{"id":1377,"date":"2024-03-04T11:56:36","date_gmt":"2024-03-04T11:56:36","guid":{"rendered":"https:\/\/www.ayyildizsigorta.com.tr\/bilgi\/?p=1377"},"modified":"2024-03-04T11:57:56","modified_gmt":"2024-03-04T11:57:56","slug":"deger-kaybi-odemesinin-alinmasi","status":"publish","type":"post","link":"https:\/\/www.ayyildizsigorta.com.tr\/bilgi\/deger-kaybi-odemesinin-alinmasi\/","title":{"rendered":"De\u011fer Kayb\u0131 \u00d6demesinin Al\u0131nmas\u0131"},"content":{"rendered":"\n

Bu yaz\u0131m\u0131zda bir kazaya kar\u0131\u015f\u0131ld\u0131\u011f\u0131nda ma\u011fdur taraf olarak di\u011fer kusurlu taraf\u0131n trafik sigortas\u0131ndan de\u011fer kayb\u0131 al\u0131nmas\u0131 ile ilgili detay\u0131 payla\u015faca\u011f\u0131z.<\/p>\n\n\n\n

Ma\u011fdur olan taraf, arac\u0131n\u0131n tamir masraflar\u0131n\u0131 kar\u015f\u0131 taraf\u0131n trafik sigortas\u0131ndan yapt\u0131rmaktad\u0131r. Bu genel olarak herkes taraf\u0131ndan bilinmektedir. Birde bu tamir masraflar\u0131 haricinde ma\u011fdur olan taraf\u0131n alabilece\u011fi farkl\u0131 bir \u00f6deme daha vard\u0131r. Bunun ad\u0131na de\u011fer kayb\u0131 \u00f6demesi denilmektedir.<\/p>\n\n\n\n

\u00d6rne\u011fin kazadan \u00f6nce 800.000\u20ba ye sat\u0131labilecek bir ara\u00e7 kazadan sonra 750.000\u20ba ye sat\u0131labiliyorsa burada kazaya ba\u011fl\u0131 olarak 50.000\u20ba ‘lik bir de\u011fer kayb\u0131 var diyebiliriz. Ma\u011fdur olan taraf arac\u0131na gelen zarardan \u00f6t\u00fcr\u00fc 50.000\u20ba ‘lik de\u011fer kayb\u0131n\u0131 almak i\u00e7in kar\u015f\u0131 taraf\u0131n sigorta \u015firketine dilek\u00e7e vererek bunu talep edebilir.<\/p>\n\n\n\n

Burada \u00f6nemli olan konu ise ba\u015fvurunun iste\u011fe ba\u011fl\u0131 olmas\u0131d\u0131r. Yani dilerseniz kazad\u0131r ayn\u0131s\u0131 benimde ba\u015f\u0131ma gelebilirdi diyerek \u00f6deme alma hakk\u0131n\u0131zdan vazge\u00e7ebilirsiniz. Ya da bu hakk\u0131n\u0131z\u0131 kullanmak isteyebilirsiniz.<\/p>\n\n\n\n

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

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

De\u011fer Kayb\u0131 \u00d6demesini Kim Yap\u0131yor?<\/strong>
De\u011fer kayb\u0131 \u00f6demesi: kazaya kar\u0131\u015fan kusurlu taraf\u0131n trafik sigortas\u0131nda ki toplam limitinden kar\u015f\u0131lanmaktad\u0131r. Yani kusurlu taraf\u0131n trafik sigorta \u015firketi \u00f6der. 2024 y\u0131l\u0131 i\u00e7in trafik sigortalar\u0131nda ki genel limit 200.000\u20ba ‘dir. Ayy\u0131ld\u0131z Ays Sigorta olarak burada payla\u015ft\u0131\u011f\u0131m\u0131z yaz\u0131larda \u00f6rnekler ile konuyu anla\u015f\u0131l\u0131r hale getirmeyi \u00f6nemsedi\u011fimiz i\u00e7in bu konuya da bir \u00f6rnek vermek isteriz. <\/p>\n\n\n\n

\u00d6rne\u011fin;<\/strong> Kazaya kar\u0131\u015fan iki taraf var. Birisi tam kusurlu di\u011feri kusursuz yani ma\u011fdur.
Ma\u011fdur olan taraf\u0131n arac\u0131n\u0131n zarar\u0131 190.000\u20ba oldu\u011funu varsayal\u0131m.
B\u00f6yle bir durumda kusurlu taraf\u0131n trafik sigortas\u0131 190.000\u20ba tamir masraflar\u0131n\u0131 \u00f6der.
Ma\u011fdur taraf arac\u0131n\u0131n de\u011ferinin d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc belirterek kar\u015f\u0131 taraf\u0131n sigorta \u015firketine dilek\u00e7e verir.
\u0130nceleme sonucunda piyasa ko\u015fullar\u0131na g\u00f6re de\u011fer kayb\u0131 30.000\u20ba oldu\u011fu anla\u015f\u0131ls\u0131n.
Zorunlu trafik sigortas\u0131nda 2024 y\u0131l\u0131 i\u00e7in maksimum \u00f6deme 200.000\u20ba oldu\u011fu i\u00e7in sigorta \u015firketi de\u011fer kayb\u0131n\u0131 \u00f6demek i\u00e7in \u00f6nce tamir masraflar\u0131n\u0131 sigortadan d\u00fc\u015fer ve 200.000-190.000 = 10.000\u20ba tutar\u0131 \u00f6der. Lakin geriye kalan 20.000\u20ba tutar\u0131 kusurlu arac\u0131n sahibi kendi cebinden \u00f6der.<\/p>\n\n\n\n

Farkl\u0131 bir \u00f6rnek<\/strong> olarak ma\u011fdur taraf\u0131n arac\u0131n\u0131n masraf\u0131 100.000\u20ba \u00e7\u0131km\u0131\u015f olsa ve de\u011fer kayb\u0131 da 10.000\u20ba olmu\u015f olsa bu durumda zorunlu trafik sigortalar\u0131n\u0131n 2024 y\u0131l\u0131 limiti 200.000\u20ba oldu\u011fundan 100.000+10.000=110.000\u20ba tutar trafik sigortas\u0131n\u0131n teminat limitini a\u015fmad\u0131\u011f\u0131 i\u00e7in kusurlu taraf\u0131n trafik sigortas\u0131 olan \u015firket \u00f6demeyi yapar. Ara\u00e7 sahibi kendi cebinden \u00f6demez. <\/p>\n\n\n\n

De\u011fer kayb\u0131 \u00f6demesi alabilece\u011fimi belirterek s\u00fcrekli birileri beni ar\u0131yor!<\/strong>
Kaza yapt\u0131ktan sonra e\u011fer siz ma\u011fdur olan taraftaysan\u0131z s\u00fcrekli telefonunuz \u00e7alabilir. Bu alanda \u00e7al\u0131\u015fan insanlar belirli bir komisyon ile sizin de\u011fer kayb\u0131 \u00f6demesi alman\u0131z i\u00e7in kendileri ile \u00e7al\u0131\u015fman\u0131z\u0131 isteyebilir. Genellikle Hukuk B\u00fcrolar\u0131ndaki Avukatlar bu y\u00f6nde sizlerle i\u015f birli\u011fi yapmak isteyebilir. Onlarla i\u015fbirli\u011fi yap\u0131p yapmamak sizlerin se\u00e7iminize ba\u011fl\u0131d\u0131r. Kanuni bir zorunluluk yoktur.<\/p>\n\n\n\n

De\u011fer Kayb\u0131 \u00d6demesi Almak \u0130\u00e7in Avukata \u0130htiya\u00e7 Var m\u0131d\u0131r?<\/strong>
Ara\u00e7 tamir olduktan sonra ma\u011fdur taraf bir dilek\u00e7e ile kar\u015f\u0131 taraf\u0131n trafik sigorta \u015firketine ba\u015fvurarak de\u011fer kayb\u0131n\u0131 talep edebilir. Yani avukata ihtiya\u00e7 bulunmamaktad\u0131r. Ancak burada \u00f6nemli bir detay vard\u0131r. E\u011fer kar\u015f\u0131 taraf\u0131n sigorta \u015firketinin belirleyece\u011fi ve \u00f6deyece\u011fi de\u011fer kayb\u0131 benim i\u00e7in yeterli derseniz bu y\u00f6ntemi kullanman\u0131z h\u0131zl\u0131 sonu\u00e7 alman\u0131z\u0131 sa\u011flayacakt\u0131r. Ama \u00f6rne\u011fin piyasa ko\u015fullar\u0131 ve rayi\u00e7 bedeller g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda 40.000\u20ba ‘lik bir de\u011fer kayb\u0131 oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorsunuz ama sigorta \u015firketi size 15.000\u20ba \u00f6deme yapt\u0131 veya yapmak istedi ise bu durumda anla\u015fmazl\u0131k olaca\u011f\u0131 i\u00e7in Sigorta Tahkim Komisyonuna ba\u015fvurman\u0131z ve hakk\u0131n\u0131z\u0131 almak i\u00e7in s\u00fcreci takip etmeniz gerekmektedir. Bu a\u015famada avukat ile yine i\u015f birli\u011fi yapman\u0131z gerekebilir. <\/p>\n\n\n\n

Ya da en ba\u015ftan dilek\u00e7e vermeyerek bizleri arayabilir ve bizlerin y\u00f6nlendirece\u011fi avukatlar ile i\u015fbirli\u011fi yaparak de\u011fer kayb\u0131 s\u00fcrecinin profesyonel bir ekip taraf\u0131ndan y\u00f6netilmesini sa\u011flayabilirsiniz. B\u00f6ylece m\u00fcmk\u00fcn oldu\u011funca s\u00fcrecin do\u011fru y\u00f6netilmesi ve hakk\u0131n\u0131z\u0131 tam alma noktas\u0131nda ad\u0131m atm\u0131\u015f olursunuz. <\/p>\n\n\n\n

De\u011fer kayb\u0131 \u00f6demeleri sadece zorunlu trafik sigortalar\u0131ndaki haklardan \u00f6denebilir.<\/strong> Ek olarak yap\u0131lan \u0130MM Sigortas\u0131 ya da kasko taraf\u0131ndan de\u011fer kayb\u0131 \u00f6demesi yap\u0131lmaz. Bu sebeple tekrar hat\u0131rlatmak isteriz ki; e\u011fer kar\u015f\u0131 taraf\u0131n trafik sigorta limiti olan 200.000\u20ba (2024 y\u0131l\u0131 de\u011feri) s\u0131n\u0131r\u0131 a\u015f\u0131lm\u0131yorsa sigorta \u015firketi kar\u015f\u0131lar ama bu limit a\u015f\u0131l\u0131yorsa kar\u015f\u0131 taraftaki ara\u00e7 sahibi kendi cebinden \u00f6demek durumunda kalacakt\u0131r. <\/p>\n\n\n\n

Hayat\u0131m\u0131z boyunca hepimiz kaza ile kar\u015f\u0131la\u015fabilir ve kusurlu taraf olabiliriz. Bu sebeple kar\u015f\u0131l\u0131kl\u0131 iyi niyeti koruyarak bu hakk\u0131m\u0131zdan vazge\u00e7memizde b\u00fcy\u00fck bir erdem olacakt\u0131r. Sizleri arayarak kusurlu olan kar\u015f\u0131 taraf\u0131 yoracak s\u00fcre\u00e7lere sokmak isteyen ki\u015filerle g\u00f6r\u00fc\u015f\u00fcrken kusurlu taraf\u0131n maddi imkanlar\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak bu s\u00fcrece girmeniz toplumumuz i\u00e7in do\u011fru bir iyi niyet g\u00f6stergesi olacakt\u0131r. \u00c7\u00fcnk\u00fc kimse isteyerek kaza yapmaz.<\/p>\n\n\n\n

Ayy\u0131ld\u0131z Ays Sigorta Ekibi Sivas
0538 058 6767 Hatt\u0131m\u0131zdan bizlerle ileti\u015fim kurabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bu yaz\u0131m\u0131zda bir kazaya kar\u0131\u015f\u0131ld\u0131\u011f\u0131nda ma\u011fdur taraf olarak di\u011fer kusurlu taraf\u0131n trafik sigortas\u0131ndan de\u011fer kayb\u0131 al\u0131nmas\u0131 ile ilgili detay\u0131 payla\u015faca\u011f\u0131z. Ma\u011fdur olan taraf, arac\u0131n\u0131n tamir masraflar\u0131n\u0131 kar\u015f\u0131 taraf\u0131n trafik sigortas\u0131ndan yapt\u0131rmaktad\u0131r. Bu genel olarak herkes taraf\u0131ndan bilinmektedir. Birde bu tamir masraflar\u0131 haricinde ma\u011fdur olan taraf\u0131n alabilece\u011fi farkl\u0131 bir \u00f6deme daha vard\u0131r. Bunun ad\u0131na de\u011fer kayb\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":1424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"yoast_head":"\nDe\u011fer Kayb\u0131 \u00d6demesinin Al\u0131nmas\u0131 - Sigorta Bilgi Blo\u011fu<\/title>\n<meta name=\"description\" content=\"Ara\u00e7 De\u011fer Kayb\u0131 \u00d6demesinin Al\u0131nmas\u0131n\u0131 \u00d6rnekleri \u0130le A\u00e7\u0131kl\u0131yoruz. Mant\u0131\u011f\u0131 nedir? Avukata \u0130htiya\u00e7 Var m\u0131? Kim \u00f6der? 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