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

Has he parked there or moved it there on purpose so you banged it? Ie is it a scam? X

It's common where I live as well however you always look in your mirrors and make sure it's clear to reverse before doing so. If you two were really that close (you said you barely moved) then how did you not see his car?

I have gone into him because he has tried to cut past on the wrong side of the road to turn right. when he should have been waiting back at the give way, level with that parked car

It was an accident, it happens. OP didn’t do it on purpose

It doesn’t really matter. It wasn’t clear for you to
complete your move.

The best you’d be arguing for is 50/50; and it doesn’t sound like that’s going to help you.

Nailed it!

Well said! 👍

OP I have sympathy for you as accidents are stressful but please dont try and come up with this sort of story. Accidents happen it doesnt mean you are a bad driver but please dont lie to your insurer. Chances are he wont even claim. But please dont give him money.

Because you weren’t looking. He’s not to blame for that.

Tell the bloody truth. How could you honestly think telling the insurance company he crashed into you is ok? YOU are the one at fault here whatever way you look at it.

fucking hell. I have been driving for 40 years and this is the first accident I have had. I don't have 'motoring incompetence ', I had an accident

If I understand this correctly, if the car is older than three years old it needs the MOT for the insurance to be valid.

https://www.moneysupermarket.com/car-insurance/insurance-without-mot/

You reversed into him. You're at fault. He's the one that should be annoyed.

Yes he should be insured and he's clearly a twat that he's not. However, YOU are still the one at fault.

The other person is just as bad, no tax or MOT. Most likely no insurance. Arseholes like him make everyone else pay higher.

You do - because you stated you would lie about it.

Thats on you. Liars like you make premiums go up for us all.

How has it gone to 'I'm at fault, I reversed into him, but I don't want to pay because I'm skint' to 'it was his fault'?!

That’s irrelevant though. OP reversed into him, wants to not tell her insurance and wants to lie about it

Yeah and nobody is saying that’s the end of the world. The problem is that you are a dishonest liar who genuinely wanted to tell the insurance company a pack of lies about him hitting you from behind because you were skint and didn’t want to pay an increase in premiums. You caused the accident and should take responsibility. He might not claim from you but I do hope he does.

I mean it's true that he should be back at the give way junction and he has tried to cut past on the wrong side of the road. and I would have seen him if he hadn't done that. but yes, I do of course understand that I was reversing

That's what brakes are for. You stop if someone's doing the wrong thing around you. It's still your fault. You hit him.

The article you posted reads 'most insurers' and 'may', so not definitive.

I don’t think you are at fault. If you are queuing at a junction, you have to leave a reasonable space between your car and the car in front (you should be able to see their rear tyres) and not move forward until the way is fully clear - precisely because the car in front may need to reverse to avoid an accident.

Yes I think it sounds dodgy

still should report it to insurance but don’t give him any cash

he shouldn’t be on the road in the first place and no tax or MOT so effectively an offence

@notthisnowaswell OP, he's a chancer who's trying to intimidate you into giving him cash because he's uninsured. Just tell him he must follow the correct process, which is that he gives his insurer your insurer's details and they will sort it out (which you know he can't do, of course, because he's uninsured). Then block his number so he can't bother you directly again.
Then phone your insurer and report the "bump" to them (your insurance Terms & Conditions will contain a clause telling you that you must do this - you shouldn't ignore it). Your premium won't increase immediately, but at renewal, and at that point you can shop around for a better deal if your renewal quote shows a big increase - add a reminder to your calendar to shop for your new insurance precisely 23 days before your renewal is due (this is the "sweet spot" for getting the best deals).

This boils down to a simple question @notthisnowaswell could you get by if your insurance is cancelled due to you failing to report an accident which led to a claim, also meaning any future insurance you get for the car will be CRAZY expensive?

If the answer is no, get on the phone and report it to your insurance.

Even if you aren't claiming for the accident you are under obligation to report the accident to your insurance company. Read your policy.

How do you know he isn't insured? Did he actually tell you that? Just because the car you hit doesn't have an MOT or tax does NOT mean he doesn't have insurance, either on the car or personally.

Inform your insurance company and let them deal with him. Do NOT lie. It's just not worth it. You reversed, you hit him. Own it. If the other vehicle does have dashcam, even if it shows the other guy was driving badly, the fact that you lied will mean that at the very minimum they will go 50/50, but you may find they refuse to pay at all. They WILL find a loophole if they can.

I understand you are struggling financially and with your health at the moment and really hope things somehow improve for you and it's all probably clouding your judgement, but don't dig yourself a hole that might make your situation worse.