Accident & MOT?

happy_2008

happy_2008

happy_2008

Soldato
Joined
27 Aug 2005
Posts
3,753
Need some advice people regarding a accident and a recently expired MOT! My colleague was involved in a RTA on 4th April 2009 where he was hit by another motorist pulling out of a junction without looking. However upon checking all his details to go through insurance, he noticed that his MOT had expired on the middle of March 09.

He would like to know what would happen from now as he did genuinely forget to renew his MOT! Now this wouldn’t be so bad if the car was repairable as they will probably not check the MOT but he received a letter from his insurance company stating his car is a total loss.

I have checked the procedures online and I suppose that they will require all the vehicles documents so what will happen to my colleague?
 
I suspect he will be offered market value for his vehicle.

Market value for a vehicle with no MOT is considerably less than one with an MOT.
 
I don't think that Police/Court/Insurance would be any more lenient because he "genuinely forgot".

His insurance would probably be invalid, and he won't be paid out for any damage/repairs.

I haven't ever had an Insurance company request a copy/original of an MOT certificate when i have had an accident, though.

/edit - Seems his insurance would not be invaild, after a quick google search.
 
He'd still have 3rd party insurance with no MOT. If it is deemed the other parties fault then as Fox said, likely he'll get market value.

However, the same happened to a work colleague and the other parties insurers notified the Police of him not having a valid MOT at the time of the accident - he was subsequently prosecuted and fined £1000.

Points are not given out for "no MOT" as it's a non endorsable offence.

I still don't know why we don't get reminders in the post that an MOT is due - esp as it's all computerised now.
 
If, for instance, his brake pads/discs were found to be excessively worn, would this change the outcome?
 
Insurance still counts if its SORN, has no wheels and someone hit it on private land (or a tree fell on it or whatever) for instance.

Faulty brakes would only account for anything if an engineer and assessor deemed the accident avoidable if the brakes were at 100% of their ability. Your friend could have been doing 10mph over the speed limit but without witness but it would still be the other guys fault as it is a right of way violation. Well, this is how Norwich Union worked with my previous accident anyway.
 
amigafan2003 said:
However, the same happened to a work colleague and the other parties insurers notified the Police of him not having a valid MOT at the time of the accident - he was subsequently prosecuted and fined £1000.
Click to expand...

This seems rather harsh, it's a £60 non-endorsable penalty if dealt with through a FPN.
 
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