{"id":6569,"date":"2019-10-04T13:58:36","date_gmt":"2019-10-04T11:58:36","guid":{"rendered":"https:\/\/guillermou-avocats.fr\/?p=6569"},"modified":"2024-09-16T11:52:24","modified_gmt":"2024-09-16T09:52:24","slug":"accident-de-la-circulation-offre-dindemnisation-manifestement-insuffisante","status":"publish","type":"post","link":"https:\/\/guillermou-avocats.fr\/fr\/jurisprudences\/accident-de-la-circulation-offre-dindemnisation-manifestement-insuffisante","title":{"rendered":"Accident de la circulation : offre d’indemnisation manifestement insuffisante"},"content":{"rendered":"
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L\u2019assureur doit pr\u00e9senter une offre qui porte sur tous les \u00e9l\u00e9ments indemnisables all\u00e9gu\u00e9s du pr\u00e9judice tels que les postes relatifs aux frais divers, \u00e0 la perte de stock de marchandises et au d\u00e9ficit fonctionnel temporaire.<\/em><\/strong><\/p>\n

Accident de la route<\/a><\/h2>\n

Le 22 mars 2006, une femme est bless\u00e9e dans un accident de la circulation<\/a>.\u00a0 Apr\u00e8s une expertise m\u00e9dicale<\/a> ordonn\u00e9e en r\u00e9f\u00e9r\u00e9<\/a>, la victime assigne le conducteur responsable de l\u2019accident et son assureur en indemnisation de ses pr\u00e9judices<\/a>.<\/p>\n

En appel, la cour d\u00e9boute la victime<\/a> de sa demande tendant au doublement du taux d\u2019int\u00e9r\u00eat l\u00e9gal bas\u00e9 sur le fondement des articles L 211 \u2013 9<\/a> et L 211 \u2013 13 du code des assurances<\/a>\u00a0. La victime fonde sa demande en d\u00e9non\u00e7ant une\u00a0\u00a0offre<\/a>\u00a0 manifestement insuffisante de l’assureur qui \u00e9quivaut \u00e0 une absence d\u2019offre. Mais la Cour d’appel retient que l\u2019offre n\u2019est manifestement pas d\u00e9risoire au regard des montants propos\u00e9s, et que le poste \u00ab perte d\u2019exploitation \u00bb \u00e9tant port\u00e9 pour m\u00e9moire,\u00a0 l\u2019assureur a rempli ses obligations.<\/p>\n

Offre d’indemnisation manifestement insuffisante<\/h3>\n

Par arr\u00eat du 29 ao\u00fbt 2019 num\u00e9ro 18 \u2013 12. 759, la Cour de cassation casse et annule cette d\u00e9cision :<\/p>\n

\u00abQu\u2019en se d\u00e9terminant ainsi, sans rechercher, comme elle y \u00e9tait invit\u00e9e, si l\u2019offre de l\u2019assureur portait sur tous les \u00e9l\u00e9ments indemnisables all\u00e9gu\u00e9s du pr\u00e9judice et si elle comprenait, notamment, les postes relatifs aux frais divers, \u00e0 la perte de stock de marchandises et au d\u00e9ficit fonctionnel temporaire, la cour d\u2019appel n\u2019a pas donn\u00e9 de base l\u00e9gale \u00e0 sa d\u00e9cision \u00bb<\/em><\/strong><\/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":[33,26,27,25,115],"tags":[],"class_list":["post-6569","post","type-post","status-publish","format-standard","hentry","category-accident-de-la-circulation","category-dommage-corporel","category-indemnisation","category-jurisprudences","category-victime"],"yoast_head":"\nAccident de la circulation : offre d'indemnisation manifestement insuffisante - Avocat indemnisation de victimes<\/title>\n<meta name=\"description\" content=\"Une offre d'indemnisation manifestement insuffisante peut \u00eatre consid\u00e9r\u00e9e comme une absence d'offre par les juges du fond.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/guillermou-avocats.fr\/fr\/jurisprudences\/accident-de-la-circulation-offre-dindemnisation-manifestement-insuffisante\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accident de la circulation : offre d'indemnisation manifestement insuffisante - 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