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French to English translations [PRO] Bus/Financial - Insurance / Vehicle leasing insurance policy
French term or phrase:vous est acquise
En cas d'accident de la circulation lorsque la Responsabilité Civile vous est acquise, votre défense Civile est assumée par l'Assureur devant toutes juridictions en cas d'action judiciaire mettant en jeu simultanément vos intérêts et les nôtres.
My hunch: ....where you are held to be civilly liable
Explanation: https://www.rentazur.fr/documents/assurance_cg.pdf En cas d’accident* de la circulation lorsque la [garantie] Responsabilité Civile prévue à l’article 1 vous est acquise, nous assumons votre défense civile devant toutes juridictions en cas d’action judiciaire mettant en jeu simultanément vos intérêts et les nôtres.
Si votre responsabilité est mise en cause et si la garantie de votre contrat vous est acquise, nous assumons votre « Défense civile » dans les conditions prévues à l’article 2. Ainsi, nous prenons en charge les frais de procès, de quittance, et autres frais de règlement.
Here, "La Responsabilité Civile" means "La garantie Responsabilité Civile" [ie liability insurance]. It doesn't mean "liability".
Yes, it may be a US vs. UK difference. If it is, then as translators we should consider the audience -- if it's strictly the UK, then apparently it's fine to say "held liable"; if it's anything else (US, Canada, worldwide, unknown...), then we should use a term that doesn't mean two different things depending on which EN-speaking country you're in.
At least in the US, holding someone liable or finding someone liable are things that courts do at the conclusion of proceedings (trial or otherwise -- proceedings can end at summary judgment, well before a trial would've occurred, if the facts are so clear that it's possible to reach a conclusion that early).
This policy seems to be talking about situations in which the insurer will undertake to defend the insured. That happens, of course, much earlier, typically even before the injured party files a lawsuit. It happens shortly after the filing of a claim, as soon as the insurer determines that the claim as filed arguably falls within the policy's coverage. That is of course much earlier than any point at which the party accused of causing the harm could be held/found liable for it.
So I agree with the "coverage applies" translation.
There seems to be a problem with what you understand by the term "held liable". Usually your answers are so rigorous that I'm wondering whether this might be a transatlantic difference. In the UK you are "held liable" well before anyone has passed a judgment.
And/or... the reason for your views differing on this might be that you are considering the expression in terms of its use by a judge. But its use in T&Cs of an insurance policy doesn't mean "you have been found to be liable" (not in the UK anyway). It means a party (the other driver's insurance company) is accusing you of being at fault.
Technically you do have to go to court to be "held liable," although your insurance company can settle a case by agreement with the insurer of whoever you hit.
But that's actually beside the point, because either way, these things -- being held liable, or reaching agreement for settlement -- are not what the original text is talking about. The text isn't talking about the ultimate outcome of the case. It's talking about your insurance company providing a defense for you at the OUTSET of the case.
In other words, if you have an accident that appears to be covered by your civil liability insurance, then your insurer will provide a defense. They'll provide and pay for a lawyer to represent you in the case. Obviously that happens early on, as soon as the insurer is notified of the accident -- not at the end of the case; not at the point where you're held liable or you settle.
You're right abour R.C. - it's not simply the concept, but the actual cover (US coverage) provided This is how it's defined in my focument:
Responsabilité Civile Cette garantie couvre tous les risques de Responsabilité Civile en et hors circulation : - Dommages Corporels : Sans limitation de somme - Dommages Matériel et Immatériels consécutifs : (Then it goes on to specify limits ib certain cases)
ph-b (X)
France
(la garantie) Responsabilité Civile
09:13 Dec 20, 2022
Re: "The problem with Civil Liability (cover/coverage) applies is that it doesn't say either "couverture" or "assurance"."
It does implicitly. Responsabilité Civile is capitalised. In an insurance text, that always refers to la garantie Responsabilité Civile (not to mention that it is probably defined elsewhere).
In other words: "la [garantie] Responsabilité Civile [de l'Assureur] vous est acquise [en vertu du Contrat etc.]"
You don't have to go to court to be held liable. I went into the back of someone else and was held liable by agreement between their insurance company and mine.
If the responsabililté is acquise, that would seem to say that you are definitely liable, whereas the actual situation is merely that someone else is trying to hold you liable, rightly or wrongly.
I would trust the native speaker here (Cyril) and remember that contracts are not always worded with the kind of clarity of expression that we as foreigners would like to see.
To be absolutely certain, however, I would check the rest of the policy to see whether the relevant cover is an add-on that not all policyholders will have purchased.
Cyril's reading convinces me. I agree with his suggested translation, but if you were so inclined, you could write "if you have Civil Liability" and so reproduce the imprecision of the French, i.e. leave the "coverage" implied.
Explanation: https://www.rentazur.fr/documents/assurance_cg.pdf En cas d’accident* de la circulation lorsque la [garantie] Responsabilité Civile prévue à l’article 1 vous est acquise, nous assumons votre défense civile devant toutes juridictions en cas d’action judiciaire mettant en jeu simultanément vos intérêts et les nôtres.
Si votre responsabilité est mise en cause et si la garantie de votre contrat vous est acquise, nous assumons votre « Défense civile » dans les conditions prévues à l’article 2. Ainsi, nous prenons en charge les frais de procès, de quittance, et autres frais de règlement.
Here, "La Responsabilité Civile" means "La garantie Responsabilité Civile" [ie liability insurance]. It doesn't mean "liability".
Cyril Tollari France Local time: 18:31 Native speaker of: French PRO pts in category: 4