Traffic policy and claim file inquiry can be performed via e-Government, the official website of the Insurance Information and Monitoring Center, and SMS. With this service, you can access vehicle policy details, coverage information, discount/no-claim bonus details, and, if available, previous policy records digitally using your vehicle policy information.
What Is Online Policy Inquiry? How Is It Done?
You can use online services through the Insurance Information and Monitoring Center’s official website. The platform enables one-click inquiries for traffic and comprehensive (kasko) policies through available services, and can also be accessed via call center at 0850 222 0 SBM (726).
Among the online services offered by the Insurance Information and Monitoring Center are expert assignment, expert assignment status inquiry, traffic insurance quote comparison, and deceased person checks.
How to Query a Policy by SMS?
Using the 5664 SMS service provided by the Insurance Information and Monitoring Center, citizens can quickly and securely obtain information such as:
- Vehicle damage history
- Vehicle details
- Changed parts information
The query service provided through authorized service providers is paid. Fees are charged per query and determined by the relevant operator. To check a vehicle’s damage history:
- Send an SMS with the license plate to 5664.
Even if the license plate has changed, records allow access to historical information. For expert reports (ERP) prepared for accidents, if you need information about part replacements:
- Send PARCA followed by a space,
- then the license plate and a space,
- and the date of the damage to 5664.
You can also query changed parts and vehicle details by sending the chassis number.
E-Government Policy and Claim File Inquiry
With services supported by the Insurance Information and Monitoring Center, traffic policy and claim information can be queried through the e-Government gateway.
- Visit the SBM traffic policy inquiry page on the e-Government portal
- Complete identity verification
- Enter the license plate of a vehicle registered in your name
- Access detailed policy and claim information
Legal entities can also query traffic policy and claim information. This service is available only to persons authorized to represent the company.
What Is a Policy?
Documents that protect assets of monetary value are called policies. General terms that make up a policy’s core are generally the same across policies, while special terms are tailored to the individual’s needs and expectations.
What Are the Types of Policies?
Insurance policy packages are prepared by insurance companies. These packages, offering various benefits, include indemnity for damages and accident coverages. Comprehensive (kasko) insurance is not mandatory; however, to cover costs for the other party and third parties injured in an accident, compulsory traffic insurance is legally required.
Policies are arranged for the items, goods, or personal values to be insured. Once an agreement between the insurer and the insured is signed, the coverage typically becomes effective within 24 hours. With technological advances, traffic policies can be prepared and approved digitally.
What Does a Policy Cover?
Insurance policies are drafted according to what is intended to be covered. Standard information included in a policy often includes:
- The insurance company
- The insured’s name
- Coverage amount
- Coverage conditions
- Start and end dates of the insurance
In vehicle insurance, the policy is prepared with details such as the license plate, model, engine, and chassis number. The policy period is indicated by start and end dates. Premiums may vary depending on general and special terms, and can be paid in full or in installments. Insurance premiums for traffic policies may also be tax-deductible where applicable.
What to Pay Attention to When Insuring a Vehicle
Compulsory traffic insurance is intended to cover material damage resulting from an accident. When insuring a vehicle, it is crucial to provide up-to-date and complete information. The scope of coverage and contract details must be read carefully. In addition to the no-claim discount, it is important to review whether coverage can be extended in later years.
Required documents for traffic insurance usually include:
- License plate number
- Vehicle model
- Year of manufacture
- Registration certificate
- Additional accessories in the vehicle
- Identity information
- Policy start date
- Identification of authorized drivers
The contract signed between the parties ensures repair of material damages resulting from accidents. The coverage must be clearly stated in the policy. For contracts with a one-year term that include exemptions, these clauses should be checked carefully.
What Is Included in Insurance Coverage? What Are Additional Coverages?
Insurance provides greater safety when drivers use their vehicles on the road. Depending on its scope, traffic insurance can cover:
- Medical expenses
- Material damages
- Disability
- Death
Policy limits, the role of the injured party in the accident, and similar details play an important role in determining the compensation paid by the policy.
Coverage limits vary according to vehicle characteristics. The rate at which damages are covered is specified in the policy and accepted by the parties. Mandatory coverages can often be increased with higher limits or supplemented with special conditions. Before purchasing insurance, obtaining quotes from different providers is advisable to find the best balance of cost and coverage.
What Is the No-Claim Discount? Who Can Benefit?
The no-claim discount is a right granted to drivers who have not been involved in an accident during their insurance period. For each policy period without a claim, the no-claim discount increases. The aim of this practice is to reward the driver and encourage safe driving.
Insurers may apply a surcharge (sürprim) to drivers considered high risk based on statistics. The no-claim discount system encourages adherence to traffic rules and is particularly relevant for new drivers.
The Importance of Policy Validity in Traffic Insurance Inquiries
Traffic insurance policy validity runs for 365 days from the date it is issued. If the vehicle changes ownership during the period, the unused portion of the premium is refunded to the policyholder. As the name implies, compulsory traffic insurance must be maintained for any vehicle that will be driven on public roads. Users must renew expired policies annually. Renewal reminders and checks are typically handled by agencies.
If an expired policy is renewed within the first month, the premium is increased by 5%. Premium increases are capped at 50%. Drivers operating vehicles without traffic insurance are subject to fines and the vehicle may be impounded.
What Does Claim File Rejection Mean? Common Reasons for Rejection
When a traffic accident occurs, the insurer is responsible for paying the claim for the liable vehicles. If a claim file is rejected for various reasons, it is important for the insured to know their rights and to follow the process closely.
After the accident, the insurance company begins assessing the damage. If there is a mismatch between reported information and the true damage, a claim file rejection may be issued. Common reasons cited by insurers include:
- Inconsistency between the accident and the reported damage
- The accident scene or vehicle not being photographed
- Driving under the influence or without a valid license
- The accident not occurring on a public road
- An expert’s finding that the claimed damage was not caused by the reported accident
Insurers may refuse full payment or partially deny a claim. An independent expert report is a key document to initiate the process for obtaining compensation. Seeking expert legal or technical advice about rejected claim files can speed up the settlement and help protect the insured’s rights.