Upon receipt of the claim report, ARAG verifies the insurance coverage andthe validity of the reasons of thesecured as. The out-of-court phase is managed by ARAG, which is active in reaching anamicable agreement between the parties, using qualified internal personnelor entrusting its management to a lawyer of its choice. If the insured does not inform ARAG, he is no longer entitled to compensationfor the accident. If it is not possible to reach an agreement or the dispute is such as toexclude this possibility or if there is a conflict of interest between ARAGand the insured or a criminal defense is necessary, the insured has theright to choose a lawyer of his trust from among those who practice in thedistrict of the Court of Appeal. seat of the competent judicial offices andmust report its name to ARAG. If the competent Court of Appeal is in a place other than the place ofresidence, the insured person may choose a court of residence in thedistrict of theCourt of Appeal of his residence and must nevertheless reporthis name to ARAG. ARAG also reimburses any expenses incurred exclusively incourt for a lawyer if they fall within the limits indicated in the policy. If the insured person revokes the appointment of the lawyer and appointsanother lawyer during the same level of judgment, ARAG pays the costs ofonly one lawyer at the choice of the insured. If the revocation takes place at the end of a court of judgment, ARAG willalso reimburse the costs of the lawyer in charge of the new level ofjudgment. If the lawyer in charge renounces, ARAG reimburses both the costs of thefirst lawyer and the costs of the new legal, if the waiver is not due to anobjective assessment of bad faith or gross negligence of the insured. The insured cannot reach agreements with lawyers and experts on the fees duewithoutARAG's consent. When the dispute is settled, ARAG reimburses the insured for the costsincurred within the limits of the Ceiling if these expenses cannot berecovered by the other party. If the insured does not comply with these obligations, he is not entitled to legal protection. If the insured and ARAG do not agree on the interpretation of the policyand/or the management of the claim, they may mutually entrust the decisionto an arbitrator who decides in equity. If they do not agree on thearbitrator, the decision rests with the President of the court withterritorial jurisdiction over the dispute. The costs of the arbitration are apportioned as follows: if the arbitration is favorable to ARAG are 50% shared between each ofthe parties; if the arbitration is totally favorable to the insured, ARAG pays them. Even if you go to an arbitrator, you can always go to court.