Taxi insurance: OC, AC and liability
Vehicle OC protects injured third parties within statutory limits; AC is optional cover for the vehicle under its policy terms.
OC, AC and liability
Vehicle OC protects injured third parties within statutory limits; AC is optional cover for the vehicle under its policy terms. Tell the insurer the actual use, including taxi work, deliveries or rental. Nondisclosure alone does not automatically remove a victim’s OC protection or permit arbitrary recovery from the driver. It may affect premiums and optional policies. Check cover, exclusions, deductibles and authorised drivers.
Damage reporting and settlement
Notify the fleet and insurer promptly under the agreement/policy and keep a written record. Establish who handles the claim, recovery and any replacement car. Delay does not automatically mean liability for the entire repair: relevant law, terms and circumstances matter. A deposit is not an automatic liability cap. An unidentified culprit does not always make the renter liable. Rent during repairs and lost earnings require separate assessment and evidence.
Sources: Kodeks cywilny — art. 818 · Ubezpieczenia obowiązkowe
What the agreement must clarify
Clarify rent and its VAT basis, mileage limits and surcharges, servicing, tyres, insurance, deductibles, damage, downtime, replacement cars, termination and deposit return in writing. Verify the counterparty’s right to supply the car; they need not own it. A photographed handover record documents condition, mileage, fuel and equipment. Agreements operate within the law and cannot override mandatory rules.
Sources: Kodeks cywilny
Safety and evidence first
Call 112 for injuries or danger to life and provide assistance as able. For a property-only collision, secure the scene, move vehicles if safe and exchange details. Contact police for a dispute, suspected crime or inability to establish details. Foreign plates alone do not automatically require a police call. Record circumstances, policy details, witnesses and photos; a missing signature does not make all other evidence worthless.
Sources: Policja — kolizja