mot expired and accident

[huggy54]

OK here how the story goes

My girlfriend asked me to collect her and her mother from Gatwick airport @ 6AM, as they went to St Lucia for a month. I declined as I always do (every year for the last 3 years), I just don't like driving people around or using other peoples car as if their is a problem it falls on me. They kept asking even though I said no so this once i decided to get from the airport this one time. They then asked me to use there family car as it better suited than a Saxo.

So i left out and was driving down to Gatwick driving carefully at a steady speed just before i got there i saw a driver in my rear view mirror driving very fast, i could only make out his headlights as this part of the motorway has no lights. he was about a good 300 meters behind me so i carried on driving assuming he would slow down or switch lanes i look in the mirror again and saw him driving now even faster so i thought this guy is crazy and i accelerated to put some distance between us before i could make any real distance h dove straight into the back of me.

he clearly saw me as there were no other cars in our lane (we was not in the fast lane)at that time and i was in that lane for about 6 miles. suffice to say that car was damaged, none of the doors would open and boot was dented in alot and there was chasis damage.

some guys helped me push the car of the motorway, the car who hit me i guess drove of when alot traffic started piling up behind me as the car out after the collision. and as said before as there were no lights on this part of the motorway i couldn't even describe his car. i called the police who checked me and the car out as i wanted to know if they had cameras to catch the guy who hit me and run off, when they came they checked my license which ckecked out my insurance which also was fine but said the mot on the car im driving expired the day before. the mot expired december 14th 2009 and the accident happened december 16th 6AM. I was shocked and angry the police let me go but told me i had to produce. from their i didn't drive the car, they had already jumped in a cab back to london as i was with the police for ages and i told them jump in a cab back as im not driving a car with no mot.

now where i am with my girl and her mum is the damage cost £800 to fix the car which i dont think i should pay, as i didn't ask to borrow the car to use for my personal reasons they asked me to use it to collect them which i didnt even wanna do. also they didn't tell me the mot expired (which i'm sure they didn't realize). the cost of the damage should fall onto the other driver but he drove away and im only covered 3rd party on their car.

as this is my girls mum car if i don't pay it will cause problems in our relationship even though we been together 4 years. so i agreed to pay half. which i don't feel as though i shoulda even done.

now what do u think will happen in regards when i produce my docs? as it will say i drove the car with no mot even though it expired a day before. i honestly had no idea it expired the previous day. obviously i dont want no points on my license or a fine.

[Quick]

It is up to the driver to make sure that the vehicle they are driving is road legal, Mot'd taxed, in the eyes of the law.

[Bickerton]

In the polices eye's you will have been driving with no MOT ergo no valid insurance.

This looks like the start of one big fat mess mate i'm sorry to say

[huggy54]

well the car was taxed and had insurance i didnt ask bout mot.

what do u think will happen with the police though

[Quick]

Try http://forums.pepipoo.com/ for some advice....

[Mochachino]

You might be lucky mate.

When i was 17 i was cought driving a mates car rather foolishly. I was told i was going to court and lose my license etc. I was also told to produce my documents within a certain time.

I had no insurance on this car i was driving, so i was shitting it that i had to go to court.

Anyway, i produced at my local station and i never heard anything.

What have you been told to produce? which docs?

[swampy]

If the accident was in december and you aint produced the docs yet you are out of time.

[Mr_P]

Car was tax'd and Insured. That's the important thing. No mot does not invalidate your insurance. Although getting the insurance to pay out for damages to your car is extremely difficult.

2 days over for an mot is fuck all and the punishment is rarely more than a small fine.

But as said. You get 7 days to produce anyway, don't you?

[Bickerton]

So not having proof that a car is safe to be on the road doesn't validate insurance?

[Mr_P]

An MOT isn't proof that your vehicle is road worthy. ;)

Insurance policy ask that the vehicle is in a roadworthy condition. Does not specify it requires an MOT.

AFAIK a claim that involves a car that has no MOT is dealt with individually and the outcome is down to the insurance company. Although we all know what they're like when it comes to paying out :P

[Bickerton]

Ah so although an MOT isn't strictly required it will be an insurance companies trump card?

[Mr_P]

Basically. Usually it just lowers the valuation of the vehicle though rather than them not paying out at all.

[huggy54]

reason i didn't produce in 7 days i lost the paper the police gave me, so they wrote me again saying to go back and produce. i just wanna know if they will give me a fine or points on my license

[Mr_P]

It's a maximum £1000 fine.

Usually a £30 fixed penalty.

No points, No ban.

[ne_jam]

yea same happened to a mate of mine crashed his car with no mot , had to produce his docs as the mot was only a few weeks out he got a £30 fixed fine and was done with it

[Leooo]

I have not read this properly so excuse me but I know for sure if your MOT is out.. you insurance is void

[lakey_xs]

just a fine for no mot

[Mochachino]

reason i didn't produce in 7 days i lost the paper the police gave me, so they wrote me again saying to go back and produce. i just wanna know if they will give me a fine or points on my license

As i asked before what have you got to produce?

Like my example, i was uninsured driver and i was told to produce my driving license. At the time i thought things were gonna be serious. But a producer is just to prove you have that document and its valid.

I produced my license, they checked it was valid. Jobs a good un.

[saxolenny]

wouldnt be paying a penny !!! tbh they asked you to go and pick them up they should know when the MOT is due and it the crash wasnt your fault it was a hit and run

[Saaamon]

A lesson learn't. I drove my mates c20xe nova once and blew it up due to a lack of oil, never again would i drive someone elses car, not worth the hassle.

[Mr_P]

I have not read this properly so excuse me but I know for sure if your MOT is out.. you insurance is void

Then I suggest you read it properly.

And possibly do some research. No mot does NOT invalidate your insurance.

The no MOT = void insurance is a myth.

Just like bald spare tyres can fail an MOT and get you 3 pts is a myth.

[huggy54]

i had to produce my insurance, license and mot. and im through driving peoples cars as well its caused me so much hassle including fixinf the car

[daco]

wouldnt be paying a penny !!! tbh they asked you to go and pick them up they should know when the MOT is due and it the crash wasnt your fault it was a hit and run

I would tend to agree with with this, if someone had borrowed my car with my blessing and the same thing happened I wouldn't even think about asking for any money as the whole thing was not your fault and therefore not your responsibility....

[Leooo]

Then I suggest you read it properly.

And possibly do some research. No mot does NOT invalidate your insurance.

The no MOT = void insurance is a myth.

Just like bald spare tyres can fail an MOT and get you 3 pts is a myth.

My grandad was pulled by VOSA (they were pulling in everybody by the motorway island) 2 days ago and found out his MOT was up in october but he hadn't realised. They told him that this absolutely voids his insurance, but luckily let him go as he booked an MOT there and then on the spot.

You must be an idiot to think that having no MOT doesn't invalid your insurance. Insurance companies will do everything in their power to get out of paying out, if you had a smash and they found out you had no MOT... you will find out the hard way it is not a myth. Wake up and smell the real world you idiot.

[LSOfreak]

i wouldnt give your gf's mum anything. if it werent for them, you'd be taking the saxo up there. they told you to take there car. If the accident were your fault then thats a different story. on the bright side, atleast it werent your car which took the abuse

[Mr_P]

My grandad was pulled by VOSA (they were pulling in everybody by the motorway island) 2 days ago and found out his MOT was up in october but he hadn't realised. They told him that this absolutely voids his insurance, but luckily let him go as he booked an MOT there and then on the spot.

You must be an idiot to think that having no MOT doesn't invalid your insurance. Insurance companies will do everything in their power to get out of paying out, if you had a smash and they found out you had no MOT... you will find out the hard way it is not a myth. Wake up and smell the real world you idiot.


Mate, you must be an idiot to think that vosa or the police would let anyone drive a vehicle without insurance. Research it online if you like.

No mot does not invalidate your insurance. No mot is a £30 fine. If it invalidated your insurance then that is a much harsher penalty and they would not let you continue on your journey.

Check your insurance cert.

Thank you, and stop being so naive. I don't appreciate being called an idiot when I am passin on factual information. ;)

you fucking idiot :D

[Leooo]

Mate, you must be an idiot to think that vosa or the police would let anyone drive a vehicle without insurance. Research it online if you like.

No mot does not invalidate your insurance. No mot is a £30 fine. If it invalidated your insurance then that is a much harsher penalty and they would not let you continue on your journey.

Check your insurance cert.

Thank you, and stop being so naive. I don't appreciate being called an idiot when I am passin on factual information. ;)

you fucking idiot :D


have ever dealt with an insurance company/claim?

If you was in an accident, the insurance companies goal is to avoid paying out. If your MOT is out of date, this would void your insurance thus they won't pay out. Do you honestly think an insurance company would be like "Oh you have no mot? few months out of date?? No problem sir, here is 6 grand to repair your car anyway"

:wall::wall::wall::wall::wall:

[Bound]

Mate, you must be an idiot to think that vosa or the police would let anyone drive a vehicle without insurance. Research it online if you like.

No mot does not invalidate your insurance. No mot is a £30 fine. If it invalidated your insurance then that is a much harsher penalty and they would not let you continue on your journey.

Check your insurance cert.

Thank you, and stop being so naive. I don't appreciate being called an idiot when I am passin on factual information. ;)

you fucking idiot :D

That is true, if an out of date MOT meant you had invalidated insurance, e.g. NO INSURANCE.

Actually, I will simplify.

So no MOT = No insurance?

No insurance means you cannot carry on your Journey, you will get 6 points, and fined.

However, this is not the case, because the penalty for no MOT is £30.

Ergo, it does NOT INVALIDATE YOUR INSURANCE.

How it affects your claim in the event of an accident (unroadworthy or what not, I don't know).

[Mochachino]

Ah so although an MOT isn't strictly required it will be an insurance companies trump card?

Basically. Usually it just lowers the valuation of the vehicle though rather than them not paying out at all.

Mate, you must be an idiot to think that vosa or the police would let anyone drive a vehicle without insurance. Research it online if you like.

No mot does not invalidate your insurance. No mot is a £30 fine. If it invalidated your insurance then that is a much harsher penalty and they would not let you continue on your journey.

Check your insurance cert.

Thank you, and stop being so naive. I don't appreciate being called an idiot when I am passin on factual information. ;)

you fucking idiot :D

have ever dealt with an insurance company/claim?

If you was in an accident, the insurance companies goal is to avoid paying out. If your MOT is out of date, this would void your insurance thus they won't pay out. Do you honestly think an insurance company would be like "Oh you have no mot? few months out of date?? No problem sir, here is 6 grand to repair your car anyway"

:wall::wall::wall::wall::wall:

So basically MrP is talking sense. Your just reading it wrong.

[Andy_K]

Sure my insurance policy says in the terms and conditions small print that the policy is only valid provided that the vehicle to which it applies carries a valid MOT

[Leooo]

Sure my insurance policy says in the terms and conditions small print that the policy is only valid provided that the vehicle to which it applies carries a valid MOT


Yes it does and this is exactly what I am saying. I can't believe how naive some of the users on here are about insurance companies. Quite scary to be honest :panic:

[Leooo]

So basically MrP is talking sense. Your just reading it wrong.

No. He is saying if your car's mot is out then your insurance is still fine & valid. I am saying the opposite.

[scot-ish]

nah mate, you need to read the thread

if your MOT is out, on a routine stop, you will get the £30 fine

if your MOT is out, when you have an accident, this is the escape route for the insurance company, due to small print, usually claiming the car should have a valid MOT

[Leooo]

if your MOT is out, when you have an accident, this is the escape route for the insurance company, due to small print, usually claiming the car should have a valid MOT


Thanks, this is what I have been trying to get across.

if your MOT is out, on a routine stop, you will get the £30 fine

I'll take your word on this one. I just have this picture in my head of been pulled over by the worst cop ever, and him filing you for invalid insurance too. :afro:

[Leooo]

Also the fine is £60. Well that's what my grandads was anyway and I have it here :cool:

[LSOfreak]

if it voids insurance then why are you allowed to drive a car to an mot centre if its pre booked?

[Leooo]

if it voids insurance then why are you allowed to drive a car to an mot centre if its pre booked?

You answered your own question there :y:

[Andy_K]

Because how else would you get an MOT to make the car road legal?

[scot-ish]

Because how else would you get an MOT to make the car road legal?


trailer

http://i196.photobucket.com/albums/aa84/The-Grey-One/Simples.jpg

[Andy_K]

true lol.
but probably 99% of people dont have a trailer or car transporter, and wouldn't pay for one come MOT time, so there has to be some leeway (sp?).

[mattchewone]

If it invalidates your insurance why would they let you carry on your journey, as you would be driving illegally?

They are basically stopping you giving you a telling off and a fine and then asking you to carry on illegally. If you was to have a crash on your way home then you would be screwed as no MOT would mean No insurance, which would mean a lot of hassle.

MOT i thought only indicates that the car is fully roadworthy on that day of the test and doesnt mean that the car would not break or have a major fault a week later.

[Mr_P]

Read your MOT terms and conditions. There are only a tiny tiny percentage that specify the vehicle must have an MOT. If you have this insurance then you CANNOT drive to an MOT test centre if your MOT has expired because you're not covered.

Insurance policies ask you to keep the car in a roadworthy condition. Trying to get through to some people on here is unbelievable.

Leeroy or whatever it is. Just get on google and have a fucking search. ;)

[huggy54]

oh the accident was so not my fault, like i said, if it was where was the other guy. £800 worth of damage, and her family is blaming me. saying it has inconveinienced them alot and cost them as a result. they even said to me i fucked up their car and said if you didn't want to drive the car i shudda said no, they said no-one forced me.

thats a real kick in the teeth as i was doing them a favour which i didn't even wanna do.
anyway we split the cost of the car, but i'll say im not touching it again, they asked me to drive it to a mechanic to get it fixed and i told em you drive it im not touching it.

from now i wont drive peoples car, and they funny thing is this was the 1st time i drove their car.

[LSOfreak]

u settled for going 50% of costs :n:i would've fcuked off tbh

You answered your own question there :y:

you bloody goon! how does that answer my question. since when is it ever allowed for you to drive anywhere 'uninsured'?

[dannyboy2005]

TBh, YOUR the driver of the vehicle, its your responsibility to check its got a valid MOT, Tax and everything is legal.

I was once asked by my boss to drive his pick up truck. I had a quick look at the oil, water and tyres as it had been stod in the field for a few months.

Had 2 illegal back tyres.

I refused to drive it, consequently i got sent home with not full days wage. The following day he got them replaced.