# Turkish traffic insurance sector reforms

> Live situation record from CLSTR: https://clstr.news/situations/turkish-traffic-insurance-sector-reforms
> Updated: 2026-08-20T09:34:00.000Z. Sources: 4. Developments: 2.

Turkey is undergoing significant reforms to its traffic and motor insurance sectors to increase transparency and streamline damage claims. Under the direction of the Insurance and Private Pension Regulation and Supervision Agency (SEDDK), new measures include a centralized system for adjuster assignments and mandatory professional inspections for claims exceeding 40,000 TL.

Key procedural changes include the automatic evaluation of vehicle depreciation by adjusters and the upcoming launch of the Joint Damage Notification Center (OHİM) on September 1. This center, accessible via the ALO 193 hotline, will act as a single entry point for claims and a platform for reporting illegal activities or unauthorized intermediaries.

In relation to documentation, the Turkey Insurance Union (TSB) has clarified that sharing WhatsApp location data is not a mandatory requirement under Turkish insurance law for material-damage traffic accident claims. While some insurers use location data as an optional tool to verify accident sites, the absence of such data does not justify claim rejection, as insurers may utilize alternative evidence like incident reports, photographs, and expert assessments.

## Claims

- The ALO 193 Joint Damage Notification Center (OHİM) will begin operations on September 1. (corroborated by 3 sources)
- Insurance adjusters will be assigned through a centralized system to increase transparency. (corroborated by 2 sources)
- Vehicle depreciation claims will be automatically evaluated by adjusters without requiring separate applications. (corroborated by 2 sources)
- The Insurance and Private Pension Regulation and Supervision Agency (SEDDK) is leading the insurance reforms. (single source)
- Mandatory adjuster inspections are required for traffic insurance damages exceeding 40,000 TL. (single source)
- The ALO 193 center will allow citizens to report illegal entities causing grievances following damages. (single source)

## Timeline

### 2026-08-20: Turkey implements major traffic insurance reforms

Turkey is reforming its insurance sector with centralized adjuster assignments, automatic vehicle depreciation claims, and the launch of the ALO 193 Joint Damage Notification Center on September 1.

4 sources. https://clstr.news/cluster/turkey-implements-major-traffic-insurance-reforms

### 2026-08-02: Turkey Insurance Union says location sharing not mandatory for traffic accident claims

Turkey Insurance Union says insurers may request but are not required to obtain WhatsApp location data for traffic accident claims; lack of it does not alone cause claim rejection.

7 sources. https://clstr.news/cluster/turkey-insurance-union-says-location-sharing-not-mandatory-for-traffic-accident-claims

---
Cite as: Turkish traffic insurance sector reforms. CLSTR, https://clstr.news/situations/turkish-traffic-insurance-sector-reforms