“The phenomenon of circulating vehicles without CAR CAR CAR in Italy, but also in Umbria, is becoming extremely worrying, with a significant impact on road safety and resources of the guarantee fund for the victims of the road”. The alarm is launched by the National Union of Insurance Agents (SNA) which, in relation to Umbria, underlines how “the percentage of non -insured vehicles registers an increase of +11.8 percent: 34 thousand vehicles without insurance were in 2022, while the estimate for 2024 rises to 38 thousand”.
In the province of Perugia alone, the estimate of the uninsured reached 30 thousand vehicles (+15.4%) and of the 656 thousand vehicles in circulation 4.5%is without regular Auto RC guarantee, a lower percentage of the national average (6.1%), but still significant. In 2024, around 2.915 million uninsured vehicles are estimated in Italy, with an increase of 12.8 percent in just two years compared to 2.585 million in 2022.
“These numbers make the question no longer procrastinable of decisive interventions – explains Gianluca Costantini, regional coordinator in Umbria of Sna, an association that has conducted various research on the topic -. In the region 4.4% of vehicles are without insurance, lower percentage than the average, but which marks the growth of uninsured and represents a socially unacceptable situation”. “These numbers are no longer acceptable for the community – added Fabrizio Rasimelli, president of the SNA provincial section of Perugia -. It is useless to make the highway code increasingly severe if there is then over 34 thousand vehicles to circulate without insurance coverage. It would be enough to implement a simple cross of the databases already existing to effectively contrast this malpractice that represents a real danger for all motorists”.
The cost of this phenomenon “falls heavily on the warranty fund for the victims of the road, managed by Consap – explain by SNA -, which indemnifies the victims of claims with unidentified or not insured vehicles. The resources of the fund come from a percentage on the Auto RC prizes (2.5%) paid by the companies that indirectly weigh on all honest insured insured”.
In addition to the direct impact on the Fund, non -insured vehicles “represent a significant economic loss for the entire system” underlines Paolo Bullegas, national manager of the RC Auto Sna Study Commission, which estimates that the 2.915 million motorists who escape insurance obligation cost the system over 5 billion euros. The damage also extends to the state coffers. “Between tax charges and parafiscals – adds Bullegas -, the state could collect over 1.3 billion euros. These resources would improve public budgets and could be reinvested for the collective benefit, for example, enhancing road safety or emergency room”. Insurance agents have long denounced this problem and consider “imperative” to identify effective solutions. Among these Bullegas proposes an agreement for the intersection of the vehicles of the vehicles insured with that of the registered vehicles to identify uninsured vehicles; targeted campaigns to increase awareness of the risks and consequences of circulation without insurance; the introduction of concessions or incentives for the most fragile population bands economically; A review of the legislation to introduce a maximum risk price limit. In fact, SNA has detected “unsustainable rates, even over 10 thousand euros per year, for the entrance class (Bonus Malus 14), assuming a potential elusion of the obligation to contract in some areas of the country”.
