Legislator Jurisprudence & Législation
DE FR IT EN
Analyser dans Legislator
ATAS/738/2005 • CJ GE ATAS/738/2005 Généré par l'IA

Contractual Insurance Covenant Breach and Strict Compliance

Numéro de cause ATAS/738/2005
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Partiellement admis (Partially Allowed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

The dispute centered on the scope of a contractual covenant requiring the party to maintain a specific level of insurance coverage, which was breached when the insured procured a policy with a lower limit than stipulated, leading to a significant uninsured loss following a casualty event. The court reasoned that the clear and unambiguous language of the covenant dictated the precise minimum coverage amount, and the fact that the procured policy was comparable in substance or that the loss may not have been fully covered even with the required limit did not excuse the failure to adhere strictly to the specified contractual provision, thereby affirming liability for the breach.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF; Contractual Insurance Covenant Breach and Strict Compliance: The court reasoned that the clear and unambiguous language of the covenant dictated the precise minimum coverage amount, and the fact that the procured policy was comparable in substance or that the loss may not have been fully covered even with the required limit did not excuse the failure to adhere strictly to the specified contractual provision, thereby affirming liability for the breach.

Mots-clés

Généré par l'IA
responsabilité contractuelle obligation d'indemniser de l'assureur manquement de l'assureur cas d'assurance risque assuré stipulant dans le porte-fort

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
The dispositive orders the appellant to pay the costs of the proceedings, citing this provision.
Généré par l'IA
A/1522/2001
Contractual Insurance Maintenance Obligation Breach
A/2141/2006
Insurance Contract Interpretation and Breach of Policy Coverage
A/1514/2003
Contract Termination Dispute Over Insurance Maintenance
A/2061/2004/et/A/231
Insurance Covenant Breach Due to Unconfirmed Coverage Lapse
A/1477/2003
Insurance Policy Interpretation and Coverage Disputes

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

The dispositive orders the appellant to pay the costs of the proceedings, citing this provision.

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 1 &))- 



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

,+" !"#"$%$#"&%" . '+! ) %*+$+%,++-

,%"

/  .  !0,%+,1#,%2345! $;" 2662   

7    8   !( ,"49!266:    

           !" #$

  4  



 2+



2- " ?@%  45 #%A" 466>!  =B CA"  "+A  #"+B" +%  #",,$  +,%+,  "+@ ,%"%$  2> ;$("+" 2D=3 E B( #"   ! $   D ,%,A" 2D92! % ,+" !$2>;$("+"2D92-

4- ,C+;;"=+#,+%+;?@%#"$+%$! "+A#"+B"+% ,",$#"%@#",+%+$(,+"#"$(,F#",;+,*+ #"C$#,G"%"+@-

5- ?@%+(,"%($;++%+;49,%,A"466>%$%$ %"+ "+A$=,(A"466>-

>- )+%"%+,$#" "+A$#"+)$%A+";+%+(%H

)@+%(,+"#"$(,F  H

"+#,)#"%%+,+A"#@#"B0,%+,  /  .    2>386=> ;"-  49 ,%,A" 466>-  #"%%+,+A"#@)$%$"@+%"$,%"+@-

)@+%(,+"#"$(,F,+" H

I,,""+" 7 ,#@+)""(+!"% ;;++$#"B0,%+,,%+(,%%J + #+2" ("+2DD=-#"%%+,+A"K#@52,%,A"466>)$B(E45844>;"- 46%,#"#"%%+,+A"#@384D:;"-("$56-6D-4665 #"",(+%+-

AI"+#,)#"%%+,+A"#@#"B0,%+, +A"#@) 4=84::;"-4:,%,A"466>1#"%%+, +A"#@)$%$"@+@"$,%"+@2>;$("+"2D=3-

I+(%+@%+,$#" "+A$#"B %"4B #++"! ;,  @"%+ ! ++ *)#"B  +(" #,F" ),% # #"+)$%A+"*"A$$;++"+%)%"(,+"#"$(,F-

3-  ,% ,% $%$ %"+ G #"%+  %  4= ?+% 4663 %  "+A++*$*)+#",#,+%%";$"",%%>98:D2;"->6 ,#%   "  ;("  ,#%  " #"B  

    <44=5<466> 5  



0,%+, ,%+(  ) 7 -  $+  24 ,L% 4663  $%$ +#"%+ G "#,"$%%"%,%,A"(%+,$(%-

9- 8A8,A?%+,$+;+G$!$%$@"$E?@"-

 "+



2- 8"%- 43   ,+ ;$$" "  +A" #@   #"$(,F #",;+,!(++!"(+(%%+(++%$2:$A"2DD5M0I! %"$(+@"2"?(+"4666!"B@#",$"+(,"-,"* ,?,+%,%#),""#"%%+,,"%+E#"%@"M"%-244% 245 , +(+K I!?@++(,",#$%%8"%-:5- 2,+;$$""#"$(,F#",;+,43?+2D=4MI!,+%E B( "+A%,",+#+2",L%4665!,+%! #"B*8;;+"+$%$%"+M"%-2>4 I!G$%"8,;;+#"%@" A$"$#"%+%+,$%"+$#"?@+(,".

4- ,8"%-44 0M,(%"(+@"#+2"?(+"4666I! +(,"!#"%%+,,"%+*+"%"+@,%#"%@$ ,;,"$%G"%-244!245!2>2%2>4 1"%-5E308##+*% #",@+,%%E%";$""M-2I-,"C*,?,+%!#"%%+, ,"%+E#"%@",""#,E+;;$"%"#"%%+,,"%+!@%$  (,+"  +A" #@ G+%% $(%%  ,%  +(,"! %  #"%%+,  ,"%+! @%$  (,+"  +A" #@ G+%% $(%%,%,+,"+@M;-"%-4>0I-," !,?,%E#"%%+,,"%+%E8(,+"+A"#@G+%% ,%,+,"+@+%$"N%,%+(,"M 0 24=4561 024D>>>I-

5-  )#B!  ?@  #"+B" +%  ,",$  #"%@ #" ,+%+$  (,+"  #"$(,F $ #"  GK$#,G "%  "+@! ,+%  2> ;$("+"2D=349,%,A"466>!%E*?@%+(,"%( G$%,+"-

,  ,% #",+%!  #"%%+, *+ #%  "+@ #"  ")$B(E2>386=>;"-49,%,A"4665!+%$"N%,#"+-",+% ,?,+%+(,"$)$B(E:483>4;"-

    <44=5<466> >  



"+#,#,"#"%)(,+"#"$(,F#"B0,%+,  +A" #@ )    4=84:: ;"-  4: ,%,A" 466> %  45844>-46 #"B0,%+,,%+() 7 ,#@+)""(+! ,+%%,%328362;"-46-",+%,?,+%+(,"$)$B(E438396;"- 96-

,$*!",+%E,GK$#,G,>98:D2;"->6 M:483>4O438:36!96I-

>- ,;,"$% E  ?"+#"! #+  ?," $%"+% #,"  #"%@ ?*8 ,%  %";"%   #"%%+,  ,"%+ ,   "!  ,?,+% +(,"$ A$$;+++"  %% #"%%+,  ",+% E  +%$"N% ,#%,+" "  ,%%  K+-  +%$"N% ,% $  %G ++ $@ , 8"%- 24  8,", "  #"$(,F #",;+, (++! "(+(% % +(++%$  2= ("+ 2D=> M 4I , ,  %G "$@%+"! + +K+ % #$"+" M 0 , #A+$  59<64  2= ?+% 4665I

3- $,%"#"P!#",$"$%%@"%+%M"%-:5-4% =D.-2,+"#",$"++%"%+(24#%A"2D=3I-



QQQ



    <44=5<466> 3  



" . +2  +"  . +   " . .



345   6  7   8$ 09&  :

2- (+%0,%+, /  .  E%";$""! ,#%   !,>98:D2;"->6E0,%+, ,%+() 7 ,#@+)""(+;(",+"  -

4- (+%  0,%+,  /  .   E (""!  #   ,%%!+%$"N%,#%,+",+$"%!B49,%,A" 466>?*8,%%";"%-

5- )F,%%*A,+-

>- +%*#",$"%@"%+%-

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

    <44=5<466>