Personal Injury Lawyer in Turkey
For a personal injury lawyer in Turkey, every claim is governed by written rules with fixed numbers: how long you have to file, whom you must write to before you sue, which court hears the case, and what an insurer must pay within how many days. A general description of "the process" is not enough to plan a claim, so this page gives the article numbers, the deadlines and the thresholds, because those are what decide whether a claim succeeds. In Turkey the same profession covers what is called a personal injury attorney in the United States and a solicitor or barrister in the United Kingdom: a Turkish lawyer (avukat) advises, negotiates with the insurer and appears in court.
The starting point is Article 49 of the Turkish Code of Obligations (Law No. 6098): a person who causes damage to another through fault is liable to compensate it. Around that principle sit the rules that matter in practice — Article 109 of the Highway Traffic Act (Law No. 2918) for road accidents, Article 5/A of the Turkish Commercial Code for the mandatory mediation step against insurers, Article 30 of the Insurance Act (Law No. 5684) for arbitration, and Articles 34, 40 and 48 of the Act on Private International and Procedural Law (Law No. 5718) for anything involving a foreign claimant.
Two points are worth stating at the outset, because they are the ones most often reported incorrectly. First, the widely repeated "two-year limitation period" is only the general rule; where the same act is also a criminal offence — which is the case in virtually every traffic accident causing injury — the longer criminal limitation period applies instead, and that is eight years for injury and fifteen years for a fatality. Second, a foreign national filing a claim in a Turkish court may be required to post security for costs under Article 48 of Law No. 5718, unless a reciprocity exemption applies. Both points change how a case should be planned, and both are easy to miss when a claim is being prepared from abroad.
- The limitation period is usually not two years. Where the accident also constitutes a criminal offence, the criminal limitation period governs: 8 years where a person was injured (TCC Art. 89 read with Art. 66/1-e) and 15 years where a person died (TCC Art. 85 read with Art. 66/1-d). Basis: Art. 72 of Law No. 6098 and Art. 109/2 of Law No. 2918.
- Turkish law applies to an accident that happened in Turkey, regardless of the parties' nationality (Art. 34/1 of Law No. 5718 — lex loci delicti).
- You can sue the insurer directly, not only the driver (Art. 34/4 of Law No. 5718; Art. 97 of Law No. 2918).
- A foreign-plated vehicle must be insured in Turkey. If it has no valid Turkish cover, compulsory motor liability insurance is taken out at the border on entry (Art. 91/6 of Law No. 2918); Green Card claims are handled through the Motor Insurers' Bureau of Türkiye, and bodily injury caused by an uninsured or unidentified vehicle is covered by the Guarantee Account (Art. 14/2 of Law No. 5684).
- Hospital treatment after a traffic accident is paid by the Social Security Institution, whether or not the injured person has Turkish social security (Art. 98 of Law No. 2918). Pain-and-suffering (non-pecuniary) damages are not covered by compulsory motor insurance and are claimed from the driver and the keeper.
- Two steps are mandatory before filing. A written application to the insurer, which has 15 days to answer (Art. 97 of Law No. 2918), and — where the defendant is an insurance company — mediation as a condition of the action (Art. 5/A of Law No. 6102).
- Insurance arbitration is the faster route. The arbitrator must decide within four months, and a claimant whose claim is rejected is liable for only one fifth of the scale attorney fee (Art. 30/16 and 30/17 of Law No. 5684).
- A foreign claimant may have to post security for costs (Art. 48/1 of Law No. 5718); the court grants exemption on the basis of reciprocity (Art. 48/2). Legal aid is likewise open to foreigners subject to reciprocity (Art. 334/3 of Law No. 6100).
- You do not need to stay in Turkey. A power of attorney issued at a Turkish consulate, or before a foreign notary with an apostille, is enough to have the case filed and run on your behalf.
What a Personal Injury Lawyer in Turkey Handles
A personal injury lawyer in Turkey deals with cases where a person suffers physical, psychological or financial harm because of another party's fault, negligence or unlawful conduct. The legal purpose is not only to identify who was responsible. It is to quantify the full extent of the damage — treatment already paid for, treatment still needed, income lost during recovery, earning capacity lost permanently, and the non-financial harm the injury caused — and to recover it from the party who must answer for it.
The statutory basis is Article 49 of the Turkish Code of Obligations: whoever causes damage to another by an unlawful act committed with fault must compensate that damage. Article 51 gives the judge discretion over the extent of compensation according to the circumstances and the degree of fault; Article 52 allows a reduction where the injured party's own conduct contributed to the harm. These three provisions decide most of what happens in a file.
In practice the work divides into four stages, and each has its own failure points:
| Stage | What is done | What goes wrong |
|---|---|---|
| Securing the evidence | Accident report, police or gendarmerie file, hospital records, employer's accident notification, witness details, camera footage | Camera footage is overwritten within weeks; the accident report records fault provisionally and is often corrected later only if challenged |
| Establishing the loss | Permanent disability rating, treatment cost documentation, proof of income, actuarial calculation of lost earning capacity | A claim built on receipts alone; loss of earning capacity is frequently the largest head of damage and the one most often omitted |
| Procedural conditions | Written application to the insurer; mediation where the defendant is an insurance company; choice between court and arbitration | Filing without the mandatory step — the action is dismissed on procedural grounds without any examination of the merits |
| The claim itself | Court action or arbitration application, expert reports, interest, enforcement of the award | Claiming a fixed figure too early where the medical position is still developing |
Not every file needs all four. A straightforward soft-tissue injury with an undisputed accident report and a cooperative insurer can be resolved at stage three. A spinal injury with a disputed disability rating and a contested fault assessment will occupy all four for a considerable time.
Types of Personal Injury Claims and the Law Behind Each
Turkish law does not treat all injury claims under one regime. The category a case falls into determines the limitation period, the competent court, whether mediation is mandatory, and who can be sued. Identifying the category is therefore the first step in any assessment.
| Type of claim | Legal basis | Limitation period | Distinctive feature |
|---|---|---|---|
| Road traffic accident | Law No. 2918 Art. 85, 91, 97, 99, 109 | 2 / 10 years, but the criminal period applies where longer (Art. 109/2) | The insurer can be sued directly; a written application to the insurer is a condition of the action |
| Workplace accident | Law No. 6098 Art. 417; Law No. 6331; Law No. 5510 | 10 years (Art. 146 of Law No. 6098), the claim being contractual in nature | Heard by the labour court; mediation is not a condition of the action for compensation arising from a workplace accident (Art. 3/3 of Law No. 7036) |
| Medical negligence | Law No. 6098 Art. 49 and 502 et seq.; Law No. 6502 Art. 73; Law No. 2577 Art. 13 | Depends on whether the relationship is contractual or tortious; the criminal period may apply. Against a public body: application within 1 year of learning of the damage and in any event 5 years (Art. 13 of Law No. 2577) | Against a public hospital the claim is administrative and goes to the administrative court; against a private hospital or private doctor it goes to the consumer court, where mediation is in principle a condition of the action |
| Fatal accident | Law No. 6098 Art. 53 and 56 | 15 years where the act constitutes negligent homicide (Art. 85 of the Criminal Code read with Art. 66/1-d) | Dependants have their own independent claim for loss of support; relatives may claim non-pecuniary damages in their own right |
| Defective premises / falling objects | Law No. 6098 Art. 69 and 70 | 2 / 10 years; the longer criminal period applies where the injury also amounts to negligent injury (Art. 72/1) | Strict liability of the building owner — fault does not have to be proved |
| Injury caused by an animal | Law No. 6098 Art. 67 | 2 / 10 years; the longer criminal period applies where the injury also amounts to negligent injury (Art. 72/1) | The keeper is liable unless able to prove that all reasonable care was taken |
A distinction that is frequently blurred. A claim against a public hospital or a public authority follows the administrative route: a preliminary application to the authority under Article 13 of Law No. 2577, and then an action before the administrative court within the periods laid down there. A claim against a private hospital or a doctor in private practice is a different matter: the Court of Cassation treats the patient's relationship with a private hospital as a consumer transaction (a mandate contract), so the claim is heard by the consumer court under Article 73 of Law No. 6502, and — for claims outside the jurisdiction of the consumer arbitration committees — applying to a mediator first is a condition of the action under Article 73/A. One point surprises many patients: the hospitals of foundation universities are treated as public bodies, and claims against them go to the administrative court like those against state hospitals (Court of Cassation, Assembly of Civil Chambers, E.2014/566 K.2015/1339). Describing "medical negligence claims in Turkey" as a single procedure therefore leaves out most of what decides the outcome — and this matters for the many foreign patients who come to Turkey for dental, cosmetic or hair transplant treatment.
Car Accident Lawyer in Turkey and How Car Accident Claims Work
A car accident lawyer in Turkey handles the most common kind of personal injury file in the country: road traffic accidents account for the majority of injury claims, and they are the only category with a complete statutory framework of their own. If you were injured as a driver, passenger, pedestrian, cyclist or motorcyclist, the rules below apply to you directly — whether the other vehicle was a private car, a taxi, a coach, a hire car or a truck.
Every motor vehicle in Turkey must carry compulsory motor third party liability insurance (Article 91/1 of Law No. 2918). The obligation is not limited to Turkish-registered vehicles: under Article 91/6, where a foreign-plated vehicle has no insurance valid in Turkey, compulsory liability cover must be taken out at the border when it enters the country. Vehicles travelling under a Green Card are dealt with through the Motor Insurers' Bureau of Türkiye, whose payments are backed by the Guarantee Account (Article 14/2-d of Law No. 5684), and if a foreign vehicle turns out to have no valid cover at all, bodily injury is still covered by the Guarantee Account as for any uninsured vehicle. The practical consequence matters for anyone injured by a tourist's or a foreign carrier's vehicle — "the car had foreign plates" does not, by itself, leave the injured person without someone to claim against.
The injured party has more than one route, and they are not mutually exclusive:
- Against the insurer of the vehicle at fault, up to the policy limits. This is the primary route and does not require the driver to be sued.
- Against the driver, the keeper (işleten) and, where applicable, the operator, for any loss exceeding the policy limits. Under Article 85 of Law No. 2918 the keeper's liability is strict — fault does not have to be proved.
- Against the Guarantee Account (Güvence Hesabı), where the vehicle is uninsured, cannot be identified, was stolen, or the insurer has lost its licences in all branches or gone bankrupt (Article 14/2 of Law No. 5684). A hit-and-run is precisely the case this account exists for. For uninsured and unidentified vehicles the account covers bodily injury only, and only up to the compulsory insurance limits. (The account used to be regulated in Article 108 of Law No. 2918; that article was repealed in 2007 by Article 45 of Law No. 5684, and references to it on older pages are out of date.)
Two items are deliberately left out of the insurer's column. Hospital treatment given after a traffic accident — at university, state or private hospitals — is paid by the Social Security Institution regardless of whether the injured person has Turkish social security (Article 98 of Law No. 2918), and once the insurers transfer the share of premiums the law requires, their liability for those treatment costs ends. Treatment costs that the Institution does not cover, and carer costs, can still be claimed under the policy. Non-pecuniary damages — compensation for pain and suffering — fall outside compulsory motor insurance altogether (Article 92/f of Law No. 2918) and outside the Guarantee Account, so they are claimed from the driver and the keeper.
Fault is assessed by expert examination, but the accident report prepared at the scene sets the initial position and is frequently the document that decides the case. Where the report is incomplete — no sketch, no measurement, the pedestrian's position not recorded — that gap is very difficult to fill afterwards.
Passengers are not affected by the driver's fault. A passenger injured in the vehicle at fault still has a claim, both against that vehicle's compulsory insurance and against its keeper. The same applies to a family member travelling in the car driven by a relative. Contributory negligence under Article 52 of Law No. 6098 may be raised — for example failure to wear a seatbelt — but it reduces the award; it does not extinguish the claim.
Pedestrian and cyclist accidents in Turkey
A pedestrian hit by a vehicle does not have to prove that the driver was at fault. The keeper's liability under Article 85/1 of Law No. 2918 is strict, so the starting point is that the pedestrian is compensated. The keeper escapes liability entirely only by proving that the accident was caused by force majeure or by the gross fault of the injured person or a third party, without fault on the driver's side (Article 86/1); ordinary fault on the pedestrian's part — crossing outside a marked crossing, for example — leads to a reduction under Article 86/2 and Article 52 of Law No. 6098, not to the loss of the claim. The list of "primary fault" situations in Article 84 is addressed to drivers only; the traffic rules for pedestrians in Article 68 carry administrative fines. Where two vehicles are involved, Article 88/1 makes everyone liable to the injured third party jointly and severally: a driver found 25 per cent at fault can be required to pay the pedestrian's whole loss and recover the rest from the other side afterwards.
Hit-and-run accidents
When the vehicle drives off and cannot be identified, the claim for bodily injury goes to the Guarantee Account (Article 14/2-a of Law No. 5684), up to the compulsory insurance limits. The account needs the police or gendarmerie record of the accident and the medical records showing the injury; the absence of a registration number is precisely what it exists to cover. Leaving the scene is also an offence in itself: since the amendment of 12 February 2026 a driver who leaves the scene of an accident causing death or injury faces imprisonment of one to three years in addition to a fine (Article 81/3 of Law No. 2918), and if the driver is later identified, the claim for anything above the account's limit, and for pain and suffering, is pursued against the driver and the keeper.
Workplace Injuries, Slip and Fall and Hotel Accidents in Turkey
Personal injury in Turkey is not only a traffic matter. Three other situations come up repeatedly, especially for foreign residents and visitors, and each follows a different set of rules.
Is there workers' compensation in Turkey?
There is no separate "workers' compensation" scheme of the American kind. Its function is shared between two systems that run side by side. The first is the work accident insurance operated by the Social Security Institution under Law No. 5510: an employee registered with the Institution receives a temporary incapacity allowance for every day of incapacity after a work accident, with no waiting days and no minimum premium period (Article 18), and a permanent incapacity income once the loss of earning capacity reaches 10 per cent (Article 19), the rate being fixed by the Institution's own health board. The second is the civil claim against the employer, who must take every measure required for occupational health and safety (Article 417 of Law No. 6098; Law No. 6331). That claim is contractual, so the limitation period is ten years; it is heard by the labour court, which may be the court of the place of the accident or of the injured worker's own domicile (Article 6/3 of Law No. 7036), and it is expressly excluded from mandatory mediation (Article 3/3). Benefits paid by the Institution that it can recover from the employer are deducted from the civil award; the rest is not.
Who is liable for a slip and fall in Turkey?
It depends on where the fall happened. In a building, the owner is strictly liable for damage caused by defective construction or inadequate maintenance (Article 69 of Law No. 6098) — fault does not have to be proved, only the defect and the causal link. On a public pavement, a road or in a park, the responsible body is usually the municipality: the claim is a full-remedy action against the administration, which starts with an application to the municipality within one year of learning of the damage and in any event within five years (Article 13 of Law No. 2577), and then goes to the administrative court. In a shop, shopping centre or other business premises, the operator is liable for its own fault and, under Article 66 of Law No. 6098, for its employees unless it proves that it took all due care. Photographs of the exact spot, the weather and lighting, and the names of witnesses are worth more in a fall case than in almost any other.
Injuries at hotels, pools and on tours
A guest injured at a hotel — a fall by the pool, a defective balcony or lift, food poisoning — usually has a contractual claim against the hotel operator in addition to any claim in tort, and the operator answers for the staff and contractors it uses to perform the contract. Where the stay was bought as a package, the tour organiser is also a party to the contract, and under Article 51/3 of Law No. 6502 an intermediary is liable as the organiser where the organiser has no representative in Turkey. A foreign guest is not required to sue only in his or her home country: Turkish courts have jurisdiction over an injury that happened in Turkey (Article 16 of Law No. 6100 and Article 40 of Law No. 5718), and the evidence — the hotel's incident report, CCTV, the on-site doctor's notes — is in Turkey and is best secured there, quickly.
Which Law Applies When a Foreigner Is Injured in Turkey?
This is the first question a foreign client asks, and the answer is given by a single provision. Under Article 34/1 of Law No. 5718 (the Act on Private International and Procedural Law), obligations arising from a tort are governed by the law of the country where the tort was committed. An accident that happened in Turkey is therefore governed by Turkish law — the nationality of the injured person, the nationality of the driver and the country where the vehicle is registered do not change that.
Three refinements of the same article matter in practice:
- Article 34/2: where the place of the act and the place where the damage occurred are in different countries, the law of the country where the damage occurred applies.
- Article 34/3: where the relationship is more closely connected with another country, that country's law may apply instead. This is the exception, and it is argued rather than assumed.
- Article 34/4: where the law applicable to the tort or to the insurance contract permits it, the injured party may bring the claim directly against the insurer. Turkish law does permit it, which is why the direct action against the insurance company described above is available.
Article 40 completes the picture for jurisdiction: the international jurisdiction of Turkish courts is determined by the domestic rules on territorial jurisdiction. In other words, if a Turkish court would have territorial jurisdiction under the Code of Civil Procedure, it also has international jurisdiction over a case with a foreign element.
One further option is rarely used but worth knowing: under Article 34/5 the parties may expressly choose the applicable law after the tort has occurred. In practice this arises only in negotiated settlements between parties from the same country; a Turkish insurer will not agree to a foreign law, and without an express choice Turkish law governs.
What Are the Legal Rights of Foreigners After a Traffic Accident in Turkey?
A foreigner injured in a traffic accident in Turkey has the same substantive rights as a Turkish citizen. Nationality affects procedure — security for costs, legal aid, documents from abroad — but not what can be claimed or from whom. The table brings together the rights that matter in the first weeks after an accident.
| Right | What it means in practice | Basis |
|---|---|---|
| Claim under Turkish law | Compensation for treatment, lost earnings, permanent loss of earning capacity and pain and suffering, on the same terms as a Turkish citizen | Art. 34/1 of Law No. 5718; Art. 49-56 of Law No. 6098 |
| Hospital treatment paid by the state | Treatment costs after a traffic accident are met by the Social Security Institution whether or not you are insured in Turkey | Art. 98 of Law No. 2918 |
| Direct claim against the insurer | You may claim from the at-fault vehicle's compulsory insurer without suing the driver; written application first, reply within 15 days | Art. 34/4 of Law No. 5718; Art. 97 of Law No. 2918 |
| Cover when the vehicle is uninsured, unknown or foreign | Guarantee Account for bodily injury; Green Card claims through the Motor Insurers' Bureau of Türkiye | Art. 14/2 of Law No. 5684; Art. 91/6 of Law No. 2918 |
| An interpreter in the criminal file | A victim who does not speak Turkish well enough is entitled to an interpreter, at the investigation stage as well as at the hearing | Art. 202/1 and 202/3 of Law No. 5271 |
| Time to act | 8 years for injury and 15 years for a death where the accident is also a criminal offence; a complaint for negligent injury within 6 months | Art. 72/1 of Law No. 6098; Art. 66 and 73/1 of Law No. 5237 |
| Running the case from abroad | A power of attorney from a Turkish consulate, or from a foreign notary with an apostille, is enough | 1961 Hague Apostille Convention |
| Legal aid | Available to foreigners on condition of reciprocity; it also covers exemption from security for costs | Art. 334/3 and 335/1-b of Law No. 6100 |
Two practical points follow from the table. First, nobody should pay a hospital bill after a traffic accident on the assumption that it will later be recovered from the insurer: the treatment cost belongs to the Social Security Institution's system, and the insurer's liability for it has ended. Second, the rights in the criminal file are as important as those in the civil claim, because that file produces most of the evidence — and, as the next section explains, it is also where a claim can be lost by a single signature.
What Happens in the Criminal File After an Injury Accident?
An accident that injures someone through negligence is also the offence of negligent injury under Article 89 of the Turkish Criminal Code, and a death is negligent homicide under Article 85. The police or gendarmerie take statements, the public prosecutor opens an investigation, and the criminal file and the compensation claim then run separately. The criminal court's finding on fault does not bind the civil judge (Article 74 of Law No. 6098), but the accident report, the statements and the forensic report produced in the criminal file are the backbone of the civil claim.
- Negligent injury is in principle prosecuted on complaint (Article 89/5). The complaint must be made within six months of learning of the act and the identity of the person responsible (Article 73/1). Only where the act was committed with conscious negligence and the injury goes beyond the simple level in Article 89/1 is no complaint required.
- Withdrawing the complaint can end the civil claim as well. Withdrawal ends the prosecution, but if the person withdrawing also declares that they waive their personal rights, they can no longer bring a civil action (Article 73/7). A sentence such as "I have no claims or demands" — a standard phrase in Turkish statements — has exactly that effect. A foreign victim asked to sign a statement in Turkish should not sign it without knowing what it says, and the withdrawal should expressly reserve personal rights.
- Reconciliation (uzlaştırma) must be attempted in every negligent injury file, whether or not the offence is prosecuted on complaint (Article 253/1 of Law No. 5271), and a reconciliation agreement automatically ends the right to compensation for the damage it covers, except damage that could not be identified at the time of the agreement or appears afterwards (Article 253/19 of Law No. 5271). An amount agreed in reconciliation shortly after the accident, while the disability rating is unknown, is therefore final for everything it covers.
- The language of the proceedings is Turkish, and a victim who does not understand it is entitled to an interpreter appointed by the prosecutor or the judge (Article 202 of Law No. 5271).
The same act also determines the limitation period for the compensation claim. Because negligent injury and negligent homicide are criminal offences, the longer criminal limitation period applies to the civil claim too, whether or not the prosecution goes ahead, and a withdrawn complaint does not shorten it.
How Long Do You Have to File a Personal Injury Claim in Turkey?
Many pages on this subject state that a personal injury claim in Turkey must be brought within two years. That is the general rule, and in a case involving physical injury caused by a road accident it is usually not the applicable one: the time limit for most injury claims is eight years, and fifteen years where someone died.
Article 72/1 of Law No. 6098 sets the general rule: two years from the date the injured party learns of the damage and of the person liable, and in any event ten years from the date of the act. The same paragraph then adds the sentence that changes the outcome: "However, if the compensation arises from an act requiring punishment for which the criminal laws provide a longer limitation period, that period shall apply." Article 109/2 of Law No. 2918 repeats the rule for pecuniary claims arising from traffic accidents; claims for pain and suffering reach the same result through Article 72 of Law No. 6098, to which Article 109 refers for all other matters.
So the question becomes: what is the criminal limitation period? Article 66 of the Turkish Criminal Code ties it to the maximum sentence for the offence:
| What happened | Offence and sentence | Criminal limitation | Period that governs the compensation claim |
|---|---|---|---|
| A person was injured | Negligent injury — TCC Art. 89/1, 4 months to 2 years | Art. 66/1-e → 8 years | 8 years |
| Injury with a listed aggravating result (bone fracture, permanent weakening of an organ, permanent scarring on the face, life-threatening condition) | TCC Art. 89/2 — sentence increased by half, remaining under 5 years | Art. 66/1-e → 8 years | 8 years |
| A person died | Negligent homicide — TCC Art. 85/1, 2 to 6 years | Art. 66/1-d → 15 years | 15 years |
| More than one person died, or death together with injury | TCC Art. 85/2, 2 to 15 years | Art. 66/1-d → 15 years | 15 years |
| Workplace accident — claim against the employer | Contractual claim | — | 10 years (Art. 146 of Law No. 6098) |
| No criminal offence involved (for example a purely civil dispute over defective premises) | — | — | 2 years / 10 years (Art. 72/1 of Law No. 6098) |
Two further rules attach to the traffic accident regime and are worth knowing. Under Article 109/3 of Law No. 2918, interruption of the limitation period against the person liable also interrupts it against the insurer, and vice versa — so an action or an arbitration application against the insurer protects the position against the driver as well. The written application to the insurer required by Article 97 is a different thing: it is a condition of the action, but it is not one of the acts that interrupt limitation under Article 154 of Law No. 6098, so it does not stop the clock. And under Article 109/4, the mutual right of recourse between those liable is subject to its own two-year period, running from the day the person claiming recourse has fully performed their own obligation and learned against whom recourse lies.
This is not a reason to wait. A longer limitation period preserves the right to sue; it does not preserve the evidence. Camera recordings are overwritten, witnesses become unreachable, and the causal link between the accident and a condition diagnosed years later becomes progressively harder to establish. The point of the rule is different: someone told two years ago that "the deadline has passed" may well still have a valid claim, and that position should be checked rather than assumed.
Who Actually Pays the Compensation After an Accident in Turkey?
The compensation is paid by the insurer up to the policy limits, by the keeper and the driver for anything above them, and by the Guarantee Account where there is no identifiable insurer. Identifying the correct defendant is not a formality. Suing the wrong party costs time and, where the limitation period is close to expiry, can cost the claim itself.
| Situation | Who answers for it | Basis | Limit |
|---|---|---|---|
| Insured vehicle at fault, injury within policy limits | The insurer, directly | Art. 91 and 97 of Law No. 2918; Art. 34/4 of Law No. 5718 | The bodily injury cover stated in the policy, per person |
| Loss exceeding the policy limits | The keeper and the driver, jointly | Art. 85 of Law No. 2918 (strict liability of the keeper) | Unlimited — the full proven loss |
| Vehicle uninsured | The Guarantee Account for bodily injury, and the keeper and driver for everything else | Art. 14/2-b of Law No. 5684; Art. 85 of Law No. 2918 | Compulsory insurance limits (account); unlimited (keeper and driver) |
| Hit and run — vehicle not identified | The Guarantee Account | Art. 14/2-a of Law No. 5684 | Bodily injury, up to the compulsory insurance limits |
| Foreign-plated vehicle | Its Turkish-valid cover, the policy taken out at the border, or — under a Green Card — the Motor Insurers' Bureau of Türkiye | Art. 91/6 of Law No. 2918; Art. 14/2-d of Law No. 5684 | Compulsory insurance limits |
| Hospital treatment after a traffic accident | The Social Security Institution, regardless of the injured person's social security status | Art. 98 of Law No. 2918 | Under the Institution's reimbursement rules; uncovered costs and carer costs remain claimable from the insurer |
| Pain and suffering (non-pecuniary damages) | The keeper and the driver — not the compulsory insurer or the Guarantee Account; a voluntary excess liability policy, if the vehicle has one, may include non-pecuniary cover | Art. 56 of Law No. 6098; Art. 92/f of Law No. 2918 | Set by the judge |
| Injury at work | The employer; social security benefits are paid separately by the institution | Art. 417 of Law No. 6098; Law No. 5510 | Unlimited, less the benefits already paid |
Social security benefits are handled with more care than is usually assumed. Article 55/1 of Law No. 6098 provides that benefits which cannot be recovered from the person liable — in whole or in part — may not be taken into account when the loss is assessed and may not be deducted from the award. Where the institution does hold a right of recourse, the position is different: that benefit is set off, and the institution pursues the person liable itself. Treating every payment received from the social security institution as an automatic deduction understates the claim.
The Two Steps You Must Complete Before Filing
Turkish procedure places two conditions in front of a personal injury action, and neither is discretionary. Filing without them does not weaken the case — it ends it, because the court dismisses the action on procedural grounds without examining whether the claim was good.
Written application to the insurer (Article 97 of Law No. 2918)
Before going to court, the injured party must apply in writing to the insurance company concerned, within the limits of the compulsory motor liability policy. The insurer then has 15 days to answer in writing. If it does not answer, or answers in a way that does not meet the claim, the injured party may either bring an action or apply to insurance arbitration under Law No. 5684.
Since 1 September 2026 there is a common channel for these applications. Under Circular 2026/22 of the Insurance and Private Pension Regulation and Supervision Agency, claims under motor insurance policies — including bodily injury claims — can be lodged through the Joint Claims Notification Centre (Ortak Hasar İhbar Merkezi, OHİM) run by the Insurance Information and Monitoring Centre, or by telephone on the Alo 193 line. The channel is in addition to the insurer's own branches, not a replacement for them. Two features matter for the deadlines: an application is treated as made to the insurer at the date and time it reaches the Centre's database, and system outages or technical delays may not be counted against the applicant. Claims that belong to the Guarantee Account or, for a foreign vehicle without valid cover, to the Motor Insurers' Bureau are routed there directly. Whichever route is used, keep the reference number and proof of delivery — they show when the 15-day period started.
The corresponding obligation on the insurer is in Article 99: once the claimant has delivered the documents specified in the general conditions to the insurer's head office or one of its branches, the insurer must pay the amounts falling within the compulsory policy limits within eight working days.
Mediation where the defendant is an insurance company (Article 5/A of Law No. 6102)
A claim against an insurance company is a commercial claim. Under Article 5/A of the Turkish Commercial Code, in commercial actions for a sum of money — claims for payment, compensation, objection to enforcement, negative declaratory relief and restitution — applying to a mediator before filing is a condition of the action. The mediator must conclude the process within six weeks of appointment, extendable by a maximum of two further weeks.
| Defendant | Written application to insurer | Mandatory mediation | Competent court |
|---|---|---|---|
| Insurance company | Yes — Art. 97 of Law No. 2918 | Yes — Art. 5/A of Law No. 6102 | Commercial court of first instance |
| Driver / keeper (natural person) | Not applicable | No | Civil court of first instance |
| Employer, after a workplace accident | Not applicable | No — Art. 3/3 of Law No. 7036 | Labour court |
| Public hospital or public authority | Preliminary application to the authority — Art. 13 of Law No. 2577 | No | Administrative court |
| Private hospital or physician in private practice | Not applicable | Yes, for claims outside the consumer arbitration committees' jurisdiction — Art. 73/A of Law No. 6502 (three weeks, extendable by one) | Consumer court |
| Foundation university hospital | Preliminary application to the university — Art. 13 of Law No. 2577 | No | Administrative court |
A frequent and expensive error. Compensation arising from a workplace accident is often assumed to require mediation because most employment disputes do. It does not: Article 3/3 of Law No. 7036 excludes claims for material and non-pecuniary damages arising from a workplace accident or occupational disease, and the related recourse claims, from the mediation requirement. Conversely, an action against an insurer is routinely filed without mediation on the assumption that it is an "insurance" rather than a "commercial" matter. Both errors cost several months.
When Is Insurance Arbitration the Better Route Than Court?
Insurance arbitration is usually the better route when the dispute is only with the insurer and the claim falls within the policy limits: it is faster, and a claimant who loses carries a much smaller cost risk. It is an alternative to the courts that foreign claimants are often not told about: the Insurance Arbitration Commission, established under Article 30 of Law No. 5684 within the Insurance, Reinsurance and Pension Companies Association of Türkiye.
Access does not depend on the insurer having agreed to arbitration. A person in dispute with a company that is a member of the arbitration system may use it even where the policy contains no arbitration clause, and — for disputes arising from insurance that legislation makes compulsory, which includes motor third party liability — the right exists even if the company is not a member.
The mechanics are set out in the same article and they are what make the route attractive:
- Precondition (Art. 30/13): the applicant must have applied to the insurer and be able to document that the claim was rejected in whole or in part. If the insurer does not reply in writing within 15 working days, that is itself sufficient to apply. For compulsory motor insurance the shorter special period in Article 97 of Law No. 2918 applies — 15 days — and the Commission's own guidance states the same distinction. Under a 2026 circular of the supervisory agency, however, silence is not treated as a refusal where an expert was appointed in time and the report could not be completed for reasons not attributable to the insurer.
- Speed (Art. 30/16): the arbitrator must decide within four months of appointment, failing which the dispute passes to the competent court. The period can be extended only by the express written consent of both parties.
- Cost exposure (Art. 30/17): where the claim is rejected in whole or in part, the attorney fee awarded against the applicant is one fifth of the fee in the Minimum Attorney Fee Tariff. This single provision is the reason arbitration is often the rational first move: the downside is capped at a fifth of what a court would award against a losing claimant.
- Not available (Art. 30/14): where the same dispute has already been taken to a court or to a consumer arbitration committee — "taken to", not "decided by", so a pending action also closes the route. Since the 2023 amendment of the Commission's regulation, the same applies where enforcement proceedings have been started for the same claim.
Awards below a monetary threshold are final; above it, a single objection may be made to the Commission within ten days of notification, and above a further threshold the decision may be appealed to the Court of Cassation. The thresholds are not the figures written into the text of the Law — five thousand, fifteen thousand and forty thousand Turkish lira — which Article 30/22 allows to be raised in line with the producer price index. The amounts applicable in 2026 were set by the supervisory agency's decision of 14 January 2026, in force from 22 January 2026:
| Threshold (2026) | Amount | Effect |
|---|---|---|
| Objection | 35,000 TL | Awards up to this amount are final; above it, an objection may be made within 10 days |
| Panel of arbitrators | 122,000 TL | Disputes above this amount are heard by a panel rather than a single arbitrator |
| Appeal to the Court of Cassation | 383,000 TL | Decisions on objection above this amount may be appealed |
Since March 2026 the threshold is determined by reference to the date of the application, not the date of the award, so a long-running file is no longer pushed across a threshold by the passage of time. There is no upper limit on the amount that can be claimed in arbitration; the thresholds only decide the composition of the tribunal and the routes of challenge. The amounts are revised, so the figure in force on the date of application should always be checked.
What Compensation Can Be Claimed and How It Is Calculated
Turkish law divides the claim into pecuniary and non-pecuniary damages, and it lists the heads of each. This is not a matter of practice or convention — the heads are written into the Code.
| Head of damage | Basis | What it covers |
|---|---|---|
| Treatment costs | Art. 54/1 of Law No. 6098 | Costs already incurred and the cost of treatment still required, including rehabilitation and prosthetics. After a traffic accident, hospital treatment is paid by the Social Security Institution (Art. 98 of Law No. 2918); what remains is the cost it does not cover and carer costs |
| Loss of earnings | Art. 54/2 | Income lost during the period of incapacity |
| Loss of earning capacity | Art. 54/3 | The permanent reduction in the ability to work, calculated actuarially over the remaining working life. Usually the largest head in a serious injury case |
| Damage to economic future | Art. 54/4 | Loss that does not show up as a disability percentage — restricted career options, visible scarring in an occupation where appearance matters, loss of a specific professional capability |
| Non-pecuniary damages | Art. 56 | Pain, suffering and reduced quality of life. In cases of serious bodily harm or death, close relatives have their own claim. Not covered by compulsory motor insurance (Art. 92/f of Law No. 2918) |
| Loss of support (fatal cases) | Art. 53/3 | The independent claim of those who were supported by the deceased. Funeral costs and any treatment costs before death fall under Art. 53/1 and 53/2 |
Article 55 governs how these are calculated: loss of support and bodily damage are assessed according to the Code and the principles of liability law, and the resulting figure may not be increased or decreased on grounds of equity once calculated. That constraint is what makes the calculation method decisive.
Two technical points that change the figure substantially
The mortality table and the discount rate. The remaining-life expectation used in Turkish actuarial calculations is taken from the TRH 2010 table. For the future period, the established approach applies a progressive annuity — a ten per cent uplift and a ten per cent discount — without applying the 1.8 per cent technical interest rate that older reports use. The basis for that technical rate fell away when the Constitutional Court annulled the reference to the general conditions in Article 90 of Law No. 2918 (decision of 17 July 2020, published on 9 October 2020), because the rate derived from tables annexed to those conditions. Reports still built on a 1.8 per cent technical rate produce materially lower figures over a long active period, and the presence of that rate in an expert report is in itself a ground for objection — the Court of Cassation's 4th Civil Chamber has reversed awards for exactly that reason (E.2022/7085 K.2024/4433, 8 May 2024). The position was settled further on 1 July 2026, when the annexes to the General Conditions of compulsory motor insurance that prescribed the TRH 2010 table and the 1.8 per cent rate were repealed (Official Gazette of 12 June 2026). The conditions now refer the calculation of disability and loss of support directly to the tort rules of Law No. 6098, so no insurance regulation prescribes a table or a discount rate any longer. Because the general conditions apply as at the date of the accident, files concerning earlier accidents will still meet the old annexes in argument for some time. The age used is the claimant's age on the date of the accident, not on the date of the report.
Claiming when the final figure is not yet known. This is the practical problem in every serious injury case: the permanent disability rating is not established until treatment stabilises, so the claim cannot be quantified when the limitation period is running. The procedural answer changed very recently. Article 107 of Law No. 6100, which allowed an action for an indeterminate claim, was repealed on 31 July 2026 by Article 19 of Law No. 7589. In its place, Article 20 of the same Law added a fourth paragraph to Article 109: in a partial action, the claim may be increased once, free of the prohibition on extending the claim, at any time until the conclusion of the investigation phase — and the limitation period is deemed interrupted from the date of the action for the increased part as well.
Which regime applies to your case is decided by the date the action was filed, not the date of the accident. Under the transitional provision, the repealed Article 107 continues to apply to actions filed before the date of repeal. For anything filed from 31 July 2026 onwards, the partial action with a single increase is the route. Separately — and on a different test — the interest amendments made to Article 55 of Law No. 6098 by the same Law apply only to events occurring after they entered into force. So in one and the same file, the procedural question turns on the date of filing while the interest question turns on the date of the accident.
What the interest amendment says is worth knowing for accidents from 31 July 2026 onwards. For loss of earning capacity and loss of support, statutory interest on the part of the award relating to the period for which the claimant's earnings are known runs from the date of the accident, while interest on the part relating to the future period, for which earnings are not known, runs from the date of the judgment. Payments made by way of performance before the investigation phase begins are set off proportionally, according to the date on which they were made. Neither rule applies to pain and suffering, where interest continues to run from the date of the accident.
How much is pain and suffering compensation in Turkey?
There is no scale or table for pain and suffering in Turkish law. Article 56 of Law No. 6098 leaves the amount to the judge, who considers the seriousness of the injury, its lasting effects, the degree of fault on each side, the age and circumstances of the injured person and the economic conditions at the time of the judgment. In cases of serious bodily harm or death, close relatives — spouse, children, parents, and in some cases siblings — have a claim of their own. Two features often surprise claimants from common law countries. First, Turkish law does not award punitive damages: the award compensates, it does not punish, and it is not meant to enrich. Second, compulsory motor insurance does not cover it (Article 92/f of Law No. 2918), so the claim for pain and suffering is brought against the driver and the keeper even where everything else is paid by the insurer. Psychological injury — post-traumatic stress, anxiety, depression after an accident — can be part of both claims: as non-pecuniary harm, and, where a psychiatric board assesses a lasting loss of function, as part of the disability rating.
How Liability and Injury Are Proven
Article 50 of Law No. 6098 places the burden on the injured party to prove both the damage and the fault of the person who caused it. The same article then adds an important qualification: where the precise amount of the loss cannot be proved, the judge determines it fairly, having regard to the ordinary course of events and the measures taken by the injured party. The burden is therefore real, but it is not a requirement of arithmetical certainty.
Two categories reverse or soften that burden and are worth identifying early:
- Strict liability of the vehicle keeper (Art. 85 of Law No. 2918) — fault does not have to be proved; the keeper answers for the damage caused by the vehicle's operation.
- Liability of the building owner (Art. 69 of Law No. 6098) — the owner is liable for damage caused by defective construction or inadequate maintenance, again without proof of fault.
- Liability for animals (Art. 67) and liability of the employer for employees (Art. 66) — the defendant escapes liability only by proving that all due care was taken. The burden is on the defendant, not on the injured person.
In road traffic cases the assessment of fault is carried out by expert examination and forms the backbone of the file. In workplace cases it centres on safety measures, supervision, training and equipment. In medical cases it turns on whether the treatment followed accepted standards, whether informed consent was properly obtained, and whether the harm was avoidable.
Medical Reports and the Disability Rating
In an injury claim the medical evidence does two separate jobs, and they are often confused. One is to establish the causal link between the event and the condition. The other is to fix a permanent disability percentage, which is the multiplier in the actuarial calculation.
Two distinctions are worth stating plainly, because they are the source of most misunderstanding:
- The forensic "degree" of an injury is a criminal law concept, not a compensation multiplier. The classification used in criminal proceedings to grade the severity of an injury has no direct arithmetical relationship to the compensation figure. What drives the civil calculation is the permanent disability percentage.
- Which report applies depends on the kind of accident. After a traffic accident or any other injury that is not a work accident, the rating is fixed under the Regulation on Disability Assessment for Adults (Official Gazette of 20 February 2019): a "medical board report on condition related to terror, accident and injury" states the disability percentage, combining several impairments by the Balthazard method. Such a report is requested by an institution — in practice the court, the arbitrator or the insurer — by official letter, not by the injured person on a petition. In court, the Court of Cassation expects the rating to come from the Council of Forensic Medicine or a university forensic medicine department, after the claimant has been examined in person, and contradictory reports must be reconciled before judgment. After a work accident, the regime is different: under the Regulation on Health Reports published on 19 May 2026, the hospital report issued for the Social Security Institution does not state a rate at all, and the loss of earning capacity is decided by the Institution's health board.
Where the injury has not stabilised, fixing the rate too early works against the injured person. A report issued while treatment is still continuing is a time-limited one; the rate that matters for the actuarial calculation is the permanent one. This is precisely the situation the partial action described above is designed for.
Should You Accept the Insurer's Settlement Offer?
An insurer's settlement offer should not be accepted until the permanent disability rating is known and the offer has been compared with a calculation of the full loss. Early offers are usually built on the treatment period alone, and the release (ibraname) signed in return is drafted to close the file for good.
Turkish law gives some protection. Agreements that remove or limit the liability provided for by Law No. 2918 are void (Article 111/1), and an agreement or settlement on the amount of compensation that is clearly inadequate may be annulled within two years of the date it was made (Article 111/2). That two-year period is short, it runs from the signature rather than from the accident, and the Court of Cassation has held that a claimant who signed a release cannot rely on the longer criminal limitation period to escape it. The protection is therefore a safety net, not a strategy.
- Know the rating first. Loss of earning capacity is usually the largest head of damage, and it cannot be valued until the permanent rating is fixed.
- Read what is being released. A release that covers "all claims arising from the accident" also covers heads of damage that were never discussed.
- Payments are credited, not lost. An amount received from the insurer is deducted from the final award — for accidents from 31 July 2026, proportionally by date of payment — so accepting a payment on account does not require signing a full release.
- Only you or your lawyer can collect it. Under Additional Article 6 of Law No. 5684, a claim against an insurer or the Guarantee Account may be pursued only by the claimant personally, their legal representative, a lawyer they have instructed, or certain close relatives holding their power of attorney; it is paid only to the claimant or their lawyer, and it cannot be assigned to anyone. Offers from "claims companies" to buy or take over an injury claim conflict with that rule.
Which Court Hears the Case, and Where
Two questions arise: which type of court, and in which city. The first depends on the defendant, and is set out in the table under "The Two Steps You Must Complete Before Filing". The second is governed by Article 16 of Law No. 6100:
"In actions arising from tort, the court of the place where the tort was committed, or where the damage occurred or is likely to occur, or of the domicile of the injured party, also has jurisdiction."
The phrase that matters to a foreign claimant is the last one. In addition to the defendant's domicile (the general rule in Article 6), an injured person may sue where the accident happened, where the damage occurred, or at their own place of domicile. For a foreign national resident in Turkey, that last option is often the most practical.
For a case with a foreign element, Article 40 of Law No. 5718 completes the analysis: the international jurisdiction of Turkish courts is determined by the domestic rules on territorial jurisdiction. If Article 16 gives a Turkish court territorial jurisdiction, that court also has international jurisdiction.
Traffic accidents have one more rule of their own. Under Article 110/2 of Law No. 2918, an action for liability arising from a motor accident may be brought at the place where the insurer has a branch or where the agency that issued the policy is located, as well as at the place of the accident. For a tourist injured in Antalya or Muğla who lives abroad, this — together with the insurer's head office under Article 6 — often makes it possible to file in a large city where the insurer is established, rather than only where the accident happened. For a workplace accident, Article 6/3 of Law No. 7036 adds the worker's own domicile; a claim against a private hospital goes to the consumer court.
Finding a Personal Injury Lawyer Near You in Turkey
For an injury claim in Turkey, the lawyer does not have to be in the city where the accident happened. A Turkish lawyer registered with any bar may act before courts throughout the country, statements of claim and petitions are filed electronically through the national judicial network (UYAP), and steps that must be taken in another city — a hearing, the hearing of a witness, a site inspection — can be carried out there or through the court of that city. When choosing a personal injury lawyer in Turkey, what matters is knowledge of the rules on this page and the speed with which evidence is secured, not the address.
This office is in Çankaya, Ankara, and handles personal injury claims arising anywhere in Türkiye — including accidents in Istanbul, Antalya and the other tourist regions, where many foreign visitors are injured. For an Istanbul or Antalya personal injury claim, the questions that decide the choice of court are the ones set out above: where the accident happened, where the defendant or the insurer's branch is, and, for residents, where the injured person lives. Clients who live abroad are advised and represented on the basis of a power of attorney, without having to travel; first contact can be made by telephone or WhatsApp using the details at the end of this page.
Security for Costs for Foreign Claimants in Turkey
A foreign claimant who sues in Turkey may be ordered to provide security for the costs of the proceedings, unless an exemption based on reciprocity applies. This is the provision that most often surprises a foreign client.
Article 48/1 of Law No. 5718 provides that foreign natural and legal persons who bring an action, intervene in an action, or initiate enforcement proceedings before a Turkish court must provide security, in an amount determined by the court, to cover the costs of the proceedings and the other party's loss.
Article 48/2 provides the way out: the court exempts the claimant, intervener or enforcement applicant from security on the basis of reciprocity. Reciprocity may arise from an international convention to which both states are party or from the practice between the two states. Whether an exemption is available in a given case therefore depends on the claimant's nationality, and it is one of the first things to establish — before filing, not after an order for security has been made.
A parallel rule governs legal aid. Article 334/1 of Law No. 6100 allows a person who cannot meet the costs of proceedings without seriously affecting the livelihood of themselves and their family to apply for legal aid, provided the claim is not manifestly unfounded. Article 334/3 adds that foreigners may benefit from legal aid subject to the further condition of reciprocity. The two rules meet in Article 335/1-b: a legal aid order exempts its beneficiary from the obligation to provide security for costs, as well as giving temporary exemption from court fees and having the costs advanced by the state.
Why this matters at the planning stage. Security for costs is not a filing fee — it is an amount fixed by the court and it can be substantial in a high-value claim. If a reciprocity exemption applies, it should be raised in the statement of claim with the supporting basis, so that the question is resolved at the outset. If no exemption applies, the amount belongs in the cost estimate from the beginning, alongside the court fees and expert costs.
Running the Case From Abroad With a Power of Attorney and Apostille
A foreign client does not need to remain in Turkey while the case proceeds. What is needed is a valid power of attorney authorising a lawyer to act, and there are two ways to obtain one:
- At a Turkish consulate in your country of residence. The consulate issues the instrument in Turkish and no further authentication is required.
- Before a notary in your own country, with a Turkish translation and an apostille under the 1961 Hague Convention. Türkiye is a party to that Convention, so an apostille removes the need for consular legalisation for documents from other contracting states. For a document from a state that is not a party, consular legalisation is still required.
A power of attorney for litigation should expressly cover the acts that carry a separate authority requirement — settlement, waiver, acknowledgement, submission to arbitration, receipt of money, and the mediation process. A general instrument that omits these creates avoidable delay at exactly the point where a decision must be taken quickly.
What can be done before the power of attorney is in place is worth noting: securing the medical records, obtaining the accident report, preserving photographs and witness details, and having the file assessed. None of these requires the injured person to be in Turkey, and all of them are easier to do soon after the event than months later.
What to Keep After an Accident
Cases are decided on documents, and the documents that matter are generated in the first days. The list below is what a file should contain by the time it is assessed:
| Category | Documents | Why it matters |
|---|---|---|
| The event | Accident report, police or gendarmerie record, workplace accident notification, photographs of the scene and the vehicles, witness names and telephone numbers | Establishes how the event happened and the provisional assessment of fault |
| Medical | Emergency department record, discharge summary, imaging results and reports, prescriptions, physiotherapy records, medical board report | Establishes the causal link and, later, the disability rating |
| Financial | Hospital invoices, receipts for medication and equipment, travel costs for treatment, payslips or income records, employer's confirmation of absence | Proves treatment costs and loss of earnings |
| Insurance | Policy of the vehicle at fault, the written application to the insurer and proof of delivery, the insurer's reply or the absence of one, expert reports | Proves that the mandatory application was made and when the 15-day period started |
| Foreign element | Passport and entry stamp, residence permit if any, travel insurance policy, sworn translations, apostilled power of attorney | Establishes standing, and supports the reciprocity position on security for costs |
One practical point about time: camera recordings — municipal, commercial and residential — are overwritten within a period measured in days or weeks. A written request to preserve the footage, made early, is often the difference between a disputed fault assessment and a settled one.
How Are a Personal Injury Lawyer's Fees Set in Turkey?
A personal injury lawyer's fees in Turkey are regulated, and the regulation sets both a floor and a ceiling.
The floor is the Minimum Attorney Fee Tariff issued annually. A fee below the tariff cannot validly be agreed for the work it covers.
The ceiling is in Article 164 of the Attorneyship Act (Law No. 1136): where the fee is agreed as a percentage of what is recovered, it may not exceed twenty-five per cent of the value of the dispute. An arrangement expressed as a share of the outcome is therefore permissible in Turkey, but only within that limit. It is worth stating this clearly, because clients arriving from jurisdictions with unrestricted contingency arrangements often assume either that no such agreement is possible or that any percentage may be agreed. Neither is correct.
Separately, the fee awarded against the losing party under the tariff belongs to the winning party's lawyer. In insurance arbitration that exposure is reduced to one fifth of the tariff figure where the claim is rejected, as set out above — which is the main reason the arbitration route carries a materially lower cost risk than a court action.
The Mistakes That Weaken an Otherwise Valid Claim
- Assuming the two-year period has expired. In an accident that also constitutes a criminal offence, the applicable period is eight years for injury and fifteen for a fatality. A claim written off years ago may still be live.
- Signing a release for an early payment. A settlement signed while the medical position is still developing is very difficult to reopen — the two-year window in Article 111/2 of Law No. 2918 is narrow — and the sum offered at that stage rarely reflects loss of earning capacity.
- Signing a police statement that waives personal rights. Withdrawing a criminal complaint with the words "I have no claims" ends the civil claim too (Article 73/7 of the Criminal Code); a reconciliation agreement ends it for the damage it covers.
- Claiming pain and suffering from the insurer. Compulsory motor insurance does not cover non-pecuniary damages; that part of the claim must be directed at the driver and the keeper.
- Paying hospital bills after a traffic accident without asking how they are billed. Treatment is paid by the Social Security Institution; the insurer will not reimburse costs that fall within that system.
- Filing without the mandatory step. No written application to the insurer, or no mediation where the defendant is an insurance company, means dismissal on procedural grounds.
- Building the claim on receipts alone. Treatment costs are usually the smallest head of damage. Loss of earning capacity and damage to economic future are where the substance of a serious claim lies.
- Accepting an expert report without reading its assumptions. A calculation built on a 1.8 per cent technical rate, or on an outdated mortality table, produces a figure that is materially too low.
- Leaving the security for costs question until after filing. The reciprocity position should be established before the claim is issued, not in response to an order.
- Inconsistent accounts of the event. A description in the emergency department record that differs from the accident report is the first thing the opposing side will use.
Was your claim written off as time-barred?
If you were told that the two-year period had run out, that answer may have been based on the general rule rather than the one that actually applies. Where the accident also amounted to a criminal offence — which covers virtually every traffic accident causing injury — the governing period is eight years, or fifteen where someone died. The same applies to a workplace accident, where the period is ten years. If the accident date, the medical records and any correspondence with the insurer are available, the position can be established with reference to the file rather than to a general rule.
Frequently Asked Questions
Can a foreigner claim personal injury compensation in Turkey?
A foreigner can claim personal injury compensation in Turkey on the same terms as a Turkish citizen. An accident that happens in Turkey is governed by Turkish law regardless of the nationality of those involved (Article 34/1 of Law No. 5718), and foreign visitors, workers and patients injured through another party's fault may claim under it. Turkish courts have international jurisdiction wherever they have territorial jurisdiction under domestic rules (Article 40 of the same Law).
Is the time limit really two years?
The time limit is usually not two years but eight, or fifteen where someone died. Two years from knowledge of the damage and of the person liable, and ten years in any event, is the general rule in Article 72/1 of Law No. 6098. But the same paragraph — and Article 109/2 of Law No. 2918 for traffic accidents — provides that where the act also constitutes a criminal offence carrying a longer limitation period, that longer period applies. For negligent injury this gives eight years and for negligent homicide fifteen years (Articles 89 and 85 of the Criminal Code, read with Article 66). Compensation for a workplace accident is subject to a ten-year period as a contractual claim (Article 146 of Law No. 6098).
Do I have to be in Turkey to bring the claim?
You do not have to be in Turkey; a power of attorney is enough. It can be issued at a Turkish consulate, or before a notary in your own country with a Turkish translation and an apostille under the 1961 Hague Convention. The instrument should expressly cover settlement, waiver, receipt of money and the mediation process, since these require separate authority.
Will I have to pay security for costs as a foreign claimant?
A foreign claimant may be ordered to provide security for costs unless a reciprocity exemption applies. Article 48/1 of Law No. 5718 requires foreign natural and legal persons bringing an action, intervening, or initiating enforcement proceedings in Turkey to provide security in an amount fixed by the court. Article 48/2 requires the court to exempt them on the basis of reciprocity, which may arise from a convention or from practice between the two states. The position depends on nationality and should be established before filing.
Can I sue the insurance company directly instead of the driver?
You can sue the insurance company directly, within the limits of the compulsory motor liability policy. Article 34/4 of Law No. 5718 permits the injured party to bring the claim directly against the insurer where the applicable law allows it, and Turkish law does. Before filing you must apply to the insurer in writing; it has fifteen days to respond (Article 97 of Law No. 2918). Loss exceeding the policy limits is pursued against the keeper and the driver, whose liability under Article 85 of the same Law does not depend on proof of fault.
The vehicle that hit me had foreign plates. Is there anything to claim against?
A foreign-plated vehicle still leaves you someone to claim against. Under Article 91/6 of Law No. 2918, where a foreign-plated vehicle has no insurance valid in Turkey, compulsory motor liability cover must be taken out at the border when the vehicle enters the country. Vehicles travelling under a Green Card are handled through the Motor Insurers' Bureau of Türkiye (Article 14/2-d of Law No. 5684), and if the vehicle turns out to have no valid cover at all, bodily injury is covered by the Guarantee Account as for any uninsured vehicle.
What if the vehicle was uninsured, or it was a hit-and-run?
The claim for bodily injury goes to the Guarantee Account under Article 14/2 of Law No. 5684, which covers bodily injury caused by uninsured vehicles, by vehicles that cannot be identified and by stolen vehicles, and both property damage and bodily injury where the insurer has lost its licences or gone bankrupt. The cover is limited to the compulsory insurance limits and does not include pain and suffering; anything beyond that is pursued against the keeper and driver if they can be identified. (Older pages still cite Article 108 of Law No. 2918 for the account; that article was repealed in 2007.)
Is mediation compulsory before I can sue?
It depends on the defendant. Against an insurance company the claim is commercial and mediation is a condition of the action (Article 5/A of Law No. 6102); the mediator must conclude within six weeks, extendable by two. Against a driver or keeper who is a natural person, mediation is not required. Against a private hospital or private doctor the claim is a consumer dispute, and mediation is a condition of the action under Article 73/A of Law No. 6502 for claims outside the consumer arbitration committees' jurisdiction. Compensation for a workplace accident is expressly excluded from the mediation requirement by Article 3/3 of Law No. 7036.
How is the compensation figure calculated?
Pecuniary damages are made up of treatment costs, loss of earnings, loss of earning capacity and damage to economic future (Article 54 of Law No. 6098); non-pecuniary damages for pain and suffering are assessed separately under Article 56. Loss of earning capacity is calculated actuarially over the remaining working life using the TRH 2010 table, with a progressive annuity applied and without the 1.8 per cent technical rate found in older reports. Article 55 provides that the calculated figure may not then be adjusted up or down on grounds of equity.
What if my disability rating is not final when the limitation period is about to expire?
A partial action is filed and the claim increased later. Article 107 of Law No. 6100, which allowed an action for an indeterminate claim, was repealed on 31 July 2026; the new Article 109/4 permits the claim in a partial action to be increased once, free of the prohibition on extending the claim, until the investigation phase concludes — with the limitation period interrupted from the date of the action for the increased part as well. The repealed provision continues to apply to actions filed before that date.
Which court will hear my case?
Against an insurance company, the commercial court of first instance. Against a driver or keeper, the civil court of first instance. After a workplace accident, the labour court. Against a private hospital or private doctor, the consumer court. Against a public hospital or a foundation university hospital, the administrative court, following a preliminary application to the authority under Article 13 of Law No. 2577. On location, Article 16 of Law No. 6100 gives jurisdiction to the court of the place of the accident, the place where the damage occurred, or the injured party's own domicile, in addition to the defendant's domicile; for traffic accidents, Article 110/2 of Law No. 2918 adds the place of the insurer's branch or of the agency that issued the policy.
Is insurance arbitration better than going to court?
Insurance arbitration is faster than court and the cost exposure is lower. The arbitrator must decide within four months of appointment (Article 30/16 of Law No. 5684), and where the claim is rejected the attorney fee awarded against the applicant is one fifth of the tariff figure (Article 30/17). It is available only against insurers, requires a prior application to the insurer, and is closed once the same dispute has been taken to a court or consumer arbitration committee.
How long does a personal injury case take in Turkey?
It depends on whether liability is disputed and on how many expert reports are needed. Insurance arbitration has a statutory four-month decision period. Court proceedings have no equivalent overall limit, but a provision added to Article 147 of Law No. 6100 on 31 July 2026 requires that hearings be no more than three months apart, save in specified circumstances such as a prolonged expert examination. The medical position is usually the real constraint: the disability rating cannot be fixed until treatment stabilises.
How are legal fees agreed?
Within a floor and a ceiling. The floor is the annual Minimum Attorney Fee Tariff, below which a fee cannot validly be agreed. The ceiling is in Article 164 of Law No. 1136: where the fee is set as a percentage of what is recovered, it may not exceed twenty-five per cent of the value of the dispute. A share-of-outcome arrangement is therefore possible in Turkey, but only within that limit.
Can I get legal aid as a foreign national?
Legal aid is available to foreign nationals, subject to reciprocity. Article 334/1 of Law No. 6100 provides for legal aid where a person cannot meet the costs of proceedings without seriously affecting their family's livelihood, provided the claim is not manifestly unfounded; Article 334/3 makes the benefit available to foreigners on the further condition of reciprocity.
I received payments from social security. Are they deducted from my compensation?
Social security payments are deducted only where the institution can recover them from the person liable. Article 55/1 of Law No. 6098 provides that social security payments which cannot be recovered from the person liable, in whole or in part, may not be taken into account in assessing the loss and may not be deducted from the award. Where the institution does have a right of recourse the position differs — that benefit is set off and the institution pursues the person liable itself.
Who pays my hospital bills after a car accident in Turkey?
Hospital treatment after a traffic accident is paid by the Social Security Institution, whether or not you have Turkish social security (Article 98 of Law No. 2918). This applies at university, state and private hospitals. The insurers transfer a share of their premiums to the Institution, and their liability for those treatment costs then ends; treatment costs the Institution does not cover, and carer costs, can still be claimed from the at-fault vehicle's insurer.
Does car insurance pay pain and suffering compensation in Turkey?
Compulsory motor insurance does not pay pain and suffering compensation. Non-pecuniary damages are excluded from its cover by Article 92/f of Law No. 2918, and the Guarantee Account does not pay them either. The claim is brought against the driver and the keeper of the vehicle; a voluntary excess liability policy, if there is one, may include non-pecuniary cover. The amount is set by the judge under Article 56 of Law No. 6098 — there is no fixed scale and no punitive element.
Can withdrawing the criminal complaint end my compensation claim?
Withdrawing the complaint ends the civil claim only if you also declare that you waive your personal rights (Article 73/7 of the Turkish Criminal Code) — and a standard phrase such as "I have no claims or demands" does exactly that. A reconciliation agreement in the criminal file ends the right to compensation for the damage it covers, except damage that could not be identified at the time or appears later (Article 253/19 of Law No. 5271). A withdrawal should therefore expressly reserve your personal rights, and nothing should be signed in a language you do not understand; a victim is entitled to an interpreter (Article 202 of Law No. 5271).
Is there workers' compensation in Turkey?
Turkey has no separate workers' compensation scheme; the same function is served by two parallel systems. The Social Security Institution pays a temporary incapacity allowance for every day of incapacity after a work accident and a permanent incapacity income once the loss of earning capacity reaches 10 per cent (Articles 18 and 19 of Law No. 5510). In addition, the employer can be sued for the full loss in the labour court, within ten years, without mandatory mediation (Article 417 of Law No. 6098; Article 3/3 of Law No. 7036).
Do I need a lawyer in the city where the accident happened?
You do not need a lawyer in the city of the accident. A Turkish lawyer may act before courts anywhere in the country, filings are made electronically through UYAP, and for traffic accidents the action can often be brought where the insurer has a branch or where the policy was issued (Article 110/2 of Law No. 2918), as well as where the accident happened.
Should I accept the insurer's first settlement offer?
An early settlement offer should not be accepted before the permanent disability rating is known and the offer has been compared with a calculation of the full loss. A settlement that is clearly inadequate can be annulled, but only within two years of signature (Article 111/2 of Law No. 2918). A payment on account can be accepted without signing a full release, and it is deducted from the final award.
- Traffic Accident Claims The Turkish-language page on traffic accident compensation — fault assessment, insurer liability and the claim process in detail
- Compensation Claims (Ankara) The main compensation page: heads of damage, actuarial calculation and non-pecuniary damages (in Turkish)
- Workplace Accident Claims Employer liability, the ten-year period and the labour court procedure (in Turkish)
- Medical Negligence Claims Claims arising from surgical and aesthetic procedures, informed consent and the standard of care (in Turkish)
- Insurance Disputes Disputes with insurers, the arbitration route and policy interpretation (in Turkish)
- Loss of Support After a Fatal Accident The independent claim of dependants, and how it is calculated (in Turkish)
- Law No. 6098 — Turkish Code of Obligations, Art. 49-56, 66-70, 72, 74, 146, 154, 417 — Liability in tort and the burden of proof; reduction for contributory conduct; the heads of damage in death and bodily injury cases; how they are calculated; strict liability of building owners and keepers of animals; the two-year and ten-year limitation periods and the criminal-period exception; the general ten-year period; the employer's occupational health and safety obligation.
- Law No. 2918 — Highway Traffic Act, Art. 81, 85, 86, 88, 91, 92, 97, 98, 99, 109, 110, 111 — Leaving the scene of an accident; strict liability of the vehicle keeper and the grounds of exoneration or reduction; joint and several liability towards third parties; compulsory motor liability insurance, including cover taken out at the border for foreign-plated vehicles; exclusions from cover, including non-pecuniary damages; the written application to the insurer as a condition of the action and the 15-day response period; treatment costs met by the Social Security Institution; the insurer's eight-working-day payment obligation; the limitation periods and the rule that interruption against one party interrupts against the other; jurisdiction at the insurer's branch or agency; the annulment of clearly inadequate settlements within two years.
- Law No. 5718 — Act on Private International and Procedural Law, Art. 34, 40, 47, 48 — The law applicable to a tort, including the direct claim against the insurer and the choice of law after the event; the international jurisdiction of Turkish courts; jurisdiction agreements; the obligation of foreign claimants to provide security for costs and the reciprocity exemption.
- Law No. 6100 — Code of Civil Procedure, Art. 6, 16, 109, 147, 334, 335 — General and tort jurisdiction, including the injured party's own domicile; the partial action and the single increase of the claim; the interval between hearings; legal aid, the reciprocity condition applicable to foreigners and the exemption from security for costs.
- Law No. 5684 — Insurance Act, Art. 14, 30, Additional Art. 6 — The Guarantee Account and the Motor Insurers' Bureau; the Insurance Arbitration Commission; access without an arbitration clause and for compulsory insurance; the prior application requirement and the response period; the four-month decision period; the attorney fee limited to one fifth of the tariff where the claim is rejected; the rule that an insurance claim may be pursued only by the claimant or their lawyer and cannot be assigned.
- Law No. 5510 — Social Insurance and General Health Insurance Act, Art. 13, 18, 19 — Work accidents; the temporary incapacity allowance; the permanent incapacity income and the 10 per cent threshold.
- Law No. 6502 — Consumer Protection Act, Art. 51, 73, 73/A — Package tours; the consumer courts, which hear claims against private hospitals and doctors; mediation as a condition of the action in consumer disputes.
- Law No. 5271 — Code of Criminal Procedure, Art. 202, 253 — The victim's right to an interpreter; reconciliation and its effect on the right to compensation.
- Law No. 6102 — Turkish Commercial Code, Art. 5/A — Mediation as a condition of the action in commercial claims for a sum of money, and the six-week period extendable by two weeks.
- Law No. 5237 — Turkish Criminal Code, Art. 66, 73, 85, 89 — Limitation of criminal proceedings by reference to the sentence; the six-month complaint period and the effect of withdrawing a complaint; negligent homicide and negligent injury, which determine the eight-year and fifteen-year periods applicable to the compensation claim.
- Law No. 7036 — Labour Courts Act, Art. 3, 6 — Mediation as a condition of the action in employment disputes, and the exclusion of compensation claims arising from workplace accidents and occupational diseases; jurisdiction at the place of the accident and the worker's domicile.
- Law No. 1136 — Attorneyship Act, Art. 164 — Attorney fees; the prohibition on agreeing a fee below the tariff; the rule that a fee set as a percentage may not exceed twenty-five per cent of the value of the dispute.
- Law No. 2577 — Administrative Procedure Act, Art. 13 — The preliminary application to the authority required before an action for damages against a public body.
What decides an injury file in Turkey? The date, the defendant and the route
The date determines which limitation period applies, and it is rarely the two years most people are told. The defendant determines whether a written application or mediation must come first, which court hears the case, and whether the claim can be brought against an insurer directly. The route — court or insurance arbitration — determines how long it takes and what the cost exposure is if the claim fails. Those three questions can be answered from the accident report, the medical records and any correspondence with the insurer. If you are outside Turkey, none of this requires you to travel.
Legal notice: This page is provided for general information about Turkish law and does not constitute legal advice or create a lawyer-client relationship. Every injury claim depends on the facts of the event, the medical evidence and the documents in the file, and must be assessed individually. Legislation and the amounts fixed under it change; the position stated here reflects the law as at the date of last update shown above. For advice on a specific case, please contact the office.