{"id":256,"date":"2022-05-03T18:26:21","date_gmt":"2022-05-03T16:26:21","guid":{"rendered":"https:\/\/www.papercare.fr\/?page_id=256"},"modified":"2022-08-30T17:20:45","modified_gmt":"2022-08-30T15:20:45","slug":"responsabilite-civile","status":"publish","type":"page","link":"https:\/\/www.papercare.fr\/assurance-habitation\/responsabilite-civile\/","title":{"rendered":"\u00a0Qu\u2019est-ce que l\u2019attestation de responsabilit\u00e9 civile et que couvre-t-elle ?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p class=\"p6\">Qu&rsquo;est-ce que l&rsquo;attestation de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p7\">Le r\u00f4le de <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/\">l&rsquo;assurance de responsabilit\u00e9 civile<\/a><\/p>\n<p class=\"p1\">L\u2019assurance de responsabilit\u00e9 civile, aussi appel\u00e9e RC, est un contrat couvrant les cons\u00e9quences encourues par l\u2019assur\u00e9, dans le cadre de sa responsabilit\u00e9 civile, pour tout dommage caus\u00e9 \u00e0 un tiers ou \u00e0 ses biens. Lors de la signature du contrat, une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/responsabilite-civile\/\"><b>attestation de responsabilit\u00e9 civile<\/b> <\/a>est d\u00e9livr\u00e9e. Il s\u2019agit d\u2019un document prouvant qu\u2019un individu est couvert au titre de sa responsabilit\u00e9 civile.<\/p>\n<p class=\"p5\">Lorsqu\u2019un dommage est constat\u00e9, c\u2019est l\u2019assureur qui a pour mission<\/p>\n<p><span style=\"font-size: 1rem\">d\u2019indemniser la tierce personne victime du dommage. Ce dernier est r\u00e9par\u00e9 par le versement d\u2019une indemnisation financi\u00e8re.<\/span><\/p>\n<p class=\"p6\">Que couvre mon attestation de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p7\">D\u00e9finition juridique<\/p>\n<p class=\"p1\">Selon le Code civil, la responsabilit\u00e9 civile est un principe qui pr\u00e9voit l\u2019obligation, pour tout individu, de r\u00e9parer les dommages mat\u00e9riels, immat\u00e9riels et corporels, caus\u00e9s \u00e0 autrui, dans le cadre de sa vie priv<\/p>\n<p><span style=\"font-size: 1rem\">\u00e9e.<\/span><\/p>\n<p class=\"p8\">Extraits de l\u2019<a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000032042363\/\"><span class=\"s1\">article de loi 1382<\/span><\/a> :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">\u00ab Tout fait quelconque de l&rsquo;homme, qui cause \u00e0 autrui un dommage, oblige celui par la faute duquel il est arriv\u00e9 \u00e0 le r\u00e9parer. \u00bb<\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">\u00ab Chacun est responsable du dommage qu&rsquo;il a caus\u00e9 non seulement par son fait, mais encore par sa n\u00e9gligence ou par son imprudence. \u00bb<\/span><\/li>\n<li class=\"li9\"><span class=\"s2\">\u00ab Le propri\u00e9taire d&rsquo;un b\u00e2timent est responsable du dommage caus\u00e9 par sa ruine, lorsqu&rsquo;elle est arriv\u00e9e par une suite du d\u00e9faut d&rsquo;entretien ou par le vice de sa construction. \u00bb<\/span><\/li>\n<\/ul>\n<p class=\"p10\">La responsabilit\u00e9 civile priv\u00e9e ne doit, cependant, pas \u00eatre confondue avec la <b>responsabilit\u00e9 civile professionnelle<\/b> qui, elle, couvre les dommages caus\u00e9s dans le cadre de son activit\u00e9 professionnelle.<\/p>\n<p><span style=\"font-size: 1rem\">Dommage aux tiers<\/span><\/p>\n<p class=\"p1\">La <b>responsabilit\u00e9 civile vie priv\u00e9e<\/b> peut \u00eatre engag\u00e9e dans le cadre de plusieurs pr\u00e9judices, parmi eux :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Les dommages caus\u00e9s par n\u00e9gligence ou imprudence.<img decoding=\"async\" class=\"lazy-loaded alignright size-thumbnail wp-image-26\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" height=\"1\" width=\"1\" data-src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-150x150.png\" alt=\"\" width=\"150\" height=\"150\" data-lazy-srcset=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-150x150.png 150w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-100x100.png 100w\" data-lazy-sizes=\"(max-width: 150px) 100vw, 150px\" \/><noscript><img decoding=\"async\" class=\"alignright size-thumbnail wp-image-26\" src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-150x150.png\" alt=\"\" width=\"150\" height=\"150\" srcset=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-150x150.png 150w, https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/59\/2022\/04\/satisfaction-11-100x100.png 100w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/noscript><\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par son conjoint.<\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par ses enfants, notamment dans le cadre scolaire.<\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par ses employers de maison, tels qu\u2019un(e)\u00a0baby-sitter, un homme\/femme de m\u00e9nage ou encore un(e) jardinier(e).<\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par ses animaux de compagnie, que l\u2019on soit propri\u00e9taire ou simplement gardien.<\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par un mat\u00e9riel que l\u2019on a en sa possession, que l\u2019on utilise ou loue.<\/li>\n<li class=\"li10\">Les dommages caus\u00e9s par ses biens immobiliers.<\/li>\n<\/ul>\n<p class=\"p7\">Application de la responsabilit\u00e9 civile<\/p>\n<p class=\"p11\">En cas de sinistres du quotidien, la responsabilit\u00e9 civile vie priv\u00e9e peut intervenir pour les prendre en charge. Pour cela, il est n\u00e9cessaire de suivre plusieurs \u00e9tapes parmi elles,<span class=\"Apple-converted-space\">\u00a0 <\/span>rassembler un certain nombre de documents afin de faire une d\u00e9claration de sinistre et v\u00e9rifier quelques points indispensables \u00e0 la prise en charge.<\/p>\n<p class=\"p11\">Avant de faire une demande, il est important de :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">Caract\u00e9riser l\u2019individu \u00e0 l\u2019origine du sinistre : dans le cas o\u00f9 le <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/\">dommage<\/a> aurait \u00e9t\u00e9 caus\u00e9 par un proche ou une personne sous sa responsabilit\u00e9, il sera n\u00e9cessaire de v\u00e9rifier si celui-ci est couvert par son contrat d\u2019assurance. Si, selon vous, la victime fait preuve de mauvaise foi, il est possible de nier sa responsabilit\u00e9 ou celle de son proche.<\/span><\/li>\n<li class=\"li1\"><span class=\"s2\"><b>V\u00e9rifier que le dommage est couvert par la responsabilit\u00e9 civile vie priv\u00e9e<\/b> : certaines situations sont exclues des garanties pr\u00e9vues par la responsabilit\u00e9 civile, parmi elles, les pratiques \u00e0 risque, comme les sports extr\u00eames. Par ailleurs, les dommages pris en charge sont soumis \u00e0 des plafonds. Il se peut donc que la responsabilit\u00e9 civile ne couvre pas l\u2019int\u00e9gralit\u00e9 du montant d\u2019un bien endommag\u00e9.\u00a0<\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">Porter une attention particuli\u00e8re \u00e0 la franchise : il s\u2019agit du reste \u00e0 charge de l\u2019assur\u00e9, une fois l\u2019indemnisation vers\u00e9e. Il arrive que celui-ci soit plus important ou \u00e9gal \u00e0 la somme que l\u2019assur\u00e9 aurait pu verser. Si c\u2019est le cas, il n\u2019est peut-\u00eatre pas int\u00e9ressant de s\u2019engager dans une proc\u00e9dure.<\/span><\/li>\n<\/ul>\n<p class=\"p11\">Une fois ces trois points valid\u00e9s, il faut d\u00e9clarer le dommage en se servant de la responsabilit\u00e9 civile.<\/p>\n<p class=\"p11\">Pour faire la d\u00e9claration lorsqu\u2019on est \u00e0 l\u2019origine du sinistre, il faut :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">R\u00e9unir toutes les pi\u00e8ces d\u2019information pouvant \u00e9clairer sur les circonstances de l\u2019accident. Des t\u00e9moignages peuvent venir supporter le propos de l\u2019assur\u00e9. \u00c0 noter qu\u2019une d\u00e9claration de sinistre pr\u00e9cise et d\u00e9taill\u00e9e sera trait\u00e9e avec davantage d&rsquo;efficacit\u00e9.<\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">Inciter la victime du dommage de rassembler ces m\u00eames pi\u00e8ces ainsi que les documents attestant des dommages caus\u00e9s, tels qu\u2019une facture, un devis, une expertise ou des examens m\u00e9dicaux.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">Avertir son assureur dans les 5 jours apr\u00e8s le sinistre. <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">Partager \u00e0 la victime du dommage les coordonn\u00e9es de l\u2019assureur et sa r\u00e9f\u00e9rence de contrat responsabilit\u00e9 civile. <\/span><\/li>\n<\/ul>\n<p class=\"p11\">La <b>d\u00e9claration de sinistre<\/b> peut \u00eatre envoy\u00e9e \u00e0 son assureur via lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception. Chez certains assureurs, il est maintenant possible d\u2019effectuer la d\u00e9claration directement en ligne, via un espace d\u00e9di\u00e9. Malgr\u00e9 cela, le d\u00e9lai de 5 jours s&rsquo;applique.<\/p>\n<p class=\"p13\">Si l\u2019on est victime, c\u2019est l\u2019assurance responsabilit\u00e9 civile priv\u00e9e du responsable qui sera charg\u00e9e d&rsquo;indemniser les dommages mat\u00e9riels, immat\u00e9riels et corporels. Afin d&rsquo;acc\u00e9l\u00e9rer la proc\u00e9dure, il est important de garder les biens endommag\u00e9s et de rassembler les documents prouvant le montant du dommage.<\/p>\n<p class=\"p6\">Qui est concern\u00e9 par une attestation de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p7\">L&rsquo;attestation de responsabilit\u00e9 civile pour les <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/etudiant\/\">\u00e9tudiants<\/a><\/p>\n<p class=\"p1\">L\u2019<b>attestation de responsabilit\u00e9 civile priv\u00e9e<\/b> est, d\u00e8s la p\u00e9riode d\u2019inscription, une obligation dans la majorit\u00e9 des \u00e9tablissements d\u2019enseignement sup\u00e9rieur. Ainsi, elle prend en charge les dommages corporels, immat\u00e9riels et mat\u00e9riels caus\u00e9s durant toute la p\u00e9riode scolaire de l\u2019\u00e9tudiant, que celle-ci soit en France ou \u00e0 l\u2019\u00e9tranger.<\/p>\n<p class=\"p1\">Par exemple, l\u2019<b>attestation de responsabilit\u00e9 civile \u00e9tudiante<\/b> pourra couvrir les dommages suivants :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Une blessure caus\u00e9e \u00e0 un \u00e9l\u00e8ve lors d\u2019une activit\u00e9 sportive.<\/li>\n<li class=\"li1\">La d\u00e9gradation involontaire du mat\u00e9riel de l\u2019\u00e9tablissement scolaire.<\/li>\n<li class=\"li10\">\u00catre victime d\u2019un vol d\u2019ordinateur.<\/li>\n<\/ul>\n    <div class=\"cta-block-double shortcode shortcode--kamino shortcode--with-link-to-app shortcode--status show-call-closed white\"\n        style=\" --cta-hover-color:#25A337; --cta-bg-color:#02C5AE;\">\n                    <div class=\"cta-block-double__content-image\">\n                <img decoding=\"async\" class=\"lazy-loaded cta-block-double__image\" loading=\"lazy\" height=\"150px\" width=\"150px\"\n                    src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" height=\"1\" width=\"1\" data-src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/12\/2021\/02\/checklist.svg\" alt=\"\"><noscript><img decoding=\"async\" class=\"cta-block-double__image\" loading=\"lazy\" height=\"150px\" width=\"150px\"\n                    src=\"https:\/\/d11o8pt3cttu38.cloudfront.net\/wp-content\/uploads\/sites\/12\/2021\/02\/checklist.svg\" alt=\"\"><\/noscript>\n            <\/div>\n        \n        <div class=\"cta-block-double__container\">\n            <p class=\"h2 h2--shortcode cta-block-double__title\">\n                Trouvez votre assurance habitation            <\/p>\n            <div class=\"cta-block-double__links\">\n                \n<a  href=\"https:\/\/app.papernest.com\/onboarding?anonymous&amp;destination=insurance&amp;pole=SEO&amp;source=metasites&amp;source2=papercare&amp;account.additional_data.insurance_provider=ppn\" class=\"cta custom cta-block-double__cta cta--call\">\n    <svg class=\"phone-svg\">\n        <use href=\"#phone\"\/>\n    <\/svg>\n        <span class=\"override\" >\n        Comparez!    <\/span>\n<\/a>\n            <\/div>\n            <p class=\"p--small cta-block-double__compliance\">\n                            <\/p>\n            <div class=\"cta-block-double__content\">\n                <p class=\"cta-block-double__text\">\n                    Avec papercare, d\u00e9couvrez l&rsquo;assurance habitation sur-mesure. Choisissez vos garanties en quelques clics et obtenez gratuitement votre attestation.                 <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"shortcode--status show-call-closed\">\n        <div class=\"information\">\n            <p class=\"p--info\">\n                <span class=\"information__text\">\n                    Annonce                <\/span>\n                <span class=\"information__icon\"><\/span>\n            <\/p>\n        <\/div>\n    <\/div>\n\n<p class=\"p7\">L&rsquo;attestation de responsabilit\u00e9 civile pour qui est-elle exig\u00e9e ?<\/p>\n<p class=\"p1\">L\u2019attestation de responsabilit\u00e9 civile est obligatoire dans certains cas. <b>Qui est couvert ?<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Dans le cadre d\u2019un stage : au moment de la signature de la convention de stage, l\u2019entreprise demande au stagiaire une <b>attestation de responsabilit\u00e9 civile stage<\/b> lui assurant une couverture en cas de dommages \u00e9ventuels caus\u00e9s \u00e0 des tiers ou \u00e0 des biens.<\/li>\n<li class=\"li1\">Dans le cadre professionnel : ici, il s\u2019agit d\u2019une attestation civile professionnelle, qui diff\u00e8re de l\u2019attestation civile priv\u00e9e. En effet, la responsabilit\u00e9 civile professionnelle prend en charge l\u2019entreprise en cas de dommage caus\u00e9 \u00e0 un tiers<span class=\"s3\">.<\/span> Celle-ci peut \u00eatre r\u00e9clam\u00e9e par un futur partenaire, client ou encore fournisseur.<\/li>\n<li class=\"li1\">Dans le cadre de la location d\u2019un bien : l\u2019assurance responsabilit\u00e9 civile est une obligation pour les locataires. Il est donc crucial de souscrire \u00e0 un contrat couvrant \u00e0 la fois les risques locatifs et la responsabilit\u00e9 civile vie priv\u00e9e. Cependant, bien qu\u2019ils soient responsables de dommages caus\u00e9s chez un voisin ou \u00e0 proximit\u00e9 de chez eux, les propri\u00e9taires occupants ne sont pas contraints de souscrire \u00e0 une assurance responsabilit\u00e9 civile.<\/li>\n<li class=\"li1\">Dans le cadre d\u2019une profession lib\u00e9rale ou d\u2019artisan, telles que m\u00e9decin, avocat et professionnel du b\u00e2timent.<\/li>\n<li class=\"li5\">Dans les milieux sportifs ou associatifs.<\/li>\n<\/ul>\n<p class=\"p6\">Comment obtenir mon attestation de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p7\">Je poss\u00e8de d\u00e9j\u00e0 une assurance habitation<\/p>\n<p class=\"p1\">La responsabilit\u00e9 civile est, en g\u00e9n\u00e9ral, garantie par l\u2019<b>assurance habitation<\/b>. Si vous en poss\u00e9dez une, vous pouvez alors obtenir une <b>attestation d\u2019assurance responsabilit\u00e9 civile<\/b>.<\/p>\n<p class=\"p1\">Pour la recevoir, il suffit d\u2019en faire la demande aupr\u00e8s de l\u2019assureur qui la transmettra via mail, courrier, en ligne via l\u2019espace personnel ou encore directement en agence. Notez qu\u2019une attestation civile au format papier ou un document au format num\u00e9rique \u00e0 la m\u00eame valeur juridique. M\u00eame s\u2019il n\u2019existe pas qu\u2019un seul <b>mod\u00e8le d\u2019attestation de responsabilit\u00e9 civile<\/b>, celle-ci comporte syst\u00e9matiquement :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Le nom et les coordonn\u00e9es de l\u2019entit\u00e9 qui assure.<\/li>\n<li class=\"li1\">Le nom et les coordonn\u00e9es de l\u2019assur\u00e9.<\/li>\n<li class=\"li1\">Le num\u00e9ro du contrat et sa nature.<\/li>\n<li class=\"li1\">L\u2019ampleur des garanties.<\/li>\n<li class=\"li1\">Ce qui est exclu des garanties.<\/li>\n<li class=\"li10\">La dur\u00e9e de validit\u00e9 du contrat d\u2019assurance.<\/li>\n<\/ul>\n<p class=\"p7\">Je ne suis pas encore assur\u00e9<\/p>\n<p class=\"p14\">Si vous n\u2019\u00eates pas assur\u00e9, sachez que la responsabilit\u00e9 civile peut \u00eatre garantie par plusieurs types de contrats, parmi lesquels :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">un contrat d\u2019<b>assurance de responsabilit\u00e9 civile vie priv\u00e9e<\/b> : <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">une assurance scolaire ; <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/multirisques\/\"><b>assurance multirisques habitation<\/b><\/a> (MRH) ; <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">une assurance de club sportif ; <\/span><\/li>\n<li class=\"li1\">une assurance auto et moto pour les sinistres routiers ;<\/li>\n<li class=\"li14\"><span class=\"s2\">une assurance sports d\u2019hiver. <\/span><\/li>\n<\/ul>\n<p class=\"p15\">Bien que ces diff\u00e9rents contrats permettent l\u2019obtention d\u2019une attestation de responsabilit\u00e9 civile, c\u2019est le <b>contrat d\u2019assurance habitation <\/b>qui est le plus couramment utilis\u00e9 pour en b\u00e9n\u00e9ficier.<\/p>\n<p class=\"p15\">Avant toute signature de votre contrat d\u2019assurance, il est important de v\u00e9rifier certains \u00e9l\u00e9ments dans le contrat, parmi eux :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">Les individus du foyer sont couverts par les garanties. <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">La pr\u00e9sence de franchises. <\/span><\/li>\n<li class=\"li14\"><span class=\"s2\">Les exclusions et plafonds pr\u00e9vus dans le contrat. <\/span><\/li>\n<\/ul>\n<p class=\"p11\">Par ailleurs, selon vos besoins, il est possible de demander \u00e0 l\u2019assureur la mise en place d\u2019<b>extensions de garantie<\/b> afin de couvrir davantage que ce qui est pr\u00e9vu initialement.<\/p>\n<p class=\"p1\">Si vous souhaitez obtenir une attestation de responsabilit\u00e9 civile en souscrivant \u00e0 une assurance multirisques habitation, Papernest vous permet de comparer, choisir et mettre en service votre assurance en seulement quelques minutes. Comment \u00e7a marche ?<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Vous avez le choix de renseigner les informations sur votre logement par t\u00e9l\u00e9phone avec un conseiller ou via l\u2019application Papernest.<\/li>\n<li class=\"li1\">Vous recevez un devis personnalis\u00e9 par email.<\/li>\n<li class=\"li14\">Une fois votre offre choisie, nous nous occupons de vous assurer en un temps record.<\/li>\n<\/ul>\n<p class=\"p15\">Une fois le contrat sign\u00e9, vous pourrez r\u00e9cup\u00e9rer l\u2019attestation aupr\u00e8s de votre assureur. Elle peut vous \u00eatre transmise de diff\u00e9rentes mani\u00e8res :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">par mail ; <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">par courrier ; <\/span><\/li>\n<li class=\"li1\"><span class=\"s2\">en agence ; <\/span><\/li>\n<li class=\"li5\"><span class=\"s2\">en ligne, via l\u2019espace personnel. <\/span><\/li>\n<\/ul>\n<p class=\"p6\">Les risques en cas d&rsquo;absence d&rsquo;assurance<\/p>\n<p class=\"p7\">Exemples et avantages avec son assurance<\/p>\n<p class=\"p1\">M\u00eame s\u2019il est possible de se d\u00e9faire de toute responsabilit\u00e9, il faudra prouver un cas de force majeur ou une faute de la victime. Ce n\u2019est pas chose facile et cela peut prendre beaucoup de temps. Ainsi, le fait de souscrire \u00e0 une responsabilit\u00e9 civile permet de ne pas se soucier des incidents de la vie du quotidien.<\/p>\n<p class=\"p1\">Par exemple, si vous avez souscrit \u00e0 une assurance, votre attestation de responsabilit\u00e9 civile peut couvrir :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Le cas d\u2019un vase cass\u00e9 par votre enfant dans un magasin.<\/li>\n<li class=\"li1\">Le cas d\u2019une enceinte de musique endommag\u00e9e lors d\u2019une soir\u00e9e.<\/li>\n<li class=\"li1\">Le cas d\u2019un accident domestique, type br\u00fblure caus\u00e9e par une casserole bouillante.<\/li>\n<li class=\"li1\">Le cas de votre chien qui mord votre voisin.<\/li>\n<\/ul>\n<p class=\"p1\">Par ailleurs, la responsabilit\u00e9 civile comporte une garantie D\u00e9fense ainsi qu\u2019une garantie Recours. Celles-ci prennent en charge les frais engag\u00e9s lorsqu\u2019une action est men\u00e9e contre l\u2019assur\u00e9, qu\u2019elle soit victime ou responsable de l\u2019accident.<\/p>\n<table class=\"t1\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\">Bon \u00e0 savoir<\/p>\n<p class=\"p1\">Concernant les animaux, il est judicieux de v\u00e9rifier que vous disposez d\u2019une <b>attestation de responsabilit\u00e9 civile d\u2019animaux<\/b>. Si par exemple, vous acceptez de garder le chien de votre ami et que celui-ci mord votre voisin, vous serez tenu responsable de l\u2019animal, et ce, m\u00eame si celui-ci s\u2019est \u00e9chapp\u00e9 ou a \u00e9t\u00e9 perdu.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"p7\">Exemples et cons\u00e9quences financi\u00e8res sans assurance<\/p>\n<p class=\"p1\">M\u00eame si dans la majorit\u00e9 des cas, il n\u2019est pas obligatoire de souscrire \u00e0 une <b>assurance de responsabilit\u00e9 civile<\/b>, cela est vivement recommand\u00e9. Pourquoi ? Pour la simple et bonne raison qu\u2019en cas de dommages mat\u00e9riels, immat\u00e9riels ou corporels caus\u00e9s \u00e0 des tiers ou \u00e0 ses biens, votre responsabilit\u00e9 civile est engag\u00e9e. Vous \u00eates donc tenu par la loi de r\u00e9parer ces dommages par le versement, depuis votre compte bancaire personnel, d\u2019une indemnit\u00e9 financi\u00e8re.<\/p>\n<p class=\"p1\">M\u00eame si on ne le souhaite pas, un dommage est bien vite arriv\u00e9. Par exemple :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Vous blessez un membre de votre club sportif.<\/li>\n<li class=\"li1\">Vous faites tomber et cassez le smartphone d\u2019un ami.<\/li>\n<li class=\"li1\">Votre enfant brise la fen\u00eatre de l\u2019\u00e9cole en jouant au ballon.<\/li>\n<li class=\"li14\">En skiant, vous blessez un autre skieur.<\/li>\n<\/ul>\n<p class=\"p15\">Si l\u2019un de ces sc\u00e9narios se produit et que vous n\u2019avez pas d\u2019assurance, vous devez prendre en charge l\u2019int\u00e9gralit\u00e9 des cons\u00e9quences financi\u00e8res :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\">Remboursement du bien mat\u00e9riel endommag\u00e9. <\/span><\/li>\n<li class=\"li14\"><span class=\"s2\">Frais d\u2019hospitalisation et de r\u00e9\u00e9ducation de la victime ou de l\u2019animal. <\/span><\/li>\n<\/ul>\n<p class=\"p17\">\u00c9vitez tout <b>risque avec une attestation de responsabilit\u00e9 civile<\/b> !<\/p>\n<p class=\"p7\">Dommages non garantis<\/p>\n<p class=\"p1\">Si vous disposez d\u2019une attestation de responsabilit\u00e9 comprise dans un contrat multirisques habitation, sachez que certains dommages ne sont pas pris en charge, parmi eux :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Les dommages que l\u2019on se cause \u00e0 soi-m\u00eame.<\/li>\n<li class=\"li1\">Les dommages que l\u2019on cause \u00e0 ses proches.<\/li>\n<li class=\"li1\">Les dommages occasionn\u00e9s dans un cadre professionnel.<\/li>\n<li class=\"li1\">Les dommages que l\u2019on cause de mani\u00e8re intentionnelle.<\/li>\n<li class=\"li1\">Les dommages caus\u00e9s par un v\u00e9hicule \u00e0 moteur. Ceux-ci doivent \u00eatre pris en charge par une assurance sp\u00e9ciale automobile.<\/li>\n<li class=\"li1\">Les dommages provoqu\u00e9s par un chien de cat\u00e9gorie 1 (chien d\u2019attaque) et 2 (chien de d\u00e9fense et de garde). Dans ce cas pr\u00e9cis, il est obligatoire d\u2019avoir une <b>attestation de responsabilit\u00e9 civile chien<\/b>. Il s\u2019agit d\u2019une assurance particuli\u00e8re pour les chiens qualifi\u00e9s comme dangereux.<\/li>\n<\/ul>\n<p class=\"p13\">Si l\u2019une de ces situations se produit, l\u2019individu \u00e0 l\u2019origine du dommage devra personnellement r\u00e9parer le pr\u00e9judice. Toutefois, certains de ces dommages peuvent \u00eatre couverts par un contrat sp\u00e9cifique, tel que l\u2019assurance responsabilit\u00e9 civile professionnelle.<\/p>\n<p class=\"p6\">FAQ :<\/p>\n<p class=\"p7\">&#8211; O\u00f9 trouver mon attestation de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p10\">Dans la majorit\u00e9 des cas, l\u2019attestation de responsabilit\u00e9 civile est d\u00e9livr\u00e9e en souscrivant \u00e0 un contrat d\u2019assurance multirisques habitation (MRH). L\u2019assur\u00e9 peut la recevoir, au moment de la signature avec le contrat associ\u00e9, ou plus tard, quand il le souhaite. Il lui suffira d\u2019en faire la demande par mail, par courrier, directement en agence ou simplement en ligne, via son espace personnel.<\/p>\n<p class=\"p7\">&#8211; Quelle diff\u00e9rence en responsabilit\u00e9 civile habitation et vie priv\u00e9e ?<\/p>\n<p class=\"p1\">La responsabilit\u00e9 civile vie priv\u00e9e couvre les dommages mat\u00e9riels, immat\u00e9riels et corporels caus\u00e9s \u00e0 un tiers ou \u00e0 ses biens. Par ailleurs, celle-ci s\u2019applique dans la cadre de la vie priv\u00e9e ou d\u2019activit\u00e9s sportives ou de loisirs.<\/p>\n<p class=\"p10\">De son c\u00f4t\u00e9, la responsabilit\u00e9 civile habitation concerne les biens immobiliers et est incluse dans un contrat d\u2019assurance habitation. Elle permet de couvrir les dommages caus\u00e9s \u00e0 des voisins ou \u00e0 un tiers, \u00e0 cause d\u2019un <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/incendie\/\">incendie<\/a>, d\u2019une explosion ou un <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/sinistre\/degat-des-eaux\/\">d\u00e9g\u00e2t des eaux<\/a> issus du bien immobilier dont on est propri\u00e9taire. En revanche, en tant que locataire, la responsabilit\u00e9 civile habitation ne prend pas en charge les dommages caus\u00e9s par soi-m\u00eame ou une personne sous sa responsabilit\u00e9, \u00e0 la suite d&rsquo;un incendie, d\u2019une explosion ou d\u2019un d\u00e9g\u00e2t des eaux.<\/p>\n<p class=\"p7\">&#8211; O\u00f9 se trouve le num\u00e9ro de responsabilit\u00e9 civile ?<\/p>\n<p class=\"p1\">Le num\u00e9ro de police d\u2019assurance responsabilit\u00e9 civile se trouve \u00e0 plusieurs endroits :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">en ligne, dans son espace personnel ;<\/li>\n<li class=\"li1\">sur son avis d\u2019\u00e9ch\u00e9ance ;<\/li>\n<li class=\"li1\">sur son contrat d\u2019assurance initial ;<\/li>\n<li class=\"li1\">sur son attestation d\u2019assurance ;<\/li>\n<li class=\"li1\">sur sa carte verte ;<\/li>\n<li class=\"li1\">sur la majorit\u00e9 des documents re\u00e7us de l\u2019assureur.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Qu&rsquo;est-ce que l&rsquo;attestation de responsabilit\u00e9 civile ? Le r\u00f4le de l&rsquo;assurance de responsabilit\u00e9 civile L\u2019assurance de responsabilit\u00e9 civile, aussi appel\u00e9e RC, est un contrat couvrant les cons\u00e9quences encourues par l\u2019assur\u00e9, dans le cadre de sa responsabilit\u00e9 civile, pour tout dommage caus\u00e9 \u00e0 un tiers ou \u00e0 ses biens. Lors de la signature du contrat, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/responsabilite-civile\/\" class=\"more-link\">Continuer la lecture<span class=\"screen-reader-text\"> de &laquo;&nbsp;\u00a0Qu\u2019est-ce que l\u2019attestation de responsabilit\u00e9 civile et que couvre-t-elle ?&nbsp;&raquo;<\/span><\/a><\/p>\n","protected":false},"author":1094,"featured_media":0,"parent":305,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00a0Qu\u2019est-ce que l\u2019attestation de responsabilit\u00e9 civile et que couvre-t-elle ?<\/title>\n<meta name=\"description\" content=\"L\u2019attestation de responsabilit\u00e9 civile prouve qu\u2019un individu est couvert au titre de sa responsabilit\u00e9 civile. 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trouver mon attestation de responsabilit\u00e9 civile ?","Quelle diff\u00e9rence en responsabilit\u00e9 civile habitation et vie priv\u00e9e ?","O\u00f9 se trouve le num\u00e9ro de responsabilit\u00e9 civile ?"],"papernest-faq-answers":["<p class=\"p10\">Dans la majorit\u00e9 des cas, l\u2019attestation de responsabilit\u00e9 civile est d\u00e9livr\u00e9e en souscrivant \u00e0 un contrat d\u2019assurance multirisques habitation (MRH). L\u2019assur\u00e9 peut la recevoir, au moment de la signature avec le contrat associ\u00e9, ou plus tard, quand il le souhaite. Il lui suffira d\u2019en faire la demande par mail, par courrier, directement en agence ou simplement en ligne, via son espace personnel.<\/p>\n","<p class=\"p1\">La responsabilit\u00e9 civile vie priv\u00e9e couvre les dommages mat\u00e9riels, immat\u00e9riels et corporels caus\u00e9s \u00e0 un tiers ou \u00e0 ses biens. Par ailleurs, celle-ci s\u2019applique dans la cadre de la vie priv\u00e9e ou d\u2019activit\u00e9s sportives ou de loisirs.<\/p>\n<p class=\"p10\">De son c\u00f4t\u00e9, la responsabilit\u00e9 civile habitation concerne les biens immobiliers et est incluse dans un contrat d\u2019assurance habitation. Elle permet de couvrir les dommages caus\u00e9s \u00e0 des voisins ou \u00e0 un tiers, \u00e0 cause d\u2019un incendie, d\u2019une explosion ou un d\u00e9g\u00e2t des eaux issus du bien immobilier dont on est propri\u00e9taire. En revanche, en tant que locataire, la responsabilit\u00e9 civile habitation ne prend pas en charge les dommages caus\u00e9s par soi-m\u00eame ou une personne sous sa responsabilit\u00e9, \u00e0 la suite d'un incendie, d\u2019une explosion ou d\u2019un d\u00e9g\u00e2t des eaux.<\/p>\n","<p class=\"p1\">Le num\u00e9ro de police d\u2019assurance responsabilit\u00e9 civile se trouve \u00e0 plusieurs endroits :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">en ligne, dans son espace personnel ;<\/li>\n<li class=\"li1\">sur son avis d\u2019\u00e9ch\u00e9ance ;<\/li>\n<li class=\"li1\">sur son contrat d\u2019assurance initial ;<\/li>\n<li class=\"li1\">sur son attestation d\u2019assurance ;<\/li>\n<li class=\"li1\">sur sa carte verte ;<\/li>\n<li class=\"li1\">sur la majorit\u00e9 des documents re\u00e7us de l\u2019assureur.<\/li>\n<\/ul>\n"]},"_links":{"self":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/256"}],"collection":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/users\/1094"}],"replies":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/comments?post=256"}],"version-history":[{"count":23,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/256\/revisions"}],"predecessor-version":[{"id":1264,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/256\/revisions\/1264"}],"up":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/305"}],"wp:attachment":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/media?parent=256"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/tags?post=256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}