{"id":2511,"date":"2026-10-27T12:33:20","date_gmt":"2026-10-27T12:33:20","guid":{"rendered":"https:\/\/labseo.net\/hkavocats\/?page_id=2511"},"modified":"2026-10-28T12:07:06","modified_gmt":"2026-10-28T12:07:06","slug":"droit-assurances","status":"publish","type":"page","link":"https:\/\/labseo.net\/hkavocats\/droit-assurances\/","title":{"rendered":"Droit des assurances"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2511\" class=\"elementor elementor-2511\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55c1d97c e-con-full e-flex e-con e-parent\" data-id=\"55c1d97c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-180f831e e-flex e-con-boxed e-con e-child\" data-id=\"180f831e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3251c110 e-con-full e-flex e-con e-child\" data-id=\"3251c110\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37bcd589 elementor-widget elementor-widget-heading\" data-id=\"37bcd589\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">CABINET D'AVOCATS  CASABALNCA \u00b7 HKAVOCAT<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2409026 elementor-widget elementor-widget-heading\" data-id=\"2409026\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Avocat Droit des Assurances Casablanca<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9dd6b3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c9dd6b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-8f85532 elementor-widget elementor-widget-text-editor\" data-id=\"8f85532\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sinistre contest\u00e9, garantie refus\u00e9e, indemnit\u00e9 insuffisante : nous d\u00e9fendons les assur\u00e9s, les entreprises et les professionnels face aux compagnies d&rsquo;assurance, avec m\u00e9thode et clart\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7c2b11 e-con-full e-flex e-con e-child\" data-id=\"a7c2b11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65de01bd elementor-align-left elementor-widget elementor-widget-button\" data-id=\"65de01bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/labseo.net\/hkavocats\/contact\/\">\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\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5820a48b elementor-align-left elementor-widget elementor-widget-button\" data-id=\"5820a48b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+212772979077\">\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\">Consultation en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\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\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-29fef60b e-con-full e-flex e-con e-parent\" data-id=\"29fef60b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1b6e759b e-flex e-con-boxed e-con e-child\" data-id=\"1b6e759b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-27c8e37c e-con-full e-flex e-con e-child\" data-id=\"27c8e37c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-625a3510 elementor-widget elementor-widget-counter\" data-id=\"625a3510\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Ann\u00e9es d'exp\u00e9rience<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"1800\" data-to-value=\"34\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c5d4e07 e-con-full e-flex e-con e-child\" data-id=\"7c5d4e07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66d3309e elementor-widget elementor-widget-counter\" data-id=\"66d3309e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Dossiers trait\u00e9s<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"1800\" data-to-value=\"500\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64101697 e-con-full e-flex e-con e-child\" data-id=\"64101697\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7acc5968 elementor-widget elementor-widget-counter\" data-id=\"7acc5968\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Langues de travail<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"1800\" data-to-value=\"3\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76fa5974 e-con-full e-flex e-con e-child\" data-id=\"76fa5974\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-540a476e elementor-widget elementor-widget-counter\" data-id=\"540a476e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Consultation en ligne<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"1800\" data-to-value=\"100\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/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<div class=\"elementor-element elementor-element-1e2867b2 e-con-full e-flex e-con e-parent\" data-id=\"1e2867b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-33102f75 e-flex e-con-boxed e-con e-child\" data-id=\"33102f75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-175f3d9c e-con-full e-flex e-con e-child\" data-id=\"175f3d9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3371be9a elementor-widget elementor-widget-heading\" data-id=\"3371be9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">NOTRE EXPERTISE<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3edefb68 elementor-widget elementor-widget-heading\" data-id=\"3edefb68\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Avocat sp\u00e9cialis\u00e9 en assurances \u00e0 Casablanca : indemnisation et sinistres<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648bab32 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"648bab32\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-1b1aeac6 elementor-widget elementor-widget-text-editor\" data-id=\"1b1aeac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un contrat d\u2019assurance est con\u00e7u pour vous prot\u00e9ger lorsqu\u2019un accident, un d\u00e9g\u00e2t mat\u00e9riel, un vol ou un d\u00e9c\u00e8s survient. Pourtant, c\u2019est souvent au moment de demander une indemnisation que les difficult\u00e9s apparaissent : d\u00e9claration contest\u00e9e, exclusion de garantie, expertise discutable, indemnit\u00e9 insuffisante ou retard dans le versement des sommes dues. Face \u00e0 ces situations, il est essentiel de comprendre les conditions de votre contrat et de v\u00e9rifier si la position de l\u2019assureur est justifi\u00e9e. Notre cabinet d\u2019avocats \u00e0 Casablanca vous accompagne dans l\u2019analyse de vos garanties, l\u2019\u00e9tude des motifs de refus ou de limitation d\u2019indemnisation et l\u2019identification des recours possibles. Un sinistre soul\u00e8ve souvent des questions de responsabilit\u00e9, que nous traitons en <strong><a href=\"https:\/\/labseo.net\/hkavocats\/droit-civil\/\">droit civil<\/a><\/strong>. L\u2019assur\u00e9 particulier peut aussi s\u2019appuyer sur le <strong><a href=\"https:\/\/labseo.net\/hkavocats\/droit-consommation\/\">droit de la consommation<\/a><\/strong>. Pour le transport de marchandises, l\u2019assurance touche au <strong><a href=\"https:\/\/labseo.net\/hkavocats\/droit-maritime\/\">droit maritime<\/a><\/strong>, et si l\u2019assureur refuse de garantir, une <strong><a href=\"https:\/\/labseo.net\/hkavocats\/contentieux\/\">action en justice<\/a><\/strong> peut \u00eatre envisag\u00e9e pour d\u00e9fendre vos droits.<\/p><p>Nous accompagnons les particuliers, les familles, les commer\u00e7ants, les professionnels, les PME et les soci\u00e9t\u00e9s qui souhaitent faire valoir leurs droits aupr\u00e8s d\u2019un assureur ou s\u00e9curiser leurs engagements contractuels. Chaque dossier est examin\u00e9 avec attention, \u00e0 partir du contrat, des correspondances, des rapports d\u2019expertise et des autres pi\u00e8ces disponibles, afin d\u2019\u00e9valuer la situation et de d\u00e9finir une strat\u00e9gie adapt\u00e9e. Notre objectif est de r\u00e9\u00e9quilibrer les \u00e9changes avec l\u2019assureur et de rechercher la solution la plus appropri\u00e9e \u00e0 votre situation, que ce soit par la n\u00e9gociation amiable ou par une action devant les juridictions comp\u00e9tentes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c5aecae e-con-full e-flex e-con e-child\" data-id=\"6c5aecae\" 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-259bbca elementor-widget elementor-widget-image\" data-id=\"259bbca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"123\" src=\"https:\/\/labseo.net\/hkavocats\/wp-content\/uploads\/2024\/10\/image_792-1.webp\" class=\"attachment-large size-large wp-image-1588\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6f759b elementor-widget elementor-widget-heading\" data-id=\"3b6f759b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">PARLONS DE VOTRE DOSSIER<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35d0e832 elementor-widget elementor-widget-heading\" data-id=\"35d0e832\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Votre dossier d'assurance m\u00e9rite un avis juridique : contactez-nous<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6592afb2 elementor-widget elementor-widget-text-editor\" data-id=\"6592afb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Appelez-nous ou r\u00e9servez un \u00e9change en visioconf\u00e9rence pour nous pr\u00e9senter votre contrat, la r\u00e9ponse de votre assureur et les pi\u00e8ces dont vous disposez. Vous recevez un premier avis clair sur les d\u00e9marches possibles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76b001e7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"76b001e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">07 72 97 90 77<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">contact@hkavocats.ma<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marker-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">HK cabinet d\u2019Avocats, 62 rue d\u2019Azilal, 2\u00e8me \u00e9tage, boulevard Med V, Casablanca.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e50c0c2 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"7e50c0c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/labseo.net\/hkavocats\/contact\/\">\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\">R\u00e9server une consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b2fc906 e-con-full e-flex e-con e-parent\" data-id=\"4b2fc906\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-60a4e4b4 e-con-full e-flex e-con e-child\" data-id=\"60a4e4b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ff73a9d elementor-widget elementor-widget-heading\" data-id=\"6ff73a9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">NOS INTERVENTIONS<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bc157f elementor-widget elementor-widget-heading\" data-id=\"11bc157f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Indemnisation, sinistre, refus de garantie : nos services d\u2019avocat en assurances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-659d0039 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"659d0039\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\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<div class=\"elementor-element elementor-element-1d898a62 e-flex e-con-boxed e-con e-child\" data-id=\"1d898a62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-252eef9c e-con-full e-flex e-con e-child\" data-id=\"252eef9c\" 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-e018120 elementor-widget elementor-widget-heading\" data-id=\"e018120\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Refus de garantie et exclusions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fdab50e elementor-widget elementor-widget-text-editor\" data-id=\"5fdab50e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Analyse du motif invoqu\u00e9 par l&rsquo;assureur (exclusion, d\u00e9ch\u00e9ance, nullit\u00e9 du contrat, fausse d\u00e9claration) et contestation lorsqu&rsquo;il n&rsquo;est pas fond\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78518b04 e-con-full e-flex e-con e-child\" data-id=\"78518b04\" 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-414244a4 elementor-widget elementor-widget-heading\" data-id=\"414244a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Sinistres et indemnisation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6691aa17 elementor-widget elementor-widget-text-editor\" data-id=\"6691aa17\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c9valuation du pr\u00e9judice, constitution du dossier et discussion avec l&rsquo;assureur pour obtenir une indemnisation conforme \u00e0 vos droits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55109c4d e-con-full e-flex e-con e-child\" data-id=\"55109c4d\" 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-49aa9b0e elementor-widget elementor-widget-heading\" data-id=\"49aa9b0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurances de personnes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13fc1f09 elementor-widget elementor-widget-text-editor\" data-id=\"13fc1f09\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Assistance en cas de litige sur une assurance vie, une assurance sant\u00e9, une pr\u00e9voyance, une invalidit\u00e9 ou un d\u00e9c\u00e8s, y compris pour les b\u00e9n\u00e9ficiaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47e09760 e-con-full e-flex e-con e-child\" data-id=\"47e09760\" 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-186e1095 elementor-widget elementor-widget-heading\" data-id=\"186e1095\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurances des entreprises<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3030cac5 elementor-widget elementor-widget-text-editor\" data-id=\"3030cac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Conseil sur les contrats multirisques, de responsabilit\u00e9 civile, de flotte ou de transport, et d\u00e9fense de l&rsquo;entreprise en cas de sinistre contest\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edc1f5 e-con-full e-flex e-con e-child\" data-id=\"edc1f5\" 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-1cbaf33b elementor-widget elementor-widget-heading\" data-id=\"1cbaf33b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Analyse et r\u00e9vision de contrats d'assurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18eac2ba elementor-widget elementor-widget-text-editor\" data-id=\"18eac2ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lecture des conditions g\u00e9n\u00e9rales et particuli\u00e8res avant signature, rep\u00e9rage des clauses d\u00e9favorables et des exclusions \u00e0 n\u00e9gocier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f8d212d e-con-full e-flex e-con e-child\" data-id=\"2f8d212d\" 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-74be241d elementor-widget elementor-widget-heading\" data-id=\"74be241d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Expertise, n\u00e9gociation et action en justice<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65d8ec65 elementor-widget elementor-widget-text-editor\" data-id=\"65d8ec65\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Assistance lors de l&rsquo;expertise, demande de contre-expertise si n\u00e9cessaire, n\u00e9gociation amiable puis proc\u00e9dure judiciaire lorsque aucun accord n&rsquo;est possible.<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-516b684e e-con-full e-flex e-con e-parent\" data-id=\"516b684e\" 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-bb1b157 elementor-widget elementor-widget-html\" data-id=\"bb1b157\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<meta charset=\"utf-8\">\r\n<!-- Collez tout ce qui suit dans un widget \"HTML\" d'Elementor (supprimez la ligne <meta> du haut). -->\r\n<!-- Version sombre : remplacez class=\"hk-method\" par class=\"hk-method hk-method--dark\" -->\r\n\r\n<style>\r\n.hk-method{\r\n  --hk-bg:#f4f3ec;\r\n  --hk-title:#1f4a48;\r\n  --hk-text:#4a4a45;\r\n  --hk-gold:#b8985f;\r\n  --hk-num-bg:#1f4a48;\r\n  --hk-num-fg:#e0c48c;\r\n  background:var(--hk-bg);\r\n  color:var(--hk-text);\r\n  padding:clamp(40px,5vw,64px) 24px;\r\n  font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;\r\n}\r\n.hk-method--dark{\r\n  --hk-bg:#1f4a48;\r\n  --hk-title:#f4f3ec;\r\n  --hk-text:#d6dcd6;\r\n  --hk-gold:#c9a96a;\r\n  --hk-num-bg:#c9a96a;\r\n  --hk-num-fg:#1f4a48;\r\n}\r\n.hk-method *{box-sizing:border-box}\r\n\r\n.hk-method .hk-method__head{max-width:640px;margin:0 auto clamp(28px,4vw,44px);text-align:center}\r\n.hk-method h2.hk-method__title{\r\n  font-family:'Playfair Display',Georgia,'Times New Roman',serif;\r\n  font-weight:700;\r\n  font-size:clamp(28px,3.6vw,40px);\r\n  line-height:1.15;\r\n  color:var(--hk-title);\r\n  margin:0 0 12px;\r\n}\r\n.hk-method .hk-method__lead{font-size:16px;line-height:1.6;margin:0}\r\n\r\n.hk-method ol.hk-method__steps{\r\n  list-style:none;margin:0 auto;padding:0;max-width:1000px;\r\n  display:grid;grid-template-columns:repeat(4,1fr);gap:0;\r\n}\r\n.hk-method .hk-method__step{\r\n  position:relative;margin:0;padding:0 18px;text-align:center;\r\n}\r\n\r\n\/* trait continu derri\u00e8re les pastilles *\/\r\n.hk-method .hk-method__step::before{\r\n  content:\"\";position:absolute;top:26px;left:0;right:0;height:1px;background:var(--hk-gold);\r\n}\r\n.hk-method .hk-method__step:first-child::before{left:50%}\r\n.hk-method .hk-method__step:last-child::before{right:50%}\r\n\r\n.hk-method .hk-method__num{\r\n  position:relative;z-index:1;\r\n  display:flex;align-items:center;justify-content:center;\r\n  width:52px;height:52px;margin:0 auto;border-radius:50%;\r\n  background:var(--hk-num-bg);color:var(--hk-num-fg);\r\n  box-shadow:0 0 0 8px var(--hk-bg);\r\n  font-family:'Playfair Display',Georgia,serif;font-size:22px;font-weight:700;line-height:1;\r\n}\r\n\r\n.hk-method h3.hk-method__name{\r\n  font-family:'Playfair Display',Georgia,serif;\r\n  font-weight:700;font-size:21px;line-height:1.2;\r\n  color:var(--hk-title);\r\n  margin:16px 0 6px;\r\n}\r\n.hk-method .hk-method__text{font-size:15px;line-height:1.6;margin:0 auto;max-width:26ch}\r\n\r\n\/* mobile : frise verticale *\/\r\n@media (max-width:860px){\r\n  .hk-method ol.hk-method__steps{grid-template-columns:1fr;max-width:460px}\r\n  .hk-method .hk-method__step{padding:0 0 28px 72px;min-height:52px;text-align:left}\r\n  .hk-method .hk-method__step:last-child{padding-bottom:0}\r\n  .hk-method .hk-method__num{position:absolute;left:0;top:0;margin:0}\r\n  .hk-method .hk-method__step::before,\r\n  .hk-method .hk-method__step:first-child::before,\r\n  .hk-method .hk-method__step:last-child::before{\r\n    top:0;bottom:0;left:26px;right:auto;width:1px;height:auto;\r\n  }\r\n  .hk-method .hk-method__step:first-child::before{top:26px}\r\n  .hk-method .hk-method__step:last-child::before{bottom:auto;height:26px}\r\n  .hk-method h3.hk-method__name{margin-top:12px}\r\n  .hk-method .hk-method__text{max-width:none;margin:0}\r\n}\r\n<\/style>\r\n\r\n<section class=\"hk-method\" aria-labelledby=\"hk-method-title\">\r\n  <div class=\"hk-method__head\">\r\n    <h2 class=\"hk-method__title\" id=\"hk-method-title\">R\u00e9clamer une indemnisation d\u2019assurance \u00e0 Casablanca : notre m\u00e9thode en 4 \u00e9tapes<\/h2>\r\n    <p class=\"hk-method__lead\">Chaque \u00e9tape est expliqu\u00e9e en termes simples, et vous savez \u00e0 tout moment o\u00f9 en est votre dossier.<\/p>\r\n  <\/div>\r\n\r\n  <ol class=\"hk-method__steps\">\r\n    <li class=\"hk-method__step\">\r\n      <span class=\"hk-method__num\" aria-hidden=\"true\">1<\/span>\r\n      <h3 class=\"hk-method__name\">Consultation<\/h3>\r\n      <p class=\"hk-method__text\">Un premier \u00e9change, en cabinet ou en visio, pour comprendre le sinistre, votre contrat et la position de l'assureur.<\/p>\r\n    <\/li>\r\n    <li class=\"hk-method__step\">\r\n      <span class=\"hk-method__num\" aria-hidden=\"true\">2<\/span>\r\n      <h3 class=\"hk-method__name\">Analyse<\/h3>\r\n      <p class=\"hk-method__text\">\u00c9tude du contrat, des courriers et de l'expertise, puis pr\u00e9sentation claire de vos options, de leurs avantages et de leurs limites.<\/p>\r\n    <\/li>\r\n    <li class=\"hk-method__step\">\r\n      <span class=\"hk-method__num\" aria-hidden=\"true\">3<\/span>\r\n      <h3 class=\"hk-method__name\">Action<\/h3>\r\n      <p class=\"hk-method__text\">R\u00e9clamation \u00e9crite, n\u00e9gociation avec l'assureur, assistance \u00e0 l'expertise ou proc\u00e9dure devant la juridiction comp\u00e9tente.<\/p>\r\n    <\/li>\r\n    <li class=\"hk-method__step\">\r\n      <span class=\"hk-method__num\" aria-hidden=\"true\">4<\/span>\r\n      <h3 class=\"hk-method__name\">Suivi<\/h3>\r\n      <p class=\"hk-method__text\">Informations r\u00e9guli\u00e8res jusqu'au r\u00e8glement du dossier, et conseils pour mieux s\u00e9curiser vos futurs contrats.<\/p>\r\n    <\/li>\r\n  <\/ol>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-152cfa5c e-con-full e-flex e-con e-parent\" data-id=\"152cfa5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2a8209bc e-flex e-con-boxed e-con e-child\" data-id=\"2a8209bc\" 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-7ec91b2 elementor-widget elementor-widget-heading\" data-id=\"7ec91b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">POURQUOI NOUS CHOISIR<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7b6302 elementor-widget elementor-widget-heading\" data-id=\"2f7b6302\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir notre cabinet d\u2019avocats en droit des assurances \u00e0 Casablanca ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-136bc712 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"136bc712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a53b861 e-flex e-con-boxed e-con e-child\" data-id=\"1a53b861\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-610f7de4 e-con-full e-flex e-con e-child\" data-id=\"610f7de4\" 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-414ac33 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"414ac33\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bullseye\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm0 432c-101.69 0-184-82.29-184-184 0-101.69 82.29-184 184-184 101.69 0 184 82.29 184 184 0 101.69-82.29 184-184 184zm0-312c-70.69 0-128 57.31-128 128s57.31 128 128 128 128-57.31 128-128-57.31-128-128-128zm0 192c-35.29 0-64-28.71-64-64s28.71-64 64-64 64 28.71 64 64-28.71 64-64 64z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e94fe41 elementor-widget elementor-widget-heading\" data-id=\"e94fe41\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Notre mission<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19800050 elementor-widget elementor-widget-text-editor\" data-id=\"19800050\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Aider les assur\u00e9s et les entreprises \u00e0 comprendre leur contrat, \u00e0 faire respecter leurs droits et \u00e0 traiter avec leur assureur sur des bases solides.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e32945d e-con-full e-flex e-con e-child\" data-id=\"6e32945d\" 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-3745ae6b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3745ae6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-gem\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M485.5 0L576 160H474.9L405.7 0h79.8zm-128 0l69.2 160H149.3L218.5 0h139zm-267 0h79.8l-69.2 160H0L90.5 0zM0 192h100.7l123 251.7c1.5 3.1-2.7 5.9-5 3.3L0 192zm148.2 0h279.6l-137 318.2c-1 2.4-4.5 2.4-5.5 0L148.2 192zm204.1 251.7l123-251.7H576L357.3 446.9c-2.3 2.7-6.5-.1-5-3.2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e30187a elementor-widget elementor-widget-heading\" data-id=\"1e30187a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nos valeurs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f1adc7c elementor-widget elementor-widget-text-editor\" data-id=\"3f1adc7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c9coute, clart\u00e9 et ind\u00e9pendance : ces principes guident notre travail et chaque \u00e9change avec nos clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-614e98d9 e-con-full e-flex e-con e-child\" data-id=\"614e98d9\" 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-1f04b39e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1f04b39e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7322cf02 elementor-widget elementor-widget-heading\" data-id=\"7322cf02\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Notre engagement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21dc9c72 elementor-widget elementor-widget-text-editor\" data-id=\"21dc9c72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vous dire honn\u00eatement ce que votre dossier permet d&rsquo;envisager, rester joignable \u00e0 chaque \u00e9tape et d\u00e9fendre vos int\u00e9r\u00eats avec la m\u00eame attention, quel que soit le montant en jeu.<\/p>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d03b33 e-flex e-con-boxed e-con e-parent\" data-id=\"6d03b33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc4c2e7 elementor-widget elementor-widget-html\" data-id=\"dc4c2e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"fr\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600&family=Playfair+Display:wght@500;600;700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n  :root {\r\n    --bg: #f3f4ee;\r\n    --card: #ffffff;\r\n    --teal: #1f4a4f;\r\n    --teal-soft: #4b6568;\r\n    --gold: #b8975a;\r\n    --line: #e4e6dc;\r\n    --serif: \"Playfair Display\", Georgia, serif;\r\n    --sans: \"Montserrat\", system-ui, sans-serif;\r\n  }\r\n  * { box-sizing: border-box; }\r\n  body { margin: 0; background: var(--bg); }\r\n\r\n  .faq { padding: clamp(56px, 8vw, 110px) 20px; font-family: var(--sans); }\r\n  .faq__head { text-align: center; margin-bottom: 56px; }\r\n  .faq__eyebrow {\r\n    margin: 0 0 14px; font-size: 11px; font-weight: 600;\r\n    letter-spacing: .28em; text-transform: uppercase; color: var(--gold);\r\n  }\r\n  .faq__title {\r\n    margin: 0; font-family: var(--serif); font-weight: 700;\r\n    font-size: clamp(30px, 4.5vw, 42px); line-height: 1.15; color: var(--teal);\r\n  }\r\n  .faq__title::after {\r\n    content: \"\"; display: block; width: 56px; height: 2px;\r\n    background: var(--gold); margin: 28px auto 0;\r\n  }\r\n\r\n  \/* Two columns: questions left, image right *\/\r\n  .faq__wrap {\r\n    max-width: 1180px; margin: 0 auto;\r\n    display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);\r\n    gap: clamp(32px, 5vw, 72px); align-items: center;\r\n  }\r\n  .faq__list { display: grid; gap: 14px; min-width: 0; }\r\n\r\n  .faq__media { position: relative; display: flex; justify-content: center; align-items: flex-end; }\r\n  .faq__media::before {\r\n    content: \"\"; position: absolute; left: 50%; bottom: 0; transform: translateX(-50%);\r\n    width: 86%; aspect-ratio: 1 \/ 1; border-radius: 50%;\r\n    background: rgba(184,151,90,.14); z-index: 0;\r\n  }\r\n  .faq__media img {\r\n    position: relative; z-index: 1; display: block;\r\n    width: 100%; max-width: 460px; height: auto; max-height: 620px; object-fit: contain;\r\n  }\r\n\r\n  .item {\r\n    background: var(--card); border: 1px solid var(--line); border-radius: 22px;\r\n    transition: box-shadow .35s, border-color .35s;\r\n  }\r\n  .item:hover { border-color: #d6d9c9; }\r\n  .item.is-open {\r\n    border-color: rgba(184,151,90,.55);\r\n    box-shadow: 0 18px 40px -22px rgba(31,74,79,.35);\r\n  }\r\n\r\n  .item__q {\r\n    all: unset; box-sizing: border-box; width: 100%; cursor: pointer;\r\n    display: flex; align-items: center; justify-content: space-between; gap: 20px;\r\n    padding: 22px 26px; border-radius: 22px;\r\n    font-family: var(--serif); font-weight: 600; font-size: clamp(17px, 2.2vw, 20px);\r\n    line-height: 1.35; color: var(--teal); transition: color .3s;\r\n  }\r\n  .item.is-open .item__q { color: var(--gold); }\r\n  .item__q:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }\r\n\r\n  .item__icon {\r\n    flex: none; width: 34px; height: 34px; border-radius: 50%;\r\n    border: 1.5px solid var(--gold); position: relative;\r\n    transition: background .3s, transform .4s cubic-bezier(.4,0,.2,1);\r\n  }\r\n  .item__icon::before, .item__icon::after {\r\n    content: \"\"; position: absolute; left: 50%; top: 50%;\r\n    width: 12px; height: 1.5px; background: var(--gold);\r\n    transform: translate(-50%, -50%); transition: transform .4s cubic-bezier(.4,0,.2,1), background .3s;\r\n  }\r\n  .item__icon::after { transform: translate(-50%, -50%) rotate(90deg); }\r\n  .item.is-open .item__icon { background: var(--gold); transform: rotate(180deg); }\r\n  .item.is-open .item__icon::before { background: #fff; }\r\n  .item.is-open .item__icon::after { transform: translate(-50%, -50%) rotate(0deg); background: #fff; }\r\n\r\n  .item__a {\r\n    display: grid; grid-template-rows: 0fr;\r\n    transition: grid-template-rows .45s cubic-bezier(.4,0,.2,1);\r\n  }\r\n  .item.is-open .item__a { grid-template-rows: 1fr; }\r\n  .item__a > div { overflow: hidden; }\r\n  .item__a p {\r\n    margin: 0; padding: 0 26px 26px; max-width: 62ch;\r\n    font-size: 15.5px; line-height: 1.75; color: var(--teal-soft);\r\n  }\r\n\r\n  \/* Tablet and mobile: image goes under the questions *\/\r\n  @media (max-width: 900px) {\r\n    .faq__wrap { grid-template-columns: 1fr; }\r\n    .faq__media { order: 2; }\r\n    .faq__media img { max-width: 360px; max-height: 480px; }\r\n  }\r\n  @media (max-width: 520px) {\r\n    .item__q { padding: 18px 18px; }\r\n    .item__a p { padding: 0 18px 22px; }\r\n  }\r\n  @media (prefers-reduced-motion: reduce) {\r\n    .item, .item__a, .item__icon, .item__icon::before, .item__icon::after { transition: none; }\r\n  }\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n<section class=\"faq\" id=\"faq\">\r\n  <div class=\"faq__head\">\r\n    <p class=\"faq__eyebrow\">Questions fr\u00e9quentes<\/p>\r\n    <h2 class=\"faq__title\">Vos questions sur le droit des assurances au Maroc<\/h2>\r\n  <\/div>\r\n\r\n  <div class=\"faq__wrap\">\r\n\r\n    <div class=\"faq__list\">\r\n\r\n      <div class=\"item is-open\">\r\n        <button class=\"item__q\" aria-expanded=\"true\" aria-controls=\"a1\" id=\"q1\">\r\n          Que faire si mon assureur refuse de garantir mon sinistre ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a1\" role=\"region\" aria-labelledby=\"q1\"><div>\r\n          <p>Ne restez pas sur ce refus. Demandez le motif par \u00e9crit, conservez votre contrat et tous vos \u00e9changes, puis contactez-nous. Nous v\u00e9rifions si l'exclusion ou la d\u00e9ch\u00e9ance invoqu\u00e9e est justifi\u00e9e au regard du contrat et de la loi, et nous vous indiquons les d\u00e9marches possibles : r\u00e9clamation, n\u00e9gociation ou action en justice.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"item\">\r\n        <button class=\"item__q\" aria-expanded=\"false\" aria-controls=\"a2\" id=\"q2\">\r\n          Dans quel d\u00e9lai faut-il d\u00e9clarer un sinistre ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a2\" role=\"region\" aria-labelledby=\"q2\"><div>\r\n          <p>Le contrat et la loi imposent des d\u00e9lais de d\u00e9claration courts, qui varient selon le type de sinistre. Un retard peut \u00eatre invoqu\u00e9 par l'assureur pour limiter ou refuser sa garantie. D\u00e9clarez le sinistre le plus t\u00f4t possible, par \u00e9crit, et gardez une preuve de l'envoi. Si le d\u00e9lai est d\u00e9pass\u00e9, contactez-nous : nous \u00e9tudions votre situation.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"item\">\r\n        <button class=\"item__q\" aria-expanded=\"false\" aria-controls=\"a3\" id=\"q3\">\r\n          Comment contester une indemnisation que je juge insuffisante ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a3\" role=\"region\" aria-labelledby=\"q3\"><div>\r\n          <p>Il faut d'abord comprendre comment le montant propos\u00e9 a \u00e9t\u00e9 calcul\u00e9 : expertise, bar\u00e8me, application des garanties et des franchises. Nous analysons le rapport de l'expert et les pi\u00e8ces de votre dossier, puis nous engageons une discussion avec l'assureur. Si elle n'aboutit pas, nous \u00e9tudions avec vous la voie judiciaire.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"item\">\r\n        <button class=\"item__q\" aria-expanded=\"false\" aria-controls=\"a4\" id=\"q4\">\r\n          Un avocat peut-il m'assister face \u00e0 l'expert de l'assureur ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a4\" role=\"region\" aria-labelledby=\"q4\"><div>\r\n          <p>Oui. L'expertise a un poids important dans le r\u00e8glement d'un sinistre. Nous vous conseillons avant et pendant cette \u00e9tape, nous relisons le rapport, nous signalons les points discutables et, si n\u00e9cessaire, nous demandons une contre-expertise ou une expertise judiciaire.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"item\">\r\n        <button class=\"item__q\" aria-expanded=\"false\" aria-controls=\"a5\" id=\"q5\">\r\n          Intervenez-vous pour les assurances des entreprises ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a5\" role=\"region\" aria-labelledby=\"q5\"><div>\r\n          <p>Oui. Nous accompagnons les entreprises et les professionnels sur leurs contrats multirisques, de responsabilit\u00e9 civile, de flotte automobile ou de transport, ainsi que sur les litiges qui en d\u00e9coulent. Nous pouvons aussi relire un contrat avant signature pour rep\u00e9rer les exclusions et les clauses \u00e0 n\u00e9gocier.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"item\">\r\n        <button class=\"item__q\" aria-expanded=\"false\" aria-controls=\"a6\" id=\"q6\">\r\n          Quels documents rassembler pour \u00e9tudier mon dossier d'assurance ?\r\n          <span class=\"item__icon\" aria-hidden=\"true\"><\/span>\r\n        <\/button>\r\n        <div class=\"item__a\" id=\"a6\" role=\"region\" aria-labelledby=\"q6\"><div>\r\n          <p>R\u00e9unissez le contrat et ses conditions particuli\u00e8res, les avenants, les attestations, la d\u00e9claration de sinistre, les courriers de l'assureur, le rapport d'expertise, les factures, les photos et tout justificatif du pr\u00e9judice. M\u00eame incomplet, votre dossier peut \u00eatre \u00e9tudi\u00e9 : nous vous disons quelles pi\u00e8ces compl\u00e9ter.<\/p>\r\n        <\/div><\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <div class=\"faq__media\">\r\n      <img src=\"https:\/\/labseo.net\/hkavocats\/wp-content\/uploads\/2024\/10\/image_894_removebg_preview_1.webp\"\r\n           alt=\"Avocat en droit des assurances \u00e0 Casablanca, HK Avocats\"\r\n           loading=\"lazy\" decoding=\"async\">\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n  document.querySelectorAll('.item__q').forEach(function (btn) {\r\n    btn.addEventListener('click', function () {\r\n      var item = btn.parentElement;\r\n      var open = !item.classList.contains('is-open');\r\n      document.querySelectorAll('.item').forEach(function (i) {\r\n        i.classList.remove('is-open');\r\n        i.querySelector('.item__q').setAttribute('aria-expanded', 'false');\r\n      });\r\n      if (open) {\r\n        item.classList.add('is-open');\r\n        btn.setAttribute('aria-expanded', 'true');\r\n      }\r\n    });\r\n  });\r\n<\/script>\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Que faire si mon assureur refuse de garantir mon sinistre ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Ne restez pas sur ce refus. Demandez le motif par \u00e9crit, conservez votre contrat et tous vos \u00e9changes, puis contactez-nous. Nous v\u00e9rifions si l'exclusion ou la d\u00e9ch\u00e9ance invoqu\u00e9e est justifi\u00e9e au regard du contrat et de la loi, et nous vous indiquons les d\u00e9marches possibles : r\u00e9clamation, n\u00e9gociation ou action en justice.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Dans quel d\u00e9lai faut-il d\u00e9clarer un sinistre ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Le contrat et la loi imposent des d\u00e9lais de d\u00e9claration courts, qui varient selon le type de sinistre. Un retard peut \u00eatre invoqu\u00e9 par l'assureur pour limiter ou refuser sa garantie. D\u00e9clarez le sinistre le plus t\u00f4t possible, par \u00e9crit, et gardez une preuve de l'envoi. Si le d\u00e9lai est d\u00e9pass\u00e9, contactez-nous : nous \u00e9tudions votre situation.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Comment contester une indemnisation que je juge insuffisante ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Il faut d'abord comprendre comment le montant propos\u00e9 a \u00e9t\u00e9 calcul\u00e9 : expertise, bar\u00e8me, application des garanties et des franchises. Nous analysons le rapport de l'expert et les pi\u00e8ces de votre dossier, puis nous engageons une discussion avec l'assureur. Si elle n'aboutit pas, nous \u00e9tudions avec vous la voie judiciaire.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Un avocat peut-il m'assister face \u00e0 l'expert de l'assureur ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Oui. L'expertise a un poids important dans le r\u00e8glement d'un sinistre. Nous vous conseillons avant et pendant cette \u00e9tape, nous relisons le rapport, nous signalons les points discutables et, si n\u00e9cessaire, nous demandons une contre-expertise ou une expertise judiciaire.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Intervenez-vous pour les assurances des entreprises ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Oui. Nous accompagnons les entreprises et les professionnels sur leurs contrats multirisques, de responsabilit\u00e9 civile, de flotte automobile ou de transport, ainsi que sur les litiges qui en d\u00e9coulent. Nous pouvons aussi relire un contrat avant signature pour rep\u00e9rer les exclusions et les clauses \u00e0 n\u00e9gocier.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Quels documents rassembler pour \u00e9tudier mon dossier d'assurance ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"R\u00e9unissez le contrat et ses conditions particuli\u00e8res, les avenants, les attestations, la d\u00e9claration de sinistre, les courriers de l'assureur, le rapport d'expertise, les factures, les photos et tout justificatif du pr\u00e9judice. M\u00eame incomplet, votre dossier peut \u00eatre \u00e9tudi\u00e9 : nous vous disons quelles pi\u00e8ces compl\u00e9ter.\"\r\n      }\r\n    }\r\n  ]\r\n}\r\n<\/script>\r\n<\/body>\r\n<\/html>\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-6907207c e-con-full e-flex e-con e-parent\" data-id=\"6907207c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-63874fdd e-flex e-con-boxed e-con e-child\" data-id=\"63874fdd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-274adfd6 e-con-full e-flex e-con e-child\" data-id=\"274adfd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16ede8b3 elementor-widget elementor-widget-heading\" data-id=\"16ede8b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un sinistre ou un refus d'indemnisation \u00e0 Casablanca ? Contactez un avocat en assurances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5202fe4d elementor-widget elementor-widget-text-editor\" data-id=\"5202fe4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Contactez notre avocat en assurances pour un premier \u00e9change, en cabinet ou \u00e0 distance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b703d71 e-con-full e-flex e-con e-child\" data-id=\"b703d71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-69f1784c e-con-full e-flex e-con e-child\" data-id=\"69f1784c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d2efaa4 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"1d2efaa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+212772979077\">\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\">Appeler le +212 7 72 97 90 77<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c55260 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8c55260\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/labseo.net\/hkavocats\/contact\/\">\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\">\u00c9crire au cabinet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\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\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-6473326 e-con-full e-flex e-con e-parent\" data-id=\"6473326\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43cf3ba elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"43cf3ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;wdt_animation_effect&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3323.4871500251293!2d-7.605814599999999!3d33.5926626!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0xda7cd4e478475bf%3A0x60a5e2d8489b55a3!2sHK%20Avocats%20-%20Cabinet%20Avocat%20Casablanca!5e0!3m2!1sfr!2sma!4v1793094112867!5m2!1sfr!2sma\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\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>CABINET D&rsquo;AVOCATS CASABALNCA \u00b7 HKAVOCAT Avocat Droit des Assurances Casablanca Sinistre contest\u00e9, garantie refus\u00e9e, indemnit\u00e9 insuffisante : nous d\u00e9fendons les assur\u00e9s, les entreprises et les professionnels face aux compagnies d&rsquo;assurance, avec m\u00e9thode et clart\u00e9. Prendre rendez-vous Consultation en ligne Ann\u00e9es d&rsquo;exp\u00e9rience 0 + Dossiers trait\u00e9s 0 + Langues de travail 0 Consultation en ligne 0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2511","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/pages\/2511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/comments?post=2511"}],"version-history":[{"count":11,"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/pages\/2511\/revisions"}],"predecessor-version":[{"id":2832,"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/pages\/2511\/revisions\/2832"}],"wp:attachment":[{"href":"https:\/\/labseo.net\/hkavocats\/wp-json\/wp\/v2\/media?parent=2511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}