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Original poster

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

626 replies

notthisnowaswell · 28/04/2025 18:27

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

OP posts:
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Original poster
notthisnowaswell · 28/04/2025 22:02

FlowerUser · 28/04/2025 21:16

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.

Edited
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what is the saying....if the punishment for the crime is a fine, then the law only applies to the poor?

OP posts:
Sleepington · 28/04/2025 22:03

AquaPeer · 28/04/2025 21:56

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.

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I'd expect that response from you going by your posts.

Birds of a feather along with the OP and Crazymum.

People like you are never on the receiving end unfortunately. People with your attitudes always manage to squirm your way out of doing the right thing.

There is no point discussing it further with you. and I have absolutely no interest in reading the opinions of people like you and your kind.

Original poster
notthisnowaswell · 28/04/2025 22:06

FiveBarGate · 28/04/2025 21:38

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.

thank you

OP posts:
AquaPeer · 28/04/2025 22:07

Sleepington · 28/04/2025 22:03

I'd expect that response from you going by your posts.

Birds of a feather along with the OP and Crazymum.

People like you are never on the receiving end unfortunately. People with your attitudes always manage to squirm your way out of doing the right thing.

There is no point discussing it further with you. and I have absolutely no interest in reading the opinions of people like you and your kind.

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I think your drama llama hysteria is causing you to mix up posters

Crazyworldmum · 28/04/2025 22:08

Sleepington · 28/04/2025 22:03

I'd expect that response from you going by your posts.

Birds of a feather along with the OP and Crazymum.

People like you are never on the receiving end unfortunately. People with your attitudes always manage to squirm your way out of doing the right thing.

There is no point discussing it further with you. and I have absolutely no interest in reading the opinions of people like you and your kind.

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People like me or tre op who pay insurance , road tax and service and mot my car and follow the law should not have to worry with low life’s who think it’s ok to drive without any of the above . Nobody was more morally corrupt here than that men on the road with a car that was not roadworthy and unlawful to even be parked in a public space . So no I don’t think people like him deserve good people like the op who have insurance despite telling us are in financially struggling to pay for his mistakes ! If you see yourself so morally above us that you choose to support someone on the road with an unworthy car then be it . We have very different moral compasses . Mine puts good people first .

grumpygrape · 28/04/2025 22:12

notthisnowaswell · 28/04/2025 22:02

what is the saying....if the punishment for the crime is a fine, then the law only applies to the poor?

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Points apply to everyone and if someone is on low income they have the opportunity to have the fine reduced.

Lassango · 28/04/2025 22:13

Tell him to pass the matter on to his insurance company. If he keeps pressing you for money tell him to stop or you will make a full report of the accident including his number plate to the police "for them to resolve".

Perhaps also lie and say you have rear dashcam footage and will provide that to the police if he likes. 😂

That should stop him bothering you.

lastminutetrip · 28/04/2025 22:13

Call your insurer and say he hit you, the end. Teach him to sort his shit out, illegal bastard

DrPrunesqualer · 28/04/2025 22:15

A car with no MOT is not fit to be on the road.

There’s a reason for MOTs. To keep the roads safe.
Anyone driving a car that is not roadworthy is doing so in the knowledge that they don’t give a toss about the safety of others.
No person like that will ever get my support….Ever!

Original poster
notthisnowaswell · 28/04/2025 22:17

Sleepington · 28/04/2025 21:44

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.

what are you saying here? that middle class people can't be lowlifes? that working class people are lowlifes??

OP posts:
lastminutetrip · 28/04/2025 22:18

And to anyone saying “op would have hit him either he had a license/insurance/MOT or not”

she wouldn’t. He’d have been at home watching Eastenders, not out in the road where he shouldn’t have been in the first place.

lifeonthelane · 28/04/2025 22:19

Legally, you do need to report it to your insurer. Any collision with another vehicle has to be reported to your insurance, even if there is no intention to claim (lots of people are unaware of this) - you'll be in hot water if it goes any further and you haven't done so, I personally wouldn't risk it HOWEVER as others have said, given the status of his vehicle, he's unlikely to pursue a claim. Up to you if you're willing to take the risk!

Northerngirl821 · 28/04/2025 22:19

You should be reporting him to the police via 101 for driving without tax or an MOT!

Fluffyowl00 · 28/04/2025 22:20

Absolutely do NOT give him your insurance details! Tell him you’ve already contacted your insurance company and they are dealing with it all. They’ll be in touch and they are aware he is uninsured and have contacted the police.

Fluffyowl00 · 28/04/2025 22:21

You will end up with a claim on your file and pay higher insurance premiums for 5 years (knowing they haven’t paid him anything)

MooMooMoooove · 28/04/2025 22:22

No Just ask him to stop contacting you and phone his insurance company giving them your number plate and they will deal with it from there, you phone your insurance and say there was a bump at x junction you don’t want to claim but his insurance may be in touch from your point of view it was 50/50 you rolled back as he drove forward… (if he has no one to phone that’s not your problem)

MooMooMoooove · 28/04/2025 22:23

Though also keep photographic evidence of when he contacted you re the incident should he take out insurance and claim it happened on a later date

CarefulN0w · 28/04/2025 22:23

Do people really think that if the other driver’s vehicle duty expired in March last year and his MOT expired March this year he has insurance?

I don’t think the guy should be out of pocket if OP is at fault, but if I were OP I would insist on insurance all the way.

GLC789 · 28/04/2025 22:24

notthisnowaswell · 28/04/2025 18:54

I thought that you had to have tax and MOT to get insurance??

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It's the other way round OP. You can insure any car even if off road, for example to cover against fire and theft etc.

He probably has insurance. And based in him saying he is selling the car, he could very well have been on his way to get the MOT and then the Tax sorted in readiness for selling it after it being off road for a year. He story is actually quite plausible.

However, you absolutely do not need to give him your own money. You certainly do not have to tolerate him contacting you etc.

The right thing to do is inform your insurance company. Explain what happened. They will determine who was liable and sort the rest out.

Good luck with it all x

lastminutetrip · 28/04/2025 22:26

CarefulN0w · 28/04/2025 22:23

Do people really think that if the other driver’s vehicle duty expired in March last year and his MOT expired March this year he has insurance?

I don’t think the guy should be out of pocket if OP is at fault, but if I were OP I would insist on insurance all the way.

Agreed. I bet he doesn’t have a license, it happens all the time. I’ve been hit by one who begged me not to call the police and admitted she had no license. People are really naive.

Original poster
notthisnowaswell · 28/04/2025 22:29

GLC789 · 28/04/2025 22:24

It's the other way round OP. You can insure any car even if off road, for example to cover against fire and theft etc.

He probably has insurance. And based in him saying he is selling the car, he could very well have been on his way to get the MOT and then the Tax sorted in readiness for selling it after it being off road for a year. He story is actually quite plausible.

However, you absolutely do not need to give him your own money. You certainly do not have to tolerate him contacting you etc.

The right thing to do is inform your insurance company. Explain what happened. They will determine who was liable and sort the rest out.

Good luck with it all x

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I don't believe he is selling the car. he said that was his reason for not wanting to go through insurance because he wants to fix it quickly

OP posts:
Assssofspades · 28/04/2025 22:29

Crazyworldmum · 28/04/2025 21:46

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

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I have a tiny feeling that your background is neither in insurance or law.

DrPrunesqualer · 28/04/2025 22:30

MooMooMoooove · 28/04/2025 22:22

No Just ask him to stop contacting you and phone his insurance company giving them your number plate and they will deal with it from there, you phone your insurance and say there was a bump at x junction you don’t want to claim but his insurance may be in touch from your point of view it was 50/50 you rolled back as he drove forward… (if he has no one to phone that’s not your problem)

Edited

RTFT
He doesn’t have any insurance.
Its sort of the point of the thread

MooMooMoooove · 28/04/2025 22:32

DrPrunesqualer · 28/04/2025 22:30

RTFT
He doesn’t have any insurance.
Its sort of the point of the thread

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That’s exactly why I say that…OP takes the normal route and advise he do the same (which we are assuming he can’t), if he can’t do the same that’s on him

bridgetreilly · 28/04/2025 22:36

notthisnowaswell · 28/04/2025 18:44

is it normal to expect insurance companies to communicate on it though?

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

I could ask him to go through the police??

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It makes no difference. You damaged his car, why shouldn’t you pay? Talk to your insurers.