{"id":8164,"date":"2022-05-18T15:01:29","date_gmt":"2022-05-18T13:01:29","guid":{"rendered":"https:\/\/guillermou-avocats.fr\/?p=8164"},"modified":"2024-12-27T17:51:16","modified_gmt":"2024-12-27T16:51:16","slug":"%f0%9d%97%9f%f0%9d%97%ae-%f0%9d%97%96%f0%9d%97%bc%f0%9d%98%82%f0%9d%97%bf-%f0%9d%97%b1%f0%9d%97%b2-%f0%9d%97%b0%f0%9d%97%ae%f0%9d%98%80%f0%9d%98%80%f0%9d%97%ae%f0%9d%98%81%f0%9d%97%b6%f0%9d%97%bc","status":"publish","type":"post","link":"https:\/\/guillermou-avocats.fr\/fr\/actualites\/%f0%9d%97%9f%f0%9d%97%ae-%f0%9d%97%96%f0%9d%97%bc%f0%9d%98%82%f0%9d%97%bf-%f0%9d%97%b1%f0%9d%97%b2-%f0%9d%97%b0%f0%9d%97%ae%f0%9d%98%80%f0%9d%98%80%f0%9d%97%ae%f0%9d%98%81%f0%9d%97%b6%f0%9d%97%bc","title":{"rendered":"\ud835\udddf\ud835\uddee \ud835\uddd6\ud835\uddfc\ud835\ude02\ud835\uddff \ud835\uddf1\ud835\uddf2 \ud835\uddf0\ud835\uddee\ud835\ude00\ud835\ude00\ud835\uddee\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb \ud835\uddfd\ud835\uddff\ud835\uddfc\ud835\ude01\ud835\uddf2\u0300\ud835\uddf4\ud835\uddf2 \ud835\uddf9\ud835\uddf2\ud835\ude00 \ud835\ude03\ud835\uddf6\ud835\uddf0\ud835\ude01\ud835\uddf6\ud835\uddfa\ud835\uddf2\ud835\ude00 \ud835\uddf2\ud835\uddfb \ud835\ude00\ud835\uddee\ud835\uddfb\ud835\uddf0\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb\ud835\uddfb\ud835\uddee\ud835\uddfb\ud835\ude01 \ud835\ude02\ud835\uddfb\ud835\uddf2 \ud835\uddf6\ud835\uddfb\ud835\ude01\ud835\uddf2\ud835\uddff\ud835\uddfd\ud835\uddff\ud835\uddf2\u0301\ud835\ude01\ud835\uddee\ud835\ude01\ud835\uddf6\ud835\uddfc\ud835\uddfb \ud835\uddf3\ud835\uddf9\ud835\uddfc\ud835\ude02\ud835\uddf2 \ud835\uddf1\ud835\uddf2\ud835\ude00 \ud835\uddf0\ud835\uddf9\ud835\uddee\ud835\ude02\ud835\ude00\ud835\uddf2\ud835\ude00 \ud835\uddf1’\ud835\uddf2\ud835\ude05\ud835\uddf0\ud835\uddf9\ud835\ude02\ud835\ude00\ud835\uddf6\ud835\uddfc\ud835\uddfb \ud835\uddf1\ud835\uddf2 \ud835\uddf4\ud835\uddee\ud835\uddff\ud835\uddee\ud835\uddfb\ud835\ude01\ud835\uddf6\ud835\uddf2"},"content":{"rendered":"

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Dans un arr\u00eat en date du 31 mars 2022 (Civ. 2\u00e8me, n\u00b019-24847) la Cour de cassation censure une clause d\u2019exclusion de garantie dans le cadre d\u2019un contrat d\u2019assurance.<\/p>\n

En l\u2019esp\u00e8ce, la clause pr\u00e9cisait qu\u2019\u00e9taient exclues \u00ab les affections psychiques (y compris les d\u00e9pressions nerveuses)\u00a0\u00bb du cadre de la garantie. Or, la partie s\u2019\u00e9tant pourvue en cassation critiquait l\u2019absence de prise en charge par l\u2019assureur de sa d\u00e9pression nerveuse.<\/p>\n

La d\u00e9cision des magistrats de la Haute Cour peut surprendre \u00e9tant donn\u00e9 que l\u2019exemple de la d\u00e9pression nerveuse \u00e9tait indiqu\u00e9 dans la clause pr\u00e9cisant son exclusion.<\/p>\n

N\u00e9anmoins, la d\u00e9cision est tout \u00e0 fait logique au regard de plusieurs principes relatifs au droit des contrats et au droit des assurances.<\/p>\n

Tout d\u2019abord il est important de rappeler que l\u2019ambigu\u00eft\u00e9 d\u2019une clause d\u2019un contrat doit \u00eatre interpr\u00e9t\u00e9e dans le sens le plus favorable \u00e0 l\u2019assur\u00e9. Ici, la notion d\u2019affection psychique est source \u00e0 interpr\u00e9tation.<\/p>\n

En effet, l\u2019affection psychique peut \u00eatre entendue de plusieurs mani\u00e8res diff\u00e9rentes et regrouper une multitude de troubles mentaux. Pour exemple, la 5\u00e8me<\/sup> et derni\u00e8re \u00e9dition du Manuel diagnostique et statistique des troubles mentaux et des troubles psychiatriques, n\u2019aborde pas la notion \u00ab\u00a0d\u2019affection psychique\u00a0\u00bb mais d\u2019autres beaucoup plus pr\u00e9cises telles que les troubles d\u00e9pressifs, les troubles anxieux ou encore les troubles obsessionnel-compulsif et connexes.<\/p>\n

La Cour de cassation fait donc le choix de sanctionner le manque de pr\u00e9cision dans la r\u00e9daction de cette clause et \u00e9carte le cas de la d\u00e9pression nerveuse qui \u00e9tait uniquement cit\u00e9 \u00e0 titre d\u2019exemple.<\/p>\n

Ainsi, il semble primordial de remettre en cause certaines clauses qui peuvent parfois \u00eatre \u00e0 l\u2019origine de l\u2019exclusion d\u2019un dommage dont vous avez \u00e9t\u00e9 victime.<\/p>\n

https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000045545451?dateDecision&init=true&page=1&query=19-24847&searchField=NUM_AFFAIRE&tab_selection=juri&fbclid=IwAR1fZ7iXtXqXoMeduYc432H6PHpr1xuS2IkBTEDMGcTGOi2wgQJHC7VC1W8<\/p>\n<\/div>

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\"l\u2019imputation<\/p>\n<\/div>

<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/p>\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":[93,76,25,37],"tags":[],"class_list":["post-8164","post","type-post","status-publish","format-standard","hentry","category-actualites","category-droit","category-jurisprudences","category-jurisprudences-et-actualites-juridiques"],"yoast_head":"\nClause d'exclusion de garantie floue censur\u00e9e par la Cour de Cass - Avocat indemnisation de victimes<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez l'arr\u00eat r\u00e9cent de la Cour de cassation censurant une clause d'exclusion de garantie dans un contrat d'assurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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