the road in a few days again. Wish you all the best, and safe driving.
Sent from my SM-J730F using Tapatalk
You're welcome, go now but don't be a stranger.
Yeah don’t be a stranger, say hello every so often, we won’t bite
-
No worries lads, will stay in touch. Thanks again
Sent from my SM-J730F using Tapatalk
-
Insurance will have a peep at your tax returns, so if'n your claiming fer 90 a day then make sure your tax returns can back that up.
-
But vikkiz I thought in the case of renting,that the renter had to own the car,the plate,and provide the insurance ?
-
But vikkiz I thought in the case of renting,that the renter had to own the car,the plate,and provide the insurance ?
You are right DM, but there are ways around it, if'n the plate only renter signs his car over to the person renting the plate and the person renting the plate takes out insurance with the renter as a named driver, that is the usual way they go, and the person renting the plate gets about 50 a week fer doing F all, except filling out a few forms.
-
Insurance will have a peep at your tax returns, so if'n your claiming fer 90 a day then make sure your tax returns can back that up.
Only if you want more than the €90/day and, even then, a letter from your accountant should suffice. If you just want the €90 write a letter yourself - can be addressed to your solicitor if you are using one - stating that you understand this to be the rate applied by the main insurance firms.
-
I was offered €70, sent in my accounts, which allowed for more than the €90 which they subsequently paid. "You could have rented a car" as I had not opted to make a personal injury claim.
-
My insurance offered to pay for a rental,buti had to go to a particular company to do so.I cant remember who it was.they also insisted I go to ace repairs on richmond road to have my car repaired ,they subsequently made a bollox of it
-
I don't think they are allowed make you use their repairer.... there's an ad on the wireless that says as much.
-
Yes I know,but they made it clear if I did not use that repairer,I would be given the use of a courtesy car
-
After an accident in 2010 which was paid out in 2014 I was paid €75 per day on advice from TTnH.
-
I suppose you can't really claim more than your tax return says.Same goes for mortgage applications.They'll only lend you money based on your returns not what you might earn.
-
I did... claim more than my tax return suggested I earn, that is.
Here's the letter I sent my solicitor, word for word. I got paid in full.
Re. Loss of Earnings (RTA 30 March 2014)
Dear Nuala,
I confirm that I suffered complete loss of earnings for a period of 17 days as a result of the incident referred to. The insurance industry use a standard rate to assess loss of earnings for taxi drivers which I believe is €90/day. At that rate the loss suffered equates to €1530.
Yours sincerely,
__________________
STEPHEN O’CONNELL
-
But then, I got a mortgage with nothing more than a letter signed by Tommy Gorman which said I earned IR£65,000 per year and had satisfied taxation liabilities of €6,xxx for the previous year.
All complete bollox, of course. In fact I think anybody coulda walked into NTDUs office and walked away with a licence to borrow as much as they wanted - within reason. I don't recall him asking who's plate I was renting or anything like that... in fact he didn't even ask for the sub, I talked myself out of that 120 (I think) notes. Times were much simpler back then!
-
Fair play.Always remember their job in insurance is to pay you as little as possible lads.
When I was borrowing three years ago the bank didn't care what I could make even though I tripled my workload for a few months they only wanted to go by three years returns.
-
Indeed... we learnt them! In fact, Credit Unions are even asking for tax returns for car loans these days, something to do with Central Bank rules.
-
I borrow regularity from the eircom credit union ,and what your saying is correct.they always look for bank statements ,form 11and tax returns.they are asking me on a almost daily basis to borrow for a new car,but my situation is somewhat changed now,so I dont know if I will take up the offer or not
-
I borrow regularity from the eircom credit union ,and what your saying is correct.they always look for bank statements ,form 11and tax returns.they are asking me on a almost daily basis to borrow for a new car,but my situation is somewhat changed now,so I dont know if I will take up the offer or not
You should do as if you croak it, the loan dies with you lol
-
I borrow regularity from the eircom credit union ,and what your saying is correct.they always look for bank statements ,form 11and tax returns.they are asking me on a almost daily basis to borrow for a new car,but my situation is somewhat changed now,so I dont know if I will take up the offer or not
You should do as if you croak it, the loan dies with you lol
And they treble your shares....so your family can have a whopper holiday.
-
Do they still do that? No brainer if they do...
-
Credit union is expensive money .12% interest on all the loan even though your own shares make up part of the loan .
-
I agree.I think credit unions are a lot more expensive then banks.also unlike their past history,if a member got into trouble ,there was some flexibility,but in the last few years they have become much moore business like .I think they were looking for a banking licence as well
-
I agree.I think credit unions are a lot more expensive then banks.also unlike their past history,if a member got into trouble ,there was some flexibility,but in the last few years they have become much moore business like .I think they were looking for a banking licence as well
So don't use them, save in advance and buy fer cash when you have the funds saved.
As me ol Da used to say; "Pay as you go, if you can't pay, then don't go !"
-
Credit union is expensive money .12% interest on all the loan even though your own shares make up part of the loan .
My CU is only 8.9%.
It’s easier to get a loan from the credit union than from a bank.
Also the interest decreases as you pay off the loan, unlike a bank.
And you can blame the guards for CUs going the way they did.
-
Don't be bring Tommy Gorman into this...he was just a facilitator (for pension funds)...allegedly
-
Tommy was (and still is, I think) a good man. Himself and Usher knew their business inside out... not like the halfwitted morons getting in front of cameras and microphones these days.
-
Tommy was (and still is, I think) a good man. Himself and Usher knew their business inside out... not like the halfwitted morons getting in front of cameras and microphones these days.
Back in the day unions were very closely linked to Berties Drumcondra mafia, even going so far as sporting election paraphernalia on their vehicles.
Apart from several pensions for himself- allegedly-and Shares in a failing cab company , what did the average driver get out of that poisoned liaison?
-
Kept the trade regulated for 22 years.
Bertie's forum almost kept the trade regulated for a bit longer.
Kept income tax bills for drivers close to zero.
Got Mortgages for drivers with income tax bills close to zero.
Got the State Pension for drivers.
etc...
-
Kept the trade regulated for 22 years.
Bertie's forum almost kept the trade regulated for a bit longer.
Kept income tax bills for drivers close to zero.
Got Mortgages for drivers with income tax bills close to zero.
Got the State Pension for drivers.
etc...
I meant part from cosies getting the scratcher .
-
That is apart from cosies getting the scratcher, that was part of the etc...
-
The Mulleneseses had 3 drivers per London cab, no questions asked.
Dems were days Jem!
-
Ebbs had 2 and 3 man Jap Import Corrollas with Blue Cabs before he bought City. Now he's using Jap Import Priuseyeses... full circle, almost.
-
Dont agree with ya about tommy Gorman rat,although you'd know more about him then I would,I seen him on prime time one night years ago,with kathleen doyle on one of the very few occasions she agreed to appear on tv to argue the case for the NTA .she absolutely tied him up in fukkin knots.she completely leveled him
-
Yeah but she was a mean and nasty lady. Remember how she brought in the 9 year rule because we (drivers' unions) wanted rid of them blacks who were all driving clapped out shiteboxes... although, to be fair, she did rescind it in part when we (drivers' unions) realised a lot of white Irish by accident of birth lads were also driving clapped out shiteboxes.
-
Ebbs had 2 and 3 man Jap Import Corrollas with Blue Cabs before he bought City. Now he's using Jap Import Priuseyeses... full circle, almost.
Same reg plates allegedly.
-
No, that was another lad, name escapes me ATM. There were a few similar fleets with Blues but Ebbs were all legit...to paraphrase the man himself, why get involved in that shit when there's plenty of money to be made legally. A few of the plates he used were owned by Gardai.
-
Tommy was (and still is, I think) a good man. Himself and Usher knew their business inside out... not like the halfwitted morons getting in front of cameras and microphones these days.
I always found him a gentleman ....dun me books for me ....and very professional and no eejit ....was he a union man ?
Course yur always going get stick wen you be a union representative...you can please some of the people some of the time but you cant please .....an all that....
Anyway shudnt be talkin bout people behind ther back except fianna gowl verooka.........anyone want to take bets he be decimated in the election an go into hiding after? Probably retire in lesbos drinking cocktails laughing at the country he sold to foreigners
-
No, that was another lad, name escapes me ATM. There were a few similar fleets with Blues but Ebbs were all legit...to paraphrase the man himself, why get involved in that shit when there's plenty of money to be made legally. A few of the plates he used were owned by Gardai.
There were several blue Mercedes-Benz with the same reg, operating Northside/ Southside and never the twain shall meet.
Until one broke down in the Fiendish Park and a Mercedes came to the rescue...with identical plates.
An eagle eyed Cop allegedly, noticed the faux passenger and brought a certain gent in for questioning .
His name doesn't spring to mind, but I'm told it definitely wasn't Twiggy.
Apparently his representation from thereon was far less robust than before.
Allegedly the term was "His card was marked".
-
True enough, Octy. If things were done then the way they are now with tax returns and all that shite thousands of us would be homeless, we've Tommy and John (RIP) to thank for finding ways and means...
-
True enough, Octy. If things were done then the way they are now with tax returns and all that shite thousands of us would be homeless, we've Tommy and John (RIP) to thank for finding ways and means...
I could have sworn you posted that you didn't take Tommys contrived statement of means?
-
No.
-
No.
So in reply 30 you did?
Formless had the ear of Ahern at the time I guess.
-
Yeah, that's how I got a mortgage... I thought that was pretty clear... it's the only reason I joined NTDU and I never renewed my membership thereafter. In fact I was a member of ITDF at the same time (by virtue of being with Blues) but Usher sent me to some sub-prime broker that I didn't want to do business with.
-
No.
So in reply 30 you did?
Formless had the ear of Ahern at the time I guess.
*Gormless.
Damn autocorrect.