Third-party liability compensation of severe motor bodily injury claims

France 2019

A 40 pages PDF white paper based on 2200 cases and 60 years of experience

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Each year, the French motor insurance market provides compensation to 151,000 accident victims at a total cost of 4.6 billion euros.

Road safety and prevention initiatives undertaken since 2005 have helped to progressively decrease the number of road accident victims. However, the severity of bodily injuries remains high. Consequently, almost 22% of all compensation provided by the market (1 billion euros) is used to indemnify 0.5% of all accident victims (600 victims).

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Compensation for the most severely injured victims increases by 7% each year. A portion is covered by a reinsurance program.

Who are the victims?
What are the reasons for these increases?