Lassuré

Lassuré is a nonstandard form often encountered as a misspelling of the French term l’assuré, which designates the insured party in an insurance contract. In standard usage, l’assuré refers to the person or entity whose risks are covered by the policy and who may be entitled to compensation or services under the contract. The insured is not always the contract holder; the policyholder or preneur d’assurance is the party who signs the agreement and pays premiums, while the insured may be the same person or a different one (for example, a life or health policy covering another individual, or a property policy covering a building).

Roles and examples. The insured can be a person, a group, a business, a vehicle, or a property. In auto insurance, the insured is the driver or vehicle owner covered by the policy. In health or life insurance, the insured is the person whose health or life is protected. In property or liability policies, the insured might be a building, inventory, or the entity responsible for the risk.

Rights and obligations. The insured has the right to indemnification or benefits provided by the policy for covered losses, to be informed about the scope of guarantees, and to participate in claim settlements. Obligations typically include providing truthful information, paying premiums, reporting claims promptly, and taking reasonable steps to mitigate damage. In some cases, multiple parties can be insured under a single policy, or the insured and beneficiary roles may diverge (as in some life or group policies).

Jurisdiction and terminology. The precise definitions and rules governing l’assuré vary by jurisdiction and contract; the English equivalent is generally “the insured.” Reading policy terms is essential to understand specific rights and duties.