Practice Area

Make sure your policy truly protects you.

From insurance contracts to compensation claims, from rejected claim files to subrogation (recourse) processes; we provide expert insurance law counsel that protects the rights of the insured, the insurer, and the injured party.

Overview

A policy shows its value only at the moment of claim

The true value of an insurance policy emerges when a loss occurs. Coverage scope, exclusions and obligations are often technical and complex; these details usually lie behind claims that are unjustly rejected or underpaid.

Recovering legitimate claims on the side of the insured and the injured party, and file assessment and subrogation management on the side of the insurer; on both fronts we stand by you with an approach grounded in coverage and liability law.

Insurance & coverage policy / loss
Why Köksal?

An expert eye that reads the fine detail of coverage

In insurance disputes, the outcome is often hidden in a single sentence of the policy. We read coverage, exclusion and obligation provisions with technical rigour; whether recovering a legitimate claim or defending against an unfounded one, we act with a firm command of the subtleties of insurance law.

  • Two-sided experience on both the insured and insurer sides
  • Technical depth in coverage and exclusion analysis
  • Effective pursuit of rejected loss files
  • Expertise in insurance arbitration and litigation
  • A results-oriented approach to subrogation management
Negotiation / meeting
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Team in This Area

With our multilingual team of lawyers, well-versed in Turkish and German law, we are by your side.

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Related Publications

Latest insights and guides on this area from the Knowledge Centre.

Coverage limits, deductibles, exclusions and disclosure obligations determine the policy's true protective value. Incomplete disclosure can lead to a claim being rejected. We review your corporate policies legally so that they align with your operational risk, and audit them before renewal.

Exclusions define the situations that fall outside coverage; however, the insurer must have incorporated these exclusions into the contract clearly and in the proper form. Ambiguous or improperly included exclusions cannot be construed against the insured. We review your policy from this perspective and defend the interpretation that protects your rights.

Whether the grounds for rejection are justified under the policy and the applicable legislation must be examined carefully; most rejections stem from a misinterpretation of the scope of coverage or of the insured's obligations. Where a rejection is unjustified, we vigorously pursue your compensation claim through insurance arbitration or litigation.

The Insurance Arbitration Commission generally produces faster results than the courts and is an effective route in insurance disputes. However, every case has its own character. We assess your dispute and initiate the process by determining the most advantageous route in terms of amount and nature.

In insurance compensation claims, the limitation period varies according to the type of insurance, and missing it leads to the loss of your rights. When the period starts to run is also a critical legal assessment. We review your file without delay and safeguard your claim by managing the limitation risk.

Practice Area

Choose the right legal partner in Insurance Law.

Bring our experience across Türkiye and the DACH region to your side, with practical solutions tailored to your needs.