Hit At A Roundabout, Guy Drove Off And Denied Accident When He Finally Stopped (Also I Dont Have An Mot)

[sarcinarious]

I'm in a bit of a predicament here. A lorry cut into my lane on a 2 lane roundabout and shoved me over onto the roundabout. They did not stop and I followed them to their destination. The driver denied everything asking where was the damage on his vehicle (as if hitting tires against my bumper would cause damage to him) and would not give me his name.

He was quite hostile so I just took his reg number and the name of the company he works for then left. Now I was going to file a police report but just checked and my MOT has run out. I don't know what to do. I have no witnesses, so it's just his word against mine. he's completely scuffed up my bumper but it's a bit of an old banger anyway so I don't really care. I'm going to sort out the MOT tomorrow.

[maggiebee]

I would contact his company and put in a complaint. Filing a complaint with the police would be the obvious route, but..... you might end up being charged with driving without an MOT. Think you're in between a rock and a hard place with this one.

[elliemay1]

I think you'll just have to put this one down to experience. If you have no MOT then you're not legally supposed to be on the road.

[fiction-factory]

I don't think it invalidates the insurance though

[elliemay1]

"he's completely scuffed up my bumper but it's a bit of an old banger anyway so I don't really care."

In that case I'd just let it go.

[sarcinarious]

I think you're right Ellie. I will just let it go annoying as it is. I think I'd get in much more trouble than him by reporting it.

[sarcinarious]

Annoying due to his attitude, not that actual damage.

[EDDIE51]

No mot DOES NOT invalidate your insurance !!
You can still report him.
But if you claim on your insurance you will pay extra for the next 3 years even though it was not your fault. This because making any claim at all even when 100% innocent gives you a 'claim history' and the insurance companies assume you are then more likely to make future claims.
No MOT is a £60 fixed penalty but no licence points, I know I got one myself, and it did not affect my insurance.

[Baldric]

Max. penalty for no MOT is £1000.

https://www.gov.uk/guidance/the-highway-code/annex-5-penalties

[THECORBYLOON]

EDDIE it is not cut and dry since it depends upon the policy, third party should be covered but not necessarily anything else.

[EDDIE51]

Baldric it was £60 when I got done but that was 5 years ago.

[Baldric]

"Penalties and The Highway Code" section of link says £1000. maximum

[sddsddean]

...and this is why you should ALWAYS ALWAYS give way to, and stay behind, a truck on a roundabout. They need more room, will cut in to lanes etc. See rule 187 of the Highway Code.

[New Judge]

Yes, the maximum fine for no MoT is £1,000. So is the maximum for speeding (unless on a motorway, when it is £2,500) but few, if any drivers are fined anything like that sum.

The vast majority of No MoT cases are dealt with by way of a fixed penalty (£100 - no endorsement/penalty points are available for the offence). Unlike speeding there are no grades of seriousness about having no MoT - you either have one or you do not. For that reason very few end up in court and those that do are usually accompanied by more serious offences (the most popular "trilogy" being No Licence, No Insurance and No MoT).

Those that are dealt with in court usually see a maximum fine of half a week's net income (reduced by a third for a guilty plea) although very often, when there are accompanying offences, many are dealt with on a "totality" basis and may simply see a token fine of £50 or so imposed in addition to more substantial fines imposed for the more serious offences.

[Bazile]

Just to clarify something here -

If he reports it to his insurer , but do not make a claim for repairs - how would that affect his future premiums ?

[Peter Pedant]

If you have no damage -then you may as well leave it

BUT - I have to say in a micra - a lorry sort of crushed me in the inside lane - and I have to say from the drivers point of view with the lorrys wheels coming towards you , I can say I was terrified. [ deep curb - me - lorry ]

and so I rang the employer - and 'explained'
and he said - I will look at the tachometer ....
andI leftt it at that

and then at the lights - another car stopped and a black fella came out and started threatening him - I rolled down my window and shouted 'he's just done the same to me ! '

[furrypusscat]

He may not have realised he hit you. I am not saying you were at fault but you should always allow more room for a long vehicle, coaches included as they do take up more room and cannot stay in the lane meaning that if you were up his side then you should have held back a little until you could see where his rear end was going. If you have never driven anything but a car you don't tend to realise this. Re MOT, if there is not that much damage to your car I would put it down to experience and wouldn't bother pursuing just get your MOT done.

[EDDIE51]

Bazile even if you don't claim your insurance would be aware that you have been in an accident and can take that information into account when you ask for a quote.