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

I love how people are so confident but wrong on here.

insurance is not invalidated for no mot or tax!

All bitterness and terrible past behaviour on my behalf aside, this is what you should do OP. Tell your insurance you're not claiming for your own damage (I assume you're not?) tell them he's aggressive and dodgy and insisting on cash and that you're going to block his number, but you're just making them aware. I don't think, as far as I know, it'll raise your premium (although who knows, I had a minor non fault incident once and my insurance kindly went up 30%)

You are still allowed to drive your car to the MOT test centre without one so he could claim this was what he was doing

I wouldn’t risk not telling your insurance, as long as he has your reg he can go the long way to get the details himself and you’re not going to come out looking great if you’ve failed to report.

Him not having tax/MOT and you reversing into him are 2 completely separate things. You’re not suddenly absolved of any guilt for your wrong doing because of the status of his MOT.

If he does contact your insurance and you haven’t bothered telling them you’re then going to find it hard to argue it’s anything other than your fault, so your premiums will go up.

the MID site isn't working for me. I'll try again in a bit

He wasn’t legally allowed on the road. If he wasn’t on the road, it wouldn’t have happened anyway.

just ignore him. Chancer

You need to give him your insurance details (although not sure the policy number is required) and you need to tell your insurance about what happened whether you intend to claim or not. If he contacts them and you haven't reported it, it's usually a breach of contract.

I had an at fault claim a couple of years ago, honestly it didn't put my insurance up too much. If you're not claiming it should be fine.

only on Mumsnet can people ignore advice from those in the know.

ignore this and watch the small claim get bigger. It’s a fault claim that impacts your claims experience

report to your insurer and get them to speak with him and they’ll arrange repairs. if that scares him then so be it but you ignoring it won’t be taken kindly by your insurers

commenting as a broker by the way

The insurers don’t care if he’s dodgy - her premium will def go up in my experience.

I’m wondering if he rolled his car forward so it would seem it was you that hit him? Crash for cash is a thing

To be honest, from his not great point of view (not having a roadworthy car, maybe wanting to sell it) getting it done up on insurance (which is likely to be well in excess of £200 worth of work; they might even write it off and pay him) might be a good option for him that maybe makes it worthwhile persuing you for the insurance fix up and risking a fine from the police. It’s a not a serious offence and likely won’t attract more than a low value fine.

I'm terrified of my premium going up. my daughter's black box registered an accident because she braked too hard. it prevented NCB for the year even though no one claimed because there had been no accident and THEY told HER that it was likely due to braking hard. took ages to sort that out

I'm in the process of loosing my income due to disability and cannot afford any more outgoings but also rely heavily on my car. Aaaargh

You are obligated to tell your insurer about accidents you’re in, whether you intend to claim or not. they will put your premium up probably.

I work in insurance. If you go through your insurer and disclose what happened honestly they will pay the claim for the person you hit. It is not relevant if the car has an MOT. It is a queztion of liability. If you can muster the cash i would settle ditectly being clear it is settlement in full.

She reversed round a corner into him 😆

Whatever you do dont give him money. The last time I had an accident we just exchanged names and numbers and had photos of damage and car registrations. My insurance provider didnt need the policy number of the other driver and vice versa

You hit his car and damaged it . You have two choices. The first is to give him your insurance detais. If there is any possible way of not paying out- your insurer will find it. Second is to pay him the £200 he is asking for to make this go away.

It sounds like a very common dodgy scam. He won't go to your insurer if he's uninsured, he's trying to get a cheeky 200 quid from you. In this situation I'd message something along the lines of "I don't know if you're able to claim if you're uninsured, isn't it a police matter? My insurer is XYZ". I wouldn't tell the insurer

For over a year, a likely story....

it's a BMW X6 2020

I think you should tell him to go through his insurance. Then block him.

As he is I imagine.
I can’t believe you are trying to wriggle out of your responsibilities when you reversed into him!

Tell your insurer asap. Next thing will be a claim for multiple whiplash injuries. Exact same thing happened to me years ago. It took ages to sort out. Also block him so he has to speak to your insurers. He may well be recording your conversations.

Which will backfire when he goes straight to the OP’s insurer and she hasn’t declared it.

Check your insurance policy and your no claims bonus. If it's a few years NCB you may find you need more than one claim before you lose the no claims and your premium won't actually go up. Even if they do quote you a higher figure for next year you can probably still get a better deal by switching to a new insurer if you still have some NCB to transfer. I had a claim against me last year and when I switched insurers the new premium was even lower than my original pre-accident premium with the old company. In theory, not declaring an accident to the insurer can invalidate the insurance, though it's questionable whether they'd ever find out. Therefore declaring it is safer, and you know you were in the wrong, though you might get away with agreeing £100 with him, given his apparent situation. I've been surprised to find that call centre staff at one of the big insurers were quite prepared to talk through with me what was cheaper for me, claiming or not, after a previous no fault accident.