{"id":768659,"date":"2026-04-30T01:52:39","date_gmt":"2026-04-29T23:52:39","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-colmar-le-9-janvier-2026-n24-01801\/"},"modified":"2026-04-30T01:52:39","modified_gmt":"2026-04-29T23:52:39","slug":"cour-dappel-de-colmar-le-9-janvier-2026-n24-01801","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ru\/cour-dappel-de-colmar-le-9-janvier-2026-n24-01801\/","title":{"rendered":"Cour d’appel de Colmar, le 9 janvier 2026, n\u00b024\/01801"},"content":{"rendered":"
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La cour d’appel de Colmar, dans un arr\u00eat du 9 janvier 2026, se prononce sur le refus de garantie oppos\u00e9 par un assureur \u00e0 son assur\u00e9. Un entrepreneur individuel a souscrit une assurance automobile, puis a d\u00e9clar\u00e9 un sinistre apr\u00e8s un accident. L’assureur a refus\u00e9 la prise en charge au motif que le v\u00e9hicule, \u00e9quip\u00e9 d’un bo\u00eetier modifiant sa puissance, n’avait pas \u00e9t\u00e9 d\u00e9clar\u00e9 conform\u00e9ment aux caract\u00e9ristiques r\u00e9elles. Le tribunal judiciaire a condamn\u00e9 l’assureur \u00e0 indemniser l’assur\u00e9, d\u00e9cision dont l’assureur a relev\u00e9 appel. La question de droit centrale porte sur l’application de l’article L. 113-9 du code des assurances en cas d’omission ou de d\u00e9claration inexacte du risque par l’assur\u00e9, et sur la charge de la preuve de la mauvaise foi. La cour confirme le jugement de premi\u00e8re instance et rejette l’appel de l’assureur.<\/p>\n

I. L’absence de preuve de l’aggravation du risque par l’assureur<\/p>\n

La cour rappelle que la charge de la preuve de la mauvaise foi de l’assur\u00e9 incombe \u00e0 l’assureur qui invoque une fausse d\u00e9claration. Elle constate que l’assureur n’a pas d\u00e9montr\u00e9 en quoi la modification de puissance constituait une aggravation du risque. «la SA MMA IARD, sur laquelle repose la charge de la preuve, n’explique pas en quoi la modification de la puissance du v\u00e9hicule cr\u00e9e une aggravation du risque» (Motifs). L’assureur n’a pas non plus fourni d’\u00e9l\u00e9ment sur la diff\u00e9rence de prime qui aurait \u00e9t\u00e9 due.<\/p>\n

La valeur de cette d\u00e9cision est de rappeler le principe selon lequel l’assureur doit prouver l’\u00e9l\u00e9ment mat\u00e9riel et intentionnel de la fausse d\u00e9claration. La port\u00e9e de l’arr\u00eat est de sanctionner une pratique o\u00f9 l’assureur se contente d’invoquer une modification technique sans \u00e9tablir son incidence sur le risque. La solution garantit que le refus de garantie ne soit pas fond\u00e9 sur des all\u00e9gations non \u00e9tay\u00e9es.<\/p>\n

II. L’absence de caract\u00e8re abusif de la r\u00e9sistance de l’assureur<\/p>\n

La cour \u00e9carte la demande de dommages et int\u00e9r\u00eats pour r\u00e9sistance abusive form\u00e9e par l’assur\u00e9. Elle estime que les \u00e9l\u00e9ments de discordance dans les documents produits par l’assur\u00e9 justifiaient une r\u00e9sistance de l’assureur. «Les \u00e9l\u00e9ments de discordance entre la facture du v\u00e9hicule produite par M. [B] et le certificat de cession du v\u00e9hicule […] pouvaient conduire \u00e0 une r\u00e9sistance de l’assureur» (Motifs). L’assur\u00e9 n’a pas d\u00e9montr\u00e9 avoir transmis tous les documents n\u00e9cessaires \u00e0 l’\u00e9valuation du sinistre.<\/p>\n

La valeur de ce point est d’illustrer que la r\u00e9sistance d’un assureur n’est pas abusive lorsqu’elle repose sur des \u00e9l\u00e9ments objectifs de complexit\u00e9 ou d’incertitude. La port\u00e9e de l’arr\u00eat est de limiter les condamnations pour r\u00e9sistance abusive aux seuls cas o\u00f9 l’assureur agit de mani\u00e8re dilatoire ou malveillante. La cour confirme que le simple fait de contester la garantie ne suffit pas \u00e0 caract\u00e9riser un abus.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d’appel de Colmar, dans un arr\u00eat du 9 janvier 2026, se prononce sur le refus de garantie oppos\u00e9 par un assureur \u00e0 son assur\u00e9. Un entrepreneur individ…<\/p>\n","protected":false},"author":232070755,"featured_media":4756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"69622979cdc6046d47d4a141","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/69622979cdc6046d47d4a141","_kj_judilibre_id":"69622979cdc6046d47d4a141","_kj_jur":"Cour d'appel","_kj_lieu":"Colmar","_kj_chambre":"Chambre 2 A","_kj_rg":"24\/01801","_kj_date":"2026-01-09","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-768659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Colmar, le 9 janvier 2026, n\u00b024\/01801 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La cour d'appel de Colmar, dans un arr\u00eat du 9 janvier 2026, se prononce sur le refus de garantie oppos\u00e9 par un assureur \u00e0 son assur\u00e9. 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