Ray Insurance Delays Total Loss Payout for Over Three Months

On November 4, 2025, we were involved in an accident, and after the inspection, our vehicle was declared a total loss. On November 8, 2025, Ray Insurance opened and processed our claim file. After several months passed, we tried to contact them, but reaching them was nearly impossible. When we finally managed to get in touch after great effort, they informed us—only then—that there were missing documents. If we had not called, they would not have informed us at all. We sent the missing documents immediately on the same day.

Another month has passed since we sent the documents, yet our file still shows “missing documents,” and we still have not received any result. It has now been over three months, and they have still not paid our compensation. Instead, they keep stalling us by repeatedly using the excuse of missing paperwork.

I request that our grievance be resolved immediately. Otherwise, I will file complaints with the Banking Regulation and Supervision Agency (BDDK), the Insurance Arbitration Commission, and, if necessary, the courts. I do not want to keep hearing the same excuses over and over again, such as “there are missing documents,” “the process is ongoing,” or “payments are made only on Mondays, Wednesdays, and Fridays.” We have heard these explanations countless times as a family.

We have been suffering for more than three months, and we demand that Ray Insurance pay the compensation we are legally entitled to without any further delay.

Claim File Number: 11222501829