I hit my neighbours car on its wheel and while i have fully comp insurance my MOT is out of date. My car is fine but they are making a claim against my insurance company for the damage to their wheel. Will the fact that I have no MOT show up anywhere when they make the claim against my insurance company??? Idon't know if to keep quiet about it or try and get it mot'd now but it will cost me a fortune on a car that i am not intending to keep.
2007-05-12 00:14:57 · 18 answers · asked by sal2 1 in Cars & Transportation ➔ Insurance & Registration
Your insurance is invalid without a valid MOT. The only thing you can do is pay for the damage out of your own pocket. If you attempt to go through the Insurance and the Insurance company find out, they will refuse to insure you again. You will have difficulty getting Insurance in the future.
2007-05-12 00:27:45 · answer #1 · answered by tempest 4 · 1⤊ 0⤋
It's a common misconception that your insurance is invalid without an mot. Your insurance would still be valid (3rd party only) if you didn't have tax, an mot or even a license. As long as you have insurance cover they are obliged to cover any claim by a third party. What does happen though is after they have paid out for the claim the companies lawyers come after you through the small claims court to reclaim the money and any expenses. And if the third party has made a personal injury claim this can lead to hundreds of thousands of pounds and you can lose you house, your car, pretty much everything you own.
2007-05-12 01:54:25 · answer #2 · answered by SpannerMonkey 4 · 0⤊ 1⤋
It's a condition of the insurance that the vehicle is properly taxed and MOT'd at all times. Failure to do so could prejudice you in the event of a claim. This is especially true with the new Motor Insurance Database (MID) and links with the DVLA (for tax) and computerised MOT certificates. The police and other authorities have access to all this information centrally and you could therefore still encounter problems with the claim even though you don't have any own damage.
It is also an offence not to have a valid MOT on the vehicle so I'd suggest you get the car MOT'd as soon as possible.
2007-05-12 00:44:43 · answer #3 · answered by Micky Fees 3 · 1⤊ 1⤋
If you have the new type MOT (they are now on a database for DVLA and insurers to use) it may show up and your insurance company may refuse the claim - the MOT is the proof that your car is roadworthy - no MOT and there is no guarantee that your car should be on the road - they may refuse it if they find out - to be honest - you'd be better of paying for a new wheel yourself and keep your no claims
2007-05-12 00:20:49 · answer #4 · answered by jamand 7 · 1⤊ 0⤋
Heres the most likely outcome and one that I guarantee you will happen. Your insurance company wont pay out as your car will be declared unroadworthy. You neighbour will report you to the police and you will be fined and may have endorsments on your licence (points) and it may and most likely will result in you paying higher insurance premiums in future and maybe not being able to gain insurance from some companies at all and if the insurance does pay out then you will loose no claims bonus'.
My recommendation is.... apologise sincerely to your nieghbour. Payout for the damages you caused and hope you can find some agreement. Beg if you have to because this no M.O.T. thing can really bite you in the *** in your case.
2007-05-15 13:34:15 · answer #5 · answered by kk 2 · 0⤊ 0⤋
Don't you need a valid MOT certificate and insurance cover note to get your new Road Tax disk?
If you havent got an MOT, and anything comes to court to try and work out whose fault it was, it usualy defaults to you, as your car is not roadworthy in the first place. You could be left without a leg to stand on.
2007-05-12 00:27:14 · answer #6 · answered by wil_hopcyn 2 · 1⤊ 0⤋
Unless the accident was due to a failure of some part of the car there won;t ne any problems.
Not having an MOT does NOT invalidate a policy of insurance.
2007-05-13 09:43:21 · answer #7 · answered by welcome news 6 · 0⤊ 0⤋
Send the law firm out a letter in two ways: one with delivery confirmation only and another letter certified receipt But the letter should be very simple and specific do not get wordy; included a copy of the judgment of the court; a simple letter outlying the damages in question for collection has already been a judicata by the courts and this is the finding i.e. 700 liable to you; the landlord plaintiff as stated only gets one bite at the apple and in your case the judge found you liable for 700 only not 4K ; make sure all the info on the court case is included so the law firm can research the court docket to confirm its been tried already the issue at hand in regard to the collection
2016-05-21 02:22:36 · answer #8 · answered by ? 3 · 0⤊ 0⤋
with out a mot the car is considered
not road worthy and your insurance
will not pay and your third party will
report you to the police tell you neighbour
that you will pay for the damage as
the claim will affect your no claims
good luck
2007-05-12 00:24:19 · answer #9 · answered by S Csparky 6 · 1⤊ 0⤋
are you stupid surely you know you have to always have a current MOT certificate and by the sounds the car in question was long overdue for an examination and it all comes down to the other guy coming the other way so grow up
2007-05-12 00:22:48 · answer #10 · answered by srracvuee 7 · 1⤊ 0⤋