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General Terms of Compulsory Traffic Insurance and
Liability of Social Security Institution
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Att. Yesim Tokgoz
In Turkey, every year, hundreds of people lose their lives or are
rendered handicapped due to traffic accidents. Unfortunately, because
of the Ramadan festival and summer season, we will be faced with
these tragedies more frequently. Losses suffered in traffic accidents are
covered by Compulsory Third Party Liability Insurance (“Compulsory
Traffic Insurance” or “CTP”), Assurance Account in the absence of
CTP, Optional Traffic Insurance, Green Card Insurance and the Social
Security Institution (“SSI”) pursuant to the Law of Road Traffic num-
bered 2918 (“Law”). In this article, we discuss the SSI’s liability for
health costs that arise stemming from these traffic accidents within the
scope of the General Terms of the CTP, which entered into force on
01.06.2015 (“General Terms”), and which is synchronized with the rel-
evant legislations regulated in 2011.
Scope of the Coverage
According to the CTP, the insurer fulfills the legal liability of the
insured as a result of an act which causes death, or damages suffered
by third parties, or damages objects. The liability of the insurer is limit-
ed by the legal limit of compulsory insurance at the time of the accident,
and the coverage types that are determined under the General Terms.
Coverage limits of compulsory insurance are regulated under the
Regulation on Tariff Implementation Principles for Compulsory Third
Party Liability Insurance of Motor Vehicles (“Tariff”). The types of
insurance coverage counted under the General Terms are material dam-
ages, health expenditures, permanent disability and loss of support.
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NEWSLETTER 2015
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Article of June 2015