{"id":1,"date":"2022-09-14T23:53:38","date_gmt":"2022-09-14T20:53:38","guid":{"rendered":"http:\/\/sevincsigorta.com.tr\/blog\/?p=1"},"modified":"2022-09-19T15:35:25","modified_gmt":"2022-09-19T12:35:25","slug":"sigorta-arac-deger-kaybi","status":"publish","type":"post","link":"http:\/\/sevincsigorta.com.tr\/blog\/2022\/09\/14\/sigorta-arac-deger-kaybi\/","title":{"rendered":"De\u011fer Kayb\u0131 Ara\u00e7 Sahiplerinin Korkulu R\u00fcyas\u0131 Oldu!"},"content":{"rendered":"\n<p><strong>De\u011fer Kayb\u0131 ara\u00e7 sahiplerinin korkulu r\u00fcyas\u0131 oldu. Ancak ara\u00e7 sahipleri bunun fark\u0131nda de\u011fil.<\/strong><\/p>\n\n\n\n<p>Merhabalar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" width=\"572\" height=\"302\" src=\"http:\/\/sevincsigorta.com.tr\/blog\/wp-content\/uploads\/2022\/09\/arac-deger-kaybi-1.png\" alt=\"Ara\u00e7 De\u011fer Kayb\u0131\" class=\"wp-image-9\" srcset=\"http:\/\/sevincsigorta.com.tr\/blog\/wp-content\/uploads\/2022\/09\/arac-deger-kaybi-1.png 572w, http:\/\/sevincsigorta.com.tr\/blog\/wp-content\/uploads\/2022\/09\/arac-deger-kaybi-1-300x158.png 300w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/><figcaption>ara\u00e7 de\u011fer kab\u0131 sigorta trafik sigortas\u0131 samsun sevin\u00e7 sigorta<\/figcaption><\/figure>\n\n\n\n<p>Maddi sonu\u00e7lu, en az iki tarafl\u0131 trafik kazas\u0131 oldu\u011funda. Kazada kusursuz olan taraf, kazada kusurlu arac\u0131n trafik poli\u00e7esinden arac\u0131ndaki maddi hasar\u0131n\u0131n, trafik teminat\u0131n\u0131n kar\u015f\u0131lad\u0131\u011f\u0131 100 bin TL\u2019ye kadar\u0131n\u0131 alabiliyor. Kazada kusursuz olan ara\u00e7 sahibi, arac\u0131n\u0131n maddi hasar\u0131n\u0131 kazada kusurlu olan arac\u0131n trafik poli\u00e7esinden yapt\u0131rd\u0131ktan sonra, arac\u0131ndaki de\u011fer d\u00fc\u015f\u00fc\u015f\u00fcne kar\u015f\u0131l\u0131k tekrar kar\u015f\u0131 arac\u0131n trafik poli\u00e7esine m\u00fcracaat etme hakk\u0131 bulunuyor. Bu uygulama uzun zamand\u0131r vard\u0131. Peki, bug\u00fcn neden sorun olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor? Yak\u0131n zamana kadar 50 \u2013 60 bin TL\u2019ye s\u0131f\u0131r bir ara\u00e7 al\u0131n\u0131rken, trafik poli\u00e7esi 39 bin TL teminat veriyordu. Yani trafik poli\u00e7esindeki teminat s\u0131f\u0131r bir arac\u0131n 2\/3\u2019\u00fcn\u00fc kar\u015f\u0131layabiliyordu. Dolay\u0131s\u0131yla, bir kaza oldu\u011funda ortaya \u00e7\u0131kan hem maddi hasar\u0131 hem de de\u011fer kayb\u0131n\u0131 kar\u015f\u0131layabiliyordu. Ancak, bug\u00fcn durum de\u011fi\u015fti. <strong>De\u011fer kayb\u0131n\u0131n<\/strong> bug\u00fcn g\u00fcndeme gelmesi iki olumsuz geli\u015fmeden kaynaklan\u0131yor: 1. Araba ve par\u00e7a fiyatlar\u0131 \u00e7ok artt\u0131, 2. Trafik teminat\u0131 yeterince artt\u0131r\u0131lmad\u0131.<\/p>\n\n\n\n<p>Bir \u00f6rnek: iki arac\u0131n kar\u0131\u015ft\u0131\u011f\u0131 bir kazada A arac\u0131 %100 kusurlu olup B arac\u0131nda meydana gelen 80.000,00 (seksenbin) TL\u2019lik hasar\u0131n\u0131 trafik poli\u00e7esinden yapt\u0131r\u0131yor.<\/p>\n\n\n\n<p>B ara\u00e7 sahibi, maddi hasar\u0131n\u0131 kar\u015f\u0131lad\u0131ktan sonra A ara\u00e7 sahibinin <strong>trafik poli\u00e7esine<\/strong> tekrar, arac\u0131ndaki <strong>de\u011fer kayb\u0131<\/strong> i\u00e7in ba\u015fvuruyor. Ekspertiz raporu sonucunda B arac\u0131nda 60 bin TL de\u011fer kayb\u0131 ortaya \u00e7\u0131k\u0131yor.<\/p>\n\n\n\n<p>A arac\u0131n\u0131n trafik poli\u00e7esi 100 bin TL\u2019lik k\u0131sm\u0131n\u0131n 80 bin TL\u2019si ile B arac\u0131n\u0131n maddi hasar\u0131n\u0131 \u00f6dedikten sonra geriye 20 bin TL\u2019lik bir limit kal\u0131yor. De\u011fer kab\u0131 ise 60 bin TL\u2019dir. Bu durumda A arac\u0131n\u0131n <strong>trafik poli\u00e7esi de\u011fer kayb\u0131<\/strong> talebinin sadece 20 bin TL\u2019lik k\u0131sm\u0131n\u0131 \u00f6d\u00fcyor. Geriye kalan 40 bin TL\u2019yi A arac\u0131n\u0131n sahibi \u00f6demek zorunda kal\u0131yor.<\/p>\n\n\n\n<p>K\u0131saca, trafik teminat\u0131 maddi hasar + de\u011fer kayb\u0131 toplamda 100 bin TL\u2019ye kadar \u00f6deme yap\u0131yor. \u00dcst\u00fcn\u00fc ruhsat sahibi kar\u015f\u0131 tarafa \u00f6demek zorunda kal\u0131yor.<\/p>\n\n\n\n<p>Burada \u00f6nemli bir husus daha var: <strong>kasko poli\u00e7eleri<\/strong> trafik poli\u00e7esinin \u00f6demekte yetersiz oldu\u011fu maddi hasar\u0131 (verdi\u011fi teminat tutar\u0131 oran\u0131nda) \u00f6derken, de\u011fer kayb\u0131 teminat\u0131 vermiyor ve dolay\u0131s\u0131yla de\u011fer kayb\u0131 taleplerinde trafik poli\u00e7esinin yetersiz kald\u0131\u011f\u0131 durumda <strong>kasko <\/strong>devreye girmiyor.<\/p>\n\n\n\n<p>Olas\u0131 bir kazada de\u011fer kayb\u0131 talebiyle kar\u015f\u0131la\u015farak, maddi a\u00e7\u0131dan zor duruma d\u00fc\u015fmemek i\u00e7in \u00f6nceden alaca\u011f\u0131m\u0131z iki \u00f6nlem vard\u0131r:<\/p>\n\n\n\n<ol type=\"1\"><li>\u00d6nlem: <strong>ara\u00e7 i\u00e7i yol kay\u0131t kameras\u0131z <\/strong>arac\u0131n\u0131zla trafi\u011fe \u00e7\u0131kmay\u0131n. B\u00f6ylece olas\u0131 bir kazada kural hatas\u0131 yapmad\u0131\u011f\u0131n\u0131z\u0131 ispat ederek, y\u00fck\u00fcml\u00fcl\u00fckten kurtulmu\u015f olursunuz.<\/li><li>\u00d6nlem: <strong>de\u011fer kayb\u0131 \u00f6demesi<\/strong> yapan bir s\u0131n\u0131rs\u0131z <strong>imm poli\u00e7esi<\/strong> yapt\u0131rmak.<\/li><\/ol>\n\n\n\n<p>Tavsiyem odur ki, her iki \u00f6nlemi bir arada almak sizin i\u00e7in \u00e7ok daha iyi olacakt\u0131r. Bu iki \u00f6nlemi almak i\u00e7in \u00f6deyece\u011finiz paran\u0131n, ilerde \u00f6demek zorunda kalaca\u011f\u0131n\u0131z on binlerce TL kar\u015f\u0131s\u0131nda bir \u00f6nemi kalmayacakt\u0131r. \u00dcstelik bu iki \u00f6nlemi taksitli olarak yapt\u0131rabilirken, olas\u0131 bir kazada kar\u015f\u0131 tarafa yapaca\u011f\u0131n\u0131z \u00f6deme pe\u015fin olacakt\u0131r.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>14.09.2022, \u00c7ar\u015famba, Samsun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maddi sonu\u00e7lu, en az iki tarafl\u0131 trafik kazas\u0131 oldu\u011funda. Kazada kusursuz olan taraf, kazada kusurlu arac\u0131n trafik poli\u00e7esinden arac\u0131ndaki maddi hasar\u0131n\u0131n, trafik teminat\u0131n\u0131n kar\u015f\u0131lad\u0131\u011f\u0131 100 bin TL\u2019ye kadar\u0131n\u0131 alabiliyor. Kazada kusursuz olan ara\u00e7 sahibi, arac\u0131n\u0131n maddi hasar\u0131n\u0131 kazada kusurlu olan arac\u0131n trafik poli\u00e7esinden yapt\u0131rd\u0131ktan sonra, arac\u0131ndaki de\u011fer d\u00fc\u015f\u00fc\u015f\u00fcne kar\u015f\u0131l\u0131k tekrar kar\u015f\u0131 arac\u0131n trafik poli\u00e7esine m\u00fcracaat etme hakk\u0131 bulunuyor. Bu uygulama uzun zamand\u0131r vard\u0131.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[33,1,36,34,32,35],"tags":[10,6,8,9,3,5,4],"_links":{"self":[{"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1"}],"collection":[{"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=1"}],"version-history":[{"count":3,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1\/revisions"}],"predecessor-version":[{"id":11,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1\/revisions\/11"}],"wp:attachment":[{"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=1"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=1"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/sevincsigorta.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=1"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}