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Filing a car insurance claim in France can seem overwhelming, especially for expats unfamiliar with the system. Whether you're dealing with an accident, theft, or damage, understanding the process ensures a smoother experience and quicker resolution. From completing the essential Constat Amiable to using the auto e-report app, here’s everything you need to know about making a car insurance claim in France.
Reporting an Accident: The Essential First Steps
If you’re involved in a car accident in France, you must report it to your insurer within five days. Failing to do so can delay or even jeopardise your claim. Here are the steps to follow:
1. Fill Out the Constat Amiable (European Accident Report Form)
The Constat Amiable d'Accident Automobile (or Constat Européen d'Accident) is a mandatory accident report used in France and across the EU. This document helps insurers determine liability and process claims faster.
✔ Complete the form with the other driver at the scene of the accident.
✔ Include accurate details such as driver names, addresses, vehicle registration numbers, and insurance details.
✔ Both parties must sign the document for it to be valid.
If the other driver refuses to sign, note their license plate number and gather as much information as possible.
2. Collect Additional Evidence
To support your claim, gather the following:
✔ Photos of the accident scene (vehicle damage, road conditions, signs, etc.)
✔ Witness statements (with names and contact details)
✔ Details of any third-party involvement (e.g., pedestrians or other drivers)
3. Notify the Police If Necessary
While minor accidents don’t always require police involvement, you should contact the police (Gendarmerie or Police Nationale) if someone is injured, the accident involves more than two vehicles, there is property damage (e.g., street signs, barriers), the other driver is uninsured or refuses to cooperate.
In serious cases, obtain a police report to strengthen your insurance claim.
4. Submit Your Claim Within Five Days
Once you have gathered all required information, submit your claim to your insurance company within five days via email, postal mail, or through their online portal.
Using the Auto E-Report App for Faster Claims
France offers a digital alternative to the paper Constat Amiable with the auto e-report app. This free mobile application simplifies claim submissions and has the same legal value as the paper form.
How Does It Work?
✔ Available on Google Play and Apple Store
✔ Used for accidents involving up to two vehicles with no injuries
✔ Allows quick entry of accident details via smartphone or tablet
✔ Both drivers can sign electronically and send the report directly to their insurers
Once the report is submitted, both parties receive a confirmation SMS and a PDF version of the signed statement.
If the other driver refuses to complete the digital report, note their vehicle registration number and indicate their refusal in the comments section.
Filing a Claim for Vehicle Theft
If your car is stolen in France, immediate action is required:
✔ Report the theft to the police within 24 hours and obtain a police report (procès-verbal de plainte).
✔ Submit your insurance claim within two days (if you have theft coverage).
✔ Your insurer will wait 30 days before processing the claim in case the car is recovered.
If the vehicle is not found after 30 days, the insurance company will compensate you based on your policy’s terms.
What Happens After Filing a Claim?
Once your insurance company receives your claim, they will:
1️⃣ Review the accident details and determine liability
2️⃣ Assess repair costs based on damage severity
3️⃣ Compensate you according to your insurance policy.
Liability & Compensation
If you’re at fault, your insurer will cover third-party damages (if you have only third-party insurance, your car repairs won’t be covered).
If the other driver is at fault, their insurer will cover your damages.
If liability is unclear, insurers may negotiate or involve legal mediation.
Additional Considerations When Making a Claim
Breakdown Assistance: If your policy includes roadside assistance, you may be entitled to vehicle towing, a temporary replacement car and hotel accommodation if stranded.
Legal Disputes: If you disagree with your insurer’s decision, you can request mediation via France’s Insurance Mediation Service (Médiation de l’Assurance) or seek legal action if necessary, though this should be a last resort.
What If the Other Driver is Uninsured: If an uninsured driver causes an accident, your insurer may still compensate you, but the process can take longer. You can also file a claim with the French Guarantee Fund (FGAO), which handles uninsured motorist cases.
To Wrap it All Up
Making a car insurance claim in France requires quick action, accurate documentation, and understanding your policy’s coverage. Whether it’s a minor accident or vehicle theft, following the correct steps ensures a smoother claims process and a better chance of receiving compensation.
Need help finding the right car insurance? At Fab French Insurance, we do the hard work for you, comparing rates from the biggest providers so you can get the best vehicle coverage at the most competitive premium. Whether you need comprehensive protection or basic coverage, we ensure you have the right policy for your needs. Compare insurance policies today!
