Insurance is a vital tool designed to provide financial security against unexpected life events. However, when a crisis occurs – whether a car accident, a medical emergency, or property damage – securing your rightful payout from an insurance company can be a frustrating and heavily bureaucratic process. For foreign nationals living, working, or investing in Türkiye, these challenges are compounded by complex Turkish policy language, unfamiliar local regulations, and strict statutory filing windows.
At Kotan & Gökce Law Firm, we represent expatriates and international citizens in resolving high-stakes disputes with Turkish insurance providers. Our primary objective is to ensure you receive full, fair, and timely financial compensation for your losses, whether through direct negotiation, the Turkish Insurance Arbitration Commission (Sigorta Tahkim Komisyonu), or the consumer courts.
Our Scope of Services:
Comprehensive Claim Management: Pursuing compensation across all major individual policy lines, including private health insurance (sağlık sigortası), compulsory traffic insurance, comprehensive auto coverage (kasko), life insurance, and home/property insurance.
Contesting Wrongful Denials: Launching formal legal appeals and lawsuits against insurance companies that arbitrarily reject valid claims or issue bad-faith coverage denials.
Policy Interpretation & Audits: Analyzing complex Turkish insurance policies to determine your exact legal coverage scope and identify hidden clauses used by insurers to evade liability.
Recovering Underpayments & Depreciation: Recovering outstanding funds from insurers who underpay repair costs, delay payouts past legal deadlines, or refuse to cover vehicle depreciation (değer kaybı) following traffic accidents.
Post-Death Beneficiary Claims: Representing foreign heirs and beneficiaries in securing life insurance payouts or wrongful death compensation following the loss of a family member in Türkiye.
Health Insurance Coverage Restitutions: Resolving disputes where local health insurance companies wrongfully reject coverage for critical medical treatments, surgeries, or hospital stays.
Why Kotan & Gökce?
Bilingual Insurance Law Expertise:
We decode the highly technical language of Turkish insurance policies, explaining your exact contractual rights and obligations in plain English so you are never left in the dark.
Fast-Track Settlement Strategies:
Where possible, we utilize specialized alternative dispute resolution mechanisms, such as the Insurance Arbitration Commission, to bypass long court backlogs and secure your payout in a fraction of the time.
Dedicated Advocacy Against Large Insurers:
Local insurance companies frequently deploy stalling tactics against foreign citizens who they assume are unfamiliar with Turkish consumer laws. We level the playing field, utilizing aggressive litigation strategies to hold insurers strictly accountable to their policy agreements.
Critical Realities in Turkish Insurance Disputes
Failing to secure proper payouts or vehicle depreciation after a traffic accident.
Following a car accident, local insurance providers routinely underpay repair costs or completely deny claims by interpreting accident reports in their own favor. Furthermore, many foreigners are unaware that Turkish law entitles them to separate compensation for their vehicle’s lost market value (değer kaybı). Recovering these funds requires rapid legal intervention and independent technical damage assessments before strict statutory deadlines expire.
Insurers denying claims by arguing that the incident falls "outside the policy scope."
Insurance companies frequently exploit ambiguities in the fine print or point to minor administrative oversights to claim an incident is uncovered. If you were misled during the sales process or if the insurer failed to clearly disclose exclusions in writing, Turkish consumer protection laws provide strong grounds to challenge the denial and compel full payment.
Facing wrongful cancellations or bad-faith rejections on life and health policies.
Securing life or health insurance payouts can become exceptionally difficult if the insurer claims a medical condition was “pre-existing” or that a foreign beneficiary has not provided the correct international documentation. When cross-border estates or foreign medical records are involved, we manage the entire verification, notarization, and court submission process to ensure your family’s financial security is not compromised.
You do not have to accept an unfair claim denial or an underpaid settlement from a local insurance provider. To challenge an insurance decision, review a disputed policy, or initiate a swift recovery claim in Türkiye, contact our insurance law team to schedule a formal consultation.
Your legal partner in Izmir-Turkiye
Please contact us for consultation. You can reach us via WhatsApp, phone or e-mail.
İşbu aydınlatma metni, 6698 sayılı Kişisel Verilerin Korunması Kanunu (“KVKK”) uyarınca veri sorumlusu sıfatıyla hareket eden KOTAN & GÖKCE HUKUK BÜROSU (“Hukuk Bürosu”) tarafından, kişisel verilerinizin toplanması, işlenmesi ve korunması süreçlerine ilişkin sizleri bilgilendirmek amacıyla hazırlanmıştır.
2. Kişisel Verilerinizin Toplanma Yöntemleri ve Hukuki Sebepleri
Kişisel verileriniz, hukuk büromuzun web sitesi, e-posta iletişimi, telefon görüşmeleri, fiziki formlar, dava dosyaları, müvekkil görüşmeleri ve benzeri yollarla otomatik ya da otomatik olmayan yöntemlerle toplanmaktadır. Bu veriler, KVKK’nın 5. ve 6. maddelerinde öngörülen hukuki sebepler doğrultusunda işlenmektedir.
3. Kişisel Verilerin İşlenme Amaçları
Toplanan kişisel verileriniz;
Avukatlık hizmetlerinin sunulması,
Müvekkil ilişkilerinin yürütülmesi,
Dava ve icra dosyalarının hazırlanması ve takibi,
İlgili kişiyle iletişimin sağlanması,
Yasal yükümlülüklerin yerine getirilmesi,
4. Kişisel Verilerin Aktarımı
Kişisel verileriniz, yukarıdaki amaçlarla sınırlı olmak üzere ve KVKK’nın 8. ve 9. maddelerine uygun şekilde;
Yargı mercileri,
İcra müdürlükleri,
Kamu kurumları,
Hizmet alınan danışmanlar ve iş ortakları
ile paylaşılabilir.
5. İlgili Kişinin KVKK Kapsamındaki Hakları
KVKK’nın 11. maddesi uyarınca, kişisel verilerinizle ilgili olarak veri sorumlusuna başvurarak;
Kişisel verilerinizin işlenip işlenmediğini öğrenme,
İşlenmişse buna ilişkin bilgi talep etme,
İşlenme amacını ve bu amaca uygun kullanılıp kullanılmadığını öğrenme,
Yurt içinde veya yurt dışında aktarıldığı üçüncü kişileri bilme,
Eksik ya da yanlış işlenmişse düzeltilmesini isteme,
KVKK’ya aykırı olarak işlenmişse silinmesini veya yok edilmesini isteme,
İşlemenin yalnızca otomatik sistemler ile analiz edilmesi suretiyle aleyhinize bir sonucun ortaya çıkmasına itiraz etme,
Zarara uğramanız hâlinde tazminat talep etme
Bu haklarınıza ilişkin başvurularınızı info@kotangokce.com adresine iletebilir ya da bizzat başvuru yapabilirsiniz.
TR
