Motor Vehicle Liability Insurance Regulation

Dear Colleague, Highways Compulsory Motor Vehicle Liability Insurance Regulation on the tariff application
The guidelines are listed below changes.
Regards
SAB-Insurance Agents Association
General Secretariat of the Board of Directors
Published in the Official Gazette: 14.07.2007 - 26582
Publishing Organization: Treasury (Prime Minister)
SECTION
Purpose, Scope, Basis and Definitions
Purpose and Scope
ARTICLE 1 (Amended OG 19.06.2013-28682) (Effective 01/01/2014)
(1) The purpose of this regulation is determined by the Minister in charge of the Treasury highways compulsory motor vehicle liability insurance rates freely determined by the insurance companies to regulate the procedures and principles.
(2) This Regulation highways compulsory motor vehicle liability insurance coverage; insurance premiums, insurance companies identified with the principles of the primary cuts and increases to the implementation of the minimum amount of insurance for motor vehicle-related professional activities with those race organizers have to have their liability insurance provisions related to covers.
basis
ARTICLE 2
(1) This Regulation, 06/03/2007, dated 5684 Insurance Law Article 12 and 12.09.1994 No 4059 dated Treasury and Foreign Trade Organization and Duties of the Law on Article 2 of the first paragraph (e) to has been prepared based.
Definitions
Article 3 (Amended OG 19.06.2013-28682)
(1) In this regulation;
a) Minister: the Minister in charge of the Treasury,
b) The Union (OJ different 19.06.2013-28682) Turkey Insurance, Reinsurance and Pension Companies Union,
c) (Repealed: RG 6.2.2008-26779)
d) Operator: 10.13.1983 dated and 2918 operating area defined in the Highway Traffic Act,
d) The Undersecretariat of Treasury,
e) Insurance company: Motor vehicles liability insurance branch of the insurance company that owns the license,
f) Insurance coverage: Traffic insurance provided under the collateral and treatment costs, disability and death assurances,
g) Traffic Insurance: In accordance with the Road Traffic Act 2918, which must be built highways for motor vehicle liability insurance,
i) (Amended OG 19.06.2013-28682) TRAMER: Traffic Insurance Information and Surveillance Center,
means.
PART TWO
Motor Vehicle singly
The determination of the principles of insurance premiums
Article 4 (Amended: OG 6.2.2008-26779)
(1) (Amended: OG-19.06.2009-27263) Traffic insurance premiums, insurance companies within the framework of this Regulation shall be determined freely.
(2) (Amended: OG-19.06.2009-27263) Insurance companies are obliged to act in accordance with the provisions of this Regulation. Insurance companies, subject to the provisions of Article 15 of this Regulation, including statements contained in the regulation of additional provinces by vehicle type may determine on the basis of the basic insurance premium freely. Insurance companies determine this amount, 10% of discount and increase the range of 20% to exceed freely increase and / or reduction can determine the cause. Insurance companies determine their premiums can not change 6 months ago. Undersecretariat increase the premium stated in this paragraph, or completely remove the upper limit is authorized to increase.
(3) have the same risk on behalf of an insurance company vehicles and / or for those who operate out of the same premium regulation of insurance contracts concluded are essential. "
Discounts and increase the implementation of
Article 5 (Amended: OG 6.2.2008-26779)
(1) No claim discount on premiums and damage due to premium increases due to the steps in this article are based on.
Step Number Discount% Increase%
7 20 -
6 15 -
5 10 -
4 - -
3 - 20
2-40
1-60

(2) Operating traffic will be going for the first time as a primary step increases and reductions are free.
(3) Insurance, which operates within the contract period Failure to pay any compensation for the subsequent insurance premium discount will be applied at the contract rate is determined based on a higher level. Occurring within the insurance period for the payment of any compensation to be applied in the subsequent contract of insurance premium rate increase is determined based on a lower rung.
(4) payment of compensation due to the premium reduction or increase the primary operator of the application will follow.
(5) A vehicle operator to more than one motor vehicle there, or more than one motor vehicle of an enterprise name or business name or under this undertaking interrupted by the ticket are operated each vehicle separately for insurance contracts made ​​and to be implemented primary places each vehicle is determined separately for.
Submission of the required documents and should be kept
ARTICLE 6
(1) Primary care for the determination of the insured;
a) Sale of incurred but not yet on vehicles registered in the name of the notary bill of sale or invoice or other document that shows the process; to the previous owner of the vehicle a copy of vehicle registration; If the transport document,
b) made ​​on behalf of registered vehicles; copy of vehicle registration, if any, transport document,
is obliged to submit.
(2) the insured to the insurer's latest policy information from the database can not be controlled by the insured in the event TRAMER recent policies of such insurance shall be submitted to the company.
(3) The insurance company, insured by the submitted documents and tramer receivable from injury status certificate, depending on the insurance contract applicable discount and raise rates belirler.p I care for the determination of vehicle sales shows the process of the document or vehicle registration by and in appropriate cases, the last policy eg submission of the possible failure of primary care, primary care with the highest increase in the premium rate is calculated by adding 10%.
(4) Insurance companies claim bonus or compensation due to premium increases applied in the case, the insurance contract on the injury status of the document date and the number of write and damage state documents, document or electronically at least three years is required to keep.
Timely renewal of insurance contracts
Article 7 (Amended: OG 6.2.2008-26779)
(1) Vehicle operating as of the date of expiry of those insurance contracts are obliged to renew. Vehicle operating from the date of expiry of the insurance contract renewal every 30 days to perform the following insurance contract premium, limited to 50% by the addition of 5% is calculated.
Discounts and increase the account)
ARTICLE 8 (Amended: OG 6.2.2008-26779)
(1) Discounts and raise rates, insurance premiums collected to apply but are applied in succession.
Tools and mandatory road transport operator of the adjective Acquiring liability insurance discount
Article 9 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Vehicle operator of the title winners won this title as of the date they are required to have auto insurance. From that date, the insurance contract is not fulfilled the obligation to do the following for each insurance contract premiums in thirty days, limited to 50% of the premium is calculated by adding 5%.
(2) subject to the Road Transport Law No. 4925 intercity and international passenger carriers, passenger bodily harm that may be required by law for this book Compulsory Liability Insurance Road Freight they are discounted by 20 percent in the case of certification. "
Vehicle operating loss of new adjectives
Article 10 (Repealed: RG 6.2.2008-26779)
The change in operating (Amendment 19.06.2013-28682 RG)
ARTICLE 11
(1) Insurance contracts, contracting araçişlet Panini will follow. In all cases where the changed operating current contract shall be automatically terminated as of the date of change and concerned premiums will be refunded on a daily basis. However, the current contract for the duration of the operating onbeşg from the date of the change without any processing and payment of premiums is also valid for the new operating.
(2) Operator, which has information about the new vehicle to the insurance company informs. Operating-claims to be the owner
discounts for vehicles in hakkıaynıtür continues. In the case of operating araçedin introduce different types premiums are determined according to the second paragraph of Article basamağı5. Artırımıuygulan primary will be held on a new contract for operating kaldığıyer continues from the primary step. "
Instruments issued abroad
Article 12 (Repealed: RG 6.2.2008-26779)
Short-term insurance
ARTICLE 13
(1) the insurance period is one year. However, the temporary plate vehicles, 10.07.2003 dated and 4925 numbered Law on Road Transport subject to international goods and passenger carriers and international multilateral or bilateral agreements falling under foreign license plates of vehicles in Turkey, the current international or bilateral agreements are accepted by insurance or their introduction to traffic insurance for Turkey's borders can be done during the short-term insurance. Short-term insurance, this does not apply to vehicles outside.
(2) Short-term insurance premium amount, calculated from the fourth digit of not less than 25% of the annual premium basis shall be determined by the day.
(3) Short-term insurance does not apply to claims bonus. However, due to damage to these contracts Compulsory Transport Insurance premium increases and discount is applied.
(4) Short-term insurance contracts issued following the new insurance contract claims discount does not apply in the case of the year.
Optional liability insurance
ARTICLE 14
(1) This regulation or determined by the Minister to give guarantees on the minimum amount of collateral, voluntary liability insurance of motor vehicles to be covered by the additional premium is permitted provided.
Tariffs are determined by the insurance company
Article 15 (-Başlığıyla- Amended: OG 6.2.2008-26779)
(1) Insurance companies with Article 4 of this Regulation and the increase in the range of discounts granted to them may determine, subject to the tariff. Tariffs, in the preparation of data on the sector in general in the eyes of TRAMER be taken into consideration and implemented at least 15 days before being sent to the Undersecretariat of TRAMER is essential. Company tariffs will be prepared by the actuarial report about the company official to be readily available for inspection at the company headquarters is stored. Justification for tariffs summary is transmitted to the Treasury by the companies.
(2) TRAMER sent to him tariffs, traffic on the existing damage and third party liability insurance premiums across the state by putting data on tariffs to be considered in the evaluation transmit to the Treasury.
(3) insurance policies TRAMER have to be organized through a database. Insurance companies, determined on the basis of provinces according to the type of vehicle insurance premiums according to data from the main database TRAMER traffic insurance policy can not be issued without preparation. Besides TRAMER compliance with the provisions of this Regulation within the scope of Article 4 and the increase of the range of discounts granted to companies that have exceeded the controls.
(4) The Union within the framework set by the Undersecretariat but are not binding tariff can prepare Traffic Insurance Guide. Tariff Guide is published on the website of the Union.
changes
Article 16 (Amended: OG 6.2.2008-26779)
(1) The Undersecretariat of insurance companies 4 in accordance with Article increase and reduction within the limits-determined amount of premiums to insurance companies financial structure, taking into account the sector of unfair competition prevention and insurance compliance with the principles in the framework of the above-mentioned period of time without regard to modify.
Public institutions and organizations of the traffic insurance auctions
ARTICLE 17
(1) (Amended: OG 6.2.2008-26779) Public institutions and organizations in the tender offer will be traffic insurance premium is determined by insurance companies as a freelance.
(2) under this clause traffic insurance insurance companies winning tenders, procurement tender information no later than 3 business days from the date sends tramer. TRAMER tender information on a monthly basis to the Treasury informs.
PART THREE
Businesses Related to Motor Vehicle Finds
guarantees
ARTICLE 18
(1) Motor vehicle-related professional activities undertaking of the owners, supervision, repair, maintenance, purchase - sale, vehicle modifications for the purpose or a similar purpose, he dropped a motor vehicle damage caused due to which they are subject responsibility for liability insurance are required to have.
Detection of primary
ARTICLE 19
(1) Premiums are determined freely by insurance companies and is charged in advance. Premiums in the determination of the insured risks affecting the other factors together with the supervision of the operator (parking-garage) and the purchase and sale of dealing with (auto dealerships) for businesses workplace tools location capacity, repair and maintenance of the undertaking (gar-service station) for businesses in the workplace constant number of employees based on accepted.
(2) the transfer of workplace activities, stop, or the like, in case of termination of the insurance contract terminated. The insurance company is entitled to the termination date of the insurance contract premiums are determined on a daily basis and will be returned to the Insured more.
PART FOUR
Race Organisers
guarantees
ARTICLE 20
(1) Race organizers, race participants and assist people during the race against third parties whose responsibilities to meet the racing or participating in the protests that accompanied them, and the race or at the demonstration of the tools used according to the type of this Regulation motor vehicle operators for the prescribed minimum benefits which includes liability insurance must be .
(2) Cycling participated in demonstrations collateral for bicycles, motorcycles or cargo bikes for those operating under the collateral can not be determined.
Detection of primary
ARTICLE 21
(1) Premiums on insurance companies and show organizers of the race shall be determined and shall be paid in advance.
Insurance period
ARTICLE 22
(1) The term of the insurance contract made ​​before the race with racing and training also shall include proof.
SECTION
Miscellaneous and Final Provisions
information
ARTICLE 23
(1) in the insurance policy, the policy basis for the regulation of the causes and raise the discount name, along with rates and amounts must be shown legibly.
The amount of collateral to be applied to new contracts in force
ARTICLE 24
(1) This regulation determined by the amount of collateral all insurance contracts in force is applied without any additional premium.
(2) Insurance companies organized policy front sides of the "Agreement during the period of the Treasury The Minister in charge by the amount of collateral increased, if this policy written guarantees provided, any transaction without the need and additional premiums without new guarantees on the amounts will be valid." must write the phrase.
Records and information to be communicated to policy tramer
ARTICLE 25
(1) Insurance companies, online traffic generation must realize that insurance policy. (Amended: OG 9.12.2009-27427, Effective: 01/01/2010) Traffic Insurance Information Center on insurance policies that you create for each insurance Insurance Information and Computing Center Number Reference Number must be printed in a minimum 12 pt.
(2) insurance companies, auto insurance policy and damage data on the most one-day delay is obliged to transmit tramer.
Compulsory motor insurance stamp
ARTICLE 26
(1) Insurance companies, Turkey Insurance and Reinsurance Companies of the Union printed by the serial number and insurance company name and the insurance period, showing the Compulsory Traffic Insurance Stamp insured vehicle windshield to be glued insurance contract with the insured must give.
Clearing-house
ARTICLE 27
(1) more than one vehicle was involved in a traffic accident injured person, vehicle insurer or to any of the Insurance Act 5684, in cases provided for in Article 14 of assurance may wish to eliminate loss account applying. Paying expenses insurer or security account, the amount you pay may request to be shared in proportion to the responsibility.
(2) to be made under this Article subrogation claims dated 04.11.2007 and published in the Official Gazette No. 26490 Traffic Insurance Information Center of the second paragraph of Article 5 of Regulation (i) specified in the clearing house will be compensated through.
Privacy
ARTICLE 28
(1) insurance companies determinations made ​​under Article 4 TRAMER Board members will not be in any way.
(2) TRAMER TRAMER with members of the Board of Directors during these tasks and duties of staff at the end of tramer not use the information communicated in any way, I can not share with someone. By TRAMER under this Article and under the responsibility of the Undersecretariat of people without public office deems appropriate confidentiality undertaking is taken.
sanctions
ARTICLE 29
(1) This regulation or acting contrary to the principles of insurance companies and agents of the Insurance Law 5684 of the second paragraph of Article 34 (j) of the administrative penalty should be applied.
Belonging to 2007 and 2008 tariffs
PROVISIONAL ARTICLE 1
(1) of the Insurance Law 5684, the first paragraph of Article 12 of this Regulation within the scope of the rates specified in this Regulation, are included in the appendix.
The principles to be applied in 2007 and 2008
PROVISIONAL ARTICLE 2
(1) the scope of the first paragraph of Article 15, provided they are off to 2007 guidelines prepared by the Union to be certified until 07/15/2007 will be sent to the Treasury. The guidelines approved by the Undersecretariat shall enter into force on 08.01.2007. 6-month period referred to in Article 16 on 1/1/2008 does not apply to the provisions to be implemented. This will come into force on the date until 11.30.2007 at the latest bids on the merits shall be submitted to the opinion of the Undersecretariat.
Tramer in 2007 will be made by checks
PROVISIONAL ARTICLE 3 (Amended: OG 6.2.2008-26779)
(1) until the date of 07/01/2008 as part of the third paragraph of Article 15 will be made by tramer control, compliance with the principles are taken into account.
PROVISIONAL ARTICLE 4 (Additional Item: RG 6.2.2008-26779)
(1) 07.01.2008 before the date vehicle operator of the adjective losers abroad with professional activity or because the task due to the tool, remove the operating ones of Article 10 and Article 12 provided for in terms of fulfilling the demand for the case of this Article shall apply.
PROVISIONAL ARTICLE 5 (Additional Article: RG 09.12.2009-27427, Effective: 01/01/2010)
In addition to table this regulation, to be effective from the date of 01.01.2010 with amendments added and defined a new type of vehicle will be renewed insurance policy through sale of the existing rights are protected.
Changing the period of insurance premiums
PROVISIONAL ARTICLE 6 (Additional OG 19.06.2013-28682)
(1) 4 üncümadd specified in the second paragraph of the premiums of the insurance companies determined to be unable to change the date for the six-month period up to 01.01.2014 is applied as 1 month.
force
ARTICLE 30
(1) of this Regulation;
a) The first paragraph of Article 4 of 1/8/2007,
b) Other provisions on the publication date,
enters into force.
execution
ARTICLE 31
(1) This Regulation shall be enforced by the Minister in charge of the Treasury.