Non fault accident, mot lapsed.
Discussion
First post so be gentle and hello!
I have a question/advice I would like from fellow PHeaders. Mosts of my googling comes up with results from here.
Day before Christmas eve a local Bobby pulled me to notify me my MOT had lapsed, quick kick of my tyres (brand new two weeks prior) and he said merry Christmas and sort your MOT out. Phew cheers mate. Please don't berate me I know this is my fault, I don't expect any reminders etc my fault, sorry!
So I drove straight home, knowing nowhere would take me in for an MOT at 4:45pm day before xmas eve. When I got home, I rang the local garage and booked an MOT at the next available date which was the 29th.
This is where my previous good luck with the old bill falls apart. Early hours xmas morning another car/driver smashes in to my parked car, driving off to his house without leaving any details. When I discovered what had happened a few hours later I picked up the parts of his car and was able to identify who had done the damage. A local teenager, living just up the road. Front of his car smashed to bits. I knock the door chaos ensues but he admits liability to me, his mum and the police who were called.
His insurnace contact me on the 27th, when they reopened after the xmas break. They arranged a hire car and took my car off to be assessed.
7 days later they inform me it is a total loss. I am awaiting a settlement figure.
My question is how will I fair bearing in mind my car had no mot at the time of accident, although I did have one booked and can prove this if needed. Car has full service, new brakes a month before and new tyres two weeks before(both of which I can prove). I would say the car was in roadworthy condition however yes I did forget my mot...
I am claiming from the third parties insurnace. I am aware no mot does not mean no insurnace, although not sure how that would work as my contract is not with his insurnace anyway.
As I said I have googled and most answers came from here, namely dacouch(?). I would appreciate advice and not a telling off you can't possibly worry me any more than I already am.
Thanks,
I have a question/advice I would like from fellow PHeaders. Mosts of my googling comes up with results from here.
Day before Christmas eve a local Bobby pulled me to notify me my MOT had lapsed, quick kick of my tyres (brand new two weeks prior) and he said merry Christmas and sort your MOT out. Phew cheers mate. Please don't berate me I know this is my fault, I don't expect any reminders etc my fault, sorry!
So I drove straight home, knowing nowhere would take me in for an MOT at 4:45pm day before xmas eve. When I got home, I rang the local garage and booked an MOT at the next available date which was the 29th.
This is where my previous good luck with the old bill falls apart. Early hours xmas morning another car/driver smashes in to my parked car, driving off to his house without leaving any details. When I discovered what had happened a few hours later I picked up the parts of his car and was able to identify who had done the damage. A local teenager, living just up the road. Front of his car smashed to bits. I knock the door chaos ensues but he admits liability to me, his mum and the police who were called.
His insurnace contact me on the 27th, when they reopened after the xmas break. They arranged a hire car and took my car off to be assessed.
7 days later they inform me it is a total loss. I am awaiting a settlement figure.
My question is how will I fair bearing in mind my car had no mot at the time of accident, although I did have one booked and can prove this if needed. Car has full service, new brakes a month before and new tyres two weeks before(both of which I can prove). I would say the car was in roadworthy condition however yes I did forget my mot...
I am claiming from the third parties insurnace. I am aware no mot does not mean no insurnace, although not sure how that would work as my contract is not with his insurnace anyway.
As I said I have googled and most answers came from here, namely dacouch(?). I would appreciate advice and not a telling off you can't possibly worry me any more than I already am.
Thanks,
I'd only disclose it if they ask, either implicitly or explicitly. However I'd say with the evidence stacked against the kid, and the fast you both booked it and the police pulled you and let you go on, you've got a good chance it won't make a difference.
Saying that though, if they have the chance to save money by not having to give you anything then they could go that route...
Saying that though, if they have the chance to save money by not having to give you anything then they could go that route...
I don't know where this lot ^ are getting their information from, but while your claim won't be prejudiced your car had no MOT will be valued accordingly come settlement time so it will affect your claim.
Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
BritishRacinGrin said:
I don't know where this lot ^ are getting their information from, but while your claim won't be prejudiced your car had no MOT will be valued accordingly come settlement time so it will affect your claim.
Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
I don't know where you ^ are getting your information from. Real life experience here says that as long as the car truly was roadworthy then it won't make the slightest difference.Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
The Moose said:
BritishRacinGrin said:
I don't know where this lot ^ are getting their information from, but while your claim won't be prejudiced your car had no MOT will be valued accordingly come settlement time so it will affect your claim.
Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
I don't know where you ^ are getting your information from. Real life experience here says that as long as the car truly was roadworthy then it won't make the slightest difference.Bad luck OP it's easily done- and unfashionable though it is I'd say good on the police for informing you rather than coming down on you like a ton of bricks.
The Moose said:
I don't know where you ^ are getting your information from. Real life experience here says that as long as the car truly was roadworthy then it won't make the slightest difference.
You think that the insurance company will value a car with no MOT at the same amount as an identical car with an MOT?Thanks for the replies.
I admit an odd situation and a bad luck.
The previous mot ran out about two weeks prior. Innocent mistake, I do feel ashamed being a petrol head and forgetting my MOT. I would bet my house it would pass an MOT, prior to the accident. Recent, bushes,tyres and brakes etc.
Good point RE smashing in to a garden wall.
Still waiting on his insurnace with a settlement figure. How long after declaring it a write off should I normally have to wait?
Thanks again.
I admit an odd situation and a bad luck.
The previous mot ran out about two weeks prior. Innocent mistake, I do feel ashamed being a petrol head and forgetting my MOT. I would bet my house it would pass an MOT, prior to the accident. Recent, bushes,tyres and brakes etc.
Good point RE smashing in to a garden wall.
Still waiting on his insurnace with a settlement figure. How long after declaring it a write off should I normally have to wait?
Thanks again.
TwigtheWonderkid said:
Riley Blue said:
Why wouldn't they when it had a test booked?
Because the offer will be based on market value at the time of the loss. And at the time of the loss it had no MOT. This has happened to a couple of people I know, and both had their payout reduced but circa 10%.No MOT (or no road tax)will not invalidate your insurance either as so many imbeciles like to crow, an MOT is only worth the paper it is written on at the time it is produced, a car is quite capable of being totally unroadworthy & dangerous yet still have an MOT.
BritishRacinGrin said:
The Moose said:
I don't know where you ^ are getting your information from. Real life experience here says that as long as the car truly was roadworthy then it won't make the slightest difference.
You think that the insurance company will value a car with no MOT at the same amount as an identical car with an MOT?Any further questions?
Bowen86 said:
Thanks for all the replies and reassurance.
My own fault mixed with bad luck.
I am being honest and can prove I had a pre booked mot and recent receipts for bushes, discs, pads and tyres.
Feel stupid as a petrol head taking pride in my car and missing my MOT.
Surprisingly easy to do tbh. In my younger days I'd change cars quite frequently and it was a nightmare remembering when the MOT was due. Thank The Lord for IPhones that sync with iPads that sync with Exchange My own fault mixed with bad luck.
I am being honest and can prove I had a pre booked mot and recent receipts for bushes, discs, pads and tyres.
Feel stupid as a petrol head taking pride in my car and missing my MOT.
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