When you get into a cab, you expect a safe journey, guided by a responsible driver. Unfortunately, some companies and drivers fail to meet their insurance obligations. If you find yourself involved in an accident with an uninsured cab, it’s crucial to know your rights and how to go about obtaining compensation.
Cab obligations
In France, all cabs are required to take out compulsory insurance to guarantee passenger safety. This requirement is designed to protect users in the event of an accident. However, some drivers may choose to ignore this rule, jeopardizing passenger safety.
Role of the French Compulsory Insurance Guarantee Fund (FGAO)
The FGAO is an institution that intervenes when the person responsible for an accident is uninsured, has absconded or is in receivership. In such cases, the Fund pays compensation up to the legal limits.
Steps to take after an accident
- File a complaint: You must report the accident to the authorities (police or gendarmerie) within 5 days. This is essential to start the compensation process.
- Putting together your file: Gather all the necessary documents (cab fare, accident report, medical certificates, proof of expenses incurred, etc.) and send them to the FGAO, along with a copy of your claim.
- Patience and follow-up: The compensation procedure can be lengthy. Expect delays of several months, depending on the complexity of your case and the number of claims being processed. The FGAO takes around 3 months to inform you of its decision.
Amount of compensation
The amount of compensation depends on the nature of the damage suffered: medical expenses, loss of income or property damage. It is therefore essential to keep all proof of your expenses in order to maximize your compensation.
Calling on a lawyer
In such a complex and stressful situation, it may be a good idea to consult a lawyer specializing in road accidents. This professional will help you build a solid case and defend your rights against the FGAO, guiding you every step of the way.
Conclusion
An accident involving an uninsured cab or VTC (Transport Car with Driver) may seem overwhelming, but knowing your rights and the steps to take can make all the difference. Don’t underestimate the importance of administrative procedures, and don’t hesitate to ask a professional for help. By being well informed and accompanied, you increase your chances of obtaining fair compensation and overcoming this ordeal.
Reminder: Professional liability insurance for cabs is essential to ensure passenger safety. Operating liability and traffic liability insurance enable them to take responsibility in the event of an accident, even if the vehicle is not directly involved. Make sure the driver you choose meets all the insurance standards required for your own safety.
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