{"id":3878,"date":"2013-06-18T11:19:30","date_gmt":"2013-06-18T09:19:30","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/assurance\/assurance-la-non-declaration-de-nouvelles-circonstances-peut-entrainer-la-resiliation-du-contrat.html"},"modified":"2013-06-18T11:19:30","modified_gmt":"2013-06-18T11:19:30","slug":"assurance-la-non-declaration-de-nouvelles-circonstances-peut-entrainer-la-resiliation-du-contrat","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/assurance\/assurance-la-non-declaration-de-nouvelles-circonstances-peut-entrainer-la-resiliation-du-contrat.html","title":{"rendered":"Assurance : la non-d\u00e9claration de nouvelles circonstances peut entra\u00eener la r\u00e9siliation du contrat"},"content":{"rendered":"<p>Les obligations des assur\u00e9s ne s&rsquo;arr\u00eatent pas \u00e0 la signature du contrat. Dans un jugement dat\u00e9 du 15 mai 2013, la Cour de cassation rappelle en effet que <em>\u00ab l&rsquo;omission de d\u00e9clarer, en cours de contrat, des circonstances nouvelles de nature \u00e0 aggraver les risques garantis entra\u00eene, si elle est constat\u00e9e apr\u00e8s la r\u00e9alisation du sinistre, une r\u00e9duction proportionnelle de l&rsquo;indemnit\u00e9 due \u00e0 l&rsquo;assur\u00e9 \u00bb<\/em>. Les assur\u00e9s doivent ainsi communiquer \u00e0 leur assureur les \u00e9ventuelles \u00e9volutions <em>\u00ab qui ont pour cons\u00e9quence d&rsquo;aggraver les risques et rendent de ce fait inexactes ou caduques les r\u00e9ponses faites \u00e0 l&rsquo;assureur lors de la conclusion du contrat \u00bb<\/em>, pr\u00e9cise le jugement.<\/p>\n<p>Cette mise au point compl\u00e8te ainsi l&rsquo;article L113-9 du Code des assurances. Celui-ci stipule que <em>\u00ab l&rsquo;omission ou la d\u00e9claration inexacte de la part de l&rsquo;assur\u00e9 dont la mauvaise foi n&rsquo;est pas \u00e9tablie n&rsquo;entra\u00eene pas la nullit\u00e9 de l&rsquo;assurance \u00bb<\/em>. Cependant, le texte de loi \u00e9tablit que l&rsquo;assureur peut, lorsque cette erreur est constat\u00e9e avant sinistre, au choix maintenir le contrat en augmentant la prime de l&rsquo;assur\u00e9, ou r\u00e9silier <em>\u00ab le contrat dix jours apr\u00e8s notification adress\u00e9e \u00e0 l&rsquo;assur\u00e9 par lettre recommand\u00e9e, en restituant la portion de la prime pay\u00e9e pour le temps o\u00f9 l&rsquo;assurance ne court plus \u00bb<\/em>. Si en revanche, la constatation de l&rsquo;oubli n&rsquo;appara\u00eet qu&rsquo;apr\u00e8s la survenance d&rsquo;un sinistre, l&rsquo;indemnit\u00e9 est r\u00e9duite <em>\u00ab en proportion du taux des primes pay\u00e9es par rapport au taux des primes qui auraient \u00e9t\u00e9 dues, si les risques avaient \u00e9t\u00e9 compl\u00e8tement et exactement d\u00e9clar\u00e9s \u00bb<\/em>.<\/p>\n<p>Enfin, l&rsquo;article L118-8 du Code des assurances explique que<em> \u00ab le contrat d&rsquo;assurance est nul en cas de r\u00e9ticence ou de fausse d\u00e9claration intentionnelle de la part de l&rsquo;assur\u00e9 \u00bb<\/em>, et cela m\u00eame lorsque <em>\u00ab le risque omis ou d\u00e9natur\u00e9 par l&rsquo;assur\u00e9 a \u00e9t\u00e9 sans influence sur le sinistre \u00bb<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les obligations des assur\u00e9s ne s&rsquo;arr\u00eatent pas \u00e0 la signature du contrat. Dans un jugement dat\u00e9 du 15 mai 2013, la Cour de cassation rappelle en effet que \u00ab l&rsquo;omission de d\u00e9clarer, en cours de contrat, des circonstances nouvelles de nature \u00e0 aggraver les risques garantis entra\u00eene, si elle est constat\u00e9e apr\u00e8s la r\u00e9alisation du&#8230;<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-3878","post","type-post","status-publish","format-standard","hentry","category-conseils"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance : la non-d\u00e9claration de nouvelles circonstances peut entra\u00eener la r\u00e9siliation du contrat<\/title>\n<meta name=\"description\" content=\"Les assur\u00e9s ont l&#039;obligation de d\u00e9clarer les changements de situation pouvant aggraver les risques garantis. 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