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une prescription extinctive contrat

une prescription extinctive contrat

En droit des assurances, une prescription extinctive contrat  est régie par l’article L114-1 du code des assurances. On parle de prescription assurance automobile pour rendre compte de la perte du droit à entreprendre toutes actions dérivant d’un contrat d’assurance.

Concrètement, la prescription en assurance automobile signifie que passé un certain délai, l’assuré qui n’aurait pas exercé son droit à réclamer une indemnité à la compagnie d’assurance auto, perd ce droit et ne peut ainsi plus mener d’action en justice contre l’assureur. De la même manière, l’assureur ne peut plus, passé le même délai, poursuivre l’assuré en justice pour obtenir le paiement des cotisations par exemple.

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