Car Query.

[astrologica]

Evening all...I have a query. If a person has a car accident which is not their fault, and then they discover that their car tax is a little out of date...does that invalidate their car insurance? I have looked online but found conflicting information. And no....it's not me...I can't drive! It's a friend who doesn't really know what to do in this situation.

[thisisabrandname]

If the car tax was out of date the insurance is invalid, your friend is in a bit of trouble!

[cee-dee]

Your friend might face some problem from an awkward insurance company, they do vary in trying to wriggle out of paying.

However, it's the DVLA that might cause your friend the most trouble. The best thing your friend could do is tax it right now from the time the tax ran out. You didn't say when it ran out? A little? How much? A few days or another month?

Did your friend tell the other party the tax was out of date? No-one would know unless your friend mentioned it or the other party checked.

Generally no tax isn't a reason to invalidate insurance but no MOT certainly is.

[listagogo]

You are wrong, insurance is not invalidated by lack of current road tax or MOT.  Some insurance companies may include such a term in their policy but it is not enforceable -  if a company tries to enforce such a term contact the relevant regulatory body - they'll put them right..  

[astrologica]

The tax is a few days out of date from what I can gather. She has always kept tax, insurance, mot up to scratch in the past, but has had a few problems recently and lost the plot a little. The posts here seem to reflect what I have found online.....conflicting opinions.

[cee-dee]

They're conflicting because as with a lot of things "it all depends".

If the tax ran out at the end of April and the vehicle has not been SORN'd, a fine is usually made but for using it on the road, a further offence has been committed.

As to the prang, if your friend (the driver?) wasn't at fault, the insurers of the other party may try to cause a bit of aggro and try to get out of paying for any damage to your friends vehicle.

Has your friend taxed it now? Why not? Do it NOW.

[mikes*corvettes]

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@astrologica wrote:

Evening all...I have a query. If a person has a car accident which is not their fault,

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If it's not their fault.

If their insurance is null and void is neither here or there, as they would be claiming on the the third parties insurance.

If they where at fault then they might come across some problems.

[evoman3957]

No: 8

http://www.telegraph.co.uk/motoring/picturegalleries/9287871/10-car-insurance-myths-busted.html?fram...

[astrologica]

Thank you all for your links.....it does seem that the insurance companies can say Yeah or Nay. Speaking to my friend again, she has heard nothing from the other driver or his insurance, so it seems that he is not going to persue it, for whatever reason. I think she intends to scrap her car and start again.