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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 authorised registered insurance adjuster. We explain the core difference, the legal basis, and which one gives your file stronger evidence.
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. Knowing the difference helps you choose the right path after an accident — especially when there is a risk of dispute with the other party.
On this page we put the two documents side by side for a fair comparison: who prepares them, which law they rest on, what they contain, when each is useful, and why the adjuster report offers stronger protection when a dispute is at stake.
~45 sn
Çağrı yanıt süresi
7/24
Uzman hattı
81 il
Türkiye geneli
4.7/5
145 değerlendirme
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 technical opinion, and is not reviewed by an expert. It becomes valid with the parties’ signatures, but everything it contains depends entirely on what the drivers declare.
The adjuster report is the Material Damage Traffic Accident Determination Report drawn up by an authorised registered insurance adjuster under Insurance Law 5684 art. 22/17. It may include an adjuster’s technical opinion and a sketch. Because it carries an independent expert’s assessment rather than only the drivers’ statements, it forms a stronger evidential basis in claim and dispute processes.
Don’t confuse it with the SBM Mobile Accident Report (ALO KTT)
A third concept is also frequently confused: the SBM Mobile Accident Report (ALO KTT). This is a mobile app drivers fill in among themselves on their own smartphones, and is essentially a digitised mutual report — it is still statement-based and contains no independent adjuster opinion or adjuster sketch. Alo Tutanak’s service is different: the process produces the adjuster report signed by an authorised registered insurance adjuster.
App, call line and guidance are free; adjuster fee handled under law and contract terms
What does each contain? A content comparison
The content of the two documents also explains why they carry different weight.
Mutual report
Driver and vehicle details, place/time of the accident, a driver-drawn sketch and the parties' statements. There is no independent adjuster opinion.
Adjuster report
On top of all party/vehicle details, a sketch drawn by the authorised adjuster, a technical opinion and an expert assessment. It is ready for the insurer's claim file.
Common ground
Both are only for material-damage accidents without injury. If there are injuries or an urgent safety risk, call 112.
Which one to choose, and when
When the parties agree on fault, the statements are clear and the damage is minor, the mutual report may do the job. But the adjuster report stands out clearly in these situations:
The other driver won’t accept responsibility — the independent adjuster’s opinion supports the file.
Statements conflict — the expert assessment adds technical evidence.
The damage is large — a solid technical opinion protects your file in high-value claims.
The incident is disputed or a dispute may arise later — the adjuster report is a strong basis.
How does it work?
1
Call the line or open the app
At the moment of the accident, call the free 24/7 call center or start the record in the mobile app. Calls are answered in about 45 seconds.
2
Share the scene
Without moving the vehicles, share photos, video and the location; pass on the other party's details.
3
The adjuster assesses
The authorised registered insurance adjuster draws the sketch, forms the technical opinion and prepares the report.
4
Insurer-ready file
Completed with a digital signature from both parties, the report is sent to the insurer for the claim file.
Why is the adjuster report stronger?
Unlike the simple mutual report drivers fill in themselves, the adjuster report sets out the technical opinion through an independent insurance adjuster’s review. This gives your claim file and any future dispute process stronger evidence. Even when statements conflict, the file is not limited to the drivers’ declarations.
Safety and compliance note
The adjuster report is drawn up under Insurance Law 5684 art. 22/17 by an authorised registered insurance adjuster. Your personal data is processed in compliance with KVKK (Law 6698). The process is only for material-damage accidents without injury.
The adjuster report process with Alo Tutanak
Alo Tutanak starts the authorised adjuster process at the moment of the accident via a free 24/7 call center and mobile app. Since 2017, thousands of adjuster report processes have been handled across 81 provinces of Turkey. The app, call line and guidance are free; the adjuster fee process is handled under Law 5684 art. 22/19 and the relevant insurance contract terms.
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 independent adjuster opinion. The adjuster report (eksperli tutanak) is drawn up by an authorised registered insurance adjuster under Insurance Law 5684 art. 22/17, and may include a technical opinion and sketch.
Because it is prepared by an independent insurance adjuster and includes a technical opinion and a sketch. Unlike the simple mutual report drivers fill in themselves, it puts your claim on solid ground even when statements conflict.
The mutual report is a valid method, but it can be weak when the parties disagree or statements conflict. The adjuster report can reduce these risks with independent technical assessment.
The app, call center and expert guidance are free. The adjuster fee process is handled under Law 5684 art. 22/19 and the relevant insurance contract terms.
No. The SBM Mobile Accident Report (ALO KTT) is an app drivers fill in among themselves on their own phones; it is statement-based and contains no independent adjuster opinion. The adjuster report (eksperli tutanak) is drawn up by an authorised registered insurance adjuster and may include a technical opinion and sketch.
If the parties agree and the incident is clear, a mutual report may be enough. If the other party won't accept responsibility, statements conflict, the damage is large, or the incident is disputed, the adjuster report provides stronger evidential support.
