Legal Protection Insurance - Insurance Policy

What is the subject of insurance coverage?

The contract/policy established between the insurer and the insured covers the expenses and other actions necessary to protect their legal interests in resolving legal disputes arising from rights and responsibilities under legislation, through settlement or relevant judicial procedures.

During the insurance protection process, the legal requirements of the parties to the insurance contract will be met by Commercial Law Attorneys experienced in the field of commercial law .

What topics are covered by insurance protection?

1. Legal Protection Related to Motor Vehicles
2. Driver Legal Protection
3. Legal Protection Related to Immovable Property
4. Personal and Family Legal Protection

If the insured and the insurer agree, what headings can be added to the insurance contract within the scope of coverage?

1. Disputes between legal representatives of legal entities,
2. Contracts based on chance, which are permitted by law,
3. Family and inheritance law,
4. Construction contracts,
5. Matters related to mining, quarrying, and forestry law
6. Transactions arising from tax and public receivables,
7. Procedures related to customs law,
8. Issues relating to non-contentious jurisdiction,
9. Resorting to international legal remedies,
10. Procedures related to bankruptcy and insolvency,
11. Disputes arising from matters other than those included and excluded from the security deposit

What expenses are covered under the insurance contract?

1. Expenses arising from arbitration, provided they do not exceed the amount to be spent on litigation, enforcement, and resolving disputes through litigation , as well as appeal and rectification costs, and legal and consultancy fees specified in the policy, provided they are not less than the minimum fee schedule for attorneys and arbitrators, and security deposits with a maximum limit specified in the policy for release on bail,
   
   
   
   
2. The costs incurred by the insured due to measures taken to prevent or minimize damage, even if the outcome is unfavorable
3. In all circumstances, the predetermined ceiling limit specified in the contract applies to the insured and other insured persons. Furthermore, the same ceiling limit applies to situations involving multiple material risk factors that occur consecutively in terms of time and cause

What expenses does the insurer not cover under the policy?

1. If disputes are resolved amicably, either within or outside of litigation, the portion of the expenses borne by the insured exceeding half of the total expenses incurred by both parties will be borne by the insured
2. In cases where the dispute arose from an unlawful and deliberate act by the insured, the portion of the expenses incurred that corresponds to the part of the case that resulted in a verdict against the insured,
3. Expenses covered under other insurance policies previously taken out on behalf of the insured at different times due to the same situation
4. Costs incurred by the insured due to the assertion of a counterclaim or set-off for a situation not covered by insurance.
   
5. Expenses attributable to the insured's share as specified in the contract
6. Disputes arising from a risk that occurred before the creation of the insurance policy or after its termination
7. War, including all forms of warfare, invasion, hostile actions by foreign powers, conflict, civil war, revolution, rebellion, uprising, and disputes arising from such events and related disciplinary and military actions
8. Disputes arising from terrorist acts specified in the Anti-Terrorism Law, sabotage resulting from these acts, and situations developing during strikes, lockouts, chaos, and civil unrest, as well as measures taken by competent authorities to prevent and minimize their effects.
   
   
   
9. Disputes between the policyholder and the insurer
10. Disputes arising directly or indirectly from damages caused by nuclear reactors and genetic problems caused by radioactive materials.
    
11. Disputes that arise among those who have taken out insurance jointly, or between the insured and those who have taken out insurance jointly
12. Disputes arising from receivables transferred to the insured after the moment the risk occurs,
13. Disputes within the scope of commercial law.

What is the situation for the heirs of the insured in the event of the insured's death, under the scope of insurance coverage?

Under insurance coverage, lawsuits and enforcement proceedings initiated against the insured during their lifetime,
as well as situations arising before the insured's death that create rights and obligations, and lawsuits and enforcement proceedings initiated by or against the heirs, and lawsuits
and enforcement proceedings initiated by the heirs due to the circumstances that caused the insured's death, proceed in favor of the heirs.

What are the insurer's liabilities if the insured's secrets are not kept confidential?

Those who take out insurance or act on behalf of the insurer are liable for any damages arising from the disclosure of secrets relating to the insured as a result of the creation of the policy.

In case of a dispute or disagreement arising from an insurance policy, to which authority should the insured or the insurer file a complaint?

In lawsuits filed against the insurer due to disputes arising from insurance policies
, the competent court is the court located at the domicile of the insurance agency's headquarters.
In lawsuits filed by the insurer, the competent court responsible for commercial cases, located at the defendant's domicile, will be the application authority.

Are there time limits on the rights created by an insurance policy?

All claims arising from insurance policies are subject to a two-year statute of limitations.