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DD had a bump last week - just discovered MOT out of date!
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Hi all
Last week DD was stationary at a roundabout, car in front moved forward as there was no traffic on roundabout and then 'emergency stopped' for no reason and DD went into the back of her
No-one else involved, although the car behind DD only narrowly (but thankfully did) manage to swerve slightly and avoid a 3 car pile up. At first the lady in the car in front of DD said she didn't want to involve insurance but called later in the day and said she thought they should (DD said it sounded like a different person on the phone) so we reported the accident to DD's insurers and left it at that as we then went away for the week.
The problem we have however is we have just discovered tonight that DD's MOT ran out last month :eek:. It's Sunday night and I am now panicking that the driver of the car in front of DD is going to claim for all sorts and DD's insurance will be invalid. Any soothing words or am I right to be as worried as I am ?
Last week DD was stationary at a roundabout, car in front moved forward as there was no traffic on roundabout and then 'emergency stopped' for no reason and DD went into the back of her
No-one else involved, although the car behind DD only narrowly (but thankfully did) manage to swerve slightly and avoid a 3 car pile up. At first the lady in the car in front of DD said she didn't want to involve insurance but called later in the day and said she thought they should (DD said it sounded like a different person on the phone) so we reported the accident to DD's insurers and left it at that as we then went away for the week.The problem we have however is we have just discovered tonight that DD's MOT ran out last month :eek:. It's Sunday night and I am now panicking that the driver of the car in front of DD is going to claim for all sorts and DD's insurance will be invalid. Any soothing words or am I right to be as worried as I am ?
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Comments
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Not having an MOT does not invalidate insurance, so don't worry.0
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Thank you - hoping her insurance company agree!0
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Even if they disagree they won't be able to get out of paying all claims. The FOS & FSA are agreed that no mot is no reason to refuse a claim, assumimg the car was roadworthy.
The only issue over this will be if her car is a write off.
(a car with no MOT is valued less than if it had one)i0 -
Thank you. Car is roadworthy and will book an MOT this week. I assume she is OK to drive it to a garage for the MOT? Also, she is at uni about an hour and a half away and I would like our usual mechanic to MOT it - will she be allowed to drive it back here for that?0
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She can drive it to a pre booked test legally.0
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Pre book it with your preferred garage and tell her to drive it from uni directly to the garage, no detours to the shops or to see friends.
If it fails, you then need to drive it directly to wherever you plan to park it up or get it fixed.0
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