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France’s Guarantee Fund Sees 3.3% Uptick in Uninsured Accident Claims

Economic hardship has led many motorists and personal transport device users to forgo coverage, prompting higher FGV payments and debt recovery efforts.

Un homme conduit une trotinette électrique à Paris, le 4 septembre 2021
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Overview

  • The FGV disbursed nearly €123 million to indemnify 7,996 victims of uninsured or hit-and-run drivers in 2024, up 3.3% from 2023.
  • Families of 168 people killed by uninsured or unknown drivers received compensation under the FGV’s 2024 report.
  • Accidents involving uninsured personal motorized transport devices, chiefly e-scooters, resulted in 446 injuries (+22%) and five deaths last year.
  • An 8.8% rise in hit-and-run incidents contributed to the increased workload and payouts for the FGV in 2024.
  • Uninsured drivers face fines up to €750, reimbursement of indemnities plus a 10% surcharge and potential lifelong debt, with young and economically vulnerable groups overrepresented.