Maître Elodie DHENRY

Avocat au barreau de Paris

Compétences : Droit du dommage corporel, Réparation du préjudice corporel, Droit des assurances, Droit de la santé, Droit de la famille, des personnes et de leur patrimoine, Procédure civile

Barreau : Paris

Adresse : 76 AVENUE DES CHAMPS ELYSEES 75008 PARIS

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Publié le 12/04/2024

Refus d’indemnisation et déchéance

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Qu'est ce que la déchéance ? Est ce que l'assureur peut refuser de m'indemniser en invoquant une déchéance ?

La déchéance est contractuellement prévue dans les contrats d’assurance comme une sanction prévue en cas de déclaration tardive du sinistre ou de déclaration inexacte du sinistre.

Le contrat demeure valable mais l’assuré se voit priver de son droit à garantie pour le sinistre concerné.

Toutefois, l’assureur doit respecter plusieurs conditions pour opposer une clause de déchéance, et dès lors qu’il prétend qu’une déclaration de l’assuré portant sur les causes, circonstances ou conséquences du sinistre serait inexacte, il lui appartient d'établir :

« (...) retient que M. X..., qui disposait d'une facture d'entretien de son véhicule du 26 juin 2012 mentionnant un kilométrage de 87 325 kilomètres à cette date quand il a déclaré le 16 juillet 2012 que le véhicule avait un kilométrage d'environ 80 000 kilomètres, a par conséquent fait une fausse déclaration susceptible d'avoir une incidence sur les conséquences du sinistre ;

Qu'en statuant ainsi, alors que l'assureur doit établir la mauvaise foi de l'assuré pour prétendre à l'application d'une clause prévoyant la déchéance de garantie en cas de fausse déclaration relative au sinistre, la cour d'appel a violé le texte susvisé ; »

En cas de besoins, le Cabinet se tient à votre disposition pour vous conseiller et vous assister.