Transportation Insurance Claim

In the transportation services sector, mandatory insurance is required according to the road, sea, and rail regulations. According to the passenger transportation law, Law No. 4925 on Road Transportation, financial liability insurance will be used to determine the compensation value based on the insurance coverage in cases of accidents, death, injury, or damage to property.

Who is required to obtain transportation insurance?

transportation insurance claims , the authorization certificate must specify the vehicle and driver of the institution whose purpose is to transport people or goods for a fee, and ensure that the coverage is complete. Transportation insurance is mandatory for the protection of material and non-material assets, regardless of whether it's a long-distance or short-distance journey.

• Transportation insurance coverage includes death coverage, medical expenses coverage, or disability coverage.
• The insurance policy must be arranged according to Turkish time, paying attention to the start and end dates.
• Medical support, treatment for injuries, and the causes of disability resulting from an accident or death are determined on a case-by-case basis.
• The deadline for applying for compensation for the accident is set at 30 business days, and it is deemed appropriate to notify the insurer within 60 business days.

Coverage Scope of Transportation Insurance

Transportation insurance compensationvaries depending on the institution or person transporting people and goods. Within the scope of road, sea, and rail regulations, potential accidents, deaths, and injuries are covered in the contract clauses.

The institution or person responsible for the accident will be liable for compensation under the death insurance scheme. In cases of injury or requiring medical treatment, the individual will also be subject to compensation claims for their incapacity to work. In cases of disability and treatment, the individual will also be financially responsible for first aid, examination, hospitalization, and home care.

What does transportation insurance do after an accident?

The insurance company will be responsible for covering the costs of the accident and providing support for the financial losses of the institution or individual according to the policy clauses. Depending on whether the accident was caused by another party's fault or wrongful act, or whether it resulted from the fault of the driver or the oncoming vehicle, the insurance clauses may be authorized to cover the damages.

The mandatory insurance policy for passenger transportation initiates the process for claiming damages, accepting applications within 30 to 60 business days.

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