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

She just needs to give the insurers the bare facts. She was reversing around a corner and the other driver was proceeding out of the junction on the wrong side of the road. She can also share that the damage to the other car appears slight and that she's checked MID and the other car appears not to be insured or taxed. Just facts, no opinions. Insurers/police can do as they see fit with the information (possibly nothing at all).

She wasnt reversing around a corner, she pulled away from a junction and realised after that she needed to reverse back. And the OP has said she isnt really sure in what direction she thinks the other driver was going, first she thought right then changed it to left. All she needs to say is she thought it was safe to exit the junction, realised too late that there was a car coming along so had to quickly reverse back and unfortunately hit the car behind. That's all.

At 19.55 yesterday op said "I went to reverse around the corner" and at 20.05 that she thinks he "cut past on the wrong side of the road". Admittedly that detail isn't in the op. I went back to check where I found that info in case i was imagining it/brain fog.

Though now I'm struggling to envisage how she hit him unless she reversed onto the wrong side herself!

In short, I agree with you. Better to say as little as possible!

All the detail is in the opening post. She started getting into a muddle when trying to wiggle out of liability. Its a minor prang and hopefully all gets sorted out soon.

It literally does.

I'm not trying to wiggle out of anything, which I think is clear because I admitted liability in the first instance. I was shocked and confused but on reflection, he was clearly trying to swing road and past me, that is how I hit him , he was in the middle of the road to the behind/side of me. anyone I'm done trying to defend my integrity to weirdos on the internet, now. thanks to those posters who held my hand while I worked through it and offered advice.

That does not mean he was trying to overtake you. Go to your insurer and also check the gov.uk website re what to do when you hit an uninsured driver.

This is the same as the other “legal” points though isn’t it? So what? If OP doesn’t want to provide her address he can phone the police and the officer attending (if you get one to attend) certainly won’t force her to give her address to an aggressive man, under threat of arrest.

Even so, going back the the driving without due care and attention point, she’s not going to be prosecuted for big giving her address under these circumstances so what do you want to achieve by driving home this point?

Ha!

In which case I'd report it to your insurance but make it clear that you're not making a claim, but want to log it for the reasons mentioned by previous posters (i.e. it's a requirement of your policy to log any incidents).

It's possible otherwise that he might get his MOT, tax and insurance sorted then put in a claim in 2 weeks time and say it had just happened.

This way you've got it on record that the incident has happened but it's unlikely that it'll go any further. Your backside is covered if that is the case.

One message to him to say that you cannot afford to pay him directly to fix his car so you have reported the incident to your insurance company and he should do the same (i.e. don't let on that you know his car is being driven illegally).

Your baseline premium may go up as you might be looked on as a slightly higher risk for having an incident, though your no claims bonus shouldn't be affected.

Policies go up because the baseline premium increases, even if your NCB is protected.

For example, an insurance company deems your base premium to be £500 with a 25% NCB discount, so £375 premium.

Next year your insurance company deems you a higher risk so puts your baseline premium up to £600, but your NCB is unaffected, so a 25% discount means a £400 premium.

Absolutely do not give a random stranger your address.

you hit him because you reversed without looking. Had you looked you would have seen him. You didn’t hit him because of his own manoeuvre. You hit him because you didn’t look. Perhaps the reason you think he was trying to ‘swing past’ you was that he was trying to move to the side while to bloody reversed at him:

thanks. all done now, reported to insurance and to police. I feel much better now.

I'm going to get front and rear dash cams installed so if anything ever happens again, I will have a record of what occurred

I haven't heard from him today, so I assuming that he isn't going to cause a problem 🤞

Glad to hear it. Dash cams are rather useful for gathering evidence from aggressive male drivers.

Give him a call and say you're happy to just leave it if he wants or alternatively you're happy to report the incident to the police and insurance and let them deal with the no tax mot or insurance.

So basically scam the guy with a veiled threat instead of doing the honourable thing. Got it.

I agree. Yes the name of ur insurer but not your policy number.
By law you have to give ur name, adress and reg number.
Too many dishonest people. Just domthe rogjt thing and reported it to your insurance company.

Definitely not.

I insured my new car before I picked it up, so that I was covered to drive it home. I didn't tax it till the following day.

The only evidence a dash cam would have gathered in this situation would be OP reversing into someone.

it's illegal to drive a car without tax. and probably would have invalidated your insurance as well

If he contacts you again just tell them that you will only deal with it through the insurance and the police, his car shouldn't have been on the road, my friend once hit a van and as it was outside a block of flats we went to the police station to report it, while there they told us it had been reported as a hit and run, we went back and the owners were mouthing off about it being a hit and run and the police told them to shut up and that we had come from the police station reporting it, he then said to my mate that as the van didn't have an mot it wasn't legally on the road, so he told my friend to go while he dealt with them about the van not being legal.

This is so wrong. Take responsibility for hitting his car please

I would say you are getting advice from the police, see if he backs off.

He's pushing the cash option because he knows he is driving illegally and doesn't want a paper trail.
Then if he continues say you'll provide him with a contact 101 ( police report a crime number 😆😆😆)

Report to police..he I driving illegally with no taxor insurance
. His claim can go no further

Talk to your insurers and do not admit fault as he was clearer in the wrong too.