For Private Hire Vehicle (PHV) drivers, being involved in an accident can be stressful, especially when your vehicle is your livelihood. Knowing exactly how to handle an insurance claim can help get you back on the road faster and avoid unnecessary delays or complications.
Here’s a simple, step-by-step guide to help PHV drivers navigate the insurance claims process with confidence.
First and foremost, check that everyone involved is safe. If there are any injuries, call emergency services straight away. Even in minor collisions, it’s best to stay calm, move to a safe place if possible, and switch on your hazard lights.
At the scene, collect the following details:
Never admit fault at the scene; leave that to the insurers to determine.
Notify your insurance company as soon as possible, ideally within 24 hours. Delays can complicate the process or even affect your cover. If you’re a Pearl Assistance client, contact us right away, we’ll help manage the next steps and support you throughout the process.
As a PHV driver, your situation is different to that of a regular motorist. You need a replacement PCO-licensed vehicle quickly to keep earning. That’s where accident management companies like Pearl Assistance come in. We’ll handle the entire claim on your behalf, provide a like-for-like hire vehicle, and recover costs from the at-fault party’s insurer.
Keep a record of all communication, documents and expenses related to the incident. This includes repair bills, hire costs and any medical reports if relevant. Stay in contact with your claim handler for updates and next steps.
Accidents are never convenient, but knowing how to handle the insurance process makes all the difference. With the right support, PHV drivers can minimise downtime and keep their business moving.
Need help after a non-fault accident? Contact Pearl Assistance today, we’re here to take the stress out of your claim and get you back behind the wheel.
