Insurance Law

Insurance law is a branch of law that regulates insurance contracts and the relationships between insurance companies and insureds. This field covers a series of legal processes ranging from the preparation of insurance policies to the payment of insurance compensation. Insurance law includes all legal regulations related to insurance contracts that provide security against risks for individuals and businesses. Insurance is based on a contract made with an insurance company in return for a certain premium to cover the losses of individuals and institutions.

The purpose of insurance law is to protect the rights of insureds, insurance companies and other relevant parties, to fulfill the requirements of the insurance contract and to resolve possible disputes between the parties. Matters such as compensation claims between insurance companies and insureds, policy terms, contract violations and insurance receivables are within the scope of insurance law.

Insurance contracts include conditions that determine the rights and obligations of both parties, such as the assumption of risks by the insurance company and the payment of premiums by the insured. In the event of a breach of the insurance contract, delays in compensation payments and the insurance company’s failure to fulfill its obligations, insurance law comes into play.

Basic Topics Covered in Insurance Law:

1. Insurance Contracts: – Creation of the insurance contract, obligations and rights of the parties. The validity of the insurance contract determines its conditions and the insured’s compliance with the conditions in the insurance policy.
2. Insurance Policy and Conditions: – Contents of the insurance policy, guarantees, premium payments, insurance coverage and responsibilities of the insurance company. Special and general conditions in the policy determine the rights of the parties.
3. Insurance Compensation: – Payment of insurance compensation, declaration of damage by the insured, provision of documents requested by the insurance company and evaluation of compensation claims.
4. Insurance Fraud and Fraudulent Cases: – Insurance fraud, falsely claiming insurance benefits with false documents, legal rights of insurance companies in such cases. Legal procedures in fraudulent insurance cases.
5. Traffic Insurance and Compensation for Damages: – Coverage of traffic insurance policies, payments to be made under compulsory traffic insurance, evaluation of accidents within the scope of insurance and compensation for damages.
6. Traffic Insurance and Compensation for Damages: – Coverage of traffic insurance policies, payments to be made under compulsory traffic insurance, evaluation of accidents within the scope of insurance and compensation for damages.
7. Life Insurance: – Issuance of life insurance policies, payment processes in the event of death or permanent disability of the insured, compensation rights and guarantees in the policy.
8. Accident Insurance and Work Accidents: – Applications made within the scope of work accidents and accident insurance, compensation claims, the rights of the insured after the accident and the liabilities of the insurance company.
9. Insurance Companies and Their Legal Obligations: – Insurance companies’ obligation to fulfill the terms of the contract, duty of honesty towards the insured, obligation to pay compensation and client rights in case insurance companies fail to fulfill their obligations.
10. Insurance Policy Cancellation and Termination: – Cancellation of the insurance policy, procedures to be applied in case of termination of the insurance contract, compensation rights of the insured and legal solutions regarding cancelled policies.
11. Traffic Accidents with Fatalities and Injuries: – When traffic accidents result in death or injuries, insurance law comes into play. Compulsory traffic insurance aims to cover the compensation of those injured in the accident. In traffic accidents with fatalities and injuries, in order for the insured to receive compensation, the details of the accident, the payment obligations of the insurance company, compensation calculations and legal processes must be managed correctly. The rights of the consumer are determined according to the insurance coverage of the other vehicles involved in the accident and all necessary compensations are requested for the victim or his/her family. The responsibilities of the parties involved in the accident are evaluated within the framework of insurance policies and relevant legislation.

In insurance claims for traffic accidents involving death or injury, the amount of compensation applied for by the insured may vary depending on the condition of the person who had the accident (life threatening, disability, need for treatment). In cases where insurance companies reject compensation claims, legal solutions are sought on behalf of the insured or the accident victim. The compensation claims of the families of those who lost their lives as a result of traffic accidents are aimed at compensating for the material and moral losses caused by the loss of life. Similarly, in accidents involving injury, the insurance company is also requested to cover health expenses, treatment expenses and compensation in cases of permanent disability.

As Aykut Law Firm, we offer the following services within the scope of insurance law:

• Preparation and Review of Insurance Contracts: – Detailed review of insurance contracts and determination of conditions that may be in favor of the insured. Making the necessary arrangements to ensure that insurance companies do not harm the consumer.
• Insurance Claims and Legal Support: – We provide legal consultancy to our clients in the process of claiming compensation from insurance companies. In case the insurance claim is rejected, we file a lawsuit for the payment of compensation through legal means.
• Insurance Cases and Insurance Fraud: – We defend our clients’ rights in cases of insurance fraud, fraudulent claims, and failure of insurance companies to fulfill their obligations to pay claims.
• Compulsory Traffic Insurance and Accident Cases: – We carry out the necessary legal procedures to receive insurance compensation in the event of a traffic accident. We provide legal support regarding the scope of the compulsory traffic insurance policy and compensation payment processes.
• Health Insurance and Objections: – We follow the necessary legal procedures to resolve disputes arising from applications made within the scope of health insurance and to cover illness and treatment expenses.
• Life Insurance and Compensation Cases: – In cases of death or disability related to a life insurance policy, we file a lawsuit against the insurance company for failure to fulfill its compensation payment obligations, and we ensure that our clients receive fair compensation.
• Insurance Policy Cancellation and Termination Procedures: – We defend the rights of the insured during the processes of cancellation, termination or renewal of the insurance policy. We provide consultancy on policy cancellation and disputes that may occur with insurance companies.
• Insurance Compensation Claims After Traffic Accidents: – We provide legal support to insurance companies regarding compensation claims in traffic accidents involving death or injury. We manage the necessary procedures for the full and correct payment of the compensation you can receive from compulsory traffic insurance.

As Aykut Law Firm, with over 15 years of experience in insurance law, we offer our clients professional solutions in insurance contracts, compensation claims, insurance lawsuits and legal disputes that may occur with insurance companies. We are by your side and defend your rights in any problem you encounter in insurance law.