{"id":12377,"date":"2024-02-22T14:36:50","date_gmt":"2024-02-22T13:36:50","guid":{"rendered":"https:\/\/fairforce.one\/?p=12377"},"modified":"2024-02-22T14:30:00","modified_gmt":"2024-02-22T13:30:00","slug":"unfall-ohne-tuev","status":"publish","type":"post","link":"https:\/\/fairforce.one\/en\/ratgeber\/unfall-ohne-tuev\/","title":{"rendered":"Accident without a valid MOT - Does the insurance still pay?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12377\" class=\"elementor elementor-12377\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11ad4b8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11ad4b8e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66451b08\" data-id=\"66451b08\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f3a084 elementor-widget elementor-widget-text-editor\" data-id=\"1f3a084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It crashes and you suddenly remember: The main inspection, colloquially known as the MOT, was overdue. My car doesn't have a valid inspection sticker at the moment - I have an accident without an MOT.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In our guide, we explain when an expired MOT can become a problem and the best way to proceed after an accident with an expired MOT. <strong>The good news:<\/strong> Your car insurance will most likely cover the damage, but you may have to pay a big chunk extra depending on the expiry date.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5330df elementor-widget elementor-widget-text-editor\" data-id=\"a5330df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>In brief<\/div><div class='ff1-notification-box__content'><\/p>\n<ul>\n<li>If you are involved in a road accident without a valid MOT, you will not be in for a nasty surprise if you are only just over the limit.<\/li>\n<li>However, if your MOT has been expired for more than two months, you may have to undergo a recourse check by your car insurance company.<\/li>\n<li>However, you can only be held liable if you have acted with gross negligence. This must then be checked by an expert.<\/li>\n<li>The longer your MOT sticker has been expired, the greater the suspicion against you. In the worst case scenario, your insurance company will not cover the damage.<\/li>\n<li>The other party involved in the accident, on the other hand, has nothing to fear, as the insurance cover is maintained even without an MOT.<br \/>\n<\/div><\/div>\u00a0<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80e0849 elementor-widget elementor-widget-text-editor\" data-id=\"80e0849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"unfall-ohne-tuev-welche-folgen-sind-zu-erwarten\" title=\"Accident without MOT - What are the consequences?\">Accident without MOT - What are the consequences?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>What happens if you have an accident without an MOT? The good news is that if you are only a few days late, you should not expect any serious consequences. Nevertheless, you should endeavour to make an appointment for the main inspection as soon as possible. This is because you will be fined for the first time after a period of two months. If you wait any longer, it will be much more expensive and you may even collect points in Flensburg.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>We therefore advise you to have your main inspection in good time to ensure your road safety. You play it safe and avoid any discussions with your insurance company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c222e2 elementor-widget elementor-widget-template\" data-id=\"4c222e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"12416\" class=\"elementor elementor-12416\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6337a82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6337a82\" data-element_type=\"section\" data-e-type=\"section\" data-nosnippet=\"true\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f1f9d1\" data-id=\"9f1f9d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4efa476 elementor-widget elementor-widget-heading\" data-id=\"4efa476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Do you want to know what you are entitled to after your accident?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-399d25d elementor-widget elementor-widget-text-editor\" data-id=\"399d25d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Use the <strong>free of charge and without obligation<\/strong> Initial assessment of fairforce.one<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b90a4b elementor-align-left elementor-widget elementor-widget-button\" data-id=\"2b90a4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/lp\/anspruchsrechner\/?utm_source=fairforce.one&#038;utm_medium=ratgeber&#038;utm_content=%%postTitle%%&#038;utm_term=cta24checkneutral\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check claims now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1bbd9a elementor-widget elementor-widget-text-editor\" data-id=\"f1bbd9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>Important<\/div><div class='ff1-notification-box__content'><\/p>\n<p>If the main inspection is more than two months late, the test centres often charge 20 percent more for the inspection. This is justified by the additional work involved.<\/p>\n<\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-046e11d elementor-widget elementor-widget-text-editor\" data-id=\"046e11d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tip<\/strong>If you are still driving a new car, your first general inspection is only due after 36 months instead of the usual two years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-553a59e elementor-widget elementor-widget-text-editor\" data-id=\"553a59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>How long do I have insurance cover without an MOT?<\/strong><\/h2>\n<div><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">Your insurance also applies if you have an accident without a valid MOT. However, your insurance company may then be able to reclaim part of the claim amount from you.<\/span><br \/><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\"><br \/><\/span><\/div>\n<div><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">In principle, you are obliged to comply with the legally prescribed main inspection deadlines. But what happens if I exceptionally fail to meet the deadline on time? In addition to fines, there is also the threat of points in Flensburg. It all depends on the time period. The following applies to motor vehicles and trailers:<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b836c0 elementor-widget elementor-widget-text-editor\" data-id=\"7b836c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class='ff1-notification-box'><div class='ff1-notification-box__title'>Costs and penalties<\/div><div class='ff1-notification-box__content'><\/p>\n<ul>\n<li>2 to 4 months overdrawn: 15 euros<\/li>\n<li>4 to 8 months overdrawn: 25 euros<\/li>\n<li>More than 8 months overdue: 60 euros and 1 point<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e03ffee elementor-widget elementor-widget-text-editor\" data-id=\"e03ffee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>However, these penalties are not enforced by the insurer or the inspection body, but by the legislator in accordance with the catalogue of fines.\u00a0<\/p>\n<p>However, the longer you are on the road with an expired MOT, the greater the suspicion of gross negligence against you. This would be very unfavourable for you in a recourse case. However, if you are only a few days overdue, it is usually assumed that you forgot the deadline due to carelessness. In this case, you usually have nothing to fear. If you have exceeded the deadline by more than two months, you will be in need of an explanation.<\/p>\n<p><b>Tip:<\/b> The injured party does not have to worry. The insurance cover of the person responsible for the accident remains effective even without an MOT and fully covers all damage caused to third parties.<span style=\"font-weight: bolder;\"><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16f71b4 elementor-widget elementor-widget-text-editor\" data-id=\"16f71b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"habe-ich-auch-wenn-der-tuev-abgelaufen-ist-versicherungsschutz\" title=\"Do I have insurance cover even if the MOT has expired?\">Do I have insurance cover even if the MOT has expired?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If an accident occurs without an MOT, the insurance company will check whether the vehicle owner has acted with gross negligence. If you drive without a valid MOT, this can be interpreted as slight negligence on your part. As the vehicle owner, you must ensure that the deadlines are met.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In most cases, however, you can assume that your insurance company will not penalise you as a result. If you are guilty of gross negligence, your insurance company can take recourse against you. This means that you may be asked to pay part of the claim yourself - and that can be expensive!<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Good to know<\/strong>In order for your insurance company to be able to make a claim against you, your insurance company must doubt the roadworthy condition of your vehicle and call in an expert to check your car's roadworthiness. If you have not been to the garage for a long time, the worst-case scenario is that you will quickly be found out.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7edbd4f6 elementor-widget elementor-widget-text-editor\" data-id=\"7edbd4f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"der-unfall-hat-nichts-mit-der-vom-tuev-geprueften-leistung-zu-tun\" title=\"The accident has nothing to do with the performance tested by T\u00dcV?\">The accident has nothing to do with the performance tested by T\u00dcV?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If your accident has nothing to do with the performance tested by the MOT, this does not have a negative effect on the insurance company's coverage of the costs. In concrete terms, this means that the engine and brakes, for example, are tested during the general inspection. However, if the accident is simply due to human error, the validity of the MOT is not decisive for the insurance. The accident could probably not have been avoided by the main inspection.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"schritte-zur-fairen-schadensregulierung\" title=\"Steps towards fair claims settlement\">Steps towards fair claims settlement<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Are you involved in an accident with a car without an MOT, at least partly through no fault of your own? Or the person responsible for the accident no longer has an MOT?  Then it's best to report it quickly to fairforce.one. The proven procedure at a glance:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>You get into a traffic accident through no fault of your own and want to claim compensation.<\/li>\n<li>You report the accident to us risk-free and free of charge by telephone on 0800 30 111 60 or even faster online.<\/li>\n<li>Our competent team will examine your case immediately and explain how to proceed.<\/li>\n<li>The claims settlement is initiated and you no longer have to bother with paperwork.<\/li>\n<li>We make sure that you remain mobile.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The licensed specialists from the\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">Network<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">\u00a0from\u00a0<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">fairforce.one will take care of the necessary tasks and deal with your claims for damages, absolutely competently and without risk for you.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33d2596 elementor-widget elementor-widget-template\" data-id=\"33d2596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"12160\" class=\"elementor elementor-12160\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef95f4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef95f4a\" data-element_type=\"section\" data-e-type=\"section\" data-nosnippet=\"true\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b9d665\" data-id=\"1b9d665\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-220d30e elementor-widget elementor-widget-heading\" data-id=\"220d30e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Do you want to maximise the payout after your accident?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6ca7a elementor-widget elementor-widget-text-editor\" data-id=\"1e6ca7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Accident victims in your situation simply get the best support from fairforce.one.<\/p><p><strong>Depending on the cause of the accident, customers receive an average of \u20ac480<sup><a href=\"#footnotes\">2<\/a><\/sup> Additional payment<\/strong><\/p><p>Callback within 5 minutes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af1822b elementor-align-left elementor-widget elementor-widget-button\" data-id=\"af1822b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/lp\/anspruchsrechner\/?utm_source=fairforce.one&#038;utm_medium=ratgeber&#038;utm_content=%%postTitle%%&#038;utm_term=cta24check\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Check claims now free of charge<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-258bffa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"258bffa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-217e232\" data-id=\"217e232\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0edad58 elementor-widget elementor-widget-tc-faq\" data-id=\"0edad58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tc-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n                <div class=\"tc__faq-container\">\n                    <h2 class=\"tc__faq-title\" id=\"fragen-und-antworten-zum-fahren-ohne-tuev\" title=\"Questions and answers about driving without MOT\">Questions and answers about driving without MOT<\/h2>\n                    <div class=\"tc__faq-item-container\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n                        <div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"fahren-ohne-tuev-wer-haftet\" title=\"Driving without MOT - Who is liable?\">Driving without MOT - Who is liable?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you cause an accident, you are of course also liable for it. Regardless of whether you drive with or without an MOT. However, the good news is that your motor vehicle liability insurance will still cover you. Especially if you are only a few days late with the main inspection. Only if the MOT inspection is overdue for a longer period of time can your insurance company make a claim for compensation. However, you must have acted with gross negligence. This usually requires an expert opinion. The longer your MOT has been overdue, the higher the costs can be for you, up to and including a complete refusal of settlement.<\/p>\n<p>Good to know: As the victim of an accident, you have nothing to fear. The insurance cover of the person responsible remains intact even without an MOT.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/unfall-ohne-tuev\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"was-passiert-wenn-ich-mit-einem-auto-ohne-tuev-einen-unfall-baue\" title=\"What happens if I have an accident with a car without an MOT?\">What happens if I have an accident with a car without an MOT?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>The decisive factor here is how long the MOT expired before the accident happened. If it is only a few days, there are usually no recourse claims from the insurance company.<\/p>\n<p>However, the longer you wait, the better your insurance company's chances of taking recourse against you as the (partially) responsible party and recovering part of the damage from you.<\/p>\n<p>As the victim of an accident, you have nothing to fear. The insurance of the person responsible remains valid even without an MOT and covers all damage caused to you in full.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/unfall-ohne-tuev\/\">learn more<\/a><\/div><\/div><\/div><div class=\"tc__faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 class=\"tc__faq-item-title\" itemprop=\"name\" id=\"was-passiert-beim-tuev-ueberziehen-mit-der-versicherung\" title=\"What happens to the insurance if I overstay my MOT?\">What happens to the insurance if I overstay my MOT?<\/h3><div class=\"tc__faq-item-desc\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you drive without an MOT and cause an accident, this can affect the insurance benefits and lead to recourse claims. The longer the MOT has been expired, the higher the risk of recourse. The insurance company can therefore claim back part of the damage from you. Driving without an MOT with insurance can therefore still lead to high costs for you. It is therefore better to think about the main inspection in good time.<\/p><a style=\"display: none;\" href=\"https:\/\/fairforce.one\/en\/ratgeber\/unfall-ohne-tuev\/\">learn more<\/a><\/div><\/div><\/div>                    <\/div>\n                <\/div>\n                \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Es kracht und Ihnen f\u00e4llt pl\u00f6tzlich wieder ein: Die Hauptuntersuchung, umgangssprachlich T\u00dcV genannt, war \u00fcberf\u00e4llig. Mein Auto hat gerade keine g\u00fcltige Pr\u00fcfplakette \u2013 Ich habe einen Unfall ohne T\u00dcV. Wir erkl\u00e4ren Ihnen in unserem Ratgeber, wann der abgelaufene T\u00dcV zu einem Problem werden kann und wie Sie am besten nach einem Unfall mit abgelaufenem T\u00dcV [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":12457,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"12073,4985,5958,7030,2555,12102","_relevanssi_noindex_reason":"","_lmt_disableupdate":"yes","_lmt_disable":"no","yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[9],"tags":[11],"class_list":["post-12377","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ratgeber","tag-unfall"],"acf":[],"modified_by":"thecase_cmueller","yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":5},"_links":{"self":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/12377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/comments?post=12377"}],"version-history":[{"count":39,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/12377\/revisions"}],"predecessor-version":[{"id":12481,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/posts\/12377\/revisions\/12481"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/media\/12457"}],"wp:attachment":[{"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/media?parent=12377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/categories?post=12377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fairforce.one\/en\/wp-json\/wp\/v2\/tags?post=12377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}