Hi,

I had an accident on the 3rd of February with the third party being completely at fault along with a witness however after the claim was being processed I noticed my tax had expired a month earlier. It was not my intention to be driving without tax and I rectified the issue by taxing the car immediately. When I taxed the car mid February online it showed that the tax is valid from 1st February which covers it for the accident date. I also paid for the missed January month of tax but my concern is about the third party paying out for the claim.

If the third party did ever find out that the car was untaxed at the time of the incident would they have the right not to pay out although I taxed the car as soon as I found out and says it's valid from the beginning of Feb?

I know road tax is more of a revenue system for HMRC and has nothing to do with accident liability and also unlike an mot which is important for road worthiness.

Would it be enough of a reason for them not to pay out? It was not my intention at all driving without tax but I was simply unaware and only for just over a month.

And if they did pay out but found out on a later date could they initiate a clawback style demand that I pay the full compensation amount, take me to court or maybe even try and do me for fraud?

And surely if I have paid all tax that was missed and due then I am all up to date with dvla and what I owe to the government. I know it was not taxed at the time of accident but paying the tax has made my tax valid from first of Feb and that's just the way it is and something which I can't control. It does seem like back dating the tax doesn't make sense but if dvla say it's valid from 1st Feb then it is.

Thank you for reading and hope someone can give me some insight.

Edited by Afsor Ahmed on 22/02/2020 at 14:06