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, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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Assurance automobile: vol

Article juridique

Par Me Raymond AUTEVILLE

Les assureurs abusent parfois de l'obligation qui pèse sur l'assuré d'apporter la preuve de la matérialité du sinistre, dans l'hypothèse visée par la garantie.

Dans l'espèce commentée, un assuré a été victime du vol de son véhicule. Il a d'ailleurs enregistré une plainte pour vol, et déclaré le sinistre auprès de son assureur.

Le véhicule a été retrouvé par les forces de l'ordre, portant les traces de tentatives de destruction.

L'assureur a refusé la garantie au motif que l'expert qui a examiné le véhicule n'a pas relevé de traces d'effraction.

La Cour d'Appel de Paris a sanctionné l'attitude de l'assureur, en précisant que la preuve du sinistre peut être apportée par tous moyens, notamment par indices ou présomption; qu'en l'espèce les plaintes pour vol, et le fait que le véhicule ait été retrouvé avec des traces de tentatives de destruction, doivent faire présumer de la bonne foi de l'assuré, et constituent des indices et présomptions de vol.

(CA Paris 6 mars 2012, n°10/01391)