Regulation on the Appointment of Insurance Experts
AI-generated summary for informational purposes only. Not legal advice. See the original source for the authoritative text.
This Turkish regulation, effective from 1 April 2026, establishes detailed procedures for the appointment of insurance experts (eksper) by insurers, policyholders, and other interested parties. It creates the EKSİST digital system for sequential and merit-based expert appointments, mandates expert involvement for motor vehicle claims exceeding 10% of the minimum material coverage limit in compulsory traffic insurance, and requires expert assessment for total or severe damage in casco policies. The regulation defines a single standard expert report format, sets strict timelines for objections (3 business days) and expert reports, and introduces a binding umpire (hakem) expert whose decision is final. Fees are based on published minimum tariff tables (EK-1 and EK-2) that are automatically indexed to CPI annually, with clear rules on who pays in case of objections and when no fee is due.
AI-generated summary. May contain errors. Refer to official sources for legal decisions.
Key Changes
- Mandatory expert appointment in compulsory traffic insurance when estimated claim exceeds 10% of minimum material coverage limit (Institution may adjust this ratio between 0% and 20%)
- Sequential appointment through EKSİST digital system for traffic, casco severe/total loss, and objection cases
- Introduction of binding umpire (hakem) expert selected from those with at least 10 years of experience; decision is final
+ 3 more changes with Pro
Obligations
What this law requires
Insurance companies must transmit claim file information to the Center (Merkez) in accordance with a template determined by the Institution within the first business day following the claim notification, and open the claim file using the reference number received from the Center.
Insurance companies must include information in insurance policies stating that policyholders, insureds, or persons with interest in the insurance contract can also appoint experts.
For motor vehicle compulsory traffic insurance claims, expert appointment must be conducted sequentially through the EKSİST system when the pending claim amount or total claim amount determined through initial and subsequent inspections exceeds 1/10 of the minimum material coverage limit.
For casco insurance on land vehicles, expert appointment through the EKSİST system on a sequential basis is mandatory when claim amounts require a severe damage or total loss determination.
Parties may lodge objections to expert findings within 3 business days from notification of the expert report entry into the Center's expert report system, triggering sequential expert appointment through EKSİST for the objection.