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1. La Loi du 16/07/1984
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La garantie individuelle accident
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2 . R e s p o n s a b i l i t c o n t r a c t u e l l e e t o b l i g a t i o n d e m o y e n s
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L a s s u r a n c e d e s c h o s e s
1 . L e s d i f f r e n t s c o n t r a t d a s s u r a n c e
2 . L e s g a r a n t i e s d e b a s e ( i m m e u b l e s , b i e n s m o b i l i e r s
3 . L e s g a r a n t i e s a n n e x e s ( l e s f r a i s d e r e l o g e m e n t , d e d b l a i s e t d e t r a n s p o r t
d e s d c o m b r e s )
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2 . E t e n d u e d e l a g a r a n t i e
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1. La garantie Individuelle Accident
2. La garantie Assistance
3. La garantie Recours Protection Juridique
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Pour que cette responsabilit puisse tre mise en jeu, trois lments doivent tre runis :
Un fait gnrateur (exemple : donner un coup de bton),
Un dommage rparable (exemple : fracture du poignet),
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> 1 . L a R e s p o n s a b i l i t c i v i l e d l i c t u e l l e
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b La Responsabilit du fait personnel (articles 1382 et 1383 du Code Civil)
La Responsabilit du fait des choses (article 1384 alina 1 du Code Civil)
La Responsabilit du fait des personnes dont on doit rpondre (article 1384 alinas 2, 3, 4, 5, 6, du Code Civil)
Responsabilit des parents du fait de leur enfants mineurs,
Responsabilit des commettants du fait de leurs salaris,
Responsabilit des enseignants du fait de leurs lves.
La Responsabilit du fait des animaux (article 1385 du Code Civil) J U 3 U 3 K U 3 U 3 r U 3 3 U 3 3 U 3 C U 3 J
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F 2 . L a R e s p o n s a b i l i t c i v i l e c o n t r a c t u e l l e
L a R e s p o n s a b i l i t C i v i l e c o n t r a c t u e l l e s i l l u s t r e l o r s q u e l e d o m m a g e d o n t f a i t t a t l a v i c t i m e r s u l t e d e l i n e x c u t i o n d u n c o n t r a t p a s s e n t r e l a u t e u r d u d o m m a g e e t l a v i c t i m e ( a r t i c l e 1 1 4 7 d u C o d e C i v i l ) .
L a j u r i s p r u d e n c e d i s t i n g u e l o b l i g a t i o n d e m o y e n s / s c u r i t d e l o b l i g a t i o n d e r s u l t a t .
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\ E n p r a t i q u e : l e s d e u x n o t i o n s d e r e s p o n s a b i l i t c i v i l e e t r e s p o n s a b i l i t p n a l e v o n t c o e x i s t e r l o c c a s i o n d u n m m e v n e m e n t .
L a R e s p o n s a b i l i t P n a l e , c e s t l o b l i g a t i o n p o u r t o u t i n d i v i d u d e s u p p o r t e r l e s p e i n e s e t s a n c t i o n s p r v u e s p a r l e s l o i s e t r g l e m e n t s e n r a i s o n d u n e i n f r a c t i o n ( c o n t r a v e n t i o n , d l i t , c r i m e , & ) .
C o n t r a i r e m e n t a u x c o n s q u e n c e s d e l a r e s p o n s a b i l i t c i v i l e , l e s s a n c t i o n s p n a l e s n e p e u v e n t p a s t r e c o u v e r t e s p a r u n c o n t r a t d a s s u r a n c e ( a m e n d e , p e i n e d e p r i s o n , & ) & 3 @ @ .B2" H
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R d u i r e l e d o m a i n e d e l a r e s p o n s a b i l i t p n a l e d e s p e r s o n n e s p h y s i q u e s e n m a t i r e d i n f r a c t i o n , d i m p r u d e n c e o u d e n g l i g e n c e .
D o n n e r u n e n o u v e l l e d f i n i t i o n d e s d l i t s n o n i n t e n t i o n n e l s e n e x i g e a n t p o u r l a p e r s o n n e p h y s i q u e u n e f a u t e q u a l i f i e e n c a s d e l i e n d e c a u s a l i t i n d i r e c t e e n t r e l a f a u t e e t l e d o m m a g e .
D i s t i n c t i o n d s o r m a i s d e l a u t e u r d i r e c t d e l a u t e u r i n d i r e c t .
A u t e u r d i r e c t :
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r A u t e u r i n d i r e c t :
N o t i o n d e c a u s a l i t i n d i r e c t e :
L e s p e r s o n n e s q u i s a n s a v o i r d i r e c t e m e n t c a u s l e d o m m a g e o n t c r o u c o n t r i b u c r e r l a s i t u a t i o n q u i a p e r m i s s a r a l i s a t i o n .
L e s p e r s o n n e s q u i n o n t p a s p r i s l e s m e s u r e s p e r m e t t a n t d v i t e r l e d o m m a g e .
T o u t e f o i s , i l f a u t q u i l e x i s t e u n e f a u t e d u n e p a r t i c u l i r e g r a v i t p o u r q u e l a r e s p o n s a b i l i t p n a l e d e l a p e r s o n n e p h y s i q u e p u i s s e t r e e n g a g e .
D o u b l e d f i n i t i o n d e l a f a u t e :
F a u t e d e m i s e e n d a n g e r d l i b r e .
F a u t e c a r a c t r i s e e t q u i e x p o s a i t a u t r u i u n r i s q u e d u n e p a r t i c u l i r e g r a v i t q u e l l e n e p o u v a i t i g n o r e r .
D s o r m a i s , l a b s e n c e d e f a u t e a u p n a l n e p r i v e r a p l u s l a v i c t i m e d u n e i n d e m n i s a t i o n f o n d e s u r l a f a u t e c i v i l e . L 2 ( 3 7 ( 3 U 3 7 3 ( 3 7 ( 3 U 3 7 ( 3 U 3 7 r 3 ! q @ @ .B2" H
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0 L e s p e r s o n n e s m o r a l e s p e u v e n t g a l e m e n t e n c o u r i r u n e r e s p o n s a b i l i t p n a l e
C e t t e r e s p o n s a b i l i t p o u r r a t r e e n g a g e u n i q u e m e n t s i l i n f r a c t i o n a t c o m m i s e p o u r l e u r c o m p t e , p a r l e u r s o r g a n e s o u l e u r s r e p r s e n t a n t s .
P o s s i b l e c u m u l d e l a r e s p o n s a b i l i t p n a l e d e l a p e r s o n n e s m o r a l e e t d e l a r e s p o n s a b i l i t p n a l e d e s p e r s o n n e s p h y s i q u e s .
S a n c t i o n s a p p l i c a b l e s a u x p e r s o n n e s m o r a l e s :
A m e n d e s ,
C o n f i s c a t i o n d e c h o s e s ,
P l a c e m e n t s o u s s u r v e i l l a n c e j u d i c i a i r e .
L a s a n c t i o n p e u t a l l e r j u s q u l a d i s s o l u t i o n d f i n i t i v e d e l a c o l l e c t i v i t . x ( 3 7 I ( U 3 7 N ( U 3 7 K 7 @ @ .B2" H
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1 . L a L o i d u 1 6 / 0 7 / 1 9 8 4 a i n s t a u r u n e o b l i g a t i o n d a s s u r a n c e e n R e s p o n s a b i l i t c i v i l e p o u r l e s o r g a n i s a t e u r s ( a r t i c l e 3 7 )
S o n t a s s u j e t t i s c e t t e o b l i g a t i o n d a s s u r a n c e :
L e s g r o u p e m e n t s s p o r t i f s ,
L e s o r g a n i s a t e u r s , a u t r e s q u e l E t a t e t l e s g r o u p e m e n t s s p o r t i f s , d e m a n i f e s t a t i o n s s p o r t i v e s ,
L e s e x p l o i t a n t s d u n t a b l i s s e m e n t s p o r t i f .
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< T e x t e d e r f r e n c e :
L a l o i d u 1 6 / 0 7 / 1 9 8 4 m o d i f i e p a r l a l o i d u 0 6 / 0 7 / 2 0 0 0 , r e l a t i v e l o r g a n i s a t i o n e t l a p r o m o t i o n d e s a c t i v i t s p h y s i q u e s e t s p o r t i v e s . 6 U 3 U 3 @ @ } .B2" H
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2 . L e c o n t e n u d e s o b l i g a t i o n s d a s s u r a n c e
L a g a r a n t i e R e s p o n s a b i l i t C i v i l e d o i t c o u v r i r l a r e s p o n s a b i l i t :
d u g r o u p e m e n t s p o r t i f ,
d e l o r g a n i s a t e u r ,
d e l e u r s p r p o s s ,
d e s p r a t i q u a n t s d e s p o r t s .
L a g a r a n t i e i n d i v i d u e l l e a c c i d e n t ( a r t i c l e 3 8 )
I l a p p a r t i e n t a u x g r o u p e m e n t s s p o r t i f s :
d a t t i r e r l a t t e n t i o n d e l e u r s a d h r e n t s s u r l e u r i n t r t s o u s c r i r e u n e a s s u r a n c e d e p e r s o n n e s ,
d e l e u r p r o p o s e r p l u s i e u r s f o r m u l e s d e g a r a n t i e ,
d e l e u r r e m e t t r e u n e n o t i c e . * 3 G 3 U 3 X 3 U 3 3 U 3 ] U 3 U 3 ) G X 3 * @ @ } .B2" H
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$ 1 . L a t h o r i e d e l a c c e p t a t i o n d e s r i s q u e s
Q u i c o n q u e s e l i v r e u n e a c t i v i t s p o r t i v e a c o n s c i e n c e d e c o u r i r d e s r i s q u e s i n t r i n s q u e m e n t l i s a u x c o n d i t i o n s d e c e s p o r t .
C e t t e n o t i o n n e c o n c e r n e q u e l e s r i s q u e s n o r m a l e m e n t e n c o u r u s .
2 . R e s p o n s a b i l i t c o n t r a c t u e l l e e t o b l i g a t i o n d e m o y e n s
L o r g a n i s a t e u r d u n e a c t i v i t s p o r t i v e n e s t t e n u e n v e r s s e s c o c o n t r a c t a n t s q u e d u n e o b l i g a t i o n d e m o y e n s q u i p e u t s a n a l y s e r c o m m e u n e o b l i g a t i o n d e p r u d e n c e , d e s c u r i t c o n s i s t a n t :
E n l v a l u a t i o n d e s c o n d i t i o n s o b j e c t i v e s d u r i s q u e ,
E n l v a l u a t i o n d e s c a p a c i t s p e r s o n n e l l e s d u p r a t i q u a n t
C o n c r t e m e n t , i l s a g i t p o u r l o r g a n i s a t e u r d e t o u t m e t t r e e n Su v r e p o u r q u e l a c t i v i t s e d r o u l e d a n s d e s c o n d i t i o n s d e s c u r i t o p t i m a l e s . 3 @ 3 < 8 3 3 n 3 U 3 3 U 3 3 * 7 n @ @ .B2" P
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F II. REGLEMENTATION ET RESPONSABILITES EN MATIERE DE RISQUE SPORTIF G G G H
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3 . R e s p o n s a b i l i t l g a r d d e s t i e r s , r e s p o n s a b i l i t e n t r e p a r t i c i p a n t s
P r i n c i p e : l a v i c t i m e d o i t d m o n t r e r u n e f a u t e l o r i g i n e d u d o m m a g e .
C a u s e e x o n r a t o i r e s :
L a f o r c e m a j e u r e ,
L a f a u t e d e l a v i c t i m e ,
L e f a i t d u n t i e r s .
E x t e n s i o n d e l a r e s p o n s a b i l i t d u f a i t d a u t r u i ( a r t . 1 3 8 4 a l . 1 d u C o d e C i v i l ) .
I l s a g i t d i m p u t e r l e s c o n s q u e n c e s d o m m a g e a b l e s d e c e r t a i n e s a c t i v i t s c e u x q u i p r e n n e n t e n c h a r g e l e u r o r g a n i s a t i o n e t c o o r d i n a t i o n .
L e s a s s o c i a t i o n s s p o r t i v e s a y a n t p o u r m i s s i o n d o r g a n i s e r , d e d i r i g e r e t d e c o n t r l e r l a c t i v i t d e l e u r s m e m b r e s a u c o u r s d e s c o m p t i t i o n s s p o r t i v e s a u x q u e l l e s i l s p a r t i c i p e n t s o n t r e s p o n s a b l e s a u s e n s d e l a r t . 1 3 8 4 a l i n a 1 d u C o d e C i v i l , d e s d o m m a g e s q u i l s c a u s e n t c e t t e o c c a s i o n , d s l o r s q u u n e f a u t e c a r a c t r i s e p a r u n e v i o l a t i o n d e s r g l e s d u j e u e s t i m p u t a b l e l u n d e s e s m e m b r e s m m e n o n i d e n t i f i . r 3 3 > 3 U 3 3 U 3 3 I
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L a s s u r a n c e d e s c h o s e s
1 . L e s d i f f r e n t s c o n t r a t s d a s s u r a n c e ( t o u s r i s q u e s s a u f o u p r i l
d n o m m )
2 . L e s g a r a n t i e s d e b a s e
L e c o n t r a t d o i t c o u v r i r t a n t l e s i m m e u b l e s , q u e l e s b i e n s m o b i l i e r s .
3 . L e s g a r a n t i e s a n n e x e s ( l e s f r a i s d e r e l o g e m e n t , d e d b l a i e t t r a n s p o r t d e s
d c o m b r e s )
L a s s u r a n c e d e r e s p o n s a b i l i t
1 . P r o t e c t i o n d u p a t r i m o i n e f i n a n c i e r d e l a s s o c i a t i o n
2 . E t e n d u e d e l a g a r a n t i e U 3 ? 3 v U 3 e O i 9 & @ @ x x B2" H
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L a r e s p o n s a b i l i t d e s d i r i g e a n t s e t m a n d a t a i r e s s o c i a u x
P r i n c i p e : l a s s o c i a t i o n e s t r e s p o n s a b l e d e s d o m m a g e s c a u s s s e s m e m b r e s o u a u x t i e r s p a r s e s a d m i n i s t r a t e u r s a g i s s a n t d a n s l e c a d r e d e l e u r s f o n c t i o n s t e l l e s q u e d f i n i e s p a r l e s s t a t u t s .
I l s r p o n d e n t e n r e v a n c h e p e r s o n n e l l e m e n t d e s f a u t e s c o m m i s e s d a n s l e u r g e s t i o n .
I l s s o n t t e n u s u n e o b l i g a t i o n d e p r u d e n c e e t d e d i l i g e n c e d a n s l e u r s f o n c t i o n s d e g e s t i o n n a i r e .
C a s d e m i s e e n Su v r e :
A c t i o n e n c o m b l e m e n t d e p a s s i f
E x t e n s i o n d e r e d r e s s e m e n t j u d i c i a i r e g a l e m e n t :
S i l e d i r i g e a n t a d i s p o s d e s b i e n s d e l o r g a n i s m e c o m m e d e s e s b i e n s p r o p r e s ,
S i l a f a i t d e s a c t e s d e c o m m e r c e d a n s s o n i n t r t s o u s l e c o u v e r t d e l a s s o c i a t i o n .
3 . C o n t e n u d e l a g a r a n t i e ( p l a f o n d s , f r a n c h i s e s ) \ 8 U 3 U 3 Q 0 U 3 < Z z 0 U 3 F < U 3 1 0 U 3 K A U 3 0 U 3 F < 1 U 3 7 1 1 @ .B2" H
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f 1 . L a g a r a n t i e I n d i v i d u e l l e A c c i d e n t
E n d e h o r s d e t o u t e r e s p o n s a b i l i t , u n a c c i d e n t p e u t e n t r a n e r d e s d o m m a g e s c o r p o r e l s .
I m p o r t a n c e d e l a s o u s c r i p t i o n d u n e g a r a n t i e I n d i v i d u e l l e A c c i d e n t q u i p e r m e t n o t a m m e n t :
L a p r i s e e n c h a r g e d e s f r a i s m d i c a u x , c h i r u r g i c a u x , d e t r a n s p o r t ,
L a p r i s e e n c h a r g e d e s p e r t e s d e r e v e n u s d e s p e r s o n n e s a c t i v e s p e n d a n t l a p r i o d e d i n c a p a c i t d e t r a v a i l r s u l t a n t d e l a c c i d e n t ,
L e v e r s e m e n t d u n c a p i t a l d c s a u x a y a n t s d r o i t ,
L e v e r s e m e n t d u n c a p i t a l c o n t r a c t u e l e n c a s d i n c a p a c i t p e r m a n e n t e p a r t i e l l e .
2 . L a g a r a n t i e A s s i s t a n c e
3 . L a g a r a n t i e R e c o u r s P r o t e c t i o n J u r i d i q u e 3 b 3 H 3 U 3 3 U 3 Q 3 +
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8 Dirigeants, salaris, bnvoles, participants, adhrents 6 9 U 3 8 : 9 @ @ } .B2" H
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$ TITRE DE LA PAGE MAIF 00131n 61 Microsoft PowerPoint @ F-: @ @ yG2@ p^*: s G S g ) ' """ ))) UUU MMM BBB 999 | PP 3 f 3 33 f3 3 3 3 f 3f ff f f f 3 f ̙ 3 f f 3 3 3 f 3 3 3 3 33 333 f33 33 33 33 f3 3f3 ff3 f3 f3 f3 3 33 f3 3 ̙3 3 3 33 f3 3 3 3 33 f3 3 3 3 f 3 f f f f f f 3f 33f f3f 3f 3f 3f ff 3ff fff ff ff f 3f ff f ̙f f f 3f f f f f 3f f f 3 33 f 3 f 3f f3 f f 3 3 f ̙ ̙ 3̙ ff ̙ ̙ ̙ 3 f̙ 3 f 3 33 f3 3 3 3 f 3f ff f f f 3 f ̙ 3 f 3 f 3 f 3 33 f3 3 3 3 f 3f ff f f f 3 f ̙ 3 f 3 f ff ff f ff f f ! ___ www ; C : \ 4 ' A x ( x K ʦ """ ))) UUU MMM BBB 999 | PP 3 f 3 33 3f 3 3 3 f f3 ff f f f 3 f 3 f ̙ f 3 3 3 3 f 3 3 3 33 333 33f 33 33 33 3f 3f3 3ff 3f 3f 3f 3 33 3f 3 3 3 3 33 3f 3̙ 3 3 33 3f 3 3 3 f f 3 f f f f f f3 f33 f3f f3 f3 f3 ff ff3 fff ff ff f f3 ff f f f f f3 f̙ f f f f3 f f 3 33 f 3 f f3 3f f f 3 3 f 3 ff ̙ 3 f 3 f 3 33 3f 3 3 3 f f3 ff f f f ̙ ̙3 ̙f ̙ ̙ ̙ 3 f ̙ 3 f 3 f 3 33 3f 3 3 3 f f3 ff f f f 3 f 3 f ̙ 3 f ff ff f ff f f ! ___ www ###########################################################################################################################################################################################################################################################################################################################################>D>D>D>D>D>D>D>D>D>D>D>D>D>DDnhDnnnDD>D>DDnnnnD D>D>D>D D>D>D>D D>D>D>D D>nnnnnhnhD > >>DDn>>D >>D >>D >>D >>D >>D >>D >>nnnnDnhDnnnDhDD>DnD>D>E>D>D>D>E>D>D>D>E>D>D>D>Enhnnnh > D > D > D > D > D > D > D > nDnnDnnD> > > DD>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>>hh> D>D>D>D >D >>D >>D >>D >>D >>D >>D >>D >>D >>>n >>D>E>D>D>D>E>D>D>D>E>D>D>D>E>D>D>D>E>D>D>Dh>D>E>Dn > > > D > > > D > > > D > > > D > >> DDD D > DD>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>DDhn>DDhD>D>D>>D >>D >>D >>D >>D >>D >>D >>D >>D D>> hD>>>D >>D >>D>D>E>D>D>D>E>D>D>D>E>D>D>D>E>D>D>D>nDDDn>DD>D>D>D>Dn > D > D > D > D > D > D > D > D > >nn nD>Dn > D > D >D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>D>h>Dnn>D>D>D>D>D>D n>D >>D >>D >>D >>D >>D >>D >>D >>D > D D>D >>D >>D >>D E>D>D>D>E>D>D>D>E>D>D>D>E>D>D>D>E>D>D>D>D>D>D>D>E>D>D>DD ՜. +,0
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