Une assurance refuse la prise en charge des mensualit\u00e9s de son cr\u00e9dit professionnel \u00e0 un agriculteur en arr\u00eat de travail suite \u00e0 des probl\u00e8mes de dos. La faute de la banque, selon ce dernier, qui r\u00e9clame donc une indemnisation. Va-t-il l\u2019obtenir ?<\/p>\n
\n
Focus sur la notion \u00ab d\u2019al\u00e9a \u00bb en mati\u00e8re d\u2019assurance<\/h2>\n
Un agriculteur contracte un pr\u00eat professionnel pour financer l\u2019achat de mat\u00e9riel n\u00e9cessaire \u00e0 son activit\u00e9 et souscrit, dans le m\u00eame temps, une assurance d\u00e9c\u00e8s-invalidit\u00e9 normalement destin\u00e9e \u00e0 prendre en charge les mensualit\u00e9s de ce cr\u00e9dit en cas de maladie.<\/p>\n
Victime d\u2019une hernie discale et mis en arr\u00eat de travail, l\u2019agriculteur demande \u00e0 l\u2019assurance de prendre en charge les mensualit\u00e9s en question, ce qu\u2019elle refuse au motif que ce risque n\u2019est pas couvert par le contrat.<\/p>\n
\u00ab Ce dont la banque ne m\u2019a pas pr\u00e9venu \u00bb s\u2019indigne l\u2019agriculteur, pour qui le d\u00e9faut d\u2019information de la banque l\u2019a priv\u00e9 de la possibilit\u00e9 de souscrire une assurance ad\u00e9quate\u2026 ce qui m\u00e9rite indemnisation.<\/p>\n
\u00ab Faux \u00bb r\u00e9torque l\u2019int\u00e9ress\u00e9e, qui rappelle que l\u2019agriculteur \u00e9tait d\u00e9j\u00e0 en arr\u00eat de travail pour ses maux de dos au moment de la souscription des contrats de pr\u00eat et d\u2019assurance.<\/p>\n
Parce qu\u2019elle existait d\u00e9j\u00e0 au moment de la signature des contrats, cette pathologie ne pouvait donc pas, dans tous les cas, \u00eatre couverte par l\u2019assurance.<\/p>\n
Ce que confirme le juge, qui rappelle qu\u2019un contrat d\u2019assurance n\u2019a vocation \u00e0 couvrir que les seuls risques futurs, et non ceux d\u00e9j\u00e0 r\u00e9alis\u00e9s au moment de la signature du contrat (ce que l\u2019on appelle techniquement \u00ab l\u2019al\u00e9a \u00bb en mati\u00e8re d\u2019assurance).<\/p>\n
Faute de prouver qu\u2019il aurait pu, si la banque l\u2019avait mieux inform\u00e9, contracter une assurance pour couvrir sa pathologie d\u00e9j\u00e0 existante, l\u2019agriculteur voit donc sa demande d\u2019indemnisation rejet\u00e9e\u2026<\/p>\n
Source : Arr\u00eat de la Cour de cassation, chambre commerciale, du 6 janvier 2021, n\u00b0 18-18314 (NP)<\/p>\n
Pr\u00eats bancaires et assurance : si et seulement si\u2026<\/a> \u00a9 Copyright WebLex – 2021<\/p>\n<\/div>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Une assurance refuse la prise en charge des mensualit\u00e9s de son cr\u00e9dit professionnel \u00e0 un agriculteur en arr\u00eat de travail suite \u00e0 des probl\u00e8mes de dos. La faute de la banque, selon ce dernier, qui r\u00e9clame donc une indemnisation. Va-t-il l\u2019obtenir ?<\/p>\n","protected":false},"author":0,"featured_media":3709,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"\n
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