{"id":1479,"date":"2024-05-14T11:21:16","date_gmt":"2024-05-14T11:21:16","guid":{"rendered":"https:\/\/pamukhukuk.com\/?p=1479"},"modified":"2024-05-14T11:25:53","modified_gmt":"2024-05-14T11:25:53","slug":"arac-deger-kaybi-basvurusu-hakkinda-bilgi-bulte","status":"publish","type":"post","link":"https:\/\/pamukhukuk.com\/?p=1479","title":{"rendered":"ARA\u00c7 DE\u011eER KAYBI BA\u015eVURUSU HAKKINDA B\u0130LG\u0130"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1479\" class=\"elementor elementor-1479\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec25268 e-flex e-con-boxed e-con e-parent\" data-id=\"ec25268\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c54bf7b elementor-widget elementor-widget-text-editor\" data-id=\"c54bf7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.16.0 - 14-09-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<ul><li>G\u0130R\u0130\u015e<\/li><\/ul><p>Trafik kazas\u0131na kar\u0131\u015fan arac\u0131n, bu kazaya ba\u011fl\u0131 olarak onar\u0131m\u0131ndan sonra arac\u0131n piyasa rayicine g\u00f6re ya\u015fam\u0131\u015f oldu\u011fu de\u011fer d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcne \u2018de\u011fer kayb\u0131\u2019 denilmektedir. Bu anlamda ara\u00e7 de\u011fer kayb\u0131, kusur oran\u0131nda kazada tamamen kusurlu ya da di\u011fer s\u00fcr\u00fcc\u00fcye nazaran daha kusurlu olan taraf\u00e7a (kusurlu arac\u0131n i\u015fleteni veya s\u00fcr\u00fcc\u00fcs\u00fc) kar\u015f\u0131lanacakt\u0131r.<\/p><p>Ara\u00e7 de\u011fer kayb\u0131n\u0131n talep edilebilmesi i\u00e7in yerine getirilmesi gerekli birtak\u0131m \u015fartlar bulunmaktad\u0131r. \u0130\u015fbu bilgi b\u00fcltenimizde, ara\u00e7 de\u011fer kayd\u0131 ba\u015fvurusu \u015fartlar\u0131, ara\u00e7 de\u011fer kayb\u0131n\u0131n tespiti ve hesaplanmas\u0131, ara\u00e7 de\u011fer kayb\u0131 tazminat davas\u0131 \u015fartlar\u0131, ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131ndan kimlerin hangi oranda sorumlu olaca\u011f\u0131 hususlar\u0131nda incelemelere yer verilmi\u015ftir.<\/p><ul><li>ARA\u00c7 DE\u011eER KAYBI NED\u0130R?<\/li><\/ul><p>Trafik kazas\u0131na kar\u0131\u015fan arac\u0131n, bu kazaya ba\u011fl\u0131 olarak onar\u0131m\u0131ndan sonra arac\u0131n piyasa rayicine g\u00f6re ya\u015fam\u0131\u015f oldu\u011fu de\u011fer d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcne \u2018de\u011fer kayb\u0131\u2019 denilmektedir.<\/p><p>Tramer(Trafik Sigortalar\u0131 Bilgi Merkezi) kayd\u0131na sahip ara\u00e7lar\u0131n ikinci el de\u011ferleri d\u00fc\u015fmekte ve sat\u0131\u015flar\u0131 zor bir hale gelmektedir. Bu anlamda ara\u00e7ta meydana gelen de\u011fer kayb\u0131n\u0131n telafisi \u00f6nemlidir.<\/p><ul><li>ARA\u00c7 DE\u011eER KAYBI TAZM\u0130NATINDAN K\u0130MLER SORUMLUDUR? S\u0130GORTA \u015e\u0130RKETLER\u0130N\u0130N ARA\u00c7 DE\u011eER KAYBINDAN SORUMLULUKLARI VAR MIDIR?<\/li><\/ul><p>Trafik kazas\u0131n\u0131n ger\u00e7ekle\u015fmesinde kusur oran\u0131nda kazada tamamen ya da di\u011fer s\u00fcr\u00fcc\u00fcye nazaran daha kusurlu olan taraf; kusuru bulunmayan veya di\u011fer s\u00fcr\u00fcc\u00fcye nazaran daha az kusurlu olan taraf\u0131n arac\u0131ndaki zarar\u0131 gidermekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu anlamda de\u011fer kayb\u0131na ili\u015fkin taleplerin de kazada kusurlu olan tarafa ve neticesinde trafik sigorta poli\u00e7esini d\u00fczenleyen sigorta \u015firketine kar\u015f\u0131 yap\u0131lmas\u0131 gerekmektedir.<\/p><p>Trafik kazas\u0131n\u0131n ger\u00e7ekle\u015fmesinde kusuru olan taraf\u0131n trafik sigortas\u0131, Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigorta Poli\u00e7esi gere\u011fi yaln\u0131zca kusuru olan taraf\u0131n ara\u00e7lar\u0131n\u0131n sebep oldu\u011fu zararlar\u0131 ve di\u011fer ara\u00e7lara verilen zarar\u0131 kar\u015f\u0131lar. Bunun haricisinde ise i\u015fbu ki\u015filer bu trafik sigortas\u0131 kendi ara\u00e7lar\u0131nda meydana gelen de\u011fer kay\u0131plar\u0131n\u0131 talep edemezler.<\/p><p>Trafik kazas\u0131n\u0131n ger\u00e7ekle\u015fmesinde kusuru olmayan veya di\u011fer tarafa g\u00f6re daha az kusuru olan taraf\u0131n trafik sigorta poli\u00e7esi, kendi ara\u00e7lar\u0131n\u0131n onar\u0131m\u0131n\u0131 ve di\u011fer ara\u00e7lara verilen zarar\u0131 kar\u015f\u0131lar. Kusuru olmayan veya di\u011fer tarafa g\u00f6re daha az kusuru olan taraf\u0131n arac\u0131nda meydana gelen de\u011fer kayb\u0131 ise trafik kazas\u0131n\u0131n ger\u00e7ekle\u015fmesinde kusuru olan di\u011fer taraf\u0131n trafik sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lanacakt\u0131r.<\/p><p>Belirtmek gerekir ki kazada kusuru olan taraf\u0131n kasko sigortas\u0131 mevcutsa ve i\u015fbu sigorta poli\u00e7esi kapsam\u0131nda de\u011fer kayb\u0131n\u0131n \u00f6denece\u011fi de yaz\u0131l\u0131ysa, bu ki\u015fi kusurlu olsa bile kasko \u015firketine de\u011fer kayb\u0131 tazminat\u0131 ba\u015fvurusunda bulunabilir.<\/p><ul><li>ARA\u00c7 DE\u011eER KAYDININ TESP\u0130T\u0130 VE HESAPLANMASI NASIL YAPILMAKTADIR?<\/li><\/ul><p>De\u011fer kayb\u0131 hesaplamas\u0131 01.06.2015 y\u00fcr\u00fcrl\u00fc\u011fe giren Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131 Genel \u015eartlar\u0131 ve eklerinde yer alan y\u00f6ntemler arac\u0131l\u0131\u011f\u0131yla hesaplanmaktad\u0131r. De\u011fer kayb\u0131 hesaplamas\u0131 yap\u0131l\u0131rken; arac\u0131n ya\u015f\u0131, arac\u0131n kilometresi, arac\u0131n marka ve model bilgisi, arac\u0131n hasar ge\u00e7mi\u015fi ve niteli\u011fi, kusur durumu, arac\u0131n \u00fcretim y\u0131l\u0131, arac\u0131n trafi\u011fe \u00e7\u0131k\u0131\u015f tarihi, arac\u0131n piyasa de\u011feri, arac\u0131n hasar kayb\u0131 tutar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurulur.<\/p><ul><li>ARA\u00c7 DE\u011eER KAYBINI TALEP EDEB\u0130LMEK \u0130\u00c7\u0130N GEREKL\u0130 \u015eARTLAR NELERD\u0130R?<\/li><\/ul><p>Arac\u0131nda de\u011fer kayd\u0131 meydana gelen ki\u015filer ilk olarak kusuru olan taraf\u0131n trafik sigorta \u015firketine ba\u015fvuru yapabilmektedirler. \u0130\u015fbu sigorta \u015firketinden de\u011fer kayb\u0131n\u0131 talep edebilmek i\u00e7in gerekli baz\u0131 \u015fartlar bulunmaktad\u0131r. Bunlar;<\/p><ul><li>De\u011fer kayb\u0131 talebinde bulunabilmek i\u00e7in kaza tarihinden itibaren 2 y\u0131l ge\u00e7memi\u015f olmas\u0131 gerekmektedir.<\/li><li>De\u011fer kayb\u0131 talebinde bulunmak isteyen taraf\u0131n, kusurunun olmamas\u0131 veya di\u011fer tarafa g\u00f6re daha az kusurunun olmas\u0131 gerekmektedir.<\/li><li>Trafik kazas\u0131 sonucu hasar g\u00f6ren par\u00e7alar\u0131n, daha \u00f6nce hasar g\u00f6rmemi\u015f olmas\u0131 gerekmektedir.<\/li><li>Ara\u00e7taki hasar d\u00fczeyi, a\u011f\u0131r hasarl\u0131 olarak kabul edilen ve onar\u0131lmayacak d\u00fczeyde hasar olmamal\u0131d\u0131r.<\/li><\/ul><p>\u00a0<\/p><ul><li>ARA\u00c7 DE\u011eER KAYBI BA\u015eVURUSUNDA GEREKL\u0130 BELGELER NELERD\u0130R?<\/li><\/ul><p>Sigorta \u015firketine yap\u0131lan ara\u00e7 de\u011fer kayb\u0131 ba\u015fvurusunda bulunmas\u0131 gerekli baz\u0131 belgeler vard\u0131r. Bunlar;<\/p><ul><li>Ara\u00e7taki de\u011fer kayb\u0131na ili\u015fkin ekspertiz raporu,<\/li><li>Ara\u00e7 de\u011fer kayb\u0131na ili\u015fkin ekspertiz raporunun faturas\u0131,<\/li><li>Kazaya ili\u015fkin kesin ekspertiz raporu,<\/li><li>Kaza tespit tutana\u011f\u0131,<\/li><li>Araca ait ruhsat bilgileri,<\/li><li>Zorunlu Mali Mesuliyet Sigortas\u0131(ZMMS) Poli\u00e7esi,<\/li><li>De\u011fer kayb\u0131 talep edilecek araca ili\u015fkin onar\u0131m foto\u011fraflar\u0131,<\/li><li>Ara\u00e7 sahibinin kimlik foto\u011fraf\u0131,<\/li><li>Onar\u0131m faturas\u0131,<\/li><li>Varsa kasko poli\u00e7esi,<\/li><li>S\u00fcr\u00fcc\u00fc belgeleri,<\/li><li>\u0130\u015flemler avukat arac\u0131l\u0131\u011f\u0131 ile takip edilecekse vekaletname<\/li><\/ul><p>Bu belirtilen belgelerden ba\u015fvuruda bulunmas\u0131 zorunlu olanlar; onar\u0131m faturas\u0131, kaza tespit tutana\u011f\u0131, ehliyet, ruhsat, kazaya ve araca ili\u015fkin foto\u011fraf olmakla birlikte di\u011fer belgelerin ba\u015fvuruya eklenmesi zorunlu de\u011fildir.<\/p><ul><li>S\u0130GORTA TAHK\u0130M KOM\u0130SYONUNA BA\u015eVURU S\u00dcREC\u0130 NASILDIR?<\/li><\/ul><p>Trafik \u015firketlerinin ara\u00e7 de\u011fer kayb\u0131 tazminat\u0131 \u00f6demesini reddetmeleri veya yetersiz \u015fekilde \u00f6demeleri halinde Sigorta Tahkim Komisyonu\u2019na ba\u015fvuru yapmak m\u00fcmk\u00fcnd\u00fcr.<\/p><ul><li>Kendisine ba\u015fvuru yap\u0131lan sigorta \u015firketi, ba\u015fvurudan itibaren 15 g\u00fcn i\u00e7erisinde yaz\u0131l\u0131 olarak cevap vermek zorundad\u0131r. Sigorta \u015firketinden 15 g\u00fcn i\u00e7inde cevap al\u0131namazsa Sigorta Tahkim Komisyonu\u2019na ba\u015fvuru yap\u0131labilmektedir.<\/li><li>Sigorta Tahkim Komisyonu\u2019na ba\u015fvuru i\u00e7in ilk olarak ba\u015fvuru formu doldurularak gerekli belgeler de eklenerek internet \u00fczerinden veya e posta arac\u0131l\u0131\u011f\u0131yla ba\u015fvuru yap\u0131lmaktad\u0131r.<\/li><li>Ba\u015fvurunun kabul edilmesi halinde, komisyon taraf\u0131ndan bir hakem atan\u0131r. Sigortac\u0131l\u0131k Kanunu ve Sigortada Tahkime ili\u015fkin y\u00f6netmelik kapsam\u0131nda bir rapor haz\u0131rlanarak bu hakeme sunulur.<\/li><li>Hakem, atanmas\u0131ndan itibaren 4 ay i\u00e7erisinde karar vermek zorundad\u0131r.<\/li><li>04.2013 tarihinden sonra ya\u015fanan uyu\u015fmazl\u0131klarda Sigorta Tahkim Komisyonu\u2019na ba\u015fvuru i\u00e7in sigorta \u015firketinin, komisyona \u00fcye olma \u015fart\u0131 aranmamaktad\u0131r.<\/li><\/ul><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/p><ul><li>ARA\u00c7 DE\u011eER KAYBI TAZM\u0130NAT DAVASI \u015eARTLARI NELERD\u0130R?<\/li><\/ul><p>Arac\u0131nda de\u011fer kayb\u0131 meydana gelen ki\u015filerin kusuru olan tarafa ve bu taraf\u0131n trafik sigorta \u015firketine kar\u015f\u0131 de\u011fer kayb\u0131 tazminat davas\u0131 a\u00e7ma hakk\u0131 bulunmaktad\u0131r. Ara\u00e7 de\u011fer kayb\u0131 tazminat davas\u0131 a\u00e7\u0131lmas\u0131 i\u00e7in gerekli \u015fartlar mevcuttur. Bunlar;<\/p><ul><li>De\u011fer kayb\u0131 tazminat\u0131 kaza tarihinden itibaren 2 y\u0131l i\u00e7erisinde talep edilmelidir.<\/li><li>De\u011fer kayb\u0131 talebinde bulunmak isteyen taraf\u0131n, kusurunun olmamas\u0131 veya di\u011fer tarafa g\u00f6re daha az kusurunun olmas\u0131 gerekmektedir.<\/li><li>Trafik kazas\u0131 sonucu hasar g\u00f6ren par\u00e7alar\u0131n, daha \u00f6nce hasar g\u00f6rmemi\u015f olmas\u0131 gerekmektedir.<\/li><li>Ara\u00e7taki hasar d\u00fczeyi, a\u011f\u0131r hasarl\u0131 olarak kabul edilen ve onar\u0131lmayacak d\u00fczeyde hasar olmamal\u0131d\u0131r.<\/li><li>K\u0131sa s\u00fcreli kiral\u0131k ara\u00e7lar, taksi, dolmu\u015f, test arac\u0131, koleksiyon ve antika say\u0131lan ara\u00e7lardaki hasar sebebiyle yap\u0131lan de\u011fer kayb\u0131 talepleri ve tekerlekli\/paletli ve z\u0131rhl\u0131 toplumsal m\u00fcdahale ara\u00e7lar\u0131, belediye otob\u00fcsleri, yol s\u00fcp\u00fcrme ara\u00e7lar\u0131, itfaiye ara\u00e7lar\u0131ndaki hasar sebebiyle yap\u0131lan de\u011fer kayb\u0131 talepleri teminat kapsam\u0131 d\u0131\u015f\u0131nda kalmaktad\u0131r.<\/li><li>SONU\u00c7<\/li><\/ul><p>Sonu\u00e7 olarak, ger\u00e7ekle\u015fen trafik kazas\u0131 sonras\u0131 ara\u00e7lar\u0131nda de\u011fer kayb\u0131 meydana gelen ki\u015filerin i\u015fbu de\u011fer kayb\u0131n\u0131 tazmin i\u00e7in kusurlu olan taraf\u0131n sigorta \u015firketine ba\u015fvuru yapmalar\u0131 m\u00fcmk\u00fcnd\u00fcr. Bu ba\u015fvuruya onar\u0131m faturas\u0131, kaza tespit tutana\u011f\u0131, ehliyet, ruhsat, kazaya ve araca ili\u015fkin foto\u011fraf\u0131n eklenmesi zorunludur. Sigorta \u015firketi, kendisine yap\u0131lan ba\u015fvurulara 15 g\u00fcn i\u00e7erisinde yaz\u0131l\u0131 olarak cevap vermek zorundad\u0131r. S\u00fcresi i\u00e7erisinde cevap vermemesi, ba\u015fvuruyu reddetmesi veya yetersiz \u00f6deme yapmas\u0131 hallerinde Sigorta Tahkim Komisyonu\u2019na ba\u015fvuru yapmak m\u00fcmk\u00fcnd\u00fcr. Bunlar\u0131n d\u0131\u015f\u0131nda, arac\u0131ndan de\u011fer kayb\u0131 meydana gelen ki\u015finin kusurlu olan ara\u00e7 s\u00fcr\u00fcc\u00fcs\u00fcne ve sigorta \u015firketine de\u011fer kayb\u0131 tazminat davas\u0131 a\u00e7ma hakk\u0131 da mevcuttur.<\/p><p>Sigorta \u015firketlerinde yap\u0131lacak ba\u015fvurularda eksiklik olmamas\u0131 ve s\u00fcrecin usul\u00fcne uygun ve eksiksiz bir \u015fekilde ilerlemesi anlam\u0131nda hukuki yard\u0131m almak \u00f6nem arz etmektedir.<\/p><p>Sayg\u0131lar\u0131m\u0131zla<\/p><p>Pamuk Hukuk B\u00fcrosu<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>G\u0130R\u0130\u015e Trafik kazas\u0131na kar\u0131\u015fan arac\u0131n, bu kazaya ba\u011fl\u0131 olarak onar\u0131m\u0131ndan sonra arac\u0131n piyasa rayicine g\u00f6re ya\u015fam\u0131\u015f oldu\u011fu de\u011fer d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcne \u2018de\u011fer kayb\u0131\u2019 denilmektedir. Bu anlamda ara\u00e7 de\u011fer kayb\u0131, kusur oran\u0131nda kazada tamamen kusurlu ya da di\u011fer s\u00fcr\u00fcc\u00fcye nazaran daha kusurlu olan taraf\u00e7a (kusurlu arac\u0131n i\u015fleteni veya s\u00fcr\u00fcc\u00fcs\u00fc) kar\u015f\u0131lanacakt\u0131r. Ara\u00e7 de\u011fer kayb\u0131n\u0131n talep edilebilmesi i\u00e7in yerine getirilmesi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/posts\/1479"}],"collection":[{"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1479"}],"version-history":[{"count":5,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/posts\/1479\/revisions"}],"predecessor-version":[{"id":1485,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=\/wp\/v2\/posts\/1479\/revisions\/1485"}],"wp:attachment":[{"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pamukhukuk.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}