Services in Insurance Law
Attorney Mert Semih Berber provides legal consultancy and litigation services in disputes related to insurance law, acting both for policy holders and for insurance companies. Interpretation of insurance policies, resolution of disputes with insurers and collection of unpaid indemnities constitute the core of this practice area.
Main Areas of Work
- Disputes regarding motor own damage, traffic and compulsory liability insurances
- Compensation claims arising from health, life and personal accident insurances
- Coverage and damage disputes in workplace, household and fire insurances
- Actions concerning policy coverage, exclusions and interpretation of general/particular conditions
- Recourse actions, subrogation and claims filed by insurers against third parties
Managing Compensation Processes
Compensation processes involve several technical stages from the occurrence of the risk to the examination of the policy, evaluation of expert reports and the payment stage. Each step taken may directly affect the outcome of a potential dispute.
- End‑to‑end follow‑up of claim files from a legal and technical perspective
- Evaluation of expert reports and preparation of necessary objections
- Conducting correspondence and applications before insurance companies
- Litigation in respect of unpaid or partially paid compensation
Common Issues
Insurers frequently rely on exclusion clauses in the policy to avoid payment. At this point, it is crucial to interpret general and particular conditions correctly and to ensure the protection of the policy holder’s rights.
- Coverage disputes arising from unclear or ambiguous policy wording
- Under‑insurance, over‑insurance and multiple insurance situations
- Debates concerning the manner in which the risk occurred (intent, gross negligence, breach of notification duties)
- Cases where loss of value, loss of support and moral damages intersect with insurance relations