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

Ok, but as I say, I still don’t think that’s steep. Good for you if you do.

Well this is a batshit one

I really can't see him claiming for that and running the risk with an untaxed vehicle.

I think your approach is good. Tell him that his insurance company will be able to find you from the details you have already provided.

All the people saying he still deserves something, if he had run into the OP she'd not be able to claim against him. Those are the risks he's happy to run.

You don't actually know what happened. Just decide in your own mind exactly what you will say if your insurance company get in touch, even if the answer is 'I'm not sure what happened, very minor contact '. The evidence he can provide in terms of damage is very minor.

Hope you are feeling better. It's not a nice feeling and you've taken a battering here.

Insurance cover is only valid if the car is legally on the road which means tax and MOT.

Who is your insurance company going to believe? Some guy who drives without MOT, tax and insurance? Or you? Are you sure you reversed into him?

HE doesn’t need insurance to claim on OPs insurance and as OP is the one liable it’s her insurance who pay.

all he needs to do is phone her insurance company and start a claim. He doesn’t need his own insurance

You literally reversed into him and now you are annoyed that you may have to pay for the damage? Don’t be so ridiculous.

Good luck getting her insurance to pay out , specially with reversing in a car that is almost impossible to prove

Everytime somebody mentions that MN is a primarily MC/UMC (which never fails to make me laugh) needs to read this thread to see exactly how low life many posters really are. Some people have no values at all. It is a disgusting and very concerning eye opener to the society some people live in.

You’re forgetting we can see all your posts. You said you will claim that he hit you and when I said that’s a lie you said you have to do what you have to do.

You keep backtracking but all your posts are here for us all to see. You started this thread accepting responsibility and now you’ve managed to paint him as the evil nasty man who drove badly and you did nothing wrong.

We all see you OP.

It happens everyday. You’re naive if you think this is an uncommon situation

Would you be saying the same if he run over a child with a car that was not insured or taxed and probably not moted or even roadworthy because let’s be honest the sort of person that goes around with no insurance are mostly low life’s or criminals or both . Sorry but he deserves nothing because the car doesn’t belong on the road

i do feel annoyed at having to pay to fix his scratch, when he isn't even legal

Of course you should pay for the damage! You reversed into his car, you are 100% at fault. You need to pay him the £200 or go through the insurance, those are your 2 options.

Strictly speaking you should tell your insurance company anyway, you’re supposed to inform them of all accidents.

Unless she accepts liability the insurance will not . No 2 ways about it

You sound utterly bonkers. Are you so lacking in life experience you didn’t realise people thought like this?

do you also think they give a crap what you think about their values? Such weirdly stressed yet bewildered sounding post.

Are you the police? Thats their job but the OP lying and being encouraged to do so by people like you is gross.

Your posts are some of the most low life on this thread so I'm not in the slightest bit interested in reading you trying to justify your low level opinions.

I’ve had 2 accidents paid out that I didn’t accept liability for. They simply decide themselves what to do on the balance of cost, risk and probability.

I’m equally amazed such scummy lying people exist. As though the other driver being a man in a blacked out car means OP is off the hook.

Genuinely shocking thread.

I thought the dregs of society thought like that but it seems so many people on MN fit that category. What a horrible world we are bringing our kids up in.

Then I suggest the op to contact the police on top of telling him to go through the insurance . That way he can be taken off the road loose his car , get quite a few points and a few hundreds in fines . Sorry but claiming the high ground to support someone that is using a car not road worthy as no mot that should not even be parked on a public road is bonkers , he could have killed someone .
I didn’t suggest op lied , I suggested she replied she would only go through her insurance and inform them she is contacting the police as she knows the car is not roadworthy , insured or taxed . None of the above is a lie

Just pay the man! Omg you backed into him. And £200 is not worth your premiums going up. You could lie but it will (hopefully) come back on you 3 times. And it’s morally wrong!

@TheHerboriste his vehicle wasn’t stationary. He was trying to pull around her, before she’d definitively moved forward.

Be careful of handing over any money. A high value car will cost more to have scuffs removed. The wise thing to do is to take the hit on insurance, rather than risk him coming after you for more money when the cash isn’t enough.

what I might be tempted to do is to give him your insurance details and cross your fingers that he chooses not to use them,

MN is full of Normal people, not some club of “non dregs” how would the internet manage to exclude your “dregs” signing up? 😂

I mean, cover your ears… but there is FAR WORSE on here.

Yes true.

He shouldn’t be on the road in the first place though

It doesn't though.