Hit By Car With No Mot

[GypsyGSD]

What happens if your in a accident not your fault and the car has no valid mot

[GypsyGSD]

The car that hit you has no m.o.t just to make post clear

[TWR]

Was the car booked in & going for a MOT? "Some" insurance's Invalidates car's without a MOT, do you have the reg of the car? if you do, check up with the DVLA to see if it's taxed then take if from there.

[murraymints]

no MOT = no insurance ?

[Zacs-Master]

What have your insurers said?

[CrapAtCryptics]

Is your insurance one of those covered for drivers who are effectively uninsured as may be the case here.

[GypsyGSD]

My grandson was coming home from work late last night when he was hit by a car police were involved, but the other driver had no m.o.t my grandsons car is a right off

[Baldric]

check insurance here
http://askmid.com/
use
'Check askMID
Check your own vehicle for free'
section

[EDDIE51]

NO MOT DOES NOT MEAN YOUR INSURANCE IS NOT VALID !!!
No matter what many on here think.
No MOT is not a 'points' offence it is a fixed penalty only. So being found with no MOT will not increase your insurance premium when you renew either.
I know this for a fact due to my own experience. I was stopped for a spot check when driving late at night. The police found my MOT had expired the previous week, but actually told me it did not affect my insurance which they checked and found to be valid. I got a £60 fixed penalty for no MOT but no points on my licence.

[Peter Pedant]

Gypsy - o dear I had better not shorten that name !

you proceed in the usual manner with the claim.
Your grandson should send all the letters to the driver as well as the insurance company and the claim proceed anyway

if the fella has no insurance then he has to pay out of his own pocket

I agree with Ed that no MOT does not invalidate insurance or else everyone would do it and insurance policies would come down to
'you are insured except when you arent or there is a claim'
insurance companies raking in the premiums and always finding a reason not to pay out to a third party

so ... proceed as normal

[Baldric]

///being found with no MOT will not increase your insurance premium when you renew either.///
Not their car Eddie they're referring to the one that hit them if you read it.

[Peter Pedant]

I have had this run around
the lorry that wrote off car - the driver said correctly that his boss would pay
. the skool leva at the boss office said - oo we dont have no insurance or anyfing like that ! okay ...... ?
I said it wasnt OK

we went thro the MIB for uninsured drivers which I can say explicitly was NO help at all.

I went back to the boss and said fine I am gonna sue you personally
and he said - there is no need I am of course insured as a business man

I just couldnt believe the unnecessary run-around
and the length of time - at least twenty weeks

so the moral is
ignore all the excuses
and grind on regardless

[Old_Geezer]

I'd doubt that the lack of MOT will affect anything. Some years back I put my car in for a service AND MOT at the same time, and for some daft reason failed to notice that the MOT wasn't mentioned on return of the car. Typically I had need to show the MOT later that year. Can't recall the details but the lack of MOT didn't cause major ructions. I got a warning and whatever the rest of the incident was, it continued as normal.

[GypsyGSD]

Thank you all for your advice ,and reassurance, I'm just so relieved my grandson was no injured, and the other lads in the car did all they could and did not drive away, I will update as soon as I have more information x

[New Judge]

Of course Eddie and Peter are perfectly correct.

Having no MoT does not and cannot invalidate Third Party insurance required by law. The only reason an otherwise valid and paid for motor insurance policy can be invalidated against third party risks is if the driver is disqualified from driving. If you think this through it is quite obvious. As Eddie rightly says, having no MoT is not an endorseable offence and it carries only a fine. If having no MoT invalidated insurance then every driver found to have one would also be charged with the far more serious offence of having no insurance (which carries a minimum of six points). And quite simply, they are not.

[TWR]

I like to know if a death occurred due to a car / HGV or any vehicle that did not have an MOT, what would the Consequences be?

[ToraToraTora]

his insurance will pay out the the third party, ie your grandson. No MOT may make them pursue the insured driver or may make them not pay his claim if it's fully comp, but does not invalidate insurance.

[EDDIE51]

I was well aware that it was the other driver who had no MOT. I was just pointing out that no MOT does not invalidate your insurance and is not an endorsable offence.
Every time this question comes up some on here, some loudly proclaim that it invalidates your insurance.

[New Judge]

Yes Eddie, you're quite right. I don't know how these "Old Wives' Tales" originate. There are loads of them surrounding motoring law and I can only imagine they are born over a few beers in a pub and are simply bandied about as gospel knowledge.