Turkey's traffic insurance reforms protect motorists' compensation rights

Turkey's traffic insurance system underwent major reforms effective 1 July 2026. The Insurance and Private Pension Regulation and Supervision Authority (SEDDK) issued new General Conditions for compulsory traffic insurance, aiming to make compensation processes faster, more transparent and directly accessible to vehicle owners. Under the changes, expert appointments are automated through the Eksper Atama ve Takip Sistemi (EKSİST) and become mandatory for claims exceeding 10 % of the policy's material coverage (about 40 000 TL). Vehicle value‑loss calculations are now included in the damage file, and the revised rules limit the role of intermediaries, requiring claimants to file directly with insurers.

TSB President Ahmet Yaşar emphasized that “no one can turn a citizen's compensation right into a commercial rent,” highlighting the reforms as a historic step against organized illegal claim‑handling structures. He also noted that the new system integrates value‑loss as a natural part of the damage file.

Anadolu Sigorta responded by raising its Moral Damage Coverage limit from 5 million to 15 million TL, extending protection for victims of serious traffic accidents. Meanwhile, the mandatory traffic‑insurance premium rose by 4 % nationwide, with rates now ranging from roughly 9 000 TL for low‑risk drivers to over 394 000 TL for high‑risk commercial buses.

The combined regulatory and market measures aim to curb fraudulent practices, standardize assessments, and strengthen trust in Turkey’s compulsory motor‑insurance scheme.