driving with out mot

[cassey]

a couple of days ago i was hit from behind by another car as i stopped at a set of traffic lights. the driver claimed responsibility and admitted it was his fault , we exchanged details..... when i returned home to check all vehicle certificates i realised that my mot had expired 2 1/2 months ago.( this was the first time i have used the car since the mot had expired) i have a valid insurance and road tax certificate. will i now be responsible for both vehicles as i was not meant to be on the road or will his insurance company just not pay for my damage. and what are the legaly repercussions to myself!!!

[NORMANTHEDOG]

were the police called to the accident,if they were and you have to produce your docs,then that could cause a lot of problems for you.

[cassey]

no police were called to the scene

[Gef]

My car was hit last June and written off. The other driver admitted responsibility and I was never asked about my MOT or tax.

However, that might have been because the insurance company could have checked online that they were valid.

[Electrochem]

First of all, how the heck can you "just realise" that your MOT expired 2.5 months previously.

It is quite likely that any insurance company will look for a get out and it is very easy for them to check the relevant databases.

Learn from your mistake.

[NORMANTHEDOG]

if they do check about your mot,they will not pay out on your car,and possibly the other driver or his insurance company could sue you for his damage,as you should not have been on the road,a very hard way to learn a lesson.

[dilligaf]

Just keep quiet about it.
I doubt if it is a straightforward claim where the other party has admited liability that your MoT certificate will be questioned but if so you will not be liable for the cost of repair.

Lesson learnt???

[Loosehead]

As above, MOT details are readily available online. At best the other driver's insurance will use it as an excuse to not pay for your damage at worst they may force you to pay for their clients damage, your own insurers will undoubtedly also use it as an excuse so you may well have to pay personally for the whole lot.

[Loosehead]

Oh and if the Police get involved you'll be prosecuted for no MOT, which I beleive is a fixed pen 3pts + �60. If the police do not get involved you'll probably not be prosecuted.

[cassey]

my wife was in the vehicle when the accident took place she has come home from work today complaining of pains in her back , neck and leg. My neck and back after spending a day at work after the accident are also painfull my hand and fingers go numb as well if i hold something for a few min (right hand only), this has all been since the accident took place . we have both booked an appointment with our doctor for the 9th may. would we be able to claim for personal injury through an independent law firm.

[dilligaf]

If it's whiplash you certainly want to see a doctor before 9th May.

[cassey]

thanks for the advice we will certainly try get an earlier appointment but the one offered was the earliest we could get at our registered doctor.

[dilligaf]

If it was an injury caused by an accident go along to the A&E at your local hospital.
If it is your intention to seek compensation for injury, it will not add credibility to your claim waiting so long for treatment.

[Sasha13]

Geez - so not only did you have no MOT (meaning your car could have been a potential death trap which caused an accident), now you've decided that you have whiplash and want compensation?

What the hell is going wrong with this country?

[snapper50]

Anyone without MOT is committing an offence. Insurance, if they find out may not pay out as the policy usually stated that you should have road tax and MOT where applicable. Currently you could be issued with a ticket for �60 (no points) OR reported for Summons to attend court.
Technically, you should not be driving it on the road as it likely does not meet the 'terms' of your insurance. So no insurance could result in your vehicle being seized !!!