Maître Adrien FAVRE D'ECHALLENS

Avocat au barreau de Nantes

Compétences : Droit du dommage corporel, Droit routier et de la circulation routière, Droit pénal

Barreau : Nantes

Adresse : 4 rue Anizon 44000 NANTES

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Publié le 26/10/2026

Expertise médicale de l'assurance après un accident : faut-il y aller seul ?

Article juridique - Droit du dommage corporel

Par Me Adrien FAVRE D'ECHALLENS

Expertise médicale de l'assurance après un accident : faut-il y aller seul ?

La convocation arrive : un examen, chez un médecin choisi par l'assureur. Beaucoup de victimes y vont seules, comme à un rendez-vous de plus.

Ce n'est pas une formalité. Le rapport de ce médecin sert de base à l'offre. Ce qui n'y figure pas a peu de chances d'être indemnisé.

Si vous y allez seul. L'avis de ce médecin est alors le seul du dossier, et personne ne discute ses conclusions au moment où elles se forment. Et le jour de l'examen, fatigué ou intimidé, on oublie une douleur, on minimise une gêne.

Vous pouvez être assisté. La loi vous permet d'être assisté par un médecin de votre choix ; la convocation, envoyée au moins quinze jours avant, doit vous le dire. Le plus utile est un médecin-conseil de victimes.

L'examen se prépare. Il faut réunir le dossier médical complet, noter à l'avance les difficultés du quotidien et les conséquences sur le travail, et savoir comment l'examen va se dérouler.

Après l'examen. Le rapport doit vous être adressé dans les vingt jours. Une conclusion erronée se conteste : complément d'expertise ou, à défaut, expertise judiciaire.

Je demande dès le départ une expertise contradictoire, je choisis avec vous le médecin-conseil adapté à vos blessures, et je vous reçois avant l'examen pour le simuler et mettre vos doléances par écrit.

L'article complet sur mon site : https://www.afe-avocat.fr/blog/expertise-medicale-assurance-faut-il-y-aller-seul