118.4 million euros were paid out to accident victims in 2021

Through its annual barometer, the Victim Guarantee Fund has identified 22,983 people who have been held responsible after a traffic accident caused by a third party with no insurance or unidentified after a hit and run.

A decrease of 27% compared to 2020, this figure is also a decrease compared to 2019, the last reference year before the situation was distorted by the health crisis.

Among these victims, 8,138 people suffered bodily injury after an accident, while the damage for 14,845 of them was only material.

While the number of victims of uninsured drivers fell between 2019 and 2021, the amount of compensation to victims increased by 2.5% in the same period, from 115.5 million euros in 2019 to 118.4 million euros in 2021. Since 2016, this amount is even increased by 16.6%, including almost 24% for compensation for bodily injury alone.

Although most of the Victim Guarantee Fund’s interventions relate to motorists without road insurance (80% of whom are male and 61% are under 35), the number of hit-and-run offenses remains a problem. They have actually increased worryingly over the past 10 years: + 34%. It should also be noted that one of the reasons for hit and run is precisely the absence of insurance.

In terms of traffic accidents and claims related to lack of insurance for 10,000 vehicles, the departments Seine-Saint-Denis (7.9), Val-de-Marne (4.5), Paris (4.1), Bouches-du-Rhône ( 3.9) and Val-d’Oise (3.6) are poor students.

As a reminder, all vehicles must be insured against third parties as a minimum to cover personal injury and property damage in the event of an accident. The penalty for the lack of insurance is a fixed fine of €750. In the event of a repeat offence, the fine can reach €3,750, together with additional fines (suspension or cancellation of the driving license with a ban on taking it again, confiscation of the vehicle, etc.).

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