Maître Vianney LEY

Avocat au barreau de Rennes

Compétences : Baux d'habitation, Construction, Réparation du préjudice corporel, Responsabilité civile, Mesures d'exécution forcée, Mesures conservatoires, Droit pénal général, Droit du crédit et de la consommation, Procédure civile, Procédure d'appel

Barreau : Rennes

Adresse : 12-14 Rue Claude Bernard 35000 RENNES

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Publié le 18/07/2018

Déchéance de garantie par l'assurance, entre mauvaise foi et information erronée

Article juridique - Droit des assurances

Par Me Vianney LEY

Déchéance de garantie par l'assurance, entre mauvaise foi et information erronée

Dans deux arrêts de cassation prononcés le 5 juillet 2018 (n°17-20491 et 17-20488) la 2ème Chambre civile de la Cour de cassation a été invitée à se prononcer sur la question de savoir si un assureur n'avait qu'à se prévaloir de l'inexactitude des déclarations de son assuré pour lui refuser purement et simplement sa garantie.

La clause litigieuse indiquait en susbstance que "toute fausse déclaration sur la nature, les causes, les circonstances et les conséquences du sinistre, ou toute utilisation de moyens frauduleux, prive l'assuré de tout droit à garantie et l'expose à des poursuites pénales".

Répondant par la négative, les juges du droit considèrent que "l'assureur doit [également] établir la mauvaise foi de l'assuré pour prétendre à l'application d'une clause prévoyant la déchéance de garantie en cas de fausse déclaration relative au sinistre".

(Sources : https://www.legifrance.gouv.fr/affichJuriJudi.do?idTexte=JURITEXT000037196724&fastReqId=702997797&fastPos=4&oldAction=rechJuriJudi et https://www.legifrance.gouv.fr/affichJuriJudi.do?idTexte=JURITEXT000037196723&fastReqId=79623642&fastPos=11&oldAction=rechJuriJudi)

N’hésitez pas à me contacter si vous avez des questions, des remarques ou des suggestions. Je me tiens à votre disposition !

Vous pouvez retrouver d'autres sur le site internet du cabinet Vianney LEY, Avocat au barreau de RENNES.