OT: car insurance claims

[Pevenseagull]

one of my mates has just had his car written off by a shunt upthe back end - the other driver was clearly responsible, accepts responsibility, has provided insurance details etc. etc.

my mate's properly insured, taxed, clean license etc. BUT

the MOT ran out last month



and he has to produce all his valid documents re his car to proceed with the claim

where does he stand?

 

[king Wombat]

fcked

 

[beorhthelm]

as his MOT ran out, he's not going to be "properly insured" by definition. However he's going to making a claim against the other persons insurance, not making a claim on his insurance so its a bit irrelevent... except of course the insurance company might then use the lack of MOT to get out of paying, ie if he claims they'll refer the details to the boys in blue. and that'll cost him 10 points on his licence. Rocks and other hard places spring to mind. But he'll still be able to claim.

 

[Raphael Meade]

is it 10 points for no MOT?!!!

 

[Gully]

He has to consider the cost of getting the damage fixed himself, that is to say not claiming, against the cost of sky high insurance for the next few years for having 10 points on his licence and the MoT oversight.

Broadly speaking, insurance companies will use any excuse to get out of paying up, not having an MoT would probably give them sufficient grounds in this instance.

 

[beorhthelm]

The 10 points would be for being uninsured.

While they might want to use it as an excuse, the insurance company still has to pay up. Whether he is insured or not, the claim is still valid - you dont have to be insured to make a claim against someone elses' insurance. Think about, if this wasnt a case a pedestrian or a cyclist wouldnt be able to claim.

 

[timseagull]

Unlikely to get 10 points for the MOT....more likely three and a sixty quid fine should the police find out and decide to persue it. Which they might not seeing the car is now damaged. Even if the did decide he was un insured (because the lack of MOT made the insurance void) he would possibly get another 3 points.

 

[Telscombe Seagull]

he's stuffed im afraid.

I work for an insurance company. They will do one of a couple of things.

1, they'll argue that as he wasn't MOT'd then he shouldnt be driving, if he wasn't driving then he wouldnt ahve been in a crash so its his own fault.

2, they 'advise' to present his docs to the bill or drop the claim, knowing that he'll get done by the police. its likely to be 3 points for no MOT and 6 for no insurance (because of no mot)

I work in the IT department but friends in the claims get well fed up with company 'policies' about how to get out of paying!

sorry its no good news, only other thing would be to get a bent MOT done if he knows anyone??!?!?!!?

 

[Easy 10]

Insurance companies eh. Absolute parasites.