{"id":3781,"date":"2025-08-26T12:47:41","date_gmt":"2025-08-26T10:47:41","guid":{"rendered":"https:\/\/www.bek-consulting.eu\/non-classifiee\/voiture-detruite-apres-un-accident-quels-sont-vos-droits\/"},"modified":"2025-08-28T10:38:46","modified_gmt":"2025-08-28T08:38:46","slug":"voiture-detruite-apres-un-accident-quels-sont-vos-droits","status":"publish","type":"post","link":"https:\/\/www.bek-consulting.eu\/fr\/nouvelles\/voiture-detruite-apres-un-accident-quels-sont-vos-droits\/","title":{"rendered":"Voiture &#8220;d\u00e9truite&#8221; apr\u00e8s un accident : quels sont vos droits ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3781\" class=\"elementor elementor-3781 elementor-3685\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03b0f32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03b0f32\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;a5915dc&quot;,&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf2bcc3\" data-id=\"bf2bcc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b62c27a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b62c27a\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;afb7238&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da76418\" data-id=\"da76418\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-544e8df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"544e8df\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f3ea29b\" data-id=\"f3ea29b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8c6d39 elementor-widget elementor-widget-text-editor\" data-id=\"b8c6d39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si votre voiture est d\u00e9clar\u00e9e &#8220;perte totale&#8221;, vous avez droit \u00e0 une indemnit\u00e9 \u00e9gale \u00e0 la valeur de votre voiture juste avant l&#8217;accident, moins ce que l&#8217;\u00e9pave vaut encore. <\/span><b>valeur de votre voiture juste avant l&#8217;accident, moins la valeur de l&#8217;\u00e9pave.<\/b><span style=\"font-weight: 400;\">. <\/span> <\/p><p><span style=\"font-weight: 400;\">Vous n&#8217;\u00eates pas <\/span><b>n&#8217;\u00eates pas oblig\u00e9 d&#8217;accepter l&#8217;estimation de l&#8217;assureur <\/b><span style=\"font-weight: 400;\">et vous pouvez toujours d\u00e9signer votre propre <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/expert-en-dommages\/\"><span style=\"font-weight: 400;\">expert en sinistres<\/span><\/a><span style=\"font-weight: 400;\">  permettre. Vous pouvez \u00e9galement avoir droit \u00e0 une indemnisation suppl\u00e9mentaire, par exemple pour les frais de remorquage ou la disparition de votre voiture.   <\/span><\/p><p><span style=\"font-weight: 400;\">Vous lirez ci-dessous, \u00e9tape par \u00e9tape, quels sont vos droits, ce que vous devez faire et ce \u00e0 quoi vous devez faire attention.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6a13c29\" data-id=\"6a13c29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7812857 elementor-widget elementor-widget-image\" data-id=\"7812857\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk-1024x682.jpg\" class=\"attachment-large size-large wp-image-3692\" alt=\"Twee zwaar beschadigde auto\u2019s na een botsing op een nat wegdek, vermoedelijk total loss verklaard\" srcset=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk-1024x682.jpg 1024w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk-300x200.jpg 300w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk-768x512.jpg 768w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk-1536x1023.jpg 1536w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-na-ongeluk.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-374f801 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"374f801\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;4dfef79&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34fb849\" data-id=\"34fb849\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-953cdb7 elementor-widget elementor-widget-html\" data-id=\"953cdb7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Auto total loss na een ongeluk? Dit zijn je rechten\",\n  \"description\": \"Auto total loss? Ontdek je rechten en wat je kunt doen bij een te lage schadevergoeding.\",\n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"BEK Consulting\",\n    \"url\": \"https:\/\/www.bekconsulting.be\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"BEK Consulting\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.bekconsulting.be\/logo.png\"\n    }\n  },\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.bekconsulting.be\/auto-total-loss-rechten\"\n  },\n  \"datePublished\": \"2025-07-22\",\n  \"dateModified\": \"2025-07-22\",\n  \"image\": \"https:\/\/www.bekconsulting.be\/images\/auto-total-loss.jpg\",\n  \"articleSection\": \"Verzekering, Schadevergoeding, Auto\",\n  \"keywords\": [\n    \"Auto total loss\",\n    \"Schadevergoeding auto\",\n    \"Total loss rechten\",\n    \"Verzekering total loss\",\n    \"Wrakwaarde\",\n    \"Dagwaarde auto\",\n    \"Economisch total loss\",\n    \"Technisch total loss\",\n    \"Schade-expert auto\",\n    \"Tegenexpertise auto\",\n    \"Gebruiksderving vergoeding\",\n    \"BA-verzekering tegenpartij\",\n    \"Omniumverzekering\",\n    \"BEK Consulting\"\n  ]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee80ce elementor-widget elementor-widget-spacer\" data-id=\"5ee80ce\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1ad25b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1ad25b\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;ad3ebb0&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65b034f\" data-id=\"65b034f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c9332b elementor-widget elementor-widget-text-editor\" data-id=\"9c9332b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Que signifie exactement &#8220;perte totale&#8221; ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Une voiture est d\u00e9clar\u00e9e &#8220;perte totale&#8221; (ou &#8220;total loss&#8221;) <\/span><b>si la r\u00e9paration n&#8217;est pas possible ou n&#8217;est pas \u00e9conomiquement viable<\/b><span style=\"font-weight: 400;\">. Il y a deux cas de figure :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perte totale technique<\/b><span style=\"font-weight: 400;\">: la voiture est tellement endommag\u00e9e que vous ne pouvez plus la conduire en toute s\u00e9curit\u00e9, m\u00eame apr\u00e8s une r\u00e9paration.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perte totale \u00e9conomique<\/b><span style=\"font-weight: 400;\">La r\u00e9cup\u00e9ration de la voiture co\u00fbterait plus que la valeur de la voiture avant l&#8217;accident (valeur journali\u00e8re), moins la valeur de l&#8217;\u00e9pave.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">La perte totale \u00e9conomique est particuli\u00e8rement fr\u00e9quente pour les voitures anciennes. Les assureurs optent g\u00e9n\u00e9ralement pour la solution la moins ch\u00e8re, m\u00eame si vous pensez que la voiture est encore r\u00e9cup\u00e9rable. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e8035c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e8035c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;0c9e71f&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-206f0aa\" data-id=\"206f0aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d7d5f9 elementor-widget elementor-widget-spacer\" data-id=\"5d7d5f9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ec77049 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec77049\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;e209e8f&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a83a285\" data-id=\"a83a285\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffb1ba6 elementor-widget elementor-widget-text-editor\" data-id=\"ffb1ba6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Qui d\u00e9cide si votre voiture est &#8220;d\u00e9truite&#8221; ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Un expert en sinistres de votre assureur examinera les dommages. Il d\u00e9termine s&#8217;il s&#8217;agit d&#8217;une &#8220;perte totale&#8221; d&#8217;un point de vue technique ou \u00e9conomique. L&#8217;expert examine  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c2ge de la voiture<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valeur journali\u00e8re<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kilom\u00e9trage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historique de l&#8217;entretien<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00c9tat g\u00e9n\u00e9ral et options<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Vous n&#8217;\u00eates pas d&#8217;accord avec son \u00e9valuation ? Dans ce cas, vous pouvez envoyer votre   <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/assistance-juridique\/\"><b>assurance protection juridique<\/b><\/a><span style=\"font-weight: 400;\"> a <\/span><b>propre <\/b><a href=\"https:\/\/www.bek-consulting.eu\/fr\/expert-en-dommages\/\"><b>expert<\/b><\/a><span style=\"font-weight: 400;\">  allumer. Un tel   <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/contre-expertise\/automobile\/\"><span style=\"font-weight: 400;\">l&#8217;expertise du comptoir automobile<\/span><\/a><span style=\"font-weight: 400;\"> est ind\u00e9pendante et vous donne une chance \u00e9quitable.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31faf89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31faf89\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;672c432&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-edd37b7\" data-id=\"edd37b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7a1ae5 elementor-widget elementor-widget-spacer\" data-id=\"a7a1ae5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71d7957 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"71d7957\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tVous cherchez un expert ?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\">\n\t\t\t\t\t\tContactez nous\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ff78f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ff78f2\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;e8f8418&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1dc668d\" data-id=\"1dc668d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e8f21f elementor-widget elementor-widget-spacer\" data-id=\"0e8f21f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44ed5c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44ed5c4\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;63af51f&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc6275b\" data-id=\"fc6275b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e83911 elementor-widget elementor-widget-text-editor\" data-id=\"1e83911\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Quel est le montant de l&#8217;indemnit\u00e9 vers\u00e9e si votre voiture est &#8220;d\u00e9truite&#8221; ?<\/b><\/h2><p><span style=\"font-weight: 400;\">En cas de sinistre total, vous souhaitez naturellement savoir : combien mon assureur va-t-il me verser ? L&#8217;indemnit\u00e9 que vous recevrez d\u00e9pend de deux \u00e9l\u00e9ments : <\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comment vous \u00eates assur\u00e9<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comment la valeur de votre voiture est-elle calcul\u00e9e ?<\/b><\/li><\/ol><p><span style=\"font-weight: 400;\">Examinons-le \u00e9tape par \u00e9tape.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e12f23 elementor-widget elementor-widget-spacer\" data-id=\"5e12f23\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-528f796 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"528f796\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0f1d4dc\" data-id=\"0f1d4dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-201e6f7 elementor-widget elementor-widget-text-editor\" data-id=\"201e6f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>La formule de base<\/b><\/h3><p><span style=\"font-weight: 400;\">L&#8217;indemnit\u00e9 est g\u00e9n\u00e9ralement calcul\u00e9e comme suit :<\/span><\/p><table><tbody><tr><td><p><b>Valeur du jour &#8211; valeur de l&#8217;\u00e9pave = votre r\u00e9mun\u00e9ration<\/b><\/p><\/td><\/tr><\/tbody><\/table><p><b>Valeur journali\u00e8re<\/b><span style=\"font-weight: 400;\">Il s&#8217;agit de la valeur de votre voiture juste avant l&#8217;accident. Il ne s&#8217;agit pas d&#8217;un montant standard. L&#8217;expert tient compte, entre autres, des \u00e9l\u00e9ments suivants  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marque et mod\u00e8le<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ann\u00e9e de construction<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kilom\u00e9trage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historique de l&#8217;entretien et des dommages<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Options suppl\u00e9mentaires (telles que navigation, barre de remorquage, capteurs de stationnement)<\/span><\/li><\/ul><p><i><span style=\"font-weight: 400;\">Notez que la valeur journali\u00e8re ne correspond pas au prix que vous avez pay\u00e9 pour la voiture. La voiture est plus ancienne, ce qui compte beaucoup. Mais avez-vous fait un achat r\u00e9cent ou avez-vous des preuves tangibles que votre voiture valait plus ? Dans ce cas, n&#8217;oubliez pas de le montrer.   <\/span><\/i><\/p><p><b>Valeur de l&#8217;\u00e9pave<\/b><span style=\"font-weight: 400;\">La valeur du v\u00e9hicule : il s&#8217;agit du montant que votre v\u00e9hicule endommag\u00e9 vaut encore aux yeux des acheteurs. Votre assureur demande g\u00e9n\u00e9ralement plusieurs offres et retient la plus \u00e9lev\u00e9e. Ce montant :  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">est <\/span><b>d\u00e9duit<\/b><span style=\"font-weight: 400;\"> de votre r\u00e9mun\u00e9ration<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Ou vous \u00eates pay\u00e9 <b>directement<\/b> si vous vendez l&#8217;\u00e9pave vous-m\u00eame.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9037a3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9037a3f\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;5dcdfc8&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff6f8a6\" data-id=\"ff6f8a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98b1779 elementor-widget elementor-widget-spacer\" data-id=\"98b1779\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2597c68 elementor-widget elementor-widget-text-editor\" data-id=\"2597c68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Qu&#8217;est-ce qui d\u00e9termine si vous recevez quelque chose ?<\/b><\/h3><p><span style=\"font-weight: 400;\">Votre assurance joue un r\u00f4le essentiel \u00e0 cet \u00e9gard :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assurance au tiers<\/b><span style=\"font-weight: 400;\"> (responsabilit\u00e9 civile) :<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Vous n&#8217;obtenez une indemnisation que si une autre personne est responsable \u00e0 100 % de l&#8217;accident. Si vous \u00eates vous-m\u00eame responsable ou si personne n&#8217;est responsable, vous n&#8217;obtiendrez rien. <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assurance multirisque<\/b><span style=\"font-weight: 400;\"> (limit\u00e9e ou compl\u00e8te) :<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Vous \u00eates de toute fa\u00e7on assur\u00e9, quel que soit le responsable. C&#8217;est l&#8217;option la plus s\u00fbre pour ceux qui veulent vraiment prot\u00e9ger leur voiture. <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Casco limit\u00e9 (mini-omnium)<\/b><span style=\"font-weight: 400;\">:<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Uniquement pour certaines causes telles que l&#8217;incendie, le vol, la temp\u00eate ou la collision avec un animal. Pas en cas de faute personnelle ou de collision avec une autre voiture. <\/span><span style=\"font-weight: 400;\"><br><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-169ed69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"169ed69\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d76642\" data-id=\"4d76642\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87c3eb9 elementor-widget elementor-widget-spacer\" data-id=\"87c3eb9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad383fd elementor-widget elementor-widget-text-editor\" data-id=\"ad383fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Le principe d&#8217;indemnisation : pourquoi vous n&#8217;obtenez jamais plus que la valeur de votre voiture<\/b><\/h3><p><span style=\"font-weight: 400;\">Selon la loi, si vous subissez des dommages <\/span><b>ne pas gagner financi\u00e8rement<\/b><span style=\"font-weight: 400;\">. C&#8217;est ce qu&#8217;on appelle le  <\/span><i><span style=\"font-weight: 400;\">principe d&#8217;indemnisation<\/span><\/i><span style=\"font-weight: 400;\">. Vous ne serez donc pas indemnis\u00e9 pour acheter une meilleure voiture que celle que vous aviez. Vous \u00eates indemnis\u00e9 jusqu&#8217;au point o\u00f9 vous \u00e9tiez avant l&#8217;accident, pas au-del\u00e0. <\/span><\/p><p><span style=\"font-weight: 400;\">Vous voulez savoir si le calcul de votre indemnit\u00e9 est correct ? Ou allez-vous recevoir beaucoup moins que ce \u00e0 quoi vous vous attendiez ? Demandez un    <\/span><b>deuxi\u00e8me avis gratuit<\/b><span style=\"font-weight: 400;\">  par l&#8217;interm\u00e9diaire de BEK consulting. Vous aurez ainsi la certitude d&#8217;obtenir ce \u00e0 quoi vous avez droit. Prenez    <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\"><span style=\"font-weight: 400;\">contacter<\/span><\/a><span style=\"font-weight: 400;\"> \u00e0 l&#8217;adresse suivante <\/span> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421f4e8 elementor-mobile-align-center elementor-align-left elementor-widget elementor-widget-raven-button\" data-id=\"421f4e8\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tContactez nous\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0ab1dca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ab1dca\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;58b5da2&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48f4fe3\" data-id=\"48f4fe3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8871eb3 elementor-widget elementor-widget-spacer\" data-id=\"8871eb3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa67aad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa67aad\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-07eae5d\" data-id=\"07eae5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2d3c38 elementor-widget elementor-widget-image\" data-id=\"a2d3c38\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-1024x682.jpg\" class=\"attachment-large size-large wp-image-3691\" alt=\"Personenwagen met zichtbare zijschade en provisorische herstelling, mogelijk betrokken bij een economisch totaal verlies\" srcset=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-1024x682.jpg 1024w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-300x200.jpg 300w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-768x512.jpg 768w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss-1536x1023.jpg 1536w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/auto-total-loss.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b8c2b23\" data-id=\"b8c2b23\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e7db2c elementor-widget elementor-widget-text-editor\" data-id=\"2e7db2c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Que se passe-t-il si vous n&#8217;\u00eates pas d&#8217;accord avec l&#8217;indemnisation ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Ne vous laissez pas d\u00e9courager. Demandez toujours une explication claire. Comment la valeur journali\u00e8re a-t-elle \u00e9t\u00e9 d\u00e9termin\u00e9e ? Qu&#8217;est-ce qui a \u00e9t\u00e9 inclus ?   <\/span><\/p><p><span style=\"font-weight: 400;\">Apportez vous-m\u00eame des preuves :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Factures d&#8217;achat<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Livret d&#8217;entretien<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photos de la voiture avant l&#8217;accident<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Listes de voitures similaires<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33640aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33640aa\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;596de29&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7cbac62\" data-id=\"7cbac62\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca8ed9e elementor-widget elementor-widget-spacer\" data-id=\"ca8ed9e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e650a0 elementor-widget elementor-widget-text-editor\" data-id=\"5e650a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Pouvez-vous encore r\u00e9parer votre voiture ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Oui, c&#8217;est possible. M\u00eame si l&#8217;assureur consid\u00e8re votre voiture comme   <\/span><b>perte totale<\/b><span style=\"font-weight: 400;\"> En cas de perte totale d\u00e9clar\u00e9e, vous \u00eates le propri\u00e9taire et vous pouvez donc d\u00e9cider de faire r\u00e9parer votre v\u00e9hicule.<\/span><\/p><p><span style=\"font-weight: 400;\">Vous ne recevrez alors que l&#8217;indemnit\u00e9 calcul\u00e9e sur la base de la <\/span><b>valeur de march\u00e9 moins la valeur de l&#8217;\u00e9pave<\/b><span style=\"font-weight: 400;\">. Si la r\u00e9paration co\u00fbte plus cher, vous la payez vous-m\u00eame. Avez-vous trouv\u00e9 un garage moins cher ou travaillez-vous avec des pi\u00e8ces d&#8217;occasion ? Dans ce cas, vous pouvez parfois \u00e9conomiser beaucoup d&#8217;argent.  <\/span><\/p><p><span style=\"font-weight: 400;\">Veuillez noter que dans la plupart des cas, votre voiture recevra un statut <\/span><b>statut WOK<\/b><span style=\"font-weight: 400;\">  (attendre l&#8217;inspection). Vous n&#8217;\u00eates alors pas autoris\u00e9 \u00e0 la conduire avant qu&#8217;elle ne soit \u00e0 nouveau approuv\u00e9e techniquement lors du contr\u00f4le technique. Ce contr\u00f4le est obligatoire et entra\u00eene des frais suppl\u00e9mentaires.  <\/span><\/p><p><span style=\"font-weight: 400;\">Pourtant, la r\u00e9paration peut \u00eatre un bon choix si :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les dommages sont principalement d&#8217;ordre esth\u00e9tique<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La voiture a une valeur personnelle ou pratique pour vous<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vous pouvez obtenir une r\u00e9paration \u00e0 moindre co\u00fbt en dehors du devis officiel.<\/span><\/li><\/ul><p><span lang=\"NL\">Ne signez surtout pas de documents avec lesquels vous n&#8217;\u00eates pas d&#8217;accord !<\/span><\/p><p><span lang=\"NL\"><strong>Contactez les experts de BEK Consulting<\/strong> pour vous informer des possibilit\u00e9s qui s&#8217;offrent \u00e0 vous. Nos experts sp\u00e9cialis\u00e9s se feront un plaisir de vous donner de plus amples informations et ils seront \u00e0 vos c\u00f4t\u00e9s \u00e0 chaque \u00e9tape de la proc\u00e9dure. Nous d\u00e9fendons volontiers vos int\u00e9r\u00eats et allons plus loin que d&#8217;autres experts pour vous aider \u00e0 obtenir gain de cause.  <\/span><\/p><p><span lang=\"NL\">Ne vous contentez pas d&#8217;une indemnisation qui ne couvre pas les frais ! Prenez contact avec nous ! <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00d3a71 elementor-mobile-align-center elementor-align-left elementor-widget elementor-widget-raven-button\" data-id=\"00d3a71\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tContactez nous\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-216f456 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"216f456\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;596de29&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d66a3ac\" data-id=\"d66a3ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdd5876 elementor-widget elementor-widget-spacer\" data-id=\"cdd5876\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a0b31 elementor-widget elementor-widget-text-editor\" data-id=\"78a0b31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Qu&#8217;advient-il de l&#8217;\u00e9pave ?<\/b><\/h2><p><span style=\"font-weight: 400;\">L&#8217;assureur sollicite des devis aupr\u00e8s des acheteurs. Le devis le plus \u00e9lev\u00e9   <\/span><b>valeur de l&#8217;\u00e9pave<\/b><span style=\"font-weight: 400;\">  sera d\u00e9duit de votre indemnisation. Vous pouvez \u00e9galement garder l&#8217;\u00e9pave vous-m\u00eame, mais vous serez moins bien pay\u00e9. N&#8217;oubliez pas les frais suppl\u00e9mentaires tels que  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Frais de remorquage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blocage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Frais d&#8217;inspection<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9d30e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9d30e7\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;409b346&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23db397\" data-id=\"23db397\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b099fd elementor-widget elementor-widget-spacer\" data-id=\"5b099fd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9594378 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9594378\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;596de29&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7757fa5\" data-id=\"7757fa5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d457cc6 elementor-widget elementor-widget-text-editor\" data-id=\"d457cc6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Quelles sont les allocations suppl\u00e9mentaires auxquelles vous pouvez pr\u00e9tendre ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Vous n&#8217;avez pas seulement droit \u00e0 la valeur journali\u00e8re. En fonction de votre couverture ou de la responsabilit\u00e9 de l&#8217;autre partie, vous pouvez \u00e9galement demander le remboursement des frais ci-dessous : <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perte d&#8217;usage<\/b><span style=\"font-weight: 400;\">15 \u00e0 20 \u20ac par jour o\u00f9 vous \u00eates priv\u00e9 de voiture<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Frais de remorquage<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Frais administratifs<\/b><span style=\"font-weight: 400;\"> (immatriculation, plaque d&#8217;immatriculation)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxe d&#8217;immobilisation (BIV)<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Int\u00e9r\u00eats<\/b><span style=\"font-weight: 400;\"> en cas de retard de paiement<\/span><\/li><\/ul><p><b>Co\u00fbt d&#8217;une nouvelle voiture<\/b><span style=\"font-weight: 400;\"> (le cas \u00e9ch\u00e9ant, en cas de remplacement)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9933418 elementor-widget elementor-widget-spacer\" data-id=\"9933418\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a0b28c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a0b28c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cda5226\" data-id=\"cda5226\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da88184 elementor-widget elementor-widget-text-editor\" data-id=\"da88184\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Que se passe-t-il si l&#8217;autre partie est responsable ?<\/h2><p><span style=\"font-weight: 400;\">L&#8217;accident a-t-il \u00e9t\u00e9 caus\u00e9 par un autre conducteur et celui-ci est-il clairement responsable ? Dans ce cas, vous avez droit \u00e0 une   <\/span><b>l&#8217;indemnisation compl\u00e8te<\/b><span style=\"font-weight: 400;\"> par l&#8217;interm\u00e9diaire de l&#8217;assurance <\/span><b>l&#8217;assurance BA de l&#8217;autre partie<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Cela signifie que vous ne devez pas avoir votre propre assurance multirisque pour \u00eatre indemnis\u00e9 de vos dommages. L&#8217;autre partie (ou mieux : son assureur) doit indemniser tous les dommages que vous avez subis \u00e0 la suite de l&#8217;accident. Et cela va au-del\u00e0 de la voiture elle-m\u00eame.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e468523\" data-id=\"e468523\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab761a6 elementor-widget elementor-widget-image\" data-id=\"ab761a6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding-1024x682.jpg\" class=\"attachment-large size-large wp-image-3693\" alt=\"Auto met zware frontale schade op de snelweg, duidelijk total loss na een aanrijding\" srcset=\"https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding-1024x682.jpg 1024w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding-300x200.jpg 300w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding-768x512.jpg 768w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding-1536x1023.jpg 1536w, https:\/\/www.bek-consulting.eu\/wp-content\/uploads\/2025\/08\/total-loss-na-aanrijding.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85f285a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85f285a\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e979fc\" data-id=\"2e979fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6f8e28 elementor-widget elementor-widget-spacer\" data-id=\"d6f8e28\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a0108e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a0108e4\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-107d083\" data-id=\"107d083\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52c2c9a elementor-widget elementor-widget-text-editor\" data-id=\"52c2c9a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Vous pouvez notamment faire valoir les co\u00fbts suivants :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>La valeur journali\u00e8re de votre voiture<\/b><span style=\"font-weight: 400;\">moins la valeur de l&#8217;\u00e9pave<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perte d&#8217;usage<\/b><span style=\"font-weight: 400;\">: une indemnit\u00e9 pour la p\u00e9riode pendant laquelle vous n&#8217;avez pas de voiture (\u20ac15-\u20ac20\/jour)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Frais de remorquage et de stockage<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Frais administratifs<\/b><span style=\"font-weight: 400;\">Frais d&#8217;immatriculation et de plaque d&#8217;immatriculation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Perte de revenus<\/b><span style=\"font-weight: 400;\">si vous avez besoin de votre voiture pour votre travail ou vos missions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compensation des int\u00e9r\u00eats ou des retards de paiement<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Notez que vous devez \u00eatre en mesure de prouver que l&#8217;autre partie est responsable. Pensez \u00e0 un formulaire de collision rempli, \u00e0 des t\u00e9moins ou \u00e0 des images de la cam\u00e9ra de surveillance. <\/span><\/p><p><span style=\"font-weight: 400;\">Si l&#8217;autre partie <\/span><b>ne reconna\u00eet pas la faute<\/b><span style=\"font-weight: 400;\">Un conflit survient alors. Votre propre assureur ne fera alors rien pour vous, mais votre   <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/assistance-juridique\/\"><b>assurance protection juridique<\/b><\/a><span style=\"font-weight: 400;\">  bien. Cela vous aidera \u00e0 tenir l&#8217;autre partie pour responsable dans le cadre d&#8217;une proc\u00e9dure judiciaire. <\/span><\/p><p><span style=\"font-weight: 400;\">En r\u00e9sum\u00e9, si l&#8217;autre partie est responsable, vous ne devez supporter aucun co\u00fbt. Vous avez des doutes sur la responsabilit\u00e9 ou les preuves ? <\/span> <a href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\"> <span style=\"font-weight: 400;\">Contactez BEK Consulting<\/span><\/a><span style=\"font-weight: 400;\"> pour obtenir des conseils gratuits sur votre cas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca3018 elementor-widget elementor-widget-spacer\" data-id=\"7ca3018\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d12734f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d12734f\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0aa9811\" data-id=\"0aa9811\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e0885b elementor-widget elementor-widget-text-editor\" data-id=\"6e0885b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Quelles sont les dispositions \u00e0 prendre apr\u00e8s un sinistre total ?<\/b><\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Renvoyez votre plaque d&#8217;immatriculation<\/b><span style=\"font-weight: 400;\"> A la DIV pour arr\u00eater la taxe sur les v\u00e9hicules<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Demandez un certificat de sauvegarde<\/b><span style=\"font-weight: 400;\">: preuve que vous n&#8217;\u00eates plus responsable du v\u00e9hicule<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>R\u00e9siliez votre assurance<\/b><span style=\"font-weight: 400;\"> ou faites-les adapter \u00e0 votre nouvelle voiture<\/span><\/li><\/ul><p><b>Collectez tout<\/b><span style=\"font-weight: 400;\">Rapports, factures, photos, courriels<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-caa9d9c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"caa9d9c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b312f67\" data-id=\"b312f67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a453567 elementor-widget elementor-widget-spacer\" data-id=\"a453567\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09ac3ee elementor-widget elementor-widget-text-editor\" data-id=\"09ac3ee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Conclusion  <\/b><\/h2><p><span style=\"font-weight: 400;\">Lorsque votre voiture est &#8220;d\u00e9truite&#8221;, vous devez faire des choix rapides, souvent sur la base d&#8217;informations que vous ne poss\u00e9dez pas vous-m\u00eame. Quelle est la valeur de votre voiture ? La proposition de l&#8217;assureur est-elle correcte ? Et si vous n&#8217;\u00eates pas d&#8217;accord ?   <\/span><\/p><p><span style=\"font-weight: 400;\">Cela vaut la peine de le v\u00e9rifier soigneusement. Une petite diff\u00e9rence dans l&#8217;\u00e9valuation ou la valeur de l&#8217;\u00e9pave peut rapidement se traduire par une diff\u00e9rence de plusieurs centaines d&#8217;euros. Surtout s&#8217;il y a des frais suppl\u00e9mentaires, comme la perte de jouissance ou les frais administratifs.  <\/span><\/p><p><span style=\"font-weight: 400;\">Vous avez des doutes sur votre dossier ?  <\/span><a href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\"><span style=\"font-weight: 400;\">Contacter BEK Consulting<\/span><\/a><span style=\"font-weight: 400;\">. Nous examinons votre situation sans engagement et vous donnons des conseils clairs sur les possibilit\u00e9s qui s&#8217;offrent \u00e0 vous.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a2dc8 elementor-mobile-align-center elementor-align-left elementor-widget elementor-widget-raven-button\" data-id=\"23a2dc8\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/www.bek-consulting.eu\/fr\/contact\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tContactez nous\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Si votre voiture est d\u00e9clar\u00e9e &#8220;perte totale&#8221;, vous avez droit \u00e0 une indemnit\u00e9 \u00e9gale \u00e0 la valeur de votre voiture juste avant l&#8217;accident, moins ce que l&#8217;\u00e9pave vaut encore. valeur de votre voiture juste avant l&#8217;accident, moins la valeur de l&#8217;\u00e9pave.. Vous n&#8217;\u00eates pas n&#8217;\u00eates pas oblig\u00e9 d&#8217;accepter l&#8217;estimation de l&#8217;assureur et vous pouvez toujours [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3692,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[56],"tags":[],"class_list":["post-3781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nouvelles"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/posts\/3781","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/comments?post=3781"}],"version-history":[{"count":4,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/posts\/3781\/revisions"}],"predecessor-version":[{"id":3865,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/posts\/3781\/revisions\/3865"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/media\/3692"}],"wp:attachment":[{"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/media?parent=3781"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/categories?post=3781"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bek-consulting.eu\/fr\/wp-json\/wp\/v2\/tags?post=3781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}