Publication: Karayolları motorlu araçlar zorunlu mali sorumluluk (trafik) sigortalarında sigorta tazminatının ödenmesinde kusurun etkisi
Abstract
Bu çalışmada, Trafik Sigortası mevzuat çerçevesinde ele alınarak, Yargıtay ve BölgeAdliye Mahkemesi Kararları ışığında açıklanmaya çalışılmıştır. Sigorta kapsamında meydanagelen trafik kazalarında kusurun tazminat ödemesinde ne şekilde etki ettiğine ve kapsamdışında kalan tazminat taleplerine yer verilmiştir.KTK m. 97’de bu konuya 14.04.2016 tarihinde getirilen değişiklik; zarar göreninzorunlu sorumluluk sigortasında öngörülen sınırlar içinde dava ya da tahkim yoluna gitmedenönce sigorta kuruluşuna yazılı başvuruda bulunması gerekir. Kanundaki değişikliklerle birtaraftan sigortacının sorumlulukları kapsam itibariyle daraltırken, diğer taraftan sigortacılarıntazminat yükümlülükleri yapılan açık ve somut düzenlemelerle daha öngörülebilir durumagetirilmiştir. Çalışmamın ilk bölümünde; sigorta türleri, zorunlu trafik sigortasının sigortatürleri içindeki yeri, tanımı ve unsurları, ikinci bölümünde; kusurun tazminatınbelirlenmesinde etkisi, üçüncü bölümünde; sigortacının halefiyeti ve suistimallerincelenmiştir.
In this study, Traffic Insurance has been handled within the framework of legislationand tried to be explained in the light of the judgments of the Court of Cassation and RegionalCourt of Justice. The impact of the defect on the payment of damages in traffic accidents thatoccur within the scope of insurance and the claims for damages which are not covered areincluded.Amendment to Article 97 of the Traffic Law Of Highways on 14.04.2016: theapplicant must submit a written application to the insurance institution before proceedings orarbitrations within the limits prescribed by the compulsory liability insurance. With theamendments in the law, while the liability of the insurer has been narrowed in scope, thecompensation obligations of the insurers have been made more predictable by the clear andconcrete arrangements made. In the first part of my study; types of insurance, the place,definition and elements of compulsory traffic insurance in insurance types; the effect of thedefect in the determination of compensation, in the third section; The successor of the insurerand the abuses were examined.
In this study, Traffic Insurance has been handled within the framework of legislationand tried to be explained in the light of the judgments of the Court of Cassation and RegionalCourt of Justice. The impact of the defect on the payment of damages in traffic accidents thatoccur within the scope of insurance and the claims for damages which are not covered areincluded.Amendment to Article 97 of the Traffic Law Of Highways on 14.04.2016: theapplicant must submit a written application to the insurance institution before proceedings orarbitrations within the limits prescribed by the compulsory liability insurance. With theamendments in the law, while the liability of the insurer has been narrowed in scope, thecompensation obligations of the insurers have been made more predictable by the clear andconcrete arrangements made. In the first part of my study; types of insurance, the place,definition and elements of compulsory traffic insurance in insurance types; the effect of thedefect in the determination of compensation, in the third section; The successor of the insurerand the abuses were examined.