What happens if an uninsured driver hits you

The Auxiliary Fund compensates the victims of uninsured vehicles in Greece, up to the legal minimum limits. What to do at the scene, and which covers spare you the wait.

Author

Editorial Desk

Published

9 September 2026

Updated

13 October 2026

Reading time

3 minutes

At a glance

What happens if an uninsured driver hits you in Greece?

If an uninsured driver hits you in Greece and is at fault, the Auxiliary Fund (Επικουρικό Κεφάλαιο) pays instead of an insurer, up to the legal minimum limits. Call the police to the scene. If you have own damage cover, your own insurer pays under your policy, and you do not wait for the Fund.

If an uninsured driver hits you and is at fault, the Auxiliary Fund (Επικουρικό Κεφάλαιο) pays, not an insurance company¹.
The Fund pays up to the minimum amounts that the law sets for compulsory motor cover. It does not pay above them¹.
You do not have to prove that the driver at fault cannot or will not pay. The Fund pays without that proof².
Without a police record from the scene, the case against the Fund becomes far harder. This is no moment for an amicable settlement.
Own damage cover pays you under your own policy, and you do not wait for the Fund.
Legal protection cost about 7 € a year on average in 2024, and it pays the lawyer who makes the claim³.

Uninsured vehicles are on Greek roads. If one of them hits you and the other driver is at fault, there is no insurance company to pay. There is the Auxiliary Fund (Επικουρικό Κεφάλαιο), a body that exists for exactly this case. A levy on motor liability premiums funds it. The insurers pay 70% of the levy and the policyholders pay 30%².

At the scene

Call the police. Without an official record, the case against the Fund becomes far harder. This is not the moment for an amicable settlement.
Photographs. The positions of the vehicles before they are moved, the number plate, the damage on both sides, a wider shot of the scene.
The details of the driver and of the witnesses. Full name, ID number, phone. An uninsured driver usually wants to leave quickly.
Sign nothing that describes the accident differently from what happened.

How it differs from a normal claim

The limits are the legal minimum. Article 19 of Presidential Decree 237/1986 says that the compensation of the Fund «δεν μπορεί να υπερβεί» the minimum insured amounts of compulsory cover¹. A normal policy can have higher limits.
An unknown vehicle is a harder case. If the driver at fault is never found, the Fund pays for damage to property only when the same accident also caused a death, or an injury with at least five days in hospital. The police must also have dealt with the case⁴².
It takes paperwork. The Fund checks the file and the documents for each amount. Plan for a slower process than a claim against an insurer.
You may need a lawyer. This is where legal protection proves its worth. It is cheap, and this is exactly the case it exists for.

How to protect yourself in advance

Two covers, both optional:

Legal protection: it pays the lawyer who will make the claim. Across the market, the average premium was about 7 € a year in 2024³.
Own damage (comprehensive): your own company pays the damage under your policy, minus your excess. You do not wait for the Fund to decide. For many people, this is the most practical advantage of comprehensive cover.

See the market average for these covers in your own case

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