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

tbh it would be a very stupid thing to give strange men who wanted money from you, your address

Yes it would be silly. You don't need to give him your address as he doesnt have grounds to need it. Examples that do need it when requested are the police and insurance companies

I am going to phone the police and my insurance company today

There is no law that says you have to hand out your address!

Insurers can access all information. The drivers do not have a right to your address.

If it’s not on camera, say he drove into you without insurance tax etc…

No - just give him your registration number and the name of your insurer.

Thank god for that

Once he has grounds to request details, you need to provide all the details listed by law. The reason for address inclusion is to help with identification. If you’re not comfortable with that then you can provide to the police. In practice though, most people are not demanding an address. It’s typical to take name, phone number and registration number.

You provide details to his insurance company. GDPR prevails. All he needs is name, registration number and insurance company.

thanks for asking. I have it in perspective today. yesterday it felt so awful

But are you going to tell the truth?

You know - that YOU HIT HIM?

Or will you lie....?

No, you're required to give your insurance details in the event of a collision, not your car registration plate. Your number plate isn't even confirmation that you have insurance and I hope you're never in a collision with a ne'er-do-well who's displaying fake plates.

No a stranger doesnt need my address to help with identification. That's not a reasonable ground. The people that need to know who I am are the insurance company and the police (if needed). And his insurance provider dont need my address to find my details.

TBF, he didn't even ask for my address. it is only posters on this thread, demanding that I give him my address 😁

Because you think this car with fake number plates is going to be covered by insurance?

If they have fake number plates they sure as hell won't have insurance documents! You give the number plate to your insurance provider and within a few clicks they can find out who owns the car and who its insured with. They dont need you to read out the other person's policy number or anything.

The police disagree:

If you don’t give your name and address, you must report the accident at a police station or to a police constable as soon as you can, and in any case within 24 hours (this does not mean you have 24 hours in which to report the accident). If you fail to stop, fail to give your and owner’s name and address or the vehicle’s details or fail to report the accident, you commit an offence/s.

Yes but that's not for a minor scrape or bump that's when there is injury and/or damage. If the police ask you for those details and you dont provide them then yes definitely that's an offence, as detailed.

Personally, I'd rather commit the offence than give my address to the n'er do well cited above who has fake number plates.

Given that anyone can find out my insurance details from my numberplate, I don't think this will be a problem. The insurance company and DVLA have my address.

If I want to claim on somebody else's insurance, and their insurance details aren't correctly linked to the number plate, I'm not sure why I would assume that they wouldn't also lie about their address.

Exactly you can give any made up address to a random member of the public. It's not needed. If you give the police the wrong address or refuse to give an address that's where the offence is.

Not after a year, unless it's been off the road the entire time.

OP you are obliged to report all accidents to your insurer, even if you don't want to claim

If you are worried about him go through your insurance, and do it before he does or it looks like you weren't going to report it. Did you get his contact details to pass on? You are obliged to give him your insurance details and he is obliged to give you his (unless you come to a somewhat naughty agreement to pay him directly for his damage). Would you want to claim for your damage, if so you need to report it anyway. In some ways it's none of your business how legal or otherwise his car is, that would be for the insurance company to sort out.

Very honourable! If he finds witnesses she would then be in deep shit and may have trouble getting insurance in future. Lying to her insurance company and/or the police, all over a fender bender really not worth it.

Seeing as she’s planning to lie and say that he drove into her, I’m not so sure it’s a good thing actually!

This thread has been a real opener that so many dodgy people walk amongst us.