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

You’re going to lie and tell them he went into the back of you? You’re really not looking like the better person here OP.

I would never contact insurers unless I had to - the guys breaking the law. Give him £100 and leave it at that.
Your insurance will go up a lot I think if you reort

I don't think police are bothered with uninsured drivers are they? they could easily find that info themselves?

shall I ?? gah, I had just decided to phone my insurance company!! I don't know what to do

I'd put money on him trying to bluff/bully you into handing over cash - he almost certainly won't be contacting your insurers.

You Go ahead and lie and commit insurance fraud then.

Just hope no one finds out and you suffer the consequences. Fraud conviction is no joke

I don't care about looking like the better person tbh. I'm just trying to keep my head above water tbh

Terrible advice.

So you lied?

The guy is driving around illegally and trying to bully her into handing over cash, who gives af about looking the better person in this situation, surely?

Why can't he have insurance?

Says the person who lied to her insurance company and framed it as “karma”. You have hardly come out looking like a decent person either.

Yes, Barrenfieldoffucks, obviously I did.

Well as your lying pal on here said, karma exists.

You'd take a fraudulent claim of £600 damage like a trooper would you? Have a badge.

No you don’t give him anything - insurance companies sort it

Give him your insurance details then block him, let your insurer deal with it.

So he doesn’t have an MOT and you won’t pass on your insurance details. You’re both as bad as each other.

On compare the meerkat it says you need insurance to tax a car.

thank you. feeling dead beat down

OP does not know whether or not he has insurance.

He does not have to give her his details as he was not the person who caused the accident.

People often settle with cash because it works out cheaper than going through insurance. What is your excess on your insurance OP? How many year ncb would you lose?

I admit I haven’t read my car insurance policy that closely, but can see the insurer attempt to decline to pay out to the person whose car was reversed into because the vehicle appears to be illegally on the road. Insurers are normally very careful to include as many exclusions as possible before they have to pay out! Might be worth reading your policy and seeing whether they will cover a third party’s loss, regardless of the context?

If he does have insurance it will be invalidated by not having tax and MOT.
Legally you're obliged to give him your insurance information, and he is obliged to give you his.
I'd be going down the lines of you first.
No docs and quite likely no licence or on a ban, there's no way he's going to want to make it official..he's chancing it for the cash.

People often settle with cash because it works out cheaper than going through insurance. What is your excess on your insurance OP? How many year ncb would you lose?

OP won’t be paying an excess though?

I’ve driven for 50 years without reporting to insurers - what’s the big deal with everyone they’ll put your insurance up - just pay cash for repairs -job done