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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.

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.