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Doludan hasar g\u00f6ren ara\u00e7lar\u0131n kasko dahilinde onar\u0131mlar\u0131n\u0131n yap\u0131labilece\u011fini s\u00f6yleyen sigorta \u015firketi \u00fcst y\u00f6neticisi \u00c7ift\u00e7i, \u201cHasar\u0131n olu\u015ftu\u011fu g\u00fcnden itibaren 5 i\u015f g\u00fcn\u00fc i\u00e7erisinde sigorta \u015firketlerine ba\u015fvuruda bulunulmal\u0131, kasko poli\u00e7esi al\u0131nd\u0131\u011f\u0131nda genel olarak dolu teminat\u0131 otomatik olarak verilir\u201d diye konu\u015ftu.<\/p>\n
\u0130stanbul\u2019da ge\u00e7ti\u011fimiz g\u00fcn etkili olan dolu ya\u011f\u0131\u015f\u0131n\u0131n ard\u0131ndan, binlerce ara\u00e7 hasar g\u00f6rd\u00fc. Ya\u011f\u0131\u015f\u0131n etkisiyle ara\u00e7larda meydana gelen g\u00f6\u00e7\u00fcklerin onar\u0131mlar\u0131n\u0131n sigorta kapsam\u0131na dahil olup olmad\u0131\u011f\u0131 sorgulanmaya ba\u015fland\u0131. Konuyla ilgili bilgi veren IBS Sigorta ve Reas\u00fcrans Brokerli\u011fi CEO\u2019su Murat \u00c7ift\u00e7i, ara\u00e7 sahiplerini uyard\u0131. \u00c7ift\u00e7i, hasar\u0131n olu\u015ftu\u011fu g\u00fcnden itibaren 5 i\u015f g\u00fcn\u00fc i\u00e7erisinde ma\u011fdurlar\u0131n sigorta \u015firketlerine bildirim yap\u0131lmas\u0131 ve ilgili dosyan\u0131n a\u00e7t\u0131r\u0131lmas\u0131 gerekti\u011finin alt\u0131n\u0131 \u00e7izdi. \u00c7ift\u00e7i, kasko poli\u00e7esi al\u0131nd\u0131\u011f\u0131nda genel olarak dolu teminat\u0131n\u0131n otomatik olarak verildi\u011finin alt\u0131n\u0131 \u00e7izen \u00c7ift\u00e7i, \u201cE\u011fer poli\u00e7enizin yap\u0131s\u0131 dahilinde a\u00e7\u0131k bir \u015fekilde dolu hasarlar\u0131n\u0131n dahil olmad\u0131\u011f\u0131n\u0131 g\u00f6steren bir maddeniz yok ise alm\u0131\u015f oldu\u011funuz kasko poli\u00e7esi b\u00f6yle bir hasar\u0131 \u00f6der\u201d diye konu\u015ftu.<\/p>\n
\u201cTrafik sigortas\u0131 dolu hasar\u0131n\u0131 kar\u015f\u0131lamaz\u201d<\/p>\n
Dolu ya\u011f\u0131\u015f\u0131n\u0131n sigorta \u015firketleri taraf\u0131ndan senede bir kez bekledi\u011fi hasar durumlar\u0131ndan oldu\u011funu belirten Murat \u00c7ift\u00e7i, \u201cTrafik sigortas\u0131 bu tarz hasarlar\u0131 kar\u015f\u0131lamaz. Bu tarz hasar\u0131n kar\u015f\u0131lanmas\u0131 i\u00e7in kasko poli\u00e7enizin olmas\u0131 gerekir. Teminat i\u00e7eri\u011fi burada b\u00fct\u00fcn risklerde \u00f6nemlidir ama genel bir kasko poli\u00e7esi ald\u0131\u011f\u0131n\u0131zda dolu teminat\u0131 otomatik olarak verilir. E\u011fer poli\u00e7enizin yap\u0131s\u0131 dahilinde a\u00e7\u0131k bir \u015fekilde dolu hasarlar\u0131n\u0131 dahil olmad\u0131\u011f\u0131n\u0131 g\u00f6steren bir maddeniz yok ise alm\u0131\u015f oldu\u011funuz kasko poli\u00e7esi b\u00f6yle bir hasar\u0131 \u00f6der. Kullan\u0131c\u0131lar nas\u0131l olsa sigortam var i\u015fim yokken buna ba\u015fvururum tarz\u0131nda d\u00fc\u015f\u00fcn\u00fcrler. Genel \u015fartlarda hasar ger\u00e7ekle\u015ftikten sonra en ge\u00e7 5 i\u015f g\u00fcn\u00fc i\u00e7erisinde sigorta \u015firketine m\u00fcracaat edilmesi ve gerekli dosyan\u0131n a\u00e7t\u0131r\u0131lmas\u0131 gerekir. B\u00f6ylelikle poli\u00e7eden kazanm\u0131\u015f oldu\u011funuz haklar\u0131n\u0131z kaybetmemi\u015f olursunuz. Hasar ger\u00e7ekle\u015ftikten sonra zaman\u0131nda sigorta \u015firketlerini bildirim yapmak b\u00fcy\u00fck \u00f6nem te\u015fkil ediyor\u201d \u015feklinde konu\u015ftu.<\/p>\n
\u201cMini onar\u0131m dahilinde hasars\u0131zl\u0131k sistemi bozulmaz\u201d<\/p>\n
S\u00f6zlerine devam eden \u00c7ift\u00e7i, \u201cDolu teminat\u0131 otomatik olarak t\u00fcm teminatlarda gelen bir \u00fcr\u00fcn. E\u011fer \u00e7ok bir ucuz \u00fcr\u00fcne y\u00f6nelmediyseniz o alm\u0131\u015f oldu\u011funuz hangi sigorta \u015firketinden olursa olsun kasko \u00fcr\u00fcn\u00fcn i\u00e7erisinde mutlaka dolu teminat\u0131 olur. Hasar olu\u015ftuktan sonra hasar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcne ve k\u00fc\u00e7\u00fckl\u00fc\u011f\u00fcne g\u00f6re bir\u00e7ok hasar sigorta \u015firketinin mini onar\u0131m dahilinde de\u011ferlendirilir. Hasars\u0131zl\u0131k sistemi bozulmaz burada. Baz\u0131 sigorta \u015firketlerinde ise arac\u0131n ciddi bir tamire ihtiyac\u0131 durumunda hasars\u0131zl\u0131k durumu bozulabilir\u201d ifadelerini kulland\u0131.<\/p>\n
\u201cDolu ya\u011f\u0131\u015f\u0131n\u0131n sekt\u00f6re 500 milyon lira civar\u0131nda bir hasar\u0131 olabilir\u201d<\/p>\n
Son olarak ge\u00e7ti\u011fimiz g\u00fcnlerde olan dolu hasar\u0131n\u0131n 2017 y\u0131l\u0131nda olan dolu hasar\u0131na g\u00f6re nispeten daha hafif ge\u00e7ti\u011fini belirten \u00c7ift\u00e7i, \u201cZarar anlam\u0131nda da daha az zarar verecekmi\u015f gibi g\u00f6r\u00fcn\u00fcyor. Temmuz 2017\u2019de olan dolu ya\u011f\u0131\u015f\u0131 mesai \u00e7\u0131k\u0131\u015f\u0131nda oldu\u011fundan dolay\u0131 sigorta sekt\u00f6r\u00fcne ciddi bir rakam oldu. Tam say\u0131 veremesem de 5 binin \u00fczerinde ara\u00e7 hasar g\u00f6rm\u00fc\u015ft\u00fc o d\u00f6nemde. Mali kar\u015f\u0131l\u0131\u011f\u0131 ise sigorta sekt\u00f6r\u00fcne 1 milyar liral\u0131k hasar tutar\u0131 oldu. Buna nispeten ge\u00e7enlerde olan dolu ya\u011f\u0131\u015f\u0131 daha az hasara neden oldu. Muhtemelen 500 milyon lira civar\u0131nda bir hasar olabilir. Bu tutar t\u00fcm sigorta sekt\u00f6r\u00fcne yakla\u015f\u0131k bir tutar\u201d diye s\u00f6zlerini tamamlad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
DOLU MA\u011eDURU ARA\u00c7 SAH\u0130PLER\u0130NE UYARI: \u201c5 \u0130\u015e G\u00dcN\u00dc \u0130\u00c7ER\u0130S\u0130NDE S\u0130GORTA \u015e\u0130RKET\u0130N\u0130ZE BA\u015eVURUN\u201d<\/p>\n","protected":false},"author":1,"featured_media":1537604,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1,20],"tags":[15885,1189,42414,13296,12510,611,18785,1200,14293,6957,16185,2969,118153,5971],"class_list":["post-1537603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-gundem","category-turkiye","tag-15885","tag-arac","tag-basvurun","tag-dolu","tag-gunu","tag-haber","tag-icerisinde","tag-is","tag-magduru","tag-ozel","tag-sahiplerine","tag-sigorta","tag-sirketinize","tag-uyari"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1537603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1537603"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/posts\/1537603\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=\/wp\/v2\/media\/1537604"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1537603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1537603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1537603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}