I Have No Mot Or Tax And Had A Crash

[dougieball]

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

[Tilly2]

Sorry to be thick here but how can you not know who you have insurance with?

[dougieball]

i insured through compare the market, the insurance was paperless i received an email but have deleted all my emails a while back.
so have no records,

[EDDIE51]

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://ownvehicle.askmid.com/

[Tilly2]

Look at you bank statements and see where the payment went to.

[Tilly2]

Well done, Eddies!

[EDDIE51]

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?

[dougieball]

thanks eddie
do the police have to be notified. there were no injuries.
i have read in another forum that you don't have to involve the police unless there was an injury to a person.

[EDDIE51]

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.

[Islay]

Sorry Eddie but that's not strictly true about paper copies - as all my insurance docs are held by the company and I just access the portal to see them.

[Davemano]

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.

[Buenchico]

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://stayinsured.askmid.com/accessmypersonalinfo.html

[EDDIE51]

You do need to tell the police as offences have been committed and the accident has not been reported to insurance , no MOT and driving without road tax already committed. Do Not add Failing to report an accident to the offenses you have already committed !

[dougieball]

so i have found my insurance company i am currently waiting in line.

[EDDIE51]

Chris I suspect dougieball may just have got an email to confirm his insurance quote not to say he was actually insured. I am pretty sure it is compulsory to be given a printed paper copy of your insurance policy. But I may be wrong, possibly it can be an email.

[EDDIE51]

Hope it goes ok then, best of luck.

[dougieball]

i have found my bank statement i have insurance. 100%

[EDDIE51]

Then all you need worry about is the driving without Tax or MOT.

[Davemano]

Eddie - the requirement to report the matter to the police is only if the proper requirements have not been made - as per my 20.03. The fact that offences have been committed is not part of the requirement so far as my memory goes.

[EcclesCake]

You really do spout some inaccurate botox at times Eddie

[bednobs]

sounds like you have it covered. i'm utterly amazed anyone ca get away with no tax these days