Any vehicle that is three years old or more must have an MOT certificate to ensure that it meets roadworthiness and environmental standards before it is driven on public highways. While an MOT certificate is required before anyone is able to insure their vehicle, a problem arises if it expires while the insurance is still in force, especially if you have a car accident.
It is illegal to drive a vehicle on the road without a valid MOT certificate, be it deliberate or an oversight. However, if you find yourself in the unfortunate position of not having a current certificate, it will not necessarily mean that your insurance cover is invalidated. This is because most providers of car insurance do not include any mention of MOT in the terms and conditions of their policies.
However, the extent of the damage resulting from an accident, together with the amount of money that will have to be paid out, may make the insurance company insistent on seeing a valid and up-to-date MOT certificate. This may not happen if the claim is only small, but could create problems if the amount involved is substantial. In such cases, it is advisable to seek legal advice regarding what options are open to you.
What to do if the car accident was not your fault
Not having a current MOT certificate should not affect your ability to make a claim if you were in an accident that was not your fault. Not only will it be possible to make a claim for damage to your vehicle, but you will also be able to seek compensation for any injuries.
Receiving compensation will be very important if it is necessary to take time off work and you suffer a loss of earnings as a result. If you are injured in a car accident, the police will need to be involved. It can also lead to you being prosecuted for not having a valid MOT certificate for your vehicle. However, police involvement will verify the party responsible for the accident. Their findings could also be crucial in the battle for compensation.
When seeking compensation, employing the services of a solicitor who specialises in such cases is recommended. This is because the guilty party could refuse to admit liability and their insurance provider might decide to launch a defence. They may also use the fact that you did not have a valid MOT certificate in their case. In the face of such opposition, it is all but essential you have proper legal representation.
How much will it cost to use the services of a claims solicitor?
Many people who wish to pursue a compensation claim are put off because they fear they will be left facing huge costs, particularly if the claim is lost. This is not the case with no win no fee* claims; if the case is lost, you will not be responsible for paying any fees. When assessing your case, we will first determine whether or not you in fact have a sound case. If we believe that you do, then we will pursue it on a no win no fee* basis.
Call us today on 0800 689 0500 from a landline or 0333 500 0993 from a mobile to get your claim started. Lines are open 24 hours a day, seven days a week.