There are more and more uninsured motorists involved in road accidents. Here are the 5 riskiest departments.
Non-insurance is a scourge… Here is a summary of the latest findings drawn up in June by the Compulsory Damage Insurance Guarantee Fund (FGAO).
If car insurance is a legal obligation for motorists with the subscription, at least, of a third-party contract which only covers compensation for damage caused to others, many drivers drive without insurance.
Over the last five years, the FGAO has noted a 44% increase in the proportion of uninsured drivers involved in injury accidents.
As a result, in 2022, the FGAO compensated 8,443 injured victims and the relatives of 157 deceased people, for payments which reached 107 million euros, an increase of 2.1% compared to 2019.
The FGAO then turns against the uninsured driver to obtain reimbursement of the sums paid. Depending on the severity of the accident, these amounts can reach hundreds of thousands or even millions of euros.
Non-insurance is a scourge for the community which bears most of the cost via the contribution levied on all insured persons, which funds the Victims’ Guarantee Fund, explains the FGAO.
Millions of euros… What you risk paying by driving without car insurance
1.4 accidents caused by uninsured people per 10,000 vehicles on average
In its latest barometer of non-insurance, the Victims’ Guarantee Fund compares, for each department, the loss experience linked to lack of insurance for 10,000 vehicles. On average, 1.4 accidents are caused by uninsured people per 10,000 vehicles in France.
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An average which hides very strong disparities. The FGAO draws up the list of the 5 most accident-prone departments in terms of non-insurance, depending on the place of registration of the vehicle involved.
The ratio of the number of accidents in relation to the number of vehicles registered in the department reaches 9.6 in Seine-Saint-Denis. This is almost 7 times the national average. The ratio is 5 in Val-de-Marne, 4.5 in Paris, 4.4 in Val-d’Oise and 3.7 in Bouches du Rhne.
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Uninsurance in figures
According to the National Interministerial Road Safety Observatory (ONISR), more than 77,000 offenses for lack of insurance were recorded in 2021 (+18% over one year). For its part, the Compulsory Damage Insurance Guarantee Fund (FGAO) estimated that more than 800,000 automobiles, or 2% of the automobile fleet, were traveling without insurance in 2020.