Maître Christian COFFI

Avocat au barreau de Paris

Compétences : Droit des assurances, Réparation du préjudice corporel, Droit pénal

Barreau : Paris

Adresse : 49 RUE DE CHATEAUDUN 75009 PARIS

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Publié le 21/02/2024

Du nouveau pour les victimes d’accident de la circulation

Article juridique - Droit des assurances

Par Me Christian COFFI

Du nouveau pour les victimes d’accident de la circulation

Le décret n° 2023-1225 du 21 décembre 2023 publié au JO du 22 décembre 2023 transposant la directive (UE) 2021/2118 du 21 novembre 2021, intègre au Code des assurances, plusieurs dispositions relatives à l’indemnisation consécutive à un accident de la circulation.

Désormais, et aux termes de l’article R 211-13, 2° du Code des assurances, plus aucune déchéance n’est pas opposable aux victimes ou à leurs ayants droit, les mots : « à l'exception de la suspension régulière de la garantie pour non-paiement de prime » étant supprimés du texte.

Les assureurs ne peuvent donc plus se fonder sur « la suspension régulière de la garantie pour non-paiement de prime » pour refuser d’indemniser les victimes d’accident de la circulation.

Le même texte modifié maintient l’obligation faite à l'assureur de procéder au paiement de l'indemnité pour le compte du responsable avec faculté d’exercer contre ce dernier une action en remboursement pour toutes les sommes qu'il a ainsi payées ou mises en réserve à sa place.

Maître Christian COFFI est avocat au Barreau de Paris. Il intervient en droit des assurances et de la responsabilité et en droit des contrats.

Il est diplômé de l’Institut des assurances (Aix-Marseille)