{"id":763481,"date":"2026-04-29T22:06:58","date_gmt":"2026-04-29T20:06:58","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-lyon-le-13-janvier-2026-n24-02577\/"},"modified":"2026-04-29T22:06:58","modified_gmt":"2026-04-29T20:06:58","slug":"cour-dappel-de-lyon-le-13-janvier-2026-n24-02577","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-lyon-le-13-janvier-2026-n24-02577\/","title":{"rendered":"Cour d’appel de Lyon, le 13 janvier 2026, n\u00b024\/02577"},"content":{"rendered":"
\n

La cour d’appel de Lyon, dans un arr\u00eat du 13 janvier 2026, a statu\u00e9 sur le droit \u00e0 indemnisation d’une victime d’un accident survenu dans un commerce familial.<\/p>\n

Une salari\u00e9e en cong\u00e9 maternit\u00e9 s’est bless\u00e9e gravement la main dans un hachoir \u00e0 viande lors d’une visite \u00e0 son mari. L’assureur avait refus\u00e9 la garantie accidents de la vie priv\u00e9e, invoquant un accident professionnel et une absence d’al\u00e9a.<\/p>\n

La question centrale \u00e9tait de savoir si l’accident relevait de la vie priv\u00e9e ou professionnelle et s’il pr\u00e9sentait un caract\u00e8re accidentel. La cour a confirm\u00e9 le jugement en retenant que la victime n’\u00e9tait pas en situation de travail au moment des faits.<\/p>\n

I. La qualification d’accident de la vie priv\u00e9e retenue<\/p>\n

La cour \u00e9carte la th\u00e8se de l’accident professionnel en se fondant sur les circonstances de l’esp\u00e8ce. Elle retient que la visite \u00e9tait familiale et non professionnelle, apr\u00e8s la fermeture du commerce et en pr\u00e9sence des enfants.<\/p>\n

Les juges adoptent les motifs des premiers juges pour consid\u00e9rer que l’accident rel\u00e8ve de la vie priv\u00e9e. La situation de cong\u00e9 maternit\u00e9 exclut tout rattachement \u00e0 une activit\u00e9 professionnelle au moment du sinistre.<\/p>\n

La solution se justifie par l’absence de lien de subordination ou de mission de travail lors de l’accident. La cour pr\u00e9cise que la pr\u00e9sence dans un lieu professionnel ne suffit pas \u00e0 caract\u00e9riser un accident du travail.<\/p>\n

La valeur de cette d\u00e9cision est de rappeler que le crit\u00e8re temporel et circonstanciel prime sur le lieu pour qualifier un accident. La port\u00e9e est de prot\u00e9ger les assur\u00e9s contre une interpr\u00e9tation extensive des exclusions contractuelles.<\/p>\n

II. La caract\u00e9risation de l’accident au sens contractuel<\/p>\n

La cour rejette l’argument de l’absence d’al\u00e9a fond\u00e9 sur une pr\u00e9tendue faute dolosive de la victime. Elle estime que l’acte d’allumer la machine par inadvertance n’est pas un acte intentionnel.<\/p>\n

Les juges soulignent qu’aucun \u00e9l\u00e9ment ne permet de consid\u00e9rer que l’accident r\u00e9sulte d’une mutilation volontaire ou d’un acte intentionnel. L’assureur ne peut donc se pr\u00e9valoir de cette cause d’exclusion de garantie.<\/p>\n

La solution se justifie par la distinction entre la simple imprudence et l’acte volontaire constitutif d’une faute dolosive. La cour rappelle que le contrat garantit sp\u00e9cifiquement les risques li\u00e9s \u00e0 la maladresse ou l’inattention.<\/p>\n

La valeur de cette d\u00e9cision est de rappeler que l’impr\u00e9visibilit\u00e9 de l’\u00e9v\u00e9nement suffit \u00e0 caract\u00e9riser l’al\u00e9a. Sa port\u00e9e est d’emp\u00eacher les assureurs de d\u00e9naturer la notion de faute dolosive pour \u00e9chapper \u00e0 leurs obligations.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d’appel de Lyon, dans un arr\u00eat du 13 janvier 2026, a statu\u00e9 sur le droit \u00e0 indemnisation d’une victime d’un accident survenu dans un commerce familial.<\/p>\n","protected":false},"author":232070755,"featured_media":9515,"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":"69677d64cdc6046d474133c7","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/69677d64cdc6046d474133c7","_kj_judilibre_id":"69677d64cdc6046d474133c7","_kj_jur":"Cour d'appel","_kj_lieu":"Lyon","_kj_chambre":"1\u00e8re chambre civile B","_kj_rg":"24\/02577","_kj_date":"2026-01-13","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-763481","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Lyon, le 13 janvier 2026, n\u00b024\/02577 - 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