{"id":21762,"date":"2026-10-16T14:42:01","date_gmt":"2026-10-16T13:42:01","guid":{"rendered":"https:\/\/gam.dz\/la-regle-proportionnelle\/"},"modified":"2026-10-16T15:06:31","modified_gmt":"2026-10-16T14:06:31","slug":"la-regle-proportionnelle","status":"publish","type":"post","link":"https:\/\/gam.dz\/ar\/la-regle-proportionnelle\/","title":{"rendered":"La r\u00e8gle proportionnelle"},"content":{"rendered":"<p>Lors de la souscription d\u2019un contrat d\u2019assurance, les informations que vous d\u00e9clarez jouent un r\u00f4le essentiel dans la d\u00e9termination de vos garanties et du montant de votre indemnisation en cas de sinistre.<\/p>\n<p>Parmi les notions importantes \u00e0 conna\u00eetre figure la r\u00e8gle proportionnelle, qui peut s\u2019appliquer lorsque la valeur d\u00e9clar\u00e9e d\u2019un bien ne correspond pas \u00e0 sa valeur r\u00e9elle.<\/p>\n<p>Voici comment elle peut influencer votre indemnisation.<\/p>\n<p>Prenons un exemple concret : lors de la souscription de votre contrat d\u2019assurance automobile, votre conseiller vous demande d\u2019indiquer la valeur de votre v\u00e9hicule afin d\u2019\u00e9tablir correctement votre contrat.<\/p>\n<p>Imaginons qu\u2019\u00e0 la suite d\u2019un accident, l\u2019expertise r\u00e9v\u00e8le que vous aviez sous-\u00e9valu\u00e9 la valeur d\u00e9clar\u00e9e de votre v\u00e9hicule. Dans ce cas, sachez que votre indemnisation sera r\u00e9duite proportionnellement \u00e0 la valeur que vous aviez indiqu\u00e9e au moment de la souscription.<\/p>\n<p>Pour \u00e9viter toute mauvaise surprise, il est donc essentiel de d\u00e9clarer la valeur r\u00e9elle et marchande de votre v\u00e9hicule lors de la signature de votre contrat d\u2019assurance.<br \/>L\u2019objectif est de garantir une indemnisation juste, \u00e9quitable et conforme \u00e0 la r\u00e9alit\u00e9.<\/p>","protected":false},"excerpt":{"rendered":"<p>Lors de la souscription d\u2019un contrat d\u2019assurance, les informations que vous d\u00e9clarez jouent un r\u00f4le essentiel dans la d\u00e9termination de vos garanties et du montant de votre indemnisation en cas de sinistre. Parmi les notions importantes \u00e0 conna\u00eetre figure la r\u00e8gle proportionnelle, qui peut s\u2019appliquer lorsque la valeur d\u00e9clar\u00e9e d\u2019un bien ne correspond pas \u00e0 [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":21851,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37,86],"tags":[],"class_list":["post-21762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","category-les-ba-ba-du-contrat-dassurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La r\u00e8gle proportionnelle - GAM Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gam.dz\/ar\/la-regle-proportionnelle\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La r\u00e8gle proportionnelle - GAM Assurances\" \/>\n<meta property=\"og:description\" content=\"Lors de la souscription d\u2019un contrat d\u2019assurance, les informations que vous d\u00e9clarez jouent un r\u00f4le essentiel dans la d\u00e9termination de vos garanties et du montant de votre indemnisation en cas de sinistre. 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