{"id":21656,"date":"2021-05-26T15:31:00","date_gmt":"2021-05-26T13:31:00","guid":{"rendered":"https:\/\/avoloi.eu\/blog\/?p=21656"},"modified":"2021-05-26T15:31:00","modified_gmt":"2021-05-26T13:31:00","slug":"assurance-responsabilite-civile","status":"publish","type":"post","link":"https:\/\/avoloi.fr\/blog\/assurance-responsabilite-civile\/","title":{"rendered":"Dans quels cas souscrire une assurance responsabilit\u00e9 civile ?"},"content":{"rendered":"<p>La responsabilit\u00e9 civile est une clause bien connue dans plusieurs types de contrats d&rsquo;assurance mais on ne sait pas toujours ce qu&rsquo;elle englobe et qui elle prot\u00e8ge en cas de sinistre. Obligatoire pour certaines assurances, elle peut \u00eatre recommand\u00e9e pour d&rsquo;autres contrats qui ne la pr\u00e9voient pas. Dans d&rsquo;autres cas, elle est inutile. Pour \u00e9viter les surco\u00fbts, il convient de bien conna\u00eetre ses diff\u00e9rents contrats et ce qu&rsquo;ils couvrent.<\/p>\n<h2><strong>Quelle est l&rsquo;utilit\u00e9 de l&rsquo;assurance responsabilit\u00e9 civile ?<\/strong><\/h2>\n<p>L&rsquo;<a href=\"https:\/\/avoloi.eu\/blog\/tag\/assurance\/\">assurance<\/a> responsabilit\u00e9 civile, aussi appel\u00e9e RC, permet de prendre en charge tout dommage caus\u00e9 par une personne \u00e0 un tiers. Il peut s&rsquo;agir d&rsquo;un dommage corporel, mat\u00e9riel ou immat\u00e9riel. Pour certains contrats d&rsquo;assurance, il s&rsquo;agit d&rsquo;une garantie minimum, elle y est obligatoire.<\/p>\n<p>En cas de sinistre, la responsabilit\u00e9 civile permet d&rsquo;indemniser la personne tierce qui a \u00e9t\u00e9 victime du dommage, que le sinistre ait eu lieu par n\u00e9gligence ou par simple imprudence. La loi pr\u00e9voit que toute personne causant un tort a la charge de le r\u00e9parer et dans ce cas, l&rsquo;assurance se substitue \u00e0 l&rsquo;assur\u00e9 pour r\u00e9parer les dommages.<\/p>\n<h2><strong>Dans quels cas \u00eates-vous responsable des dommages caus\u00e9s \u00e0 autrui ?<\/strong><\/h2>\n<p>Peu importe le sinistre concern\u00e9, le Code Civil pr\u00e9voit que vous \u00eates responsables des <a href=\"https:\/\/avoloi.eu\/blog\/tag\/dommage\/\">dommage<\/a>s caus\u00e9s par :<\/p>\n<ul>\n<li>vous-m\u00eame, par imprudence ou n\u00e9gligence ;<\/li>\n<li>les membres de votre famille vivant dans votre foyer (cela inclut les enfants \u00e0 charge et les ascendants vivant sous votre toit) ;<\/li>\n<li>vos animaux de compagnie ou ceux que vous avez sous votre responsabilit\u00e9, m\u00eame temporairement ;<\/li>\n<li>les employ\u00e9s de maison (assistante maternelle, baby-sitter, femme de m\u00e9nage) ;<\/li>\n<li>les objets qui ont caus\u00e9 le tort, m\u00eame s&rsquo;ils ont \u00e9t\u00e9 lou\u00e9s ou emprunt\u00e9s ;<\/li>\n<li>un vice de construction ou d\u00e9faut d&rsquo;entretien d&rsquo;un logement dont vous \u00eates propri\u00e9taire, m\u00eame s&rsquo;il est lou\u00e9.<\/li>\n<\/ul>\n<h2><strong>Ce que la responsabilit\u00e9 civile ne prend pas en charge<\/strong><\/h2>\n<p>L&rsquo;assurance responsabilit\u00e9 civile peut prendre en charge les dommages caus\u00e9s \u00e0 autrui mais il existe des exclusions de garantie pr\u00e9vues par la loi. Ces exclusions concernent tous les dommages :<\/p>\n<ul>\n<li>r\u00e9sultant d&rsquo;une faute intentionnelle ;<\/li>\n<li>caus\u00e9s par des chiens class\u00e9s comme dangereux (sauf en cas d&rsquo;extension de garantie) ;<\/li>\n<li>des v\u00e9hicules \u00e0 moteur (dans le cas d&rsquo;une responsabilit\u00e9 civile priv\u00e9e) ;<\/li>\n<li>caus\u00e9s \u00e0 vous-m\u00eame ou \u00e0 vos proches au sein du logement ;<\/li>\n<li>r\u00e9sultant de l&rsquo;exercice d&rsquo;une activit\u00e9 professionnelle.<\/li>\n<\/ul>\n<p>Un sinistre \u00e9tant survenu dans le cadre d&rsquo;une activit\u00e9 professionnelle est couvert par un autre type d&rsquo;assurance responsabilit\u00e9 civile. Si vous exercez votre emploi \u00e0 domicile de fa\u00e7on permanente, il est n\u00e9cessaire de souscrire \u00e0 un contrat professionnel \u00e0 part enti\u00e8re pour \u00e9viter tout probl\u00e8me. Les extensions de garantie pour motif professionnel ne fonctionnent pas sur un contrat d&rsquo;assurance priv\u00e9.<\/p>\n<h2><strong>Dans quels contrats trouve-t-on la clause ?<\/strong><\/h2>\n<p>Certains contrats doivent obligatoirement faire figurer une clause de responsabilit\u00e9 civile. C&rsquo;est par exemple le cas de l&rsquo;assurance habitation mais pas seulement. L\u2019article L321-1 du Code de la route mais aussi le L211-1 du Code des assurances pr\u00e9voient que tout v\u00e9hicule motoris\u00e9 doit obligatoirement \u00eatre assur\u00e9 et que le contrat doit pr\u00e9voir une garantie de responsabilit\u00e9 civile (ou assurance au tiers).<\/p>\n<h3><strong>L&rsquo;assurance habitation<\/strong><\/h3>\n<p>La responsabilit\u00e9 civile fait partie des garanties minimales dans une assurance multirisques habitation. Elle couvre g\u00e9n\u00e9ralement les dommages caus\u00e9s par vous-m\u00eame et vos ayants-droits mais aussi vos animaux de compagnie mais aussi par les employ\u00e9s de maison. Cette assurance est valable pour des d\u00e9g\u00e2ts caus\u00e9s sur des biens meubles ou immeubles.<\/p>\n<h3><strong>L&rsquo;assurance automobile<\/strong><\/h3>\n<p>Pour une <a href=\"https:\/\/avoloi.eu\/blog\/tag\/assurance-automobile\/\">assurance automobile<\/a>, la responsabilit\u00e9 civile est appel\u00e9e assurance au tiers et fait partie des garanties minimales. Elle permet de couvrir les dommages caus\u00e9s \u00e0 :<\/p>\n<ul>\n<li>tous les usagers de la route (incluant les autres conducteurs ou encore les passagers de tous les v\u00e9hicules concern\u00e9s par le sinistre) ;<\/li>\n<li>les pi\u00e9tons et cyclistes ;<\/li>\n<li>les propri\u00e9taires de biens qui auraient \u00e9t\u00e9 endommag\u00e9s suite \u00e0 un accident de la circulation.<\/li>\n<\/ul>\n<h3><strong>L&rsquo;assurance moto\/scooter<\/strong><\/h3>\n<p>L&rsquo;assurance pour les v\u00e9hicules motoris\u00e9s de type moto ou scooter comprend g\u00e9n\u00e9ralement les m\u00eames garanties qu&rsquo;une assurance automobile. Il faut toutefois v\u00e9rifier quelles sont les personnes couvertes par les garanties avant de signer un contrat.<\/p>\n<h2><strong>Dans quels cas souscrire une clause compl\u00e9mentaire ?<\/strong><\/h2>\n<p>Il est conseill\u00e9 de porter une attention particuli\u00e8re aux contrats d&rsquo;assurance incluant une clause de responsabilit\u00e9 civile et de v\u00e9rifier quelles sont les personnes qui sont couvertes en cas de sinistre. Par ailleurs, il est imp\u00e9ratif que l&rsquo;ensemble des personnes du foyer soit couvert par la clause RC.<br>Il vous sera \u00e9galement possible de ren\u00e9gocier ou changer de contrat d&rsquo;assurance en fonction des garanties suivantes :<\/p>\n<ul>\n<li>la franchise \u00e0 payer selon le sinistre concern\u00e9 ;<\/li>\n<li>les plafonds de garantie selon les dommages caus\u00e9s ;<\/li>\n<li>les exclusions de garantie autres que celles pr\u00e9vues par la loi.<\/li>\n<\/ul>\n<p><em>Image : <a href=\"https:\/\/unsplash.com\/@noahdavis?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Noah N\u00e4f<\/a>&nbsp;sur&nbsp;<a href=\"https:\/\/unsplash.com\/s\/photos\/umbrella?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Unsplash<\/a><\/em><\/p>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La responsabilit\u00e9 civile est bien connue dans plusieurs contrats d&rsquo;assurance, mais on ne sait pas toujours ce qu&rsquo;elle englobe &#8230; <\/p>\n","protected":false},"author":2,"featured_media":22629,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[280],"tags":[101,399,515,533,160,73,747,220,668,748],"class_list":["post-21656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-des-assurances","tag-assurance","tag-assurance-automobile","tag-assurance-habitation","tag-dommage","tag-dommages-interets","tag-exclusion","tag-franchise","tag-responsabilite","tag-responsabilite-civile","tag-sinistre"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dans quels cas souscrire une assurance responsabilit\u00e9 civile ?<\/title>\n<meta name=\"description\" content=\"Qu&#039;est-ce que l&#039;assurance de responsabilit\u00e9 civile ? 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