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Chat Area => General Car Chat => Topic started by: Andy B on 08 February 2018, 12:49:22

Title: Shunted on the way home .....
Post by: Andy B on 08 February 2018, 12:49:22
 ..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?
Title: Re: Shunted on the way home .....
Post by: Shackeng on 08 February 2018, 12:52:22
What doubt? Did he hit you or not?  If he did, he is responsible. >:(
Title: Re: Shunted on the way home .....
Post by: Bigron on 08 February 2018, 12:56:08
And driving illegally - therefore uninsured?

Ron.
Title: Re: Shunted on the way home .....
Post by: STEMO on 08 February 2018, 12:57:35
How's your neck?  ::)
Title: Re: Shunted on the way home .....
Post by: Field Marshal Dr. Opti on 08 February 2018, 13:24:21
How's your neck?  ::)

Where there is blame there is a claim. ::)
Title: Re: Shunted on the way home .....
Post by: Fuse 19 on 08 February 2018, 14:02:54
And driving illegally - therefore uninsured?

Ron.

If he has insurance then yes, his vehicle will not be covered but, the third party will be.....it wont be good for him though as he's looking at the policy being cancelled and a black mark on his record.

Title: Re: Shunted on the way home .....
Post by: Fuse 19 on 08 February 2018, 14:03:32
..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?

Nope, report it to your insurance company......as you are contractually obliged to.
Title: Re: Shunted on the way home .....
Post by: henryd on 08 February 2018, 15:33:37
..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?

Nope, report it to your insurance company......as you are contractually obliged to.

+1,then if you find damage you are covered,his problem if his mot is out,not yours :y
Title: Re: Shunted on the way home .....
Post by: Andy B on 08 February 2018, 17:15:32
How's your neck?  ::)

Funnily enough it's  OK  :y
Title: Re: Shunted on the way home .....
Post by: Andy B on 08 February 2018, 17:21:42
My neighbour is a copper. I asked him about it & he says that plod generally give people about 6 weeks grace for no MOT.  :-\

Been under the car this afternoon & with exception of a clip holding a panel in place at the side of the centre Brabus exhaust being dislodged, all is really as it should be. I suppose it says something of Smart in the fact that 850kg stood up to 2 tonne plus of LR
Title: Re: Shunted on the way home .....
Post by: STEMO on 08 February 2018, 17:22:15
How's your neck?  ::)

Funnily enough it's  OK  :y
It can get painful at any time within three years.....apparently  ;D
Title: Re: Shunted on the way home .....
Post by: Andy B on 08 February 2018, 17:24:06
..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?
H
Nope, report it to your insurance company......as you are contractually obliged to.

The trouble with being an up standing member of the community & doing things as we should is that insurers tend to bite hoth parties on the bum come renewal time
Title: Re: Shunted on the way home .....
Post by: STEMO on 08 February 2018, 17:26:37
My neighbour is a copper. I asked him about it & he says that plod generally give people about 6 weeks grace for no MOT.  :-\

Been under the car this afternoon & with exception of a clip holding a panel in place at the side of the centre Brabus exhaust being dislodged, all is really as it should be. I suppose it says something of Smart in the fact that 850kg stood up to 2 tonne plus of LR
I watched an episode of Fifth Gear where they smashed a smart into a solid concrete block at 30mph, 50 and 70. Even after the 70mph collision the protective cage was intact. They said it made no difference to the driver, however, because coming down from 70 to 0 is most definitely not good for the human body. Your brain would hit your skull and your internal organs would hit your rib cage.
Nice.
Title: Re: Shunted on the way home .....
Post by: STEMO on 08 February 2018, 17:27:25
..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?
H
Nope, report it to your insurance company......as you are contractually obliged to.

The trouble with being an up standing member of the community & doing things as we should is that insurers tend to bite hoth parties on the bum come renewal time
Yep, even if there's no claim. Bastards.
Title: Re: Shunted on the way home .....
Post by: moggy on 08 February 2018, 19:29:42
My neighbour is a copper. I asked him about it & he says that plod generally give people about 6 weeks grace for no MOT.  :-\

Been under the car this afternoon & with exception of a clip holding a panel in place at the side of the centre Brabus exhaust being dislodged, all is really as it should be. I suppose it says something of Smart in the fact that 850kg stood up to 2 tonne plus of LR
Fukcing hell,that can't be right.Dean.
Title: Re: Shunted on the way home .....
Post by: jonathanh on 08 February 2018, 19:51:35
..... last night while in my Fortwo Smart by a Land Rover Sport. Though I've yet to get under & have a proper look, my Smart seems unscathed. His MOT ran out 2 Jan 2018, do I give hi me the benefit of the doubt?

Nope, report it to your insurance company......as you are contractually obliged to.

Not exactly.  Read your policy first, as wording varies.  Some simply say notify if you are involved in an accident.  Other say notify if you are involved in an accident that could lead to a claim on the policy.  In the latter case, as the other driver is at fault and you will not claim on your policy then no need to notify your insurer
Title: Re: Shunted on the way home .....
Post by: BazaJT on 08 February 2018, 19:54:05
I know at one time most police officers would give 14 days "grace" for no road tax[as it was then]although of course this was not set in stone so they could do you for it if they wanted to,not heard of this in relation to no M.o.T. though.Last I heard[again it may have changed now]not having an M.o.T.[technically at least voiding your insurance]was not an endorsable offence,just a fine.
Title: Re: Shunted on the way home .....
Post by: Doctor Gollum on 08 February 2018, 20:25:30
My neighbour is a copper. I asked him about it & he says that plod generally give people about 6 weeks grace for no MOT.  :-\

Been under the car this afternoon & with exception of a clip holding a panel in place at the side of the centre Brabus exhaust being dislodged, all is really as it should be. I suppose it says something of Smart in the fact that 850kg stood up to 2 tonne plus of LR
Fukcing hell,that can't be right.Dean.
Yup...

Anything less is plausible forgetfulness, anything over is considered deliberate.

Same for rfl, needs to be over a month out to make a prosecution stick.
Title: Re: Shunted on the way home .....
Post by: jimmy944 on 09 February 2018, 00:33:05
I can confirm from my own, stupid experience.

The Desmondís MOT ran our 8 days into a 3 week jaunt to the states not so long ago. My phone helpfully reminded me one day after I landed in Ohio ::).

On the way back from BHX I had my collar felt by two plod in an unmarked Octavia, they gave me a bit of a quiz, glanced over the mig (4 tyres in place, non bald, lights working etc) and sent me off with instructions to get it addressed.

That said, passport (proof of ID), boarding card and suitcase, oh and Valid VED via DD were all no doubt indicators I wasnít spinning a yarn. :y
Title: Re: Shunted on the way home .....
Post by: grifter on 14 February 2018, 07:42:29
I was hit by uninsured driver years ago i was driving an old rover 216. Polis told me to submit claim to motor insurance bureau, sent damage estimate and police report, got 280 back for a creased bumper, which i never bothered to fix.
Title: Re: Shunted on the way home .....
Post by: New POD on 14 February 2018, 22:58:32
did the Lack of MOT cause the accident. No.

Insurers can only use the lack of MOT to get out of claims if the cause of the accident was something that would have caused the car to fail an mot, and only then if you were not driving to a pre-booked  MOT.  High Court Ruling and all that.

Not being funny, but we all have accidents, and some of us may have forgotten for a whole 9 months to MOT their totally road worthy car.
Title: Re: Shunted on the way home .....
Post by: Doctor Gollum on 15 February 2018, 00:49:36
did the Lack of MOT cause the accident. No.

Insurers can only use the lack of MOT to get out of claims if the cause of the accident was something that would have caused the car to fail an mot, and only then if you were not driving to a pre-booked  MOT.  High Court Ruling and all that.

Not being funny, but we all have accidents, and some of us may have forgotten for a whole 9 months to MOT their totally road worthy car.
The lack of an MoT is an unknown factor in this accident... Without being tested, it may have had a contributory defect. And without the registration number, you have no way of knowing exactly what the condition was at the time of the previous test...

If you have driven your car around without an MoT for nine months, then you probably shouldn't have a car, regardless of how road worthy you believe it to be :-X
Title: Re: Shunted on the way home .....
Post by: Andy B on 15 February 2018, 09:14:25
did the Lack of MOT cause the accident. No.

Insurers can only use the lack of MOT to get out of claims if the cause of the accident was something that would have caused the car to fail an mot, and only then if you were not driving to a pre-booked  MOT.  High Court Ruling and all that.

Not being funny, but we all have accidents, and some of us may have forgotten for a whole 9 months to MOT their totally road worthy car.
The lack of an MoT is an unknown factor in this accident... Without being tested, it may have had a contributory defect. And without the registration number, you have no way of knowing exactly what the condition was at the time of the previous test...

If you have driven your car around without an MoT for nine months, then you probably shouldn't have a car, regardless of how road worthy you believe it to be :-X

The main contributor to this bump was the nut holding the wheel of the Land Rover ..... nothing particularly untoward on previous MOTs   ;)