A taxi is not just a vehicle; it's a mobile business. When your vehicle is damaged in a non-fault accident, the physical repair costs are only half the battle. The real financial impact comes from the days or weeks you spend off the road unable to work.
Fortunately, Scottish law protects your right to claim for these lost earnings.
The Principle of Maximum Loss Recovery
Under UK and Scottish law, if you are the victim of negligence (a non-fault accident), you have the right to "restitutio in integrum"—meaning you must be restored to the financial position you would have been in had the accident never occurred.
This legal principle guarantees that you can claim back the exact amount of money you would have earned during the period your taxi was off the road.
How Are Lost Earnings Calculated?
Insurance companies require proof of your average earnings to process a claim. This is typically calculated by looking at your income over the 13 weeks (roughly 3 months) immediately preceding the accident.
You will need to provide:
- App Earnings: Statements from Uber, Bolt, Freenow, or your local radio circuit.
- Bank Statements: Showing regular deposits from your taxi work.
- Tax Returns/Accounts: If available, to establish a longer-term baseline.
From these figures, your average daily net profit (earnings minus fuel/expenses) is calculated and multiplied by the number of days you were unable to work.
Why You Need Legal Specialists
At-fault insurance companies will almost always try to lowball lost earnings claims, arguing that you would have worked fewer hours or had higher expenses.
At Taxi Claims Scotland, our specialist legal partners build bulletproof lost earnings cases. We handle the complex mathematics, gather the necessary evidence, and aggressively negotiate with the third-party insurer to ensure you receive 100% of the compensation you are legally owed.