Are the mutual report and the adjuster report the same thing?

No. The mutual report (anlaşmalı tutanak) is a simple form drivers fill in among themselves under Highway Traffic Code (KTK) art. 81; it contains no fault finding. The adjuster report (eksperli tutanak) is drawn up by an SBM-registered insurance adjuster under Insurance Law 5684 art. 22/17, and includes a fault opinion (kusur kanaati) and a sketch (kroki).

Why is the adjuster report stronger?

Because it is prepared by an independent insurance adjuster and includes a fault opinion and a sketch. Unlike the simple mutual report drivers fill in themselves, it puts your claim on solid ground even when statements conflict.

Will filling in a mutual report cause problems?

The mutual report is a valid method, but it can be weak when the parties disagree on fault or statements conflict. The adjuster report removes these risks.

Does the adjuster report cost anything?

No. The app, call center and expert support are free for the user; the adjuster fee is allocated from the traffic insurance under Law 5684, so you pay nothing out of pocket.

Comparison

Mutual Report vs Adjuster Report

The mutual accident report drivers fill in themselves is not the same as the report drawn up by an SBM-registered insurance adjuster. We explain the core difference, the legal basis, and which one protects you more strongly.

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✓ Law 5684 art. 22/17
✓ Licensed adjuster
✓ Free 24/7 hotline
✓ KVKK compliant

Two reports, two different legal bases

After a traffic accident, two documents are often confused. The first is the mutual report (anlaşmalı tutanak), the second is the adjuster report (eksperli tutanak). Both are used in material-damage accidents, but their legal weight and content are completely different.

The mutual report is a simple form drivers fill in among themselves at the scene, under Highway Traffic Code (KTK) art. 81. It relies on the parties’ statements, contains no fault finding, and is not reviewed by an expert.

The adjuster report is the Material Damage Traffic Accident Determination Report drawn up by an SBM-registered insurance adjuster under Insurance Law 5684 art. 22/17. It includes an adjuster’s opinion, a fault finding (kusur kanaati) and a sketch (kroki).

For a more detailed comparison, read our blog post: Mutual Report vs Licensed-Adjuster Report: The Difference.

Comparison table

Feature	Mutual Report	Adjuster Report
Legal basis	KTK art. 81	Law 5684 art. 22/17
Who prepares it?	The drivers themselves	SBM-registered insurance adjuster
Fault finding	None	Yes (fault opinion)
Sketch	Drawn by the driver	Adjuster’s sketch
Expert review	None	Yes
When statements conflict	May stay weak	Stays strong
Cost to user	Free	Free (adjuster fee from insurance)

Which one protects you more strongly?

When the parties agree on fault and the statements are clear, the mutual report may be enough. But when the other driver won’t accept fault, statements conflict, or the incident is disputed, the mutual report stays weak.

Unlike the simple mutual report drivers fill in themselves, the adjuster report sets out the fault finding through an independent insurance adjuster’s opinion. This puts your claim file and any future dispute process on much firmer ground.

The adjuster report process with Alo Tutanak

Alo Tutanak starts the SBM-registered adjuster process at the moment of the accident via a free 24/7 call center and mobile app. The entire process is free for the user — the adjuster fee is covered by the traffic insurance under Law 5684, so you pay nothing out of pocket.

Call 24/7: +90 216 888 15 46 View a sample report (PDF)