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Claim Management

The strategies to be followed in order to manage the cost of damage after the damage and to reach the most accurate result in the compensation claim are of critical importance. It is very important to resolve compensation claims effectively while compensating the damage suffered.
With this discipline, as Rönesans, we are proud to offer our policyholders expertise and professionalism in all branches of damage. We know your needs and offer you special solutions. Our team, which has many years of knowledge/accumulation and experience in different insurance branches, aims to provide the necessary organization and consultancy in the management of our customers' Losses and the follow-up of complex Losses.

 

Main Services Provided by Our Damage Department

  • The management of all processes from the notification of the damage to its conclusion is provided.
  • The policy coverage is examined and necessary guidance is provided regarding the occurrence of the Losses in question.
  • Our policyholders are regularly informed until the damage file is finalized.
  • Special consultancy service is provided in complex Losses.
  • Our expert team members aim to conclude the damage/compensation processes smoothly, accurately and quickly.

Requested Documents at the Time of Damage:

 

  • Traffic Accident Report/Agreed Accident Report/Statement and Eyewitness Report
  • Declaration in cases where there is no Minute or Report
  • Crime scene accident photos
  • License Photocopy
  • Driver's License Photocopy
  • Alcohol Report
  • If it is a double or chain traffic accident, photocopies of the other vehicles' license, registration and traffic policy
  • Repair invoice if the damage has been repaired
  • If there is a lien on the vehicle, payment can be made to the insured D/M consent
  • IBAN information
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.

 
In Case of Vehicle Theft

  • Police station application report
  • Police station and auto theft bureau letters stating that the vehicle cannot be found (If it cannot be found within 30 days from the day it was stolen)
  • Original stolen stamped license
  • If there is a lien on the vehicle, a positive D/M consent and a notary-certified letter stating that the lien has been removed
  • A letter from the Treasury stating that there is no debt
  • A letter from the traffic registration office stating that the traffic record has been deleted
  • Power of attorney (a copy must be obtained from our company)
  • Original and spare keys
  • Power of attorney
  • The above documents are standard and additional documents may be requested depending on the nature of the damage.

Radio - Tape Stolen Losses

  •  If the radio tape is stolen, the insurance coverage provided for the radio tape in your policy will be terminated, so if you install a radio tape again, additional coverage must be added to your policy.
  • Police station application and eyewitness report
  • Photocopy of license
  • If there is a D/P (deceased person) consent letter from the relevant institution

Loss of Value Losses

  • Loss of value claim declaration
  • Kilometer (KM) information of the damaged vehicle
  • Traffic accident report or Agreed Accident Report
  • Photocopy of the license and Driver's License
  • Incident photos of the vehicle (along with other vehicles involved in the accident)
  • Expert report on damage repair
  • Repair invoice
  • IBAN information

 
Glass Breakage Losses​

  • Report or declaration
  • Invoice (in cases where an expert is not sent)
  • Traffic accident report or Agreed Accident Report
  • Photographs related to the damage
  • Photocopy of the license
  • Photocopy of the driver's license
  • IBAN informatio

For Material Losses

  • Traffic accident report or Agreed Accident Report
  • Alcohol report
  • Accident photos from the scene (with other vehicles involved in the accident)
  • Photocopy of the damaged vehicle's registration
  • Driver's license of the damaged vehicle
  • IBAN information

 
In Case of Death

  • Traffic accident report
  • Alcohol report
  • Dead examination autopsy report
  • Burial license
  • Inheritance Certificate
  • Family population registration sample
  • Official document showing the profession and income status of the deceased
     


In Case of Injury

  • Accident report
  • Hospital report indicating discharge
  • Treatment expenses
  • In case of permanent disability, a board report showing the degree of disability received from a fully equipped hospital
  • In case of permanent disability, a document showing the profession and monthly income of the disabled person
  •  
  • The above documents are standard, additional documents may be requested depending on the nature of the damage

Fire department report

  • Statement and eyewitness report kept by the police station
  • Request form
  • Detailed statement in cases where the fire was extinguished with the insured's means before it grew
  • Accounting records (Invoices, fixed asset records, balance sheet, inventory record), VAT declaration
  • Title deed or lease contract
  • Prosecutor's indictment and decision of non-prosecution
  • Photos of damage
  • Positive D/M consent if there is a lien
  • Tax Certificate
  • Offers and invoices for the repair of the damage
  • IBAN information

Storm Losses

  • Meteorological report (winds blowing at a speed of 17.1 meters per second, more than “7 Beaufort” at a height of 10 meters are considered storms)
  • Insured declaration and request letter
  • Title deed or lease contract
  • Photos of damage
  • Tax Certificate
  • Offers and invoices for the repair of the damage
  • IBAN information

In case of Internal Water / Flood - Inundation Losses;

  • A detailed statement describing the damage
  • A damage claim
  • A photocopy of the title deed or lease contract
  • A proposal and invoices for the repair of the damage
  • If it is a workplace, accounting records (invoices, fixed asset records, balance sheet, inventory record), VAT declaration
  • Damage photos
  • Tax Certificate
  • IBAN information

In Theft Losses

  • Insured's application record to the police station, eyewitness report
  • Request letter
  • Accounting records (Purchase invoices of stolen assets, balance sheet with damage date if workplace)
  • If stolen goods are not found after 30 days, relevant police station's not found document
  • Photographs of theft damage
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.

General Documents

  • Corporate Tax Returns and their attachments for the three years before the damage date
  • Provisional Tax Returns and their attachments for the three years before the damage date
  • Budget for the year before the damage date and budget for the year in which the damage occurred
  • Certified Public Accountant Corporate Tax Return Certification Report for the three years before the damage date
  • Capacity Reports for the three years before the damage date
  • Official inventory book for the three years before the damage date
  • Investment Incentive Certificates
  • Independent Audit Reports for the three years before the damage date

 
Accounting Documents

  • Balance Sheets and Income Statements for the three years before the damage date (submitted to the Tax Office)
  • Provisional Tax Returns and their attachments for the three years before the damage date Income Statements and detailed general balances of costs as prepared
  • Monthly non-transferable (non-cumulative) detailed general balances for the three years before the damage date
  • 1-year monthly non-transferable (non-cumulative) detailed general balances retroactive to the damage date
  • Value Added Tax Returns for the three years before the damage date

 
Planning and Cost Documents (Management Accounting Documents)

  • Information on which production cost system was used in the damaged machines as of the damage date and the documents of this cost system
  • Detailed stock lists related to production, if there are no non-accounting lists, volume-profit analyses of the machines as of the damage date
  • Period beginning stocks, detailed lists of units and amounts of stocks as of the beginning and end of the damage date (also detailed balance sheets)
  • Actual stock count lists for the three years before the damage date in a detailed form

Electronic Device Insurance Losses

  • Insured declaration and relevant minutes regarding the incident
  • Technical service report (showing the cause of damage)
  • Fire department report if the damage occurred as a result of fire
  • Police station report and report of not found if the damage occurred as a result of theft
  • Purchase invoice of the damaged device
  • Photo
  • Repair invoice if repaired
  • Maintenance contract and periodic maintenance documents

In Construction Insurance Losses

  • The insured's declaration and relevant minutes regarding the incident
  • Summary of the survey, progress payment reports
  • Agreement between the employer and the contractor
  • If temporary acceptance has been made, acceptance delivery report
  • Project, tender contract
  • Photo
  •  Official documents prepared according to the occurrence of the incident (fire department report, prosecutor's indictment/non-prosecution decision in fire Losses, application/statement report, eyewitness report, not found letter in theft Losses, meteorology report in storm Losses, etc.)
  • Fixed asset records in construction site Losses,

Machine Breakage Insurance Losses

  • Insured declaration and relevant minutes regarding the incident
  • Technical service report (showing the damage)
  • Proposals regarding the damage
  • Purchase invoice of the damaged device
  • Photo
  • Repair invoice if repairs have been made
  • Maintenance contract and periodic maintenance documents
  • Operator certificate, operator employment notification and license for mobile machines.

In Construction Erection Insurance Losses

  • The insured's declaration regarding the incident and relevant minutes
  • Summary of the survey, progress reports
  • Agreement between the employer and the contractor
  • All kinds of proposals and expenses for the elimination of the damage
  • Photo
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.

Personal Liability Material Losses

  • If available, official records issued by official authorities, if not, written statement of the victim and the insured explaining how the damage occurred
  • Information/document proving that the insured is responsible
  • Offers or repair invoice if repairs have been made
  • Request letter stating the damage
  • Photo
  • IBAN information

Employer Liability Losses

  • Work accident report
  • SSI Work Accident Notification Form
  • Official statement and witness reports prepared depending on the cause of the damage,
  • Request Letter
  • Epicrisis report
  • Court expert report
  • Pay slip
  • SSI employment entry declaration
  • Work safety inspector reports

 
In Case of Disability

  • Document showing income status,
  • Hospital board report,
  • Incapacity report,
  • Original prescription/invoice

 
In Case of Death

  • Burial permit,
  • Income status document,
  • Dead body examination autopsy report,
  • Inheritance certificate,
  • Family population registration table of the incident,
  • Other documents

 
In Treatment Requests

  • Incapacity report
  • Original invoice/prescription

 
In Product Liability Losses

  • A request letter from the insured party,
  • Information about the product that caused the damage,
  • The manufacturer's findings, opinions and information on the subject,
  • Documents for determining the amount of damage (Expert report, court expert report etc.)
  • A court decision if the parties cannot reach an agreement and the incident is brought to court,
  • A payment has been made by our insured party based on the court decision, an execution order and payment receipt,
  • The above documents are standard, additional documents may be requested depending on the nature of the damage. 

General Documents

  • Request letter
  • Epicrisis report
  • Iban information

 
In case of death

  • Burial license
  • Dead examination autopsy report
  • Inheritance certificate
  • Family population registration table with certificate
  • Document showing income status
  • If the death of the insured person occurred as a result of a traffic accident, Traffic Accident Report and Alcohol Report if the insured person is the driver

 
In Case of Disability

  • If the insured person's death occurred as a result of a traffic accident, Traffic Accident Report and Alcohol Report if the insured person is the driver
  • Document showing income status
  • Hospital board report
  • Prescription, original invoices
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.

In case of domestic shipment;

  • Declaration letter of the insured/insured regarding the damaged goods
  • Original or photocopy of the policy
  • Original or copy of the goods invoice
  • Original or copy of the shipping note
  • Copy of the freight (transportation) invoice
  • Traffic accident report/alcohol test (if there is a traffic accident)
  • Reports issued by official authorities regarding the damage, if any
  • Damage assessment report (including the truck/trailer license plate and the driver's signature)
  • Damage Notification letter (Notification Letter) sent to the carrier company by the insurer/insured through a notary
  • Signature circular
  • Photos of the damaged goods
  • Insured's bank information
  • IBAN information
  • Other (additional) documents that the insurer may deem necessary depending on the nature of the damage

 
In Case of International Shipment

  • Declaration letter of the insured/insured regarding the goods
  • Original or photocopy of the policy
  • Original or copy of the goods invoice
  • Bill of lading in sea transportation, bill of lading or CMR in international road transportation, airway bill in air transportation, railway bill in railway transportation
  • Customs entry declaration (in case of import)
  • Customs exit declaration (in case of export)
  • Customs exit declaration (in case of export)
  • Reports issued by official authorities regarding Losses, if any
  • Packing list
  • Carriage contract, freight (transportation fee) invoice
  • Damage notification letter sent to the carrier company by the insurer/insured through the notary (Notification)
  • IBAN information
  • Photographs of the damaged goods
  • Insured's bank information
  • Other (additional) documents that the insurer may deem necessary depending on the nature of the damage

 
In case of Domestic Carrier Liability Insurance Losses;

  • A declaration letter of the insured/insured regarding the damaged goods,
  • A copy or original of the policy,
  • A copy of the goods invoice,
  • A copy or original of the shipping note,
  • A copy of the freight (transportation) invoice,
  • A traffic accident report/alcohol test (if there is a traffic accident),
  • If there is any, official reports issued by the authorities regarding the damage,
  • A damage assessment report (including the truck/trailer license plate and the driver's signature),
  • A picture of the damaged goods,
  • Documents regarding the transportation vehicle,
  • A bill and a letter documenting that the owner of the goods is held responsible for the damage within the framework of the legal liability of the carrier,
  • IBAN information,
  • A copy of the goods insurance for the goods, if there is any, or a declaration letter from the owner of the goods stating that there is no goods policy,
  • A bank information of the insured

 
Documents Required in Boat Damage Files

  • Insured declaration
  • Seaworthiness certificate
  • Meteorological report
  • Salvage offers
  • Deck, engine and radio logs
  • Repair and other expense invoices
  • Ship equipment minimum safety certificate
  • Damage pictures
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.

General Documents

  • A declaration containing the numerical demand of the insured, the type of damage and bank information for compensation payment
  • The employment report of the personnel who committed the crime of security abuse (SSK Record)
  • The employment contract
  • The payroll
  • The criminal complaint filed with the prosecutor's office
  • The document regarding the result of the investigation conducted by the prosecutor's office
  • The statement of the personnel who committed the crime taken before the prosecutor's office and/or in writing and signed
  • Witness statement minutes
  • Documents regarding the bonuses, bonuses etc. earned by the personnel who committed the crime from the date of employment to the date of the incident
  • Accounting records and documents indicating the amount embezzled
  • Document / notice indicating that the personnel who committed the crime was dismissed from work
  • Documents and information regarding the deductions made as a deduction from the personnel who committed the crime based on the damage and/or the amount received in cash/account.
  • The above documents are standard, additional documents may be requested depending on the nature of the damage.