Insurance accident repair means having the damage to your car paid for under your comprehensive policy — called “kasko” in Türkiye. The process varies between policies, but in most cases it follows similar steps. This is a general overview; for the conditions of your own policy, check with your insurer or broker.
Your kasko, or the other driver’s insurance?
If the other driver was at fault, the damage is normally covered by their compulsory traffic insurance. If you were at fault, or there’s no identifiable other party (for example, your car was hit while parked), your kasko comes into play. Fault is established from the accident report and any other evidence.
Is it worth claiming for minor damage?
Claiming can affect the no-claims discount applied when your policy renews. If your policy has an excess, damage below that amount isn’t covered anyway. Before claiming for something small, ask your broker what it will cost you at the next renewal.
Insurance accident repair, step by step
1. Report the claim
Notify your insurer within the period stated in your policy — usually by phone, through their app or via your broker.
2. Gather the paperwork
- The joint accident report (for two-vehicle accidents) or an official report where required
- Vehicle registration and driving licence details
- Photos taken at the scene and afterwards
- Your policy number
3. Choosing the workshop
Some policies require repairs at particular workshops, or apply different terms depending on where the car is repaired. Check your policy before taking the car anywhere.
4. Loss assessor and approval
The insurer’s appointed loss assessor inspects the car and evaluates the scope and method of repair. Work starts once the insurer approves. If extra damage is found during strip-down, it goes back to the assessor for approval too.
5. Repair
After approval, the accident repair, bodywork and paint are carried out. We describe what happens in the workshop in the accident repair process.
6. Collection
When you collect the car, check the work done, the parts replaced and the car’s overall condition. Our guide to choosing a body shop includes a handover checklist.
About diminished value
If you weren’t at fault, you may be able to claim for the loss in your car’s resale value from the other driver’s traffic insurance. Because the conditions and calculation depend on regulation, get advice from a specialist or the insurer.
To talk through the workshop side of an insurance accident repair and a likely timeline, call us or send photos of the damage through the quote form.
