Barème of the IRSA – IDA Agreement : Understanding Responsibilities in Case of an Accident
The IRSA Convention (Compensation and Recourse for Automobile Accidents) proposes a detailed responsibility scale designed to regulate recourse procedures between insurers in the event of road accidents involving multiple vehicles. This system allows for a faster and more fair management of claims, by predefining responsibilities based on the accident circumstances.
1. General Principle of the IRSA Scale
The IRSA Convention scale is designed to simplify and accelerate the processing of recourse cases between insurers. By assigning a fixed responsibility according to the accident details, it helps avoid prolonged conflicts and eases victim compensation.
2. Use of the Responsibility Allocation Scale
According to this scale, responsibility can be shared in different ways, ranging from full responsibility of a single driver to a fair distribution between both parties, based on the incident details.
Responsibility Distribution Table in Case of Accident
| Code | Description | Responsibility Y | Responsibility X | Remarks |
|---|---|---|---|---|
| 10 | X and Y travel in the same direction without changing lanes | 0% | 100% | Rear collision |
| 13 | X and Y change lanes | 50% | 50% | Simultaneous lane change |
| 15 | Y changes lane | 100% | 0% | Y initiates the lane change |
| 17 | Y changes lane and turns left | 100% | 0% | Left turn involved |
| 20 | Y crosses the median axis | 100% | 0% | Y crosses the central axis |
| 21 | Position on the median axis is indeterminate for X and Y | 50% | 50% | Uncertainty about vehicle positions |
| 30 | X has priority from the right in their lane | 0% | 100% | X has priority |
| 31 | X has priority and crosses the median axis | 0% | 100% | X has priority, even when crossing the axis |
| 40 | X is parked legally | 0% | 100% | Legal parking |
| 43 | X is parked illegally | 100% | 0% | Illegal parking |
| 50 | Y runs a red light | 100% | 0% | Red light ignored |
| 51 | Y ignores police barrier | 100% | 0% | Police instructions ignored |
| 56 | Y does not respect traffic bans | 100% | 0% | Clear violation of traffic rules |
3. Impact on Compensation
Applying this scale facilitates the compensation of involved parties by specifying each one’s responsibility shares, thus reducing processing times for claims. It also helps maintain harmonious relationships between insurance companies.
4. Conclusion
The adoption of the IRSA Scale by insurers is a key element for effective and transparent management of road accidents. By clearly defining responsibilities, it contributes to a quick and fair resolution of claims, benefiting both insurers and policyholders.
Download the IRSA scale in PDF format
To go further
📋 Conventions d'indemnisation
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