Yaz\u0131m\u0131z\u0131n ilk b\u00f6l\u00fcm\u00fcnde sigorta \u015firketlerinin, 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 olduklar\u0131n\u0131 ve bu zararlar\u0131 gidermekle y\u00fck\u00fcml\u00fc olduklar\u0131n\u0131 belirterek sigortal\u0131lar\u0131n \u201cAra\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131\u201d alaca\u011f\u0131n\u0131 a\u00e7\u0131klam\u0131\u015ft\u0131k. Sigorta \u015firketlerinden talep edilebilecek bir di\u011fer alacak kalemi \u201cBakiye Hasar Tazminat\u0131 \/ Hasar De\u011fer Fark\u0131 Tazminat\u0131\u201dd\u0131r.<\/p>\n
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Sigortal\u0131 ara\u00e7 sahibi trafik kazas\u0131 sonras\u0131 arac\u0131n\u0131 diledi\u011fi serviste tamir ettirerek makul bir mebla\u011f\u0131 sigorta \u015firketinden talep edebilece\u011fi gibi; do\u011frudan sigorta \u015firketine ba\u015fvurarak arac\u0131n\u0131n sigorta \u015firketinin anla\u015fmal\u0131 oldu\u011fu bir serviste tamir edilmesini isteyebilir. B\u00f6yle bir durumda sigorta \u015firketi sa\u011flad\u0131\u011f\u0131 onar\u0131m imkan\u0131n\u0131 yasal d\u00fczenlemelere ve hakkaniyete uygun bir \u015fekilde ger\u00e7ekle\u015ftirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Zira hasar g\u00f6ren par\u00e7an\u0131n onar\u0131m\u0131 m\u00fcmk\u00fcn de\u011fil ise par\u00e7an\u0131n orjinali ile de\u011fi\u015ftirilmesi icap eder.<\/p>\n
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Uygulamada sigorta \u015firketleri kazaya kar\u0131\u015fan ara\u00e7lar\u0131n onar\u0131m s\u00fcre\u00e7lerini etkin bir denetime tabi tutmad\u0131klar\u0131 i\u00e7in; orijinal ya da e\u015fde\u011fer par\u00e7a ile de\u011fi\u015ftirilmesi gereken hasarl\u0131 par\u00e7alar \u00e7o\u011fu zaman yan sanayi, ikinci el, merdiven alt\u0131, imitasyon ve kalitesiz par\u00e7alarla de\u011fi\u015ftirilmek suretiyle onar\u0131lmaktad\u0131r. Sigorta \u015firketleri bazen orijinal par\u00e7an\u0131n yetkili servisler taraf\u0131ndan sipari\u015f edilip uzun s\u00fcre beklenmesi halinde ara\u00e7 sahibine ikame ara\u00e7 sa\u011flamaktan ka\u00e7\u0131nmak i\u00e7in bazen de tamamen onar\u0131m s\u00fcreci masraflar\u0131n\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in bu duruma sessiz kalmay\u0131 tercih etmektedir. K\u0131sa vadede arac\u0131n\u0131n onar\u0131ld\u0131\u011f\u0131n\u0131 ve zarar\u0131n\u0131n giderildi\u011fini d\u00fc\u015f\u00fcnen ara\u00e7 sahipleri ise, uzun vadede de\u011fi\u015fen par\u00e7alar\u0131n performans\u0131n\u0131n d\u00fc\u015fmesi ve hatta tekrar ar\u0131zalanmas\u0131 gibi problemlerle ma\u011fdur olmaktad\u0131r. Bu sebeple ara\u00e7 sahipleri, hasarl\u0131 par\u00e7alar\u0131n orjinali ile de\u011fi\u015ftirilmesini talep edebilir, orijinal olmayan par\u00e7a kullan\u0131ld\u0131\u011f\u0131nda da ise bakiye hasar tazminat\u0131 ya da di\u011fer ad\u0131yla hasar fark\u0131 tazminat\u0131 talep edebilir.<\/p>\n
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Arac\u0131n de\u011fi\u015fen par\u00e7alar\u0131 yerine orijinal par\u00e7a kullan\u0131lsayd\u0131 tamir bedelinin ka\u00e7 olaca\u011f\u0131 hesaplanmal\u0131d\u0131r. \u00d6rne\u011fin trafik kazas\u0131 sonras\u0131 hasar g\u00f6rm\u00fc\u015f bir arac\u0131n par\u00e7alar\u0131 onar\u0131lmak yerine yan sanayi par\u00e7alarla 5.000,00-TL masrafla tamir edilmi\u015fse orjinal par\u00e7a kullan\u0131larak 15.000,00-TL masrafla tamir edilecek ara\u00e7 i\u00e7in bakiye hasar tazminat\u0131 \/ hasar de\u011fer fark\u0131 tazminat\u0131 10.000,00-TL olacakt\u0131r.<\/p>\n
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Arac\u0131n\u0131n bakiye hasar bedeli oldu\u011funu 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. \u00d6deme yap\u0131lan durumlarda ise genellikle \u00f6denen tutar ger\u00e7ek tazminat tutar\u0131n\u0131n %5-6\u2019s\u0131 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
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Av. Ay\u015fenur Y\u0131ld\u0131z<\/p>\n
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Yasal s\u00fcre\u00e7 hakk\u0131nda detayl\u0131 bilgi i\u00e7in;<\/p>\n
law.aysenuryildiz@gmail.com https:\/\/www.linkedin.com\/in\/av-aysenur-yildiz\/<\/p>\n
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Av. Ay\u015fenur Y\u0131ld\u0131z\u00a0 \/\u00a0 AVRUPAPRESS<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Yaz\u0131m\u0131z\u0131n ilk b\u00f6l\u00fcm\u00fcnde sigorta \u015firketlerinin, 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 olduklar\u0131n\u0131 ve bu zararlar\u0131 gidermekle y\u00fck\u00fcml\u00fc olduklar\u0131n\u0131 belirterek sigortal\u0131lar\u0131n \u201cAra\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131\u201d alaca\u011f\u0131n\u0131 a\u00e7\u0131klam\u0131\u015ft\u0131k. Sigorta \u015firketlerinden talep edilebilecek bir di\u011fer alacak kalemi \u201cBakiye Hasar Tazminat\u0131 \/ Hasar De\u011fer Fark\u0131 Tazminat\u0131\u201dd\u0131r. Sigortal\u0131 ara\u00e7 sahibi trafik […]<\/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":[7740,7798,7799,7739],"class_list":["post-17078","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-sigorta-sirketlerinden","tag-talep-edilebilecek","tag-tazminat-alacaklari-nelerdir","tag-trafik-kazasi-sonucu"],"yoast_head":"\n