Traffic insurance is a mandatory policy for vehicle owners that covers damages caused to third parties in the event of an accident.In short, it protects both you and the other party involved.

But what exactly is traffic insurance, what does it cover, and why is it so important?In this comprehensive guide, we explain everything you need to know.

What Is Traffic Insurance?

Traffic insurance, officially known as Compulsory Financial Liability Insurance, is a policy that every motor vehicle owner is legally required to have.It ensures that any material or bodily damage you cause to a third party during an accident is covered by your insurance company within the policy limits.

Important:

Traffic insurance only covers damages to the third party.
Damages to your own vehicle are covered by casco insurance (comprehensive insurance).

Is Traffic Insurance Mandatory?

Yes!According to Turkey’s Highway Traffic Law No. 2918, every motor vehicle must have valid traffic insurance to operate legally.

✅ If you drive without traffic insurance:

You will receive a fine.
Your vehicle may be impounded.
In case of an accident, you will be personally responsible for all damages.

For this reason, maintaining an active traffic insurance policy protects both your finances and your legal rights.

What Does Traffic Insurance Cover?

Traffic insurance mainly covers the following:

1. Property Damage

Covers damage to the other party’s vehicle or other property.

2. Bodily Injury

Covers medical and compensation costs if the other party is injured or dies as a result of the accident.

3. Medical Expenses

Covers medical treatment costs for third parties injured in the accident.

4. Death and Permanent Disability

Provides compensation to the family in the event of death, or to the injured party in case of permanent disability.

What Is Not Covered by Traffic Insurance?

Traffic insurance does not cover:

Damage to your own vehicle
Injuries to passengers in your vehicle (unless additional coverage is purchased)
Deliberately caused accidents
Damages from extraordinary events like racing, terrorism, or strikes

To protect your own vehicle, you should consider additional policies such as casco insurance.

2025 Traffic Insurance Coverage Limits

Each year, Turkey’s Ministry of Treasury and Finance updates the minimum coverage limits for traffic insurance.

As of 2025, the approximate coverage limits are:

Property damage: 150,000 TL per vehicle
Bodily injury: 750,000 TL per person
Death and permanent disability: 1,000,000 TL per person

(Exact limits may vary slightly between insurance companies.)

What Happens If You Drive Without Traffic Insurance?

Driving without traffic insurance can result in serious consequences:

Administrative fine: Approximately 2,000 TL in 2025
Vehicle impoundment: Your vehicle may be towed and impounded
Personal liability: You must personally pay for all damages caused

Therefore, it's crucial not only to avoid fines but also to protect yourself by maintaining valid traffic insurance.

What Should You Pay Attention to When Purchasing Traffic Insurance?

When purchasing traffic insurance, you should not only compare prices.Pay attention to:

The reliability and financial strength of the insurance company
Additional coverages offered
The efficiency of the claims handling process
Premium increase policies
Renewal conditions

At Dörtay Sigorta, we transparently and quickly offer the best traffic insurance options tailored to your needs.

Get Your Traffic Insurance Easily with Dörtay Sigorta!

✅ Get an instant quote via our website: www.dortaysigorta.net✅ Contact us quickly via WhatsApp: +90 551 069 33 12

If you seek trust and speed in traffic insurance, you are in the right place!

Frequently Asked Questions

Is traffic insurance the same as casco (comprehensive) insurance?

No. Traffic insurance covers damages to the third party, while casco insurance covers your own vehicle.

What affects traffic insurance prices?

Prices depend on your vehicle’s model, age, location, and past accident history.

How soon do I need to get traffic insurance?

You must have traffic insurance immediately after registering your vehicle. Expired policies must also be renewed promptly.

Conclusion

Traffic insurance is essential for vehicle owners to meet legal obligations and protect themselves against potential risks.Choosing the right policy from a trustworthy insurance provider prevents unexpected financial burdens.

At Dörtay Sigorta, we are happy to offer the most affordable and comprehensive traffic insurance solutions for you!

For your information, our article has been supported by artificial intelligence.

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