The Moroccan Insurance Federation (FMA) has launched a consultation exercise to conduct a study on the analysis and strengthening of the role of insurance experts in the Moroccan insurance sector.
This was announced by the FMA in the June edition of the federation’s newsletter, Le Courrier de l’Assurance.
In the editorial in the bulletin, the FMA said, “Insurance experts play a key role in assessing damage, determining the circumstances of claims, and informing the decisions that follow. Their reliability and professional integrity are increasingly regarded as essential factors in reinforcing the relationship of trust with policyholders, whose expectations and standards continue to rise over time.”
The FMA said that compensation depends on the clarity of the rules, the quality of damage assessment, and the legal certainty afforded to all stakeholders.
In particular, the FMA referred to the amendment to the Dahir (Royal Decree) of 2 October 1984, passed by lawmakers in late 2025, concerning compensation for victims who suffered personal injury in motor accidents marks a significant step forward in improving the level of compensation awarded for injuries suffered by victims. The amendment introduced new rules for medical assessments, including the use of independent medical examinations, particularly by a third doctor in the event of disagreement between the treating physician and the insurance company's doctor.
By updating several provisions relating to medical expertise and the applicable compensation scales, this legislation strengthens an essential legal framework for the benefit of victims while also protecting insurance companies against certain abusive practices.
FMA also said that the sector's financial strength constitutes another cornerstone of this transformation. The forthcoming issuance of regulations governing the new Risk-Based Solvency framework will mark a major milestone for insurance and reinsurance companies. In an environment where risks are evolving rapidly, prudent risk management has become a fundamental lever for resilience, financial stability, and the long-term protection of insurers' commitments.