{"id":16940,"date":"2021-11-28T20:54:55","date_gmt":"2021-11-28T20:54:55","guid":{"rendered":"https:\/\/avrupapress.com\/main\/?p=16940"},"modified":"2021-11-28T20:56:25","modified_gmt":"2021-11-28T20:56:25","slug":"trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir","status":"publish","type":"post","link":"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/","title":{"rendered":"TRAF\u0130K KAZASI SONUCU S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT ALACAKLARI NELERD\u0130R?"},"content":{"rendered":"<p>Sigorta \u015firketleri, sigortal\u0131 ara\u00e7lar\u0131n kar\u0131\u015ft\u0131\u011f\u0131 trafik kazalar\u0131 sonucu olu\u015fan zararlardan Zorunlu Mali Sorumluluk Sigortas\u0131 kapsam\u0131nda sorumlu olup bu zararlar\u0131 gidermekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu alacaklar temelde \u201cAra\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131\u201d ve \u201cHasar Tazminat\u0131 ile Bakiye Hasar Tazminat\u0131\u201d olarak s\u0131n\u0131fland\u0131r\u0131labilir. Yaz\u0131m\u0131z\u0131n birinci b\u00f6l\u00fcm\u00fc ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 hakk\u0131ndad\u0131r.<\/p>\n<p>Ara\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131<\/p>\n<p>Kazaya kar\u0131s\u0327an arac\u0131n kazadan o\u0308nceki ikinci el piyasa de\u011feri ile kazadan sonraki ikinci el piyasa de\u011feri aras\u0131ndaki farkl\u0131l\u0131kt\u0131r . Tu\u0308rkiye sigorta sekto\u0308ru\u0308nde 2011 y\u0131l\u0131ndan itibaren ilgi duyulan bir alan olmaya bas\u0327lam\u0131s\u0327t\u0131r. Hasar go\u0308rmu\u0308s\u0327 motorlu bir arac\u0327, tam ve uygun onar\u0131lsa dahi orijinal o\u0308zelliklerine kavus\u0327amayabilir yada gizli hasarlar kalabilir ve gelecekte kendini go\u0308sterecek kusurlar ic\u0327in onar\u0131m masraflar\u0131 dog\u0306abilecektir. Arac\u0327lar\u0131n kar\u0131s\u0327t\u0131g\u0306\u0131 kaza olaylar\u0131 tramer kay\u0131tlar\u0131na is\u0327lendig\u0306i ic\u0327in gizli hasar kalmasa dahi gizli hasar kalm\u0131s\u0327 olabileceg\u0306ine dair olus\u0327an alg\u0131, hakl\u0131 olarak piyasadaki benzer s\u0327artlardaki kazas\u0131z bir arac\u0131n tercih edilmesine yol ac\u0327ar. Bu sebeple tercih skalas\u0131nda geri planda kalan hasar\u0131 onar\u0131lm\u0131s\u0327 arac\u0327 ile hic\u0327 hasar almam\u0131s\u0327 arac\u0327 aras\u0131ndaki bedel fark\u0131, deg\u0306er kayb\u0131 olarak deg\u0306erlendirilir. Bas\u0327ka bir deyis\u0327le, deg\u0306er kayb\u0131na ug\u0306rad\u0131g\u0306\u0131 ileri su\u0308ru\u0308len hadise nedeniyle piyasadaki emsalleri ile hasar\u0131 onar\u0131lm\u0131s\u0327 arac\u0327 aras\u0131nda olus\u0327an ve objektif o\u0308lc\u0327u\u0308tlere go\u0308re belirlenen deg\u0306er eksilmesidir. Yarg\u0131tay&rsquo;\u0131n yerles\u0327ik, istikrarl\u0131 ic\u0327tihatlar\u0131na go\u0308re; Motorlu arac\u0131n kaza o\u0308ncesindeki hasars\u0131z piyasa rayic\u0327 deg\u0306eri ile onar\u0131m piyasa rayic\u0327 deg\u0306eri ile onar\u0131m sonras\u0131 piyasa rayic\u0327 deg\u0306eri aras\u0131ndaki fark\u0131n deg\u0306er kayb\u0131 olarak belirtildig\u0306i bilinmektedir.<\/p>\n<p>Ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131n\u0131n talep edilebilmesi i\u00e7in, kazaya kar\u0131\u015fan di\u011fer arac\u0131n kusurunun bulunmas\u0131 gerekmektedir. Kusur oran\u0131 kazaya kar\u0131s\u0327an dig\u0306er arac\u0327\/lar ile paylas\u0327\u0131l\u0131yorsa; deg\u0306er kayb\u0131na konu miktar, kusur oran\u0131yla orant\u0131l\u0131 olarak talep edilebilecektir. Talepte bulunan tarafa kusur atf\u0131n\u0131n %100 olmamas\u0131 kusur \u015fart\u0131n\u0131n sa\u011flanmas\u0131 i\u00e7in yeterlidir. Ba\u015fka bir deyi\u015fle %90 kusurlu olan taraf\u0131n dahi ara\u00e7 de\u011fer kayb\u0131 talebinde bulunmas\u0131 m\u00fcmk\u00fcnd\u00fcr \u00e7\u00fcnk\u00fc %10 kusurlu oldu\u011fu tespit edilen kar\u015f\u0131 arac\u0131n sigorta \u015firketi, de\u011fer kayb\u0131 iddias\u0131nda bulunan taraf\u0131n arac\u0131n\u0131n de\u011fer kayb\u0131 tutar\u0131n\u0131n %10\u2019unu kar\u015f\u0131lamakla m\u00fckelleftir.<\/p>\n<p>Kaza sonucu ald\u0131\u011f\u0131 hasar sebebiyle de\u011fer kayb\u0131na u\u011frad\u0131\u011f\u0131n\u0131 iddia eden taraf\u0131n arac\u0131n\u0131n, daha \u00f6nce ba\u015fka bir kazada ayn\u0131 yerden hasarlanmam\u0131\u015f olmas\u0131 gerekmektedir. Ba\u015fka bir kaza sonucu onar\u0131lan par\u00e7alar\u0131n tekrar onar\u0131lmas\u0131 halinde ara\u00e7 de\u011fer kayb\u0131 olu\u015fmayacakt\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p>Tek tarafl\u0131 trafik kazalar\u0131nda ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 talep edilmesi m\u00fcmk\u00fcn de\u011fildir. Zira uygulamada tek tarafl\u0131 kazay\u0131 ger\u00e7ekle\u015ftiren arac\u0131n tam kusurlu oldu\u011fu kabul edilir.<\/p>\n<p>&nbsp;<\/p>\n<p>Ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 alaca\u011f\u0131na kavu\u015fmak i\u00e7in tahkim ya da adli yarg\u0131 gibi yasal s\u00fcre\u00e7lere dahil olmak isteyen alacakl\u0131n\u0131n ilk ad\u0131mda sigorta \u015firketine talebini i\u00e7erir yaz\u0131l\u0131 bir ba\u015fvuruda bulunmas\u0131 gerekir. Ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131, bir ba\u015fvuru arac\u0131l\u0131\u011f\u0131yla talep edilmedi\u011fi takdirde tahsil edilemez. Tazminat talebini haiz ba\u015fvuru vekil arac\u0131l\u0131\u011f\u0131yla yap\u0131labilece\u011fi gibi bizzat talep sahibi taraf\u0131ndan da yap\u0131labilir.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6rnek kabilinden a\u00e7\u0131klamak gerekirse;<\/p>\n<p>&nbsp;<\/p>\n<p>02.12.2021 tarihinde ger\u00e7ekle\u015fen \u00e7ift tarafl\u0131 bir kazada; (A) arac\u0131n\u0131n %25, (B) arac\u0131n\u0131n ise %75 kusurlu oldu\u011funu varsayal\u0131m. (B) arac\u0131n\u0131n sigorta \u015firketi, (A) arac\u0131n\u0131n kaza sonras\u0131 misal 10 g\u00fcnl\u00fck tamir s\u00fcresinde tamamen onar\u0131lmas\u0131n\u0131 sa\u011flam\u0131\u015f ve gerekli onar\u0131m masraflar\u0131n\u0131 kar\u015f\u0131lam\u0131\u015f olsa dahi; ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131n\u0131 kusur oran\u0131nca \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc devam edecektir. (A) arac\u0131n\u0131n kazadan bir g\u00fcn \u00f6nce yani 01.12.2021 tarihlinde ikinci el ara\u00e7 piyasas\u0131ndaki de\u011ferinin 100.000,00-TL oldu\u011fu, 10 g\u00fcnl\u00fck onar\u0131mdan sonra 12.12.2021 tarihinde ikinci el piyasas\u0131ndaki de\u011ferinin 90.000,00-TL oldu\u011fu tespit edildi\u011finde aradaki 10.000,00-TL\u2019lik d\u00fc\u015f\u00fc\u015f fark\u0131 (A) arac\u0131n\u0131n kabaca ara\u00e7 de\u011fer kayb\u0131d\u0131r. Kusur oranlar\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda 10.000,00-TL de\u011fer fark\u0131n\u0131n ancak %75\u2019i (B) arac\u0131n\u0131n sigorta \u015firketinin sorumlulu\u011fu kapsam\u0131ndad\u0131r. Bu sebeple (A) arac\u0131 7.500,00-TL tutar\u0131nda ara\u00e7 de\u011fer kayb\u0131 tazminat alaca\u011f\u0131n\u0131 (B) arac\u0131n\u0131n sigorta \u015firketinden talep edebilecektir.<\/p>\n<p>&nbsp;<\/p>\n<p>Arac\u0131n\u0131n de\u011fer kayb\u0131na u\u011frad\u0131\u011f\u0131n\u0131 iddia eden taraf\u0131n yasal haklar\u0131n\u0131 kullanabilmek ad\u0131na T\u00fcrk Bor\u00e7lar Kanunu\u2019nun 72. maddesi uyar\u0131nca kaza tarihinden itibaren 2 y\u0131l i\u00e7inde sigorta \u015firketine ba\u015fvuruda bulunmas\u0131 gerekmektedir. Yaz\u0131l\u0131 ba\u015fvurudan itibaren 15 g\u00fcn i\u00e7inde sigorta \u015firketleri ba\u015fvuran\u0131n taleplerine ili\u015fkin bir cevap vermek zorundad\u0131r. 15 g\u00fcn i\u00e7inde cevap verilmemesi hali z\u0131mnen ret ile talebin kabul edilmedi\u011fi anlam\u0131n\u0131 ta\u015f\u0131yaca\u011f\u0131ndan yasal s\u00fcrecin \u00f6n\u00fc a\u00e7\u0131lm\u0131\u015f olur. Sigorta \u015firketinin ba\u015fvuruya olumlu cevap vermesi halinde ise 8 g\u00fcn i\u00e7inde \u00f6deme yapma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bulunmaktad\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p>Uygulamada sigorta \u015firketleri, gelen ara\u00e7 de\u011fer kayb\u0131 taleplerine istinaden \u00e7o\u011fu zaman cevap vermemekte ve \u00f6deme yapmamaktad\u0131r. \u00d6deme yap\u0131lan durumlarda ise genellikle \u00f6denen tutar ger\u00e7ek tazminat tutar\u0131n\u0131n %5-6\u2019i gibi \u00e7ok k\u00fc\u00e7\u00fck bir b\u00f6l\u00fcm\u00fcne tekab\u00fcl etmektedir. Sigorta \u015firketlerinin fiiliyattaki bu tutumu sebebiyle alaca\u011f\u0131na kavu\u015famayan ara\u00e7 sahipleri i\u00e7in yasal s\u00fcrece ba\u015fvuru bir zaruret haline gelmektedir.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6zellikle k\u0131sa s\u00fcrede sonu\u00e7 vermesi sebebiyle tercih edilen tahkim s\u00fcrecinde bilirki\u015filer arac\u0131l\u0131\u011f\u0131yla incelemeye konu arac\u0131n marka ve modeli, \u00fcretim tarihi, trafi\u011fe \u00e7\u0131k\u0131\u015f tarihi, kaza an\u0131ndaki kilometresi, kaza tarihi itibariyle muadillerinin ikinci el piyasas\u0131ndaki rayi\u00e7 de\u011feri, hasar ge\u00e7mi\u015fi ve niteli\u011fi, boyanan \/ de\u011fi\u015fen par\u00e7alar\u0131 dikkate al\u0131narak; \u201cBaz De\u011fer Kayb\u0131 = Arac\u0131n Rayi\u00e7 De\u011feri x %19\u201d, \u201cTotal De\u011fer Kayb\u0131 = Baz De\u011fer Kayb\u0131 x Hasar Boyutlu Katsay\u0131s\u0131 x Ara\u00e7 Kullan\u0131lm\u0131\u015fl\u0131k d\u00fczeyi (Km) Katsay\u0131s\u0131\u201d gibi form\u00fcllerle yap\u0131lan hesaplamalar do\u011frultusunda verilen hakem kararlar\u0131yla ara\u00e7 sahipleri ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131n\u0131 tahsil edebilmektedir.<\/p>\n<p>&nbsp;<\/p>\n<p>Yaz\u0131m\u0131z\u0131n ikinci b\u00f6l\u00fcm\u00fc trafik kazas\u0131 sonucu sigorta \u015firketlerinden talep edilebilecek bir di\u011fer tazminat alaca\u011f\u0131 olan \u201chasar tazminat\u0131 ile bakiye hasar tazminat\u0131\u201d hakk\u0131nda olacakt\u0131r.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Av. Ay\u015fenur Y\u0131ld\u0131z\u00a0 \/\u00a0 AVRUPAPRESS<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sigorta \u015firketleri, sigortal\u0131 ara\u00e7lar\u0131n kar\u0131\u015ft\u0131\u011f\u0131 trafik kazalar\u0131 sonucu olu\u015fan zararlardan Zorunlu Mali Sorumluluk Sigortas\u0131 kapsam\u0131nda sorumlu olup bu zararlar\u0131 gidermekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu alacaklar temelde \u201cAra\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131\u201d ve \u201cHasar Tazminat\u0131 ile Bakiye Hasar Tazminat\u0131\u201d olarak s\u0131n\u0131fland\u0131r\u0131labilir. Yaz\u0131m\u0131z\u0131n birinci b\u00f6l\u00fcm\u00fc ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 hakk\u0131ndad\u0131r. Ara\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131 Kazaya kar\u0131s\u0327an arac\u0131n kazadan o\u0308nceki ikinci [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":16941,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,16,3,17,18,19,2],"tags":[7742,7740,7741,7739],"class_list":["post-16940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avrupa","category-belcika","category-dunya","category-ekonomi","category-kultur-sanat","category-tanitim","category-turkiye","tag-alacaklari-nelerdir","tag-sigorta-sirketlerinden","tag-talep-edilebilecek-tazminat","tag-trafik-kazasi-sonucu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>TRAF\u0130K KAZASI SONUCU S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT ALACAKLARI NELERD\u0130R? - AvrupaPress<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TRAF\u0130K KAZASI SONUCU S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT ALACAKLARI NELERD\u0130R? - AvrupaPress\" \/>\n<meta property=\"og:description\" content=\"Sigorta \u015firketleri, sigortal\u0131 ara\u00e7lar\u0131n kar\u0131\u015ft\u0131\u011f\u0131 trafik kazalar\u0131 sonucu olu\u015fan zararlardan Zorunlu Mali Sorumluluk Sigortas\u0131 kapsam\u0131nda sorumlu olup bu zararlar\u0131 gidermekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu alacaklar temelde \u201cAra\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131\u201d ve \u201cHasar Tazminat\u0131 ile Bakiye Hasar Tazminat\u0131\u201d olarak s\u0131n\u0131fland\u0131r\u0131labilir. Yaz\u0131m\u0131z\u0131n birinci b\u00f6l\u00fcm\u00fc ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 hakk\u0131ndad\u0131r. Ara\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131 Kazaya kar\u0131s\u0327an arac\u0131n kazadan o\u0308nceki ikinci [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\" \/>\n<meta property=\"og:site_name\" content=\"AvrupaPress\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-28T20:54:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-28T20:56:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avrupapress.com\/main\/wp-content\/uploads\/2021\/11\/IMG-20211128-WA0006-e1638132972309.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1242\" \/>\n\t<meta property=\"og:image:height\" content=\"915\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Edit\u00f6r\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Edit\u00f6r\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\"},\"author\":{\"name\":\"Edit\u00f6r\",\"@id\":\"https:\/\/avrupapress.com\/#\/schema\/person\/68428444ec60970d1e1b700cf4ca1e8f\"},\"headline\":\"TRAF\u0130K KAZASI SONUCU S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT ALACAKLARI NELERD\u0130R?\",\"datePublished\":\"2021-11-28T20:54:55+00:00\",\"dateModified\":\"2021-11-28T20:56:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\"},\"wordCount\":1151,\"publisher\":{\"@id\":\"https:\/\/avrupapress.com\/#\/schema\/person\/0223dca19c72c43575bf30d1a2d8f4fa\"},\"image\":{\"@id\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/avrupapress.com\/main\/wp-content\/uploads\/2021\/11\/IMG-20211128-WA0006-e1638132972309.jpg\",\"keywords\":[\"ALACAKLARI NELERD\u0130R?\",\"S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN\",\"TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT\",\"TRAF\u0130K KAZASI SONUCU\"],\"articleSection\":[\"Avrupa\",\"Bel\u00e7ika\",\"D\u00fcnya\",\"Ekonomi\",\"K\u00fclt\u00fcr-Sanat\",\"Tan\u0131t\u0131m\",\"T\u00fcrkiye\"],\"inLanguage\":\"fr-BE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\",\"url\":\"https:\/\/avrupapress.com\/main\/2021\/11\/28\/trafik-kazasi-sonucu-sigorta-sirketlerinden-talep-edilebilecek-tazminat-alacaklari-nelerdir\/\",\"name\":\"TRAF\u0130K KAZASI SONUCU S\u0130GORTA \u015e\u0130RKETLER\u0130NDEN TALEP ED\u0130LEB\u0130LECEK TAZM\u0130NAT ALACAKLARI NELERD\u0130R? 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