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INSURANCE NEWS

VOL DE VOITURE SANS EFFRACTION. COMMENT OBTENIR L’INDEMNITÉ D'ASSURANCE EN ABSENCE DE TOUTE TRACE D'EFFRACTION?
25 March 2021 CAR THEFT WITHOUT BREAKING AND ENTERING. HOW TO OBTAIN THE INSURANCE INDEMNITY IN THE ABSENCE OF ANY TRACE OF BREAK-INS? CAR THEFT WITHOUT BREAKING AND ENTERING. HOW TO OBTAIN THE INSURANCE INDEMNITY IN THE ABSENCE OF ANY TRACE OF BREAK-INS ...
RÈGLEMENT TARDIF DE L’INDEMNITÉ D'ASSURANCE
25 March 2021 LATE PAYMENT OF INSURANCE ALLOWANCE You have been contributing to your insurance policy for years by paying monthly insurance premiums to your insurer. The loss ...
PREUVE DU SINISTRE RÉSULTANT D'UNE EXPERTISE JUDICIAIRE : A QUEL PRIX ?
25 March 2021 PROOF OF THE CLAIM RESULTING FROM A JUDICIAL EXPERTISE : AT WHAT COST ? Particularly expensive building expertise. One in two civil expertise has a cost of less than 1, 500 euros. The average ...
PREUVE DU CONTENU DU CONTRAT D'ASSURANCE PAR L'ASSURE
25 March 2021 PROOF OF THE CONTENT OF THE INSURANCE CONTRACT BY THE INSURED It is up to the insurer to prove the exclusion clause that it opposes to its insured. On the other ...
PREUVE DU CONTRAT D'ASSURANCE PAR LE TIERS VICTIME
25 March 2021 PROOF OF INSURANCE CONTRACT BY THIRD PARTY VICTIM The victim exercising the direct action against the insurer is not exempt from the obligation to establish the existence of ...
REFUS DE GARANTIE POUR CAUSE D'UNE CONDITION NON RESPECTÉE PAR L'ASSURE
25 March 2021 THE ADAPTE ADVISORY OBLIGATION PLAYS WITH GREATER INTENSITY IN THE PRESENCE OF A COMPLEX INSURANCE OPERATION Court of Cassation, 4 June 2014 Appeal no: 13-12770 The operation consisting of the successive subscription of several optional supplementary ...
OBLIGATION DE MISE EN GARDE : L'AGENT D'ASSURANCE DOIT INFORMER L'ASSURE DU CHANGEMENT DU CONTENU DE LA GARANTIE
25 March 2021 WARNING OBLIGATION: THE INSURANCE AGENT MUST INFORM THE INSURED OF THE CHANGE IN THE CONTENT OF THE GUARANTEE The insurer must draw the attention of the insured to the possible reduction of the guarantee. This is the meaning ...
CONTRAT D'ASSURANCE - PREUVE DE SON EXISTENCE
25 March 2021 THE BROKER MORE EASILY SATISFIES HIS DUTY OF ADEQUATE ADVICE IN FRONT OF THE INFORMED INSURED It is settled case law that if the insurer is obliged to provide information on the characteristics of the proposed ...
ANNEXES DU CONTRAT D'ASSURANCE - QUESTION D'OPPOSABILITE A L'ASSURE
25 March 2021 ANNEXES TO THE INSURANCE CONTRACT-QUESTION OF EFFECTIVENESS AGAINST THE INSURED The question that often arises is : is a schedule not signed by the insured enforceable against the insured? Such ...
REFUS D'ASSURANCE AUX MOTIFS QUE L'ASSURE N'A PAS RESPECTE UNE CONDITION DE GARANTIE
25 March 2021 CONDITIONS OF VALIDITY OF THE REVOCATION CLAUSE The applicability of this clause is not automatic, which means that the refusal by the insurer can be challenged if ...
IMPROPER REFUSAL OF PAYMENT OF INSURANCE COMPENSATION
25 March 2021 LAPSE OF GUARANTEE: BASIS FOR REFUSAL OF COMPENSATION This is another way the insurer has to deny you compensation. It is an exception enforceable by the insurer that ...
EXCLUSIONS DE GARANTIE PEUVENT ETRE SOULEVÉES POUR LA PREMIÈRE FOIS EN CAUSE D'APPEL
25 March 2021 WARRANTY EXCLUSIONS MAY BE RAISED FOR THE FIRST TIME IN APPEAL Exclusions of guarantee are defences that the insurer can assert for the first time in an appeal and even when ...
L’ÉVÉNEMENT EXCLU DE LA GARANTIE D'ASSURANCE DOIT ETRE A L'ORIGINE DU SINISTRE
25 March 2021 THE EVENT EXCLUDED FROM THE INSURANCE GUARANTEE MUST BE AT THE ORIGIN OF THE CLAIM It is the causal link between the exclusion case as set out in the insurance contract and the event that ...
LES CLAUSES D'EXCLUSION DOIVENT ETRE PROUVEES PAR L'ASSUREUR ET NON PAS PAR L'ASSURE
25 March 2021 EXCLUSION CLAUSES MUST BE PROVEN BY THE INSURER AND NOT BY THE INSURER Court of Cassation, 23 October 2019, Appeal number: 18-14140 The Court of Cassation recalls that the exclusion clauses must be ...
EFFETS JURIDIQUES DE LA MENTION "ACCEPTE ET PRIS CONNAISSANCE" FIGURANT SUR LA DERNIÈRE PAGE DU CONTRAT D'ASSURANCE
25 March 2021 LEGAL EFFECTS OF THE STATEMENT “ACCEPT AND READ” ON THE LAST PAGE OF THE INSURANCE CONTRACT The signature of the specific conditions alone may mean, under certain conditions, the overall acceptance by the insured of the ...
AVENANT AU CONTRAT D'ASSURANCE DOIT ETRE ACCEPTE PAR L'ASSURE
25 March 2021 ADDENDUM TO THE INSURANCE CONTRACT MUST BE ACCEPTED BY THE INSURED Proof of acceptance is the responsibility of the insurer. (Cass., 2nd ch. civil, 21 April 2005, n ° 653 FS-P ...
FAUSSE DECLARATION NON INTENTIONNELLE
25 March 2021 SILENCE OF THE INSURED DOES NOT CONSTITUTE ACCEPTANCE OF THE EXCLUSION CLAUSE Knowledge of an exclusion or guarantee clause is not presumed and must be proven by the insurer. Thus, he was ...
Anastasiya Etman
25 March 2021 AN EXCLUSION CLAUSE MUST BE KNOWN TO THE INSURED AND ACCEPTED BY THE LATTER AT THE LATEST AT THE TIME OF SIGNING THE INSURANCE CONTRACT The Court of Cassation therefore considers that whatever the nature of the disputed clause that delimits the insurer’s risk (exclusion, ...
LA CLAUSE D'EXCLUSION NE DOIT PAS VIDER LA GARANTIE DE TOUTE LA SUBSTANCE
25 March 2021 THE EXCLUSION CLAUSE MUST NOT EMPTY THE GUARANTEE OF ALL THE SUBSTANCE Court of Cassation, Civil Chamber 3, 24 March 2015, 13-25. 737 : “The clause excluding” damage resulting from the conscious, ...
L'ASSURE DOIT POUVOIR COMPRENDRE DE LA PREMIÈRE LECTURE DANS QUELS CAS IL NE SERA PAS ASSURE
25 March 2021 THE INSURED MUST BE ABLE TO UNDERSTAND FROM THE FIRST READING IN WHICH CASES IT WILL NOT BE INSURED For example, the insurance contract does not contain a definition of the term “computer configuration” or provides that the service ...
UNE CLAUSE D'EXCLUSION DOIT ETRE FORMELLE ET LIMITÉE
25 March 2021 AN EXCLUSION CLAUSE MUST BE FORMAL AND LIMITED Article L. 113-1 of the Insurance Code which states that : “Losses and damages caused by fortuitous events or caused ...
EXCLUSIONS DE GARANTIE : CAUSE DU REFUS DE L'ASSUREUR DE VOTRE DROIT A L’INDEMNITÉ D'ASSURANCE
25 March 2021 WARRANTY EXCLUSIONS: CAUSE OF THE INSURER’S REFUSAL OF YOUR RIGHT TO INSURANCE COMPENSATION Does the insurer refuse you the payment of the insurance indemnity on the grounds that the risk is excluded ? ...
REFUS D'ASSURANCE EN RAISON D'UNE EXCLUSION DE GARANTIE
25 March 2021 REFUSAL OF INSURANCE DUE TO EXCLUSION OF COVERAGE PAGE BEING WRITTEN ...
REFUS D'ASSURANCE AUX MOTIFS QUE L'ASSURE N'A PAS RESPECTE UNE CONDITION DE GARANTIE
25 March 2021 REFUSAL OF INSURANCE ON THE GROUNDS THAT THE INSURED DOES NOT COMPLY WITH A CONDITION OF GUARANTEE Legally speaking, it is a question of the effectiveness against the insured of a guarantee condition charged to the insured ...
REFUS DE GARANTIE POUR CAUSE D'UNE CONDITION NON RESPECTÉE PAR L'ASSURE
25 March 2021 REFUSAL OF WARRANTY BECAUSE OF A CONDITION NOT RESPECTED BY THE INSURED Your insurer refuses compensation on the grounds that there is a condition of coverage that you have not met? A ...
FAUTE INTENTIONNELLE - UNE FAUTE VOLONTAIRE PRIVANT LE CONTRAT D'ASSURANCE DE SON CARACTÈRE ALÉATOIRE ?
25 March 2021 INTENTIONAL MISCONDUCT-WILLFUL MISCONDUCT DEPRIVING THE INSURANCE CONTRACT OF ITS RANDOMNESS? At the beginning of the 2010s, an innovative jurisprudence developed within the Court of Cassation which considered that intentional misconduct ...
FAUTE INTENTIONNELLE - CAUSE DU REFUS DE L'ASSUREUR
25 March 2021 INTENTIONAL MISCONDUCT – CAUSE OF INSURER’S REFUSAL Article L. 131-1 paragraph 2 of the Insurance Code states : “the insurer is not liable for losses and damages ...
DECLARATION TARDIVE DU SINISTRE : QUELLE SANCTION?
25 March 2021 LATE DECLARATION OF THE CLAIM : WHAT PENALTY? Court of Cassation, Civ. II, 4 July 2019, n°18-18444 On July 4, the 2nd Civil Chamber of the Court of ...
DÉCLARATION TARDIVE DU SINISTRE - CAUSE DU REFUS D'INDEMNISATION
25 March 2021 LATE CLAIM DECLARATION – CAUSE OF REFUSAL OF COMPENSATION The risk provided for by the insurance contract has come true. This is the circumstance that triggers the application of ...
PREUVE D'ACHAT
25 March 2021 PROOF OF PURCHASE REFUSAL OF COMPENSATION IN CASE OF THEFT OF THE VEHICLE PURCHASED IN CASH At the time of the conclusion of ...