{"id":280704,"date":"2023-03-14T09:50:00","date_gmt":"2023-03-14T09:50:00","guid":{"rendered":"https:\/\/mahfoudhi.xyz\/ar\/?p=280703"},"modified":"2023-03-14T09:50:00","modified_gmt":"2023-03-14T09:50:00","slug":"ftusa-avis-important-aux-assures","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/ftusa-avis-important-aux-assures\/","title":{"rendered":"FTUSA : Avis important aux assur\u00e9s"},"content":{"rendered":"

La FTUSA (Fédération Tunisienne des Sociétés d’Assurances), consciente de son rôle de sensibilisation, et de son devoir de conseil, porte à la connaissance du public l’impératif d’actualiser la valeur des actifs assurés auprès des sociétés d’assurances.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

Les contrats d’assurances couvrant les différents risques, prévoient une déclaration, censée être sincère, des capitaux assurés.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

Cette indication, qui constitue une obligation contractuelle de l’assuré est importante, car elle détermine le montant de l’indemnité qui sera servie en cas de sinistre.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

De ce fait, si les capitaux déclarés, et assurés comme tels, sont inférieurs à leur valeur réelle, la loi stipule qu’une règle proportionnelle sera appliquée.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

Ainsi, l’assuré obtiendra une indemnité réduite, et proportionnelle à la valeur déclarée, par rapport à la valeur réelle de l’actif, estimée le jour du sinistre par l’expert.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

Considérant un immeuble assuré à 5 000 000 de dinars(Cinq millions de dinars), alors que sa valeur réelle s’élève à 10 000 000 de dinars (Dix millions de dinars) et si un sinistre partiel survient avec 2 000 000 de dinars (Deux millions de dinars), de dommages,<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

L’indemnité est alors calculée comme suit :<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

2 000 000 DTX 5 000 000DT\/ 10 000 000DT soit 1 000 000 de dinars (Un million de dinars), d’où une perte de 1 000 000 de dinars (Un million de dinars), l’assuré conservera à sa charge une part du sinistre de <\/span>1 000 000 de dinars(Un million de dinars).<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

En revanche, si pour le même exemple, la valeur assurée est celle qui correspond à la valeur réelle de l’immeuble, soit 10 000 000 DT, l’indemnité sera de2 000000 DT comme convenu dans le contrat.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n

Par conséquent, et pour que l’assurance joue pleinement son rôle, en cas de sinistre, la FTUSA exhorte tous les assurés à contacter leurs sociétés d’assurance afin d’actualiser la valeur de leurs actifs.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

La FTUSA (Fédération Tunisienne des Sociétés d’Assurances), consciente de son rôle de sensibilisation, et de son devoir de conseil, porte à la connaissance du public l’impératif d’actualiser la valeur des…<\/p>\n","protected":false},"author":60,"featured_media":244008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1464],"tags":[],"class_list":["post-280704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entreprises"],"yoast_head":"\nFTUSA : Avis important aux assur\u00e9s - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"La FTUSA (Fédération Tunisienne des Sociétés d’Assurances), consciente de son rôle de sensibilisation, et de son\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/ftusa-avis-important-aux-assures\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FTUSA : Avis important aux assur\u00e9s - 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