Nearly 250,000 drivers concerned!

“Depending on the severity of the accident. Nevertheless, these amounts can reach hundreds of thousands, even millions of euros, or a debt that can have a long-term, if life, the financial capacities of unwanted drivers“Observes the FGAO. Similarly, Photo Maxppp

Roll without insurance, heresy? Nevertheless, Certainly (!). Moreover, Since in the event of a responsible accident, you become personally liable for compensation and costs incurred, which you will have to reimburse – with an increase of 10% – to the compulsory insurance guarantee fund (FGAO). In addition, Sums absolutely colossal are then at stake. which means in some cases a financial commitment which may last a whole life. To date, some 15,400 drivers are indeed continued by the fund for amounts which can exceed several hundred thousand euros.

The most worrying is that the phenomenon nearly 250,000 drivers concerned! is increasing, as the organization reveals this Friday morning. Next to 250 000 Drivers would circulate without insurance, and the number of persons supported by the fund grew 3.3 % last year, representing nearly 8,000 injured victims and an increase of 5 % in the number of victims deceased.

According to the FGAO. which paid 123 million euros To victims last year, this development is explained both by the increase in flight crimes (8.8% increase in the number of victims injured by unidentified drivers). by the “persistence of behavior of road delinquency whose non-compliance with the insurance obligation is a facet“, or even by the increase in accidents involving drivers of electric scooters (or gear assimilating it). On this last point, we note that 8.6% of electric scooters are involved in an accident caused by an unwelcome driver, more than two-wheelers!

Added to this is another phenomenon. economic: insurance costs more and more expensive Each year, and a number of poorly advised drivers can decide to ignore this expense post. In its latest annual assessment, the online comparator Assurland.com stresses that the average price of car insurance in France amounts to € 722 (+6.8% vs 2024). and that “Drivers under the age of 25 pay almost 1600 € their premium, an increase of 14% over one year“The causes of these increases are found in the price of new spare parts, the new technologies that increase the cost of cars, climate loss (hail, floods, etc.), and the resurgence of car flights.

These factors therefore help to increase the amount of premiums. even if they are of course not in any way a pretext for not paying this insurance obligation. Finally. note that driving without a civil liability guarantee nearly 250,000 drivers concerned! (the minimum formula) is liable to a flat -rate fine of € 750, which can climb to 3 750 € In the event of a recurrence. Obviously, these amounts are not yet dissuasive enough.