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Car accident without MOT: Overview of consequences and penalties
Find out whether the insurance will pay if an accident occurs with a car without an MOT. Informative insights from Julia Cuprakowa. #Car accident #Insurance #TÜV
Car accident without MOT: Overview of consequences and penalties
Drivers who unintentionally or consciously drive without a valid general inspection (HU) are faced with various complications in the event of an accident. The annoyance increases because, in addition to possible fines and points in Flensburg, the question also arises as to which insurance will cover the resulting vehicle damage.
An expired general inspection can mean that the vehicle does not meet all the necessary safety requirements, which increases the risk of an accident. In the event of an accident without a valid MOT, the insurance company can check whether there was gross negligence on the part of the vehicle owner. In this case, the driver could have known about the defects in their vehicle and still drove. However, there is a possibility that the driver is concealing the truth, which makes the legal process more difficult.
Motor vehicle liability insurance usually covers third-party damage, even if the MOT has expired. However, if the driver is grossly negligent, the insurance company can call in an expert to assess the technical condition of the vehicle at the time of the accident. In such cases, the driver may be subject to “recourse” and have to pay back part of their own damages to the insurer.
In the event of an accident without a valid MOT, it will also be checked how long the vehicle has been without an MOT. Motor vehicle liability insurance usually only covers damage if the general inspection has recently expired. However, if the HU is already months or years overdue and an expert finds defects in the vehicle, further measures such as the driver's involvement in the damage settlement or fines and points in Flensburg may be threatened.
It is important to carry out regular general inspections of the car to avoid accidents due to technical defects. Drivers should be aware that an accident involving a vehicle that has not been MOT tested can have serious consequences, both in terms of road safety and insurance claims.