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Insurance Law

In disputes with your insurer, we help you claim in full the rights arising from your policy and the law.

Last legal review: 11 October 2026

Overview

Insurance Law

When an insurer fails to pay, or pays only partially, after a traffic accident, fire or illness, following the correct sequence of applications is essential to protect your rights. In many disputes, a written application to the insurer is required before litigation or arbitration.

We review the claim file, expert reports and policy terms to calculate your claim, and assess together with you whether an application to the insurer, the Insurance Arbitration Commission or the courts is the most suitable route.

Scope of Services

  • Traffic accident compensation

    Claims against compulsory motor liability insurance for injuries and property damage.

  • Diminished vehicle value

    Compensation for the loss in a vehicle's market value after an accident.

  • Motor (casco) disputes

    Pursuing refused or underpaid comprehensive motor insurance claims.

  • Insurance Arbitration Commission

    Preparing arbitration applications and representation in arbitration.

  • Loss of support

    Claims by dependants for loss of financial support after fatal accidents.

  • Life and health insurance

    Payment disputes under life, personal accident and health policies.

  • Home and business insurance

    Claims for damage from fire, flooding and natural disasters.

How the Process Works

  1. 01

    Review of the claim file

    Accident report, expert and medical reports and policy terms are reviewed.

  2. 02

    Application to the insurer

    Where required by law, a written and documented application is made to the insurer.

  3. 03

    Arbitration or litigation

    If the claim is not met, the Insurance Arbitration Commission or the court is applied to.

  4. 04

    Collection

    Compensation is collected in accordance with the decision.

Helpful Documents to Prepare

Use this list to prepare for our first meeting. We can meet even if you do not have every document yet.

Relevant Legislation

  • Turkish Commercial Code No. 6102 (insurance provisions)
  • Highway Traffic Law No. 2918
  • Insurance Law No. 5684

Frequently Asked Questions

The insurer refused to pay. Can I sue directly?
For claims under compulsory motor liability insurance, a written application with the required documents must be made to the insurer before filing a lawsuit or applying for arbitration. If the insurer does not respond within fifteen days, or rejects the claim in whole or in part, you can proceed to court or arbitration.
What is the difference between the Insurance Arbitration Commission and the courts?
The Insurance Arbitration Commission resolves disputes with participating insurers through specialized arbitrators and generally reaches decisions faster than the courts. Which route is more suitable should be assessed based on the amount claimed, the evidence and the available appeal options.
How soon after an accident must I make a claim?
As a rule, compensation claims arising from traffic accidents become time-barred two years after the damage and the liable party become known, and in any event ten years after the accident. If the incident also constitutes a crime, the criminal limitation period may apply. Acting as early as possible is recommended so that evidence is not lost.

Attorneys in This Area

The information on this website is for general information only and does not constitute legal advice. Please consult a lawyer about your specific situation.

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