No MOT hit a bus at 17yrs old
Discussion
Not having a valid MOT has no effect at all on insurance as others have said
I sometimes slip up and miss an mot date - I would NEVER drive without insurance.
My car was hit recently when stationary in a car park - no insurance claims made, my insurance company told me they did NOT need to know of any accidents where no claim was made by either party on any insurance company
Are you sure the brake lights on the bus were working?
Can you find out?
Idris
I sometimes slip up and miss an mot date - I would NEVER drive without insurance.
My car was hit recently when stationary in a car park - no insurance claims made, my insurance company told me they did NOT need to know of any accidents where no claim was made by either party on any insurance company
Are you sure the brake lights on the bus were working?
Can you find out?
Idris
Hi again, all an MOT proves is that on the day of the test the vehicle was roadworthy, we deal with numerous cars with MOT's that are not roadworthy, one of the most common faults being bald tyres or defective lights. Generally they are dealt with by means of defect tickets which gives the driver the oportunity of scrapping the car or fixing the defect within 14 days. I am surprised by the coments by idris the last form I filled in for insurance asked for any claims in the last 5 yrs and also any accidents in the last 5yrs. Police officers ocasionally get involved in chases etc where there is clearly no blame on their part yet we still have to inform our Ins Co. Still i'm a bit concerned re observation skill here, even without brake lights busses do not stop on a sixpence, in addition to that being behind a bus on a bus route is one of the most basic observation links, what do busses do at bus stops??. If you are behind a bus look for passengers standing up, look at the bus stops as you are approaching them, this is not aimed at daxtojero but all of you who are trying to come up with excuses for him, It would be very entertaining to interview some of you if you were involved in a similar accident. The bottom line after such an accident is hold yer hands up and tell the truth, its much easier to remember and you have a better chance of getting off with it, rather than comming up with some cock and bull excuse which 9 times out of 10 is an insult to the inteligence of most people capable of tying their own shoelaces. I know some out there have radical views on the inteligence of the average cop, but contry to that view some are quite sharp.
>> Edited by john robson on Tuesday 16th March 21:10
>> Edited by john robson on Tuesday 16th March 21:10
This is different, but might be slightly comforting:
A friend passed his test, but didn't send his provisional license off to exchange it for a full one within the 2 year period allowed. As a result his license had expired so he technically should not have been driving without supervision.
He had no idea that the limit had passed until the day he had an accident. Not quite sure of the details but I believe he hit someone from behind. Police and ambulance were called, even though nobody was injured, as all occupants of the car (a family) were suffering from greed-induced whiplash.
He got a producer and, of course, didn't have a license to produce. He had to take another test in order to get a full license again, but never heard anything off the police, despite talk of points on his license at the time.
A friend passed his test, but didn't send his provisional license off to exchange it for a full one within the 2 year period allowed. As a result his license had expired so he technically should not have been driving without supervision.
He had no idea that the limit had passed until the day he had an accident. Not quite sure of the details but I believe he hit someone from behind. Police and ambulance were called, even though nobody was injured, as all occupants of the car (a family) were suffering from greed-induced whiplash.
He got a producer and, of course, didn't have a license to produce. He had to take another test in order to get a full license again, but never heard anything off the police, despite talk of points on his license at the time.
john robson said:
I am surprised by the coments by idris the last form I filled in for insurance asked for any claims in the last 5 yrs and also any accidents in the last 5yrs.
Read idris's posta again; He is saying that his insurance company are not interested in knowing about any accidents where neither party made an insurance claim.
I did read the post, and I appreciate they may not be 'interested' in the accident from the point of it making a difference to the premium, as it will not affect the no claims discount, which is the same response I got when I notified my ins co regarding an incident at work where the cop car was rammed. However, when filling in the form for insurance they specifically ask for accidents you have been involved in, which includes any accident whether blameworthy or not. Ins companies only start to look closely at these points when they are presented with a substantial claim from you.
Re: Expired MOT
I wrote off my 400SE and only found out that the MOT had expired when I was filling out the claim form.
I sent off the old expired one hoping that they wouldn't notice
I remember receiving 2 letters from the insurance company on the same day, the first was asking for me to send ina current MOT certificate, the second was a cheque for the agreed value in full....needless to say I went straight down the bank with it and never spoke with insurance peeps again !
I wrote off my 400SE and only found out that the MOT had expired when I was filling out the claim form.
I sent off the old expired one hoping that they wouldn't notice
I remember receiving 2 letters from the insurance company on the same day, the first was asking for me to send ina current MOT certificate, the second was a cheque for the agreed value in full....needless to say I went straight down the bank with it and never spoke with insurance peeps again !margo said:
Is a vehicle without an MoT roadworthy ? Just a (rather worrying) thought
an mot isnt worth the paper its printed on once the car is moved off the bay,all an mot says is that at the time of testing the car was road legal...you could drive out and stuff on 4 bald tyres and remove all the bulbs if you felt like it....it'd still have 12 months ticket.
as for having no current mot,that used to be just a fine,no points.
Insurance companies do not ask for accidents in the last 5 years, they ask for Claims or Conviction whether your fault or not.
If you settle with the bus company away from the insurance they're not interested, you've made no claim.
You can also make a claim upto 3 months after the accident. So you can try and settle with the bus company before you even have to bother the insurance.
I'd speak to your insurer first though and tell them what you are doing. That way if the bus company say they are willing to talk cash but put a claim in, you don't look guilty for not having informed them.
I'd also imagine the bus company has it's own repair shop, so they're proably not bothered about the cost of the repair. However they might want compensating for the loss of money due to the bus being off the road.
I think you'd stuggle to prove the brake lights weren't working as I'm sure they will be now. In the eyes of insurers if you hit anything at the back it's automatically 75% your fault and when I say back that's anything behind the front bumper, presuming you're traveling in the same direction. I was told this by directline when a drunk driver overtook me on a dualcarrageway and decided he'd got passed so tried to re-enter my lane and basically bumper car'd the side of my car. The claim took forever to sort out and I feared the other guy would say I changed lanes (his word against mine) but thankfully the 75% rule was on my side.
If you settle with the bus company away from the insurance they're not interested, you've made no claim.
You can also make a claim upto 3 months after the accident. So you can try and settle with the bus company before you even have to bother the insurance.
I'd speak to your insurer first though and tell them what you are doing. That way if the bus company say they are willing to talk cash but put a claim in, you don't look guilty for not having informed them.
I'd also imagine the bus company has it's own repair shop, so they're proably not bothered about the cost of the repair. However they might want compensating for the loss of money due to the bus being off the road.
I think you'd stuggle to prove the brake lights weren't working as I'm sure they will be now. In the eyes of insurers if you hit anything at the back it's automatically 75% your fault and when I say back that's anything behind the front bumper, presuming you're traveling in the same direction. I was told this by directline when a drunk driver overtook me on a dualcarrageway and decided he'd got passed so tried to re-enter my lane and basically bumper car'd the side of my car. The claim took forever to sort out and I feared the other guy would say I changed lanes (his word against mine) but thankfully the 75% rule was on my side.
i have the same problem.i hit a trading van.and it was all my fault. i pulled out without checking(someone was flashing me to go though). our mot expired 20 days ago but the car had the service in march.we are scared that the insurance is not going to pay. many of you said that they have to pay atleast the third party. is it by law?
elettra said:
i have the same problem.i hit a trading van.and it was all my fault. i pulled out without checking(someone was flashing me to go though).
how bloody annoying is that? I know lots of people who have ended up in accidents after being waved/flashed out by someone.... I know people may come back on here and say "you should never take anyone elses word for x, y, or z", but in REAL driving that's hardly possible is it?
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff