Conduct without insurance: a “worrying” increase in the number of victims to compensate, says the guarantee fund – 06/27/2025 at 4:02 pm

A man drives an electric scooter in Paris on September 4, 2021 (AFP / -)

The victims’ guarantee fund (FGV), which compensates victims of traffic accidents caused by an uninsured or unknown driver, deplores a “disturbing” increase in the number of people concerned and alert on the non-assurance of cars, but also scooters on Friday. Nevertheless,

Last year, this organization spent nearly 123 million euros to compensate 7,996 victims, a figure up 3.3% compared to 2023. In addition, Among these victims, 168 people died and their relatives were supported financially. Moreover,

“We are faced with a phenomenon which remains marginal in France. Furthermore, conduct without insurance: “worrying” increase fortunately, but which persists and is even slightly increase”, which is worrying “, observed on Friday on RMC the director general of the FGV, Julien Meet. Furthermore,

This increase was notably fed by an increase in the number of victims of drivers who committed a flight offense (+8.8%). Similarly,

Another engine of this increase: the multiplication of accidents involving “uninsured personal personal movement devices”. mainly electric scooters (98% of cases), but also sometimes beacons, hoverboards or monoroues, also subject to the insurance obligation.

In 2024. the fund took charge of 446 people injured in accidents caused by these machines (+22% compared to 2023) and compensated relatives of five deceased.

Concretely. the obligation relates to civil liability insurance, intended to cover the “damage that I can cause to others”, not to protect his own vehicle, recalled Mr. meeting on RMC.

The conduct without insurance: “worrying” increase FGV underlines in its report that some people are led “to ignore insurance” for economic reasons. especially when inflation is high as in 2022-2023. In fact, workers, students and unemployed are over-represented among unnecessary drivers, half of whom are young people.

In addition to the economic context, young drivers must also face higher insurance premiums, argued Mr. meeting, stressing that non-compliance with the insurance obligation was however “the worst of bets”.

“If you are checked by not being assured, you will incur a very heavy fine of 750 euros”, or even 3. 750 euros in the event of a recurrence, he recalled.

The amount of the fine is therefore of the same order as the average cost of automotive insurance for the year. valued at 722 euros in a study published by the comparator Assurland last week.

In practice. after having compensated conduct without insurance: “worrying” increase the victims, the fund, whose resources come from a contribution levied on each automotive insurance contract, turns against uninsured drivers to obtain the reimbursement of the sums paid to the victims.

In the event of an accident. the responsible driver will then go into debt to the FGV for amounts that can reach “tens, hundreds of thousands of euros, or even more,” warned Mr. meeting.