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 14/12/2024

Prescription biennale

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Quel est le délai de prescription du contrat d'assurance ?

En droit des assurances, le délai de la prescription biennale est (trop) court, deux ans, à compter de l'événement qui y donne naissance et concerne toutes actions dérivant d'un contrat d'assurance.

Est-il possible de contester la prescription biennale ?

Il existe plusieurs causes d’interruption et de suspension.

En outre, le délai de prescription est porté à dix ans dans les contrats d'assurance sur la vie lorsque le bénéficiaire est une personne distincte du souscripteur ainsi que dans les contrats d'assurance contre les accidents atteignant les personnes, lorsque les bénéficiaires sont les ayants droit de l'assuré décédé.

Un refus de prise en charge au motif que la prescription serait acquise n’est donc pas toujours définitif.

Une analyse juridique peut permettre de faire valoir vos droits. Si vous êtes dans cette situation, un avocat peut :

Vérifier le délai de prescription applicable,
Analyser le contrat et vérifier si l’assurance doit prendre en charge le sinistre dans votre cas,
Contester la décision de refus pour cause de prescription.

Chaque situation est différente et contester l'acquisition de la prescription biennale est technique, contactez le cabinet de Maître DHENRY, Avocat en droit des assurances, pour un accompagnement personnalisé :

Contactez Maître DHENRY au 09.81.69.87.22
Nous intervenons partout en France, en présentiel ou à distance.
Entretien téléphonique ou rendez-vous en cabinet ou en visio.
Consultation confidentielle
➡️ Pour prendre rendez-vous avec Maître DHENRY, Avocate en droit des assurances

Vous pourriez également être intéressé par notre article Refus d’assurance et conditions générales

Publié par Maître DHENRY

Tel : 09.81.69.87.22 | Fax : 09.72.65.14.07

elodie.dhenry@avocat.fr