Car insurance claim but no MOT?

Question

my partner had a crash today and it was totally the other persons fault as my parter was indicating to turn right and some idiot tried to overtake him on the right , hitting his side. the police said not probs its totally the other persons fault and we claim off his insurance not ours but when the police checked the car they discoved the mot ran out a month ago, my partner explained we though we had updated it and they were fine about , prob believed us as we had tax and insurance, they dont worry just tell your insurance about the crash. i know car insurance is not vaild but surely its okay if its only the other person paying out? car in the garage and does not seem to be any probs so far......do you think we will be ok, it really was a genuine over sight

Answer 1

You should be okay because it was the others persons fault....

Answer 2

It is always good to get hold of some good resource at firsthand.here is one of them.http://car-insurance.online-tips.info/ca...

Answer 3

No, you are in deep trouble.

Failing to have a valid, current MOT is a criminal offence. Even if the Police do not prosecute you, you were driving the car illegally.

BOTH insurance companies will take the view that if you were not on the road (because the car was not legal), then the accident would not have occured - blame is irrelevant, because you ought not to have been there.

So, not only will your insurance company not pay out for your damage, the driver of the other car can take you to court to make YOU pay for the damage to HIS car.

Moreover, if you hide the fact that you had no MOT from either insurance company, then you are guilty of the offence of fraud by deception. One of the checks that insurance companies do is to go onto the VOSA website and check that you had a current Road Fund Licence and a current MOT.

As I said, you are in DEEP TROUBLE.