{"id":1955,"date":"2026-09-22T09:05:00","date_gmt":"2026-09-22T01:05:00","guid":{"rendered":"http:\/\/taiwandelivery.com\/zh\/?p=1923"},"modified":"2026-10-03T11:48:45","modified_gmt":"2026-10-03T03:48:45","slug":"assurance-commerciale-vs-assurance-professionnelle-rider-22-09-2026","status":"publish","type":"post","link":"https:\/\/taiwandelivery.com\/fr\/assurance-commerciale-vs-assurance-professionnelle-rider-22-09-2026\/","title":{"rendered":"Le fait que les livreurs b\u00e9n\u00e9ficient d'une assurance professionnelle fournie par la plateforme \u00e9quivaut-il \u00e0 une assurance contre les accidents du travail ?"},"content":{"rendered":"<p>Les livreurs confondent souvent l'assurance collective contre les accidents corporels, l'assurance responsabilit\u00e9 civile et l'assurance contre les accidents du travail propos\u00e9es par la plateforme. Bien que leurs noms soient similaires, les assur\u00e9s, le champ d'application et les conditions d'indemnisation peuvent varier ; il ne suffit donc pas de se contenter de demander \u00ab s'il y a une assurance \u00bb.<\/p>\n<h2>Commencez par d\u00e9terminer la source de la couverture<\/h2>\n<p>L'article 10 de la loi sp\u00e9cifique sur la livraison \u00e0 domicile pr\u00e9voit que les plateformes doivent souscrire une assurance collective contre les accidents corporels et une assurance responsabilit\u00e9 civile. En ce qui concerne l'assurance accidents du travail, il convient de v\u00e9rifier la situation en fonction de la relation juridique entre le livreur et la plateforme, des informations r\u00e9elles relatives \u00e0 la souscription et des dispositions applicables en mati\u00e8re d'assurance accidents du travail ; une police d'assurance ne remplace pas automatiquement l'autre.<\/p>\n<h2>V\u00e9rifier les informations plut\u00f4t que de deviner l'identit\u00e9<\/h2>\n<p>Rassemblez votre contrat de service, vos relev\u00e9s d'assurance et les documents fournis par la plateforme, puis v\u00e9rifiez la p\u00e9riode de couverture, les types d'accidents couverts et les interlocuteurs \u00e0 contacter pour chaque police d'assurance. Si vous n'\u00eates pas certain d'\u00eatre couvert par l'assurance accidents du travail, vous pouvez vous en assurer via les canaux officiels de consultation de l'Office de la s\u00e9curit\u00e9 sociale.<\/p>\n<h2>Apr\u00e8s un accident, ne faites pas seulement une d\u00e9claration \u00e0 l'une des parties<\/h2>\n<p>Apr\u00e8s un accident, conservez les informations relatives \u00e0 la commande, aux blessures ou aux dommages caus\u00e9s au v\u00e9hicule, et renseignez-vous aupr\u00e8s de votre assureur et des autorit\u00e9s comp\u00e9tentes en fonction de votre police d'assurance. Ne partez pas du principe que, parce que la plateforme dispose d'une police d'assurance commerciale, elle prendra n\u00e9cessairement en charge tous les frais m\u00e9dicaux, les indemnit\u00e9s d'invalidit\u00e9 ou les dommages caus\u00e9s \u00e0 des tiers.<\/p>\n<p>Source :<a href=\"https:\/\/laws.mol.gov.tw\/FLAW\/PrintFLAWDOC01.aspx?flno=10&amp;id=FL105973\" target=\"_blank\" rel=\"noopener noreferrer\">Minist\u00e8re du Travail : article 10 de la loi sp\u00e9cifique sur les livraisons \u00e0 domicile<\/a>. Pour conna\u00eetre les conditions d'utilisation effectives de la plateforme et les modalit\u00e9s de traitement des cas particuliers, veuillez vous reporter \u00e0 la notification officielle en vigueur.<\/p>","protected":false},"excerpt":{"rendered":"<p>Les livreurs confondent souvent l\u2019assurance collective contre les accidents corporels, l\u2019assurance responsabilit\u00e9 civile et l\u2019assurance contre les accidents du travail propos\u00e9es par les plateformes. Bien que leurs noms soient similaires, les assur\u00e9s, les conditions d\u2019application et les conditions d\u2019indemnisation peuvent varier ; il ne suffit donc pas de se contenter de demander \u00ab s\u2019il y a une assurance \u00bb. Cet article pr\u00e9sente, sur la base de donn\u00e9es officielles, les \u00e9tapes pratiques de v\u00e9rification et les documents \u00e0 conserver.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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