For London PCO drivers, even a non-fault accident can have a serious impact on your earnings. While insurance may cover the damage to your vehicle, it doesn’t automatically protect your income. Understanding where income loss comes from and how to prevent it can make all the difference after an accident that wasn’t your fault.
Your car isn’t just transport; it’s how you earn a living. After an accident, delays in inspections, liability decisions, or repairs can leave you unable to work for days or even weeks. Even short periods off the road add up quickly when you rely on daily fares to cover bills, fuel, and vehicle costs.
Many insurers only provide basic courtesy cars, and these are often not PCO-licensed or suitable for private hire work. Without the right vehicle, you may technically have transport but still be unable to earn.
One of the biggest threats to your earnings is uncertainty over liability. If the third-party insurer disputes who was at fault, your claim can stall. During this time, replacement vehicles and repairs may be delayed, keeping you off the road longer than necessary.
Professional accident management companies help reduce these delays by gathering evidence quickly and presenting a clear case to the at-fault insurer, speeding up decisions and keeping your income flowing.
Poor-quality repairs or the wrong repair garage can lead to repeat visits, extended downtime, or issues that affect your ability to work comfortably and safely. For PCO drivers, every extra day without a vehicle is another day of lost earnings.
Specialist accident management providers work with approved garages that understand PCO vehicles, helping ensure repairs are done right the first time.
Even when an accident isn’t your fault, claiming incorrectly can affect future insurance premiums. Higher running costs eat into your profits over time, turning a short-term incident into a long-term financial burden.
The right support after a non-fault accident can significantly reduce income loss. Fast access to a like-for-like PCO replacement vehicle, efficient claims handling, and proper repairs all help keep you working while your claim is resolved.
At Pearl Assistance, we understand that protecting your earnings is just as important as fixing your car. If you’ve been involved in a non-fault accident, we manage the entire process, keeping you on the road, compliant, and earning while your vehicle is repaired.
