Loss and Liability Review After a Road Traffic Accident

A traffic accident may give rise to different liabilities for the driver, operator, and insurer. Vehicle damage, diminished value, lost income, injury, and death-related losses are not assessed through the same documents and calculation. The circumstances, policy, and legal basis of each claim must be examined together.

The Event and Correct Respondent

Operator liability under Law No. 2918 and the driver's conduct must be assessed separately. The registered owner's identity, actual operator, and use relationship matter. The accident record, images, and any investigation file must be compared. The insurer's coverage, limits, and asserted exclusions must also be examined with the policy; not every loss is covered by every insurance type.

Application to the Insurer and Calculation

Claims under compulsory liability insurance must observe the written preliminary application requirement in Article 97 of the Highway Traffic Law. The receipt date, attachments, and response must be retained. Court and arbitration options are considered under the relevant conditions. For health-related losses, the medical report's basis and effect of the event date under the 2026 amendment to Article 55 of the Turkish Code of Obligations must be assessed separately from vehicle losses.

Review Before Signing or Accepting Payment

The claims discharged by a release or settlement document accompanying insurance payment must be understood. A single payment does not invariably establish that all losses were covered. We examine fault, coverage, actual heads of loss, and earlier payments together and identify documents and reports required for the application.

Documents That May Be Prepared for the Initial Review

• The accident record and images
• Vehicle and policy records
• Medical or damage reports
• The insurance application, response, and payments

Submit Your Matter

File review and representation are paid services. Scope and fees are agreed in writing before work begins.