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HC0DC 'D2E 'DE419 'DA1F3J (G0', 'F F5* 'DE'/) D 140/4 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981 9DI 'F :- (JD*2E 7'D( 'D*#EJF ('F J3DE 'DE4*1C E0C1) E9/) EF 'DE$EF *-// 'D6E'F'* H"DJ) *7(JBG', HC0DC 'D',1'!'* 'DH',( '*.'0G' 9F/ HBH9 'D.71 'DE$EF EFG). HJAGE EE' *B/E 'F E0C1) 'D*(5J1 *9/ H3JD) D'9D'E 'DE4*1C (E'DG EF -BHB HE' 9DJG EF 'D*2'E'*, H('D*'DJ A'F 'D'D*2'E (*3DJEG' 'DI 'DE4*1C D' J:FJ 9FG' #J ',1'! JECF 'F J*.0G 7'D( 'D*#EJF, (J/ 'F 'D'D*2'E (*3DJE E0C1) 'D*(5J1 D' J31J '0' C'F 9B/ 9B/ 'D*#EJF 'D,E'9J D:16 *3/J/ 'DB16 'D0J J(1EG 'DE51A D6E'F *-5JD E' JEF-G DD9JED EF B16, HG0' D' J9FJ 'F 7'D( 'D*#EJF J9AI EF 'D'D*2'E (*(5J1 'DE4*1C, AB/ F5* 'DE'/) 6 EF 'DB'FHF 'DA1F3J 1BE 596 AJ 13 JHDJH 1979 9DI 'F :- (JD2E 7'D( 'D*#EJF ('F J1AB (9B/ 'DB16 E0C1G 'D*(5J1 'D*J *9// 'D'.7'1 'DE2E9 'D*#EJF 6/G' E9 (J'F ,EJ9 'DH3'&D 'D*J JF(:J '*('9G' DH69 'D*#EJF -J2 'D*7(JB). :J1 'F 'D*2'E 7'D( 'D*#EJF D' J*HBA 9DI *3DJE E0C1) 'D*(5J1  (D JD*2E (*(5J1 'DE4*1C (9B/ 'D*#EJF 'D,E'9J E' H1/ AJ 'DE0C1) EF (J'F'*, 'D' 'F 'DH'B9 'D9EDJ AJ 'D91'B *BHE 41C) 'D*#EJF 'DH7FJ) (*F8JE ,/HD E4'1' AJG ,ED) (J'F'* EFG' E' **9DB ('3E 'DE4*1CJF H9E1GE  HEGF*GE  HFH9 'D.71 'DE1'/ 'D*#EJF EFG. 'DA19 'D+'D+ 'D'D*2'E ('D'/D'! ('D(J'F'* 'DE*9DB) ('D.71 J9/ 'D'D*2'E ('D'/D'! 'D(J'F'* 'DE*9DB) ('D.71 EF 'D'D*2'E'* 'DEGE) 'D*J *B9 9DI 9'*B 'DE$EF DG, '0 D'(/ EF 'D'/D'! ('D(J'F'* 'DE*9DB) ('D.71 EF -J+ *H6J- C'A) 'D81HA H'DED'(3'* 'D*J *-J7G DJ*ECF 'DE$EF EF .D'D E' *CHF DG EF AC1) -HD 7(J9) 'D.71 H-/*G, DCJ J*ECF EF *-/J/ 'DB37 'D0J **F'3( E9 'D.71. F5* 'DE'/) 986/2 EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 40 D3F) 1951 'DE9/D 9DI 'F :- (JD*2E 'DE$EF DG (E' J'*J:- (- 'F JB11 HB* '(1'E 'D9B/ CD 'D81HA 'DE9DHE) H'D*J JGE 'DE$EF E91A*G' DJ*ECF EF *B1J1 'DE.'71 'D*J J'.0G' 9DI 9'*BG HJ9*(1 EGE' AJ G0' 'D4'F 'DHB'&9 'D*J ,9DG' E-D 'DE$EF '3&D) EC*H()). HF5* 'DE'/) 20 EF E/HF) 'D*#EJF 'DE:1(J) 9DI 'F:- (JD2E 'DE$EF DG:- 2- ('F J51- 9F/ '(1'E 'D9B/ (CD 'D81HA 'DE91HA) D/JG H'D*J EF 4'FG' 'F *ECF 'DE$EF EF *B1J1 'D'.7'1 'D*J J*-EDG'). JD'-8 EF 'DF5H5 'DB'FHFJ) AJ '9D'G 'F 'D'/D'! ('D(J'F'* 'DE*9DB) ('D.71 *9/ 'D*2'E' B'FHFJ' H9DI G0' 'D'3'3 JECF DDE$EF DG (FA3G 'H ('J) 71JB) 'F J.*'1 EF 'D'/D'! ('D(J'F'* 'D*J **9DB ('D.71 'DE1'/ 'D*#EJF 6/G, (J/ 'FG B/ ,1* 'D9'/) BJ'E 'DE$EF ('9/'/ '3*E'1) *F5 ,ED) EF 'D'3&D) 'DE-//) J*HDI 'DE$EF DG 'D','() 9FG' (5/B H51'-) DCJ JECF 'DE$EF EF B(DHD *:7J) 'D.71, (J/ 'F 9/E '9D'E 'DE$EF ('D81HA H'DED'(3'* 'D*J **9DB ('D.71 'H '.A'! (96 'DE9DHE'* 'D*J **9DB ('D.71 'DE1'/ 'D*#EJF EFG, B/ J/A9 'DE$EF 'DI A3. 'D9B/ D'F 'D'/D'! (G0G 'D(J'F'* *9/ '3'3' 9B/ 'D*#EJF 'DE29E 9B/G, '0 'F #J '.D'D (G0G 'D(J'F'* *9/ '.D'D' ,HG1J' ('D9B/ B/ J$/J 'DI A3.G, H9DI 3(JD 'DE+'D '.A'! 'DE4*1C 9EDJ) ,1'-J) ',1J* DG H*1C* '+1 E' 9DI F4'7G 'DEGFJ 'H 916 D-'/+ B(D '(1'E 'D9B/, HEGE' JCF A'F 'DE$EF DG JD*2E 'J6' (*H6J- #J E/DHD H'1/ AJ 'DE0C1) DDE4*1C DJCF 9DI (JF). 'DA19 'D1'(9 'D'D*2'E ('.7'1 'DE$EF (*A'BE 'D.71 JD*2E 'DE$EF DG 3H'! C'F AJ 9B/ 'D*#EJF 'DA1/J 'H 'D,E'9J ('.7'1 'DE$EF (CD 'D'-H'D H'D81HA 'D*J *3*,/ H*$+1 9DI 'D.71 EE' J$/J 'DI 2J'/) -/*G 'H *A'BEG. F5* 'DE'/) 986/,@ EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 40 D3F) 1951 'DE9/D 9DI 'F :- (,@ 'F J.71 'DE$EF (E' B/ J71' '+F'! 'D9B/ EF '-H'D EF 4'FG' 'F *$/J 'DI 2J'/) G0G 'DE.'71). CE' F5* 'DE'/) 20/4 EF E/HF) 'D*#EJF 'DE:1(J) :- (JD2E 'DE$EF DG:- 3- ('F J51- DDE$EF 7(B' DDE'/) 24 EF G0' 'DB'FHF, ('D81HA 'DEF5H5 9DJG' AJ (HDJ5) 'D*#EJF H'D*J JF*, 9FG' *A'BE 'D'.7'1) () HC0DC F5* 'DE'/) D 113/2 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981 9DI 'F:- (JD2E 'DE$EF DG ('.7'1 'DE$EF (CD E' J3*,/ EF 81HA 9DI 'F JCHF B/ *6EFG' 9B/ 'D*#EJF H*$/J 'DI 2J'/) -/) 'D.71 H*A'BEG .D'D (8) +E'FJ) 'J'E EF 9DE 'DE$EF ('D81HA 'DE3*,/G 'D*J 3'GE* AJ 2J'/) 'D.71 H*A'BE -/*G *(/' EF *'1J. 9DE 'DE$EF DG (0DC). JD'-8 EF 'DF5H5 'DB'FHFJ) AJ '9D'G 'F CD EF 'DE419 'DE:1(J H'DE419 'DA1F3J B/ 6JB' EF 'D*2'E 'DE$EF DG ('.7'1 'DE$EF 9F CD E' J3*,/ 'H J71' EF '-H'D 'H 81HA #J 2J'/) AJ -/) 'D.71 'H *A'BEG 417 'F *CHF G0G 'D81HA 'H '-H'D B/ *6EFG' 9B/ 'D*#EJF (E9FI DH 'F +E) 81HA 'H '-H'D DE JF5 9DJG' 9B/ 'D*#EJF H'/* 'DI 2J'/) -/) 'D.71 H*A'BEG A'F 'DE$EF DG :J1 ED2E ('.7'1 'DE$EF (0DC. AJ -JF 'F 'DE419 'D91'BJ ,'! -CEG H'39', CE' JD'-8 'F CD EF 'DE419 'D91'BJ H'DE419 'DE:1(J H'DE419 'DA1F3J DE J-//H' 4CDJ) E9JF) J*9JF 'D'D*2'E (G' 9F/ '.7'1 'DE$EF, H('D*'DJ JECF 'F JCHF 'D'.7'1 *-1J1J' 'H 4AHJ' 'H 'J) H3JD) E' /'E* 3*9DE 'DE$EF (0DC 'H B/ J*AB 71AJ 'D9B/ AJ *-/J/ 4CDJ) E9JF) DD'.7'1. 'E' EF -J+ E/) 'D'.7'1 AB/ -// 'DE419 'DE:1(J H'DA1F3J E/) (8) +E'FJ) 'J'E JF(:J .D'DG' 9DI 'DE$EF DG '.7'1 'DE$EF ('D81HA 'DE3*,/) 'D*J '/* 'DI 2J'/) 'D.71 H*A'BEG, AJ -JF 'F 'DE419 'D91'BJ DE J1/ F5' 6EF 'D'-C'E 'D9'E) D9B/ 'D*#EJF AJ 'DB'FHF 'DE/FJ 1BE 40 D3F) 1951 'DE9/D J-// AJG' E/) 'D'.7'1, H9DI G0' 'D'3'3, J1,9 'DI 'D91A 'D*#EJFJ H:'D(' E' *CHF GF'C E/) E9BHD) JF(:J EF .D'DG' '9D'E 'DE$EF DG (-'D) *A'BE 'D.71 H-/*G (-J+ 'FG DH *'.1 9FG' J9/ E.D' ('D2'EG. F'ED EF 'DE419 'D91'BJ *9/JD '-C'E 'DE'/) 986/,@ EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 40 D3F) 1951 D*CF 9DI 'DF-H 'D'*J:- (JD*2E 'DE1EF DG (E' JDJ:- ,@- 'F J.71 'DE$EF (E' B/ J71' EF '-H'D EF 4'FG' 'F *$/J 'DI 2J'/) -/) 'DE.'71 .D'D +E'FJ) 'J'E EF *'1J. 9DE 'DE$EF DG (*A'BEG'). 'DE7D( 'D+'FJ 'D*2'E'* 'DE$EF (9/ 'F *E *H6J- AJ 'DE(-+ 'D3'(B 'D*2'E'* 'DE$EF DG 'D*J 'GEG' 'D'D*2'E (*3/J/ B37 'D*#EJF, A6D' 9F  'D'D*2'E'* 'D'.1I . AD' (/ DF''J6' EF *H6J- 'D*2'E'* 'DE$EF AJ 9B/ 'D*#EJF 'D,E'9J  H'D*J EF 'GE 'D*2'E'*G ,'F JBHE ('9/'/ E0C1) 'D*(5J1D'GEJ*G' AJ '9/'/ 'D9B/ H*-/J/ F7'BG ,('D'6'A) 'DI 'D'D*2'E (*3/J/ E(D: 'D*#EJF 9F/ FGH6 E3$HDJ*G HD*H.J 'DB5/ 'DEF4H/ 3F*F'HD G0JF 'D'D*2'EJF AJ E7D(JF  #HDGE'  '9/'/ E0C1) 'D*(5J1  H+'FJGE'  '/'! E(D: 'D*#EJF H9DI 'DF-H 'D'*J: 'DA19 'D'HD '9/'/ E0C1) 'D*(5J1 EF 'D*2'E'* 'DE$EF AJ 9B/ 'D*#EJF 'D,E'9J, 'D'D*2'E ('9/'/ E0C1) 'D*(5J1, H*(12 'GEJ) G0G 'DE0C1), ('FG' *-// -BHB H'D*2'E'* 'DE4*1C AJ 9B/ 9B/ 'D*#EJF 'D,E'9J, HDG0' JD'-8 'F 'DE$EF J(0D 9F'J) AJ '9/'/G', (-J+ **6EF 9('1'* H'6-) D' D(3 AJG' HD' *F'B6 H('3DH( /BJB .'DM EF #J :EH6 'H D(3, D'F #J :EH6 'H D(3 'H *F'B6 AJ 9('1'*G' 3J$+1 9DI 9B/ 'D*#EJF, EE' B/ J$/J 'DI FGH6 E3$HDJ) 'DE$EF ('D6E'F, (J/ 'F G0' 'D'E1 F'/1 'D-/H+, D'F 'DE$EF 9F/E' J*HDI 5J':) 'DE0C1) JCHF 9DI /1,) 9'DJ) EF 'D/B) H'DH6H- H('D*'DJ J*-ED #J B5H1 AJ 5J':) 'DE0C1). (J/ 'F *F'B6 'D41H7 'DH'1/) AJG' E9 (FH/ 9B/ 'D*#EJF 'H :EH6G' D' JA31 DE5D-) 'DE/JF ('D6E'F, D'F B'9/) 'D4C JA31 D5'D- 'DE/JF D'*,/ EC'FG' AJ 9BH/ 'D*#EJF, D'F 9B/ 'D*#EJF 3H'! C'F A1/J' 'H ,E'9J' J9/ EF 9BH/ 'D%09'F(). H9DI G0' 'D'3'3 A'0' '-*H* E0C1) 'D*(5J1 #J :EH6 'H *F'B6 E9 41H7 9B/ 9B/ 'D*#EJF 'D,E'9J, A'F G0G 'D41H7 'DH'1/) AJ 'D9B/ *9/ :J1 F'A0) EF -B 'DE4*1C  ('D*'DJ J3*-B 'D6E'F HAB E' ,'! AJ E0C1) 'D*(5J1 'D*J 9DI 9DE (G' D' HAB E' ,'! (41H7 'D9B/ 'D*J DE J9DE (G'() . 'DA19 'D+'FJ '/'! E(D: 'D*#EJF 'F 'D*2'E 'DE$EF ('D6E'F AJ 9B/ 'D*#EJF 'D,E'9J D' J.1, (7(J9*G 9F 'D*2'E 'DE$EF AJ 9BH/ 'D*#EJF 'D'.1I, A'0' E' '3*HAI 'DE4*1C AJ 9B/ 9B/ 'D*#EJF 'D,E'9J 'D41H7 'D*J J*7D(G' 'D9B/ H*-BB 'D.71 'DE$EF 6/G FG6* E3$HDJ*G H'D*2'EG ('/'! E(D: 'D*#EJF 'H 'D*9HJ6 HE' *9G/ (G AJ 'D9B/ 9F '.('1G (HBH9 'D.71 EF -J+ 'DCJAJ) H'D4CD 'D0J F5 9DJG 'D9B/ HE' ,'! AJ E0C1) 'D*(5J1 'D*J 3(B 'F '9/G', -J+ JD*2E 'DE$EF ('/'! E(D: 'D*#EJF 'H 1'3E'D 'H 'D*9HJ6 -3( FH9 'D.71 'DE*-BB  -J+ J*HDI *B/JEG 'DI 'DE3*AJ/ EF 'D9B/ 'D0J B/ JCHF 'DE4*1C FA3G 'H 7'D( 'D*#EJF CE' AJ 9B/ 9B/ 'D*#EJF 'D,E'9J D6E'F 'DB1H6. F5* 'DE'/) 989 EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 40 D3F) 1951 'DE9/D 'DI :- (JD*2E 'DE$EF (*9HJ6 'DE3*AJ/ 9F 'D611 'DF'4& 9F HBH9 'D.71 'DE$EF 6/G 9DE 'F D' J,'H2 0DC BJE) 'D*#EJF). CE' F5* 'DE'/) 19 EF E/HF) 'D*#EJF 'DE:1(J) 9DI 'F :- (9F/ *-BB 'D.71 'DE6EHF 'H9F/ -DHD ',D 'D9B/, J,( 9DI 'DE$EF /'.D 'D',D 'DE*AB 9DJG *3/J/ 'D*9HJ6 'H 'DE(D: 'DE-// -3( 9B/ 'D*#EJF. D' JD2E 'DE$EF (/A9 'C+1 EF 'DE(D: 'DE$EF 9DJG). HB/ F5* 'DE'/) D 143/5 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1951 9DI 'FG:- (9F/ *-BB 'D.71 'H -DHD 'D',D 'DE9JF AJ 'D9B/, JD*2E 'DE$EF .D'D 'DE/) 'DE*AB 9DJG', (/A9 E(D: 'D*#EJF HD' JCHF ED*2E' (E' J2J/ 9F 0DC). J*6- DF' EF 'DF5H5 'DB'FHFJ) AJ '9D'G 'F 'DE$EF JD*2E (/A9 E(D: E*I E' *-BB 'D.71 'DE$EF 6/G , 'D0J J9/ 'D'D*2'E 'D'3'3J DDE$EF. 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amay Assurances, ed. 2000. Picard (M) Busson (A), Les assurances terrestres, t . I, le contract d 'assurance, de- L.G.D.J. ed, 1982,. Picard (M) et bassoon (A), les Assurances terrestres , Tom -1- cinquieme edition, 1980, P34. Scheutivoux, les assurances, obigatores des travau de batiment, Encyc. Delmes pour la vie des offairese Ler Thed Damles, Juin, 1990. V.James landel, les mecanismes Juridiques de La aasurance de groupe, Ass. Franc aise, 1983. V.J. Lander , La assarance de groupe a la lumiere de la jurisprudence recente, R.G.A.T.1993. V.D.Veaux, Assurance de groupe, Juris classeur, 1996, Responsibilite civile, Fase. Civile Annexes Assureance Fase. 18ed.1996. /- 9F 'DE5'/1 'D'.1I H+JB) 'D*#EJF 9DI 'D-J') 'D5'/1) 9F 41C) 'D*#EJF 'DH7FJ) AJ ,EGH1J) 'D91'B. H+JB) 'D*#EJF 9DI 'D-H'/+ 'D4.5J) 'D,E'9J) 'D5'/1) 9F 41C) 'D*#EJF 'DH7FJ) AJ ,EGH1J) 'D91'B. (*) #3*DE 'D(-+ AJ 21/12/2008 *** B(D DDF41 AJ 9/12/2009 . (1) V.J. Landel ,La assurance de groupe a la lumiere de la jurisprudence recente, R.G.A.T.1993 1.P.9 () 'F81 'DE'/) 'D.'E3) / #HD'K -130 EF 'DB'FHF 'D*,'1J 'D91'BJ 1BE 30 D3F) 1984 'DE9/D H'DE'/) 632/ 12 EF B'FHF 'D*,'1) 'DA1F3J. () *,/ 'D'4'1) 'DI 'F G0G 'DE'/) '6JA* (EH,( 'DB'FHF 1014 AJ 31 /J3E(1 1989 'DI '-C'E B'FHF 'D*#EJF ''DA1F3J '9D'G. () ./ 9(/ 'D12'B 'D3FGH1J , 'DH3J7 AJ 41- 'DB'FHF 'DE/FJ , , /7 9BH/ 'D:11 H'DEB'E1) H'D1G'F H'DE*1*( E/I 'D-J') H9B/ 'D*#EJF, /'1 'DFG6) 'D91(J), 1964, 5 1403 'H 5 1404, HC0DC:- Picard (M) Busson (A), Les assurances terrestres,t. I, le contrat d 'assurance, ed, L.G.D.J. 1982, P. 410 () /. 9(/ 'D12'B 'D3FGH1J , E5/1 3'(B, 5 1404 H 5 1405. () /. ,'(1 E-,H( 9DJ, 'D,H'F( 'DB'FHFJ) DD*'EJF 'D,E'9J , /'1 'DFG6) 'D91(J) , 1999, 5 6. () /. ,'(1 E-,H( 9DJ, E5/1 3'(B, 5 11. (1) V.D Veaux, Assurance de groupe, Jurisclasseur, 1996, Responsibilite civile, Fase, Civile Annexes Assureance Fase. 18ed.1996.P.4. (1) Lamay Assurances, op.c.t.p N342.2 . () /. '(1'GJE 'D/3HBJ '(H 'DDJD,'D(J9 'D*B3J7 H'D(JH9 'D'&*E'FJ) 'D'.1I, E7(H9'* ,'E9) 'DCHJ* , 1984 , 5 211 H 5 216, 5 217 () /. ,'(1 E-,H( 9DJ, E5/1 3'(B, 5 4 H5 5. () 'DE'/) 140/1 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 8 JF'J1 1981 H'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J). (1) V.James landel, les mecainsmes Juridiques de la assurance de groupe, Assur. Franq aise, 1983, P.78 () /. E-EH/ -3'E E-EH/ D7AJ, 'D'-C'E 'D9'E) D9B/ 'D*#EJF, /1'3) EB'1FG (JF 'DB'FHFJJF 'DE51J H'DA1F3J, /'1 'D+B'A) DD7('9) H'DF41, 1988 5 73, H /. 9(/ 'D12'B 'D3FGH1J,E5/1 3'(B, 5 1405. () 'DE'/) 1040/ 1 EF 'DE41H9 'D*EGJ/J DDB'FHF 'DE/FJ 'DE51J , ,5, E7'(9 E/CH1, 'DB'G1), 1905. (4) V.James Lendal, Op.cit,p.78,et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ass l civ19ma: 1987, R.G.A.T, 1987, p.44ets, Cass l civ. 11 oct. 1989. R.G.T 1989, p. 102, Cass l civ. 19ma: 1987, R.G.A.T. 1987, p.44 ets, Cass . l civ, 11 oct. 1988. R.G.A.T, 1989, p.102. FBD' 9F /. ,'(1 E-,H( 9DJ , 'DE5/1 'D3'(B , 5 49 H5 50. () JB5/ ('D*#EJF 'DE.*D7 9B/ JD2E 'DE$EF (/A9 E(D: 'D*#EJF 'D0J JCHF 'E' JCHF 1#3E'D 'H 'J1'/ E1*( E/I 'D-J') 'DI 'DE3*AJ/ 9F/ HA') 'DE$EF DG EB'(D BJ'E 'D'.1 *3/J/ /H1J) J3//G' DDE$EF EF .D'D E/) E9JF) 9DI 417 (B'! 'DE$EF DG 9DI BJ/ 'D-J') -*I FG'J) G0G 'DE/). DDE2J/ 'F81 /. 9(/ 'DH/H/ J-JI , 'D*#EJF 9DI 'D-J') , EC*() 'DB'G1) 1964 , 5 5 HE' JDJG'. () / . ,'(1 E-,H( 9DJ , E5/1 3'(B, 5 51. () / . 9(/ 'D12'B 'D3FGH1J , E5/1 3'(B , 5 1406. () / . ('3E E-E/ 5'D-, 'D9BH/ 'D*,'1J), 'D'33 'DF81J) H'D9EDJ) DD'(1'E H'D*FAJ0, (-+ EF4H1 AJ E,D) 'D9DHE 'DB'FHFJ), 'DE,D/ 'D+'FJ, 'D9// 'D'HD H'D+'FJ, *5/1 9F ,'E9) (:/'/, CDJ) 'DB'FHF, E7(9@@) 'D9'FJ, 1989. 5 47. () *F5 'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J) *F5 9DI 'F:- (J9*(1 9B/ *#EJF ,E'9J, 'D9B/ 'D0J JC**(G 4.5 E9FHJ 'H 1&J3 EB'HD) J/9I EC**(' B5/ 'F.1'7 E,EH9) EF 'D'4.'5 EF.17JF E3*HAJF D41H7 E-//) AJ 'D9B/ 'DE0CH1), EF ',D *:7J) 'D'.7'! 'DE*9DB) ('DE16 'H 'D'EHE) HC0' '.7'1 'D9,2 'H 'D2E'F) J,( 'F JCHF DDEF.17JF 9D'B) EF FA3 'D7(J9) E9 'DEC**() () *F5 'DE'/) D 140/1 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981 9DI 'F:- ('D*#EJF 'D,E'9J, 9B/ J(1E (JF 4.5 E9FHJ 'H 5'-( E41H9 E9 'DE$EF D'4*1'C E,EH9) EF 'D'4.'5 J3*HAHF 41H7' J-//G' 'D9B/, D*:7J) '.7'1 *1(*7 (E/) -J') 'D'F3'F 'H 'D'.7'1 'D*J *E3 3D'E*G 'D(/FJ) 'H 'DE*9DB) ('D'EHE) 'H '.7'1 9/E 'DB/1) 9DI 'D9ED 'H 'D9,2 'H 'D(7'D)) () 'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J) H'DE'/) D 140/1 F B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981 'DE9/D. (*) JECF 'D'7D'9 9DI H+JB) 'D*#EJF 'D,E'9J 'D*J *:7J 'D-H'/+ 'D4.5J) 'D,E'9J) 'D1BE 30/43/616/2007/2 'D5'/1) 9F 41C) 'D*#EJF 'DH7FJ) -J+ 7D( 7'D( 'D*#EJF 'D41C) 'D9'E) DD3EF* 'D4E'DJ) / FJFHI 4EHD C'A) 'D9'EDJF D/JG' EF EH8AJF H9E'D ('DH+JB) /HF '3*+F'!. () JB5/ ('D*#EJF 9DI 'D-J') -'D) 'DHA') ('FG 9B/ JD2E 'DE$EF ('F J/A9 'DI 'DE3*AJ/ 'DE(D: 'DE*AB 9DJG 9F/ (/'J) 'D*9'B/ (E,1/ HA') 'DE$EF 9DI -J'*G HGJ +D'+) 'FH'9 'D*#EJF 'D9E1J, 'D*#EJF 'DE$B*, H'D*#EJF 'D(BJ'- *'EJF 'D(B'! 9DI B/ 'D-J')- DDE2J/, /. E-E/ -3'E E-EH/ D7AJ, E5/1 3'(B, 5 61 'DI 5 64. () F5* 'DE'/) 922 EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 40 D3F) 1951 9DI 'F:- (JB9 ('7D' 'D*#EJF 9DI -J') 'D:J1, E'DE JH'AB 'D:J1 9DJG C*'() B(D '(1'E 'D9B/) () (B5/ 'D*#EJF 'DE6'/, 9B/ J(1EG 'DE$EF 9DI -J'*G EB'(D BJ'EG (*3/J/ 'DB37 DJECF .DAG EF '3*1/'/ 'D'B3'7 'DE3//) AJ -'D) 'DB6'! 9B/ 'D*#EJF (HA') 'DE$EF 9DI -J'*G. /. E-E/ -3'E E-EH/ D7AJ, E5/13'(B, 5 66. (1) lamay Assurances, O.P.Cit, N3534,P.676.col.2 (*) 'F81 FEH0, 1BE (1) 'D.'5 ('3*E'1) 7D( *'EJF -J') .'5 ('DEA*16 EF 'DE51A AB/ *E '9/'/ '3*E'1) 3 6H! 'DE9DHE'* 'D.'5) ('D*#EJF 'D,E'9J. () 'DE'/) 992 EF 'DB'FHF 'DE/FJ 'D91'BJ 1BE 41 D3F) 1951 'DE9/D, 'DE'/) 68 EF E/HF) 'D*#EJF 'DE:1(J), 'DE'/) D 132/ 2 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981. (1) Lamay Assurances. O.P.C.i.T. N3450, P.1624 . () / . ,'(1 E-,H( 9DJ , E5/1 3'(B , 5 153. () / . E-E/ 419'F , 'D-81 AJ 9B/ 'D*#EJF , EF4') 'DE9'1A , 'D'3CF/1J) 1984 , 5 10 HC0DC : Picard (M) et bassoon (A), les Assurances terrestrese, Tom -1- cinquieme edition, 1980, P34, N 21. () /. 9(/ 'DH/H/ J-JI , 'DE1,2 AJ 'D*('JF , /'1 'DFG6) 'D91(J) , 1986 , 5 33 . () / , 1E6'F '(H 'D39H/, 'DE$,2 AJ 41- 'D9BH/ 'DE3E') , 9BH/ 'D(J9 'DEB'J6), 'D*#EJF, /1'3) EB'1F) AJ 'DB'FHF 'DE51J H'DD(F'FJ , /'1 'D,'E9) DD7('9) H'DF41 , (J1H*, 1994, 5 518, G'E41. () /. E-E/ 419'F  E5/13'(B  5106. () 'F81 3'(B' / # EF H+JB) 'D*#EJF 'D,E'9J 'D5'/1) 9F 41C) 'D*#EJF 'DH7FJ) AJ 'D91'B. (2) Lamay Assurances, O.P. cit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lamy Assurances , op.cit,p.1709. () 'F81 'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J H'DE'/) 140/1 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981. (3) lamy Assurances , op.cit,p.1709. () 'F81 'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J) H'DE'/) D 140/1 EF B'FHF 'D*#EJF 'DA1F3J 1BE 5 AJ 7 JF'J1 1981. (1) Lamy Assurances , op.cit,p.1709. () 'F81 AJ 'D(F/ (6) EF 'D41H7 'D9'E) EF H+JB) 'D*#EJF 6/ 'D-H'/+ 'D4.5J) 'D,E'9J) 'D5'/1) 9F 41C) 'D*#EJF 'DH7FJ) AJ 'D91'B. () 'DE'/) 103 EF E/HF) 'D*#EJF 'DE:1(J). () / . 9(/ 'D,('1 F',J 'DED' 5'D-, E(/' -3F 'DFJ) AJ *FAJ0 'D9BH/, 13'D) E' ,3*J1 EB/E) 'DI CDJ) 'DB'FHF H'D3J'3) AJ ,'E9) (:/'/, E7(9) 'DJ1EHC , 1974, 5 120, 5 124. (1) Scheutivoux, les assurances, obigatores destraure des travua batiment, Encyc. Dalmes pour la vie des affairese ler Thed Damles, Juin, 1990, p.55. () / . 9(/ 'D,('1 F',J 'DED' 5'D-, E(/' -3F 'DFJ) AJ *FAJ0 'D9BH/, 13'D) E' ,3*J1 EB/E) 'DI CDJ) 'DB'FHF H'D3J'3) AJ ,'E9) (:/'/, E7(9) 'DJ1EHC , 1974, 5 120, 5 124. () /. ,'(1 E-,H( 9DJ, /. .'D/ 'DG0J'FJ, '-C'E 'D*#EJF AJ 'DB'FHF 'DCHJ*J E9 EB'1F) ('DB'FHF 'DE51J H'DA1F3J, E7(H9'* H-/) 'D*'DJA H'D*1,E) H'DF41 (CDJ) 'D-BHB, ,'E9) 'DCHJ@*, 1991 5 176 H 5 177. () /. '-E/ 'D39J/ 41A 'D/JF, 9BH/ 'D*#EJF H9BH/ 6E'F 'D'3*+E'1 H'B9G' 'DE'DJ H-CEG' 'D419J, /HF /'1 'DF41, 1982, 5 49. () /. 9(/ 'DB'/1 'D97J1  'D*#EJF 'D(1J AJ 'D*41J9 'D'1/FJ  EC*() /'1 'D+B'A) DDF41 H'D*H2J9  9E'F ,D'1/F  1995  5160. () F5* 'DE'/) 1'(9'K EF H+JB) 'D*#EJF 9DI 'D-J') 9DI 'F (EGD) 'D/A9 : *97J EGD) 'E/G' +D'+HF JHE'K D*3/J/ CD B37 EF 'D'B3'7 'D*J *DJ 'DB37 'D'HD HJ(BI 'D*#EJF .D'D G0G 'DEGD) 3'1J 'DEA9HD H%0' HB9* 'DHA') .D'D EGD) 'D/A9 A'F 'DB37 'DE3*-B H:J1 'DE/AH9 J71- EF 'DE(D: 'DH',( 'D/A9 (EH,( G0' 'D9B/. () F5* 'DE'/) 24 EF E/HF) 'D*#EJF 'DE:1(J) 9DI 'F ('0' *A'BE* 'D'.7'1 'DE$EF DG (-J+ 'FG DH C'F* 'DH69JG 'D,/J/) EH,H/) HB* '(1'E 'D9B/ DE' *9'B/ 'DE!EF 'H DB'E (G EB'(D B37 '9DI H,( 9DI 'DE$EF DG 'F J51- E3(B' DDE$EF (-'D) 'D*A'BE H0DC (H'37) 13'D) E6EHF) '0' *A'BE* 'D'.7'1 /HF A9D 'DE$EF DG, H,( 9DI G0' 'D'.J1 'F J51- (0DC (H'37) 13'D) E6EHF) JH,GG' 'DI 'DE$EF /'.D ',D +E'FJ) (8) 'J'E '(*/'! EF HB* 9DEG (0DC . . . ) () / . ,'(1 E-,H( 9DJ , /. .'D/ 'DG0J'FJ ,E5/13'(B, 5 122. () / . ,'(1 E-,H( 9DJ , E5/13'(B, 5 250. () Cass. L'cir.14 Jun, 1989 . R. G.A.T 1990 -1- P. 173, Note L.Anea. FBD' 9F / . ,'(1 E-,H( 9DJ , E5/13'(B, 5 203. (*) D'-8 'DFEH0, 1BE (1)0 (1) JB5/ ('D:J1 'D4.5 'D7(J9J 'H 'DE9FHJ 'D',F(J *E'E' 9F 'D9B/ HDJ3 71A' F*G HD' J9/ .DA' 9'E' 'H .'5' D'-/ '71'A 'D9B/, CE' D' J9/ /'&F' D'J EFGE'. - :FJ -3HF 9DJ, 'DH,J2 AJ 'DF81J) 'D9'E) DD'D*2'E, 'DC*'(, 'DC*'( 'D'HD E5'/1 'D'D*2'E, (:/'/, 1971, 5 321.     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