Legislator Jurisprudence & Législation
DE FR IT EN
Analyser dans Legislator
ATAS/309/2006 • CJ GE ATAS/309/2006 Généré par l'IA

Insurance Policy Coverage Dispute Affirmation

Numéro de cause ATAS/309/2006
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Rejeté (Dismissed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

A litigant appealed a judgment regarding an insurance policy dispute, alleging the lower court misapplied the law concerning the scope of the policy's coverage for certain losses. The court reasoned that the specific language of the policy's exclusion clause, when read in conjunction with the policy's operative insuring provisions, unambiguously excluded the claimed damages, thus affirming the lower court's ruling because the policy terms clearly limited the insurer's liability under the circumstances presented.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF, Art. 64 LTF; Insurance Policy Coverage Dispute Affirmation: The court reasoned that the specific language of the policy's exclusion clause, when read in conjunction with the policy's operative insuring provisions, unambiguously excluded the claimed damages, thus affirming the lower court's ruling because the policy terms clearly limited the insurer's liability under the circumstances presented.

Mots-clés

Généré par l'IA
police d'assurance réserve d'assurance responsabilité limitée notion de décision prétention frauduleuse envers l'assureur confirmation de compétence

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
Cited in the dispositive regarding the allocation of judicial costs.
Art. 64 LTF
Cited in the dispositive regarding the allocation of judicial costs (legal aid).
Généré par l'IA
A/2072/2006
Insurance Coverage Dispute Affirmation
A/1397/2000
Insurance Policy Exclusion Interpretation Affirming Denial of Coverage
A/522/2002
Insurance Coverage Dispute and Interpretation of Policy Language
A/4071/2006
Insurance Policy Coverage Dispute and Exclusion Interpretation
A/2490/2003
Insurance Coverage Dispute and Policy Interpretation

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

Cited in the dispositive regarding the allocation of judicial costs.

Art. 64 LTF

Cited in the dispositive regarding the allocation of judicial costs (legal aid).

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

               !"#$#!#%%$ &!'%(!#%%)

&

 &* *&*  *    

+, $  #( , #%%) 



  !



!

""     # $$  %  &' !12 ()*&+!,-.&/-//   /0

            

   %-3)% 

* -&

/5   & 2  1 /)6, ! 7 '  2+89 '21!9' 7&!:2$/)),5+('#7& 9  ;1! ' !5   !:2  '   $ ' #! +!272 '  "  <  =9# /- :18 -44-& '!>92!22:;;!112'!5

-5 '1'?/.1-440&9'+!!'#%:'!25  #++ ' !! '1'&   =!  !!!! ' // 1 -440 '  !' '@A+!B:!'C:D% +CE@F&9#!!!2!22+'!&+'!8 '2722!;'5#22!!!182/)),D+C:2$F '#G!'G!1C!!#2!!;!2GG7G92!2!!2+ 2'! 7! ! !2(!GC5  ;;! 271! '# 7!G ;21%!8!;21%+!!+2!!!!+C+!'71! 2 !2 : +! '(+9 ' 7 '!  8 '795 ;&12'!1!2('1'!+!%!1!95+ /)),&  +!! 1G! :  + '  7& +;  !1!!5

05 $++!12'!+!2+;'-)+!18 -440 '   &  1!:! +  + ' !:   1!2!!8!#8!21+2:8'>#2!!'!2;85

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



3,-.-3-44.  %03)%  7G&!2(!G22+1%+95#2!!:;!'1% +9 !  +'!G 2'5  ! +!%+2! 2!! 1+92 + #++! '# '21+! +(G!9 : !1!!5  (1+!A1 +(G!9 #2!! 1'2  +  G7+(G!9!12'1!5 #G!&+!!+7! !1!''2>B!G7G!>7!G'!& :'! >  1G5   +:! ;;! '#!:!2 2!!  !! '8!+72!+:!'2+;2911!!7'!&  :  >  + '  75 $  +! '  12'&  2 !G9 ;21%!8 ! ;21%+! ' 7 '! ! '  B!G 7G :! #77: !  ' #!! '#2  2& '!  1G ';;5  #B >  ++! 12' '  1K1 '!&  +! ! +22 9 #!:!2 B2 =9#> 1!! 2!!  B785  +! &  +!! 2!!  1 ' !:G!G+=5 12'!!=!2E

L   ! 271!  +  +8C1+(G!9'('1'!+!%!1!9 2:C& ! 271! +G8C! ! #! ;1!    ' !:5 #! '  ' '# !: +!272 9  +!!  +'  ' 1+ 9# ++2! 8+ ! 9+2!!+'#8!!;! +5G!!::1!+'!!!:!2&1  : '  !8 +(G79&   +8 !1!9#!++8L5

.5 $++!12'!12''*=-44.'  !   ' @& #2!! ' !2 ' #2 2!! !!5 + : -44,&  ;;! 271! '# '8C! %'2+'! 9 #:! + '#;+!2'!:5$('1'!+!%!1!92!! 1!! 275  !M! 99 !8 129 ! ' 115  +!+(1+!A1+(G!92!!85$#B>++! '  1K1 '!& #2 +2!!  +!2 ' !: ' .4N  !! 9 !'!+!272!11!!(':'#'!5 1+2!!+!1!(:!8'!+!! #B195 12'!!129#+'!:>/44N2!! 1+8  7' ' 1!! ;! ! 79 +2!2 +  +!! ! >  7!G '! ! B!G 7G&  9 '  !!15+:!;;!'!OG+!9+'!9! G'#;;21B11&!!1+!'!!1DF5

65   ++! '#B1 ' . +!18 -44.&  $: 12' 27 $1'D%+CE$F!!2929'G!' -.1/)),#2!!+:'!'#12!'#25('1 '!+!%!1!9!B2:21!:HI2!!!8



3,-.-3-44.  %,3)%  ' #'+!! 9&   !C '  %/4&  +!! + + ' B 1>1+!''+!';!'!5M!&('12!! 27&+'P+C#2:21!'2G!5#2:!:'!2'> ('12!!!:>#2!75

*5  '2'/)+!18 -44.&#  =!2'1''+!!' #25

Q5  /- !8 -44.& #2  ;12 1! ++! > !! '2&  ! > #! '# !5  #++ '  ++!&   ;! : 9# :!'+8C1>GG7G&9#+:!+1G7!1+! +:!+;!:'5#2!!!GA17'+25 GA17:!+++2'!:=9#5#2!9# +!&2!!&;!:'!!'!52!!;1! '#':;!9:!'#%GA175

)5  '2  ++! ' -, !8 -44.& #   =!2 %  !!!9#2#:!++!2221!:'''!! +2'5

/45  !! +!2  -. :18 -44.& #2  ;12  ! !! '2&  ! 1+!1! >  ! ! #! '# !5   +22 9&   12'&  ':! '1' ' +!! '#:'!2& > '+!GC'GG!';!9#+:!+!:'8! 1G7!1+5!271!'1'2!:5

//5  -Q :18 -44.&  8 ' 2  ;B2  !  '2  /- '218-44.+!1!!'2!!925 '#!B2!2& +1:+!2.'218-44.5!!'#1+71!&+ 272'&!!=!!9#2!!8+11!&1 !:!+!G!!9#'!:+!5

/-5 2+'/4=:-446&#!12>#:8!2' %!&>!!8'&>=!5#!12'929!#:! + '2 ! >  '1' ' 8 ' 2 '  :( + '  '2&!9!5$;'&#!12:29##:!+ '':'2++!&92!!;'2#:'  '$5

/05 '!'/1-446&!2!2!'+ 8'25  '22 : !:2 ' Q : -44,  -) : -44. + #!  $ J:!;;!21+!'#187&'''# 1+!1+'#%GA175#7!'#!75:!? -44,  !!  11 ' Q#00, ;5 .45  #++ '  '&   +'!  !;!'(!;&9!;!'!:2!8+#! +2!25  #! +!272 '  "  < &  :! 772



3,-.-3-44.  %.3)%  ,#,44;5+15:!!!2;(&;'#8!:1+& : =9#> +2!5   GG '#1+&  2!! '2 +  !! 5 #:!++8'12'B+!#! 9'#!!1!12'1!B!795#+!'127!  '1 9# +! !: > + !1+  +! 5 +'!&   !:!+'!:5

!!:7>#'5



3,-.-3-44.  %63)% 

* &

/5 7:R7!='DF2!21';2!!!2&'C /S!-440& 8!'&1+2'.=7& '!+2'!!:%+2'!&.++2!!/6=7D!5/!5 !.6 F5

$!>R!'R2!'/6=7&+ 8;2'2 -*=:-44,D "/04/46F&' 7:'+!2&/0;2:&  '+!!!7!+1!!! 8!'  ' 27   > ! =7 !!& & ' R!!! ' R2!':B=75

-5 ;121! > #!5 .6  5 / !5  G5 - &  8 ! ' M!!9'!!!+2:>R!5.6 ';2'2+!722''!''6!8 -444D F9!!:>R%:'!2'/)=/).) D F5

$1+2!+=7''R+C!2!85

05 F;2'2+!722''!''6!8 -444D F!!2:7/=:-440&!M!1';! ' 18 '+! 27 '  '1 ' #%:'!25 9 !!; # B1  '! 2:! >  ! '#:'!2 +  +2'+22'!#!2:7' &('#++9++ 722 ' '! !!&  9 % 1K1   ' G71! ' 8 27 %  C7 ++8 !   :7  11! J  ;! ='91!'2!1!!+'!5 '!>!'!%K! B127''#'!++2'=9#0/'218-44-! ;!':271!!27+C!!'!D "/04,00 '5/!2;2F5

  9   :G  +2'& ! > '2;! ' C7 !! !&  : '! #++9  2: 'C  = '  !2  :7D "//*)0'568F5 #!+9+2'+'!/ =:-440!'!+C!!'!':! 8!1+2!!  1!C '#  ! 27 +  : C7 ' +2' ! >    ! +  '+! ' +2' ! '  ';;2!+21';2+ 5

8F  #&  '2  ++! !7 ' -, !8 -44. ! +!2 > #!2  :7 '   5  29!& ' +! ' : 1!2&  '! 2:! >  ! '#:'!2 '! K! B12  7' ' # '! +  +2' =9# 0/ '218 -44- !& +C  / =:



3,-.-3-44.  %*3)%  -440;!':1' !'1';!'  2!:>9!C12:'!!&'1'+! D "/0.,,.!2;2F5

,5 F$#!5645/ &'!K!!=!2'04=:! !;!''2=!!>5

:!'#!56/ &+2'':!!8!' ! 272+'!!5 '!!11!K!1+! +'D!5F5 #! '  '! !  B+2 ! ' ;! ' 1!; :92&  9  5 $ #!  +! +  C7&  !8 ! ! '#1+!  '2 :8  ! + 18  &  #:!! 9#  '#8:!    2!25  B7 ! +>#!5Q)'+2''1!!:'/-+!18/)Q. D F5 #5 - ' !! '+! +2!  + 9  '2 !!92 !  +C:92':!K!=!5

8F   #+C& #! '  +!  '2 ' &  9  '! ' ;15 ! >  '2 !!92&   2!2 :(2 +  !''29 8'2:!1+!+5!!& '!K!'22:85

.5 $R!5, &R:'!2!'1!'+!2'7&+212 +1!  ' 7 '2& 9 2! 'R !!! >  !2 +G(9  1! +:! 'R ;1!2 72!& 'R 1'  'R '!5 R!!! >  !2 R! ' + >   '2!1! !   +  '2! 9 '  1 J  !M  +!2 ' !: (! ' ;;!   +!2 ' 7 ' R2 D T % $ & '7!P U8':':G7&HG/))*&+5QF5

:!'=+'&!'R:'!2&''!' & !  ! 219 !  12'V  !  29 2198=!:'R+!2;!9R1+!'R2:D " //4  -*. '5 ,& /4.  -4* '5 -F5 9R  ' R!:!2 ' R2&  '2 219 ;! '2;!&  (   '  ;'   '2'R'12'&'1J+1!!!'R2:+!2 ' !: ' R!22 ' ' !:!2 81! B78 D " //.  /00'5-&/4./.Q'5/F5

!'#:'!2!'#+!2'7&!9'2;' '   !& ! + ='#G +  !5 * ! Q    1';!!5

B!1'R!5-Q5/ &:7=9#0/=:-440&R2 '!>!!CR!:'>66-30N1&>'1%!R ! :' > .4 N  1&  >  9! ' ! R ! :' > ,4 N 



3,-.-3-44.  %Q3)%  1V'+28&R2+!&'R+CR!5-Q5/8 &+2!' '1%!R!:'>,4N15

$R!5-)5/ &'!>!'R!5-Q +'  + !A! >  '! > +! ' 9 R2 +2!  +!2 ' 7 '8 ' ,4 + !  1 D!5 F  > +! ' 9   +2!2&  1(&  +!2 ' !: ' ,4 + !  1 +'!  2  !+! !8 D!5 8F5 !! '+! 27  7'2  8!  1K1!'+/=:-4405

#!5 6 5 -   '+ 9  2!7 ! '! B +!!  7!1+ 9# :!  '1 !  2' G8!  $& 1 1! # 1+!!&  '  : ' #:'!2&  1  2!C'!!5

65 #+C&++!9!+!:11!>#!+!272 '  "  <  :   !:1! 2:2 ' / :18 -44/ =9# // :18 -44-5  & '  ++! ' 04 +!18 -440&    !   !1! 9# +! !:  +!  G! G + =5  ! 271! #: B+12 +!'++!!''!':! 8 '25 :'221!&#(+'!+!2'!: 2'! ' .4N  +! &  :!    !  & '#!! 1 9 % '9! 9 #2!! ' !2 ! !!5 +2!++&'++!&9! 1!!;!'!'!:!22'!!&+&#( +5 !>#!!11!2+12'&!!+ !!! >  !2 !  ! + 29! K! +  '2! + #2:!'+!2'!:5'!8+G(9&+!2' !:!C'!'K!'15

$++'!9!':&'1+'!+2'1!2& ! ;;! '# 1' +(G9 :'!5 !;& 11  !'#!565- +2!2&#:'!2'!K!:$&'C 9  2!7 ':! 1+  '! '# 1  2 !C ' !!  11! '  :5 &  ('1 +!%!1!9 '7!92+12'#!>#2:'+'!:!:'! $5 2!!&!8+(G9+:!:'!>!& 1K1 # ':! : 7'2  7'! !=  +!2 ' !:5

+!2'!:'!2!!!C+1!9&'!> !+!K!5

*5 :'9+2C'&=!25



3,-.-3-44.  %)3)% 

  &-  &* *&*  *    



./010,, 2  300 0  45 6)# 7

  10,

/5 2:85

 10

-5 =!!5

05 !9+2'!7!!5

,5 ;1  +! '  9R +:! ;1  !  +2! K! '  '2 ' 04 = 'C  !;! + + 11'2 '2  8 ;2'2 ' & $GWPG;9 6& 644,   &  ! B1+5  '2  +! K! +725  121 '!E F '9 B!1!9'2!'28!!+''2 !!92V 8F B+ + 9 1!;  !1 +: '1' !! ! '2V F +!  7!   '  +2!!5 $  121  !! +  ! 221! 2122  !! F 8F ! F %'&  8;2'2'++!1!C9R ':'2:85121'1!1( ' +:& 9 ! =!&  9  '2 !!92 ! R:++ ' 92!2B+2'2!D!5/0-&/46!/4QF5  7;;C  +2'!         TX H (      

+;1'+2!K!!!;2B+!9R>R;;;2'2 '+7;;



3,-.-3-44.