A contractual clause providing that, in the event of disagreement on the insurability of a loss or the amount of indemnity, a joint medical assessment or arbitration by a medical panel may be pursued only by mutual agreement, as an alternative to recourse to the courts, does not constitute a mandatory arbitration clause and does not prevent a party from filing an application for a preventive technical consultation aimed at settlement under art. 696 bis of the Code of Civil Procedure.