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I Have No Mot Or Tax And Had A Crash
42 Answers
i have had a crash, the fault of which i am unsure i would say 50/50 at a guess. as the title shows i had no mot or tax. i had my car booked in for an mot the day after. i was driving in the opposite direction of the mot facility when the crash happened.
i have insurance though not sure whether it is valid, also i have not got a clue who i am insured with so have no way of contacting them.
i asked the guy whether he could hold out on notifying the insurance companies until the day after, to which he agreed but after trying to contact him he is not answering his phone.
i am truly lost to what to do or how to go about the situation, any help would be much appreciated.
thanks
i have insurance though not sure whether it is valid, also i have not got a clue who i am insured with so have no way of contacting them.
i asked the guy whether he could hold out on notifying the insurance companies until the day after, to which he agreed but after trying to contact him he is not answering his phone.
i am truly lost to what to do or how to go about the situation, any help would be much appreciated.
thanks
Answers
Driving without a valid MOT certificate CAN'T invalidate the '3rd party' element of an insurance policy. So the good news part of my post is that you CAN'T be prosecuted for driving without insurance. (The insurer MUST pay out in respect of any valid third party claim). The first part of the bad news is that, depending upon the wording of the policy, your...
19:05 Thu 07th Sep 2017
You need to report the accident to the police . Yes you will be in trouble but not as bad as if you just do nothing. The police will be able to see who you are insured with. Doing nothing just means you are also guilty of failing to report an accident as well as the other possible offences. No MOT does not void your insurance. This subject comes up on here often.
You can check your own insurance here
https:/
You can check your own insurance here
https:/
There is no such thing as paperless insurance , you must have a printed policy document, that is law. Compare the market is just an insurance broker , it does not actually issue insurance . It just tells you which company can give you the cheapest insurance. I think you may not be insured. Did you actually pay the insurance premium?
Anyway use the link to see if you actually are insured. If you are it will tell you who the insurer is. If it says there is no insurance then you must still go to the police, you are going to get caught anyway. So better to get it over with so that you don't add failure to report an accident to your other problems.
There is a another post about this,
I am inclined to agree with your suspicion Eddie.
Were names, addresses and vehicle details exchanged, if not the accident must be reported to the Police as soon as is practicable and in any case within 24 hours - although I believe you will be reluctant to take this action.
I am inclined to agree with your suspicion Eddie.
Were names, addresses and vehicle details exchanged, if not the accident must be reported to the Police as soon as is practicable and in any case within 24 hours - although I believe you will be reluctant to take this action.
Driving without a valid MOT certificate CAN'T invalidate the '3rd party' element of an insurance policy. So the good news part of my post is that you CAN'T be prosecuted for driving without insurance. (The insurer MUST pay out in respect of any valid third party claim).
The first part of the bad news is that, depending upon the wording of the policy, your insurer can refuse to pay out on any other part of the insurance cover. (i.e. if you've got 'fully comp' cover the insurer only has to pay out the '3rd party' element).
The next part of the bad news is that, although the insurer has to pay out on any third party claim (meaning that you can't be prosecuted for having no insurance), the wording of the policy might allow the insurer to seek that money back from you because you weren't driving in accordance with the policy.
Next bit of bad news: As should be obvious, you're clearly at risk of being prosecuted for driving without a valid MOT certificate.
Although you've insured through a broker, any payments from your bank will almost certainly have been paid directly to the insurance company. So if you pay by direct debit you only need to look at your bank statements (or ask your bank) to see which company you're insured with.
If you can't find out that way who you're insured with, it's going to cost you a tenner:
http://
The first part of the bad news is that, depending upon the wording of the policy, your insurer can refuse to pay out on any other part of the insurance cover. (i.e. if you've got 'fully comp' cover the insurer only has to pay out the '3rd party' element).
The next part of the bad news is that, although the insurer has to pay out on any third party claim (meaning that you can't be prosecuted for having no insurance), the wording of the policy might allow the insurer to seek that money back from you because you weren't driving in accordance with the policy.
Next bit of bad news: As should be obvious, you're clearly at risk of being prosecuted for driving without a valid MOT certificate.
Although you've insured through a broker, any payments from your bank will almost certainly have been paid directly to the insurance company. So if you pay by direct debit you only need to look at your bank statements (or ask your bank) to see which company you're insured with.
If you can't find out that way who you're insured with, it's going to cost you a tenner:
http://
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