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 et social, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 10/01/2022

La technique contractuelle en assurance interdite par la cour de cassation

Article juridique - Droit des assurances

Par Me Jean-Paul FOURMONT

La technique contractuelle en assurance interdite par la cour de cassation

La Cour de Cassation a rendu un arrêt le 10 novembre 2021 qui réitére la prohibition de la déclaration pré-imprimée .Elle rappelle que la déclaration du risque doit être personnellement établie par l'assuré.

En matière d'assurance ,selon l'art L113-2 du Code des assurances,l'assuré doit répondre exactement aux questions posées par l'assureur. Pour contourner cela ,certain assureurs se fondent sur la déclaration pré-imprimée ,en répondant à la place de l'assuré.

La Cour de Cassation a rendu un arrêt le 7 février 2014 qui condamne ce mécanisme.L'arrêt du 10 novembre 2021 va dans le même sens.On peut citer également l'arrêt du 4 octobre 2018. Régulièrement la Cour de Cassation rappelle que l'assuré doit personnellement répondre au questionnaire.La déclaration pré-imprimé n'a pas d'existence juridique.

L'assureur ne peut se prévaloir de la réticence ou de la fausse déclaration intentionnelle de l'assuré que si celles-ci procèdent des réponses qu'il a apportées auxdites questions.

L'assuré doit se voir poser des questions précises.