what happened was a neighbours car rolled into my parked car in the street. He put a note through my door explaining what happened saying he would pay for the damage. i havnt spoke to him yet tho cuz it only happened this morning and we r both at work. the problem is my car has no MOT cuz I never drive it and I am just worried incase his insurance company ask for my MOT certificate and then they wont pay anything out even when the accident clearly had nothing to do with me having no MOT. I know I should have MOT and I will definatly be getting it as soon as but does anybody know if it is standard practice for insurance companies to ask for MOT certificates in these sort of accidents.
2006-12-20 23:58:14 · 16 answers · asked by becky 1 in Cars & Transportation ➔ Insurance & Registration
your neighbours insurance company will not ask for the MOT as it is irrelevant to them. As your neighbours car hit yours then if it goes through insurance they will accept liability and either have your car repaired or deem it a write off and pay you out the market value of the car less any salvage cost as you would be the third party to them. The car would remain your property and it would be up to you to dispose of the salvage. It is completely irrelevant to your neighbours insurers if your car had an mot or not. The only difference would be in the value of your car as it would be less without an MOT. The insurance company does not have direct access to the DVLA system for the MOT and they are also not the police and have no powers in this respect.
2006-12-22 01:14:28 · answer #1 · answered by richard s 2 · 0⤊ 0⤋
With the new computerised MOT system they check automatically to see if the car was MOT'd.
As someone else said you made your insurance void by parking it on the street without it being MOT'd (road legal). Your neighbour if its minor damage may pay for the damage himself without going through the insurance.
By law the car shouldn't be on the road if it has no MOT or road tax unless you are taking it to a prebooked MOT test. This includes parking on the road too. Your car could just as easily have rolled into someone elses car and they would be paying out of their own pocket for uninsured losses.
2006-12-21 00:23:24 · answer #2 · answered by Mark B 5 · 0⤊ 0⤋
They dont ask for your MOT certificate as far as im aware, but I do know that if your car has no MOT then you also have no insurance as it makes it void.
Think with the new MOT certificates that are out now, its all kept on record with the DVLA (although not 100% certain), and the insurance co may be able to double check.
I would try and get the man who hit your car to settle up without using the insurance company. That way it will also save his no claims.
2006-12-21 00:05:49 · answer #3 · answered by Lottie 2 · 0⤊ 0⤋
When you insure your car, you undertake an agreement to keep th car in a roadworthy state, ie mot it. Because the car is not mot,d the insurer could claim that the car was not roadworthy but they will also have to prove that this unroadworthiness caused the accident. I dont think that it will be too much of an issue providing of course that there was nothing wrong with the car. You may find that they will try to haggle the price of repairing or write off claim down.Good luck.
2016-05-23 04:36:08 · answer #4 · answered by Kelly 4 · 0⤊ 0⤋
You are parking on the road illegally, get it into a drive or off the road before you are reported. you are luck the police were not involved they would want to see it. The Insurance company will not. They only require MOT, and Log books etc when the car is classed as a right off, because once they pay you the car is legally theirs to do with what they wish.
2006-12-21 07:46:52 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Some insurance policies will invalidate your insurance if the car doesn't have an MOT, and some won't. Check what it says on the policy. Be aware that they can check on the computer system though - and it's illegal to park a car on the public road without MOT too.
2006-12-21 03:18:42 · answer #6 · answered by Anonymous · 0⤊ 0⤋
They can sometimes, but you are only required to have an MOT certificate on two occasions- any time you drive the car on the road (unless it is being driven to a pre-booked MOT Test), and when you tax the car. If your car is taxed with no MOT then there is no problem with whether or not you are covered, or with the DVLC. If your car is not taxed and not MOTd and you haven't declared it off road (SORN) then you may be in trouble with the DVLC but it should not affect your insurance claim.
2006-12-21 00:03:11 · answer #7 · answered by Oldbeard 3 · 0⤊ 1⤋
In previous occasions in accidents I have never been asked to produce MOT and that was before the computerised MOT came out.
2006-12-21 09:05:29 · answer #8 · answered by Anonymous · 0⤊ 0⤋
I served over 33 years in the police most of it in the traffic department. One of my first court cases was a vehicle with No MOT parked on the highway. If its on a road it needs tax ,insurance and in your case valid MOT. They will ask for proof of MOT.
2006-12-21 02:31:06 · answer #9 · answered by des c 4 · 0⤊ 1⤋
They will know as soon as he gives them your reg, its all computerise now, i road taxed my car over the net, its all logged there, mot,insurance,owner,the lot, when i brought the car i told my insurance the reg , they told me the make , colour and mileage,
you could be in the mire , what was it doing on the road?i take it , it as not been S.O.R.N, which in its self is illegal
2006-12-21 03:27:24 · answer #10 · answered by ROBIN G 1 · 0⤊ 0⤋