I Have No Mot Or Tax And Had A Crash

[dougieball]

i have had a crash, the fault of which i am unsure i would say 50/50 at a guess. as the title shows i had no mot or tax. i had my car booked in for an mot the day after. i was driving in the opposite direction of the mot facility when the crash happened.
i have insurance though not sure whether it is valid, also i have not got a clue who i am insured with so have no way of contacting them.
i asked the guy whether he could hold out on notifying the insurance companies until the day after, to which he agreed but after trying to contact him he is not answering his phone.
i am truly lost to what to do or how to go about the situation, any help would be much appreciated.
thanks

[dougieball]

i moved house 2 times in a month while having a knee operation, it was a very stressful period while also being treated for depression.
i some how just forgot to tax my car I'm afraid

[bednobs]

i completely agree how easy life admin is to overlook, i was just commenting i am amazed they haven't caught up with you

[Islay]

If in future you pay your road tax by direct debit you don't need to renew it as long as you pay the dd everymonth you will have car tax.

[dougieball]

thanks islay already done.
its just been a bit of a mess, but thank you all for your reviews on the matter. it is much appreciated

[Davemano]

You say t.o Islay 'already done', but you can't do it without MOT. DVLA know whether or not you have Insurance or MOT.

[dougieball]

i got mot done today, and taxed straight after but that is an interesting point, so if i forget my mot next year will i still be taxed?

[Islay]

Do you not get an MOT reminder? Here in NI we get a reminder about a month before its due.

[dougieball]

nope

[EDDIE51]

You can get insurance without an MOT as you can legally drive without an MOT as long as you are driving direct to a prebooked MOT test. You can even drive home again if the car fails the MOT, but you can't drive without insurance at all.

[tonyav]

Different rules in NI, the MOT reminder service finished here in Aug 2014.
https://www.gov.uk/getting-an-mot

[Islay]

Interesting Tony - maybe they should reconsider and reinstate it!!

[tonyav]

maybe they should reconsider and reinstate it!!

So do I, I don't know why they stopped it in the first place ( unless it is a Gov money saving thing ).

[EDDIE51]

^ Is it possible they stopped it so as to make more money from penalties for not having a valid MOT? Or are the government not that nasty?

[tonyav]

Ohhhhh surely not ! ! !

[Davemano]

I think most people receive an MOT reminder from the place where their last certificate was issued.

[Davemano]

Just as a matter if interest, I have never received an MOT reminder from the government. The only times that the government made reference to an MOT was and is, on the V11 taxing notification.

[New Judge]

No there has never been an MoT reminder service from the government in England & Wales as far as I know.

“You need to report the accident to the police .”

He does not providing details with interested parties were exchanged – which it seems they were.

“There is no such thing as paperless insurance , you must have a printed policy document, that is law.”

I have had no printed documents sent to me by my insurers for at least the last three years. I have .pdf documents provided by them either by e-mail or from their website which I may or may not print as I choose.

“You do need to tell the police as offences have been committed and the accident has not been reported to insurance”

Again, not so. Section 170 of the Road Traffic Act says this:

170 - Duty of driver to stop, report accident and give information or documents.

(2)The driver of the mechanically propelled vehicle must stop and, if required to do so by any person having reasonable grounds for so requiring, give his name and address and also the name and address of the owner and the identification marks of the vehicle.

(3 )If for any reason the driver of the mechanically propelled vehicle does not give his name and address under subsection (2) above, he must report the accident.

(4) A person who fails to comply with subsection (2) or (3) above is guilty of an offence.

There is a simple way to remember when Tax, MoT and Insurance expires:

1. Get a bit of paper and a felt tipped pen
2. Write on the paper, with the pen:
Tax expires on dd/mm/yy
MoT expires on dd/mm/yy
Insurance expires on dd/mm/yy

3. Stick the bit of paper somewhere prominent on the dashboard or perhaps the lid of the glovebox.

4. Look at the bit of paper from time to time when you get into the car.

[Davemano]

NJ - Sub Secs 2 and 3 were pointed out on my 20.03 post and again clarified at 2015 for Eddie's mistake.

[Davemano]

^^^ I missed off - you give more detail.

[dougieball]

Thank you new judge