Accident with no MOT
Discussion
Hi people!
I recently had an accident with another car, my car turned out to be a right off but the damage to the other car was minimal, only the rear door was damaged. Police attended the scene of the accident and gave me and the third party a producer and they were on their way. I got home and checked all my papers for the car, had my insurance certificate, road tax was valid but the date on my MOT was 1 month past due! I'm only 18 and have been driving for 7 months and really thought that I had MOT covered for a year. Well, I was gutted realising I had no MOT (does that make my insurance with CIS invalid? -FULL COMP-). I have already put a claim through to CIS and yet have to produce my documents to the police station (2 days left). I am wondering what is going to be the likely outcome of my situation. Will I get my licence taken away from me and my insurance void? Will I get any points on my licence?
I can't get to sleep at night thinking about it!
Thanks in advance
I recently had an accident with another car, my car turned out to be a right off but the damage to the other car was minimal, only the rear door was damaged. Police attended the scene of the accident and gave me and the third party a producer and they were on their way. I got home and checked all my papers for the car, had my insurance certificate, road tax was valid but the date on my MOT was 1 month past due! I'm only 18 and have been driving for 7 months and really thought that I had MOT covered for a year. Well, I was gutted realising I had no MOT (does that make my insurance with CIS invalid? -FULL COMP-). I have already put a claim through to CIS and yet have to produce my documents to the police station (2 days left). I am wondering what is going to be the likely outcome of my situation. Will I get my licence taken away from me and my insurance void? Will I get any points on my licence?
I can't get to sleep at night thinking about it!
Thanks in advance
I can't give any authoritative answers but not having an MOT doesn't seem to invalidate the insurance according to thie thread:
www.pistonheads.co.uk/gassing/topic.asp?t=96561&f=10&h=0
www.pistonheads.co.uk/gassing/topic.asp?t=96561&f=10&h=0
Your insurance will still be valid unless it specificaly states otherwise in the small print. In any case they will pay out for the third parties loss (presuming it was your fault). They will probably pay out for yours (unless as stated an MOT is explicity required under there T&C's), but you can expect to receive less money for your car. After all, a car without an MOT is worth less than one with.
Having No MOT is not an endorsable offence AFAIK, but it does carry a potential fine of (I think) up to £1000.
Having No MOT is not an endorsable offence AFAIK, but it does carry a potential fine of (I think) up to £1000.
When you said you thought you had a years MOT, is that from the time you got the car? Did you buy it from a dealer? if so its quite likely you did, are you sure there is not another MOT kicking about?
Is your car drivable/mot'able? if so get an MOT and take that to the station when you produce your Doc's and produce BOTH Mot's.
Sounds like a genuine oversight, and you sound like a genuine person, if you appologise for the oversight, you may get away very lightly. Don't try and hide it, they'll think you're taking them for a fool.
When you said you thought you had a years MOT, is that from the time you got the car? Did you buy it from a dealer? if so its quite likely you did, are you sure there is not another MOT kicking about?
Is your car drivable/mot'able? if so get an MOT and take that to the station when you produce your Doc's and produce BOTH Mot's.
Sounds like a genuine oversight, and you sound like a genuine person, if you appologise for the oversight, you may get away very lightly. Don't try and hide it, they'll think you're taking them for a fool.
Mannix, you need to take the documents you do have to the Polcie station before the 7 day limit runs out. You may well be cautioned by the person that you produce your documents to, and they may also tell you that you're being reported for failing to produce an MOT/using motor vehicle without an MOT.
If convicted, you won't get points for no MOT, and unless it is expressly required in your insurance, this shouldn't be invalidated by not having an MOT.
Double check you haven't got another MOT that was valid at the time of the collision.
Consider getting yourself a diary or year planner, and put in A WEEK BEFORE (at least) when your MOT, TAX, Insuarnce etc need renewing, so hopefully this doesn't happen again in the future. I do this, as with the state of the Royal Mail, you can't always guarantee getting a reminder through the post.
If convicted, you won't get points for no MOT, and unless it is expressly required in your insurance, this shouldn't be invalidated by not having an MOT.
Double check you haven't got another MOT that was valid at the time of the collision.
Consider getting yourself a diary or year planner, and put in A WEEK BEFORE (at least) when your MOT, TAX, Insuarnce etc need renewing, so hopefully this doesn't happen again in the future. I do this, as with the state of the Royal Mail, you can't always guarantee getting a reminder through the post.
Hi mate, just read your post. This happened to me about 3 years ago. I was involved in an accident, technically my fault(was already an accident happened on a busy dual carriageway, people were stopping to gooseneck at the crash. I was pulling out of a side road, into the central reservation, cars in my inside lane had stopped, and I was waived out, so I edged out, stopped, checked the outside lane, clear, checked the central reservation, clear, pulled out, BANG, hit on drivers side door at around 40mph!! The other driver was flying up the outside lane, looking at the first crash, not the road and hit me. My fault as I pulled out into his path!!)
Anyway my pride and joy (Citroen BX 16Valve, yeah I know, but try one, there ace) was a right off and his car, a volvo S40 was badly damaged too. Anyway, turns out he wasnt insured, but also my MOT had ran out the week previous, bummer.
So in the end I had to pay a fixed penilty via the courts of I think it was around £80. No points, insurance fine etc so was ok I guess. The only thing is, if you like the plate on the car you cant keep it as you dont have a valid MOT for the car.
Anyway my pride and joy (Citroen BX 16Valve, yeah I know, but try one, there ace) was a right off and his car, a volvo S40 was badly damaged too. Anyway, turns out he wasnt insured, but also my MOT had ran out the week previous, bummer.
So in the end I had to pay a fixed penilty via the courts of I think it was around £80. No points, insurance fine etc so was ok I guess. The only thing is, if you like the plate on the car you cant keep it as you dont have a valid MOT for the car.
sorry just read your post again, and saw the bit about when you go to the station etc.
When I went, the woman on the front desk just took the details, she photocopied the docs and filled out a special form (from what I can remember, as normally they just tick the back of the producer and stamp it to say all is well, but this time she filled out a different form). I then got a letter through the post regarding the matter and just took it from there, I think I wrote a letter to the courts stating that I was a 'poor student' (at the time), final year at uni, pressure of exams and coursework etc, honestly forgot about the MOT, thought I had another month to go, the car was in tiptop condition etc and I was extra sorry.
When I went, the woman on the front desk just took the details, she photocopied the docs and filled out a special form (from what I can remember, as normally they just tick the back of the producer and stamp it to say all is well, but this time she filled out a different form). I then got a letter through the post regarding the matter and just took it from there, I think I wrote a letter to the courts stating that I was a 'poor student' (at the time), final year at uni, pressure of exams and coursework etc, honestly forgot about the MOT, thought I had another month to go, the car was in tiptop condition etc and I was extra sorry.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff