{"id":161,"date":"2024-05-18T08:47:03","date_gmt":"2024-05-18T05:47:03","guid":{"rendered":"https:\/\/aktassigorta.net\/?page_id=161"},"modified":"2024-05-18T08:47:03","modified_gmt":"2024-05-18T05:47:03","slug":"trafik-sigortasi","status":"publish","type":"page","link":"https:\/\/aktassigorta.net\/en\/trafik-sigortasi\/","title":{"rendered":"Traffic Insurance"},"content":{"rendered":"\n<p><b>Karayollar\u0131 motorlu ara\u00e7lar zorunlu mali sorumluluk sigortas\u0131<\/b>&nbsp;ya da k\u0131saca&nbsp;<b>trafik sigortas\u0131<\/b>,&nbsp;<a title=\"Otomobil\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Otomobil\">otomobil<\/a>,&nbsp;<a title=\"Kamyon\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Kamyon\">kamyon<\/a>,&nbsp;<a title=\"Motosiklet\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Motosiklet\">motosiklet<\/a>&nbsp;ve di\u011fer&nbsp;<a title=\"Motorlu ta\u015f\u0131t\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Motorlu_ta%C5%9F%C4%B1t\">kara yolu ta\u015f\u0131tlar\u0131<\/a>&nbsp;i\u00e7in&nbsp;<a title=\"Sigorta\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Sigorta\">sigortad\u0131r<\/a>. Trafik sigortas\u0131n\u0131n amac\u0131 herhangi bir&nbsp;<a title=\"Trafik kazas\u0131\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Trafik_kazas%C4%B1\">kaza<\/a>&nbsp;durumunda \"kar\u015f\u0131 taraf\u0131n\" mal\u0131na veya can\u0131na verilen hasar\u0131 -kabahat oran\u0131na ba\u011fl\u0131 olarak- k\u0131smen veya tamamen kar\u015f\u0131lar. Ara\u00e7 sigortas\u0131n\u0131n \u00f6zel \u015fartlar\u0131 her b\u00f6lgede yasal d\u00fczenlemeler ile de\u011fi\u015febilmektedir.<\/p>\n\n\n\n<p>Trafik Sigortas\u0131,&nbsp;<a title=\"T\u00fcrkiye\" href=\"https:\/\/tr.wikipedia.org\/wiki\/T%C3%BCrkiye\">T\u00fcrkiye<\/a>'deki en yayg\u0131n sigorta t\u00fcrlerinden biridir. 2918 Say\u0131l\u0131 Karayollar\u0131 Kanunu gere\u011fince kara yoluna \u00e7\u0131kan t\u00fcm motorlu ara\u00e7lar taraf\u0131ndan yapt\u0131r\u0131lmas\u0131&nbsp;<a class=\"new\" title=\"Zorunlu sigortalar (sayfa mevcut de\u011fil)\" href=\"https:\/\/tr.wikipedia.org\/w\/index.php?title=Zorunlu_sigortalar&amp;action=edit&amp;redlink=1\">zorunludur<\/a>.<sup id=\"cite_ref-1\" class=\"reference\"><a href=\"https:\/\/tr.wikipedia.org\/wiki\/Trafik_sigortas%C4%B1#cite_note-1\">[1]<\/a><\/sup>&nbsp;<a title=\"Polis\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Polis\">Polis<\/a>&nbsp;kontrollerinde ara\u00e7larda bulunmas\u0131 beklenen belgelerden biri, trafik sigortas\u0131 poli\u00e7esidir.<\/p>\n\n\n\n<p>Trafik Sigortas\u0131 bir&nbsp;sorumluluk sigortas\u0131d\u0131r&nbsp;ve kara yolunda seyreden ara\u00e7lar\u0131n \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara verece\u011fi maddi ve bedeni zararlar\u0131 kar\u015f\u0131lar. Arac\u0131 i\u015fleten ki\u015finin kendi arac\u0131na veya kendi kendisine verece\u011fi zararlar\u0131 kar\u015f\u0131lamaz,&nbsp;Kasko&nbsp;sigortas\u0131n\u0131n yerine ge\u00e7mez. Trafik sigortas\u0131, manevi tazminat taleplerini de kar\u015f\u0131lamaz.<\/p>\n\n\n\n<p>Trafik Sigortas\u0131nda sigortal\u0131 ki\u015fi, Karayollar\u0131 Trafik Kanunundaki tan\u0131m uyar\u0131nca&nbsp;<i>i\u015fleten<\/i>dir. T\u00fcrk hukukunda&nbsp;<i>arac\u0131n i\u015fleteni<\/i>&nbsp;ara\u00e7 sahibi olabilece\u011fi gibi uzun s\u00fcreli kiralama yapan ki\u015fi gibi ara\u00e7 \u00fczerinde \u00f6nemli menfaati olan ba\u015fka bir ki\u015fi de olabilir. \u0130\u015fleten ki\u015fi olan sigortal\u0131n\u0131n ad\u0131 poli\u00e7e \u00fczerinde belirtilir.<\/p>\n\n\n\n<p>Trafik sigortas\u0131, zorunlu tarifeye ba\u011fl\u0131d\u0131r. Teminat s\u0131n\u0131r\u0131 ve tavsiye niteli\u011findeki tarife primi Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu(<a title=\"Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Sigortac%C4%B1l%C4%B1k_ve_%C3%96zel_Emeklilik_D%C3%BCzenleme_ve_Denetleme_Kurumu\">SEDDK<\/a>) taraf\u0131ndan belirlenir ve yay\u0131mlan\u0131r. 2009 y\u0131l\u0131ndan itibaren teminatlar de\u011fil ama, \u00f6denecek primler konusunda sigorta \u015firketleri serbest b\u0131rak\u0131lm\u0131\u015ft\u0131r. Prim, arac\u0131n t\u00fcr\u00fc (otomobil, motosiklet, otob\u00fcs, vs.), ticari olup olmamas\u0131, kay\u0131tl\u0131 oldu\u011fu il gibi baz\u0131 etkenlere ba\u011fl\u0131 olarak de\u011fi\u015fir. Normalde bir y\u0131l s\u00fcreyle d\u00fczenlenir,&nbsp;<a title=\"Prim\" href=\"https:\/\/tr.wikipedia.org\/wiki\/Prim\">primi<\/a>&nbsp;pe\u015fin \u00f6denir. Trafik sigortas\u0131 poli\u00e7esi, ayn\u0131 zamanda makbuz yerine ge\u00e7er. Trafik poli\u00e7esi ile birlikte verilmesi gereken trafik pullar\u0131 ise, elektronik merkezi ortamda anl\u0131k takibin yap\u0131labiliyor olmas\u0131 nedeniyle nisan 2011 tarihinden itibaren kalkm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p>Sigortalanan d\u00f6nemde meydana gelen hasarlar, bir sonraki y\u0131l \u00f6denecek primi etkileyecektir. Hasar meydana gelmemesi durumunda, bir sonraki d\u00f6nem sigortas\u0131na&nbsp;<i>hasars\u0131zl\u0131k indirimi<\/i>&nbsp;uygulan\u0131r. Bu indirim y\u0131ldan y\u0131la artar. En y\u00fcksek indirim oran\u0131 %20'dir. Buna kar\u015f\u0131l\u0131k, hasar meydana gelmesi halinde,&nbsp;<i>hasarl\u0131l\u0131k s\u00fcrprimi<\/i> uygulan\u0131r. %500'e kadar \u00e7\u0131kabilir. Sigorta \u015firketleri, Trafik poli\u00e7esi d\u00fczenlerken SBM veritaban\u0131n\u0131 kontrol ettiklerinden, \u00f6nceki poli\u00e7enin farkl\u0131 bir sigorta \u015firketinden d\u00fczenlenmi\u015f olmas\u0131 halinde dahi hasars\u0131zl\u0131k bilgileri ayn\u0131 kalmaktad\u0131r. Hasars\u0131zl\u0131k indirimi, sigortal\u0131 arac\u0131 de\u011fil, arac\u0131 i\u015fleten ki\u015fiyi takip eder. Ancak bu hak, ancak sat\u0131lm\u0131\u015f olan ara\u00e7 yerine ayn\u0131 cins bir arac\u0131n iki ay i\u00e7inde sat\u0131n al\u0131nmas\u0131 ko\u015fuluyla verilir.<\/p>\n\n\n\n<pre class=\"wp-block-code\"><code><\/code><\/pre>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f166-o1\" lang=\"tr-TR\" dir=\"ltr\" data-wpcf7-id=\"166\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/161#wpcf7-f166-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"\u0130leti\u015fim Formu\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"166\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"tr_TR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f166-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Ad\u0131n\u0131z Soyad\u0131n\u0131z<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> E-posta adresiniz<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Telefon numaran\u0131z<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span> <\/label>\n<\/p>\n<p><label> Teklif almak istedi\u011finiz konu(lar)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"teklif-konulari\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" multiple=\"multiple\" name=\"teklif-konulari[]\"><option value=\"Trafik Sigortas\u0131\">Trafik Sigortas\u0131<\/option><option value=\"Kasko\">Kasko<\/option><option value=\"Dask\">Dask<\/option><option value=\"Bireysel Emeklilik\">Bireysel Emeklilik<\/option><option value=\"Sa\u011fl\u0131k Sigortas\u0131\">Sa\u011fl\u0131k Sigortas\u0131<\/option><option value=\"Ferdi Kaza Sigortas\u0131\">Ferdi Kaza Sigortas\u0131<\/option><option value=\"Yang\u0131n Sigortas\u0131\">Yang\u0131n Sigortas\u0131<\/option><option value=\"Nakliyat Sigortas\u0131\">Nakliyat Sigortas\u0131<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Mesaj\u0131n\u0131z (tercihe ba\u011fl\u0131)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"G\u00f6nder\" \/>\n<\/p>\n<p>Bu form spami engellemek i\u00e7in Akismet kullan\u0131yor. <a target=\"_blank\" rel=\"nofollow noopener\" href=\"https:\/\/akismet.com\/privacy\/\">Verilerinizin nas\u0131l i\u015flendi\u011fini \u00f6\u011frenin.<\/a>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"250\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Karayollar\u0131 motorlu ara\u00e7lar zorunlu mali sorumluluk sigortas\u0131&nbsp;ya da k\u0131saca&nbsp;trafik sigortas\u0131,&nbsp;otomobil,&nbsp;kamyon,&nbsp;motosiklet&nbsp;ve di\u011fer&nbsp;kara yolu ta\u015f\u0131tlar\u0131&nbsp;i\u00e7in&nbsp;sigortad\u0131r. Trafik sigortas\u0131n\u0131n amac\u0131 herhangi bir&nbsp;kaza&nbsp;durumunda \"kar\u015f\u0131 taraf\u0131n\" mal\u0131na veya can\u0131na verilen hasar\u0131 -kabahat oran\u0131na ba\u011fl\u0131 olarak- k\u0131smen veya tamamen kar\u015f\u0131lar. Ara\u00e7 sigortas\u0131n\u0131n \u00f6zel \u015fartlar\u0131 her b\u00f6lgede yasal d\u00fczenlemeler ile de\u011fi\u015febilmektedir. Trafik Sigortas\u0131,&nbsp;T\u00fcrkiye'deki en yayg\u0131n sigorta t\u00fcrlerinden biridir. 2918 Say\u0131l\u0131 Karayollar\u0131 Kanunu gere\u011fince [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":13,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-161","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages\/161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/comments?post=161"}],"version-history":[{"count":0,"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/pages\/161\/revisions"}],"wp:attachment":[{"href":"https:\/\/aktassigorta.net\/en\/wp-json\/wp\/v2\/media?parent=161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}