New Regulations Begin for Compulsive Traffic Insurance
The new period for essential traffic insurance will start on July 1, 2026; It brings with it critical regulations such as loss of value, automatic application and unique module replacement.
The new regulation, which brings about fundamental changes in the compulsive traffic insurance system, officially comes into force on July 1, 2026. According to information from Birgün, damage management, loss of value calculations, use of original modules and compensation payment procedures in insurance processes are being completely restructured. This new system, which increases the responsibilities of insurance companies and aims to eliminate the grievances of beneficiaries, will ensure that post-accident processes proceed in a more transparent and automatic manner. The regulation, which aims to eliminate the uncertainties experienced especially in applications for loss of price, is considered as a valuable gain for drivers.
- Applications for loss of value will now be automatically taken into the process even if the beneficiary does not request it.
- Insurance companies will be obliged to report the calculated value loss price through digital channels such as SMS or e-Government.
- The use of original cutting will be made mandatory when replacing damaged modules.
- The use of an equivalent module for part replacement will only be allowed in cases where the original module cannot be found.
Depreciation Processes Are Automated
With the new regulation, the value loss calculations suffered by vehicles involved in traffic accidents will now be followed meticulously by insurance experts. Criteria such as the brand value of the vehicle, year of manufacture, damage history and wear and tear will play a decisive role in determining the second-hand price. The most striking innovation will be that the loss payment process will be started automatically by the system, without the need for the beneficiaries to make a separate application.
Insurance companies will have to notify the beneficiary in writing of the determined value loss measure.
Another responsibility that falls to insurance companies during the process is the obligation to inform. Companies; It will convey the current status to beneficiaries via SMS, portable applications or e-Government portal. In this way, the process of tracking the rights of insured citizens will become digital and more accessible.
Use of Original Module is Required
Important standards are also being introduced in damage repair processes. In case of damage to the vehicle after the accident, if repair of the part is not possible, a rule has been introduced to replace it with the original module. If the module is not original, only the equivalent module can be used; However, even in this case, the burden of proof will remain entirely on the insurance company. This regulation aims to prevent the loss of quality that vehicle owners may experience due to sub-industry products during the repair phase.
The original module replacement rule aims to preserve vehicle safety and market value.
These new standards will establish a much more stable insurance-insured relationship in compulsive traffic insurance policies starting from 2026. This legal framework, which will prevent arbitrary practices of companies, is expected to end the discussions on loss of value and spare modules, especially after the accident.
Do you think these new regulations in compulsive traffic insurance will be enough to increase the service quality of insurance companies? You can share your expectations and opinions regarding loss of value and module replacement with us in the comments section.
