Car written off. No MOT
Discussion
monkeyhanger said:
gently bentley said:
Yes I advised her to submit the paperwork and leave the mot until asked for.
Slightly O/T, but isn't the UK postal system terribly unreliable these days. It's a disgrace.
<awaits finger wagging from the usual suspect(s).
Except they're nearly all computerised now so easy to check.
gently bentley said:
Friend of mine totalled her car. Non reportable accident (i.e. no police) her MOT was 3 days out at the time. She is worried insurance will refuse to pay her out. Any thought people.
Unless the collision was a result of a defect in the vehicle, I can't personally see it making much difference.
Even then I can't see it resulting in a total non payment, just a percentage.
(IANAUT)
Might depend who's fault it was. Last time we had an accident I was driving my wifes car when it was rear ended. I approached a junction and stopped, vehicle behind thought I should keep going so he did. Trouble is it was a LWB Landrover with a large winch on the front. So car was a write off, AND I had forgetton to sort out the MOT, (and it was more than a few days!). We had witnesses who basically said the guy in the Landrover was a T
R because of the way he had been driving immediately before, and who had seen the accident. Insurance paid up, we even got the excess back of the other insurers.
R because of the way he had been driving immediately before, and who had seen the accident. Insurance paid up, we even got the excess back of the other insurers.Hollywood Wheels said:
I'll be amazed if the insurers ask for any documentation at all, I think she'll be fine. God god, I'm posting on SP&L again, I must stop.....
Think you are wrong. The important word in the post is 'totalled'. The vehicle will become property of the insurance company and believe me they will ask for V5 and MOT. I speak from experience.
kenp said:
Hollywood Wheels said:
I'll be amazed if the insurers ask for any documentation at all, I think she'll be fine. God god, I'm posting on SP&L again, I must stop.....
Think you are wrong. The important word in the post is 'totalled'. The vehicle will become property of the insurance company and believe me they will ask for V5 and MOT. I speak from experience.
A lot depends on the insurance company. I wrote an Astra off a few years ago, and the only paperwork they wanted was the V5 so it could be scrapped off (Cat B).
RichBurley said:
Yep - the insureer will ask for an MOT certificate, they *should* always ask for a current MOT and V5 document; no docs, no money. I don't think that there's a way around this.
Could you show us a link please to where you got this assertion? I've heard that it's no problem provided the car could have been MOTd ie, it wasn't a death trap pre crash. But they might reduce the payout a little. However, IANAL.
SM
Having dealt with 2 write offs (not my own - wrecked one of mine but never claimed) in the last year, I've not been asked for any of the documents relating to the car such as MOT etc.
You don't need an MOT to drive the car legally, if it's booked in and you're on your way there you're fine, and the insurance will tell you the same ordinarily. hint. hint.
You don't need an MOT to drive the car legally, if it's booked in and you're on your way there you're fine, and the insurance will tell you the same ordinarily. hint. hint.
supermono said:
RichBurley said:
Yep - the insureer will ask for an MOT certificate, they *should* always ask for a current MOT and V5 document; no docs, no money. I don't think that there's a way around this.
Could you show us a link please to where you got this assertion? I've heard that it's no problem provided the car could have been MOTd ie, it wasn't a death trap pre crash. But they might reduce the payout a little. However, IANAL.
SM
Why does there have to be a "link" to everything?!?
I used to work for a law firm that was the legal arm of one of Britain's largest car insurance companies, and dealt with 400 Road Traffic Accident Personal Injury claims at any one time. Insurers *should* ask for the V5 document and MOT certificate on every claim where the car is written off, or frankly, even when a repair is effected.
No link necessary, my friend!
BTW, it's not easy to show that a car that has been written off *could* have been successfully mot'd. Brake test efficiency, emissions etc cannot be proven can they?
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