Turkey Launches Alo 193 for Streamlined Traffic Accident Insurance Claims

Ender Öztürk

September 1, 2026

On September 1, 2026, the Insurance and Private Pension Regulation and Supervision Agency (SEDDK) officially launched the Alo 193 Joint Damage Reporting Center in Turkey. This new national system aims to simplify the complex post-accident insurance process by centralizing all damage reporting under a single digital umbrella. By dialing 193, citizens can now report traffic and motor own damage insurance claims directly, eliminating the need to contact multiple insurance companies individually. This initiative is designed to reduce bureaucratic time loss, prevent fraudulent activities by unauthorized entities, and ensure that insurance procedures are conducted with greater transparency, security, and efficiency for all involved parties.

The implementation of the Alo 193 line marks a significant digital shift in how insurance claims are managed nationwide. Once a report is submitted through this centralized channel, the SEDDK immediately forwards the relevant details to the corresponding insurance provider. During the required follow-up, company representatives must provide comprehensive information regarding repair timelines, fault percentage assessments, and expert evaluations. This structured communication ensures that the claimant receives vital guidance on documentation, accident reports, and vehicle damage assessments without unnecessary delays.

Technical Processes Are Being Standardized for Efficiency

Beyond simple reporting, the system serves as a protective layer for the policyholder. Should any technical disruptions or data loss occur during the submission process, the claimant is shielded from any negative consequences, such as missed deadlines. Furthermore, the platform allows citizens to file formal complaints directly with the SEDDK regarding any grievances they encounter throughout their damage recovery experience. To further support this digital transition, authorities are currently finalizing a mobile application and a web portal, which will allow for the seamless online upload of accident photographs and digital traffic reports.

Vehicle Value Depreciation Is Now Being Calculated Automatically

In a major policy update effective from July 1, 2026, the SEDDK has revolutionized how value depreciation claims are handled. Previously, claimants often had to navigate separate, cumbersome processes to recover the loss of market value for their vehicles. Under the new regulations, the assigned expert must include a depreciation calculation as an integral part of the official repair report. This change removes the need for third-party consultancy services or legal power of attorney, as the compensation process is now accelerated by the initial expert assessment.

Official Measures Are Protecting Citizens Against Fraudulent Structures

SEDDK President Davut Menteş emphasized that the agency is tackling the issue of illegal entities that exploit accident victims for profit. With approximately 1.3 million traffic accidents occurring annually in Turkey, these “damage consultants” often manipulate victims into signing over their rights. By establishing the Alo 193 line, the government aims to reach accident victims before predatory organizations can intervene. This proactive approach ensures that citizens remain connected to legitimate, state-regulated channels, thereby removing unauthorized intermediaries from the claims lifecycle.

We would like to hear your thoughts on this new centralized system. Do you believe the Alo 193 line will effectively reduce the influence of unauthorized third-party consultants and simplify your insurance experience, or do you have further concerns regarding the claim process?