The statutory motor liability limits are fixed. If you hit a luxury vehicle or several people are injured, that limit may not cover the full loss, and the excess is claimed from your personal assets. IMM absorbs exactly that gap.
In a single serious accident it protects your home and savings, which makes it a high-impact cover for its premium. Insurers offer different limit options; Quick Sigorta's kasko packages, for example, offer IMM from TRY 500,000 up to unlimited. We recommend it to almost every driver and set the limit together based on how you use your vehicle.
What is covered?
- Material damage to the other party's vehicle above the statutory limit
- Damage to other third-party property above the limit
- Medical costs above the limit
- Disability and death compensation above the limit
- Moral damage claims (if included in the policy)
- Combined single limit or separate material/bodily limit options
Optional add-on covers
- Moral damages add-on
- Seat personal accident cover for driver and passengers
- High-limit options up to unlimited (insurer dependent)
What you should know
IMM is mostly issued as an add-on to a kasko policy, and at some insurers together with motor liability. We look at your existing policies to decide which route suits you.
When choosing a limit, what matters is not your car's value but the value of the car you might hit and how many people could be injured.
Statutory motor liability limits are updated regularly, but claims after a serious accident can still exceed them. You can find the current statutory limits on our Motor Third Party Liability page.
Frequently asked questions
There is no single right number. If you drive in dense city traffic or on routes with many luxury cars, we recommend a high limit or unlimited IMM. We put the insurers' limit options and premium differences side by side to help you decide.
Yes. Kasko covers your car; IMM covers damage you cause to others above the statutory limit. Let us check together whether your kasko package includes IMM and at what limit.
The other party can claim the amount motor liability does not pay directly from you, and it is recovered from your personal assets.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.