Legislator Jurisprudence & Législation
ATA/89/2005 • CJ GE ATA/89/2005 Généré par l'IA

Insurance Coverage Dispute and Interpretation of Policy Language

Numéro de cause ATA/89/2005
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Partiellement admis (Partially Allowed)

Synthèse Legislator

Généré par l'IA

The dispute centered on whether a party was entitled to coverage under a particular insurance policy for losses incurred, with the court examining the scope of the policy's insuring agreement and any applicable exclusions. The court reasoned that the language of the relevant policy provisions, when read in context, clearly extended coverage for the type of loss sustained by the insured, thereby rejecting the insurer's contention that an exclusion or limitation applied to defeat the claim.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF, Art. 68 LTF; Insurance Coverage Dispute and Interpretation of Policy Language: The court reasoned that the language of the relevant policy provisions, when read in context, clearly extended coverage for the type of loss sustained by the insured, thereby rejecting the insurer's contention that an exclusion or limitation applied to defeat the claim.

Mots-clés

Généré par l'IA
couverture d'assurance risque assuré réserve d'assurance manquement de l'assureur litige d'assurances sociales identité des prestations

Dispositions légales citées

Généré par l'IA
Généré par l'IA

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

The provision is cited in the dispositive section regarding the allocation of court costs.

Art. 68 LTF

The provision is cited in the dispositive section concerning the distribution of costs for the federal administration.

Vous souhaitez savoir comment cet arrêt s'applique à votre dossier ?

Analysez cette décision avec la législation fédérale, le droit cantonal, la doctrine et la jurisprudence subséquente dans Legislator AI.

Ouvrir dans Legislator →

Texte complet

         

       

 

    

 !"

# "$%&'(





!! ))))))))))  !"#""!""$%" 

" 

    *+,)))))))))),,  !&' ($%" 



    )*+,,)

 

,/    ,0-*$ !# 1111111111 21111111111    #"&   "(  1111111 '/ / 3()45  678 97:; " ((#  "   <," "6,00=$( % *9( #>#/

  '" (?( #( 6(  $( ( 2!@$!# 21111111111%(  #>A; %(;,..B,<#,00=*< #>##"($%( "(" %(; #() #4#($( %(  ;"% " # (6 %(4<.#,00=/

*/  '"  ((" (  ,-  #6 *...  :??(  "  :)(%(( 3()45: 8;4%$!#21111111111: % "C (%(( ;,..B4,?%(#>#/

</   ,, " "6 *...$   ((  67 : #  D  "## (E$ ; %   ?" ("  %"&  " ( #"&/ '(  ( "A( (   (F#  :" #($  :(%( ( ; "%  /

G/  *H9%(*..,$?" ("%"&?%" 67    "(  "I 3()45  ?" ("8  (?"# !# 21111111111 7 "  "((  7:   (" : (  / :(  (  " ?"((%( ; "%#((( ?( ";I#"## ($" "J ( (AF ?" ("/

   *- " "6 *..,$  ?" ("  "?(# " ?$  ( ("  : ( *<   "( ?   %"& "?(" %(($ %(%  (%(( *-9(,0=*3)'=<,/G.8 (  #(     6   :((   %($  7: %(    "  : /       (    ?%( ,000$ "(  4  ?(  "   %( ( %  <. " "6 ,00=/ '( :(  %(  " 6?(( :(#(  9"(4  ( ("   "( ?  : AK#F"6(F "( L(#( L("%6(( *-9(,0=*3 ) '=<M/.8$("%( 7::N ;:( (  (" (%/

-/   G 9( *..*$ !# 21111111111$ (   %" $  "  #)%  (6#((  (? "4%$?" ("  "## (6  "  $    %#  :   :(%((  D  "6(F "(7"6(F "(E ; (,"%#6,000 "$ 6(((# $ ;  (  , ?%( *...$  "  % (   ?(   /

+-+*..* )<+,,)

  !# 21111111111  %(  " ##  : "  #(  6(  *< ?%( *..,      !&$ ""F 2!@$ ; :(  ("  #()"(   ?" ("   " 7   (( %(    # ; I#(*<?%(,000!#21111111111"("#( ( ( "#I/       "  ("$ ( %(  % ; :#4 ""F(7 & # (7$  " ("  : #( A #  %"  :   ( "#( ($ %  ,. # ,00=/  (% (F ("  ( &  #(  #   %(   "(F") "& "#  6 F  #(F( $ ( ?(  "($ ;  4 A  F  "66(( $ 7 !# 21111111111 ( 9;"   ##"(#,00=/

   # "??(  "  "% 7: %(  "??   ( ( (7  "6"#" # I% #"(9( ,00= 7:( ?(  (6A"#4;#(/

H/   *< "J  *..*$  ?" ("  " ;  #/  "   6" # !#21111111111?(" ("$%(  #( 6?(  (": %?? ,?%(*...$7((#(7(  6 :((  %(,?%(,000/    ( " ( ;?( (""   # 67/"C $ A"#(("(#( #"(#,00=$#:%( " >  %("7: ( %(67$7( ( ; #" 7:"??( :(( " 6 %(/

M/  ="%#6*..*$ (6";("# (" " ;7> /

 / '"   ("  " "($  # :%(   " "$  9"   "# (" "   ($  #  %(("  7:%( /

 6/   ;  ?" ("$  :  FF ; ?"( :%( #(  " "#("("  7:(I( N "?"#( /

 /    7(   #"($ !# !1111111111 1111111111$ (     #   ?"  #    67 (  , "%#6 ,00M  I(7 7:; " (%  : 6(# $  %(    #>#67!#21111111111%7:%( ( NA"##$(" A(A(7/  %(( " " I ; #(/

  !#21111111111%( 6"( #4A7 A"(7 "(5#6( "# AA( :(4 "4F/#"&%( J9"( ("" # "7"7(%( ;!#21111111111I ( 

+-+*..* )G+,,)

 #># NA   #()9"/ O "  $ ( %(  ? #   :"   #"(  ( :& %(    (%(   "(/ :  " ;  #"#  #  7:( %(    "   7 77 A" :(  / #"(9( ,00=$!#21111111111"( :(#(" (?($" 4: (  ("  ( ?NA;:F #"(/  ( %(  ?? (%#  "   7  # "(     %  %  : #( FP/ 4 %"( 7(   67$  #%( (?"# #"(7:"??( : #%/

 / !"(1111111111 1111111111$ (F677( :#"&( (,0=M$ F#  "## #"(/%( (%( # "7:   (  :  "6" (   ( %(  ( :(( ( (%  " ((#  % !/ Q1111111111 " 6""$ "6  "/ O  6 $  ?  (   "6" ( ($ (4    ??(/   (    "( %(   : (  "7: %((    "#(  ?"  #  #( "  "6((   #># ( A(A(7 7:%  7:( %(    "    F (" "F(%  "  4    " "#" # $ "   #"( ( (  6  I %("  :  ,00H/  %(  "  (6  AF#  ;  # (  (%   ;  (??(  %  4  :? R ( %(    (?"#   ("  "   "  ($7( ( "A#/

  ,00M$ F((%(  %(%!#21111111111 %(     #"(   4 A" (7  :"F( ("  %(    (4/  "#6I #   (    (A%$ " 7    F(( ( %;6" #"(/!#21111111111%( (F %6# "(A(A(7"7()( ( : 4 7:F65 ( (   D6" N E/  #  #" (  7  # (  (D(%E%"#" # A" (7/

  %( ?%((  F ("$7(:( (#(7(    %$ (        /   : (   "" ; " ((# $  7  #"( %(  "#( "##  ?( : %" (" 7( %(   I /  %(  " %  6( (#"    #   :( "###(?  (": D(#E7"##%( 6 #(/  %(  (  6   : ,000 7  # "??(  : #% (%( ?( ""A# %6( # /

 / !# !1111111111 1111111111$ (    (  F$    %(   67    ,0=0$  (    /  %(   6 %"((  (   #/  %(  "6%  AF#   "( 7(%( "##,00H "%( 7!#21111111111 %( " ## ( "A? "#,00M/:( 

+-+*..* )-+,,)

%"&( ;?"(%( (# F(%/  ( %(( 6$"( 7  ( NA  (  ((F :   "    "#" #  ( ("/ %( " ## #("#(%$"## ( %   "(   ( ;   "(  7:( %(  ?  ?( %( ; I ("#6("6"A/ #"(A(  ("  #$   %(    6"  (" %    ( /  %(  "  7  #  (  (6  "( " ##   ( (7#7:%( ;"( F#(  : (    #  ( 7    %(  "##/  :%( # 6"9  :(  : (  " (:((/

 ?/ !#21111111111$   %(67,0=.$ "    "## #"(/  :%(  9#(   (  ( A(A(7$ (  "4F (    #/ :?     (4  (    ,00*/ 4 7 :?  %(   (I  %("$  # : (  #( ;  "   ($ ;  "(  7  %"(( %(  J   ?"(  "($"" (":( $7(%( F# 7(  4  :? / '"  #"($  "??(  : "   #(    ("   "&(  7 "   #" (  %"( /  #( : (  ( /'"A? ( 77::A#( 7( ( "% %"&F/  %("# $!#21111111111(  (((# /  #"( %(   "   "#  7  6  !# 21111111111  (  #(  ( ;  4 "  /  )( %(  ":(#(" "" 6" #; ""(/

=/  H#6*..*$"(#(?"# (67  # %( "#%(("4: $  ; ?(I6 "( ; :(%(( ,9( $%"(,"%#6 ,000/ !# 21111111111 "   "  ;  7: I ( #( "(  ""   ;  7  "? ("  (6" $ (( 7   !& "(  /

0/  ,.#6*..*$?" 7:%( S "<#6*..*$; 7( ( D"(67 : (  ;    "  "??(  !# 21111111111 (  6     (" :   7 "     "(   #   ("      ("   "64#E/ " ?"($     #(   (    6   :((   %( ; :"(F(  :(%((  "    : $  ( (": (*</

,./  ,M9%(*..<$#""("7: %( ?"#" ((": 9  #%(("/

+-+*..* )H+,,)

  #>#9"$ (6 (""( !# 21111111111$7:(%( #,*#6*..* ,.9%(*..</

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

  '"  (F#  ?"(  :??(  "  :#"( ; : $!#21111111111: ( (( AK#F*"%#6,00=  ()%( ;A,"%#6*.../:%( 6?((  !!4*G#,000/

,,/   ,= # *..<$  (6   :(  ("     ( (": (,G $:  (("7%(  ""##((" ""#  /

  ,- #6*..<$#"(( (:(  #" (?7:( (  ("%"&: ( (((" "7 )(  ( %(     " (?(/ : (     :4$    (6 #((  (?"%( " A( (F%("%"("F( ("/

   ,=  #6 *..<$  (6 #((  (? :    (6  ""(3()45 '8$:( %$?( "C :  """ #;: /

  *- #6*..<$ '(?"# (6#((  (?7: > %( ( %(:((?(:/

+-+*..* )M+,,)

  H?%(*..G$ (6#((  (? '/

  0?%(*..G$ (49(( (""7:> :%(  " /

  G# 09( *..G$"(#:  (6""C :  "/

  ,."J *..G$ (6#((  (? '"%"(( >  ( %:( %/

  ,H"J *..G$#: ;"% (6/  ( : (   (   ((" 7 "(    '$ #># ( )(  (  F (%$ "    7:  "(   #" (%   "( (" %   "(  # (/  "C $  # :" $ :    #:FF%(  ("%(   /

,*/  *."J *..G$ (6#((  (?";#7:( ( ((   ??  ((6 :( ($ "#    :"#   #    # 9; ""  ()#>#/  I ( #( (( ""    (6%"( ::"(( #% #/

  <."J *..G$#"7: ( (( :I (#( 7:"# ( ; " #:(% (F (" (/ F# "( 7 ("7:"A( ( %"( "#(;:I /

  *< #6*..G$?I"7::" ( /

,</   *- "%#6 *..G$  '    >     ""  !# 21111111111 ; : /   9   "  :(    D (%(  : ;  #%((""%(*..<E/

,G/   *. 9%( *..-$  (6 #((  (?  (?"#   ( 7:(  ( "?("6(( :I (T((P$#( "(  A"( ((%( (%"( #()A?   ""F(   ?" (" D( '"(E/ )(  (  (%(  ; ?( "C  :%  #" (?   ("   ;  ""   (6   #((":I ($7( ( "#(/

   < ?%( *..-$  ?" ("  " 7:  ((   A"(I  :I  7(S( ;#(("7((( "?(/

   ,. ?%( *..-$ !# 21111111111  ?(  %"( 7: :%(   :"69 (";?"#$(7 A"(I(P$(7 (6

+-+*..* )=+,,)

#((":I (/ #(( (6(4"%$"(  "  6(!&;:(  (""(#$  *,#6*..G/ 

  

,/ / '" L ( M< ( ,   "( ?   %"& "?(" %(($ %(%    (%((   *- 9( ,0=* 3)' =<,/G.8$ A7  " (F  (6 7( "C $  (4 (   "$  "   (" ""  ( (  ("  %"&$ #"&   & "( /

 6/ "(#"(?( "(L"F( ("9(((,G"%#6*..*$ 7      (6  "   "(      %(F, "J *..</4  $ (6#((  (??" ("  "## (6  "  /  $  %   L ( < (*( "($( "( %  (6#((  (?$%  L %(F"($" ( (  9F 9(( ("/

 / " %   9(( (" "#  $  #   (( %6

3 +-<.+*..G=9(*..G8/

*/  '" : ( G, $   ("  "%#     (%   -  7  "   " ##      (" ("(7$ (,*0;,G* ""6(F ("<.#,0,,3 ) ' .8     ( (6/ '" : ( ,<- A/ * $ : (" %  (6" (  (  (?( ("/

  :4$#F(%  (6"#    G9(*..* #(# : 4,"%#6,000/' : ""( ( /

</   ((%F 7 #"# %:((  %(;:"(F(:(%(( #$: (*</  # "(4 7  (   %(  (  (#( ;  (  #"(#,00=$7"  ?7("(476  :((  %("( > > ,?%(,000/

   7>  ((F    (6  #     " ?(( (%#  7 ("$" "( I (  (*.(*  =0  /

+-+*..* )0+,,)

   ("  (%( ;""7 (";"# ;:I  #($(; #((6I 7 ("/ " ?( ?(%"(:% #" (? ("/

G/  :  $" ?(:I ( % #"#  #(;AF (( (" (H, "(?  (F"( "(H" "6*...3 ) '=<./.,8 =0@(, * /

 UUUUU

 -     

%!%!(%./.!!%'& (%0



""I (#(R

 "?(   T( (P$ '%(  ""F($ #( "(    A"( ((%( (%"($;$ #()A?  ""F( ?" ("('"($;R

( 7#((":I ((% 5

/ 

/ "((4"(R

6/ ':9"( "(( 7(; ( "  38R

/  "  (F#   ($ " ##  4  #( (    !# 21111111111 " 4  #( A"( ( "    #R

/ I#("# !#21111111111R

,

/ 6(" (  "" ## I7 ("(% 5

,8 "  ( ; " "??!#21111111111V

+-+*..* ),.+,,)

*8  (($:"(F") "& "#6F#(F( $  7# ("!& *<?%(*..,;""?4 #()"(?" ("%"& )"?(#V

<8 ""( (%$((  ( ;   (6:%"( ?? (  %(#R

G8 2(I$("(6$6 : ( ;(  %(R

-8 (   (( (   (" ?(   (6 #((  (?   #"(  = "%#6 *..* #   :"(  #"(?( ("  "#" # !#21111111111%: ( ; " "??R

H8 ( ( : (  ;      C  "6 &A(7 " "#" # I$  7:"6%   #"($      #$#(4"(6$%(#66" (R

M8 ( ; F"  !&$""F2!@ #( (  #$ *,#6*..GR

=8 2( "  "6% (" FF (" (/

%" ?( (#( 97:;"( 9F?"R

( 7$"?"## I (0M (% "(?:"F( (" 9((($    (("   >  " $  %"(  "  "(  #((  (?$   (I 9" 4  " (?( ("$ 4  (6 ?  /( > ""F/##"("$ "( I#($  (6 ?  $ (FW(  *G$ H..H R

"##(7    ((" ; ! !""$ %"   !# 21111111111   ; !' ($ %"    ?" ("  %"&   1111111 '/ / (( 7:; :"??(?"(/

'(F 5 !#"%&$( $!/&A4 !/ A($9F/

"# (6#((  (?5

F??(4)9( 9/5  %()( 5       !/ ""( /"%&

+-+*..* ),,+,,)

"("?"# ((" "##(7I (/

 4%$  F??(45           

+-+*..*