Page 22 | I just reversed into a car which has no insurance, tax or MOT. What happens now?

notthisnowaswell · 2025-04-28T17:27:26+00:00

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

Ilovechocolatelimesandsherbertlemons · 29/04/2025 19:25

Something similar happened to me a couple of years ago. I insisted on going through insurance as not reporting it would make my own insurance invalid if the insurance company found out. The other person never got back to me after that, and didn't ever make a claim either. I had no claims discount protection. The insurance may have increased by £10 or so, but as I didn't make a claim, it was very little. They were driving illegally at the end of the day. I never heard another thing about it.

EarthlyNightshade · 29/04/2025 19:25

exaltedwombat · 29/04/2025 18:15

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.

OP has reported to police and insurance. What more do you think she should do?

Naddd · 29/04/2025 19:30

Don't pay him a penny! let him go through insurance if he wishes

Vynalbob · 29/04/2025 19:32

You should inform your insurer yourself. I'd personally tell the truth completely maybe emphasising how close he was (unless you reversed some way either he was probably too close or intending to follow you out closely so not giving way properly himself. Chances are your insurance will sort it out for you. As a previous poster says normally the rear driver is suspected as at fault but I don't know if I could pull that rabbit out of my hat. If your insurer finds out and you haven't told them it will void future claims. Eg even if this bloke doesn't claim if someone prangs you next week and they assess the car and find odd damages they'd be asking questions.

Flossy1985 · 29/04/2025 19:37

You can give your details but I will also be inclined to report said car to the police for no insurance and mot they can pick it up on ANPR and eventually get pulled for driving it.

Helen1625 · 29/04/2025 19:38

@notthisnowaswell
Without tax, his car should have been declared SORN, so it shouldn't be on the road. In addition, he has no mot or insurance, so it definitely shouldn't be on the road. He knows this, so he's trying another tactic - asking you for money. Please don't give him any money - he could then come back with excuses asking for more.

Personally, I think he'll go away - he won't contact your insurance as he'll have to admit he hasn't got any himself. On the off chance that he does, however, you may want to notify your insurance but ask them not to treat it as a claim yet until the other driver has been in touch - tell them what you know - say you think it is unlikely he'll make a claim but wanted them to be aware. It sounds as if you both moved at the same time and it was a minor coming together - say he spoke about not wanting to use insurance but as he was so aggressive you would like them to have it on file as it may well be a scam.

The only info he needs from you is your car registration and possibly make/model. That is enough for any insurance to go on. You've given him all the information he needs.

You've advised him to take it through the insurance. Now block his number. No need at all for any further communication. Then wait and see if anything comes of it.

All the best 👍

MP79 · 29/04/2025 19:40

If you don’t have an MOT then it invalidates your insurance. So no MOT means no insurance. So if he has no MOT, he has no valid insurance. Some people on here seem to imply the things are separate but the insurance is conditional on having a valid MOT.

It is not a legal requirement to provide insurance details (unless someone is injured) but it is recommended. Guess that’s only if someone wants to go through their insurance to get it fixed.

It is considered to be a serious breach of your agreement with your insurance company if you fail to tell them about an accident. It can lead to them invalidating your insurance and can have legal consequences (although I doubt that would happen when no one is injured and the accident is not serious). So if your insurance company finds out that you’ve had an accident and you’ve not reported it, you could get into trouble. It depends if you think he will take this route. Some people might not get a reminder or forget to do their MOT. There is a (slight?) possibility that he’s not even aware his MOT has run out do doesn’t know he has no valid insurance. In which case, he’d be more likely to contact his insurance company (could still be paying for insurance) to try to claim from you. That would mean that your insurance would find out and could potentially cause you problems. If he is paying for insurance monthly and doesn’t realise his MOT has run out, his insurance would contact your insurance company anyway, or he could contact the police if he feels you are being obstructive by not providing details. It won’t look good on him though when he’s trying you to hand over cash.

Don’t ever pay someone directly though. Not a good idea at all. Plus he sounds like a cowboy - even more reason not to hand over anything.

Dawnb19 · 29/04/2025 19:43

Someone reversed into my dad and told the insurance he went into the back of them. My dad's insurance paid out as well. 🙄 He always has a dash camera now and lucky he did as someone did it again. Apparently it's very common now as the one behind is automatically at fault.

ZestyJoey · 29/04/2025 19:53

Noshowlomo · 28/04/2025 18:29

No insurance so tough on him!

That's exactly it!

Imagine if he had backed into you and he had no insurance! He's be trying to avoid you like the plague so just do the same thing to him

BeUmberSquid · 29/04/2025 19:55

I work in insurance. You are legally obliged to share name and address, but where this is not practical (in your case, single female against threatening male if I have read it correctly) then reporting as soon as possible to the Police is acceptable. Do not admit any liability, regardless. Report to your insurance company. If the other driver contacts you, tell him that you have given his details to your insurance company and the Police and that you won’t engage with him again. He is more than welcome to contact his insurance. This is why we have it.

He can be insured without MOT in some circumstances but it won’t be valid if he’s on a public highway illegally.

FlowerUser · 29/04/2025 19:56

Dawnb19 · 29/04/2025 19:43

Someone reversed into my dad and told the insurance he went into the back of them. My dad's insurance paid out as well. 🙄 He always has a dash camera now and lucky he did as someone did it again. Apparently it's very common now as the one behind is automatically at fault.

That's not true. I moved into an outside lane and was run into from behind at very high speed by another driver. Even though he was going at 100mph, apparently it was my fault because he was already in the outside lane. Obviously when I moved out, he was very far behind me but that didn't matter.

Both cars were written off. His vehicle turned a full circle in the air and then landed on its roof. He had a severe laceration on his forearm because he was resting it on the open window sill (because of course he was). Fortunately I was unharmed.

Do not assume that being run into from behind is always the other person's fault.

ZestyJoey · 29/04/2025 19:59

AquaPeer · 28/04/2025 18:38

To be honest, I don’t see the harm in giving him your policy number but you would need to report to your insurers first.

if you don’t want to report it don’t give him the number (he can still get your insurers details by reporting you to the police )

it’s not true that the person behind it assumed to be at fault- particularly not when someone is reversed into 😂

No ones saying the person behind is at fault

AtomHeartMotherOfGod · 29/04/2025 20:06

Noshowlomo · 28/04/2025 18:29

No insurance so tough on him!

Have to agree.... my first thought to reading your question was 'You got lucky' 😂

Maybebaybee · 29/04/2025 20:11

IndigoBrave · 29/04/2025 16:26

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

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Why are you so worried about someone who is driving around uninsured and untaxed? Saving hundreds every year illegally? Potentially a huge risk on the road if he hits someone else or runs over someone? Weird perspective

ProfessionalWhimsicalSkidaddler · 29/04/2025 20:23

FlowerUser · 29/04/2025 19:56

That's not true. I moved into an outside lane and was run into from behind at very high speed by another driver. Even though he was going at 100mph, apparently it was my fault because he was already in the outside lane. Obviously when I moved out, he was very far behind me but that didn't matter.

Both cars were written off. His vehicle turned a full circle in the air and then landed on its roof. He had a severe laceration on his forearm because he was resting it on the open window sill (because of course he was). Fortunately I was unharmed.

Do not assume that being run into from behind is always the other person's fault.

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Fucking hell. That’s a tough read. You seem to be unable to accept that it was your fault even though it clearly was and the insurance said it was. How dare he rest his arm on the open window. Hand in your licence for the safety of us all.

DoggingDave · 29/04/2025 20:26

TheHerboriste · 29/04/2025 16:05

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

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No can see how that read poor wording apologies. Op to say happy to leave own damage but also op to happy to report to Op's insurance and the police. So that other party are able to claim and the other party's insurance obtain the necessary details from ops insurance/police. Then hopefully police will do own checks and follow up any possible lack of insurance/mot/tax possible that it could be being driven legit and database errors or some form of motor trader driving under a trade police or trade plates on the way to a pre booked mot or something who knows.

FlowerUser · 29/04/2025 20:39

ProfessionalWhimsicalSkidaddler · 29/04/2025 20:23

Fucking hell. That’s a tough read. You seem to be unable to accept that it was your fault even though it clearly was and the insurance said it was. How dare he rest his arm on the open window. Hand in your licence for the safety of us all.

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The police said it was his fault. Four witnesses said it was his fault. He had 9 points for speeding.

Insurance companies did a deal apparently because I had a very long protected NCB.

Passed my test first time, clean licence. I'm considered an excellent driver.

exaltedwombat · 29/04/2025 20:39

ZestyJoey · 29/04/2025 19:59

No ones saying the person behind is at fault

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The OP seems to be spinning the narrative around to suggest he was...

ProfessionalWhimsicalSkidaddler · 29/04/2025 20:43

FlowerUser · 29/04/2025 20:39

The police said it was his fault. Four witnesses said it was his fault. He had 9 points for speeding.

Insurance companies did a deal apparently because I had a very long protected NCB.

Passed my test first time, clean licence. I'm considered an excellent driver.

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But the professionals… the insurance company said it was yours. Witnesses don’t know, they just assume on their non professional and uneducated guesses.

9 points for speeding is appropriate but he was safe until you pulled into his path despite seeing him and not being able to gauge his speed or just expecting him to slow down for you. The queen.

you consider yourself an excellent driver. On this occasion you weren’t.

FlowerUser · 29/04/2025 20:45

ProfessionalWhimsicalSkidaddler · 29/04/2025 20:43

But the professionals… the insurance company said it was yours. Witnesses don’t know, they just assume on their non professional and uneducated guesses.

9 points for speeding is appropriate but he was safe until you pulled into his path despite seeing him and not being able to gauge his speed or just expecting him to slow down for you. The queen.

you consider yourself an excellent driver. On this occasion you weren’t.

Edited

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Thank you for your opinion, particularly as it spectacularly missed the point of my post.

Original poster

notthisnowaswell · 29/04/2025 20:51

Maybebaybee · 29/04/2025 20:11

Why are you so worried about someone who is driving around uninsured and untaxed? Saving hundreds every year illegally? Potentially a huge risk on the road if he hits someone else or runs over someone? Weird perspective

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I have been really surprised that so many posters are keen to support this guy with no insurance etc. if I had read this scenario as happening to someone else, I would think it was his fault that he was going to have to pay for is own repairs, serves him right for driving illegally

it would have been interesting to see what responses would have been if I had posted as the other driver, without the insurance. I suspect plenty of people on here just take against OPs because they enjoy going in on people, for shits and giggles

OP posts:

CyanMaker · 29/04/2025 20:51

I don't understand why the police weren't summoned before either driver left the scene. The matter should have been settled with the police present ,then you would have all your questions answered and known exactly what steps to take. With no police report, how can either of you prove anything?

Original poster

notthisnowaswell · 29/04/2025 20:52

@FlowerUser your accident sounds terrifying. I'm glad you weren't hurt

OP posts:

Greenfields20 · 29/04/2025 20:54

@cyanmaker stop being naughty 😆

AquaPeer · 29/04/2025 20:54

CyanMaker · 29/04/2025 20:51

I don't understand why the police weren't summoned before either driver left the scene. The matter should have been settled with the police present ,then you would have all your questions answered and known exactly what steps to take. With no police report, how can either of you prove anything?

You don’t seriously think the police come out to every car accident? You’re in for a shock if you have one and try and get them out. I was in a bump when the other driver called the police in 2021. It was 8am on a Sunday morning 200m away from the police station and they basically laughed and said sort it out yourself

you can’t possibly think that is a justified use of a police officers time