no mot and a crash!
Discussion
I recently had a crash in my car, I was fullt insured but somehow I didn't realise my mot had expired! I have to show my documents to police in a week and dont know what to do. I want to join polise but fear this may have ruined that! If it invalidates my insurance will I have to pay for the guys car!? Im a student and have little savings : ( Any advice is really appreciated guys!
There's no getting away from the fact that you've committed an offence, but don't panic too much just yet.
Take all your documents, including your expired MOT certificate, down to the Police station within the 7 days of the producer. That way, you'll avoid additional offences, such as failing to produce, no insurance etc.
If the test certificate is out of date, the Police officer or counter clerk will tell you that you're being reported for using the car with no test certificate. They'll then caution you in the normal way and ask you if you want to make any reply. Give them a one line reply to the effect that you're very sorry and it was an oversight on your part.
It could go one of two ways. If the MOT has only very recently run out, then some forces issue a caution for the offence, which means no further action. If it's been out for a while, or if your force doesn't offer the caution option, then you'll recieve a summons to court. No MOT on it's own is usually something you can plead guilty to by post, and you can include a letter of apology to the court, explaining why you overlooked the test and that it was a one-off. This will be read in court as mitigation, and I wouldn't expect them to be too harsh with you.
And a conviction for a minor motoring matter won't go against you when applying for the Police, as long as you're honest and you declare it.
Take all your documents, including your expired MOT certificate, down to the Police station within the 7 days of the producer. That way, you'll avoid additional offences, such as failing to produce, no insurance etc.
If the test certificate is out of date, the Police officer or counter clerk will tell you that you're being reported for using the car with no test certificate. They'll then caution you in the normal way and ask you if you want to make any reply. Give them a one line reply to the effect that you're very sorry and it was an oversight on your part.
It could go one of two ways. If the MOT has only very recently run out, then some forces issue a caution for the offence, which means no further action. If it's been out for a while, or if your force doesn't offer the caution option, then you'll recieve a summons to court. No MOT on it's own is usually something you can plead guilty to by post, and you can include a letter of apology to the court, explaining why you overlooked the test and that it was a one-off. This will be read in court as mitigation, and I wouldn't expect them to be too harsh with you.
And a conviction for a minor motoring matter won't go against you when applying for the Police, as long as you're honest and you declare it.
insurance have to pay out for third party no matter how stupid you are
they may try to recover money from you and probably wont want to pay for your damages
all assuming it was your fault?????
no MOT they treat speeders harsher and no points for mot as far as i know
i assume this is a first offence thats why you are bricking it
welcome to the club and the brushes with the law wil continue
suprised police turned up how bad was it
they may try to recover money from you and probably wont want to pay for your damages
all assuming it was your fault?????
no MOT they treat speeders harsher and no points for mot as far as i know
i assume this is a first offence thats why you are bricking it
welcome to the club and the brushes with the law wil continue
suprised police turned up how bad was it
Thanks guys! mot expired 10 days ago, Do you think insurance will refuse to pay then!? Any ideas what will happen in that case? I was going to try to pre booked appointment from a friend i know to say I was going to fix it next week(a bit dodgy) That way insurance might cover. What will happen if I cant pay? Will they definetely chech it(insurance comp)?
Peanut 5 said:
Thanks guys! mot expired 10 days ago, Do you think insurance will refuse to pay then!? Any ideas what will happen in that case? I was going to try to pre booked appointment from a friend i know to say I was going to fix it next week(a bit dodgy) That way insurance might cover. What will happen if I cant pay? Will they definetely chech it(insurance comp)?
The insurance company can't avoid their liabilities in respect of a 3rd party.
If you are fully comp it can compromise any claim you make for your vehicle, particularly where a vehicle defect is alleged to be a contributory factor in the collision. (The insurance company can sue you for their losses, but I personally think that would be unlikely (but IANAL), unless as I say a vehicle defect was a contributory factor).
Not having the MOT doesn't mean your insurance is invalid either. The sort of thing that does is where you are engaged in an activity that they don't cover under any circumstances (i.e. you were using the vehicle for hire & reward whne they don't offer any hire & reward policy at all).
Edited by vonhosen on Tuesday 13th March 13:09
Is you car a write off or repairable. If repairable, I won't worry too much since your insurers probably wont want sight of your MOT.
If you car is written off, without you MOT it may invalidate your insurers, check the small print, if not, they may reduce the offer for your car.
IMHO, disclose the facts straight away that you don't have an MOT and see what happens, not point worrying, what's done is done so face the music, you may be able to ride through it with no problems.
Good Luck
If you car is written off, without you MOT it may invalidate your insurers, check the small print, if not, they may reduce the offer for your car.
IMHO, disclose the facts straight away that you don't have an MOT and see what happens, not point worrying, what's done is done so face the music, you may be able to ride through it with no problems.
Good Luck
R_U_LOCAL said:
There's no getting away from the fact that you've committed an offence, but don't panic too much just yet.
Take all your documents, including your expired MOT certificate, down to the Police station within the 7 days of the producer. That way, you'll avoid additional offences, such as failing to produce, no insurance etc.
If the test certificate is out of date, the Police officer or counter clerk will tell you that you're being reported for using the car with no test certificate. They'll then caution you in the normal way and ask you if you want to make any reply. Give them a one line reply to the effect that you're very sorry and it was an oversight on your part.
It could go one of two ways. If the MOT has only very recently run out, then some forces issue a caution for the offence, which means no further action. If it's been out for a while, or if your force doesn't offer the caution option, then you'll recieve a summons to court. No MOT on it's own is usually something you can plead guilty to by post, and you can include a letter of apology to the court, explaining why you overlooked the test and that it was a one-off. This will be read in court as mitigation, and I wouldn't expect them to be too harsh with you.
And a conviction for a minor motoring matter won't go against you when applying for the Police, as long as you're honest and you declare it.
Take all your documents, including your expired MOT certificate, down to the Police station within the 7 days of the producer. That way, you'll avoid additional offences, such as failing to produce, no insurance etc.
If the test certificate is out of date, the Police officer or counter clerk will tell you that you're being reported for using the car with no test certificate. They'll then caution you in the normal way and ask you if you want to make any reply. Give them a one line reply to the effect that you're very sorry and it was an oversight on your part.
It could go one of two ways. If the MOT has only very recently run out, then some forces issue a caution for the offence, which means no further action. If it's been out for a while, or if your force doesn't offer the caution option, then you'll recieve a summons to court. No MOT on it's own is usually something you can plead guilty to by post, and you can include a letter of apology to the court, explaining why you overlooked the test and that it was a one-off. This will be read in court as mitigation, and I wouldn't expect them to be too harsh with you.
And a conviction for a minor motoring matter won't go against you when applying for the Police, as long as you're honest and you declare it.
Just to add to that and before you do anything; get to your local MOT station and see if the car will pass.
If it does you are going into the police station with a brand new MOT that demonstrates both your integrity and the desire to instantly correct your oversight and also the fact that the car was legally capable of passing the test.
Will go a long way with the police.
vonhosen said:
10 Pence Short said:
I had a write off last year, the car was insured by Elephant. In their conditions, if the car had no MOT, then they were able to deduct 10% from the value of the payout.
For you, not the 3rd party though.
Of course. Sadly my accident involved serious injuries to a third party, for which my insurance will hopefully provide a large payout.
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