{"id":4110,"date":"2016-01-28T14:09:05","date_gmt":"2016-01-28T13:09:05","guid":{"rendered":"https:\/\/cdes.fr\/?p=4110"},"modified":"2021-01-29T10:13:31","modified_gmt":"2021-01-29T09:13:31","slug":"actu-jurisprudence-obligation-dinformation-en-matiere-dassurance-individuelle-daccident","status":"publish","type":"post","link":"https:\/\/cdes.fr\/?p=4110","title":{"rendered":"ACTU | JURISPRUDENCE : OBLIGATION D’INFORMATION EN MATI\u00c8RE D’ASSURANCE \u00ab\u00a0INDIVIDUELLE D’ACCIDENT\u00a0\u00bb"},"content":{"rendered":"\t\t
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Le 16 juillet 2012, Mme X. a \u00e9t\u00e9 victime d\u2019un accident de parapente lors d\u2019un vol effectu\u00e9 avec une \u00e9cole de parapente affili\u00e9e \u00e0 la F\u00e9d\u00e9ration fran\u00e7aise de vol libre (ci-apr\u00e8s \u00ab le club \u00bb).<\/p>

Par acte du 29 avril 2013, la victime a fait assigner le club et son assureur en responsabilit\u00e9 sur le fondement des articles 1147 (auj. 1231-1) du code civil et L. 321-4 du code du sport et sollicit\u00e9 une expertise m\u00e9dicale pour l\u2019\u00e9valuation de son pr\u00e9judice corporel et le paiement d\u2019une provision.<\/p>

Par un jugement du 27 avril 2015, confirm\u00e9 par un arr\u00eat de la cour d\u2019appel de Chamb\u00e9ry du 16 juin 2016 (RG no 15\/01270), la responsabilit\u00e9 contractuelle du club a \u00e9t\u00e9 retenue pour un manquement \u00e0 son obligation d\u2019information en mati\u00e8re d\u2019assurance \u00ab individuelle accident \u00bb, ce dernier n\u2019ayant pas justifi\u00e9 avoir inform\u00e9 la victime de l\u2019int\u00e9r\u00eat que pr\u00e9sentait la souscription d\u2019un contrat d\u2019assurance de personnes couvrant les dommages corporels auxquels sa pratique sportive pouvait l\u2019exposer. Une expertise m\u00e9dicale a \u00e9t\u00e9 ordonn\u00e9e et le club et son assureur ont \u00e9t\u00e9 condamn\u00e9s au paiement d\u2019une provision de 5 000 euros. Le principe de la responsabilit\u00e9 du club pour d\u00e9faut d\u2019information \u00e9tant act\u00e9, restait \u00e0 d\u00e9battre au fond du montant de l\u2019indemnisation due \u00e0 la victime en lien avec la perte de chance pour cette derni\u00e8re d\u2019avoir pu souscrire une garantie \u00abindividuelle accident\u00bb.<\/p>

Par un arr\u00eat du 28 mars 2019 (RG no 17\/02629), la cour d\u2019appel de Chamb\u00e9ry a jug\u00e9 qu\u2019aucune disposition l\u00e9gale n\u2019imposant \u00e0 un club sportif d\u2019attirer l\u2019attention de ses adh\u00e9rents sur l\u2019\u00e9tendue des garanties souscrites et leur \u00e9ventuelle insuffisance, ou de proposer une garantie couvrant l\u2019int\u00e9gralit\u00e9 des dommages corporels susceptibles de r\u00e9sulter de la pratique de l\u2019activit\u00e9 de celui-ci, il ne pouvait \u00eatre reproch\u00e9 au club de parapente de ne pas avoir propos\u00e9 un contrat couvrant un niveau de garantie sup\u00e9rieur ou de ne pas avoir invit\u00e9 sa cliente \u00e0 rechercher par elle-m\u00eame, au moyen de
d\u00e9marches personnelles aupr\u00e8s de compagnies d\u2019assurance priv\u00e9es, une police offrant un niveau de garantie sup\u00e9rieur \u00e0 celui souscrit par la F\u00e9d\u00e9ration fran\u00e7aise de vol libre et propos\u00e9 par le club.<\/p>

La cour s\u2019est donc bas\u00e9e sur le niveau de garantie maximum du contrat \u00abindividuelle accident\u00bb souscrit par la f\u00e9d\u00e9ration pour \u00e9valuer l\u2019indemnisation de la perte de chance (qu\u2019elle a estim\u00e9e \u00e0 50%). La garantie en question \u00e9tait de 48000 euros pour l\u2019incapacit\u00e9 permanente totale outre 3000 euros s\u2019agissant des frais m\u00e9dicaux et pharmaceutiques rest\u00e9s \u00e0 charge de l\u2019adh\u00e9rent.<\/p>

Ainsi, pour les juges d\u2019appel, dans l\u2019hypoth\u00e8se o\u00f9 la victime aurait souscrit le niveau de garantie le plus protecteur et aurait
honor\u00e9 le co\u00fbt de la cotisation y aff\u00e9rente (75 euros), l\u2019indemnisation \u00e0 laquelle elle aurait pu pr\u00e9tendre aurait \u00e9t\u00e9 d\u2019environ 9 000 euros.\u00a0<\/p>

Insatisfaite de cette d\u00e9cision, la victime a form\u00e9 un pourvoi en cassation estimant que la cour d\u2019appel a viol\u00e9 l\u2019article L. 321-4 du code du sport en ne l\u2019indemnisant que de la seule perte de chance d\u2019avoir pu souscrire le contrat agr\u00e9\u00e9 par la f\u00e9d\u00e9ration et propos\u00e9 par le club.<\/p>

La Cour de cassation a \u00e9t\u00e9 sensible \u00e0 cet argument. Elle a estim\u00e9 en effet qu\u2019en se d\u00e9terminant comme elle l\u2019a fait, sans rechercher, comme il le lui \u00e9tait demand\u00e9, si le d\u00e9faut d\u2019information retenu, portant sur l\u2019int\u00e9r\u00eat de souscrire une assurance couvrant les dommages corporels auxquels la pratique du parapente pouvait l\u2019exposer, n\u2019avait pas aussi fait perdre \u00e0 la victime une chance de souscrire une assurance proposant des garanties plus \u00e9tendues, la cour d\u2019appel n\u2019a pas donn\u00e9 de base l\u00e9gale \u00e0 sa d\u00e9cision.\u00a0<\/p>

Il ressort de cet arr\u00eat que l\u2019obligation d\u2019information des clubs sportifs et des f\u00e9d\u00e9rations sportives en mati\u00e8re d\u2019assurance \u00ab individuelle accident \u00bb ne se limite pas \u00e0 informer leurs adh\u00e9rents des seules garanties propos\u00e9es dans le cadre du contrat de groupe souscrit par la f\u00e9d\u00e9ration.\u00a0Il faut aussi les informer de leur int\u00e9r\u00eat \u00e0 souscrire des garanties plus \u00e9tendues, et pouvoir justifier de cette information en cas de litige.<\/span><\/p>

\u00a0<\/h4>

Franck LAGARDE<\/a><\/h4>

[Civ. 1re, 25 nov. 2020, n\u00b019-17.195]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Le 16 juillet 2012, Mme X. a \u00e9t\u00e9 victime d\u2019un accident de parapente lors d\u2019un vol effectu\u00e9 avec une \u00e9cole de parapente affili\u00e9e \u00e0 la F\u00e9d\u00e9ration fran\u00e7aise de vol libre (ci-apr\u00e8s \u00ab…<\/p>\n","protected":false},"author":92,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":"","beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_preview_token":"","beyondwords_player_content":"","beyondwords_player_style":"","beyondwords_language_code":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[1],"tags":[91,94,93],"class_list":["post-4110","post","type-post","status-publish","format-standard","hentry","category-non-classifiee","tag-actualite","tag-assurance","tag-jurisprudence"],"yoast_head":"\nACTU | JURISPRUDENCE : OBLIGATION D'INFORMATION EN MATI\u00c8RE D'ASSURANCE "INDIVIDUELLE D'ACCIDENT" - 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