I hit another car driving to work this morning It was completely my fault and I'm insured but...?

Question

My car failed it's MOT on the weekend, it needed about £300 more work sone on it after the service & MOT so I was putting it off until pay day next Friday. Wihtout MOT is my insurance completely invalid? If so I guess I'll personally have to pay for the damage but will I also be in trouble for driving without valid insurance?

Answer 1

Sadly, I think you're certainly in financial trouble. Whether the police get involved depends on if anyone tells them (it's not mandatory to report an accident in which nobody was hurt to the police, so long as all parties exchanged details) and what they decide to do about it if that happens.



Brace yourself for a rough ride, but if you only failed for emissions and were within the previous MOT period, it would be a hard-hearted copper who nailed you for it. Mind you, some of them ARE hard-hearted. Technically, your previous MOT was invalidated when you failed this one (whatever some other posters might say) - and it's all linked to a central computer these days, so there's no fibbing or paying a back-street garage to back-date a certificate.

Answer 2

Let's get this right for you, clearly there are misapprehensions about the MoT.



Your MOT is valid until its expiry date even if in the meantime your

car fails the MOT - the original pass is still valid. In fact you can have the Test done up to a calendar month before the expiry date and have the new MOT forward-dated to the expiry date of the existing certificate. So if you have your car Tested during that month and it fails, this gives you time to have the repairs carried out and the car re-tested before the expiry of the original certificate and you are not disadvantaged as a result.

Answer 3

I'm pretty sure you are covered by your insurance, my car was writen off after being stolen and trashed, I got paid out.

The insurance claims inspector called first asked me for my MOT. I told himit was left in the car, he asked where I last had it certified , I said I travel about so much that I cant remember.

To cut a long story.short he told me he would have to logit in his report 'no MOT'!! There were no computerised MOT's then.

The point is they paid me up.

The no MOT charge, if they charge you will cost around £80, but if you produce a document to prove you have taken it for a test, you are giving the law a chance of also doing you for driving a car with emmision problems after your initial test, yet another fine! And if the court is full of ozone nuts, it doesnt look good.

Wish I could think some thing up for you but thats the best I can do.

I do recall that if you fail the first MOT you are allowed to book it in within two weeks and provided its pretty road worthly you can drive it back to the garage, but double check that, see if you can work it in somehow.

Good luck whatever.

I suggest to ease your mind you give your insurance a ring, you've nothing to lose now, or read through your policy document.

Answer 4

No MOT = no insurance. You were driving as an uninsured driver. Stand by for big bills, huge hikes in future insurance and a criminal record. Serves you right for driving a dangerous vehicle.

It makes no difference if the MOT still had time to run. The fact remains that the car failed the test and is therefore legally deemed unroadworthy.

The garage which failed your car has a legal duty to keep a record of this so you have no get out clauses.

Answer 5

this could be confusing issue as the law stats you a fixed to the do the repairs on a vehicle that fails it's mot, do to this you are complying to the insurance terms. you may want to get some legal advise as they would be best people to put in the right direction. as an uninsured driver if it comes to that the mib could pay the injury cost the the third party and then pass the vehicle damages to your insurer as they were the last to issue you a valid certificate and if you have it they have to cover third party liabilities as standard.

Answer 6

Your insurance will still pay the other party's claim regardless of your MOT.

They could technically try to claim these costs from you but very unlikely. If your car is covered (ie- comp cover) and written off, they may well deduct, say 10%, from your payout.

Obviously depends on insurer about your damage but they will difinately sort the 3rd party claim.

Answer 7

Well if your mot ios out and you are pretty friendly with a local garage owner you are legaly covered to drive ypur car to and from a mot testing station without void your insurance.

Answer 8

Afraid your insurance is invalid & you may be in trouble for driving without an MOT.

Answer 9

Yes your insurance will be invalid. Technically you can be prosecuted for driving without an MOT and insurance and personally liable for all cost relating to the other persons vehicle.

Answer 10

It relies upon on what state you reside in. I stay in michigan and we are a "no fault" state. meaning that the folk in touch in an twist of destiny are to blame for finding out to purchase their very own damages/maintenance that are actually not lined by their coverage. It doesnt remember who's fault that's, or if the different driving force has or doesnt have coverage. the guy who led to the twist of destiny would be ticketed, yet are by no ability to blame for funds to repair your motor vehicle. Now if somebody grew to become into driving your motor vehicle and wasnt on your coverage coverage right here in michigan, you will nonetheless might desire to pay your guy or woman damages and your coverage provider might have particular movements taken. you will might desire to envision your states regulations and your coverage coverage's regulations.

Answer 11

Under insurance law you have a 'duty of care' to take all reasonable steps to avoid a claim. It depends whether or not it made a difference. If it did it could affect the level of payout of the renewal premium.

Answer 12

Check your old MOT certificate - when does it expire? - just because it failed the test doesn't mean that the old one has expired yet.



Secondly don't tell your insurance company about it - just tell them about the accident and get them to fork out. If you have valid insurance they won't ask you about it.



It is only a problem if a Policeman asks you to produce your documents.



I can't get over how bloody horrible most of the answers are - shame on you - you bunch of tossers.

Answer 13

I'm afraid so Skippy. Without the MOT it can't be driven and the insurance is not valid. Prepare to feel a pain in your pocketbook.

Answer 14

If your vehicle does not have a valid MOT Cert it is not insured, only to drive it to the MOT station if it is booked in.

If you take your car for MOT with a valid test cert & it fails the valid cert is cancelled.

Answer 15

has the mot totally expired or is there any days left on the current mot?more info required please.you are OK if it has not expired yet!!!!it s still in date so your still insured good luck and let me know how your getting on

Answer 16

If you MOT is still valid and not expired and you still have your MOT certificate which displays the end date then technically it's still valid.

Answer 17

Hmmm tricky one - at first I would try to contact the other car owner and offer to pay for any damages. Tell them you would prefer not to go through your insurers. If they accept this, then great. Otherwise, I think your insurance may be invalid and it's gonna cost you. - Best of British Luck to you!

Answer 18

are you still coverd on the old valid MOT?

Answer 19

You were driving an unroadworthy car, your insurance will be invalid and the police will want to talk to you.

Answer 20

As long as your old mot was still in date you will be fine

Answer 21

Oh yeah you are but only if the other person filed a report, cause the cops will look and yeah they will be on your doorstep.

Answer 22

ask your insurance company that lot that have already answered you wouldnt do much to comfort you its not the end of the world nobody got hurt and it is only money that matters now good luck and cheer up .

Answer 23

your insurance should still cover this,id check with them and see ,it may actually cover you on this one,even though it was your fault,id call them and see it cant hurt anything to try,good luck.

Answer 24

Yes your insurance will be invalid.Unlucky eh ?

Answer 25

yes and yes

Answer 26

im afraid the answer is yes and yes

Answer 27

yes to all unfortunatley