The Problem
You were involved in a car crash in Turkey. You have rental insurance, but the other driver claims you are 100% at fault because you are a foreigner and "didn't know the rules." You are worried that your insurance won't pay and you will be sued for thousands of dollars.
How the Law Works in Turkey
Liability in Turkey is determined by the "Fault Rate" (Kusur Oranı). This is decided by the traffic police in their report (Tramer). It's not always 100/0; it can be 50/50 or 75/25. Every rental car in Turkey is legally required to have "Compulsory Traffic Insurance" (ZTMS), but this only covers damage to the other party. For your rental car's damage, you rely on the Collision Damage Waiver (CDW).
What the Tourist Should Do
Never admit fault at the scene. Even if you think you made a mistake, let the official police report decide. Take photos of the "Point of Impact" on both cars. Ensure the police perform a breathalyzer test on both drivers. If you have a rental, call the agency's "Insurance Assist" line immediately; they often require a specific police report within 24 hours to honor the claim.
The Risks
The biggest risk is "Alcohol Exclusion." If you have even a tiny amount of alcohol in your blood (above 0.20 for rentals), your insurance is 100% void, and you will be personally liable for all damages, including the other car and public property (like guardrails). Another risk is "Leaving the Scene"; if you drive away before the report is signed, you lose all coverage.
LetFix Solution
If you are being unfairly blamed for a car accident or if an insurance company is refusing to pay a legitimate claim, we can contest the fault rates in court and handle the legal negotiations with the rental agencies.
