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

So does LYING.

Fuck knows what you told your insurer, but YOU are at fault for reversing, hitting another car and driving without due care and attention.

Makes no odds whether the other guy was insured, has one eyeball or whatever, the fact is you are to blame.

I suspect when your insurer finds you at fault, you wont be coming back with an update....and think hard about a dashcam - its likely to catch YOU with your dodgy driving and lies...

The op isn't dodging responsibility,she's just going via the correct legal channel of her insurance company.

Yes it is, do not pay him anything! It is his fault he does not have insurance and illegal. Give him your insurers details, only give your name and reg no, you don't want this chancery turning ip on your doorstep. Contact your insurance company and explain you have had an accident and the other driver is not insured.

I would say you’re aware he was driving illegally before you block him.
I don’t think he has a leg to stand on

Of course he does. He deserves to be prosecuted for motoring offences but that is completely separate from his right to make a claim against the OP.

Er, no. Try reading the exchange again. The PP says that all they would supply in the event of a collision is their car registration number, instead of their insurance details (as required). I'm pointing out to them that if they think this is good enough, they could be foolish enough after a collision to accept such "proof" only to discover that it's a false plate that doesn't identify the other driver at all.

Can't afford to pay for damage you caused, can't afford an increase in insurance premiums but can afford forward and rear dashcams, aye?

You claim on your insurance. Don't let him try to bully you into doing it cash if they aren't insured

If the other party contacts your insurance and you haven't told them, you're in trouble.

Its a term in your contract with them.

So yes, terrible advice.

Somebody driving around with false plates is likely to be a criminal involved in criminal activity. They will not give you any correct information you ask for. You would be very unlucky to crash into someone in those circles.

I wouldn’t give him your policy details just yours. I reversed into a tosser (single track road had to get back to a passing place in a can with limited visibility) and the tosser behind stayed put. I didn’t have policy details but gave car/ address/ name all that’s legally required. Their insurers eventually contacted mine. I did get queried why I hadn’t reported but said no damage to my car I gave no need to claim.

@angelickaty you can laugh if you want but its reality. You don't use false plates on your car unless your 'up to no good'. They are not going to give any correct information about their identity if involved in a crash.

I’m going to be completely honest. His insurance, tax or MOT is absolutely none of your business, you hit his car so if he wishes to claim on your insurance then give him your details. If he hit you then that’s when his lack of insurance would come into play …

Report to 101. It is an offence to drive an uninsured vehicle and police confiscate them

😂😂

OK. So you seem pretty clearly responsible for the accident, but you feel you may be able to wriggle out of it because he may be uninsured? Maybe you can. Let's think...

First off, there was an accident in which the vehicles were damaged. You are obliged to give details of your insurance. At this point the police are unlikely to be interested. But if you refuse to communicate this turns into a hit-and-run and, if he reports it, you may get done for driving without due care and attention. But he has your registration number, so he can go straight to your insurers.

Will he? Well, you can take the risk. Maybe if you stonewall he'll give up and the whole thing will go away. You pay for your car's damage, but fair enough, the crunch WAS your fault.

Or maybe he won't. Want to risk it? How much does he want for his scuffed paint? If not hundreds of pounds, and your gamble fails, it could cost you MUCH more.

Road Traffic Act 1968

Read it.

You could be fined, or have points on your licence for failing to provide your details.

It's in the hands of the police and the insurance company, so maybe leave off telling the OP what to do?

It's not a straightforward reverse into the other car because the other driver did not simply move up as the OP turned. He manoeuvred his car so it was in a different position.

Let the OP be and maybe she'll let us know the outcome. Though if I were the OP I wouldn't bother.

We were sitting in a traffic queue when from above a scaffolding pole which the man on the roof let it slip from his hands ,it bounce on the paving and hit the side of our car, luckily no one was injured, thank good no one was walking by , we should of called the police, we were in shock at first, and believed the man when he said let's not go through insurance I will pay for your car to be put right, we exchanged numbers and he said he call that evening, of course he didn't , in the end we did go through our insurance it took time as at first he denied it happened, it went to court we got a pay out and I believe he lost his job, so if I had a accident I would go through the insurance.

You mean the road traffic act 1988? You have to give the details to the police (if they are involved) its an offence if you dont give it to the police when asked.

It’s with the insurance company now and with the police which was the right option.

Just because a check online says no tax/MOT doesn’t always mean it’s not in place.
It could have been done that morning, on trade plates, en route to MOT. From your description it’s unlikely, but I wouldn’t risk a criminal record/points for a chance..

You made the right decision.

Small point…normally told by insurer to not admit anything at scene. Deal through insurance company and be truthful with them exactly what did happen

but, there are ways to still be compassionate and empathetic to someone whose car you’ve mashed or worse, without actually admitting fault at time.

youre insurance company will do that for you when they settle as you being at fault and other party not at fault .

you are supposed to notify insurance for any accident, even if not claiming anyway. And you need to answer truthfully on following years insurance policy for next 5 years you’ve had an accident even if you are NOTat fault . Otherwise they can refuse your next insurance claim if they find out - they do everything they can to avoid paying out…not worth chancing not telling the, whenever you have an accident.

nothisnowaswell

You are legally obliged to report the accident to your insurer and tell them you think he’s not insured and give details.

The other driver can get your details from DVLA.
Do not give your policy details to him and
he reports the accident to them as if it’s your fault then you will be in real trouble.

My guess is that this is a scam. The other driver has done this before

The other driver can get the policy details from the registration number as long as he has £10.

You should exchange insurance details is the point. So, yes, you should give him yours; and if he doesn't give you his, which you verify immediately btw because he's probably not so dim he can't give you an expired policy number, you tell the police.

But, sorry to make it feel worse, you are at fault for not looking. Bear in mind that his car which "shouldn't have been where it was" could just as easily have been a pushchair which you weren't expecting to be where it was.