Se pr\u00e9valant de son contrat d\u2019assurance, un restaurateur r\u00e9clame l\u2019indemnisation de ses pertes d\u2019exploitation enregistr\u00e9es lors de la fermeture administrative de son \u00e9tablissement. Sauf, r\u00e9torque (\u00e0 tort ?) l\u2019assureur, qu\u2019il n\u2019a pas bien lu le contrat\u2026 et que cela change tout\u2026<\/p>\n
\n
Coronavirus (COVID-19) : gare aux clauses d\u2019exclusion !<\/h2>\n
Contraint de fermer son restaurant en raison des mesures administratives prises pour entraver la propagation du coronavirus, un restaurateur r\u00e9clame \u00e0 son assureur l\u2019indemnisation des pertes d\u2019exploitation qu\u2019il a enregistr\u00e9es.<\/p>\n
A l\u2019appui de sa demande, il rappelle que son contrat d\u2019assurance couvre ses pertes en cas de fermeture administrative de son \u00e9tablissement pour cause d\u2019\u00e9pid\u00e9mie. Ce qui est le cas ici\u2026<\/p>\n
Sauf, r\u00e9torque l\u2019assureur, que le contrat contient (\u00e9galement) une clause d\u2019exclusion, qui pr\u00e9voit qu\u2019il n\u2019est pas tenu de verser une telle indemnisation d\u00e8s lors qu\u2019\u00e0 la date de d\u00e9cision de fermeture du restaurant, au moins un autre \u00e9tablissement (quelle que soit sa nature et son activit\u00e9) fait l\u2019objet d\u2019une mesure de fermeture administrative pour une cause identique.<\/p>\n
Ce qui est (bien) le cas ici\u2026 et l\u2019exon\u00e8re donc de toute indemnisation\u2026<\/p>\n
\u00ab Faux \u00bb, tranche le juge, qui rel\u00e8ve que les contours de la clause d\u2019exclusion ne sont pas pr\u00e9cis\u00e9ment limit\u00e9s, puisqu\u2019elle est r\u00e9dig\u00e9e en des termes tr\u00e8s g\u00e9n\u00e9raux, notamment en ce qui concerne le territoire qu\u2019elle vise, qui d\u00e9passe le simple cadre d\u2019un village et d\u2019une ville.<\/p>\n
Mais au-del\u00e0 de cela, cette clause appara\u00eet comme particuli\u00e8rement incoh\u00e9rente puisque l\u2019assureur ne peut pas dans le m\u00eame temps garantir l\u2019indemnisation des pertes d\u2019exploitation enregistr\u00e9es par le restaurateur dans le cas d\u2019une fermeture administrative de son \u00e9tablissement en raison d\u2019une \u00e9pid\u00e9mie et exclure cette indemnisation dans le cas o\u00f9 l\u2019\u00e9pid\u00e9mie touche un autre \u00e9tablissement dans le m\u00eame d\u00e9partement.<\/p>\n
La clause, qui prive de sa substance la garantie visant \u00e0 l\u2019indemnisation des pertes d\u2019exploitation dans ce contexte particulier, est donc d\u00e9clar\u00e9e nulle\u2026 et l\u2019assureur est condamn\u00e9 \u00e0 indemniser le restaurateur.<\/p>\n
Notez que la question de l\u2019indemnisation des pertes d\u2019exploitation des commer\u00e7ants dans le cadre de la pand\u00e9mie est source de nombreux contentieux.<\/p>\n
Il n\u2019est pour l\u2019instant pas possible de d\u00e9gager une tendance g\u00e9n\u00e9rale : chaque d\u00e9cision d\u00e9pend des circonstances de fait, et de la r\u00e9daction du contrat d\u2019assurance en cause.<\/p>\n
Source : Arr\u00eat de la Cour d\u2019appel d\u2019Aix-en-Provence du 25 f\u00e9vrier 2021, n\u00b0 20\/10357 (NP)<\/p>\n
Coronavirus (COVID-19) et restaurateurs : un assureur condamn\u00e9 \u00e0 couvrir des pertes d\u2019exploitation<\/a> \u00a9 Copyright WebLex – 2021<\/p>\n<\/div>\n<\/div>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Se pr\u00e9valant de son contrat d\u2019assurance, un restaurateur r\u00e9clame l\u2019indemnisation de ses pertes d\u2019exploitation enregistr\u00e9es lors de la fermeture administrative de son \u00e9tablissement. Sauf, r\u00e9torque (\u00e0 tort ?) l\u2019assureur, qu\u2019il n\u2019a pas bien lu le contrat\u2026 et que cela change tout\u2026<\/p>\n","protected":false},"author":0,"featured_media":3296,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"\n
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