Hi I am new

[daftmoo]

I have recently had a accident and have to produce my documents. I noticed my MOT which I thought was up for renewel in may ran out just under a month ago. It is a genuine mistake which I can't rectify because the guy who ran the red light and hit me managed to overturn my car and write it off. The Police at the scene did check both cars and were happy that they were roadworthy.
Am I right in thinking that my insurance will charge me for any services they have now provided for me and I will lose my cars value but they will pay anything found to be due to the 3rd party and that I can expect to be fined? How much doo doo am I in?

[daftmoo]

Thanks for replying. The other guy is disputing what happened. I have got my own legal advice seperate from my insurance for that although I beleive it could just go 50/50??

I feel so stupid!!

[daftmoo]

There is a witness but they are not keen on being involved.

Thanks again

[daftmoo]

Thanks again!! Yes he hit me side on, my personal solicitor, not assosiated with the insurance company takes your view re the accident. My own insurance company were dismissive of the facts and didn't seem that bothered that this person could have killed me and my child or about him denying liability and attempting to say I was at fault!

[daftmoo]

Thanks everyone again More questions!!

So The worst that could happen re the mot is a fine and The worst that could happen re the insurance may be a reduced pay out?


I knew the car was ok as although female I do all the engine checks and tyre checks because my oh is not car minded.
I do hope your right about the person who hit me having to prove that I was the cause of the accident as I know I wasn't and goodness knows what they will do to the next person!!

If I want to get insured meanwhile on another vehicle do I have to wait until this is all sorted?