{"id":3823,"date":"2016-08-23T17:13:02","date_gmt":"2016-08-23T15:13:02","guid":{"rendered":"https:\/\/guillermou-avocats.fr\/portfolio-items\/point-de-depart-de-la-penalite-pour-offre-tardive-dindemnisation-par-le-fgao\/"},"modified":"2018-01-18T17:22:37","modified_gmt":"2018-01-18T16:22:37","slug":"id-105-point-de-depart-de-la-penalite-pour-offre-tardive-d-indemnisation-par-le-fgao","status":"publish","type":"post","link":"https:\/\/guillermou-avocats.fr\/fr\/actualites\/id-105-point-de-depart-de-la-penalite-pour-offre-tardive-d-indemnisation-par-le-fgao","title":{"rendered":"Point de d\u00e9part de la p\u00e9nalit\u00e9 pour offre tardive d’indemnisation par le FGAO"},"content":{"rendered":"
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Accident de la circulation<\/h2>\n

Aux termes de l\u2019article L211-13 du code des assurances<\/a>, le Fonds de garantie des assurances obligatoires (FGAO)<\/a>\u00a0est tenu de respecter certains d\u00e9lais pour proposer une offre d\u2019indemnisation, sous peine d\u2019\u00eatre condamn\u00e9 \u00e0 verser des p\u00e9nalit\u00e9s.<\/p>\n

Ces d\u00e9lais sont pr\u00e9cis\u00e9s \u00e0\u00a0l\u2019article L211-9 du code des assurances<\/a>\u00a0:<\/p>\n

\u00ab\u00a0Une offre d’indemnit\u00e9 doit \u00eatre faite \u00e0 la victime qui a subi une atteinte \u00e0 sa personne dans le d\u00e9lai maximum de huit mois \u00e0 compter de l’accident. (\u2026) Cette offre peut avoir un caract\u00e8re provisionnel lorsque l’assureur n’a pas, dans les trois mois de l’accident, \u00e9t\u00e9 inform\u00e9 de la consolidation de l’\u00e9tat de la victime. L’offre d\u00e9finitive d’indemnisation doit alors \u00eatre faite dans un d\u00e9lai de cinq mois suivant la date \u00e0 laquelle l’assureur a \u00e9t\u00e9 inform\u00e9 de cette consolidation.<\/em><\/p>\n

En tout \u00e9tat de cause, le d\u00e9lai le plus favorable \u00e0 la victime s’applique.\u00a0\u00bb<\/em><\/p>\n

Le 27 janvier 2009, un homme est victime d\u2019un accident de la circulation<\/a> et devient t\u00e9trapl\u00e9gique<\/a>. L\u2019auteur de l\u2019accident,\u00a0 est reconnu coupable de blessures involontaires et d\u00e9clar\u00e9 tenu \u00e0 la r\u00e9paration int\u00e9grale<\/a> du pr\u00e9judice de la victime.<\/p>\n

Selon l\u2019arr\u00eat de la Cour d\u2019appel de Montpellier du 15 mai 2014, le FGAO avait \u00e9t\u00e9 inform\u00e9 des \u00e9l\u00e9ments justifiant son intervention par courrier le 13 avril 2009 ainsi que de la consolidation<\/a> de la victime\u00a0 le 27 septembre 2010 (date de cl\u00f4ture du rapport d\u2019expertise contradictoire).\u00a0L\u2019offre aurait d\u00fb intervenir dans les 5 mois suivant soit\u00a0 le 28 f\u00e9vrier 2011 alors que l\u2019offre n\u2019a \u00e9t\u00e9 propos\u00e9e que le 15 f\u00e9vrier 2012\u00a0soit plus de 3 ans apr\u00e8s l\u2019accident et dix-sept mois apr\u00e8s la consolidation: elle condamne le FGAO \u00e0 la p\u00e9nalit\u00e9 pr\u00e9vue \u00e0 l\u2019article L211-13 du code des assurances,\u00a0\u00ab\u00a0le montant de l\u2019indemnit\u00e9 allou\u00e9 \u00e0 la victime\u00a0\u00bb produira \u00ab\u00a0int\u00e9r\u00eat de plein droit au double du taux de l\u2019int\u00e9r\u00eat l\u00e9gal \u00e0 compter de l\u2019expiration du d\u00e9lai et jusqu\u2019au jour de l\u2019offre ou du jugement devenu d\u00e9finitif\u00a0\u00bb.<\/p>\n

Int\u00e9r\u00eat au double du taux de l’int\u00e9r\u00eat l\u00e9gal<\/h3>\n

Par arr\u00eat du 3 mai 2016 n\u00b0 14-84.246 <\/a>de la Chambre criminelle, la Cour de cassation confirme la sanction mais revoit le point de d\u00e9part de celle-ci: le d\u00e9lai de 8 mois devait courir \u00e0 compter du 13 avril 2009, \u00ab\u00a0date de r\u00e9ception des \u00e9l\u00e9ments justifiant l\u2019intervention du fonds\u00a0<\/strong>\u00bb, la sanction devant donc s\u2019appliquer \u00e0 compter de la date limite d\u2019expiration du d\u00e9lai de 8 mois soit du\u00a014 d\u00e9cembre 2009.<\/p>\n

\u00a0\u00ab\u00a0Mais attendu qu\u2019en se pronon\u00e7ant ainsi, alors que le FGAO devait formuler une offre provisionnelle avant le 14 d\u00e9cembre 2009, soit avant l\u2019expiration du d\u00e9lai de huit mois, la cour d\u2019appel n\u2019a pas justifi\u00e9 sa d\u00e9cision ;\u00a0\u00bb<\/em><\/p>\n

\u00a0Cette d\u00e9cision est favorable \u00e0 la victime car la p\u00e9riode prise en compte pour calculer le doublement du taux d\u2019int\u00e9r\u00eat est plus longue.<\/p>\n

De plus, l\u2019assiette des p\u00e9nalit\u00e9s comprend les provisions d\u00e9j\u00e0 vers\u00e9es ainsi que les cr\u00e9ances des tierces personnes \u00ab\u00a0d\u00e8s lors que l\u2019article L211-22<\/a> du code des assurances ne fait aucune distinction entre le FGAO et le assureurs quant \u00e0 l\u2019assiette de la p\u00e9nalit\u00e9\u00a0\u00bb.<\/p>\n<\/div>

<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-3823","post","type-post","status-publish","format-standard","hentry","category-actualites"],"yoast_head":"\nPoint de d\u00e9part de la p\u00e9nalit\u00e9 pour offre tardive d'indemnisation par le FGAO - Avocat indemnisation de victimes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/proxima2023.okoumea.com\/fr\/actualites\/id-105-point-de-depart-de-la-penalite-pour-offre-tardive-d-indemnisation-par-le-fgao\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Point de d\u00e9part de la p\u00e9nalit\u00e9 pour offre tardive d'indemnisation par le FGAO - 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