Chain (pile-up) collision
On motorways and fast arteries, pile-ups involving several vehicles in succession are complex in party count and damage order; each car's role needs separate review.
Fault assessment: In a pile-up, fault may spread across several drivers by following distance, speed and braking order rather than one party; the adjuster maps each impact to set ratios.
Step by step
- 1
Personal safety first
When exiting, watch traffic from behind, place the reflector at a safe distance and step behind the barrier.
- 2
Injuries mean 112
Multi-vehicle crashes carry high injury risk; if anyone is hurt, call 112 first and 155 if needed.
- 3
Document the order
Record the vehicles' resting order and plates; call the expert line to learn how the multi-party process unfolds.
- 4
Adjuster assessment
The adjuster examines each car's contact sequence, forms a separate fault opinion per party and issues the official report.
- ✓ Law 5684 art. 22/17
- ✓ Licensed adjuster
- ✓ Free 24/7 hotline
- ✓ KVKK compliant
The adjuster-report difference
Unlike the mutual report drivers fill out among themselves, in this scenario the report is prepared by an independent, SBM-registered insurance adjuster who supports the fault opinion with a sketch. The service is also distinct from SBM's own Mobil KTT / ALO KTT apps; an independent expert assessment helps prevent disputes between the parties.
What's included
Independent fault opinion
An SBM-registered insurance adjuster makes an independent fault assessment that ends the argument between the parties.
Sketch and official report
Issued under Law 5684 art. 22/17 with a sketch and the adjuster's signature; accepted by all insurers.
Remote and free
No need to leave the scene; photo/video/location sharing is completed remotely and the service is entirely free for the user.
Frequently asked questions
Who determines fault in a chain (pile-up) collision?
Fault ratios are determined not by the parties but by an independent, SBM-registered insurance adjuster, who bases the opinion on a sketch and the relevant legislation.
Is the service paid?
No. It is entirely free for the user; the adjuster's fee is covered through the traffic insurance under Law 5684.
What should I do if there are injuries?
Call 112 first and 155 if needed. Alo Tutanak is only for property-damage crashes.
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