In short
Refusal of a comprehensive motor claim is a written reason that rests on a clause in the optional comprehensive policy. Compulsory financial-liability insurance relates to another person's loss, and it is not comprehensive cover. A fault chart is not the name of this letter. No amount and no percentage are in this note. The refusal is as wide as the sentence the letter shows.
The question of why it is refused is not answered with a general list. Notice, use outside cover, or a driver limit is spoken of only so far as that policy writes it. A limit that was not written is not added later with a remembered remark.
Which sentence the refusal closes
The letter should write which policy number and which clause it points to. The reason is read from that policy's own text. Not every example is frozen as a statutory article. If the letter says "refused" without pointing to a clause, the refusal is not yet a reason that can be read. A spoken refusal does not stand in for the policy sentence.
The insured places the clause in the letter next to their own comprehensive contract. The general conditions of the compulsory policy are not pasted in place of the comprehensive clause. Two contracts can stand in the same envelope. Even so, one does not itself carry the other's cover. If the document does not carry a policy number, which contract is speaking cannot be chosen.
The compulsory policy and fault are a separate record
Compulsory traffic insurance is compulsory cover for a third person's bodily or property loss. Comprehensive cover is an optional contract for the insured's own vehicle. A comprehensive-cover refusal is not answered as the fault chart of the compulsory policy. This note states no fault percentage and no payment amount.
The frame of fault and of the compulsory policy is on the insurance and fault page. Objection to an expert's report is on the expert's report page. The application door is insurance arbitration, and the letter that closes the diminished-value item sits under refusal of diminished value. The refusal letter is not itself the report. If the report is cited as a reason, the cited sentence appears in the letter.
How the refusal letter is read
The clause in the refusal letter is read next to the policy text. No amount and no percentage are written. The address of the Çankaya office does not change the competent authority in an insurance dispute.
If the sentence the letter cites and the sentence in the policy conflict, the decision marks the conflicting place. A petition that does not write the clause number stays at a general word of unfairness. Service may show the day the refusal writing arrived. Service does not widen the scope of the clause. An invoice may carry the repair cost. An invoice does not itself show that cover is open.
The letter, the expert, and the repair paper
If the expert's report is cited as a reason, the letter should write which sentence of that report it relies on. The whole report is not treated as pasted into the letter. A repair offer and the item the insurer paid are separate lines. This note does not put amounts on those lines. If the minute writes the finding at the scene, it does not stand in for the comprehensive clause. The minute shows how the event was described. The clause is in the policy.
Optional cover may not carry the name comprehensive either. A contract with a different name is not itself read as an annex of the comprehensive refusal letter. Which paper closed which loss is chosen from the paper's heading. If there is no heading, no choice is made.
Which paper closes which loss
The policy, the clause, and the refusal letter can stand in the same folder. Their standing there does not mean the three say the same sentence. If the letter cites a clause and that clause is not in the policy, the letter stays incomplete. An incomplete letter is not treated as having closed the cover on its own. A claim of closure depends on the cited sentence being found in the text.
If the repair papers write the part that was replaced, that part is what is spoken of. If they do not, the parts list is not filled with a breakdown remembered later. A filled-in breakdown does not stand in for the reason for refusal. The reason is in the letter. If there is no letter, there is no reason either. This distinction produces no amount and no percentage. A figure that is produced is not put in the place of the sentence on the file. The choice is made from the headings in the folder. If there is no heading, no choice is made.
Conclusion
A comprehensive motor claim is refused because of the clause the comprehensive policy shows. Compulsory traffic insurance is not comprehensive cover. A lawyer in Ankara does not paste the refusal sentence onto the chart of the compulsory policy. No amount and no percentage are in this note. The frame is on the criminal law page.
The basis is the Insurance Code No. 5684 and the Highway Traffic Code No. 2918.