Optional Financial Liability Insurance (OFL)

Get a Supplementary Liability (İMM) Quote

Supplementary Liability Insurance (İMM) is a vital additional guarantee designed for situations where mandatory traffic insurance falls short in covering damages to the opposing party. In traffic accidents involving luxury vehicles or multi-car pile-ups, high material damages can easily exceed legal limits. At Your Insurer is Here, we provide this protective shield that starts where your traffic insurance ends, assuming the burden of fortune-valued compensation liabilities on your behalf.

In today's economic conditions, the rapid increase in vehicle values and parts costs leaves standard traffic insurance limits quite insufficient. An İMM policy covers not only material damages but also physical injuries and non-pecuniary (moral) damage claims, placing you under total protection. With 30 years of experience, we offer "Unlimited İMM" options with premiums tailored to your budget, professionally minimizing all your financial risks in traffic.

You can benefit from İMM insurance not only in high-damage accidents but also in the legal processes of non-pecuniary damage claims. In cases involving high-sum lawsuits filed by other parties, your policy covers both the financial burden and provides professional support. Through Your Insurer is Here, you secure your personal assets and future savings against the heavy compensation risks that could arise from a single accident.

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Unsure about which policy to choose? Your Insurer is Here to help you find the best coverage at competitive prices. Reach out for your free consultation.

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Frequently Asked Questions About İMM

What is Supplementary Liability (İMM) and Why Should You Get It?
Think of İMM insurance as your financial safety net. While mandatory insurance has its limits, your liability shouldn't. If you hit a luxury car or cause a major accident, standard coverage often falls short. At Your Insurer is Here, we advocate for İMM to ensure that one unlucky moment doesn't compromise your financial future. Secure your peace of mind beyond the legal minimums.
Unlimited İMM coverage means that the insurance company will cover the entire amount of material or physical damage you cause to the opposing party, regardless of the total cost—even if it reaches millions of dollars. This option provides you with complete financial immunity, especially in cases involving luxury vehicles or bodily injuries with high compensation payouts. With our expert team, we plan how you can obtain this boundless protection for very small premium differences.
While mandatory traffic insurance leaves you vulnerable to emotional distress claims, an İMM policy acts as your safeguard. It covers non-pecuniary damages, court fees, and legal costs that arise from an accident. Leveraging our 30 years of expertise, we ensure the 'Moral Damages' clause is integrated into your coverage, surrounding you with a professional legal and financial shield.
You don't always need a full Casco policy to stay protected against high liability claims. While İMM is typically bundled with Casco, we also offer it as a standalone solution. Whether you want to top-up your current coverage or secure independent protection for your vehicle, Your Insurer is Here provides the expert guidance you need to manage your traffic risks professionally and affordably.