Bilindiği üzere Trafik sigortaları maddi kazalar sonucunda verdiğiniz hasarı 50.000 tl ye kadar ödemektedir. Peki günümüz şartlarında 50.000 tl yeterli midir ?
Bazı sigorta şirketleri bunu görmüş olacak ki bu ihtiyacı giderecek bazı poliçeler tanzim edilmektedir. İhtiyari Mali Mesuliyet diye adlandırılan İMM poliçeleri kasko sigortası olmayıp da Trafik sigortasının limitlerini düşük bulan müşteriler için olmazsa olmazdır. Sınırsız maddi ve manevi limit veren bu poliçeler 50.000 tl yi aşan kısımlarda devreye girerek bunun üstünde olan hasarlarda müşterileri mağdur duruma düşürmemeyi amaçlamaktadır.
Ayrıca sadece ayrıyeten İmm poliçesi olmanın yanı sıra bazı şirketler Trafik poliçelerinin üstüne bir miktar prim ekleyerek de 50.000 tl nin üstüne 250 bin – 1 milyon – Sınırsız imm olarak seçenekler sunmaktadır.
Günümüz şartlarında karayollarında bulunan araçların değerlerini düşündükçe riskinizi azaltmak için bir miktar para vermekten daha kaçınmamanızı tavsiye ederiz.
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