Maître Elodie DHENRY

Avocat au barreau de Paris

Compétences : Droit du dommage corporel, Droit de la santé, Droit des assurances, 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 14/12/2024

Contrat GAV pour Garantie accidents de la vie et refus d'indemnisation

Article juridique - Droit du dommage corporel

Par Me Elodie DHENRY

Contrat GAV pour Garantie accidents de la vie et refus d'indemnisation

Les contrats GAV pour garantie accidents de la vie, vous couvrent vous et/ou vos proches en cas d’accident.

Ce contrat est en principe utile dans la mesure où il prévoit généralement une indemnisation forfaitaire ou indemnitaire rapide et peut souvent être mis en œuvre quand l’assurance RC ne peut pas jouer.

Toutefois, en pratique, les assurés se voient souvent opposer des refus d’indemnisation du fait de la notion d’accident qui varie selon les conditions générales d’un contrat à l’autre en étant ambiguë ou trop restrictive.

En outre, il n’est pas rare que les bénéficiaires ignorent que leur conjoint ou parent décédé avait souscrit un tel contrat.

Enfin, quand la notion d’accident est retenue au sens du contrat, il peut encore arriver que l’assureur refuse tout complément d'indemnisation en prétendant que les remboursements et versements effectués à sa place ou dus par des tiers payeurs ou tout autre organisme ne se cumulent pas avec son indemnisation.

Le Cabinet se tient à votre disposition pour vous conseiller et vous assister.

Publié par Maître DHENRY

Tel : 09.81.69.87.22 | Fax : 09.72.65.14.07

elodie.dhenry@avocat.fr