{"id":10380,"date":"2021-01-30T19:59:44","date_gmt":"2021-01-30T18:59:44","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=10380"},"modified":"2021-01-30T19:59:48","modified_gmt":"2021-01-30T18:59:48","slug":"reclamation-a-une-compagnie-dassurances-selon-la-loi-espagnole-les-interets-a-payer-par-la-compagnie","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/reclamation-a-une-compagnie-dassurances-selon-la-loi-espagnole-les-interets-a-payer-par-la-compagnie\/","title":{"rendered":"R\u00e9clamation \u00e0 une compagnie d\u2019assurances selon la Loi Espagnole. Les int\u00e9r\u00eats \u00e0 payer par la compagnie."},"content":{"rendered":"\n

Question :<\/h2>\n\n\n\n

\u00a0Cher avocat,<\/em> mon p\u00e8re a sign\u00e9 une assurance vie avec une compagnie d\u2019assurances irlandaise, bien que soumise \u00e0 la loi espagnole. Apr\u00e8s le d\u00e9c\u00e8s de mon p\u00e8re, la compagnie d\u2019assurances est en train de retarder le paiement de l\u2019indemnisation en utilisant toute sorte d\u2019excuses.<\/em><\/p>\n\n\n\n

Pouvons-nous lui exiger le paiement d\u2019int\u00e9r\u00eats por ce retard? Combien?<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

R\u00e9ponse.<\/h2>\n\n\n\n

Cher lecteur, merci pour votre question. <\/p>\n\n\n\n

\u00a0Lorsque nous sommes confront\u00e9s \u00e0 un conflit avec une compagnie d\u2019assurances; qu\u2019elle soit en Espagne ou non, qui doit \u00eatre r\u00e9solu selon la loi espagnole; la premi\u00e8re chose \u00e0 faire avant tout est de v\u00e9rifier et \u00e9tudier, sans n\u00e9gliger aucun d\u00e9tail et avec attention, les conditions g\u00e9n\u00e9rales et particuli\u00e8res du contrat souscrit.<\/p>\n\n\n\n

Par cons\u00e9quent, il est n\u00e9cessaire de r\u00e9viser les conditions de votre contrat. Afin de v\u00e9rifier et vous assurer s\u2019il y a un accord sp\u00e9cifique ou une mention sp\u00e9ciale concernant les d\u00e9lais por:<\/p>\n\n\n\n

.- le paiement des compensations ou indemnisations, <\/p>\n\n\n\n

.-int\u00e9r\u00eats moratoires,<\/p>\n\n\n\n

.- retards, etc.<\/p>\n\n\n\n

 S\u2019il n\u2019y a pas de mention sp\u00e9ciale, vous saurez que normalement les int\u00e9r\u00eats qui sont r\u00e9clam\u00e9s lors d\u2019une action l\u00e9gale ou judiciaire sont ceux qui sont bas\u00e9s sur l\u2019article 1108 du Code Civil espagnol, qui dit que pour les obligations de paiement de somme d\u2019argent, si le d\u00e9biteur prend du retard dans le paiement, l\u2019indemnisation (sauf s\u2019il y a un pacte diff\u00e9rent) sera le paiement des int\u00e9r\u00eats accord\u00e9s, et s\u2019il n\u2019y a rien d\u2019accord\u00e9, le paiement d\u2019int\u00e9r\u00eat l\u00e9gal.<\/p>\n\n\n\n

\u00a0<\/p>\n\n\n\n

Int\u00e9r\u00eats<\/strong><\/h2>\n\n\n\n

Mais vous devez savoir qu\u2019en Espagne,\u00a0selon la Loi 50\/1980, du Contrat d\u2019Assurance, et son article 20, il y a des int\u00e9r\u00eats sp\u00e9cifiques por le cas de r\u00e9clamations d\u2019assurances.<\/strong><\/p>\n\n\n\n

Selon cet article dans les cas comme ceux que vous exposez, par exemple dans le cas d\u2019assurances vie, si l\u2019assureur prend du retard dans l\u2019accomplissement de la prestation, l\u2019indemnisation de dommages et int\u00e9r\u00eats sera celle indiqu\u00e9e dans cet article 20, sauf si les parties ont accord\u00e9 dans leur contrat des clauses qui sont meilleures pour l\u2019assur\u00e9.<\/p>\n\n\n\n

 On consid\u00e8rera qu\u2019il y a un retard lorsque la prestation due n\u2019aura pas \u00e9t\u00e9 respect\u00e9e, dans ce cas le paiement de l\u2019indemnisation pour d\u00e9c\u00e8s, dans le d\u00e9lai de trois mois depuis le moment o\u00f9 le sinistre s\u2019est produit, dans votre cas le d\u00e9c\u00e8s.<\/p>\n\n\n\n

 L\u2019indemnisation pour retard consistera \u00e0 payer un int\u00e9r\u00eat annuel \u00e9gal \u00e0 celui de l\u2019int\u00e9r\u00eat l\u00e9gal de l\u2019argent, augment\u00e9 de 50%. N\u00e9anmoins, pass\u00e9 un d\u00e9lai de deux ans depuis le moment du sinistre (d\u00e9c\u00e8s), l\u2019int\u00e9r\u00eat annuel ne pourra pas \u00eatre inf\u00e9rieur \u00e0 20 por 100.<\/p>\n\n\n\n

 Le calcul des int\u00e9r\u00eats commencera \u00e0 la date du sinistre (dans votre cas, celle du d\u00e9c\u00e8s), bien que si de la part de l\u2019assur\u00e9 ou le b\u00e9n\u00e9ficiaire le devoir de communiquer le sinistre dans le d\u00e9lai fix\u00e9 dans le contrat ou, subsidiairement, dans le d\u00e9lai de sept jours suivants sa connaissance, n\u2019a pas \u00e9t\u00e9 respect\u00e9, les int\u00e9r\u00eats commenceront \u00e0 \u00eatre compt\u00e9s depuis le jour de la communication.<\/p>\n\n\n\n

 La compagnie d\u2019assurances ne devra pas payer d\u2019indemnisation pour retard, lorsque le non-paiement de l\u2019indemnisation sera fond\u00e9e sur une cause justifi\u00e9e ou non imputable \u00e0 cette derni\u00e8re.<\/p>\n\n\n\n

\u00a0Si vous avez un probl\u00e8me avec votre assurance vie, notre cabinet peut vous aider.<\/a> <\/p>\n\n\n\n

 L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal, elle transmet simplement l\u2019information li\u00e9e aux sujets l\u00e9gaux.<\/em><\/p>\n\n\n\n

Facebook.<\/a><\/p>\n\n\n\n

Carlos Baos (Avocat) <\/p>\n\n\n\n

2014<\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9clamation compagnie d\u2019assurances Espagne assurance. […]<\/p>\n

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