We were instructed in providing uninsured loss recovery services for our client, a leading civil engineering services contractor specialising in highways and other infrastructure work, following a collision with a third party.

The situation

Just over £2,000.00 worth of damage was caused to our client’s vehicle, however as a result of the vehicle being damaged, our client was also unable to fulfil contracted jobs for the period that the vehicle was off the road being repaired. Due to the nature of our client’s business, specific vehicles are booked to undertake specific work and our client was able to provide us with an account of the booked jobs and the rates charged for those jobs. The jobs which were unable to be attended totalled approximately £10,000.00 in expected revenue.

Timeline of events

Our client’s HGV was damaged in summer 2023 by a dangerously overtaking third party, and as a result of the collision the vehicle was off the road being repaired for a period of 6 days.

A letter of claim was sent to the third party insurers in September 2024. As no settlement offer was forthcoming, the claim was litigated in November 2024. In December 2024, settlement was agreed, and the repair costs and lost revenue sums were settled in full.

How we helped our client’s case

We were able to present the case that our client was unable to source a replacement vehicle in the short period the vehicle was in for repair immediately after the collision, and as the booked jobs were therefore unable to be attended, the third party liable for the damage should also be liable for the lost revenue, maximising the recovery for the disruption caused to our client.

A note from our expert Lauren Arnett

“This claim demonstrates the recoverability of hidden losses not just limited to the ‘bent metal’, and our understanding that being unable to use a vehicle in a client’s fleet has wider impacts on the business than just dealing with the repairs. Our client provided us with a detailed breakdown of the dates, jobs and rates booked, and we were therefore able to present this evidence and secure a speedy settlement.”

Working with us

If you’re interested in discussing whether your business could be owed for hidden losses, please don’t hesitate to contact our team today. Being specialists in ULR, we understand the reach of the impact caused when a vehicle is unable to be used as usual, and how this can affect the profitability of a business. This is why we’re dedicated to making sure every opportunity for loss recovery is explored thoroughly.

Contact our team today if you wish to discuss how we could help your business. Call us free on 03300 945 100.

Author: Lauren Arnett