Zurich Rejected My Windshield Claim Without Proof Despite Active Policy Coverage

Zurich Insurance has rejected my claim application with only verbal explanations, without providing any written justification, and has deliberately ignored my repeated requests for a written response. Now, they are trying to evade responsibility by completely referring the process to the SEDDK. The company's avoidance of making a direct and reasoned explanation on its own initiative is merely a strategy to wear down the consumer by prolonging the process. However, their allegations are based solely on assumptions, and there is clear evidence such as photographs and site records showing that the damage occurred within the policy period. As of today, my application to the Consumer Arbitration Committee has also been officially submitted. This process is now being pursued not only on an administrative level but also on a legal basis. Zurich Insurance’s approach in this process is contrary to both insurance law and consumer rights. I will continue to share this process on various public platforms.

After a long series of complaints, they agreed to cover the glass damage. We went through a stressful process that lasted about 2 weeks. Of course, when I received the vehicle, I saw that instead of the 'original glass' required by my policy, a 'replacement glass' was installed without my knowledge or approval. Their discouraging policies were partially effective, and I gave up insisting on receiving my full entitlement. Although the issue was partially resolved, I cannot extend my thanks since I did not receive my full rights.