{"id":7370,"date":"2024-11-07T05:01:06","date_gmt":"2024-11-07T05:01:06","guid":{"rendered":"https:\/\/youset.ca\/?p=7370"},"modified":"2026-03-16T12:11:21","modified_gmt":"2026-03-16T12:11:21","slug":"reclamations-dassurance-auto","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/","title":{"rendered":"Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d&rsquo;assurance auto"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Que vous soyez un conducteur exp\u00e9riment\u00e9 ou que ce soit votre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-pour-nouveaux-conducteurs\/\"><span style=\"font-weight: 400;\">premi\u00e8re r\u00e9clamation<\/span><\/a><span style=\"font-weight: 400;\">, naviguer \u00e0 travers le processus d\u2019assurance peut parfois \u00eatre compliqu\u00e9. Quelles sont les \u00e9tapes \u00e0 suivre\u202f? Quelles erreurs devez-vous \u00e9viter\u202f?<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Bien que chaque compagnie d\u2019assurance ait ses propres pratiques, il y a des r\u00e8gles de base communes. Dans cet article, nous vous pr\u00e9senterons ce qu\u2019il faut faire et \u00e9viter afin de vous aider \u00e0 mieux comprendre le processus de r\u00e9clamation d\u2019assurance auto et \u00e0 contourner les pi\u00e8ges courants.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_9020ea241a37214fd5fe663833da88c5\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400\">Lorsque vous faites une r\u00e9clamation d\u2019assurance auto, vous devriez\u00a0:\u00a0<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Vous attendre \u00e0 payer votre franchise<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Conserver des preuves, comme des documents et des photos<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Faire un suivi aupr\u00e8s de votre assureur<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">\u00catre pr\u00eat \u00e0 ce que votre prime augmente\u00a0<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-weight: 400\">Vous ne devriez pas\u00a0:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Attendre avant de communiquer avec votre assureur<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Omettre ou d\u00e9former des informations<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Commencer des r\u00e9parations sans l\u2019autorisation de votre assureur<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Oublier de revoir votre police une fois la r\u00e9clamation r\u00e9gl\u00e9e <\/span><\/li>\r\n<\/ul><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-une-reclamation-d-assurance-auto\">Qu\u2019est-ce qu\u2019une r\u00e9clamation d\u2019assurance auto?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une r\u00e9clamation d\u2019assurance auto est une demande formelle que vous soumettez \u00e0 votre assureur pour recevoir une compensation apr\u00e8s un sinistre couvert. Si elle est approuv\u00e9e, la r\u00e9clamation sera financ\u00e9e par les primes mensuelles vers\u00e9es par tous les assur\u00e9s, regroup\u00e9es dans un fonds commun. Ce fonds sert ensuite \u00e0 couvrir les r\u00e9clamations, garantissant ainsi que le soutien soit disponible pour tous les assur\u00e9s en cas de besoin.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Gardez \u00e0 l\u2019esprit que vous ne pouvez soumettre une r\u00e9clamation que pour les incidents sp\u00e9cifiquement couverts par votre police d\u2019assurance. Par exemple, si vous \u00eates responsable de l&rsquo;accidents et que vous avez la protection ad\u00e9quate, telle que l\u2019<a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-la-protection-collision\/\">assurance collision<\/a>.<\/span> <span style=\"font-weight: 400;\">En revanche, l\u2019usure normale de votre v\u00e9hicule, comme la d\u00e9coloration de la peinture ou l\u2019usure des pneus, est consid\u00e9r\u00e9e comme de l\u2019entretien et n\u2019est pas couverte par les <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">d\u2019assurance auto au Canada<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance sert \u00e0 vous prot\u00e9ger en cas d\u2019incidents impr\u00e9vus, tels qu\u2019une collision ou un vol, mais l\u2019entretien r\u00e9gulier et la d\u00e9gradation naturelle de votre v\u00e9hicule sont toujours de votre responsabilit\u00e9 en tant que propri\u00e9taires.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_ee8e35d2cc5baa56e22f03eb4b01e0b9\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Comparez et achetez l\u2019assurance auto, en ligne.<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-les-bonnes-pratiques-en-matiere-de-reclamations-d-assurance-auto\">Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d\u2019assurance auto<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Que vous soyez sur le point de soumettre une r\u00e9clamation ou d\u00e9j\u00e0 en train de le faire, conna\u00eetre les bonnes pratiques et \u00e9viter les erreurs fr\u00e9quentes peut vraiment vous simplifier la t\u00e2che. Voici donc une liste des <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/\"><span style=\"font-weight: 400;\">actions \u00e0 prendre et \u00e0 \u00e9viter<\/span><\/a> <span style=\"font-weight: 400;\"> pour bien g\u00e9rer votre r\u00e9clamation d\u2019assurance auto et maximiser vos chances de succ\u00e8s.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Ce qu\u2019il faut faire<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Ce qu\u2019il faut \u00e9viter<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Pr\u00e9voir de payer votre franchise<\/td><td class=\"has-text-align-left\" data-align=\"left\">Attendre trop longtemps avant de contacter votre assureur<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Tenir des dossiers pr\u00e9cis et complets<\/td><td class=\"has-text-align-left\" data-align=\"left\">D\u00e9former ou oublier des faits<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Rester en contact r\u00e9gulier avec votre assureur<\/td><td class=\"has-text-align-left\" data-align=\"left\">Effectuer des r\u00e9parations sans obtenir l\u2019accord de votre assureur<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Anticiper une possible augmentation de votre prime<\/td><td class=\"has-text-align-left\" data-align=\"left\">Oublier de revoir votre police d\u2019assurance une fois la r\u00e9clamation finalis\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-soyez-pret-a-payer-votre-franchise\">Soyez pr\u00eat \u00e0 payer votre franchise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pour obtenir une indemnisation \u00e0 la suite d&rsquo;une r\u00e9clamation d&rsquo;assurance auto, vous devrez d&rsquo;abord payer votre franchise. Ce montant, que vous avez accept\u00e9 de couvrir lorsque vous avez souscrit votre police, est indiqu\u00e9 dans vos documents d&rsquo;assurance. Une fois votre franchise d\u00e9duite du montant total de la r\u00e9clamation, vous serez indemnis\u00e9 pour la somme restante, dans les limites de votre couverture.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-n-attendez-pas-trop-longtemps-avant-de-contacter-votre-assureur\">N\u2019attendez pas trop longtemps avant de contacter votre assureur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Apr\u00e8s avoir veill\u00e9 \u00e0 votre s\u00e9curit\u00e9 en appelant les services d&rsquo;urgence, une d\u00e9panneuse ou vos proches, assurez-vous de contacter votre assureur sans d\u00e9lai. M\u00eame si vous vous sentez stress\u00e9 ou incertain, ne remettez pas cet appel \u00e0 plus tard. Cela pourrait compliquer le processus de r\u00e9clamation et retarder l\u2019indemnisation. En contactant votre assureur rapidement, vous obtiendrez toutes les informations n\u00e9cessaires et enclencherez la proc\u00e9dure, \u00e9vitant ainsi des d\u00e9lais inutiles.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tenez-des-dossiers-precis-et-complets\">Tenez des dossiers pr\u00e9cis et complets<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">D\u00e8s l&rsquo;instant o\u00f9 un incident survient, prenez des photos des dommages sur votre v\u00e9hicule et gardez tous les re\u00e7us et documents li\u00e9s aux r\u00e9parations. Cela renforce consid\u00e9rablement votre dossier de r\u00e9clamation, en fournissant \u00e0 votre assureur des preuves concr\u00e8tes des dommages subis, facilitant ainsi le traitement de votre r\u00e9clamation et la gestion d\u2019\u00e9ventuels d\u00e9saccords. Avoir des photos de votre v\u00e9hicule avant l&rsquo;incident peut \u00e9galement s&rsquo;av\u00e9rer utile pour prouver son \u00e9tat initial.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ne-deformez-pas-les-faits\">Ne d\u00e9formez pas les faits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lorsque vous d\u00e9posez une r\u00e9clamation, soyez toujours pr\u00e9cis et transparent. Ne tentez pas de dissimuler certains d\u00e9tails ou de manipuler les faits \u00e0 votre avantage, ou d&rsquo;<\/span><a href=\"https:\/\/www.thezebra.com\/resources\/car-insurance\/legitimate-auto-insurance-hacks-vs-fraudulent-tactics\/\"><span style=\"font-weight: 400;\">essayer des soi-disant \u00ab astuces \u00bb<\/span><\/a><span style=\"font-weight: 400;\">. Cela pourrait entra\u00eener des retards, des complications, voire un rejet de la r\u00e9clamation. De plus, un dossier d\u2019assurance entach\u00e9 de fausses d\u00e9clarations peut rendre plus difficile et co\u00fbteuse l\u2019obtention d\u2019une protection future. Soyez honn\u00eate et rigoureux dans vos d\u00e9clarations, et vous maximiserez vos chances de voir votre r\u00e9clamation trait\u00e9e sans encombre.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-restez-en-contact-regulier-avec-votre-assureur\">Restez en contact r\u00e9gulier avec votre assureur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les assureurs g\u00e8rent plusieurs r\u00e9clamations simultan\u00e9ment, ce qui peut parfois entra\u00eener des retards. Pour vous assurer que votre r\u00e9clamation progresse comme pr\u00e9vu, restez en contact avec votre assureur tout au long du processus. Notez chaque \u00e9change et demandez des mises \u00e0 jour r\u00e9guli\u00e8res pour \u00eatre inform\u00e9 de l\u2019avancement de votre dossier et r\u00e9soudre rapidement tout probl\u00e8me.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-n-effectuez-pas-de-reparations-sans-obtenir-l-accord-de-votre-assureur\">N\u2019effectuez pas de r\u00e9parations sans obtenir l\u2019accord de votre assureur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Attendez toujours l\u2019approbation de votre assureur avant de commencer les r\u00e9parations de votre v\u00e9hicule. M\u00eame si vous souhaitez r\u00e9gler les d\u00e9g\u00e2ts rapidement, votre assureur pourrait exiger certaines d\u00e9marches \u00e0 suivre pour garantir que les r\u00e9parations soient couvertes et que vous receviez l\u2019indemnisation \u00e0 laquelle vous avez droit.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-attendez-vous-a-une-possible-augmentation-de-votre-prime\">Attendez-vous \u00e0 une possible augmentation de votre prime<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En <\/span><a href=\"https:\/\/driving.ca\/features\/insurance\/how-long-does-it-take-until-your-rate-comes-back-down-after-an-at-fault-collision\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> et au <\/span><a href=\"https:\/\/www.caaquebec.com\/fr\/conseils\/assurer-un-vehicule\/petits-dommages-dois-je-faire-une-reclamation-a-mes-assurances\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a> <span style=\"font-weight: 400;\"> une r\u00e9clamation d&rsquo;assurance automobile peut rester sur votre dossier pendant six ans. Puisque les assureurs consid\u00e8rent cela comme un indicateur de risque, vos primes pourraient augmenter apr\u00e8s une r\u00e9clamation. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par exemple, une <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/localite\/assurance-auto-quebec\/\"><span style=\"font-weight: 400;\">police d&rsquo;assurance auto de la compagnie Economical co\u00fbte en moyenne 991 $<\/span><\/a> <span style=\"font-weight: 400;\"> par ann\u00e9e pour les conducteurs qu\u00e9b\u00e9cois utilisant YouSet, tandis que ceux ayant une r\u00e9clamation \u00e0 leur dossier paient environ 1 143 $. L&rsquo;impact exact sur vos primes d\u00e9pendra de votre historique de r\u00e9clamations et des d\u00e9tails de chaque sinistre.<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-n-oubliez-pas-de-revoir-votre-police-d-assurance-une-fois-la-reclamation-finalisee\">N\u2019oubliez pas de revoir votre police d&rsquo;assurance une fois la r\u00e9clamation finalis\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Apr\u00e8s avoir v\u00e9cu une r\u00e9clamation d\u2019assurance auto, vous pourriez remarquer des aspects o\u00f9 votre protection pourrait \u00eatre am\u00e9lior\u00e9e ou des limites que vous souhaiteriez augmenter. Bien que vous ne puissiez pas changer ce qui est arriv\u00e9, c&rsquo;est le moment id\u00e9al pour ajuster votre police et vous assurer d&rsquo;\u00eatre mieux prot\u00e9g\u00e9 \u00e0 l&rsquo;avenir.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Que vous soyez un conducteur exp\u00e9riment\u00e9 ou que ce soit votre premi\u00e8re r\u00e9clamation, naviguer \u00e0 travers le processus d\u2019assurance peut parfois \u00eatre compliqu\u00e9. Quelles sont les \u00e9tapes \u00e0 suivre\u202f? Quelles erreurs devez-vous \u00e9viter\u202f? Bien que chaque compagnie d\u2019assurance ait ses propres pratiques, il y a des r\u00e8gles de base communes&#8230;.<\/p>\n","protected":false},"author":11,"featured_media":7309,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-7370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d&#039;assurance auto - YouSet<\/title>\n<meta name=\"description\" content=\"Une r\u00e9clamation d\u2019assurance auto est une demande officielle que vous soumettez \u00e0 votre assureur apr\u00e8s un incident, afin d\u2019obtenir une indemnisation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d&#039;assurance auto\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-07T05:01:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/10\/The-Dos-and-Donts-of-Car-Insurance-Claims-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d&rsquo;assurance auto\",\"datePublished\":\"2024-11-07T05:01:06+00:00\",\"dateModified\":\"2026-03-16T12:11:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/\"},\"wordCount\":1142,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/The-Dos-and-Donts-of-Car-Insurance-Claims-YouSet.webp\",\"articleSection\":[\"Assurance auto\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/reclamations-dassurance-auto\\\/\",\"name\":\"Les bonnes pratiques en mati\u00e8re de r\u00e9clamations d'assurance auto - 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