Range of services provided by Insurance Information and Monitoring Center (SBM) gets more diversified with technological advancements. Insurance Information and Monitoring Center (SBM) provides services to customers, insurance companies, insurance agencies and public institutions in a wide range of areas with data inquiry and audit in the liability insurance category being the main one. After Traffic Insurances Center (TRAMER) was established, numerous problems such as fake insurance policies in liability insurance category were eliminated and rate of insurance holders increased to a great extent in a short time. SBM has achieved most of its goals such as collecting at a single center all insurance related information, achieving uniformity in practices in the insurance sector, and developing reliable statistics. With its around hundred personnel comprising mostly young professionals, SBM operates at its new headquarters in Istanbul. SBM General Manager Aydın Satıcı gave information about SBM's projects and practices, services it provides to the industry and customers and the benefits of these services.
Accident Report in 10 minutes
With the mobile accident report application developed by SBM and
commissioned in October 2014, a great deal of convenience has been brought in
accident report preparation. Satıcı stated that the application, which shortens
report creation, times and provides a great deal of convenience to citizens and
insurance companies should be more widespread.
“You don’t need to have an Accident Report with you anymore, it’s on
your smart phone”
Mobile Accident Report (MKT) which is the smart phone version of the paper accident report used in accidents with material damage, brings a great deal of convenience and speeds up the report creation process. All it takes is a smart phone at the possession of one of the drivers involved in the accident, and a downloaded MKT application on his/her smartphone. Satıcı summarized the convenience and advantages brought about by the application as follows: "It takes on average, 100 minutes to complete an accident report in accidents with material damage, and it is100 minutes with the conditions that one of the drivers has a paper form with him/her, and they usually don't have a form and it takes time to find one. Also, even if you have a form, you have to enter manually a lot of information in different fields of the form such as ID number, license plate number, chassis number and registration information. And all of these take around 100 minutes. MKT brings that time down to around 10 minutes. The main purpose of SBM for developing the application was to minimize data entry during report creation. Our goal is to help the beneficiaries to complete all the process just by taking photos, scanning a QR code, leaving a voice message and signing the screen with their fingers."
“Take a picture of the accident, scan the QR code and sign the screen:
here is your accident report ready”
How does the application work?
After downloading the MKT application, the user creates a profile by entering his/her information. This profile eliminates the need to enter information at the time of report creation after an accident, speeding up the process. Satıcı summarized the process as follows: "Insurance companies print a QR code on the insurance policies and the mobile accident report scans that QR code. The drivers need to take four pictures of the accident and then when the user scans the QR code on the policy, all fields of the accident report are filled automatically. And the user doesn't have to enter any other information. He/she just needs to record the accident scenario." As the technological powerhouse of the insurance industry, Insurance Information and Monitoring Center (SBM) provides services to customers, insurance companies, insurance agencies and public institutions in a wide range of areas with data inquiry and audit in the liability insurance category being the main one. SBM General Manager Aydın Satıcı gave information about the Mobile Accident Report (MKT) commissioned by SBM in 2014 as an application that is the first of its kind in the world. Satıcı said "MKT is a good example of SBM's services being reflected back to the industry as benefits". The drivers first determine the impact spot on the vehicle, then set the accident scenario on the map and the map and vehicle information is retrieved automatically. For instance, let's say a truck and a car collided. Then a truck and car picture appears on the screen. Users then just set the orientation of the vehicles on the screen. Then they make a voice recording about how the accident took place. Then two signature fields appear on the screen and drivers sign the screen with their fingers. And the report is sent to the e-mail addresses of drivers in PDF format."
Claim notifications are sent by MKT as well. MKT brings convenience in claim notifications as well. Aydın Satıcı said "In most cases, the beneficiary doesn't even have to send a claim notification. With MKT, the insurance company is instantly notified about the claim. For instance, let's say two vehicles are involved in an accident and they both have liability insurance and comprehensive coverage. It doesn't matter if these four policies were made by different countries. Once the mobile application report is created, we send notifications to all the insurance companies involved instantly. This way, the insurance companies are notified about the accident even before the drivers leave the accident scene. Some insurance companies contact their beneficiaries directly after this notification and express their condolences and start the claim process right away".
“While it takes 14 days to determine fault rates with paper forms,MKT brings that time down to 1-3 days”
Beneficiaries no longer have to wait for days for accident processing
MKT shortens the time it takes for claim filing,
determining fault rates and finalization of the claim file to a great extent.
Aydın Satıcı summarized the benefits of MKT over a paper form as follows: “With
a paper form, you might have to spend hours at the accident location trying to
fill the accident report. Also you have to put all your documents in an
envelope and send it to your agency, which in turn sends them to the insurance
company with a courier service, and it takes at least 24 hours for that to
arrive at the insurance company. After the insurance company receives the documents,
the claim department has to enter all that data manually in the system. But
with MKT we don’t need any of them anymore. With MKT, all information,
pictures, voice recordings, location information are instantly saved in SBM’s
and insurance companies’ systems. Even before the beneficiary notifies anyone,
the insurance company calls the beneficiary and gives him/her information about
the claim process. Then the process starts for reviewing the accident report
and determining the claim rates. While it takes 14 days to process paper forms,
with MKT it is as short as 1-3 days.” MKT will ease traffic jams caused by
accidents. In big cities, one of the reasons for traffic jams is vehicles
blocking the road after an accident as the drivers are reluctant to leave the
accident scene until accident reporting process is completed. MKT brings a
solution to that problem as well. The application both shortens processing
times and guides the drivers so that the traffic would flow. Once the pictures
of the accident are taken, on the application screen, it writes “Please pull
your vehicle to the side of the road in order not to block the traffic”. Then
the on the screen, it writes “If you pulled your car to the side please press continue”.
Satıcı said “Usually in accidents with material damage, the main reason for report
creation to take too much time is lack of knowledge and negligence. For
example, most drivers don’t know that they don’t have to wait for an officer to
arrive at the scene in an accident with material damage or they spend time
trying to find a paper form. And when they find a form, they fill the form at
the accident spot. And the vehicles remain where they are and block the
traffic. In fact, even with a paper form, after taking pictures of the
accident, they are allowed to pull the vehicles to the side and complete the
process after that. But we can’t expect everyone to know that. There are
currently 16 million liability insurance policies and it’s impossible for all
drivers to know these things. But when they have MKT application on their
phones, they can complete the process easily and quickly thanks to the guidance
provided by the application. Mobile accident report minimizes the processing
times. It will help decrease traffic jams to a great extent especially in big
More detailed information to be collected about accidents
Another benefit of MKT is that it helps collect
healthier and more diverse statistics about traffic accidents. Satıcı stated
that MKT would allow them to collect more detailed information about accidents:
“On average, around 850 thousand accidents with material damage take place in
Turkey in a single year. When these accidents are recorded using the mobile
accident report, we’ll have more detailed information about accidents such as
most common accident spots, accident times, causes of accidents and vehicle
types. Based on these data, it would be easier to determine the measures to be
taken to minimize accidents. Like where you need to put traffic lights or
bumper. The mobile accident report provides us with information like on what
streets in Istanbul accidents take place most frequently and what are the main causes
of them. And we share that information with everyone. All local governments, security
general directorates, governor’s offices can login to SBM website to see where
accidents take place most frequently and take measures accordingly.”
“Around 700 accident reports are created with MKT every month. 400 thousand people downloaded the application until today”
Satıcı indicated that the mobile accident report is
the outcome of the advanced electronics infrastructure of SBM and Turkish
insurance industry. Satıcı stated that if it wasn’t for this integrated infrastructure
MKT application couldn’t have been possible. Aydın Satıcı said “Only a few
countries in the world have organizations like SBM. And where there is such an
organization there’s no instant data transfer like we offer. For instance U.K.
has a really advanced insurance industry. Even there, data is transferred on a
weekly basis. It is not possible to use a real time mobile application with
weekly data transfer. In our situation, the insurance agency, insurance company
and SBM work in synch. And for the mobile accident report to work, you must
have this system in place. Mobile accident report is not sufficient on its own.
Today, anyone with software programming knowledge can write this application.
The real success of the project stems from the ability of SBM to integrate its
electronic infrastructure. In other terms it is the achievement of the
industry. Today it is thanks to the instant sharing of 32 non-life insurance
policies with us that we can bring this application to life. Mobile accident
report is a good example of SBM’s services being reflected back to the industry
Insurance Information and Monitoring Center (SBM) General Manager Aydın Satıcı:
"MKT is the first of its kind in the world and we need to make it more widespread"
"MKT is not widely used yet. Even though the application was commissioned in October 2014, still only 1% of all accident reports for accidents with material damage are prepared using the application. With the mobile application, around 700 accident reports are created every month. Until today, 400 thousand people downloaded the application. Because MKT is not promoted well enough, and because it's the first of its kind in the world, citizens are a little reluctant to use it. However, those using the application are quite happy with it. One user said the following about the application: 'It's an amazing application, we finished all the process in only 10 minutes but it took one hour for me to persuade the other person to use the application. Because the other person didn't believe that the application could be possible in Turkey.' We know our application is the first of its kind in the world but it's not very popular yet and that's a disadvantage. We wouldn't have this problem if it was more popular in the world."
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