The Scope of insurance coverage in terms of damage in terms of employer's financial responsibility in compulsory financial liability of highways

As technology has developed, we've started to use machines to make human life easier. A new era in transport began with the invention of the internal combustion engine. Vehicles used for transport, which relied on animal power, have been replaced by self-propelled vehicles that draw their power from their engines. Motor vehicles have evolved over time. Reasonable car prices and increased consumer purchasing power have led to an increase in the number of vehicles in the world. The increase in the number of vehicles has led to an increase in traffic. This situation has brought with it new dangers. This is why the principle of liability at risk was introduced to cover damage caused by traffic accidents on motorways. In addition, the insurance institution was used to compensate the damage and a compulsory insurance system was adopted.. The vehicle owners and coachers are also held responsible for the damages occurring on the highways. In some cases, the person who operates a vehicle on the highway may have different legal titles. One of these is the title of employer. The employer may also be the operator of a vehicle operated on the road. Damage caused in the course of this activity gives rise to both the employer's legal liability for accidents at work under labour law and the employer's legal liability as a vehicle operator under liability law. In this study, the conditions of the operator's liability are explained. Subsequently, a work accident is described and the conditions are examined. If the person responsible as an operator in the event of a traffic accident is also the employer, the areas in which liability is important in terms of both labour and social security law and liability law are explained. The compulsory liability insurance and its scope are also explained. Additionally, compulsory liability insurance and the scope of this insurance are stated.