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    Who pays if an uninsured or unknown car hits you in Finland?

    The safety net of Finnish motor insurance.

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    Short answer

    Verkkouutiset reported that when an uninsured vehicle crashes, LVK compensates the personal injuries and property damage of the other parties. It also covers vehicles exempt from insurance, unknown vehicles and vehicles in transit. In 2022 LVK received 2,055 compensable claims in total, and Verkkouutiset reported 622 claims caused by uninsured vehicles. LVK lists personal injuries caused by unknown vehicles among the claims it handles.

    Transport, roads, car rental

    Why

    1. Verkkouutiset describes LVK's role as the safety net.
    2. Verkkouutiset gives 2,055 compensable claims to LVK in 2022.
    3. LVK lists uninsured vehicles and unknown vehicles among its cases.

    Details

    Minilex notes that LVK does not compensate an owner who failed to insure the vehicle, or a driver who knew it was uninsured.

    Tip

    Report a hit-and-run to the police and note the time, place and any witnesses.

    What may differ

    LVK is also the information centre that helps you find a foreign insurer after an accident abroad.

    Common misconception

    If the other car has no insurance, nobody pays you.

    What actually happens

    LVK pays the statutory compensation in such cases.

    People also ask

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    Sources

    This answer is for reference only. Traffic rules and fees change, so check Traficom, Liikenneturva or the police before you drive.

    Transport, roads, car rental

    • Do foreign cars need a country sticker in Finland?

      The Automobile and Touring Club of Finland says a nationality sign is required on foreign cars in Finland, unless the vehicle is registered in a country that is party to the Geneva or Vienna Road Traffic Convention and carries EU number plates with the country code.

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    • What colour are motorway and main road signs in Finland?

      The Automobile and Touring Club of Finland (Autoliitto) says main roads in Finland have blue direction signs with white text, while motorways have green signs with white text.

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    • Does E10 petrol increase fuel consumption?

      VTT Technical Research Centre of Finland tested six used E10-compatible cars from model years 1999–2010 in laboratory conditions in 2011.

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    • Which petrol should you use in Finland, 95E10 or 98E5?

      Finnish pumps sell two main petrol grades: 95E10, with an octane rating of at least 95 and up to 10% ethanol, and 98E5, with at least 98 octane and up to 5% ethanol.

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