Documented Incidents: Same Location, Different Years, Same Risk
This is not a theoretical concern.
In Ozanköy, pedestrian accidents during evening hours have occurred more than once, under similar conditions, in the same area.
14 October 2012 – Early Evening
Our insured vehicle was travelling through an internal Ozanköy road in the early evening.
Speed was low. Traffic conditions appeared calm.
The pedestrian was walking along the right side of the road, where no sidewalk was present.
Street lighting was limited. The pedestrian was noticed late by the driver.
The impact was not at high speed.
However, the contact was sufficient to cause serious injury.
Outcome:
- Fracture of the hip bone
- Long-term medical treatment
- The claim was classified as serious bodily injury
The file was eventually closed.
The underlying risk was not.
2018 – Same Area, Similar Hours
Several years later, in the same village and during similar evening hours, another pedestrian accident occurred.
Lighting conditions were comparable.
Road geometry had not changed.
This time, the impact resulted in different injuries but followed the same pattern.
Outcome:
- Rib fracture (crack)
- Foot fracture
- Extended recovery and loss of working capacity
The driver was attentive.
Yet again:
- No sidewalk
- No reflective clothing
- Limited visibility during evening hours
What Do These Two Incidents Show?
These cases demonstrate that:
- The issue is not excessive speed
- The issue is not a single driver’s negligence
- The issue is not coincidence
The issue is a repeating environmental risk in Ozanköy during evening hours.
Same time window
Same road characteristics
Different years
→ Similar consequences
From an Insurance and Risk Management Perspective
Pedestrian accidents of this nature typically result in:
- Disputed fault ratios
- Prolonged bodily injury claims
- High compensation exposure from low-speed contact
These are not unexpected losses.
They are predictable patterns.
Conclusion
The evening pedestrian risk in Ozanköy is:
- Experienced
- Repeated
- Documented
Risk does not announce itself.
It repeats.