{"id":819,"date":"2020-05-29T14:27:17","date_gmt":"2020-05-29T12:27:17","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=819"},"modified":"2023-05-26T14:27:32","modified_gmt":"2023-05-26T12:27:32","slug":"un-accident-quelques-conseils-pour-eviter-un-impaye","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/fr\/conseils\/un-accident-quelques-conseils-pour-eviter-un-impaye\/","title":{"rendered":"Un accident? Quelques conseils pour \u00e9viter un impay\u00e9."},"content":{"rendered":"

Un accident? Pas d’inqui\u00e9tude, c’est l’assurance qui paie!<\/strong><\/p>\n\n\n\n

Trop souvent lorsqu’un accident survient, nous nous en remettons aux assurances. Malheureusement, les conditions de remboursement varient selon le type d’accident. Prenons quelques exemples:<\/p>\n\n\n\n

Un accident de travail?<\/strong><\/p>\n\n\n\n

Les accidents de travail sont pris en charge directement par l’assurance de l’employeur d\u00e9s que la d\u00e9claration d’accident a \u00e9t\u00e9 effectu\u00e9e et qu’un num\u00e9ro r\u00e9f\u00e9rence lui a \u00e9t\u00e9 attribu\u00e9. Si vous recevez une facture, v\u00e9rifiez aupr\u00e8s de l’organisme si un dossier a bien \u00e9t\u00e9 introduit par votre employeur. Si la facture est libell\u00e9e \u00e0 votre nom, assurez-vous de la prise en charge par l’assurance. La l\u00e9gislation sur les accidents de travail est tr\u00e8s stricte et les d\u00e9marches varient d’un assureur \u00e0 l’autre. Demandez \u00e0 votre employeur de vous remettre une copie de la d\u00e9claration d’accident. En cas de rappel de paiement, vous disposerez ainsi des informations utiles \u00e0 transmettre par exemple \u00e0 la soci\u00e9t\u00e9 de recouvrement pour contacter votre employeur ou son assurance.<\/p>\n\n\n\n

Un accident scolaire?<\/strong><\/p>\n\n\n\n

Dans la cour de r\u00e9cr\u00e9ation, votre fils a re\u00e7u un ballon de foot en plein visage. Son nez est cass\u00e9 et il est emmen\u00e9 \u00e0 l\u2019h\u00f4pital. Vous remplissez une d\u00e9claration d’accident \u00e0 l’\u00e9cole. Vous recevez une facture de la clinique au nom de votre fils. Vous la transmettez \u00e0 l’\u00e9cole qui vous rassure et certifie que l’assurance va la payer. C’est faux! Pour tous les accidents scolaires, vous devez effectuer le paiement des frais d\u00e9s r\u00e9ception et transmettre les factures acquitt\u00e9es \u00e0 l’\u00e9tablissement scolaire pour qu’ils les transmettent \u00e0 l’assurance pour remboursement. Si vous recevez un rappel de paiement, r\u00e9agissez au plus vite! En cas de non paiement, la soci\u00e9t\u00e9 de recouvrement n’est jamais tr\u00e8s loin et, dans ce cas, les frais de retard seront toujours \u00e0 votre charge.<\/p>\n\n\n\n

Un accident sportif?<\/strong><\/p>\n\n\n\n

Votre fille a fait une mauvaise chute lors d’un match de volley. Son bras est cass\u00e9 et vous allez recevoir la facture pour la pose du pl\u00e2tre au nom de votre fille. Que faire? Si vous faite partie d’un club sportif, vous devez avoir re\u00e7u une carte de membre de ce club ainsi qu’un contrat avec les coordonn\u00e9es de l’assurance, lisez-le attentivement. Souvent, ce type d’assurances fonctionne par indemnisation. Vous devez donc effectuer le paiement de la facture et la transmettre acquitt\u00e9e ensuite \u00e0 l’assurance pour en \u00eatre rembours\u00e9e. Particularit\u00e9 importante: si vous \u00eates sportif professionnel, en cas d’accident, vous rentrez dans la cat\u00e9gorie des accidents de travail.<\/p>\n\n\n\n

Vous disposez d’une assurance compl\u00e9mentaire en soins de sant\u00e9?<\/strong><\/p>\n\n\n\n

Les assurances hospitalisations, ambulatoires, dentaires\u2026 sont des assurances compl\u00e9mentaires \u00e0 votre mutuelle. Chaque organisme a son propre fonctionnement, comme pr\u00e9cis\u00e9 dans un de nos pr\u00e9c\u00e9dents articles. Suivez scrupuleusement les d\u00e9marches reprises dans votre contrat afin de remplir toutes les conditions de remboursement. Si l\u2019h\u00f4pital, l’ambulance ou le dentiste n’est pas pay\u00e9 dans les temps, vous devrez assumer des frais de retard de paiement, bien souvent r\u00e9clam\u00e9s par l’interm\u00e9diaire d’une soci\u00e9t\u00e9 de recouvrement.<\/p>\n\n\n\n

Si, suite \u00e0 un accident, vous recevez un rappel ou une mise en demeure, r\u00e9agissez au plus vite! Munissez-vous des r\u00e9f\u00e9rences de votre accident et assurance et contactez directement votre cr\u00e9ancier ou la soci\u00e9t\u00e9 de recouvrement.<\/p>","protected":false},"excerpt":{"rendered":"

Accident scolaire, sportif ou de travail? Les conditions de remboursement varient et les assurances n’interviennent pas toujours pour tout. Voici quelques exemples qui vous \u00e9viteront peut-\u00eatre un jour de devoir faire face \u00e0 un impay\u00e9.<\/p>","protected":false},"author":2,"featured_media":822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debiteurs"],"yoast_head":"\nUn accident? 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