Journal of Yaşar University

Yazarlar: Ercan OZEN, Erhan GENC, Zubeyde KAYA

Konular:-

DOI:10.19168/jyu.94397

Anahtar Kelimeler:Costs of traffic accidents,Insurance,Finance,GDP

Özet: The aim of the study is to estimate the costs of traffic accidents in Turkey and to put forward conjectural magnitude of these costs within insurance and financial system. Another purpose is to predict the non-systemic costs which are difficult to be involved in records and that are caused by accidents. Different kinds of cost elements come out as a result of traffic accidents. In this study, great effort is spent to predict the cost elements such as material damage, medical care and labour loss. The cost predictions are performed by using the data issued by Turkish Insurance Association and the data acquired by the questionnaire carried out in the city of Uşak. In cost analysis conducted, it is seen that the total costs of traffic accidents occurred in 2012 is more than $4,3 billion. It is found out that insurance companies made a loss of approximately $233 million from traffic insurance operations in 2012. This decreases the contribution of insurance companies, which have significant * This article was funded by Uşak University Scientific Research Project Unit, Project No: 2013-SOSB005 [email protected], [email protected], Assistant Professor in Uşak University Applied Sciences Academy Banking And Finance Department [email protected], Research Associate in Uşak University at Faculty of Economics and Administrative Sciences Department of Business [email protected] Afyon Kocatepe University SSI. Postgraduate at Business Department function in financial system, to total saving volume. The total accident costs found in this study accounts for 16,37% share within insurance system, 0,36% share within financial system and 0,55% share within GDP.

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