{"id":916,"date":"2025-10-30T11:31:11","date_gmt":"2025-10-30T08:31:11","guid":{"rendered":"https:\/\/tureliceylan.com\/en\/?p=916"},"modified":"2025-10-30T11:31:12","modified_gmt":"2025-10-30T08:31:12","slug":"insurance-arbitration-commission-application-turkey","status":"publish","type":"post","link":"https:\/\/tureliceylan.com\/en\/insurance-arbitration-commission-application-turkey\/","title":{"rendered":"What Is the Insurance Arbitration Commission and How Do You Apply?\u00a0"},"content":{"rendered":"\n<p>The&nbsp;<strong>Insurance Arbitration Commission (IAC)<\/strong>&nbsp;offers a&nbsp;<strong>faster, expert and cost-efficient<\/strong>&nbsp;pathway for policyholder\u2013insurer disputes.<\/p>\n\n\n\n<p><strong>1) Legal Basis &amp; Operation<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Disputes arising from insurance contracts may be decided by\u00a0<strong>IAC<\/strong>\u00a0upon written application.<\/li>\n\n\n\n<li>Independent\u00a0<strong>arbitrators<\/strong>\u00a0review the file; awards under a statutory threshold are\u00a0<strong>final<\/strong>\u00a0and enforceable\u00a0<strong>as court judgments<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>2) Eligible Disputes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Motor TPL<\/strong>\u00a0(diminished value, damage, loss of income)<\/li>\n\n\n\n<li><strong>Casco\/comprehensive<\/strong>\u00a0(repair\/total loss, accessories)<\/li>\n\n\n\n<li><strong>Health<\/strong>\u00a0(treatment costs, limits)<\/li>\n\n\n\n<li><strong>Property\/commercial\/cargo\/liability<\/strong>,\u00a0<strong>life\/personal accident<\/strong>\u00a0claims.<\/li>\n<\/ul>\n\n\n\n<p><strong>3) 2025 Key Requirements<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-request to insurer<\/strong>\u00a0and\u00a0<strong>15-day<\/strong>\u00a0wait (rejection\/short-pay\/no-reply).<\/li>\n\n\n\n<li><strong>Finality threshold:<\/strong>\u00a0awards up to\u00a0<strong>TRY 300,000<\/strong>\u00a0are\u00a0<strong>final<\/strong>; above this,\u00a0<strong>Objection Board<\/strong>\u00a0review may be sought.<\/li>\n\n\n\n<li><strong>Time limit:<\/strong>\u00a0<strong>2 years<\/strong>\u00a0from awareness of loss or policy expiry.<\/li>\n\n\n\n<li><strong>Fee example:<\/strong>\u00a0around\u00a0<strong>TRY 650<\/strong>\u00a0in 2025 (case-dependent costs may apply).<\/li>\n<\/ul>\n\n\n\n<p><strong>4) Step-by-Step<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Written claim to insurer<\/strong>\u00a0\u2192 await response for\u00a0<strong>15 days<\/strong>.<\/li>\n\n\n\n<li><strong>IAC form<\/strong>\u00a0+ attachments (policy, expert report, invoices, photos, correspondence, IBAN).<\/li>\n\n\n\n<li><strong>Pay fee<\/strong>\u00a0and lodge the file.<\/li>\n\n\n\n<li><strong>Arbitrator appointment<\/strong>\u00a0(~<strong>7 days<\/strong>).<\/li>\n\n\n\n<li><strong>Merit review<\/strong>\u00a0(generally\u00a0<strong>4 months<\/strong>, extendable\u00a0<strong>+2 months<\/strong>).<\/li>\n\n\n\n<li><strong>Decision<\/strong>\u00a0\u2192\u00a0<strong>15-day<\/strong>\u00a0objection window (if above threshold).<\/li>\n\n\n\n<li><strong>Enforcement<\/strong>\u00a0\u2192 final awards are directly\u00a0<strong>enforceable<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>5) Build a Persuasive File<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Itemize\u00a0<strong>loss heads<\/strong>\u00a0(parts, labor, rental car, diminished value).<\/li>\n\n\n\n<li>Support with\u00a0<strong>expert opinions<\/strong>\u00a0and\u00a0<strong>numbers<\/strong>.<\/li>\n\n\n\n<li>Address\u00a0<strong>policy limits\/deductibles\/exclusions<\/strong>\u00a0explicitly.<\/li>\n\n\n\n<li>State\u00a0<strong>interest<\/strong>\u00a0(from default date) and\u00a0<strong>costs\/fees<\/strong>.<\/li>\n\n\n\n<li>Keep a clean trail of\u00a0<strong>invoices<\/strong>,\u00a0<strong>photos<\/strong>,\u00a0<strong>emails\/KEP<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>6) Common Pitfalls<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Filing\u00a0<strong>before 15-day<\/strong>\u00a0waiting period lapses.<\/li>\n\n\n\n<li><strong>Unquantified<\/strong>\u00a0claims without expert backing.<\/li>\n\n\n\n<li>Ignoring\u00a0<strong>deductibles\/limits<\/strong>\u00a0and\u00a0<strong>exclusions<\/strong>.<\/li>\n\n\n\n<li>Over-reliance on equity without\u00a0<strong>figures<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>7) Skeleton of an IAC Petition (Concise)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Parties &amp; policy<\/li>\n\n\n\n<li>Facts &amp; chronology<\/li>\n\n\n\n<li>Claims table (amounts, interest, costs)<\/li>\n\n\n\n<li>Legal grounds (contract terms, general principles)<\/li>\n\n\n\n<li>Evidence list<\/li>\n\n\n\n<li>Prayer for relief<\/li>\n<\/ul>\n\n\n\n<p><strong>8) After the Award<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Non-payment<\/strong>\u00a0\u2192\u00a0<strong>judicial enforcement<\/strong>.<\/li>\n\n\n\n<li><strong>Partial success\/above threshold<\/strong>\u00a0\u2192 consider\u00a0<strong>objection<\/strong>.<\/li>\n\n\n\n<li>Review\u00a0<strong>tax\/accounting<\/strong>\u00a0impacts and potential\u00a0<strong>recourse<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Quick FAQs<\/strong><\/p>\n\n\n\n<p><strong>Do I need a lawyer?<\/strong><br>Not mandatory but&nbsp;<strong>highly recommended<\/strong>&nbsp;for completeness and speed.<br><strong>Is mediation required?<\/strong><br>No mandatory mediation in the IAC track.<br><strong>Does a criminal probe suspend the case?<\/strong><br>Civil claim typically&nbsp;<strong>proceeds independently<\/strong>, subject to technical overlaps.<\/p>\n\n\n\n<p><strong>Disclaimer:<\/strong>&nbsp;For information only, not legal advice. T\u00fcreli &amp; Ceylan provides&nbsp;<strong>end-to-end<\/strong>&nbsp;assistance\u2014from filing to enforcement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The&nbsp;Insurance Arbitration Commission (IAC)&nbsp;offers a&nbsp;faster, expert and cost-efficient&nbsp;pathway for policyholder\u2013insurer disputes. 1) Legal Basis &amp; Operation 2) Eligible Disputes 3) 2025 Key Requirements 4) Step-by-Step 5)<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,496],"tags":[495,409,492,493,494],"class_list":["post-916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-insurance-law","tag-arbitration-award-enforcement","tag-insurance-arbitration","tag-insurance-arbitration-commission","tag-insurance-dispute-resolution","tag-insurance-law-turkey"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Arbitration Commission Application Requirements - T\u00fcreli &amp; 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