Loss adjusting records show that the majority of traffic (motor third party liability) insurance claims lodged in 2025 were in the low-value range, amounting up to TRY50,000 ($1,127), with costs consisting primarily of parts and labour.
Adjusters’ reports are one of the most important data sources in the traffic insurance claims ecosystem, allowing the simultaneous evaluation of many variables, from the occurrence of the damage to the repair process, according to a report by Insurance Media. The data, which covers details like damage amount bands, vehicle categories, geographical distribution and repairs channel preferences, offer significant insights into the operational structure of the claims ecosystem.
Approximately 861,000 adjuster reports were issued for traffic insurance in 2025. The average cost per claim was TRY66,600 ($1,500). A significant portion of this cost consisted of parts and labour expenses. The costs of parts averaged TRY33,000 while labour costs averaged TRY32,700. The data highlights the importance of closely monitoring not only the total damage amount but also the cost components.
The majority of traffic insurance claims were concentrated in the low-value category. According to the data, the distribution of claims was as follows:
-
-
|
Claim amount
|
Proportion of total number of claims
|
|
Up to TRY50,000
|
62.2%
|
|
TRY50000-100,000
|
23.2%
|
|
TRY100,000-200,000
|
9.6%
|
|
TRY200,000-300,000
|
5.0%
|
|
Over TRY300,000
|
2.7%
|
When evaluated by vehicle group, it is seen that 71.3% of the loss adjusting reports were for automobiles.
Damage intensity is high in large cities
By geography, damages were largely concentrated in large cities. Istanbul ranked first, accounting for 24.4% of the total number of claims, while the combined share of the top five cities reached 51.6%. This concentration increases the importance of regional prioritisation in service networks, capacity planning, and supply processes.
Repair shops
The adjuster reports revealed that the repair shop network has a multi-layered structure. The data indicates that the majority of vehicle repairs were carried out through repair shops that were not authorised or did not have contracts with insurance companies.