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icerd et A. Besson, Les Assurances tersestres, Tom 1-,d 1981. 2- Planiol (marcel) , traite element aire de dorit civil,2ed Tom 21 ,1997. 3-Sicot (lucien) at Margeat (Hanvi) precis de La Loi sur contract d assurance 4 ed 1962 . 4- C.cass 9 Dec . 1994,RG. AT,1994 . 5- note J.Bigot et c. cass,9 Mai,1994, R.G,D.A. 1988. 6- C.cass.13.no.RGD.A.1998 7- Cour de cassation,8 juin 1994 .paiement auxtiere Leses,R.G.T.A.1994. 1'(9'- E5'/1 E*A1B) : 1- 'D'9E'D 'D*-6J1J) DDE41H9 'D*EGJ/J DDB'FHF 'DE/FJ 'DE51J  'D,2! 'D.'E3 'D5'/1 9F H2'1) 'D9/D 'DE51J)  E7'(9 E/CH1  1950 . () *B'(DG' 'DE'/) (747) EF 'DB'FHF 'DE/FJ 'DE51J H'DE'/) (619) EF 'DB'FHF 'DE/FJ 'D,2'&1J H'DE'/) (920) EF 'DB'FHF 'DE/FJ 'D'1/FJ H'DE'/) (950) EF B'FHF 'DEH,('* H'D9BH/ 'DD(F'FJ. () /.16' 9(/ 'D-DJE 9(/ 'DE,J/  E/I ,H'2 'D*#EJF EF 'D.71 'D8FJ  /1'3) EB'1F)  CDJ) 'D-BHB  ,'E9) 'DEFHAJ)  2001 55 . () (/J9 '-E/ 'D3JAJ  'D*#EJF 9DE' H9ED'  E7(9) 'D2G1'!  1972  5 57 () / . E-E/ 419'F  'D.71 AJ 9B/ 'D*#EJF  EF4'G 'DE9'1A  'D'3CF/1J)  1984  5 102 . () M. picaed et A.Besson, Les Assurances terrestres, Tom  1  cinquieme edition, 1980, p.34 No. 21. () M. picaed et A.Besson , op.cit, p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m.picaed et A.Besson , Les Assurances tersestres, ed 1981 Tom 1 , p.34. () /. 9(/ 'DH/H/ J-JI  'DEH,2 AJ 9B/ 'D*#EJF  /'1 'DFG6) 'D91(J) 1986  5 34 . () /. F2JG E-E/ 'D5'/B 'DEG/J  E5/1 3'(B  5 45 . () 'DE'/) 1964 EF B'FHF 'D*,'1) 'DA1F3J D3F) 1807  EF4H1'* /'DH2  2002. () *B'(D 'DE'/) 121 / 15 EF B'FHF 'D*#EJF 1BE 5 AJ 7 JF'J1 1981 . () Planiol (marcel) , traite elementaire de dorit civil ,2 ed teme 21 , 1947 , p-938 , no. 3124. () *B'(D 'DE'/) D 124 / 1 EF B'FHF 'D*#EJF 1BE 5 AJ 7 JF'J1 1980 . ()Sicot (lucien) at margeat (CHanri) precis de la loi sur contract d`assurance , 4ed , 1962- p-227 et 228. () 'DE'/) 125 /15 EF B'FHF 'D*'EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1980. ()C-cass-13 nov  1997  R-G-D-A. 1998 , no  1 , p 130 note Mayaux . () Cour de cassation , 8 jain 1994 , paiement auxtiere leses ,R.G.T.A, 1994 , No. 3 note Fvincent . ()C. cass 9 Dec-1994 ,R.G.T.A, 1994 , No. 1 p.192 , note j  bigot et C . cass , Mai , 1994 , R.G.A.T. 1994 , No.3 p. 876, note J.bigot . FBD' 9F /. 16' 9(/ 'D-DJE 9(/ 'DE,J/  E5/1 3'(B  5 68 . () 91A B'FHF 'D*#EJF 'D(-1J 'D'FCDJ2J D3F) 1906 9B/ 'D*#EJF 'D(-1J 'D*J F5* E'/*G 'D'HDI 9DI 'FG :- (( 9B/ (EB*6'G J*9G/ 'DE$EF (*9HJ6 'DE$EF DG 9E' D-BG EF .3'&1 (-1J) (EH,( 'D'*A'B 'DH'1/ (JF 71AJ 'D9B/ )) . () 'DEF4H1 ('D,1J/) 'D13EJ) 'DE51J) 0J 'D9// 18 *'(9 AJ 3 E'JH 1990 . () /. 16' 9(/ 'D-DJE 9(/ 'DE,J/  E5/1 3'(B  5 90 . () /. E57AI CE'D  'DB'FHF 'D(-1J  /'1 'DE7(H9'* 'D,'E9J)  2000  5 495 () /. E-EH/ 3EJ1 'D41B'HJ  E5/1 3'(B  5 75 . () /. 9DJ ,E'D 'D/JF 9H6  E5/1 3'(B  5 374 . 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