Insurance Law and Compensation Claims

Insurance Law is a highly technical and complex field encompassing all stages of the insurance relationship, from policy issuance to indemnification of losses, recourse actions, and arbitration proceedings. Within this multi-actor structure—between insurance companies, agents, and insured parties—the accurate interpretation of contractual provisions (General and Special Conditions) is of critical importance.

Zengin & Aydın Law Firm provides comprehensive legal consultancy and litigation services throughout every phase of the insurance relationship. For clients seeking an insurance law attorney in İzmir, we ensure that claim files rejected or underpaid by insurance companies are pursued in the most effective manner before the Insurance Arbitration Commission or competent courts.

Our Services within the Scope of Insurance Law

Our office is experienced both in protecting the rights of individual policyholders and in meeting the corporate legal needs of companies operating within the insurance sector (agents/brokers), with particular expertise in the following areas:

1. Compensation Claims Arising from Motor Third-Party Liability and Comprehensive Insurance

Traffic accidents constitute one of the most common areas of application in insurance law. We manage application and litigation processes against insurance companies to recover material and bodily damages resulting from accidents.

Loss of Vehicle Value: Determination and recovery of the post-repair depreciation in a vehicle’s market value from the insurer of the at-fault party. The assistance of an experienced vehicle value loss attorney in İzmir is essential to counter low settlement offers and ensure full compensation of actual losses.
Bodily Injuries: In cases involving death, permanent disability, or temporary incapacity, we pursue compensation claims—such as loss of support and moral damages—based on actuarial calculations.
Property Damage and Total Loss (Total Loss / Constructive Total Loss): Accurate determination of market value in cases of heavily damaged or total loss vehicles, and recovery of unpaid indemnities.
Loss of Commercial Income: Compensation for loss of earnings suffered by commercial vehicles (taxis, minibuses, trucks, etc.) during repair periods.

2. Property and Asset Insurance (Fire, Earthquake, Theft)

In risks affecting residential, commercial, or industrial properties, policy coverage and objections to expert assessment reports are handled with particular diligence.

Residential and Commercial Package Policies: Pursuit of indemnity claims arising from fire, flood/water damage, storm, snow load, theft, and internal water damage.
Earthquake and DASK: Disputes arising from compulsory earthquake insurance (DASK) and optional earthquake coverages following seismic events.
Business Interruption and Loss of Profit: Compensation for losses arising from the suspension of business operations due to an insured event.

3. Engineering and Construction Insurance

These areas typically involve high-value losses and require specialized technical expertise.

Construction All Risks (CAR): Accidents and natural disaster damages occurring on construction sites.
Machinery Breakdown and Erection Insurance: Assessment and indemnification of technical damages within industrial machinery parks.
Electronic Equipment Insurance: Damage to medical devices and industrial electronic equipment.

4. Liability and Personal Insurance

Professional Liability: Insurance-related aspects of compensation claims arising from professional malpractice of physicians (medical malpractice), architects, engineers, or lawyers.
Employer’s Liability Insurance: Recovery, through recourse, of compensations paid by employers in connection with occupational accidents.
Life and Personal Accident Insurance: Pursuit of indemnities refused or unpaid by insurance companies in cases of death or accident.

5. Disputes Between Insurance Companies and Agents/Brokers

In addition to representing insured parties, we also provide legal consultancy in disputes arising between insurance companies and agents or brokers, including claims for commission receivables, portfolio compensation, and recourse actions stemming from agency agreements.

As Zengin & Aydın Law Firm, our objective is to protect your rights that may be obscured by the complex language of insurance policies, by relying on current legislation and Court of Cassation precedents, and to conclude the claims process as swiftly as possible with the maximum level of compensation.