01.07.2026 11:10
The new regulation on compulsory traffic insurance came into effect today. Vehicle depreciation compensation will now be evaluated within the claim file without requiring a separate application and will be reported by a single expert. With the regulation, notifications will be made via e-Government, original parts will be primarily used in vehicle repairs, and a new document requirement will be applied for compensation payments for heavily damaged vehicles.
Comprehensive changes in compulsory traffic insurance have come into effect as of today. With the regulation implemented by the Insurance and Private Pension Regulation and Supervision Authority (SEDDK), vehicle depreciation compensation, claim processes, expert practices, and repair rules have been reshaped.
SEPARATE APPLICATION PERIOD FOR VALUE LOSS ENDED
The most notable innovation of the new regulation pertains to vehicle depreciation compensation. Now, within the scope of a material damage file opened after a traffic accident, the depreciation in the vehicle will also be automatically assessed. Thus, vehicle owners will no longer need to make a separate value loss application.
A SINGLE EXPERT WILL PREPARE THE REPORT
In the new system, a single expert assigned via the central appointment method will calculate both the damage to the vehicle and the resulting value loss in the same report.
In the expert evaluation, criteria such as the vehicle's age, model, usage status, extent of damage, replaced parts, and market value will be taken into account. This practice aims to prevent disputes arising from different expert reports.
REDUCED NEED FOR INTERMEDIARY INSTITUTIONS
With SEDDK's regulation, the value loss process has been directly integrated into the damage file. Claimants will be able to submit their compensation requests directly to insurance companies. Thus, by reducing the need for intermediary structures that demand high commissions, the process aims to be completed faster and at lower cost.
APPLICATIONS WILL BE MONITORED DIGITALLY
After the expert report is completed, the calculated compensation amount will be notified to the claimants. Additionally, citizens will be informed about the process via their registered mobile phone numbers on e-Government and will be able to track their applications more transparently.
ORIGINAL PARTS PRINCIPLE INTRODUCED
The use of original parts has been adopted as the basic rule in vehicle repairs. However, if the original part cannot be supplied, technically replaced, or with the vehicle owner's approval, the use of equivalent or reusable parts will be permitted.
NEW CONDITION FOR SEVERELY DAMAGED VEHICLES
The new regulation also changed the process for severely damaged vehicles. For vehicles identified as severely damaged by the expert, the insurance company will require the submission of a registration document bearing the notation 'withdrawn from traffic' to make a payment.
CHANGES IN HEALTH COVERAGES ALSO
Within the scope of the regulation, treatment expenses related to traffic accidents will continue to be covered by the Social Security Institution (SGK). While temporary incapacity payments will be made under the disability coverage, practices regarding permanent disability compensations and caregiver expenses have also been clarified with the new rules.