METHODOLOGICAL PROBLEMS IN THE CALCULATION OF COMPENSATION FOR BODILY INJURY AND DEPRIVATION OF SUPPORT IN INSURANCE ARBITRAL AWARDS

Mehmet Çelebi Can; Abdüssamet Küçük

Article Details

METHODOLOGICAL PROBLEMS IN THE CALCULATION OF COMPENSATION FOR BODILY INJURY AND DEPRIVATION OF SUPPORT IN INSURANCE ARBITRAL AWARDS

Authors:

Mehmet Çelebi Can | Abdüssamet Küçük

Publisher:

Ankara Yildirim Beyazit University

Main Topics:

Ticaret Hukuku (Diğer)

Journal:

Ticaret ve Fikri Mülkiyet Hukuku Dergisi Vol.11 Issue 1, pp.59-76

Document Type:

Article

Publication Date:

6/2025

Document Language:

Turkish

Document ID (Org No.):

2001354453

pISSN:

2149-4576

Keywords:

Abstract:

 In this article, compensation calculation methods are discussed on the basis of the economic losses suffered by those who are deprived of the financial support of the deceased in the event of bodily injury and death due to traffic accidents and the fact that these damages are compensated with financial compensation, especially in insurance arbitral awards. In cases of bodily harm, it is explained under which compensation method the damage is tried to be compensated in the event of temporary or permanent incapacity of the victim. In addition, the conditions under which the compensation for deprivation of support, which continues to be discussed with the annulment decisions of the Constitutional Court affecting the general conditions of insurance and the periodical case law changes of the General Assembly of Civil Chambers and specialized chambers of the Court of Cassation, comes to the agenda and the issue of who can benefit from this compensation is also briefly presented. The above-mentioned issues are still preoccupying the insurance law, and the insurers make different demands according to their interests regarding the method of calculation of the insurance indemnity to be paid for the loss of support in the event of death and bodily injury and disability as a result of traffic accidents. The focus of this study is on the three different actuarial methods used in the calculation of the aforementioned insurance indemnity, which are demanded by the insurance interests according to their interests: The Progressive Annuity Method, which is the most frequently used method in practice recently and which is especially demanded by the victims, the Fixed Term Annuity Formula-Technical Interest Method 1.65 Rate and the Average Earnings and Fixed Annuity Method 1.65 Rate, which the indemnitees especially the insurance companies find more balanced, are examined comparatively. The current practice of paying compensation in advance and in a lump sum is insufficient to provide long-term economic security for the victims, and may result in a disproportionate burden for those responsible for compensation. Therefore, as a model to balance this problem, the study also proposes the establishment of a fund system to ensure that compensation is paid on a monthly basis.

 In this article, compensation calculation methods are discussed on the basis of the economic losses suffered by those who are deprived of the financial support of the deceased in the event of bodily injury and death due to traffic accidents and the fact that these damages are compensated with financial compensation, especially in insurance arbitral awards. In cases of bodily harm, it is explained under which compensation method the damage is tried to be compensated in the event of temporary or permanent incapacity of the victim. In addition, the conditions under which the compensation for deprivation of support, which continues to be discussed with the annulment decisions of the Constitutional Court affecting the general conditions of insurance and the periodical case law changes of the General Assembly of Civil Chambers and specialized chambers of the Court of Cassation, comes to the agenda and the issue of who can benefit from this compensation is also briefly presented. The above-mentioned issues are still preoccupying the insurance law, and the insurers make different demands according to their interests regarding the method of calculation of the insurance indemnity to be paid for the loss of support in the event of death and bodily injury and disability as a result of traffic accidents. The focus of this study is on the three different actuarial methods used in the calculation of the aforementioned insurance indemnity, which are demanded by the insurance interests according to their interests: The Progressive Annuity Method, which is the most frequently used method in practice recently and which is especially demanded by the victims, the Fixed Term Annuity Formula-Technical Interest Method 1.65 Rate and the Average Earnings and Fixed Annuity Method 1.65 Rate, which the indemnitees especially the insurance companies find more balanced, are examined comparatively. The current practice of paying compensation in advance and in a lump sum is insufficient to provide long-term economic security for the victims, and may result in a disproportionate burden for those responsible for compensation. Therefore, as a model to balance this problem, the study also proposes the establishment of a fund system to ensure that compensation is paid on a monthly basis.

 In this article, compensation calculation methods are discussed on the basis of the economic losses suffered by those who are deprived of the financial support of the deceased in the event of bodily injury and death due to traffic accidents and the fact that these damages are compensated with financial compensation, especially in insurance arbitral awards. In cases of bodily harm, it is explained under which compensation method the damage is tried to be compensated in the event of temporary or permanent incapacity of the victim. In addition, the conditions under which the compensation for deprivation of support, which continues to be discussed with the annulment decisions of the Constitutional Court affecting the general conditions of insurance and the periodical case law changes of the General Assembly of Civil Chambers and specialized chambers of the Court of Cassation, comes to the agenda and the issue of who can benefit from this compensation is also briefly presented. The above-mentioned issues are still preoccupying the insurance law, and the insurers make different demands according to their interests regarding the method of calculation of the insurance indemnity to be paid for the loss of support in the event of death and bodily injury and disability as a result of traffic accidents. The focus of this study is on the three different actuarial methods used in the calculation of the aforementioned insurance indemnity, which are demanded by the insurance interests according to their interests: The Progressive Annuity Method, which is the most frequently used method in practice recently and which is especially demanded by the victims, the Fixed Term Annuity Formula-Technical Interest Method 1.65 Rate and the Average Earnings and Fixed Annuity Method 1.65 Rate, which the indemnitees especially the insurance companies find more balanced, are examined comparatively. The current practice of paying compensation in advance and in a lump sum is insufficient to provide long-term economic security for the victims, and may result in a disproportionate burden for those responsible for compensation. Therefore, as a model to balance this problem, the study also proposes the establishment of a fund system to ensure that compensation is paid on a monthly basis.

 Bu makalede, özellikle sigorta hakem kararlarında trafik kazalarına bağlı bedensel zararlar ile ölüm halinde, ölen kişinin maddi desteğinden mahrum kalanların uğradığı ekonomik kayıplar ve bu zararların maddi tazminat ile telafi edilmesi olgusu temelinde tazminat hesaplama yöntemleri ele alınmaktadır. Bedensel zarar durumlarında mağdurun geçici veya kalıcı iş göremezliği özelinde, zararın hangi tazminat yöntemi başlığı altında giderilmeye çalışıldığı açıklanmıştır. Ayrıca, sigorta genel şartlarına etki eden Anayasa Mahkemesi iptal kararları ve Yargıtay Hukuk Genel Kurulu ile ihtisas dairelerinin dönemsel içtihat değişiklikleriyle güncelliğini koruyup tartışılmaya devam eden destekten yoksun kalma tazminatının hangi koşullarda gündeme geldiği ve bu tazminattan kimlerin yararlanabileceği konusu da kısaca ortaya konulmuştur. Yukarıdaki konular sigorta hukukunu halen meşgul etmekte, trafik kazaları neticesinde, ölüm halinde destekten yoksun kalma zararına; yaralanma ve sakat kalma halinde bedensel zararlara karşılık ödenmesi gereken sigorta tazminatının hesaplanma yöntemine dair sigorta ilgilileri, menfaatlerine göre farklı taleplerde bulunmaktadır. Çalışmanın odak noktası da, mezkur sigorta tazminatının hesaplamasında kullanılan ve sigorta ilgililerinin menfaatlerine göre talep ettikleri üç farklı aktüeryal yöntem üzerinedir: özellikle mağdurların uygulanmasını talep ettiği ve uygulamada son zamanlarda en sık kullanılan Progresif Rant Yöntemi, tazminat sorumlularının özellikle sigorta şirketlerinin daha dengeli bulduğu Devre Başı Ödemeli Belirli Süreli Rant Formülü-Teknik Faiz Yöntemi 1.65 Oran ve Ortalama Kazanç ve Sabit Rant Yöntemi karşılaştırmalı olarak incelenmiştir. Tazminatların mevcut uygulamada peşin ve toplu biçimde ödenmesi, mağdurlar için uzun vadeli ekonomik güvenceyi sağlamada yetersiz kalırken, tazminat sorumluları açısından da orantısız bir yük doğurabilmektedir. Bu nedenle, çalışmada bu sorunu dengeleyecek bir model olarak, tazminatların aylık periyotlarla ödenmesini sağlayacak bir fon sistemi kurulması da önerilmektedir.

Article Details

METHODOLOGICAL PROBLEMS IN THE CALCULATION OF COMPENSATION FOR BODILY INJURY AND DEPRIVATION OF SUPPORT IN INSURANCE ARBITRAL AWARDS

Authors:

Mehmet Çelebi Can | Abdüssamet Küçük

Publisher:

Ankara Yildirim Beyazit University

Main Topics:

Ticaret Hukuku (Diğer)

Journal:

Ticaret ve Fikri Mülkiyet Hukuku Dergisi Vol.11 Issue 1, pp.59-76

Document Type:

Article

Publication Date:

6/2025

Document Language:

Turkish

Document ID (Org No.):

2001354453

pISSN:

2149-4576

Insurance Arbitral Awards

Progressive Annuity Method

Technical Interest

Deprivation of Support

Bodily Injury

Insurance Compensation Calculation Methods.Sigorta Hakem Kararları

Progresif Rant Yöntemi

Teknik Faiz

Destekten Yoksun Kalma

Bedensel Zarar

Sigorta Tazminatı Hesaplama Yöntemleri

Issues

Article Details

Authors: Mehmet Çelebi Can | Abdüssamet Küçük

Publisher: Ankara Yildirim Beyazit University

Main Topics: Ticaret Hukuku (Diğer)

Journal: Ticaret ve Fikri Mülkiyet Hukuku Dergisi Vol.11 Issue 1, pp.59-76

Document Type: Article

Publication Date: 6/2025

Document Language: Turkish

Document ID (Org No.): 2001354453

pISSN: 2149-4576

Issues

Authors:

Mehmet Çelebi Can | Abdüssamet Küçük

Publisher:

Ankara Yildirim Beyazit University

Main Topics:

Ticaret Hukuku (Diğer)

Journal:

Ticaret ve Fikri Mülkiyet Hukuku Dergisi Vol.11 Issue 1, pp.59-76

Document Type:

Article

Publication Date:

6/2025

Document Language:

Turkish

Document ID (Org No.):

2001354453

pISSN:

2149-4576