In 2020, on the roads of France, nearly 30,000 people were victims of a road accident caused by a driver in default of insurance, tells franceinfo the Victims Guarantee Fund (FGAO), Wednesday August 4 . In its annual barometer, it counts exactly 27,332 victims, including 7,984 bodily victims, of which 128 died.
If the total number of victims is down by 14.4% compared to 2019 (31,947 victims), it is to be compared with the decrease in road traffic and travel linked to the health crisis in 2020. It is the same goes for the 106.3 million euros in compensation paid to victims in 2020. They are down 8% compared to 2019, but up 10.3% compared to 2015.
“There are, among the poorest, people who have no choice and a real difficulty in obtaining insurance.”Philippe Roux, director of the FGAO
“The year 2020 is a real singularity”, estimates Wednesday August 4 on franceinfo the director of the Victims Guarantee Fund, Philippe Roux. According to him, the pandemic and the economic crisis it has engendered, has prompted people to give up insuring: “The current situation may soon reveal a population that will not necessarily have the means to insure.”
Among drivers in default of insurance, the FGAO differentiates between unsecured drivers, whose insurer contests the validity of their contract, unidentified drivers, after a hit-and-run, and uninsured drivers, which the FGAO portrays: 60% of them are under 35, the same proportion has modest incomes, and 80% are men.
The FGAO barometer specifies that in 81% of cases, accidents take place in cars, against 6% in two-wheelers. They most often operate on a municipal road (50.7%) or a departmental road (33.7%). The five most accident-prone departments in terms of non-insurance are, in order, Seine-Saint-Denis, Val-de-Marne, Val-d’Oise, Paris and Bouches-du-Rhône.
The Victims Guarantee Fund recalls that the law requires that all vehicles must be insured in order to compensate at least third-party victims of bodily injury or material damage in the event of an accident. Failure to have insurance results in a fixed fine of 750 euros. The penal response can go up to 7,500 euros in fine with additional penalties in the event of a repeat offense.
In the event of an accident, the uninsured party responsible must also reimburse the Guarantee Fund for the sums committed to compensate victims with an increase of 10%. “These sums can reach several million euros”, specifies the Victims Guarantee Fund. “Do not make sure”, as a driver, “it’s always the wrong choice”, insists Philippe Roux. “If there is an accident, the economic consequences will be borne in the long term by the perpetrator, by the one who has decided not to take out insurance”, explains Philippe Roux, who recalls that “Insurance in France is despite everything one of the cheapest in Europe”. “So, we really need everyone to mobilize, whether it is the media, whether it is the public authorities, whether it is the parents. is essential”, he concludes.