{"id":9,"date":"2020-10-14T14:26:33","date_gmt":"2020-10-14T14:26:33","guid":{"rendered":"https:\/\/www.lesgrincheux.com\/?p=9"},"modified":"2020-10-14T14:26:34","modified_gmt":"2020-10-14T14:26:34","slug":"indemnisation-assurance","status":"publish","type":"post","link":"https:\/\/www.lesgrincheux.com\/?p=9","title":{"rendered":"Assurance : est-il si difficile d&#8217;\u00eatre indemnis\u00e9 ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>L\u2019assurance <\/strong>est un proc\u00e9d\u00e9 visant \u00e0 remettre une personne ou un \u00e9tablissement victime d\u2019un sinistre dans les conditions initiales pr\u00e9c\u00e9dant le sinistre. Ce proc\u00e9d\u00e9 s\u2019\u00e9tablit sur la base d\u2019un <strong>contrat entre la compagnie et l\u2019assur\u00e9<\/strong>. La compagnie s\u2019engage \u00e0 verser des indemnit\u00e9s moyennant une prime p\u00e9riodique pour prendre en charge le sinistre. Cette indemnit\u00e9 est-elle souvent difficile \u00e0 percevoir\u00a0?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance-1024x681.jpg\" alt=\"\" class=\"wp-image-10\" srcset=\"https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance-1024x681.jpg 1024w, https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance-300x199.jpg 300w, https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance-768x511.jpg 768w, https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance-1536x1021.jpg 1536w, https:\/\/www.lesgrincheux.com\/wp-content\/uploads\/2020\/10\/assurance.jpg 1540w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Difficult\u00e9 \u00e0 se faire indemniser<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La loi pr\u00e9voit un <strong>d\u00e9lai <\/strong>pour lequel l\u2019assureur ou la compagnie d\u2019assurances se doit de d\u00e9dommager son client en cas de sinistre. Ce d\u00e9lai est g\u00e9n\u00e9ralement inscrit dans les conditions g\u00e9n\u00e9rales du contrat d\u2019assurance. En cas de retard de paiement de l\u2019indemnit\u00e9, la loi oblige l\u2019assureur \u00e0 verser des <strong>dommages et int\u00e9r\u00eats <\/strong>au sinistr\u00e9. Cependant, lorsque la compagnie commence \u00e0 accuser ce retard dans l\u2019indemnisation du sinistre, le client peut lancer un recours. Si l\u2019assureur est de bonne foi, il devra reconna\u00eetre son retard et vous d\u00e9dommager \u00e0 condition que vous ayez adress\u00e9 un courrier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque par contre l\u2019assureur est de mauvaise foi, l\u2019assur\u00e9 a la possibilit\u00e9 de r\u00e9clamer des dommages et int\u00e9r\u00eats distincts. Il devra alors pr\u00e9senter une double preuve. D&#8217;un c\u00f4t\u00e9, il sera exig\u00e9 la preuve du dommage engendr\u00e9 par le retard du paiement de l\u2019indemnit\u00e9. D&#8217;un autre, la preuve de ce que le retard dans l\u2019indemnisation est fait intentionnellement par l\u2019assureur sera aussi fournie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9termination des dommages et int\u00e9r\u00eats<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>proc\u00e9dure de r\u00e8glement \u00e0 l&#8217;amiable<\/strong> est souvent le recours le plus facile pour clore toute discussion ou tout probl\u00e8me. Cette proc\u00e9dure permettra aux deux parties de s\u2019accorder sur les montants des dommages et int\u00e9r\u00eats de retard. En cas de non-aboutissement d\u2019un accord, alors l\u2019assur\u00e9 pourra recourir \u00e0 une <strong>proc\u00e9dure judiciaire<\/strong>. Au cours d\u2019une audience, l\u2019assur\u00e9 devra alors pr\u00e9senter les preuves et le montant r\u00e9clam\u00e9s. Il revient alors au juge p\u00e9nal de fixer le montant des dommages et int\u00e9r\u00eats \u00e0 l\u2019issue de cette audience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, les questions d\u2019indemnisation de sinistre entre assur\u00e9 et assureur&nbsp;sont souvent source de probl\u00e8mes. Le plus important est de s\u2019accorder sur un r\u00e8glement \u00e0 l&#8217;amiable.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance est un proc\u00e9d\u00e9 visant \u00e0 remettre une personne ou un \u00e9tablissement victime d\u2019un sinistre dans les conditions initiales pr\u00e9c\u00e9dant le sinistre. Ce proc\u00e9d\u00e9 s\u2019\u00e9tablit sur la base d\u2019un contrat entre la compagnie et l\u2019assur\u00e9. La compagnie s\u2019engage \u00e0 verser des indemnit\u00e9s moyennant une prime p\u00e9riodique pour prendre en charge le sinistre. Cette indemnit\u00e9 est-elle [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance : est-il si difficile d&#039;\u00eatre indemnis\u00e9 ? - Lesgrincheux.com<\/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.lesgrincheux.com\/?p=9\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance : est-il si difficile d&#039;\u00eatre indemnis\u00e9 ? - Lesgrincheux.com\" \/>\n<meta property=\"og:description\" content=\"L\u2019assurance est un proc\u00e9d\u00e9 visant \u00e0 remettre une personne ou un \u00e9tablissement victime d\u2019un sinistre dans les conditions initiales pr\u00e9c\u00e9dant le sinistre. 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