Maître Raymond AUTEVILLE

Avocat au barreau de La Martinique

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit des assurances, Baux commerciaux et professionnels, Droit de la famille, des personnes et de leur patrimoine, Droit du dommage corporel, Droit de la santé, Droit commercial, des affaires et de la concurrence, Droit du crédit et de la consommation, Mesures conservatoires, Droit du travail et social, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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Assurance: paiement de primes par chèque .

Article juridique

Par Me Raymond AUTEVILLE

Un assureur avait adressé une mise en demeure pour défaut de paiement de primes à un assuré qui avait souscrit une police décès invalidité.

L'assuré étant gravement malade, l'épouse adresse par la poste un chèque représentant le montant réclamé.Le chèque est daté du 20 novembre 2004, l'assuré décède quelques jours plus tard. L'assureur refuse de payer le capital à l'épouse en la soupçonnant d'avoir antidaté le chèque.

Par arrêt en date du 22 janvier 2009, la Cour de Cassation approuve les juges du fond, d'avoir rappelé à l'assureur, que lorsque le chèque est envoyé par voie postale ordinaire, la date de la remise est présumée celle figurant sur le chèque. Il appartient à l'assureur qui a encaissé le chèque de prouver que ce chèque à été remis ou adressé à une date ultérieure. (2e Civ 22 janv 2009-n°08-12682)