Global reform
The issue of compensation for bodily injury is undoubtedly at a turning point, after a continuous drift and in a different context in recent years: communication from the AFA, draft reform of the civil code, public authorities more attentive than by the past.
We must rethink compensation by placing prevention, harmonization and rehabilitation of victims at the heart of the system.
The Automobile branch is in the interest of insurers with a very broad mutuality and significant reinsurance for serious cases, which encourages a certain laxity. As soon as one leaves this branch, one notices in certain cases the phenomena of crisis or insufficient capacity in branches or circumstances where the mutuality is less important or the guarantees insufficient (Medical Liability , Disasters RC ...) , which shows clearly the limits of the unbridled and unequal nature of compensation .
Given the duration and multiplicity of the problems, it is unlikely that incremental improvements will fundamentally change the current system. Only a new legislation , with a major change in the regulatory approach , integrating the issue of bodily injury globally in all branches, would allow a clear break with a change in practices to address systematically and effectively the set of problems.
The A PREF wants a comprehensive reform of compensation for serious personal , which permett r a i t to achieve several objectives :
Allocate a right to compensation for all traffic users, including the driver.
V nsure an e treatment equitable of all victims of serious personal in all branches and whatever the cause of the disaster, whether treated or liability in branches Accidents
H armoniser evaluation (medical scale , expertise mission capitalization table, not economic framework, method of calculation for the economic ...).
D evelop content life project to contribute to respect for the dignity and citizenship of people with disabilities in society.
In conclusion, APREF joins fully in the process of insurers via the White Paper and wishes the opening of a discussion with all the actor 's concerned with compensation for bodily grave and sharing ant project ambiti them :
For better compensation for serious bodily injuries in France .
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