After notification of damage, the car insurance insurer may often refuse to pay on the grounds of "policy exception" or "user fault". This situation is debatable.
Typical Refusal Reasons
- Driving under the influence of alcohol
- Driving without a license
- Speeding violation
- Racing/test driving
- Key forgotten inside the vehicle (stolen)
Objection Steps
- Written to the insurer objection + additional document (report, witness)
- Insurance Arbitration Commission (between 5,000 TL - 1 million TL)
- Consumer Arbitration Committee / Tribunal
- Commercial court of first instance (high amounts)
Insurance Arbitration Advantage
- Fast (4-6 months)
- Low fee
- Under 5,000 TL without fee
- Under 250,000 TL, the decision is final
Supreme Court 11. HD
11. HD accepts that in insurance rejection decisions, the insurer must "base the rejection reason on concrete documents" and that a mere claim is not enough.
Evidence Collection
- Accident report, expert report
- Photos of the scene
- Witness statements
- Service report
Insurance law attorney recommended.