Axa Rejected My Tesla Model Y Juniper Accident Claim Without Reason

On October 3, 2025, under rainy weather conditions, I slightly skidded with my 2025 Tesla Model Y Juniper and hit a concrete bollard and a parked car on the curb. The other vehicle sustained no damage. The following morning (October 4, 2025), I reported the incident under my Axa Extended Maximum Comprehensive Insurance Policy (Policy No: 575245669, Claim File No: 11866355) and had my vehicle towed to Mengerler Tesla Authorized Service. However, the parts order was not processed for 12 days, causing significant inconvenience. My car is still at the service center, and I have been informed that I must wait until the end of December for the parts to arrive. Later, an investigator assigned by Axa, T.K., came to my workplace and stated that my claim would be rejected anyway, that I had left the accident scene, and that if I did not withdraw my claim within two days, I would be “blacklisted and unable to receive insurance offers.” These statements were threatening and coercive in nature. Furthermore, while I was trying to clarify the incident in good faith, the investigator recorded my personal data—including Google Maps history, WhatsApp messages, and e-Government and health data—on his mobile phone without my explicit consent. This constitutes both a violation of data protection laws and unethical conduct. Despite repeatedly contacting both the Axa claims department and Sigortam.net, I received no explanation or resolution. Finally, on October 31, 2025, I was issued a rejection letter stating only that the incident was “outside the scope of coverage according to the general terms of the policy,” without providing any specific reason. As a result, I was forced to cover ₺250,000 in repair costs out of my own pocket. Although I have not been an Axa customer for long, I believe a comprehensive insurance policy should not be handled like an ordinary traffic policy. In such a situation, the insurance company should have supported me. My expectations are as follows: The unjust rejection decision should be revoked, My file should be re-evaluated objectively, The investigator’s unethical behavior should be investigated, An explanation should be provided regarding the unauthorized use of my personal data, and My damage should be fully compensated. This entire experience has seriously undermined my trust in Axa.