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Kaza Sonucu Kalıcı Sakatlık

Kaza Sonucu Kalıcı Sakatlık

Zorunlu Trafik Sigortası’ nda Kalıcı Sakatlık (Fiziksel Bozukluk) tazminatları, zarar verilen kişinnin tamamen veya belirli bir oranda çalışamaz duruma gelmesi halinde kendisine yapılacak bedeni hasar (kalıcı sakatlık) tazminatı (Trafik kazası tazminatı) ödemelerini kapsamakta olup trafik kazasında Kalıcı sakatlık (Fiziksel Bozukluk) tazminatı hesaplamalarının aktüeryal tekniklere uygun olarak yapılması esastır. Sürekli yani Kalıcı sakatlık (Fiziksel Bozukluk) durumunda Trafik kazası tazminatı maluliyet oranı ile birlikte değerlendirilmektedir. Gelir seviyesi ise belgelendirilen ve son kazanılan ücret temel alınarak Trafik kazası tazminatının hesaplanmasına dahil edilmektedir. Kalıcı sakatlık durumunda kişinin beklenen ömrü aktüer tarafından belirlenmekte, kişinin maluliyet oranı ve gelir seviyesi göz önünde bulundurularak Trafik kazası tazminatı tutarı hesaplanmaktadır. Uygulamada sigorta şirketleri destekten yoksun kalma hesaplamaları ile ilgili olarak aktüerlerle çalışmaktadır. Aktüerler, Hazine Müsteşarlığının 2010 yılında yayımladığı 2010/4 Sayılı Genelge’de belirtilen esasları dikkate alarak hesaplama yapmaktadır. Ancak yargıya taşınan dosyalarda hesaplamaları aktüerler değil, mahkeme tarafından atanan bilirkişiler yapmaktadır. Bu kapsamda farklı hesaplama modellerinin kullanılması farklı sonuçlara ulaşılmasına yol açmaktadır.

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