Jobs & Education3 mins ago
Car insurance - NO MOT
13 Answers
My car was crashed-into whilst parked on the street outside my house and has been declared a write-off by my insurance company. The MOT ran out 11 days earlier while I was on holiday and the car was booked in for an MOT the day after the accident but obviously didn't make the appointment. Where do I stand with my insurance considering I wasn't driving the car at the time and it was actually booked-in for the MOT at the earliest opportunity after I came back from holiday?
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I have been thinking about this, and I don't think the other party's insurers can get away with not paying. The fact that the car was not MOTd does not absolve their client from blame. Consider the possibility that the car was on yoiur driveway when it was damaged. You don't need an MOT to park on your drive. Also what if it was a bicycle or a wall that was hit. The fact is that he damaged your property, and although the lack of an MOT may affect the car's value or even your legal situation, it does not allow them to escape paying out. It will make your own insurance invalid, but you are claiming from the other driver's. I suspect they may well try it but I can't see how they can justify it. But...!!