{"id":522,"date":"2021-02-22T05:45:00","date_gmt":"2021-02-22T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/coronavirus-covid-19-et-pertes-dexploitation-lassurance-doit-elle-vous-indemniser\/"},"modified":"2021-04-05T03:00:23","modified_gmt":"2021-04-05T01:00:23","slug":"coronavirus-covid-19-et-pertes-dexploitation-lassurance-doit-elle-vous-indemniser","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/coronavirus-covid-19-et-pertes-dexploitation-lassurance-doit-elle-vous-indemniser\/","title":{"rendered":"Coronavirus (COVID-19) et pertes d\u2019exploitation : l\u2019assurance doit-elle vous indemniser ?"},"content":{"rendered":"<p >D\u00e9cid\u00e9s \u00e0 \u00eatre indemnis\u00e9s de leurs pertes d\u2019exploitation r\u00e9sultant de la crise sanitaire, 3 restaurateurs demandent, en urgence, le versement d\u2019une indemnisation par leur assurance. A tort ou \u00e0 raison ?<\/p>\n<div>\n<h2> Attention \u00e0 la r\u00e9daction du contrat d\u2019assurance<\/h2>\n<p>3 restaurateurs touch\u00e9s par la crise sanitaire d\u00e9cident de r\u00e9clamer \u00e0 leur assurance l\u2019indemnisation des pertes d\u2019exploitation qu\u2019ils ont enregistr\u00e9es entre le 15 mars et le 30 ao\u00fbt 2020.<\/p>\n<p>Confront\u00e9s \u00e0 un refus, ils saisissent le juge via une proc\u00e9dure d\u2019urgence (on parle de proc\u00e9dure de \u00ab r\u00e9f\u00e9r\u00e9 \u00bb), en vue d\u2019obtenir au plus vite le versement d\u2019une provision.<\/p>\n<p>Et pour convaincre le juge, les restaurateurs rappellent que leur contrat d\u2019assurance pr\u00e9voit l\u2019indemnisation de leurs pertes d\u2019exploitation qui r\u00e9sultent de la \u00ab fermeture \u00bb de leurs \u00e9tablissements sur ordre des autorit\u00e9s administratives, lorsque celle-ci est motiv\u00e9e par la survenance de maladie contagieuse ou d\u2019\u00e9pid\u00e9mie.<\/p>\n<p>Ce qui est bien le cas ici !<\/p>\n<p>\u00ab Oui\u2026 et non \u00bb, tranche le juge qui rappelle la chronologie des faits :<\/p>\n<ul>\n<li>entre le 15 mars et le 1er juin 2020, les restaurants ont bel et bien d\u00fb fermer leurs portes ;<\/li>\n<li>entre le 1er et le 22 juin, ils n\u2019ont pu donner acc\u00e8s \u00e0 leurs clients qu\u2019\u00e0 leurs seules terrasses ext\u00e9rieures, leurs salles int\u00e9rieures restant ferm\u00e9es ;<\/li>\n<li>entre le 23 juin et le 30 ao\u00fbt 2020, les restaurants n\u2019ont pu rouvrir leurs portes que sous r\u00e9serve de respecter diverses r\u00e8gles relatives \u00e0 la distanciation sociale et au respect des gestes barri\u00e8res.<\/li>\n<\/ul>\n<p>Au vu des particularit\u00e9s de la situation, le juge nuance donc sa r\u00e9ponse.<\/p>\n<p>Ainsi, pour la p\u00e9riode allant du 15 mars au 22 juin 2020, il consid\u00e8re que l\u2019assurance doit en effet, au vu du contrat d\u2019assurance, indemniser les restaurateurs qui ont \u00e9t\u00e9 contraints de fermer (en tout ou partie) leurs \u00e9tablissements.<\/p>\n<p>Quant \u00e0 la p\u00e9riode allant du 23 juin au 30 ao\u00fbt 2020, le juge estime toutefois que la notion de \u00ab fermeture \u00bb des restaurants est, au vu des circonstances, soumise \u00e0 interpr\u00e9tation.<\/p>\n<p>Il refuse par cons\u00e9quent de se prononcer et d\u2019accorder, dans le cadre de cette proc\u00e9dure d\u2019urgence, le versement d\u2019une provision par l\u2019assurance pour cette p\u00e9riode.<\/p>\n<p>Source : Arr\u00eat du Tribunal judiciaire de Paris du 11 f\u00e9vrier 2021, n\u00b0 21\/50243 (NP)<\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/coronavirus-covid-19-et-pertes-dexploitation-lassurance-doit-elle-vous-indemniser\" rel=\"nofollow noopener\" target=\"_blank\">Coronavirus (COVID-19) et pertes d\u2019exploitation : l\u2019assurance doit-elle vous indemniser ?<\/a>\u00a9 Copyright WebLex &#8211; 2021<\/p>\n<\/div>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/restaurantsoir.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9cid\u00e9s \u00e0 \u00eatre indemnis\u00e9s de leurs pertes d\u2019exploitation r\u00e9sultant de la crise sanitaire, 3 restaurateurs demandent, en urgence, le versement d\u2019une indemnisation par leur assurance. A tort ou \u00e0 raison ?<\/p>\n","protected":false},"author":0,"featured_media":3628,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coronavirus (COVID-19) et pertes d\u2019exploitation : l\u2019assurance doit-elle vous indemniser ? - Cabinet Magar<\/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:\/\/www.cabinet-magar.fr\/actualites\/coronavirus-covid-19-et-pertes-dexploitation-lassurance-doit-elle-vous-indemniser\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coronavirus (COVID-19) et pertes d\u2019exploitation : l\u2019assurance doit-elle vous indemniser ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"D\u00e9cid\u00e9s \u00e0 \u00eatre indemnis\u00e9s de leurs pertes d\u2019exploitation r\u00e9sultant de la crise sanitaire, 3 restaurateurs demandent, en urgence, le versement d\u2019une indemnisation par leur assurance. 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