800,000 people drive without insurance according to the National Interministerial Observatory for Road Safety (ONISR). However, if you own (or rent) a motor vehicle or an EDPM (personal motorized transportation device), you must be insured even if the vehicle is not in use (stored in a garage, for example).
License suspension, fine, vehicle confiscation… Not forgetting to compensate the victims at your expense. We are dealing here only with the consequences towards third parties. Explanation sequence.
French legislation is getting tougher towards people who drive without insurance, legally called not having insurance: between a heavy fine, suspension of a driver’s license, or confiscation of the car, possibly accompanied by additional penalties.
Since 2019, the crackdown has intensified, in particular thanks to the police’s access to File Insured Vehicles (FVA) and then with the gradual implementation of automated number plate readers.
Remember that your obligation is to have at least third party liability insurance.
responsible in the event of an accident
If you are a responsible accident owner, the consequences can be very serious. You will not be compensated for physical damage to your vehicle, and in the event of an injury, you will have to take financial responsibility for your physical injury.
In respect of the victim(s), material and physical damages are covered by the Compulsory Insurance Guarantee Fund (FGAO), which will compensate them. But then the FGAO will turn against you so that you can pay back the amounts you paid.
The refunds are great
Repayment may take years depending on the greater or lesser physical harm suffered by the victims. Damage coverage may also include amounts potentially payable to victims by health insurance as well as penalties provided in uninsured driving criminal proceedings.
So the driver responsible for the accident will have to make a monthly payment, which is calculated on the basis of his income, and sometimes for his entire life.
And in the event of an irresponsible accident?
In the event of an accident in which your liability is not involved, you risk the criminal penalties inherent in the offense of lack of insurance (even if you pay a fine, lack of insurance is an offense).
Your damage can still be compensated by the author of the accident (Badinter Act 1985). Your lack of insurance will have no effect on the amount of compensation.