12.06.2026 07:40
With the new regulation published in the Official Gazette, significant changes have been made to traffic insurance. Accordingly, there will be no need to apply separately for vehicle value loss after an accident, and insurance companies will directly notify the entitled parties of the determined amount. The regulation also requires the use of original parts when replacing damaged parts, and the new rules will come into effect on July 1, 2026.
Changes made to the General Conditions of the Compulsory Motor Vehicle Liability Insurance by the Insurance and Private Pension Regulatory and Supervisory Authority (SEDDK) were published in the Official Gazette.
With the new regulation, a significant change has been made in the process carried out for the loss of value in vehicles after traffic accidents. Instead of the previous system that required beneficiaries to apply separately, the loss of value compensation process has been automated.
In the expert examinations conducted after an accident, the loss of value will be calculated by taking into account criteria such as the vehicle's brand, model, age, nature of the damage, past damage records, and wear status.
The loss of value amount determined by the expert will be recorded by the insurance company without the need for the beneficiary to make a separate request.
INSURANCE COMPANIES WILL PROVIDE INFORMATION
With the new practice, insurance companies will be obliged to officially notify the beneficiaries of the determined loss of value amount. The notification will be made in writing via text message, mobile application, e-Government, and similar digital channels.
USE OF ORIGINAL PARTS WILL BE THE PRINCIPLE
The regulation also introduces new rules regarding the repair processes of damaged vehicles. Accordingly, in the replacement of parts damaged as a result of a traffic accident and are not repairable, the use of original parts will be the principle.
The obligation to prove the suitability of the equivalent part to be used if the damaged part is not original will belong to the insurance companies.
With the new practice, it is aimed to reduce disputes and quality issues arising from the use of aftermarket parts.
WILL ENTER INTO FORCE ON JULY 1
The regulation, which closely concerns vehicle owners and the insurance sector, will enter into force on July 1, 2026. Experts state that the changes made will increase transparency in insurance processes, ensure faster resolution of loss of value compensation, and facilitate vehicle owners' access to their rights.