My Car Is Fully Insured, but the Other Driver Was Uninsured

What Happens After a Traffic Accident in North Cyprus? A Complete Guide with Police Report Rules

Traffic accidents in North Cyprus are unfortunately common.
Narrow roads, heavy traffic, and parking problems mean that even careful drivers can suddenly find themselves in a stressful situation.

But panic usually begins with this sentence:

“My car is covered by fully comprehensive car insurance, but the other driver has no insurance.”

In North Cyprus, this situation happens more often than people expect.
And if the correct steps are not taken immediately, it can lead to serious financial loss.

This guide explains exactly what happens, based on North Cyprus traffic law, insurance practice, and the mandatory police report system.

There Is No Accident Report Form in North Cyprus – There Is Police

This is the most important rule to understand.

In North Cyprus:

• There is no mutual accident report form

• There is no self-declaration system

➡️ Police must be called to the scene
➡️ An official police traffic accident report must be issued

📌 No police report means no insurance claim.

This rule applies whether the damage is small or severe.

What If the Other Driver Is Uninsured?

If the other vehicle involved in the accident has no insurance, the situation becomes even more sensitive.

Very often, the uninsured driver will say:

“Don’t call the police, I will pay for the damage.”

⚠️ This statement is NOT binding.

Even if:

• The damage is serious

• The driver seems cooperative

• The driver promises to pay immediately

Without a police report, this promise has no legal or insurance validity.

In North Cyprus, insurance does not work with verbal agreements.

Severe Accidents: Police Is Mandatory

In North Cyprus:

• If the damage is heavy

• If the vehicle cannot be driven

• If a tow truck is required

➡️ Police must be called before anything else happens.

Cash offers, repair suggestions, or goodwill gestures never replace a police report.

Insurance works with documents, not intentions.

Will Fully Comprehensive Car Insurance Cover the Damage?

YES.

If your vehicle is covered by fully comprehensive car insurance in North Cyprus:

• It does not depend on the other driver being insured

• It does not require the other driver to accept liability

• It focuses on your vehicle and your policy

So even if the other driver is uninsured:

Your fully comprehensive car insurance covers your damage.

However, there is one absolute condition:

➡️ An official police traffic accident report must exist.

Without it, the claim cannot proceed.

Step-by-Step Insurance Claim Process in North Cyprus

1. Police are called to the accident scene

2. Police prepare an official traffic accident report

3. The accident is reported to the insurance company

4. An insurance adjuster is appointed

5. The vehicle is inspected

6. Repair process begins

📌 Changing this order can seriously delay or jeopardize the claim.

The Biggest Mistake: Repairing the Car Before Inspection

One of the most common mistakes in North Cyprus is:

• Starting repairs immediately

• Removing parts before inspection

• Assuming the damage is obvious

⚠️ This can put the entire claim at risk.

Always wait for:

• Insurance instructions

• Adjuster inspection

What Happens After the Insurance Pays?

From the policyholder’s perspective:

• The vehicle is repaired

• The claim is closed

From the insurance company’s perspective:

• The paid amount may be recovered

• From the uninsured and at-fault driver

• Through legal recovery procedures

📌 This process does not involve the insured vehicle owner.

Common Mistakes in Uninsured Driver Accidents (North Cyprus)

• Not calling the police

• Trusting verbal promises

• Leaving the scene without a police report

• Delaying claim notification

• Repairing the vehicle before inspection

These mistakes can turn a valid claim into a personal financial problem.

Frequently Asked Questions (FAQ)

Is there an accident report form in North Cyprus?
No. Only police reports are valid.

Will fully comprehensive car insurance pay if the other driver is uninsured?
Yes, provided a police report exists.

Can insurance work without police involvement?
No. Police report is mandatory.

Is a verbal promise to pay valid?
No. Only official documentation matters.

Final Rule: Words Fade, Police Reports Remain

In North Cyprus insurance practice:

Promises fade.
Words disappear.
Police reports remain.

Insurance does not work with goodwill.
It works with documents, process, and timing.

That is why insurance value is not measured when you buy the policy,
but when an accident actually happens.

One day, you will need it.
On that day, knowing the rules makes all the difference.