Required Documents for Comprehensive Car Insurance Claim

To ensure the comprehensive and timely processing of a claim under comprehensive car insurance, the following documents must be completed. Additional documents may be requested depending on the type of damage.

General Damage Situations - Required Documents:

• Traffic Accident Report / Agreement Accident Report / Statement and Witness Report

• Declaration in the absence of a report or record

• Accident scene photographs

• Vehicle registration copy

• Driver’s license copy

• Alcohol report (if requested by the authorities)

• If it is a collision or chain accident, copies of the registration, driver’s license, and traffic policy of the other vehicle(s)

• Repair invoice if damage repair was performed

• If there is a lien on the vehicle, a D/M consent for payment to be made to the policyholder

• IBAN details

Additional Documents for Special Cases:

In the Case of Vehicle Theft:

• Police report

• Police and auto theft office letter stating the vehicle has not been found (if not found within 30 days from the date of theft)

• Original vehicle registration stamped with “Stolen”

• If there is a lien on the vehicle, a positive D/M consent and a notarized letter confirming the removal of the lien

• “No debt” letter from the tax office

• A letter from the traffic registration office confirming the vehicle’s traffic record has been cleared

• Power of attorney provided by the company

• Original and spare car keys

For Radio-Tape Theft Claims: (Note: If your policy includes coverage for the radio-tape and the theft results in the termination of coverage, it will be necessary to add a new coverage for the device if a new device is installed.)

• Police report and witness statement

• Vehicle registration copy

• D/M (Dain-i Mürtehin) consent if applicable, obtained from the relevant institution

For Depreciation Claims:

• Depreciation claim declaration

• Kilometer (KM) information of the damaged vehicle

• Traffic Accident Report or Agreement Accident Report

• Vehicle registration and driver’s license copies

• Accident scene and vehicle photographs (including the other vehicles involved)

• Expert report

• Repair invoice

• IBAN details

For Glass Breakage Claims:

• Report or declaration

• Invoice if no expert was sent

• Traffic Accident Report or Agreement Accident Report

• Photographs of the damage

• Vehicle registration and driver’s license copies

• IBAN details

In the event of an accident under Compulsory Traffic Insurance, the following documents must be provided in full to ensure a smooth and quick compensation process. Additional documents may be requested depending on the type of damage.

Required Documents for Material Damage:

• Traffic Accident Report or Mutual Accident Report

• Alcohol Report (if requested by the authorized authorities)

• Photos of the accident scene (clear photos showing all vehicles involved)

• Copy of the registration of the damaged vehicle

• Copy of the driver's license of the person driving the damaged vehicle

• IBAN details (for compensation payment)

Required Documents in Case of Death:

• Traffic Accident Report

• Alcohol Report

• Post-mortem and Autopsy Report

• Burial Permit

• Inheritance Certificate

• Family Registry Sample

• Official document showing the deceased's profession and income status

Required Documents in Case of Injury:

• Traffic Accident Report

• Hospital discharge report

• Documents related to treatment expenses (Invoice, etc.)

• In case of permanent disability, a full medical report from a hospital showing the disability degree

• In case of permanent disability, a document showing the disabled person's profession and monthly income

Fire Department Report
Statement and witness reports recorded by the police
Prosecutor’s indictment and non-prosecution decision
Detailed statement if the fire was extinguished by the insured before it spread
Damage photos
Title deed or rental agreement
Tax certificate
If there is a lien, positive D/M consent
Offer and invoices for the repair of the damage
IBAN information
Accounting records (Invoices, fixed asset records, balance sheet, inventory records, VAT declaration)

Required Documents for Storm Damage Claims

Meteorology report (Winds exceeding 17.1 meters per second at 10-meter height are considered storms)
Damage photos
Insured statement and claim letter
Title deed or rental agreement
Tax certificate
Offer and invoices for the repair of the damage
IBAN information

Required Documents for Internal Water / Flood Damage Claims

Detailed statement explaining the damage
Claim letter
Damage photos
Title deed copy or rental agreement
Tax certificate
IBAN information
Offer and invoices for the repair of the damage
If it’s a business loss, accounting records (Invoices, fixed asset records, balance sheet, inventory records, VAT declaration)

Required Documents for Theft Damage Claims

The insured’s police report and witness statement
Claim letter
Damage photos (if there’s theft damage)
Accounting records (Invoices for stolen goods, if it's a business, balance sheet on the date of damage)
If stolen goods are not found within 30 days, a “not found” letter from the police

Required Documents for Electronic Equipment Insurance Damages

• Insured's statement regarding the incident and related reports

• Technical service report (report indicating the cause of damage)

• If the damage is caused by fire, fire department report

• In case of theft damage, police report and "not found" report

• Purchase invoice of the damaged device

• Damage photos

• If repaired, repair invoice

• Maintenance contract and periodic maintenance documents

Required Documents for Construction Insurance Damages

• Insured's statement regarding the incident and related reports

• Summary of exploration and progress payment reports

• Contract between employer and contractor

• If provisional acceptance is done, acceptance delivery report

• Project and tender contract

• Damage photos

• Official documents prepared according to the nature of the incident

• For fire damages: fire department report

• For theft damages: police report/statement, witness report, “not found” document

• For storm damages: meteorological report

• For construction site damages: inventory records

Required Documents for Machinery Breakdown Insurance Damages

• Insured's statement regarding the incident and related reports

• Technical service report (report indicating the cause of damage)

• Damage-related quotations

• Purchase invoice of the damaged machine

• Damage photos

• If repaired, repair invoice

• Maintenance contract and periodic maintenance documents

• For mobile-moving machines: operator license, operator employment registration, and vehicle registration

Required Documents for Erection All Risks Insurance Damages

• Insured's statement regarding the incident and related reports

• Summary of exploration and progress payment reports

• Contract between employer and contractor

• All kinds of quotations and expenses related to the repair of the damage

• Damage photos

For Third-Party Liability Property Damages

• Original official reports issued by authorities (if available), or written statements from the claimant and the insured explaining how the damage occurred

• Documents/evidence proving the insured's liability

• Repair estimates or repair invoice if the repair has been completed

• Written claim letter indicating the damage

• Damage photos

• IBAN information

For Employer’s Liability Damages

• Workplace accident report

• SGK (Social Security Institution) Workplace Accident Notification Form

• Official witness and incident reports depending on the cause of the damage

• Written claim letter from the injured party

• Epicrisis report

• Court-appointed expert report

• Payroll

• SGK employment entry declaration

• Occupational safety inspector reports

In Case of Permanent Disability

• Document showing income status

• Hospital board report

• Disability report

• Original prescriptions and invoices

In Case of Death

• Burial certificate

• Document showing income status

• Autopsy report

• Certificate of inheritance

• Official family registry record

• Other documents (official documents regarding the deceased’s profession and income, etc.)

For Medical Treatment Claims

• Disability report

• Original invoices/prescriptions

For Product Liability Damages

• Written claim letter from the damaged party to the insured

• Information about the product causing the damage

• Findings and opinions of the manufacturer regarding the issue

• Documents determining the damage amount (expert report, court expert report, etc.)

• Court decision in case of dispute between parties

• Enforcement order and payment receipt regarding the payment made by the insured following the court decision

For Environmental Pollution Liability Damages

• Written statement from the insured explaining the damage and its source

• Environmental pollution reports issued by authorities (municipality, Ministry of Environment and Urbanization, etc.)

• Photos showing the damaged environment

• Expert report on damage assessment

• Written application and claim letter regarding compensation requests

• Offers/invoices related to cleaning and repair work due to pollution

• Relevant permits (environmental permits, operational permits, etc.)

• IBAN information

For Professional Liability Damages

• Written statement from the insured about the damage caused by professional error or negligence

• Official document or medical report confirming the damage (if available)

• Contract of the job and documentation of communications regarding the work

• Documents and written statements confirming the insured’s error or negligence

• Written claim letter from the damaged party

• Court decisions or expert reports (if the case has been taken to court)

• Contract and summary of the professional service

• Expert opinion or report related to the damage

• Written application and claim letter regarding compensation

• IBAN information

Required Documents for Domestic Shipment Claims

• Statement from the Insured/Policyholder: Written explanation by the insured or policyholder regarding the damaged goods.

• Original or copy of the policy: Original or copy of the insurance policy.

• Original or copy of the invoice for the goods: Purchase invoice for the transported items.

• Original or copy of the dispatch note: Dispatch note prepared before transportation.

• Copy of the freight invoice: Invoice related to the transport fee.

• Traffic accident report / alcohol test: If a traffic accident occurred, the report and alcohol test results.

• Official reports regarding the damage, if any: Documents issued by the relevant authorities.

• Damage assessment report: Includes license plate of the truck/trailer and the driver's signature.

• Damage notification letter to the carrier (Legal notice): Legal notification sent by the insured/policyholder via notary.

• Signature circular: Signature circular of the authorized representative of the insured or policyholder.

• Photos of the damaged goods: Photos showing the extent of the damage.

• Bank details of the insured: Bank account details for compensation payments.

• IBAN information: Required bank IBAN for the compensation payment.

• Other documents requested by the insurer: Additional documents that may be requested depending on the nature of the damage.

Required Documents for International Shipment Claims

• Statement from the Insured/Policyholder: Written explanation by the insured or policyholder regarding the goods.

• Original or copy of the policy: Original or copy of the insurance policy.

• Original or copy of the invoice for the goods: Purchase invoice for the goods.

• Bill of lading for sea transport: Shipping document used in maritime transport.

• Consignment note or CMR for international road transport.

• Airway bill for air transport.

• Railway bill for rail transport.

• Import customs declaration (for imports).

• Export customs declaration (for exports).

• Official reports regarding the damage, if any.

• Packing list: List related to the goods being shipped.

• Transport contract: Contract related to the shipment.

• Freight invoice: Invoice related to the transport fee.

• Damage notification letter (Legal notice): Legal notification sent by the insured/policyholder via notary.

• IBAN information: Bank account details for damage compensation.

• Photos of the damaged goods.

• Bank details of the insured: Bank account details for compensation payments.

• Other documents requested by the insurer: Additional documents that may be requested depending on the nature of the damage.

Required Documents for Domestic Carrier Liability Insurance Claims

• Statement from the Insured/Policyholder: Written explanation by the insured or policyholder regarding the damaged goods.

• Original or copy of the policy: Original or copy of the insurance policy.

• Original or copy of the invoice for the goods: Purchase invoice for the goods.

• Original or copy of the dispatch note.

• Copy of the freight invoice: Invoice related to the transport fee.

• Traffic accident report / alcohol test: If a traffic accident occurred.

• Official reports regarding the damage, if any.

• Damage assessment report: Includes license plate of the truck/trailer and the driver's signature.

• Photos of the damaged goods.

• Documents related to the transport vehicle: Vehicle license and insurance documents.

• Letter of responsibility from the cargo owner to the carrier: A document accepting the legal responsibility of the carrier.

• IBAN information: Required for compensation payment.

• Copy of the cargo insurance or cargo owner’s written statement: Insurance policy or a statement declaring the goods are uninsured.

Required Documents for Vessel Claim Files

• Statement by the insured: Written explanation by the insured about the damage.

• Seaworthiness certificate: Document proving the vessel is seaworthy.

• Meteorology report: Weather report for the date of the incident.

• Salvage proposals: Offers related to the salvage operations.

• Deck, engine, and radio logs: Logs regarding the vessel's maintenance and repair history.

• Repair and other expense invoices: Invoices for repair expenses.

• Minimum safety certificate for vessel equipment.

• Photos of the damage: Photos of the damage on the vessel.