More importantly, if a vehicle is being driven on a road without a current, valid MOT then your insurance can become invalid.
Snapper, I wouldn't bother taking this any further. The lorry certainly won't have been damaged and the chances of the lorry driver admitting to his company he's had a prang and/or recording your wife's reg number are almost zero. If your wife got no details of the lorry, the police aren't going to be interested. If you claim on the insurance, then your excess will probably be the cost of the repair and you can look forward to an increased premium next year and possible loss of no claims bonus.
Quote from: Lez72More importantly, if a vehicle is being driven on a road without a current, valid MOT then your insurance can become invalid.Sorry, but that's wrong. An insurance company cannot invalidate insurance for having no MOT. Nearly all companies refer to "roadworthiness" in the policy wording, nothing about MOT; only a very few stipulate this. Just checked the three policies I have and they don't mention MOT and it's accepted that an MOT certificate is not proof of roadworthiness. In any case, you'd only be asked to send the MOT if the car was written off and at most, you'd get a lower valuation.Google it if you don't believe me.Snapper, I wouldn't bother taking this any further. The lorry certainly won't have been damaged and the chances of the lorry driver admitting to his company he's had a prang and/or recording your wife's reg number are almost zero. If your wife got no details of the lorry, the police aren't going to be interested. If you claim on the insurance, then your excess will probably be the cost of the repair and you can look forward to an increased premium next year and possible loss of no claims bonus.
Report to who? I thought you only had to report it to the police if someone was injured?