Car insurance: is the accident with a wild animal compensated?
Verified 11 April 2024 - Directorate for Legal and Administrative Information (Prime Minister)
You have a traffic accident with a wild animal? You can claim compensation from your car insurance and the Compulsory Damage Insurance Guarantee Fund (FGAO). We present the applicable rules.
Vehicle Damage
Injuries to passengers
Driver injuries
The compensation for damage to the vehicle depends on the type of insurance cover.
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You are insured against all risks
If you are insured"all accidents" or all risks, the property damage of your vehicle will be covered by your insurance.
The insurer will retain a frankness, provided for in your contract.
You are insured to the third party
If you are insured"to one third" (or just a guarantee collision damage), the insurance will not compensate you.
Please note
the insurer shall not apply any malus if the accident with a wild animal falls within the scope of force majeure, in particular because of its unpredictability.
Compensation for personal injury depends on the severity of the damage and the type of insurance cover.
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Driver injured in accident
The intervention of the FGAO results from the existence or not of the driver's guarantee.
You have purchased the driver's warranty
If you were injured in the collision and you have a driver's guarantee, your insurance will cover your personal injury.
If the compensation is not complete, the Compulsory non-life insurance guarantee fund (FGAO) will be complementary.
The file with the FGAO must be submitted within 3 years of the accident, with the following form:
Claim for compensation from the FGAO by a victim of a traffic or hunting accident
You have not purchased the driver's warranty
If you do not have driver's guarantee, the FGAO can compensate you.
The file with the FGAO must be submitted within 3 years of the accident, with the following form:
Claim for compensation from the FGAO by a victim of a traffic or hunting accident
You must send the completed form with supporting documents to the FGAO.
Who shall I contact
Compulsory non-life insurance guarantee fund (FGAO)
Compensation for victims of road accidents whose perpetrators were not insured or identified.
Contact Form
Dead driver
If you are entitled to the driver who died in the accident with a wild animal, you can ask the Compulsory non-life insurance guarantee fund (FGAO) a complementary intervention.
The file with the FGAO must be filed within 3 years of the accident with the following form:
You must send the completed form with supporting documents to the FGAO.
Who shall I contact
Compulsory non-life insurance guarantee fund (FGAO)
Compensation for victims of road accidents whose perpetrators were not insured or identified.
Contact Form
The personal injury of passengers will be covered by your insurance, as thecompulsory insurance cover this damage.
Report them to the insurance company when you file your return.
Who can help me?
Find who can answer your questions in your region
For more information
Compulsory non-life insurance guarantee fund (FGAO)
Compensation for victims of road accidents whose perpetrators were not insured or identified.
Contact Form
For more information
Info Service Savings Bank Insurance
General provisions of the Guarantee Fund for Compulsory Damage Insurance
Provisions applicable to compensation for damage caused to persons
Supervisory and Resolution Authority (ACPR)