Maître Julien DUMAS LAIROLLE

Avocat au barreau de Nimes

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit des garanties, des sûretés et des mesures d'exécution, Procédure civile, Droit pénal

Barreau : Nimes

Adresse : 54 rue de la République 30000 NIMES

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Publié le 30/03/2020

Les assureurs doivent prouver avoir payé pour être subrogés.

Article juridique - Droit immobilier

Par Me Julien DUMAS LAIROLLE

Les assureurs doivent prouver avoir payé pour être subrogés.

Lorsqu'un assureur indemnise, il peut se retourner contre le tiers responsable : c'est la subrogation.

Ce principe fixé par l'article L.121-12 du Code des Assurances est bien connu des praticiens, mais il ne faut pas oublier l'essentiel, que les assureurs négligent souvent : la validité de leur recours ne tient qu'à la preuve du paiement, et se limite au montant payé.

Il est fréquent que devant les diverses juridictions l'assureur se limite à produire la "quittance subrogative", document par lequel la victime reconnaît avoir reçu l'indemnité : mais est-ce suffisant ?

Reprenant de manière très claire une jurisprudence établie, la Cour d'Appel de Versailles vient rappeler dans un arrêt du 19 mars 2020 la nécessité pour l'assureur de prouver son paiement, à défaut il ne sera pas subrogé.