Zorunlu Trafik Sigortası Nedir? Nasıl Yaptırılır?

KARAYOLLARI Trafik Kanunu uyarınca, tüm motorlu kara taşıtları, trafiğe çıkmadan önce sigortalanmak zorundadır. Zorunlu sigortalar kapsamındaki trafik sigortası, araç bir kazaya karışması halinde , karşı tarafın ve üçüncü kişilerin araçlarına ya da  bedenlerine verilen hasarları karşılayan sigorta türüdür.

Zorunlu trafik sigortası teminat limitleri Hazine Müsteşarlığınca belirlenir. Tüm kişi ve araçlar için teminat limitleri ve kapsamları aynıdır.

Trafik sigortası olmayan veya trafik poliçeleri yenilenmemiş araçlar tespit edildiğinde trafik ekiplerince bağlanır. Aracı yeniden trafiğe çıkarabilmek için önce bir ceza ödemek, üstüne trafik sigortası için yeniden para ödemek gerekmektedir ki, tüm bu süreç pek çok kişi için mühim bir vakit ve para kaybı demektir.

Zorunlu trafik sigortası nasıl yaptırılır?

Zorunlu trafik sigortası Trafikte sigortalı dışında kalan, diğer  üçüncü kimselere verilecek maddi, bedeni hasarları ve zararları karşılayabilmek için düzenlenir. Kaza sonucu neden olunan maddi zarar trafik sigortasıyla limitler dahilinde ve olaydaki kusur oranında tazmin edilmektedir. Bağımsız eksperlerce belirlenen bu kaza kusur oranı örneğin %50 olarak belirlenmişse, sigorta üçüncü şahısın zararının yarısını tazmin edecek anlamına gelir.

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