{"id":682120,"date":"2026-04-25T17:15:26","date_gmt":"2026-04-25T15:15:26","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-draguignan-le-6-janvier-2025-n24-04556\/"},"modified":"2026-04-25T17:15:26","modified_gmt":"2026-04-25T15:15:26","slug":"tribunal-judiciaire-de-draguignan-le-6-janvier-2025-n24-04556","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/tribunal-judiciaire-de-draguignan-le-6-janvier-2025-n24-04556\/","title":{"rendered":"Tribunal judiciaire de Draguignan, le 6 janvier 2025, n\u00b024\/04556"},"content":{"rendered":"
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Le tribunal judiciaire de Draguignan, statuant le 6 janvier 2025, se prononce sur l’indemnisation d’une victime d’un accident de la circulation survenu le 1er juin 2020. La proc\u00e9dure oppose la victime \u00e0 l’assureur du responsable. Le juge doit \u00e9valuer les pr\u00e9judices extra-patrimoniaux et statuer sur l’application de la p\u00e9nalit\u00e9 pour retard d’offre d’indemnisation. La solution retenue indemnise plusieurs postes de pr\u00e9judice mais rejette la demande au titre du pr\u00e9judice d’agr\u00e9ment. L’assureur est condamn\u00e9 au paiement d’int\u00e9r\u00eats major\u00e9s pour d\u00e9faut d’offre dans les d\u00e9lais l\u00e9gaux.<\/p>\n

La caract\u00e9risation rigoureuse du pr\u00e9judice d’agr\u00e9ment<\/p>\n

La d\u00e9finition restrictive du pr\u00e9judice indemnisable. Le tribunal rappelle que ce pr\u00e9judice vise exclusivement la r\u00e9paration de l’impossibilit\u00e9 de pratiquer une activit\u00e9 sp\u00e9cifique. “Le pr\u00e9judice d’agr\u00e9ment vise exclusivement \u00e0 r\u00e9parer le pr\u00e9judice li\u00e9 \u00e0 l’impossibilit\u00e9 pour la victime de pratiquer r\u00e9guli\u00e8rement une activit\u00e9 sp\u00e9cifique, sportive ou de loisirs.” (D\u00e9cision \u00e0 commenter) Cette d\u00e9finition stricte circonscrit son champ d’application aux activit\u00e9s r\u00e9guli\u00e8res et identifi\u00e9es. Elle exclut ainsi une indemnisation pour de simples d\u00e9sagr\u00e9ments ou loisirs non structur\u00e9s. La port\u00e9e de cette pr\u00e9cision est d’\u00e9viter une extension indue de ce poste de pr\u00e9judice.<\/p>\n

L’exigence probatoire \u00e9lev\u00e9e pour la victime. La d\u00e9cision souligne la n\u00e9cessit\u00e9 pour la demanderesse de justifier de la pratique ant\u00e9rieure de l’activit\u00e9. “Il appartient \u00e0 la victime de justifier de la pratique de ces activit\u00e9s (licences sportives, adh\u00e9sions d’associations, attestations\u2026) et de l’\u00e9voquer aupr\u00e8s du m\u00e9decin expert.” (D\u00e9cision \u00e0 commenter) Cette exigence est renforc\u00e9e par le constat d’un d\u00e9faut de preuve dans le dossier. “Aucune pi\u00e8ce justificative venant corroborer les affirmations de la demanderesse ne sont vers\u00e9es aux d\u00e9bats.” (D\u00e9cision \u00e0 commenter) Cette rigueur probatoire rejoint la jurisprudence existante. “L\u2019indemnisation d\u2019un pr\u00e9judice d\u2019agr\u00e9ment suppose que soit rapport\u00e9e la preuve de l\u2019impossibilit\u00e9 pour la victime de continuer \u00e0 pratiquer une activit\u00e9 sp\u00e9cifique sportive ou de loisirs.” (Tribunal judiciaire de Rouen, le 11 juillet 2025, n\u00b020\/00473) La valeur de cette exigence est de lier l’indemnisation \u00e0 une perte objectivement \u00e9tablie.<\/p>\n

La sanction du d\u00e9faut d’offre d’indemnisation dans les d\u00e9lais<\/p>\n

Les conditions d’application de la p\u00e9nalit\u00e9 l\u00e9gale. Le tribunal applique l’article L. 211-13 du code des assurances en raison de l’absence d’offre provisionnelle. “La compagnie d’assurance MACIF n’a pas adress\u00e9 d’offre provisionnelle dans le d\u00e9lai maximum de huit mois \u00e0 compter de l’accident.” (D\u00e9cision \u00e0 commenter) Le point de d\u00e9part de la sanction est fix\u00e9 \u00e0 l’expiration de ce d\u00e9lai l\u00e9gal. “Le doublement du taux d’int\u00e9r\u00eat l\u00e9gal sera d\u00fb \u00e0 compter de l’expiration du d\u00e9lai pr\u00e9vu par le code, soit le 1er f\u00e9vrier 2021.” (D\u00e9cision \u00e0 commenter) Cette application stricte a pour sens d’inciter les assureurs \u00e0 respecter les d\u00e9lais l\u00e9gaux d’indemnisation des victimes. Elle garantit une proc\u00e9dure rapide et efficace de r\u00e9paration.<\/p>\n

Les modalit\u00e9s de calcul et d’interruption de la sanction. La d\u00e9cision pr\u00e9cise qu’une offre post\u00e9rieure suffisante interrompt le cours des int\u00e9r\u00eats major\u00e9s. “Une offre suffisante faite post\u00e9rieurement peut valablement interrompre le doublement des int\u00e9r\u00eats.” (D\u00e9cision \u00e0 commenter) En l’esp\u00e8ce, l’offre d\u00e9finitive d\u00e9pos\u00e9e en conclusions est jug\u00e9e compl\u00e8te et \u00e9gale au montant allou\u00e9. Elle fixe aussi l’assiette des int\u00e9r\u00eats avant imputation des cr\u00e9ances sociales. “L’assiette des int\u00e9r\u00eats major\u00e9s est constitu\u00e9e par les indemnit\u00e9s propos\u00e9es par l’assurances \u00e0 la victime \u00e0 titre de dommages et int\u00e9r\u00eats, avant imputation de la cr\u00e9ance des organismes sociaux.” (D\u00e9cision \u00e0 commenter) La port\u00e9e de ces pr\u00e9cisions est d’encadrer strictement le r\u00e9gime de la p\u00e9nalit\u00e9. Elle assure une r\u00e9paration effective du pr\u00e9judice li\u00e9 au retard sans cr\u00e9er d’enrichissement injustifi\u00e9.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le tribunal judiciaire de Draguignan, statuant le 6 janvier 2025, se prononce sur l’indemnisation d’une victime d’un accident de la circulation survenu le 1e…<\/p>\n","protected":false},"author":232070755,"featured_media":9609,"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":"68cc6bc99da36895046ab9a6","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68cc6bc99da36895046ab9a6","_kj_judilibre_id":"68cc6bc99da36895046ab9a6","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de Toulon","_kj_chambre":"2\u00e8me Chambre","_kj_rg":"24\/04556","_kj_date":"2025-09-18","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-682120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nTribunal judiciaire de Draguignan, le 6 janvier 2025, n\u00b024\/04556 - 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