What if, as a self-employed person, I cause damage with my client's car?

Questioner

I am a driver, I have driven damage with the car of my client. He now demands that I pay 2 times the deductible + a damage that I never drove. I have filled in a damage form of the 2 damages and actually drove. I did not drive the 3rd damage, so there are no documents or evidence of the other party. I received advice from a party who initially claimed that I have a strong position. Now 180 degrees the other way and that I do not have a strong position if a case comes about. Called a lot of insurance companies regarding liability of ZZP and driving someone else's car. It cannot be insured anywhere, everywhere there is an exception that the vehicle cannot be insured if it is not in the name of that person. I have correspondence from my side and the other party but would like to know where I stand legally and if this becomes a case. I initially sent a contract by email approved/taken over from the tax authorities site. He refused to sign this. I would like to receive advice on this or be called for advice.

Lawyer

What an annoying situation. How long have you been working for this client? As a self-employed person, damage is usually not insured if you do not have special business liability insurance or something similar. If you have no insurance and you are held liable, the question is whether you will get out of it. Do you agree with the damage and can you pay? You clearly indicate that you never drove one of the damages. In a possible case, the person who claims something must in principle prove this. The client claims that you drove three damages. The client must prove/make this plausible. Without further information it is difficult to say more. I often assist ZZP'ers. You can contact me without obligation if you have questions or want legal advice.