{"id":3400,"date":"2012-07-30T10:12:34","date_gmt":"2012-07-30T10:12:34","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=3400"},"modified":"2023-08-25T05:29:27","modified_gmt":"2023-08-25T05:29:27","slug":"insurance-notions-of-business-contract-and-intentional-fault","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/insurance-notions-of-business-contract-and-intentional-fault\/","title":{"rendered":"Insurance: notions of business contract and intentional fault"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=”Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.19.5″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2023\/07\/business-7111764_1280-2.jpg” title_text=”business-7111764_1280-2″ _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

The facts of the case which gave rise to the commented judgment illustrate the well-established case law of the Court of Cassation on the question of the distinction between a contract of enterprise and a contract of sale and on that of intentional fault in the meaning of\u00a0<\/span>Article L. 113-1 of the Insurance Code<\/span><\/a>\u00a0.\u00a0To qualify the contract of sale or the contract of enterprise, the case law refers to the criterion of specificity.\u00a0Is a work rental contract, the contract which relates not to things determined in advance but to specific work intended to meet the particular needs expressed by the principal.\u00a0In this case, the owner of a piece of land had built a detached house there.<\/span><\/h2>\n

Generalized cracks having appeared, he had chosen to proceed with its demolition and then its reconstruction.\u00a0Significant cracks having again been observed, he had assigned the contractor and his insurer for ten-year liability.\u00a0The contractor had called the supplier and the manufacturer of the reinforcement kit as a guarantee.\u00a0His action was dismissed on the grounds that the contract concluded with the supplier was a sales contract.\u00a0Taking up the jurisprudential criteria, the contractor noted that calculations had been necessary to produce the kit with plan, which indicated, according to him, that the characteristics of the product had been determined in advance for the needs of the contracting authority. .<\/span><\/p>\n

For the Court of Appeal, however, the fact that the reinforcement kit was accompanied by a plan was not a sufficient element to qualify.\u00a0There could be no specific work since the supplier had not subcontracted its service to the kit manufacturer.\u00a0The Court of Cassation approves this reasoning.\u00a0The supplier having bought himself, and not had the material specially manufactured, he had only resold this product to the contractor.<\/span><\/p>\n

Article 113-1 of the insurance code provides that the\u00a0<\/span>insurer<\/span><\/a>\u00a0is not liable for losses and damages resulting from an intentional or fraudulent fault on the part of the insured.\u00a0As soon as the occurrence of the damage is certain, this fault has the effect of removing the random nature of the contract.\u00a0It was debated whether it was enough that the insured deliberately committed the fault or whether it was also necessary that he wanted the damage.\u00a0The Court of Cassation considers that within the meaning of this text, the intentional fault which excludes the guarantee of the insurer is that which supposes the will to cause the damage and not only to create the risk.<\/span><\/p>\n

Thus, as developed in the appeal of the commented judgment, the mere awareness on the part of the insured that his voluntary action or omission will have the effect of creating the damage is not sufficient to establish that the insured had the will to cause the damage as it occurred.\u00a0The facts of this case show that the Court of Cassation intends to maintain this strict definition of intentional fault.\u00a0The contractor who had built the foundations had assisted the project owners during the appraisal operations for the first disaster.\u00a0He was therefore aware of the nature of the ground and the need to build specific foundations.\u00a0The Court of Appeal, to deny the guarantee of the insurance company, argued that he was therefore necessarily aware, by carrying out the construction without carrying out the appropriate foundations,\u00a0that the disorders could only recur.\u00a0It was future and certain harm.<\/span><\/p>\n

It is censured by the Court of Cassation on the grounds that this motivation does not characterize the will of the contractor to create the damage as it occurred.<\/span><\/p>\n

 <\/p>\n

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The facts of the case which gave rise to the commented judgment illustrate the well-established case law of the Court of Cassation on the question of the distinction between a contract of enterprise and a contract of sale and on that of intentional fault in the meaning of\u00a0Article L. 113-1 of the Insurance Code\u00a0.\u00a0To qualify […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-3400","post","type-post","status-publish","format-standard","hentry","category-insurance-law"],"yoast_head":"\nInsurance: notions of business contract and intentional fault - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Insurance: notions of business contract and intentional fault The aforementioned case highlights the Court of Cassation's commitment\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gregorydamy.niceavocats.fr\/en\/insurance-notions-of-business-contract-and-intentional-fault\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance: notions of business contract and intentional fault - 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