Maître Elodie DHENRY

Avocat au barreau de Paris

Compétences : Droit du dommage corporel, Droit de la santé, Droit des assurances, Droit de la famille, des personnes et de leur patrimoine, Procédure civile

Barreau : Paris

Adresse : 76 AVENUE DES CHAMPS ELYSEES 75008 PARIS

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Publié le 15/09/2025

Accident de la route : que faire si le responsable est inconnu ou non assuré ?

Article juridique - Droit routier et de la circulation routière

Par Me Elodie DHENRY

Accident de la route : que faire si le responsable est inconnu ou non assuré ?

Qui va m’indemniser si le responsable prend la fuite ?

Lorsqu’un accident survient et que le conducteur responsable n’est pas identifié (délit de fuite) ou qu’il n’a pas d’assurance, la victime peut tout de même être indemnisée grâce au Fonds de Garantie des Assurances Obligatoires (FGAO).

Qu’est-ce que le FGAO ?

Le FGAO est un organisme qui peut intervenir pour indemniser les victimes :

d’un accident causé par un véhicule non assuré,
d’un accident dont le responsable est inconnu,
en cas de délit de fuite.

Il prend en charge en priorité les dommages corporels (blessures, séquelles, incapacité, décès). Les dommages matériels peuvent aussi être indemnisés, mais sous conditions.

Quelles démarches dois-je faire ?

Pour être indemnisé, la victime doit :

Déclarer l’accident rapidement (dans les 3 ans maximum, souvent moins),
Fournir tous les éléments de preuve (PV de police, témoignages, certificat médical…),
Adresser une demande complète au FGAO.

⚠️ Attention : si le dossier est incomplet ou présenté hors délai, l’indemnisation peut être refusée.

Pourquoi consulter un avocat ?

Les règles du FGAO ne sont pas simples. Les offres d’indemnisation sont souvent faibles. Un avocat peut :