Maître Jean-Paul FOURMONT

Avocat au barreau de Coutances

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du travail, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 27/08/2025

En matière d'assurance automobile ,l'assureur n'est pas tenu de proposer une indemnisation, s'il dénie sa garantie

Article juridique - Droit de la famille, des personnes et de leur patrimoine

Par Me Jean-Paul FOURMONT

En matière d'assurance automobile ,l'assureur n'est pas tenu de proposer une indemnisation, s'il dénie sa garantie

La Cour de Cassation dans un arrêt du 28 mai 2025 a jugé que l'assureur n'est pas tenu de proposer une indemnisation tant qu'il dénie sa garantie, même après qu'un expert a déclaré le véhicule économiquement non réparable .

Ce n'est qu' après avoir été déclaré responsable que l'assureur doit faire une offre.

Ainsi la cour a accepté la demande de remboursement des frais de gardiennage ,considérant que l'assureur ,n'ayant pas proposé d'offre de cessions après avoir été déclaré tenu à garantie ,engage sa responsabilité sur le fondement de l'art 1147 du code civil

Pour plus d'information, il est possible de contacter Maître Fourmont Avocat Avranches tel 02 33 58 95 48