Unfortunate accident but what could be the consequences?

Question

Someone I know has had a car accident. He admits it was his fault as he went through Give Way markings and car that had right of way crashed in to him. His car either requires serious repairs or is a write off. It was then discovered his MOT was a couple of months out of date. He was subsequently charged with this. Is he now likely also to be charged with careless driving? Also with MOT being out of date was his car insurance valid? I feel so sorry for him as the MOT was a completely genuine mistake and I don't want to cause more worry by saying anything that could worry him more but on the other hand am concerned if the car is repaired and only later found the insurance was not valid that on top of everything he would have a big account he could not afford.

Answer 1

If he was charged with driving with no MOT I would have thought any careless driving charge would have been put to him at the same time. As it wasn't he may not be charged with that.

It is a condition of all insurance policies that the car be in a safe condition and have a current MOT.

You may feel sorry for him but as his insurance is invalid, the other driver, who is blameless will have to claim on their own insurance and so lose their no claims bonus.

Answer 2

no m o t no insurance

Answer 3

Sorry no MOT invalidates your car insurance, its usually in the small print. is it possible for your mate to stop the repairs on his car going ahead to avoid a big bill?

Answer 4

There you have it, I'm not here for best answer.

I was a former crash and bodily injury/death investigator, and Insurance Settlement pro

Your friend has obviously invalidated his insurance, can not collect for himself, and may be found technically liable for injuries to the other party.

They go after assets, cash and property, or are legally entitled.

Oh man, driving a motor vehicle is serious business, I hate to see people learn the hard way, or get hurt in any way.

Answer 5

If his car had no MOT then his insurance will be invalid. He won't get charged for the offence though as he was insured. It just means that, if he had fully comp insurance, his insurance company won't pay for any of HIS repairs. Any repairs that the car he hit needs will be covered by his insurance though

Answer 6

His insurance was  not valid as his car was driven illegally, having no MOT.  So he'll certainly be  done for that as well. So obviously his insurers won't pay, why would they?

Hopefully he didn't didn't hurt anyone. If he did he'll be paying alright!

Point is there's two problems here, careless driving (he may or may not be done for it) and not bothering to get an MOT.

Don't fancy his chances myself...

Answer 7

As stated the insurance will probably be invalid.

There is NO excuse for letting an MOT run out.

Not only will his insurance not pay for his repairs but the other will definately be able to claim any excess off him and the other party's insurance will probably take him to court for their money too.

Answer 8

A car is every bit as lethal as a gun...  It is the OWNERS' RESPONSIBILITY to ensure that the car is 100% legal at all times...  For the last three years there have been stickers on the MOT certificate you fix into the windscreen to show you the driver when it is due, everytime you look through the glass!

No excuses!  A lapsed MOT may cause a fatal accident as a major failiure of a safety-critical item, such as a suspension or brake part, does not get detected!