{"id":2872,"date":"2025-05-13T14:55:05","date_gmt":"2025-05-13T12:55:05","guid":{"rendered":"https:\/\/www.nbi-ngf.ch\/?page_id=2872"},"modified":"2026-01-19T15:26:46","modified_gmt":"2026-01-19T14:26:46","slug":"droit-bna","status":"publish","type":"page","link":"https:\/\/www.nbi-ngf.ch\/fr\/a-propos-de-nous\/bna\/droit-bna\/","title":{"rendered":"Droit BNA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2872\" class=\"elementor elementor-2872 elementor-475\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9127068 e-con-full header-container e-flex e-con e-parent\" data-id=\"9127068\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t<div class=\"elementor-element elementor-element-b6b9835 e-con-full e-flex e-con e-child\" data-id=\"b6b9835\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6b0354 e-con-full header-text e-flex e-con e-child\" data-id=\"e6b0354\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be394aa elementor-align-left elementor-widget elementor-widget-breadcrumbs\" data-id=\"be394aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span class=\"breadcrumb-item\">Home<\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c91cc3 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2c91cc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Droit BNA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98a6d41 anchor-menu e-flex e-con-boxed e-con e-parent\" data-id=\"98a6d41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:90,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27a06c7 elementor-widget elementor-widget-button\" data-id=\"27a06c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#legislation-BNA\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">L\u00e9gislation BNA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42f1509 elementor-widget elementor-widget-button\" data-id=\"42f1509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#assureur\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Assureur ap\u00e9riteur et si\u00e8ge social<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d400094 elementor-widget elementor-widget-button\" data-id=\"d400094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#statuts\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Statuts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-054b996 elementor-widget elementor-widget-button\" data-id=\"054b996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#autorites\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Autorit\u00e9s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d647b84 elementor-widget elementor-widget-button\" data-id=\"d647b84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#legitimation-passive\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">L\u00e9gitimation passive<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c7861cd e-flex e-con-boxed e-con e-parent\" data-id=\"2c7861cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4f06d1 elementor-widget elementor-widget-spacer\" data-id=\"1c4f06d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30b714c e-flex e-con-boxed e-con e-parent\" data-id=\"30b714c\" data-element_type=\"container\" data-e-type=\"container\" id=\"legislation-BNA\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8ffb532 e-con-full e-flex e-con e-child\" data-id=\"8ffb532\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-995b718 elementor-widget elementor-widget-heading\" data-id=\"995b718\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L\u00e9gislation BNA<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02d87c3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"02d87c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccff64b elementor-widget elementor-widget-text-editor\" data-id=\"ccff64b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les institutions d&rsquo;assurance autoris\u00e9es \u00e0 exercer leur activit\u00e9 en Suisse dans le secteur de l&rsquo;assurance-responsabilit\u00e9 civile pour v\u00e9hicules automobiles constituent et exploitent en commun le Bureau National d&rsquo;Assurance.\u00a0Le BNA est une association et dot\u00e9 de la personnalit\u00e9 juridique. Les dispositions fondamentales sur l\u2019organisation, les t\u00e2ches et le financement du BNA sont contenues dans les art. 74 ss de la Loi sur la circulation routi\u00e8re (LCR) et les art. 39 ss de l\u2019Ordonnance sur l\u2019assurance des v\u00e9hicules (OAV).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ddb2c elementor-widget elementor-widget-text-editor\" data-id=\"b8ddb2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le Bureau National Suisse d&rsquo;Assurance prend en charge les t\u00e2ches du Bureau National d&rsquo;Assurance du Liechtenstein.<\/p><p>Les t\u00e2ches l\u00e9gales du BNA consistent \u00e0 couvrir les accidents caus\u00e9s par des v\u00e9hicules automobiles ou des remorques \u00e9trangers, dans la mesure o\u00f9 il existe une obligation d&rsquo;assurance pr\u00e9vue par la LCR (art. 74 al. 2 let. a LCR).<\/p><p>En plus, le BNA exploite l\u2019Organisme national d\u2019information (art. 74 al. 2 let. b LCR) et coordonne la conclusion d&rsquo;assurances-fronti\u00e8re. Les v\u00e9hicules automobiles entrant en Suisse et au Liechtenstein qui ne disposent pas de l&rsquo;assurance n\u00e9cessaire doivent conclure une telle assurance (art. 74 al. 2 let. c LCR).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-423aed2 btn_60 elementor-widget elementor-widget-button\" data-id=\"423aed2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1959\/679_705_685\/fr#a74\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Loi sur la circulation routi\u00e8re LCA (Article 74)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f295e2e btn_60 elementor-widget elementor-widget-button\" data-id=\"f295e2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1959\/1271_1321_1317\/fr#a39\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">L'Ordonnance sur l'assurance des v\u00e9hicules OAV (Articles 39 ss)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e9178a e-con-full e-flex e-con e-child\" data-id=\"6e9178a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-375a9ca e-flex e-con-boxed e-con e-parent\" data-id=\"375a9ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daf75df elementor-widget elementor-widget-spacer\" data-id=\"daf75df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee40b12 e-flex e-con-boxed e-con e-parent\" data-id=\"ee40b12\" data-element_type=\"container\" data-e-type=\"container\" id=\"assureur\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-752fc37 e-con-full e-flex e-con e-child\" data-id=\"752fc37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18872e9 elementor-widget elementor-widget-heading\" data-id=\"18872e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assureur ap\u00e9riteur et si\u00e8ge social<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e60b9ed elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e60b9ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b23c09 elementor-widget elementor-widget-text-editor\" data-id=\"4b23c09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La loi permet au\u00a0BNA de confier \u00e0 ses membres ou \u00e0 des tiers l&rsquo;ex\u00e9cution des t\u00e2ches qui lui incombent et de nommer un assureur ap\u00e9riteur. Depuis la fondation du BNA, les t\u00e2ches techniques de l&rsquo;association sont\u00a0ex\u00e9cut\u00e9es par la Zurich Compagnie d&rsquo;assurances SA.<\/p><p>Le si\u00e8ge du\u00a0BNA est situ\u00e9 au si\u00e8ge de l&rsquo;assureur ap\u00e9riteur \u00e0 Zurich. Le\u00a0BNA dispose\u00a0de deux succursales \u00e0 Lausanne et \u00e0 Lugano.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cb0132 btn_60 elementor-widget elementor-widget-button\" data-id=\"0cb0132\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.zurich.ch\/fr\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Zurich Compagnie d'Assurances SA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6abf656 e-con-full e-flex e-con e-child\" data-id=\"6abf656\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28200b4 e-flex e-con-boxed e-con e-parent\" data-id=\"28200b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41a3573 elementor-widget elementor-widget-spacer\" data-id=\"41a3573\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4da1266 e-flex e-con-boxed e-con e-parent\" data-id=\"4da1266\" data-element_type=\"container\" data-e-type=\"container\" id=\"statuts\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a77e083 e-con-full e-flex e-con e-child\" data-id=\"a77e083\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94b63a7 elementor-widget elementor-widget-heading\" data-id=\"94b63a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Statuts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c94f7f6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c94f7f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75b4fa6 elementor-widget elementor-widget-text-editor\" data-id=\"75b4fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La composition, les t\u00e2ches et les attributions des organes du BNA sont r\u00e9gies par les statuts du BNA.\u00a0Les organes\u00a0sont l&rsquo;assembl\u00e9e des membres, le comit\u00e9 de direction et l&rsquo;organe de r\u00e9vision.\u00a0L&rsquo;organe de r\u00e9vision est \u00e9lu pour une dur\u00e9e d&rsquo;une ann\u00e9e par l&rsquo;Assembl\u00e9e des membres. Sont \u00e9ligibles en qualit\u00e9 d&rsquo;organe de r\u00e9vision les entreprises de r\u00e9vision soumises \u00e0 la surveillance de l&rsquo;Etat conform\u00e9ment aux prescriptions de la Loi sur la surveillance de la r\u00e9vision.<\/p><p>L&rsquo;art. 1 al. 1 des statuts du BNA pr\u00e9voit que le BNA prend la forme juridique d&rsquo;une association au sens des art. 60 ss du Code civil suisse (CC).<\/p><p>Selon l&rsquo;art. 60 al. 2 CC, les statuts doivent prendre la forme \u00e9crite et contenir les dispositions n\u00e9cessaires sur le but, les ressources et l&rsquo;organisation de l&rsquo;association. L&rsquo;art. 55 al. 1 de l&rsquo;Ordonnance sur l&rsquo;assurance des v\u00e9hicules (OAV) pr\u00e9voit que les statuts du BNA ainsi que leurs modifications requi\u00e8rent l&rsquo;approbation de l&rsquo;autorit\u00e9 de surveillance, l&rsquo;Office f\u00e9d\u00e9ral des routes (OFROU).<\/p><p>Les status du\u00a0BNA sont entr\u00e9s en vigueur le 28 ao\u00fbt 2003. Le 20 mai 2022 ils ont \u00e9t\u00e9 r\u00e9vis\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e472aa8 btn_60 elementor-widget elementor-widget-button\" data-id=\"e472aa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.nbi-ngf.ch\/fr\/statuten_nvb_vom_20052022\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Statuts du BNA (Allemand)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-809671a e-con-full e-flex e-con e-child\" data-id=\"809671a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7633912 e-flex e-con-boxed e-con e-parent\" data-id=\"7633912\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7b2b3b elementor-widget elementor-widget-spacer\" data-id=\"b7b2b3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4022b4 e-flex e-con-boxed e-con e-parent\" data-id=\"d4022b4\" data-element_type=\"container\" data-e-type=\"container\" id=\"autorites\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20776b0 e-con-full e-flex e-con e-child\" data-id=\"20776b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cf169 elementor-widget elementor-widget-heading\" data-id=\"e9cf169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Autorit\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a27d53 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4a27d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa2ed9f elementor-widget elementor-widget-text-editor\" data-id=\"aa2ed9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le BNA est soumis \u00e0 la surveillance de l&rsquo;Office f\u00e9d\u00e9ral des routes (art. 76b al. 2 de la Loi sur la circulation routi\u00e8re LCR). Le&nbsp;Bureau National d&rsquo;Assurance du Liechtenstein, dont les t\u00e2ches sont prises en charge par le&nbsp;Bureau National Suisse d&rsquo;Assurance, est soumis \u00e0 la surveillance du Gouvernement du Liechtenstein (art. 72b al. 2 LCR-FL).<\/p>\n<p>Le montant des contributions dues par les propri\u00e9taires&nbsp;de v\u00e9hicules \u00e0 moteur pour couvrir les d\u00e9penses du&nbsp;BNA est fix\u00e9 par ce dernier. Ce montant doit \u00eatre approuv\u00e9 par l&rsquo;Autorit\u00e9 Suisse de Surveillance des March\u00e9s Financiers (art. 76a al. 2 LCR) et le Gouvernement du Liechtenstein (art. 72a al. 2 LCR-FL).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17c49e1 btn_60 elementor-widget elementor-widget-button\" data-id=\"17c49e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.astra.admin.ch\/astra\/fr\/home.html\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Office f\u00e9d\u00e9ral des routes OFROU<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd7448 btn_60 elementor-widget elementor-widget-button\" data-id=\"3bd7448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fma-li.li\/de\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Surveillance des march\u00e9s financiers du Liechtenstein FMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f808c12 btn_60 elementor-widget elementor-widget-button\" data-id=\"f808c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.finma.ch\/fr\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Autorit\u00e9 f\u00e9d\u00e9rale de surveillance des march\u00e9s financiers FINMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63feae6 e-con-full e-flex e-con e-child\" data-id=\"63feae6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa168cc e-flex e-con-boxed e-con e-parent\" data-id=\"fa168cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1e5c7a elementor-widget elementor-widget-spacer\" data-id=\"e1e5c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ef5f9a e-flex e-con-boxed e-con e-parent\" data-id=\"1ef5f9a\" data-element_type=\"container\" data-e-type=\"container\" id=\"legitimation-passive\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8270649 e-con-full e-flex e-con e-child\" data-id=\"8270649\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94c56b6 elementor-widget elementor-widget-heading\" data-id=\"94c56b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L\u00e9gitimation passive<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64bb205 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"64bb205\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5d6eae elementor-widget elementor-widget-text-editor\" data-id=\"e5d6eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En cas de proc\u00e8s pour des pr\u00e9tentions d\u00e9coulant d&rsquo;un accident de la circulation, la l\u00e9gitimation passive revient au BNA (<span style=\"font-size: 1rem;\">art. 74 al. 2 let. a LCR et\u00a0<\/span><span style=\"font-size: 1rem;\">art. 76b al. 1 LCR). En d&rsquo;autres termes, une \u00e9ventuelle action doit \u00eatre dirig\u00e9e contre le BNA\u00a0et non pas contre son repr\u00e9sentant tel que la Zurich, une soci\u00e9t\u00e9 membre ou une entreprise de r\u00e8glement de sinistres.<\/span><\/p><p>En vertu de l&rsquo;art. 38 du Code de proc\u00e9dure civile (CPC), sont comp\u00e9tents les tribunaux suivant:<\/p><ul><li>le tribunal du lieu de l&rsquo;accident<\/li><li>le tribunal\u00a0du domicile ou du si\u00e8ge social du d\u00e9fendeur<\/li><li>le tribunal du lieu o\u00f9 le BNA\u00a0dispose d&rsquo;une succursale \u00a0<\/li><\/ul><p>Les tribunaux comp\u00e9tents pour les personnes ayant leur domicile dans la Principaut\u00e9 de Liechtenstein sont, en plus de ceux du lieu de l&rsquo;accident, ceux du lieu du domicile de la partie demanderesse au Liechtenstein, de m\u00eame que ceux du si\u00e8ge social ou d&rsquo;une succursale du BNA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c55c0c6 e-con-full e-flex e-con e-child\" data-id=\"c55c0c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0322ca e-flex e-con-boxed e-con e-parent\" data-id=\"e0322ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fca3bf3 elementor-widget elementor-widget-spacer\" data-id=\"fca3bf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>L\u00e9gislation BNA Assureur ap\u00e9riteur et si\u00e8ge social Statuts Autorit\u00e9s L\u00e9gitimation passive L\u00e9gislation BNA Les institutions d&rsquo;assurance autoris\u00e9es \u00e0 exercer leur activit\u00e9 en Suisse dans le secteur de l&rsquo;assurance-responsabilit\u00e9 civile pour v\u00e9hicules automobiles constituent et exploitent en commun le Bureau National d&rsquo;Assurance.\u00a0Le BNA est une association et dot\u00e9 de la personnalit\u00e9 juridique. Les dispositions fondamentales sur [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2870,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2872","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Droit BNA - Nationales Versicherungsb\u00fcro | Nationaler Garantiefonds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nbi-ngf.ch\/fr\/a-propos-de-nous\/bna\/droit-bna\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Droit BNA - Nationales Versicherungsb\u00fcro | Nationaler Garantiefonds\" \/>\n<meta property=\"og:description\" content=\"L\u00e9gislation BNA Assureur ap\u00e9riteur et si\u00e8ge social Statuts Autorit\u00e9s L\u00e9gitimation passive L\u00e9gislation BNA Les institutions d&rsquo;assurance autoris\u00e9es \u00e0 exercer leur activit\u00e9 en Suisse dans le secteur de l&rsquo;assurance-responsabilit\u00e9 civile pour v\u00e9hicules automobiles constituent et exploitent en commun le Bureau National d&rsquo;Assurance.\u00a0Le BNA est une association et dot\u00e9 de la personnalit\u00e9 juridique. 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