# Turkey launches Alo 193 centralized insurance damage center > Live situation record from CLSTR: https://clstr.news/situations/turkish-insurance-regulatory-updates > Updated: 2026-08-31T05:28:00.000Z. Sources: 26. Developments: 4. The Turkish Insurance and Private Pensions Regulation and Supervision Agency (SEDDK) has expanded its regulatory framework to enhance transparency, dispute resolution, and fraud prevention. Regarding participation insurance, SEDDK issued a circular clarifying the roles of compliance units and officers within advisory committee processes. To ensure decisions are ‘reasoned, traceable, and documented’, a standardized template has been introduced to record meeting details, justifications, and dissenting opinions. In motor vehicle insurance, SEDDK clarified procedures for applying to the Insurance Arbitration Commission for casco and mandatory traffic insurance. To combat industry misconduct, SEDDK established a Committee for Combating Insurance Misconduct and a dedicated Misconduct Working Group, tasked with evaluating risk areas and recommending legislative changes, including the use of artificial intelligence for fraud detection. As a major milestone in its five-stage action plan, SEDDK has launched the Alo 193 Joint Damage Notification Center (OHİM), effective September 1, 2026. This centralized system allows approximately 34.7 million vehicle owners to report damages related to compulsory traffic and motor vehicle insurance through a single telephone number. Notifications made via Alo 193 serve as official submissions to insurance companies, the Guarantee Account, or the Turkish Motor Vehicle Bureau. The initiative is specifically designed to modernize the sector and combat organized crime, particularly ‘damage tracking gangs’ that illegally obtain accident data to pressure victims into granting power of attorney for high-commission claims. By providing a direct channel, the government aims to reach victims before illegal actors can. The system also integrates vehicle value loss calculations into the standard reporting process to ensure faster, more transparent compensation. ## Claims - SEDDK has issued a regulation amending the working principles of the Natural Disaster Insurance Institution (DASK). (corroborated by 4 sources) - Reports on expenditures exceeding five times the determined amount must be reported to SEDDK by the technical operator in January, April, July, and October. (corroborated by 4 sources) - DASK fund investment principles will be determined by the Board of Directors based on diversification, liquidity, low principal risk, and high returns. (corroborated by 4 sources) - Portfolios with maturities longer than one year can be created if the fund exceeds twice the annual storage share plus significant liabilities like outstanding claims and reinsurance. (corroborated by 4 sources) - The DASK fund may be managed by the technical operator or portfolio management companies that are subsidiaries of public-owned banks authorized by the Capital Markets Board (SPK). (corroborated by 4 sources) - The technical operator must provide monthly investment distribution and return performance reports to the Board of Directors. (corroborated by 4 sources) ## Timeline ### 2026-08-31: Turkey launches Alo 193 centralized insurance damage reporting center Turkey has launched the Alo 193 Joint Damage Notification Center, a centralized system for vehicle owners to report traffic and kasko insurance claims and combat illegal damage-tracking organizations. 22 sources. https://clstr.news/cluster/seddk-to-launch-alo-193-joint-damage-notification-center ### 2026-08-17: SEDDK establishes new committee to combat insurance fraud Turkey's SEDDK has launched a new Committee and Working Group to combat insurance fraud through inter-institutional cooperation and advanced technologies like artificial intelligence. 3 sources. https://clstr.news/cluster/seddk-establishes-new-committee-to-combat-insurance-fraud ### 2026-08-10: SEDDK issues new regulations for insurance governance and arbitration Turkey's SEDDK has introduced new regulations to strengthen corporate governance in participation insurance and clarify arbitration procedures for motor vehicle insurance disputes. 3 sources. https://clstr.news/cluster/seddk-issues-new-regulations-for-insurance-governance-and-arbitration ### 2026-07-23: Turkey's insurance regulator SEDDK imposes 250 million TL capital requirement for support service firms Turkey's SEDDK mandates a 250 million TL capital floor and strict conflict‑of‑interest rules for insurance support service firms, requiring licensing and prohibiting intermediation. 8 sources. https://clstr.news/cluster/turkeys-insurance-regulator-seddk-imposes-250-million-tl-capital-requirement-for-support-service-fir --- Cite as: Turkey launches Alo 193 centralized insurance damage center. CLSTR, https://clstr.news/situations/turkish-insurance-regulatory-updates