In short
Optional financial-liability insurance is optional liability cover that is read beside the compulsory traffic policy, or more broadly than it. It does not take the place of compulsory financial-liability insurance, and the question whether it is the compulsory motor policy is built from the separate clauses of the two contracts. How fault is read is a separate heading. The limit and the exception of this policy are in its own clause. A limit figure, an amount, and a percentage are not here.
Optional cover is not the compulsory policy
The compulsory policy is the minimum liability contract the Act requires. The optional contract is liability cover the insured took separately. Their standing in the same accident folder does not join the two policies. The optional clause is not read as the general condition of the compulsory policy. Motor own-damage cover is not the name of these two either. Own-damage cover, optionally, looks at damage to the vehicle itself. Optional financial liability looks at liability towards someone else. The three headings are three contracts, and the rejection letter should write which one it cites.
Fault and rejection are a separate heading
The debate on the fault rate and on payment by compulsory insurance sits under insurance in a traffic accident. A rejection letter for own-damage cover sits under rejection of an own-damage claim, the arbitration route under insurance arbitration, and a rejection writing on loss of value under loss of value. This record does not give a rate. Optional cover does not take the place of those headings, and it only separates that it is a contract apart from the compulsory policy. If the rejection letter does not write which policy it cites, the sentence it cites is looked for in the clause.
How the policy is separated
The policy, the clause, and the rejection letter are read together. An Ankara lawyer separates from this contract that the office being in Çankaya does not change the competent authority. An amount and a percentage are not under this heading either, because the limit is read from the line in the clause, and a rate that is not written is not added to the policy.
The limit comes out of the clause
The ceiling of the optional policy is the limit written in that policy. This record does not make the ceiling a figure. The minimum frame of the compulsory policy is not frozen here as an amount either. It is not said that an excess over the limit is paid of its own accord. If the excess is in the optional clause, it is read from that sentence. An invoice can show the repair price, but it is not put in place of the ceiling in the clause. The petition does not melt the three contracts in a single limit sentence. The decision is not built before it is seen which policy is cited, and a rate that is not standing in the annex of the application is not treated as added later.
The same folder is not three contracts
In an accident file, the compulsory policy, the optional cover, and own-damage cover can stand side by side. Standing side by side does not make the three one contract. The clause, the exception, and the limit of each are read from its own page. A missing page is not completed with the general condition of the other policy. Service shows which address the rejection letter went to. It does not produce a limit figure. The insured looks at whether the policy copy in hand and the clause the company cites are the same text. If there is a difference, the two copies are kept, and which one was taken as the basis is written separately in the petition.
If the rejection letter cites the general condition of the compulsory policy, that sentence is not looked for in the optional clause. If it cites the optional clause, the line it cites should stand in the copy in the insured’s hands. If the copy is incomplete, the missing page is not completed with the text of the other contract. Own-damage cover looks at damage to the vehicle itself, and it is not read as the limit of liability towards someone else. The three headings do not become a single cover because they stand in the same folder. An invoice can show the repair price. It does not produce the figure of the ceiling in the clause. An amount and a percentage are not added to this comparison. The decision is not built before it is seen which policy is cited.
If there is no excess sentence in the clause, it is not said that the excess is paid of its own accord. If there is an excess sentence, that sentence is read, and a rate is not made here. Service shows which address the rejection letter went to. It does not write a limit. A percentage that is not standing in the annex of the application is not treated as completed later by a multiplication that is remembered. The petition does not melt the exceptions of the three contracts in a single paragraph. If the insured’s statement and the clause in the policy conflict, the conflicting line is not hidden. The address of the office does not widen the cover, and it does not choose the competent authority.
Conclusion
Optional financial-liability insurance is not the compulsory traffic policy. The cover and the limit are read from its own clause. A figure, an amount, and a percentage are not in this record. The frame sits on the criminal law page. The basis is the Insurance Law No. 5684 and the Highway Traffic Law No. 2918.