I just reversed into a car which has no insurance, tax or MOT. What happens now?

[notthisnowaswell]

driving home, residential streets with lots of parked cars obstructing views...edged out of a t-junction to turn left. there was a car coming down the road, so I reversed back....into the car which had followed me out of the junction.

his car is scuffed over the passenger wheel arch (mostly paint transfer from my car) and I have quite a crunch to the right back corner

he was really cross and wanted me to bank transfer him money to repair his car. which I declined and said I want to go through insurance (as I'm skint), gave him my name, number and registration. I have his registration and phone number.

I have checked online and the vehicle tax expired in march 2024, MOT expired march this year. so he has no insurance. what will happen now?? I am not planning on telling my insurance company unless he makes a claim because I am financially really really struggling and don't want my premium to increase

Right so you think we should call the police and report her for intending to lie?

do you deal with the police often?

my insurance has gone up every year for the 13 years I’ve been driving, I literally wouldn’t give the OP a second thought when it happens again this year. That’s normal behaviour. Not opening the email and dropping to the floor hysterically screaming IT WAS THAT BITCH ON MUMSNET WHAT DID IT I TELL YOU

He was clearly trying to get past you given the location of the damage.
I wouldn’t dwell on it though

I’m surprised you say that. I don’t think 6 points and £300 is a steep at all. £300 is what it is and I know a fair number of people who have hoovered at 9 points for years

It wouldn’t be down to OP it’s all those who drive around without insurance causing the problems.

In the grand scale of things OP the damage to his car won’t cost as much as his insurance…..he’s still quids in

You are still at fault. He is no angel but you drove without due care and attention and hit him. Give him your insurance details.

If your really not sure what happened OP then nothing you can do. Explain what you do know to your insurers and take it from there. Seems a very minor scrape so dont worry.

OP the damage to his wheel is quite bad and I would say well in excess of £200.

it’s really common to reimagine what happened in an accident afterwards and unwittingly change what happened. It’s why the police like to get statements immediately from witnesses etc. when you start thinking about it you’d start changing it when unintentionally.

Just to add if there is an accident and damage is caused then you’re under a duty to report within 24 hours (in certain circumstances you can report within a week). Like I say this was mentioned when I reported our accident but the police really didn’t seem that bothered at all. I even got the other party on video fleeing the scene and refusing to stop whilst screaming at me from her window. So we just followed her until she stopped (at her place of work where she’s a complaints manager 😂😂😂).

The police weren’t any help. Though I know where she works and lives if there’s ever any issues.

Different to when we called police for attempted break in last year and they were here within 8 hours.

OP I hope you get it sorted - it shakes you up, doesn’t it.

We obviously move in different circles. £300 is what I've got left in my account for the next month... As in, no more cash until the end of May.

That doesn’t make it a steep punishment for breaking the law though. If it were £50 plenty of people wouldn’t have it. That wouldn’t be steep either

But this situation arose because the OP reversed into him!

I hope so much this man finds this thread somehow, all he had to do is repeat the story at home/work/pub a few times and maybe someone will recognise they read a thread about it. OP has shot her self in the foot by being so blatant about her intent and showing a picture for evidence to tie her into the situation. Not the brightest move OP

I haven’t read all the posts but I’m sure someone else has said this. Either way, it’s important you know so if there’s an echo in here so be it.

Insurance companies do still pay out if a car doesn’t have tax or MOT as long as the issue wasn’t caused by lack of an MOT for example mechanical failure but they don’t pay out for mechanical failure if it does have an MOT. It simply needs to have tax and MOT at the time you take out a policy because there is a tickbox where you state your car is legal and roadworthy. No MOT usually causes a deduction from any payout to the cost of an MOT. Worst cases up to 10% but I’ve never seen anything, during my years in claims that wasn’t £35.

so… you have caused an accident and think you should get away with it?

Thank you for your insight.

Given that speeding has a minimum fine of £100, I'd say in motoring terms, £300 is steep. You forgot to mention that it's more if it goes to court. In fact, it's an unlimited fine and a criminal record.

It's also illegal to keep an uninsured vehicle under the Continuous Insurance Enforcement (CIE) Regulations unless it's been declared SORN and the police are also likely to seize the vehicle in any case.

Driving without insurance carries an IN10 endorsement four years and must be disclosed to insurers for five years, significantly increasing insurance premiums.

So yeah, pretty steep.

Are you taking the piss?

What a horrible attitude.

OP of course you have to give him your insurance details and let him take it from there. It is not up to you to refuse to give them to him.

Jesus this thread is a complete eye opener. Some people are complete scum.

Yes it isn't weird. It is dishonest and scummy behaviour from you.

Doesn't matter if he were Jack the Ripper. She bashed her car into his. She doesn't get a free pass because some people don't like his attire or his communication style.

Yes, of course you can insure you car without taxing it. But you can’t legally drive on a public road without tax, and I challenge you to find an insurance company in the land who will cover you when it transpires you’re driving illegally (ie without tax).

No you don’t need to give him your policy . Personally I would block the number admfter I told him you know he has no insurance or tax and move on . If he tries to claim on your insurance and would be very stupid to do so report him .

Actually she does because he had no insurance , if he did they could go through the insurance . She owes him nothing

What the fuck? "He was not paying attention either" ??

It is not the norm to have the car ahead of one reverse with no warning. Was he supposed to spring into action, check his mirror, shift into R and speed backward to avoid HER hitting HIS vehicle with her imprudent move?

If his vehicle were stationary it is not 50/50.

All of them do. It’s a common misconception but they realise that people forget and life gets in the way.

it’s the people that have lied and can be proven to have done so that will not be insured.

I wonder if the car going straight had dash cam and saw what really happened. Imagine if they contact police with footage.

Give him your insurance details and let them deal with it. Once you have done that block his number.

Have you missed the part where the OP reversed into him?

She isn't the police. She doesn't get to refuse to give insurance details.

It is because of people like the OP that we should always take photos of people's reg. nos. and/or insurance certs and report to our ins. companies immediately.