SİGORTA TAHKİM KOMİSYONU NEDİR?

WHAT IS THE INSURANCE ARBITRATION COMMISSION AND WHAT ARE ITS FUNCTIONS?

The Insurance Arbitration Commission is a body established in 2008 under Article 30 of the Insurance Act No. 5684, under the supervision of the Association of Insurance and Reinsurance Companies. This commission is an institution that seeks to resolve disputes related to the terms of an insurance contract or agreements made between the insured and the insurance company. The commission’s members include one representative, two association representatives, one consumer association representative, and one academic legal expert. While the definition and role of this commission are briefly as described, there are specific timeframes and conditions for filing a claim with it. Upon examination, claims submitted to the Insurance Arbitration Commission are first reviewed by interviewers, and cases that do not result in a resolution are referred to independent insurance arbitrators. For the commission to review a case, the dispute in question must not have been brought before a court or a consumer disputes arbitration panel. There are certain conditions for filing a claim with the Insurance Arbitration Commission following a dispute between an insured party and an insurance company, or between a third party and an insurance company. One of these conditions is that the insurance company involved in the case must be a member of the Insurance Arbitration Commission. Additionally, another condition for filing a claim with the Insurance Arbitration Commission is that the claimant must have first filed a claim with the insurance company and, as mentioned above, a rejection from the insurance company or no response within 15 business days. As mentioned earlier, if a dispute involving an insurance company that is not a member of the Insurance Arbitration Commission is brought before the Commission, the Commission will not consider it; we must remember that the Commission only addresses disputes involving insurance companies that are its members. Now, if we are to answer the question of what is required to file a claim with the Insurance Arbitration Commission and what documents are needed, we must respond as follows:

First, an application form bearing the applicant’s wet signature and filled out in full and in detail; a photocopy of the applicant’s identification document; a receipt confirming payment of the application fee set by the insurance arbitration commission in connection with this application form; a document confirming that the insurance company was first contacted and that a negative response was received or no response was received at all, written documents related to the application sent to the insurance company, and, in addition to these, a document—specifically a written statement—in which the applicant clearly and explicitly states what they are requesting, using these documents to assist in proving what they expect from the commission through clear and varied documentation.

KOMİSYONA BAŞVURU YAPMANIN ÜCRETİ

Sigorta tahkim komisyonuna başvuru yapmanın bir ücreti olmakla beraber bu ücret  incelendiğinde 5000 tl’ye kadar olan uyuşmazlıklarla ilgili başvurular için 100 tl, 5001 ile 10.000 tl arasındaki uyuşmazlıklar için yapılan başvurular 250 tl, 10.001 ve 20.000 tl arasındaki uyuşmazlıklar için yapılacak olan başvuruların 350 tl ve uyuşmazlık tutarının 20001 tl ve bu bedelden yüksek olan uyuşmazlık durumları için en az 350 tl olmakla beraber başvuru bedelini uyuşmazlık tutarının %1,5’u  olduğunu söyleyebiliriz. Belirtilen bu ücretler dışında hukuk mahkemeleri kanunu hükümleri kapsamında söz konusu olaydaki hakemlerin yargılamanın masraflarını da maliyeti ekleyebileceğini ve bu şekilde ödemenin miktarının artabileceğini de bilmekteyiz.

KOMİSYONA BAŞVURU YAPILAN DOSYA NASIL SORGULANIR?

Sigorta tahkim komisyonuna yapılmış olan bir uyuşmazlıklarla ilgili başvuru sonrasında bu başvurunun ön incelemesi komisyon tarafından 15 gün içerisinde raportörler tarafından tamamlanmakta ve bunun ardından söz konusu başvurunun sigorta hakemlerine havale edilip edilmeyeceği kararı verilmekte ve havale edilme karar verilmesi takdirinde başvuru dosyasının bağımsız hakemleri iletilmekte olduğunu ve hakemlerin bu söz konusu dosya incelemesini 4 ay içinde tamamladığını ve bir karar çıkarttığını ve bu kararı uyuşmazlığın taraflarını iletmekte olduğunu bilmekteyiz peki sigorta tahkim komisyonuna yapılan bir başvurunun dosyasının sorgulama işlemi başvuru sahibi tarafından nasıl yapılmaktadır sorusuna geldiğimizde Sigorta tahkim komisyonu başvuru sırasında başvuru sahibine bir şifre vermekte ve söz konusu bir şifreyle birlikte başvuru sahibi sigorta tahkim komisyonunda dosya sorgulamasını yapabilmektedir. İnternet üzerinden dosya sorgulaması yapmak isteyen kişilerin de sigorta tahkim komisyonunun internet sitesindeki başvuru sorgulama kısmına tıklayarak ulaşabilmesi ve verilen şifre ile dosyasını incelemesi mümkündür.

Can an objection be filed against an arbitration commission decision?

When examining whether an appeal may be filed against a decision rendered by the Insurance Claims Commission regarding a dispute that has been referred to the Insurance Arbitration Commission, we note that if the value of the dispute in question is 5,000 TL or less, the commission’s decision cannot be appealed; however, for disputes valued at 5,000 TL or more, an appeal may be filed within 10 days of the commission’s decision being communicated.000 TL or less, the commission’s decision cannot be appealed; however, for disputes valued at 5,000 TL or more, the decision may be appealed once within 10 days of the commission’s notification. The appeal process requires filling out an appeal application form and paying a fee equal to the amount of the claimAdditionally, we should not overlook the fact that decisions of the Insurance Arbitration Commission regarding disputes exceeding 40,000 TL may be appealed. Appeals filed against the commission’s decision are reviewed by the arbitration panel, and a decision is rendered within two months following this review, with the outcome communicated to the appellants within three business days.

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