+ Le chant du vario +

Bonjour,

En Juin cette année j’avais eu un accident. J'ai eu une fermature en l'air et a fini en dessous de ma secours. Heureusement, je n'ai pas été blessé et mon matériel n'a subi aucun dommage. Malheureusement, la société électicité, qui a enlevé mon aile des lignes électriques et a rétabli l'électricité, a affirmé 850E dépenfes.
Après j'ai transmis les revendications à mon assurance - AirCourtage, ils ont payé 350E et m'a laissée avec franchise de 500E à payer. La clause de cette franchise a été inclus dans le contrat d'assurance RC autour d'Octobre 2011 et est passé inaperçu. Peu importe comment ça se passe, tous les dommages sur la terre ont une franchise de 500E avec l'assurance Air Courtage!

En comparaison, l'assurance avec FFCAM a une franchise de 150E seulement, ce qui est plus acceptable.

Peu importe ce que vous prenez une assurance pour l'année 2013, vous devez également prendre la FFVL licence :)

En pièces joint vous trouves le contrat signe par La Réunion Aérienne et FFVL.


Original in English since my french is far from perfect:

Hi,
In June this year I had an accident. I had a collaps in the air and ended up underneath my reserve. Luckily I wasn't hurt and my equipment suffered no damage. Unfortunatly the electicity company, who removed my wing from the electric lines and has restored electricity, claimed 850E expences.
After I forwarded the claims to my insurance - AirCourtage, they paid 350E and left me with 500E franchise to pay. The clause of this franchise was included in the RC insurance contract around October 2011 and went unnoticed. No matter how it happens, all damages on the ground have a franchise of 500E at Air Courtage!!

In comparison, the insurance with FFCAM has a franchise of only 150E, which is more acceptable.

No matter what insurance you take for 2013, you should also take the FFVL licence :)


___________
La correspondence de cette histoire:

___________
Dear Mr Prokic,

Please find enclosed the endorsement stating that a deductible of €500 is applicable on all material damages occured on the ground.

Best regards,

Valériane LORETTE

_________________________________________________________________________________
Dear Mrs Lorette,
  
Could you please provide the paragraph in the conditions of the insurance stating this. I have only found the paragraph stating that the 500e deductible is charged if the damage occurred during landing – but NOT crash landing or FALLING.
  
Everything that flies in the air has to come down and fall to the ground at one point or other. If an accident occurs in air the it is OBVIOUS that most or all the damages are going to be upon impact with ground. I don't know if you have received my photo's of the accident where one can clearly see the deployed emergency reserve parachute, and also I can provide a GPS track log where it is clearly visible that I FELL to the ground and did not land normally.
  
If you still insist on the franchise, I will bring this question up to FFVL and their general assembly as well as the French paragliding community. I will also have to consult a lawyer as to the validity of the claims and possible law suits in court before paying anything.
  
I'm sorry that it has come to this and I think that for the sake of your client's , you should consider revising some of
  
Best wishes,
PRIKIĆ Djordje
 

____________________________
From: Valeriane.LORETTE----------
Sent: lundi 1 octobre 2012 09:40
To: Djordje Prokic
Cc: ---------
Subject: RE: Your accident dated 27/06/2012 - o/ ref. 2012-60005-195 - ACA ref. 2012DI426
  
Dear Mr Prokic,

The deductible included in your Liability insurance is applicable for all damages occured on the ground, including  the damages occured during the landing. The electric lines are on the ground, therefore the deductible is applicable.

Best regards,

Valériane LORETTE
_______________________________________________
La Réunion Aérienne - Direction  Juridique & Sinistres
________________________________________________________________________

"Djordje Prokic" <
25/09/2012 16:55    
A   
Dear Madame Lorette,
 
Please be advised that in the insurance policy between FFVL and your company the 500 Euro deductible clause is only taken into consideration upon normal landing procedure and not in falls from the sky. My accident happened, as described in the report, IN THE AIR. The reserve parachute, which is not controllable, was tossed above the ground and the wind carried me and placed me on top of the electric lines. THIS WAS NOT A VOLONTARY LANDING, therefore the whole accident is to be covered by the insurance.
 
Best regards,
PROKIĆ Djordje
 
From: Valeriane.LORETTE
Sent: mardi 25 septembre 2012 11:01
To: ----------
Cc: -----------
Subject: Your accident dated 27/06/2012 - o/ ref. 2012-60005-195 - ACA ref. 2012DI426
 
Dear Mr Prokic,

Further to your accident in Germany, we received an invoice from Syna, whose materials have been damaged. You will find this document enclosed.

Your Liability insurance includes a deductible of €500. Therefore, our share of the invoice is €351.56. We will pay this amount to Syna by wire transfer within the next few days. We would be grateful if you could proceed to the payment of the remaining €500 directly to Syna as soon as possible.

Please do not hesitate to contact us if you need any further information.

Best regards,

Valériane LORETTE

Oui, j'ai découvert ça en relisant les contrats cette année.  La franchise est passée à 350€ avec le nouveau contrat 2013.

Il vaut mieux le savoir, effectivement...

 "en cas de dommages survenus au sol"
it's all the damage back to the ground, sorry ventus.
Maybe the only way to defend this is if you have NOT receive the contrat modification in october.

That won't work: this amendment is dated October, 2011.  When subscribing for year 2012, one is assumed to have looked up the then-valid conditions (which do include this deductible for all damages occuring on the ground).

Ah bé oui... tout est une question de timing !

Mais si j'ai bien compris, il c'est pris une ligne électrique aérienne. Donc la franchise qui s'applique pour les dommages survenu à terre ne s'applique pas.  :grrr: L'incident a débuter à 200m du sol pour se terminer a une petites 10 de mètre du sol, avant qu'un atterrissage n'ai pu avoir lieu.

Si la ligne électrique avait été enterrée ou même posée à même le sol, il n'y aurai pas eu de frais.

Oui, le libellé exact est:

Il a déjà essayé l'angle "un crash n'est pas un atterrissage".  L'angle "au sol" est intéressant. 

Dans l'esprit, le paragraphe peut se comprendre comme voulant décrire des situations où l'aéronef/le pilote est au sol (mention de courses d'envol, de pente-école...), ce qui n'est pas le cas de cet accident.  Mais ce n'est pas l'esprit qui compte.

Une ligne électrique touche le sol par l'intermédiaire de ses pilônes, mais est-elle "au sol"?  L'eût-elle été effectivement (posée à terre), il n'y aurait probablement pas eu de dommage (et en tous cas pas 850€ de frais pour démêler l'aile et couper/restaurer le courant).

Ca peut peut-être se plaider, si on a envie d'aller en justice pendant des années pour 500€ (les assureurs sont réputés pour avoir de bons avocats).