{"id":1009,"date":"2024-01-23T12:55:30","date_gmt":"2024-01-23T12:55:30","guid":{"rendered":"https:\/\/www.ayyildizsigorta.com.tr\/bilgi\/?p=1009"},"modified":"2024-03-20T08:26:13","modified_gmt":"2024-03-20T08:26:13","slug":"hasar-basamaginiz-trafik-sigortasi-fiyatinizi-etkiler","status":"publish","type":"post","link":"https:\/\/www.ayyildizsigorta.com.tr\/bilgi\/hasar-basamaginiz-trafik-sigortasi-fiyatinizi-etkiler\/","title":{"rendered":"Hasar Basama\u011f\u0131n\u0131z Trafik Sigortas\u0131 Fiyat\u0131n\u0131z\u0131 Etkiler"},"content":{"rendered":"\n

Yeni bir yaz\u0131m\u0131zdan merhaba. <\/strong>
Sigorta k\u00fclt\u00fcr\u00fcn\u00fc anlatmay\u0131 kendimize misyon edindi\u011fimiz bu g\u00fcncel sigortac\u0131l\u0131k blo\u011funda bu sefer hasar basama\u011f\u0131 veya di\u011fer yayg\u0131n kullan\u0131lan ad\u0131 ile hasars\u0131zl\u0131k indirimine ait konulara de\u011finece\u011fiz. Trafik sigortas\u0131 ile kasko hasar basamaklar\u0131 farkl\u0131 oldu\u011fu i\u00e7in bu yaz\u0131m\u0131zda sadece trafik sigortas\u0131 hasar basama\u011f\u0131 ile ilgili a\u00e7\u0131klamalar\u0131 ve \u00f6rnekleri bulacaks\u0131n\u0131z.<\/p>\n\n\n\n

Yaz\u0131 \u0130\u00e7erisindeki Ba\u015fl\u0131klar:<\/strong>
– Hasar Basama\u011f\u0131 Nedir? Neden Kullan\u0131l\u0131r?<\/a><\/strong>
– Neden Hasar Basama\u011f\u0131 Var?<\/a><\/strong>
– Trafik Sigortas\u0131 Hasar Basama\u011f\u0131n\u0131n Kurallar\u0131 Nelerdir?<\/a> <\/strong>
– Hasars\u0131zl\u0131k \u0130ndirimi Nedir?<\/a><\/strong>
– Y\u0131llara G\u00f6re Trafik Sigortas\u0131 Hasar Basama\u011f\u0131 Art\u0131\u015f\u0131na ve Azal\u0131\u015f\u0131na \u00d6rnek<\/a><\/strong>
– Hasar Basama\u011f\u0131 Sorgulama Edevlet’ten Nas\u0131l Yap\u0131l\u0131r?<\/a><\/strong>
– Ya\u015fanm\u0131\u015f \u00d6rnekler \u00dczerinden Hasar Basama\u011f\u0131 Soru Cevap \u00d6rnekleri<\/a><\/strong>
<\/p>\n\n\n\n

Bunu konuyu a\u00e7\u0131klamak i\u00e7in “Sigortac\u0131l\u0131k” sisteminin \u00e7al\u0131\u015fma mant\u0131\u011f\u0131na k\u0131saca de\u011finmek do\u011fru olacakt\u0131r. Sigorta sizin tedbir alman\u0131z\u0131, kurallara uyman\u0131z\u0131 ister. Sonras\u0131nda bir kaza olu\u015fursa sizin o zor vaktinizde yan\u0131n\u0131zda olmak ister. \u00d6rne\u011fin arac\u0131n\u0131z ile kaza yapt\u0131\u011f\u0131n\u0131zda e\u011fer hata sizde ise trafik sigortan\u0131z devreye girerek kar\u015f\u0131 tarafa verdi\u011finiz maddi zarar\u0131 giderir. Kasko ise kendi arac\u0131n\u0131za gelen zararlar i\u00e7in devreye girerek o zor an\u0131n\u0131zda sizin arac\u0131n\u0131z\u0131n hasar\u0131n\u0131 gideren bir maddi g\u00fc\u00e7 olur. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Peki Hasar Basama\u011f\u0131 Nedir? Neden Kullan\u0131l\u0131r?<\/strong>
Sigorta \u015firketleri her ki\u015fiyi ayr\u0131 bir sigortal\u0131 olarak g\u00f6r\u00fcr. Bunun sebebi ise herkesin ya\u015fam \u015feklinin farkl\u0131 olmas\u0131ndand\u0131r. \u00d6rne\u011fin h\u0131z s\u0131n\u0131rlar\u0131na, kurallara uyan ve s\u00fcr\u00fc\u015f kabiliyetini geli\u015ftirmi\u015f iyi bir s\u00fcr\u00fcc\u00fc ile h\u0131z s\u0131n\u0131rlar\u0131na ve kurallara uysa da s\u00fcr\u00fc\u015f kabiliyetini geli\u015ftirmeye vakit ay\u0131rmam\u0131\u015f bir ki\u015fiyi ayr\u0131 ayr\u0131 de\u011ferlendirir. \u00c7\u00fcnk\u00fc iyi s\u00fcr\u00fcc\u00fc genel olarak az kazaya sebebiyet verirken s\u00fcr\u00fc\u015f kabiliyetini geli\u015ftirmemi\u015f s\u00fcr\u00fcc\u00fc daha fazla kazaya sebebiyet verir. <\/p>\n\n\n\n

\u0130\u015fte tam olarak sigorta \u015firketleri bu iki s\u00fcr\u00fcc\u00fcden kaza yapmayan s\u00fcr\u00fcc\u00fcye indirim yapmak isterken, kaza yapan s\u00fcr\u00fcc\u00fcye de fiyat art\u0131rarak bir yapt\u0131r\u0131m uygular. Bunun temel sebebi her ikisinin de 1 y\u0131l i\u00e7inde ki kaza yapma risk oranlar\u0131d\u0131r. Trafik sigortas\u0131nda ki\u015filerin bu t\u00fcr riskleri analiz edilir ve bu sebepten fiyatlar \u015fahsa \u00f6zel \u00e7\u0131kar. Bu analizler i\u00e7inde de bir \u00e7ok etmen vard\u0131r ancak bu yaz\u0131m\u0131zda “Hasar Basama\u011f\u0131” etmenini detayl\u0131 anlataca\u011f\u0131z. <\/p>\n\n\n\n

\"Trafik<\/figure>\n\n\n\n

<\/p>\n\n\n\n

Neden Hasar Basama\u011f\u0131 Var?<\/strong>
Kazaya sebebiyet vermeyen bilin\u00e7li s\u00fcr\u00fcc\u00fcye indirim yaparken, kazaya sebebiyet veren s\u00fcr\u00fcc\u00fcye fiyat art\u0131rarak yapt\u0131rmak uygulamak i\u00e7in hasar basama\u011f\u0131 vard\u0131r. <\/p>\n\n\n\n

Hasar Basama\u011f\u0131 arac\u0131n\u0131z ile 1 y\u0131l i\u00e7inde ki kaza durumunuza g\u00f6re artan veya azalan bir sistemdir.
Basamak de\u011ferleri “0.Basamak” ile “8. Basamak” aral\u0131\u011f\u0131nda de\u011ferlendirilen bir sistemdir. S\u0131f\u0131r ile ba\u015flad\u0131\u011f\u0131 i\u00e7in toplamda 9 basamakl\u0131 bir sitemdir. Say\u0131larla ile ifade edilir. Hasar basama\u011f\u0131 s\u00fcr\u00fcc\u00fcye de\u011fil ara\u00e7 sahibine etki eder.<\/p>\n\n\n\n

Hasar basama\u011f\u0131 artt\u0131k\u00e7a (8.basama\u011fa gidildik\u00e7e) sigorta fiyatlar\u0131 ucuzlar, <\/i>
hasar basama\u011f\u0131 azald\u0131k\u00e7a (0.basama\u011fa gidildik\u00e7e) sigorta fiyatlar\u0131 pahalan\u0131r.<\/i><\/p>\n\n\n\n

Trafik Sigortas\u0131 Hasar Basama\u011f\u0131n\u0131n Kurallar\u0131 Nelerdir? <\/strong>
– Her ara\u00e7 sahibinin bir hasar basama\u011f\u0131 vard\u0131r. (Dikkat edin s\u00fcr\u00fcc\u00fcn\u00fcn de\u011fil.)
– \u0130lk defa ara\u00e7 alan ki\u015fi 4.basamaktan ba\u015flar. 4.basamak standart basamakt\u0131r.
– Kaza yapt\u0131\u011f\u0131n\u0131zda e\u011fer hatal\u0131\/kusurluysan\u0131z hasar basama\u011f\u0131n\u0131z d\u00fc\u015fer. Bu olumsuz bir durumdur. Trafik sigortas\u0131 fiyat\u0131n\u0131z\u0131 art\u0131r\u0131r.
– Kaza yapt\u0131\u011f\u0131n\u0131zda hata\/kusur sizde de\u011fil ise o zaman hasar basama\u011f\u0131n\u0131zda ne azalma olur ne art\u0131\u015f olur. \u00c7\u00fcnk\u00fc kusur kar\u015f\u0131 taraftad\u0131r. E\u011fer 1 y\u0131ll\u0131k s\u00fcre\u00e7te farkl\u0131 bir kusurlu oldu\u011funuz kazaya kar\u0131\u015fmazsan\u0131z, hasar basamak de\u011feriniz artar.
– Kaza yapmad\u0131\u011f\u0131n\u0131z her y\u0131l basamak de\u011feriniz artar. Bu iyi bir durumdur. Trafik Sigortas\u0131 fiyat\u0131n\u0131z\u0131 azalt\u0131r, hasars\u0131zl\u0131k indirimi al\u0131rs\u0131n\u0131z.
– 1 y\u0131l i\u00e7inde \u00f6rne\u011fin 2 defa kusurlu olarak kaza yapman\u0131z halinde basamak de\u011feriniz 2 kademe birden d\u00fc\u015fer. Kaza say\u0131s\u0131na g\u00f6re e\u011fer kusurluysan\u0131z hasar kademeniz d\u00fc\u015fer.
– Zincirleme bir kazada kusur sizde ise ka\u00e7 adet araca kar\u015f\u0131 sorumluysan\u0131z o say\u0131 kadar basamak de\u011feriniz d\u00fc\u015fer.
– Bir kazada maddi hasara u\u011frayan 1 ara\u00e7 var, daimi bedeni sakatl\u0131k ya\u015fayarak tazminat hak eden 1 ki\u015fi var ve vefat tazminat\u0131 hak eden 1 ki\u015fi var ise her biri i\u00e7in basamak de\u011feri ayr\u0131 ayr\u0131 d\u00fc\u015fer. Yani 3 basamak azalma olur. (Hatta bunlar\u0131n say\u0131s\u0131 daha fazla ise o say\u0131 kadar hasar basama\u011f\u0131 da d\u00fc\u015fer.)
– Hasars\u0131zl\u0131k basama\u011f\u0131n\u0131z sadece sahibi oldu\u011funuz ara\u00e7 kullan\u0131m tarz\u0131na g\u00f6re derecelendirilir.
\u00d6rne\u011fin otomobil kullan\u0131m tarz\u0131nda ald\u0131\u011f\u0131n\u0131z bir indirimli sicil sizin yeni ald\u0131\u011f\u0131n\u0131z bir kamyonette i\u015fe yaramayacakt\u0131r. Ama 4. basama\u011f\u0131n alt\u0131na d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fcz her sicil de ara\u00e7 kullan\u0131m tarz\u0131na bak\u0131lmaks\u0131z\u0131n di\u011fer kullan\u0131m tarz\u0131 ara\u00e7lar\u0131n\u0131z i\u00e7inde ge\u00e7erli olacakt\u0131r.<\/p>\n\n\n\n

Hasars\u0131zl\u0131k \u0130ndirimi Nedir?<\/strong>
– E\u011fer iyi bir s\u00fcr\u00fcc\u00fc olursan\u0131z ve 1 y\u0131l boyunca kendi kusurunuz ile bir kazaya sebebiyet vermezseniz basamak de\u011feriniz bir de\u011fer artarak y\u00fckselir. B\u00f6ylece \u00f6d\u00fcl olarak o basama\u011f\u0131n indirim oran\u0131 kadar sigorta \u015firketleri indirim yapar. Buna “hasars\u0131zl\u0131k indirimi” denir. <\/p>\n\n\n\n

– Her kaza yapmad\u0131\u011f\u0131n\u0131z y\u0131l, daha do\u011frusu kusurlu olarak kaza yapmad\u0131\u011f\u0131n\u0131z her y\u0131l i\u00e7in iyi s\u00fcr\u00fcc\u00fc oman\u0131za ba\u011fl\u0131 sigorta hasar kademeniz artar. Bu art\u0131\u015f 8.Basama\u011fa kadard\u0131r. 8.Basamaktan daha yukar\u0131s\u0131 2024 y\u0131l\u0131 itibari ile bulunmamaktad\u0131r. <\/p>\n\n\n\n

Y\u0131llara G\u00f6re Trafik Sigortas\u0131 Hasar Basama\u011f\u0131 Art\u0131\u015f\u0131na ve Azal\u0131\u015f\u0131na \u00d6rnek:<\/strong><\/p>\n\n\n\n

Satt\u0131\u011f\u0131n\u0131z bir ara\u00e7 yok ve yeni ara\u00e7 ald\u0131\u011f\u0131n\u0131z\u0131 varsayal\u0131m. Ayr\u0131ca 6 y\u0131l boyunca da kazaya sebep olmad\u0131n\u0131z<\/u> diyelim. Hasar basama\u011f\u0131 senaryonuz \u015fu \u015fekilde olacakt\u0131r:<\/i>
1. y\u0131ldan 2. y\u0131la ge\u00e7erken 4.basamaktan 5.basama\u011fa \u00e7\u0131kars\u0131n\u0131z. (%5 indirim kazan\u0131l\u0131r)
2.y\u0131ldan 3.y\u0131la ge\u00e7erken 5.basamaktan 6.basama\u011fa \u00e7\u0131kars\u0131n\u0131z. (%20 indirim kazan\u0131l\u0131r)
3.y\u0131ldan 4.y\u0131la ge\u00e7erken 6.basamaktan 7.basama\u011fa \u00e7\u0131kars\u0131n\u0131z. (%40 indirim kazan\u0131l\u0131r)
4.y\u0131ldan 5.y\u0131la ge\u00e7erken 7.basamaktan 8.basama\u011fa \u00e7\u0131kars\u0131n\u0131z. (%50 indirim kazan\u0131l\u0131r)
5.y\u0131ldan 6.y\u0131la ge\u00e7erken yine 8.basamakta olursunuz. \u00c7\u00fcnk\u00fc \u00fcst limittir. (%65 indirim kazan\u0131l\u0131r)<\/p>\n\n\n\n

Ayn\u0131 senaryo i\u00e7in birde 5 y\u0131l kaza yapt\u0131\u011f\u0131n\u0131zda<\/u> ki hasar basama\u011f\u0131 d\u00fc\u015f\u00fc\u015f kademe azalma \u00f6rne\u011fi verelim:<\/i>
1. y\u0131ldan 2. y\u0131la ge\u00e7erken 4.basamaktan 3.basama\u011fa inersiniz. (%45 fiyat artar)
2.y\u0131ldan 3.y\u0131la ge\u00e7erken 3.basamaktan 2.basama\u011fa inersiniz. (%90 fiyat artar)
3.y\u0131ldan 4.y\u0131la ge\u00e7erken 2.basamaktan 1.basama\u011fa inersiniz. (%135 fiyat artar)
4.y\u0131ldan 5.y\u0131la ge\u00e7erken 1.basamaktan 0.basama\u011fa inersiniz. (%200 fiyat artar)
5.y\u0131ldan 6.y\u0131la ge\u00e7erken yine 0.basamakta olursunuz. \u00c7\u00fcnk\u00fc alt limittir. (%200’den fazla fiyat artar)<\/p>\n\n\n\n

Hasar Basama\u011f\u0131 Sorgulama Edevlet’ten Nas\u0131l Yap\u0131l\u0131r?<\/strong>
E-devlet sistemini kullanarak hasar basama\u011f\u0131 sorgulamak i\u00e7in e-devlet sistemine giri\u015f yap\u0131n\u0131z.
Arama k\u0131sm\u0131na Trafik Poli\u00e7e ve Hasar Bilgi Sorgulama<\/a> yazarak aratma yap\u0131n\u0131z.
\u015eah\u0131s olarak bakacaksan\u0131z “Trafik Poli\u00e7e ve Hasar Bilgileri Sorgulama”<\/i> t\u0131klayabilirsiniz.
Gelen ekranda Plaka Numaras\u0131<\/i> k\u0131sm\u0131na plakan\u0131z\u0131 yazarak “Sorgula” butonuna bas\u0131n\u0131z.
Bsmk. K. yazan yerde yazan numara sizin Basamak Kademenizdir.
Ayr\u0131ca ayn\u0131 alanda yer alan “Detayl\u0131 Bilgi” k\u0131sm\u0131ndan da “Tarife Basamak Kodu” alan\u0131ndan g\u00f6rebilirsiniz.<\/p>\n\n\n\n

E-devlette kendi \u00fczerinize olan ya da miras\u00e7\u0131 oldu\u011funuz ara\u00e7lar\u0131 g\u00f6rebilirsiniz.
Bunun haricinde ruhsat bilgilerinizi bizimle payla\u015f\u0131rsan\u0131z bizlerde kontrol ederek hasar basama\u011f\u0131n\u0131z\u0131 sizlerle payla\u015fabilmekteyiz.<\/p>\n\n\n\n

\"edevlet<\/figure>\n\n\n\n

<\/p>\n\n\n\n

YA\u015eANMI\u015e \u00d6RNEKLER \u00dcZER\u0130NDEN HASAR BASAMA\u011eI SORU CEVAPLARI<\/strong><\/p>\n\n\n\n

\u00d6rnek-2:<\/strong>
Yapm\u0131\u015f oldu\u011fum kazada %50 kusur bana, %50 kusur kar\u015f\u0131 tarafa verildi. Hasar basamak de\u011ferim ne olur?
Ayy\u0131ld\u0131z Ays Sigorta Cevap:<\/strong>
Maalesef hasar basama\u011f\u0131n\u0131z 1 kademe d\u00fc\u015fer. <\/p>\n\n\n\n

<\/p>\n\n\n\n

\u00d6rnek-3: <\/strong>
Ben 7.basamaktayd\u0131m. Arac\u0131m\u0131 satt\u0131m ve yeni ara\u00e7 alaca\u011f\u0131m. O\u011flumun \u00fcst\u00fcne hi\u00e7 ara\u00e7 yoktu. Onun ad\u0131na alsam daha uygun mu \u00e7\u0131kar?
Ayy\u0131ld\u0131z Ays Sigorta Cevap: <\/strong>
7. basamak iyi bir basamak de\u011feridir ve indirimi vard\u0131r. O\u011flunuzun ilk defa arac\u0131 olaca\u011f\u0131 i\u00e7in 4.basamaktan ba\u015flar. Yani standart basamaktan giri\u015f yapar. 4.basama\u011fa g\u00f6re 7.basamak daha iyidir. Bu sebeple kendi \u00fczerinize alman\u0131z hasars\u0131zl\u0131k indiriminizi kullanman\u0131z\u0131 sa\u011flar. <\/p>\n\n\n\n

<\/p>\n\n\n\n

\u00d6rnek-4:<\/strong>
Benim 2 tane arac\u0131m var. Birini sat\u0131p farkl\u0131 bir ara\u00e7 alaca\u011f\u0131m. Trafik sigortas\u0131 i\u00e7in hangisini satmam yarar\u0131ma olur?
Ayy\u0131ld\u0131z Ays Sigorta Cevap:<\/strong>
Her arac\u0131n hasar basamak de\u011feri kendine \u00f6zg\u00fcd\u00fcr. Birbirini etkilemez. 2 arac\u0131n\u0131zda otomobil ise ve alaca\u011f\u0131n\u0131z ara\u00e7ta otomobil ise bu durumda hangisinin hasar basamak de\u011feri y\u00fcksek ise onu sat\u0131p yeni alaca\u011f\u0131n\u0131z arac\u0131 \u00f6yle alman\u0131z hasars\u0131zl\u0131k indiriminizi kullanman\u0131z\u0131 sa\u011flar. Ancak iki arac\u0131n\u0131zda duracak ve \u00fc\u00e7\u00fcnc\u00fc arac\u0131n\u0131z\u0131 alacaksan\u0131z bu ara\u00e7 4.basamaktan ba\u015flar.<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u00d6rnek-5:<\/strong>
Benim 3. basamakta olan bir otomobilim ve 8. basamakta olan bir otomobilim vard\u0131. Ekonomik durumlardan satt\u0131m. \u015eimdi tekrardan otomobil sat\u0131n alaca\u011f\u0131m. Alaca\u011f\u0131m ara\u00e7 i\u00e7in hangisi ge\u00e7erli olacakt\u0131r?
Ayy\u0131ld\u0131z Ays Sigorta Cevap:<\/strong>
Bu t\u00fcr durumlarda her zaman i\u00e7in en d\u00fc\u015f\u00fck basamak de\u011feri dikkate al\u0131n\u0131r. \u00c7\u00fcnk\u00fc sigortac\u0131l\u0131kta hesaplamalar risk durumlar\u0131na g\u00f6re hesaplan\u0131r. Sizin de risk analiziniz kontrol edildi\u011finde 3. basamak oldu\u011fu i\u00e7in yeni alaca\u011f\u0131n\u0131z ara\u00e7 3. basamaktan i\u015flem g\u00f6r\u00fcr. Yani normalden %45 pahal\u0131 \u00e7\u0131kacakt\u0131r. <\/p>\n\n\n\n

<\/p>\n\n\n\n

De\u011ferli okuyucumuz bu konu hakk\u0131nda farkl\u0131 sorular\u0131n\u0131z olmas\u0131 halinde bizlere 0538 058 6767<\/a> numaram\u0131zdan veya bu numaran\u0131n whatsapp mesajlar k\u0131sm\u0131ndan ula\u015fabilirsiniz.<\/p>\n\n\n\n

Ayy\u0131ld\u0131z Ays Sigorta Blog Ekibi<\/p>\n","protected":false},"excerpt":{"rendered":"

Yeni bir yaz\u0131m\u0131zdan merhaba. Sigorta k\u00fclt\u00fcr\u00fcn\u00fc anlatmay\u0131 kendimize misyon edindi\u011fimiz bu g\u00fcncel sigortac\u0131l\u0131k blo\u011funda bu sefer hasar basama\u011f\u0131 veya di\u011fer yayg\u0131n kullan\u0131lan ad\u0131 ile hasars\u0131zl\u0131k indirimine ait konulara de\u011finece\u011fiz. Trafik sigortas\u0131 ile kasko hasar basamaklar\u0131 farkl\u0131 oldu\u011fu i\u00e7in bu yaz\u0131m\u0131zda sadece trafik sigortas\u0131 hasar basama\u011f\u0131 ile ilgili a\u00e7\u0131klamalar\u0131 ve \u00f6rnekleri bulacaks\u0131n\u0131z. Yaz\u0131 \u0130\u00e7erisindeki Ba\u015fl\u0131klar: – […]<\/p>\n","protected":false},"author":1,"featured_media":1148,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"yoast_head":"\nHasar Basama\u011f\u0131n\u0131z Trafik Sigortas\u0131 Fiyat\u0131n\u0131z\u0131 Etkiler - Sigorta Bilgi Blo\u011fu<\/title>\n<meta name=\"description\" content=\"Hasar Basama\u011f\u0131 Nedir? Neden Kullan\u0131l\u0131r? Neden Hasar Basama\u011f\u0131 Var? Hasars\u0131zl\u0131k \u0130ndirimi Nedir? 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