Information Package / Course Catalogue
Insurance Loss Assessment
Course Code: DIT123
Course Type: Non Departmental Elective
Couse Group: Short Cycle (Associate's Degree)
Education Language: Turkish
Work Placement: N/A
Theory: 2
Prt.: 0
Credit: 2
Lab: 0
ECTS: 2
Objectives of the Course

The primary objective of this course is to provide students with both theoretical and practical knowledge of loss assessment processes following insured events, the legal framework of insurance loss adjusting, and methods for calculating indemnities and depreciation in various insurance lines, including motor, fire, engineering, and marine insurance. The course aims to equip students with the skills necessary to assess insurance claims and apply relevant valuation and compensation principles in different insurance contexts.

Course Content

This course comprehensively covers the insurance claims management process, from the notification of a loss event to the payment of indemnity. Students learn how to conduct loss assessments in major insurance lines such as motor, fire, engineering, marine cargo, and liability insurance. The course also covers technical calculations including depreciation, underinsurance and overinsurance, salvage, and subrogation. In addition, students gain knowledge of loss adjusting report writing techniques, insurance fraud, and the decisions of the Insurance Arbitration Commission through the analysis of real-life cases.

Name of Lecturer(s)
Learning Outcomes
1.Students will be able to explain the main stages of the insurance claims process (claim notification, appointment of a loss adjuster, loss assessment, and indemnity payment) and describe the legal status of insurance loss adjusters.
2.Students will be able to assess material damages arising from motor insurance claims, determine liability ratios, and calculate vehicle depreciation in accordance with current legislation and regulations.
3.Students will be able to analyze specific loss assessment methods and policy exclusions in different insurance lines, including fire, engineering, marine cargo, and agricultural insurance.
4.Students will be able to calculate the impact of technical insurance concepts such as underinsurance, overinsurance, deductibles, salvage, and subrogation on the amount of indemnity payable in claims files.
5.Students will be able to transform field findings related to an insured loss event into a legally valid loss adjusting report in accordance with general and special insurance policy conditions.
Recommended or Required Reading
1.6102 Sayılı Türk Ticaret Kanunu (6. Kitap: Sigorta Hukuku), 5684 Sayılı Sigortacılık Kanunu ve Sigorta Eksperleri Yönetmeliği.
2.Karayolları Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortası (Trafik) Genel Şartları (Değer Kaybı ekleri ile) ve Kasko Genel Şartları.
3.Sigorta İşletmeciliği - Prof. Dr. Suna Özyüksel
4.Türkiye Sigorta Birliği (TSB) Sektör Raporları, Sigorta Bilgi ve Gözetim Merkezi (SBM) verileri, Sigorta Tahkim Komisyonu (SAİK) Emsal Kararları.
Weekly Detailed Course Contents
Week 1 - Theoretical
Introduction to Insurance Claims and Indemnity Concepts
Week 2 - Theoretical
The Profession of Insurance Loss Adjusting, Ethical Principles, and Legal Regulations
Week 3 - Theoretical
Claim Notification, Claim File Opening, and Claims Process Management (SLA Timelines)
Week 4 - Theoretical
Loss Assessment in Motor Insurance I: Operations of Comprehensive Motor (Casco) and Motor Third-Party Liability Insurance
Week 5 - Theoretical
Loss Assessment in Motor Insurance II: Vehicle Depreciation Calculations
Week 6 - Theoretical
Loss Assessment and Reporting in Fire and Natural Disaster (Compulsory Earthquake) Insurance
Week 7 - Theoretical
Claims in Engineering Insurance: Construction All Risks, Erection All Risks, and Machinery Breakdown
Week 8 - Theoretical
Loss Assessment in Marine Cargo and Goods-in-Transit Insurance (General Average and Average Adjustment)
Week 9 - Theoretical
Claims in Liability Insurance and Assessment of Bodily Injuries
Week 10 - Theoretical
Loss Assessment and Practices in Agricultural Insurance
Week 11 - Theoretical
Fundamental Principles of Claims Calculations: Underinsurance, Overinsurance, and Deductibles
Week 12 - Theoretical
Salvage Management and Subrogation Procedures in Insurance
Week 13 - Theoretical
Techniques for Preparing Loss Adjusting Reports and Practical Report Writing
Week 14 - Theoretical
Claims Disputes, Insurance Fraud, and the Insurance Arbitration Commission
Assessment Methods and Criteria
Type of AssessmentCountPercent
Attending Lectures1%5
Verbal Examination1%5
Midterm Examination1%30
Final Examination1%60
Workload Calculation
ActivitiesCountPreparationTimeTotal Work Load (hours)
Lecture - Theory151520
Final Examination151015
Board Examination151015
TOTAL WORKLOAD (hours)50
Contribution of Learning Outcomes to Programme Outcomes
PÇ-1
PÇ-2
PÇ-3
PÇ-4
PÇ-5
PÇ-6
PÇ-7
PÇ-8
PÇ-9
PÇ-10
PÇ-11
PÇ-12
PÇ-13
OÇ-1
2
OÇ-2
OÇ-3
OÇ-4
OÇ-5
Adnan Menderes University - Information Package / Course Catalogue
2026