Bump one day after MOT ran out!

OddballJamie

By any chance had you stopped off at Tesco to use the cashpoint on the way to your pre-booked MOT, when the incident happened.

fivetide

OddballJamie wrote: »

By any chance had you stopped off at Tesco to use the cashpoint on the way to your pre-booked MOT, when the incident happened.

Great thread.

We've had suggestions not to accept liability for hitting a parked car despite having already admitted it.

Suggestions to lie about the date it happened and work with the 3rd party to do so and now tell another fib about the MOT which could be easily checked and found out.

The simple fact is it matters not. Insurance will cover it and the OP isn't claiming for their Y plate car anyway. Not sure why the OP would want to risk getting in so much trouble when they don't need to.

Strider590

Quentin wrote: »

There is no question whatsoever that the insurer wouldn't pay this claim.

But definitely both parties risk everything by following this shocking (and illegal) "advice"

Ah dedums the poor insurance company, like they themselves aren't a bunch of lying scumbags........

Quentin

Strider590 wrote: »

Ah dedums the poor insurance company, like they themselves aren't a bunch of lying scumbags........

It won't be the insurance companies that will be "poor" were the parties to take your so called advice to make fraudulent claims and get caught out.

Apart from the possibility of legal action they would find themselves having to pay thousands in premiums for ever more should they be able to find any insurer prepared to take them.

Strider590

Quentin wrote: »

It won't be the insurance companies that will be "poor" were the parties to take your so called advice to make fraudulent claims and get caught out.

Apart from the possibility of legal action they would find themselves having to pay thousands in premiums for ever more should they be able to find any insurer prepared to take them.

The incident happened when both parties say it happened.....

If the insurance company tried to duck out of paying because the MOT ran out, then they'd be hugely out of pocket anyway.

Aretnap

Good lord, less than a page and already someone suggests telling a pack of lies to get out of a non-existent problem.

Just to add to what Quentin said, for the benefit of the OP

(1) The out of date MOT will have no effect on any insurance claim
(2) It's very unlikely that the police would be interested in the fact that your MOT was a day out of date, even if they did somehow find out
(3) Even if it did somehow get reported to the police and they did give a toss, no MOT is a minor offence which gets you a small fine and no points.

Compared with that, lying about a relatively minor motoring matter can land you in very serious trouble indeed - click here to read about a bloke on another forum who managed to turn a speeding charge and a parking ticket into 8 months in jail. Seriously, it's not worth even thinking about.

Quentin

Strider590 wrote: »

......If the insurance company tried to duck out of paying because the MOT ran out, then they'd be hugely out of pocket anyway.

There is no question of the insurance company being able to "duck out" because there was no MOT!

Bringing the subject up again and again is just unnecessary scare mongering, and the OP should just ignore it!

arcon5

spacey2012 wrote: »

First thing you need is a new garage, any mechanic who lets you drive away knowing your MOT has expired is a first class idiot.
Most parts these days are off the shelf one hour delivery, probably not paid his bill at the supplier.

With the Accident, all you can do is fess up to the insurance and take the rap they decide.

And whys that?
On what grounds do you think a mechanic can effectively seize your vehicle? And don't say something like because the car is not road worthy, because the mechanics are not law enforcement officers.

shaun_from_Africa

smashingyour... wrote: »

Try telling that to vosa next time you are stopped for emissions testing

Unless your vehicle is belching out plumes of black smoke, all VOSA will do is to issue a notice requiring you to get the emissions problem fixed within 14 days, so even though your car may be over the prescribed limit and would fail an MOT, you can still generally drive it following a VOSA roadside inspection.

smashingyour...

shaun_from_Africa wrote: »

Unless your vehicle is belching out plumes of black smoke, all VOSA will do is to issue a notice requiring you to get the emissions problem fixed within 14 days, so even though your car may be over the prescribed limit and would fail an MOT, you can still generally drive it following a VOSA roadside inspection.

How can vosa issue you with a notice?

You said you can legally drive it if it fails on emissions. If you're legal they can't take any action can they?

The fact they don't usually take action doesn't make you legal.