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accident not my fault but mot run out
dizzielizzy
Posts: 7 Forumite
in Motoring
Please can somebody answer this question who knows the answer for definate as I am extremely worried. I was in an accident that was not my fault on the way back from dropping my spare key off with a friend so that they could take my car to the garage the next day for its mot, it was exactly 2 weeks out of date. However, I did not tell the insurance this and becuase the car has been written off they need me to send my mot certificate and registration document. Am I not insured? Will this mean that I will also have to pay for the hire car and recovery of the vehicle? Am I just totally !!!!!!ed or does the fact that it was the other drivers fault mean that I can still claim?
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Is the car badly damaged or just written off because it is quite old and, therefore, cheaper for the insurance company to write off?
There was a recent thread on here where the poster had his car written off for no more than a damaged door but was offered the car back with a payment of about 60 % of the write off claim.
If you have the car back as salvage you may not need to produce the MOT.
Before all and sundry leap down my throat.........I am not condoning or excusing driving without insurance. The OP is a fool for doing it. However, if there is a legitimate way to mitigate her losses then it ought to be explored.0 -
I agree your up that creek without a paddle.0
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Not having valid MOT invalidates the insurance, so you were driving without insurance.
Sorry! But you can only drive it to an MOT centre - not to your mate's... harsh but true...Mortgage | £145,000Unsecured Debt | [strike]£7,000[/strike] £0 Lodgers | |0 -
Arrgghhh!!! Cheers people. I feel like I've been extremely unlawful now. I'm a student so I am now feeling extremly sorry for myself. Does anybody have any idea how much I am going to own the insurance company? They have given me a courtesy car and the police had to remove the car. It is cat c damage0
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I feel sorry for you too - I admit, I did exactly the same thing when my car failed its MOT and my BIL promised to fix it for me. I drove it 45 miles to get to his house, but luckily didn't get caught.
It's bad luck for you that some numpty got you into an accident at a time when you were being just slightly naughty.
I've got no idea what will happen next - I guess you'll have to tell the Insurance company that you can't provide the MOT certificate because it's expired but I'd explain that the accident happened on the way to get a new one. They might investigate further and do you anyway, but I think it's your only shot!Mortgage | £145,000Unsecured Debt | [strike]£7,000[/strike] £0 Lodgers | |0 -
this happened to my husband he went to the mot testing centre he had the car booked into and explained what had happened to him and they gave him something to send into his insurance company can't remember offhand but will ask him tonight and they did pay out when the car was writted off not worth much though about £600 if i remember right.0
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Badger_Lady wrote: »Not having valid MOT invalidates the insurance, so you were driving without insurance.
Technically correct, although if the car isn't unroadworthy and this wasn't a factor in the accident, the insurer may choose to ignore the lack of MOT.
If I were the OP, I wouldn't bank on it though. This is where you find out the quality and goodwill of your insurer.0 -
I think you will have to tell the insurers that you have discovered the MOT is out of date and that, therefore, you are withdrawing the claim and they should send you an account of their costs to date for you to settle. Return the hire car straight away, as they will insist you do this anyway, to stop it costing you any more.
I'm sorry you've learned a valuable lesson in such a harsh way.
LA
Edit: Just saw Nickmack's post. This might be worth a try first.0 -
The fact that you were technically "uninsured" (which is arguable because even though your insurer may not cover you for comprehensive, they would still cover third party losses, and that is the minimum insurance cover required and you do have that cover) or that you did not have an MOT, are not reason to stop you from claiming from the other party insurer. If it is an open and shut case, they were to blame, they have still damaged your property and you are entitled to recompense.
If your own insurance does not pay up, claim against the other drivers insurance directly. If you can't do this yourself hire a solicitor to do it for you. They will also give you free initial advice if my idea is feasible or not. You have nothing to lose.0 -
I'm scared! I keep putting the number in the phone then deleting it. Gonna phone them and tell them I didn't realise. I will post the outcome on here as I'm sure it will help people in the future0
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