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DRIVING

What to do if you are hit by an uninsured driver in France?

Nearly 23,000 people across France were involved in a road accident with an uninsured motorist in 2021 - so here is what you need to know about being compensated in this situation.

What to do if you are hit by an uninsured driver in France?
Vehicles along the A10 highway (Photo by JULIEN DE ROSA / AFP)

For Julien Rencki, the head of the victims solidarity insurance fund, estimates that there are a little less than one million uninsured drivers on French roads, and he expects the number of incidents between uninsured and insured drivers to grow once more.

“In the first six months of 2022, we had already taken care of 15,000 victims, including more than 5,000 with physical injuries,” Rencki told French daily Le Parisien.

So in the not unlikely event that you are hit by an uninsured drover, what should you do?

First, you should check to see whether you are insured “against all risks” with your vehicle insurance. If so, your insurer will be required to compensate you for both injury and property damage.

READ MORE: Seven need-to-know tips for cutting the cost of car insurance in France

You should also check to see whether your plan with your insurance company has a “defence-recovery” clause (this would cover the cost of legal proceedings in the event of a dispute). 

However, if you have a partial coverage plan (in French this is: assurée qu’au tiers) and you are not entitled to compensation with your insurance company, then you can still be entitled to compensation thanks to the victim’s fund (FGA) – an association that exists to provide compensation to victims, including those of road accidents in scenarios where the perpetrator was uninsured.

In fact, if you or the passengers in your car were injured and the police intervened, and it was noted that the person responsible was uninsured or fled, then the officers would have been required to send a report to the victim’s fund. You would be able to access this on their website HERE.

To apply for this financial assistance, you will need to fill out a claim form, and provide identification as well as a copy of the police or gendarmerie report. If you do not have the latter, you can also send a copy of the accident report, as long as it was signed by both parties, or an accident statement with witness signatures. This will serve as proof that you were not at fault in the accident.

You have up to three years to appeal to the FGA.

If you are given an offer for compensation, then you can either accept or refuse it. 

READ MORE: Driving in France: Understanding the new French traffic laws

The rules on car insurance in France

In France, motorists are required to have third-party insurance, and anyone who drives without insurance risks penalties, such as a fine of up to €3,750, a licence suspension for up to three years, or the confiscation of your vehicle. Penalties may be more severe depending on how long the person is proven to have driven without a licence. 

Additionally, for the motorist without insurance, if they are responsible for an accident, they can still be required to pay the victim’s fund if indemnities are paid to the victim. These fees can amount to several thousand euros.

Vehicle insurance companies are seeking to find ways to encourage the uninsured to sign up for plans, as many cite high costs as the reason they do not have insurance. 

For instance, in September, several insurance companies set up ‘inflation packages’ to help young or unemployed drivers afford car insurance, reported Le Parisien.

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TRAVEL NEWS

Driving in France: Motorway tolls rise from February 1st

The cost of using France’s motorway network rose by a below-inflation average of 4.75 percent on Wednesday, February 1st.

Driving in France: Motorway tolls rise from February 1st

Going through the toll booths on France’s motorway network now costs more – though the average 4.75 percent increase remains below inflation, and is lower than the price rise of between 7 percent and 8 percent predicted last September after Transport Minister Clément Beaune called for “reasonable increases”.

“We are well below the reference inflation rate of 6.33 percent,” Vinci Autoroutes, which manages nearly half of the French network, said in a statement.

Even so, motorists may not appreciate the motorway companies’ efforts to ease the effects of the cost of living crisis, as prices rise unevenly across the board.

A journey from Toulon, in the Var, to Mandelieu, in Alpes-Maritimes (113km) now costs €13 in tolls, up from €12.10 in 2022 – an increase of 7.4 percent.

Drivers heading between Lyon and Montpellier now have to pay an extra €1.90 to make their journey, up 6.7 percent on last year’s prices; and motorists will have to pay an additional €2.10 to make the five-hour journey along the A4 between Paris and Strasbourg.

In recent years, the annual rate of the annual increases has been lower. Tolls went up 2 percent on average last year, and just 0.44 percent in 2021. The annual increases are based on a formula that takes into account the rate of inflation and the amount of maintenance work undertaken, which is written into the motorway operators’ contracts with the government.

For home-work trips, Vinci Autoroutes has frozen the prices of 70 percent of trips of less than 30 km, as well as “half of trips of less than 50km and the bypass routes of 35 towns”.

The stretches between Aubagne and Cassis (Bouches-du-Rhône) on the A50, between Villefranche-de-Lauragais and Toulouse sud (Haute-Garonne) on the A61, and between Orléans nord and Olivet (Loiret) on the A10, for example, will see no price increase.

Subscribers to the Ulys 30 electronic toll system, meanwhile, now receive 40 percent concessions, compared to 30 percent previously on their regular commuter route.

According to Vinci, for every €10 in tolls, €4 is then paid to the government in taxes; €3.50 covers maintenance, modernisation and operating costs; and the remainder repays investors and services debts.

However, motorway operators are regularly singled out for the scale of their profits, recorded at €3.9 billion in 2021, 11 percent more than in 2019. 

If you’re driving in French towns and cities, remember that you may need a Crit’Air sticker – full details HERE.

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