{"id":4506,"date":"2022-11-30T14:53:10","date_gmt":"2022-11-30T11:53:10","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4506"},"modified":"2022-11-30T14:56:52","modified_gmt":"2022-11-30T11:56:52","slug":"arac-deger-kaybi-nasil-alinmaktadir","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/arac-deger-kaybi-nasil-alinmaktadir\/","title":{"rendered":"Ara\u00e7 De\u011fer Kayb\u0131 Nas\u0131l Al\u0131nmaktad\u0131r?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4506\" class=\"elementor elementor-4506\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e5b4f6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e5b4f6c\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10e8f231\" data-id=\"10e8f231\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-5c828520 elementor-widget elementor-widget-text-editor\" data-id=\"5c828520\" 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 - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;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<p>Kaza ge\u00e7mi\u015fi olan bir arac\u0131n ikinci el piyasas\u0131nda de\u011fer kaybetmesi sonucu olarak tan\u0131mlanan ara\u00e7 de\u011fer kayb\u0131 bu noktada kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. Kaza sonras\u0131 ara\u00e7, muayene ve bak\u0131m gibi i\u015flemlerden ge\u00e7se de araban\u0131n sat\u0131\u015f fiyat\u0131nda bir d\u00fc\u015f\u00fc\u015f g\u00f6r\u00fcl\u00fcr. Kaza \u00f6ncesinde belirlenen arac\u0131n sat\u0131\u015f fiyat\u0131, hasar alan bir arac\u0131n de\u011ferini olumsuz etkilerken kazan\u00e7 kayb\u0131na neden olur. Belirli bir oranda hasarl\u0131 olan ara\u00e7lar\u0131n kusurlu olarak ikinci el piyasas\u0131nda sat\u0131\u015fa \u00e7\u0131kar\u0131lmas\u0131, al\u0131c\u0131lar\u0131n bilgi sahibi olmas\u0131 a\u00e7\u0131s\u0131ndan olduk\u00e7a \u00f6nem ta\u015f\u0131r. Kaza sonras\u0131nda di\u011fer ara\u00e7 sahibi ile kar\u015f\u0131los angeles\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda daha kusurlu olan ki\u015fi, ara\u00e7ta meydana gelmi\u015f de\u011fer kayb\u0131n\u0131n sorumlulu\u011funu \u00fcstlenir ve de\u011fer kayb\u0131nda ortaya \u00e7\u0131kan tutar, kusurlu bulunan s\u00fcr\u00fcc\u00fc taraf\u0131ndan \u00f6denir. Tamir an\u0131nda araca orijinal par\u00e7alar yerle\u015ftirilse de, ara\u00e7 kay\u0131tlara kusurlu olarak ge\u00e7er. Kaza an\u0131nda kusur siz de olmas\u0131 bile arac\u0131n de\u011fer kayb\u0131 ya\u015famas\u0131 m\u00fcmk\u00fcnd\u00fcr. Bu gibi durumlarda ya\u015fam\u0131\u015f oldu\u011funuz kayb\u0131n kar\u015f\u0131lanmas\u0131na y\u00f6nelik yasal yollara ba\u015fvurabilir, kusurlu olan tarafta yer alan de\u011fer kayb\u0131na kar\u015f\u0131l\u0131k olarak mahkeme arac\u0131l\u0131\u011f\u0131 ile hakk\u0131n\u0131z\u0131 arayabilirsiniz. Peki ara\u00e7 de\u011fer kayb\u0131 nas\u0131l al\u0131n\u0131r? Hadi gelin bu konuyu hep birlikte daha yak\u0131ndan inceleyelim.<\/p>\n<h2>Ara\u00e7 De\u011fer Kayb\u0131 Nas\u0131l Hesaplan\u0131r?<\/h2>\n<p>Ara\u00e7 de\u011fer kayb\u0131 hesaplama noktas\u0131, baz\u0131 de\u011fi\u015fkenler ile kar\u015f\u0131m\u0131za \u00e7\u0131kar. Arac\u0131n hasar ge\u00e7mi\u015fi, \u00fcretim y\u0131l\u0131, markas\u0131, modeli, kilometresi, piyasa de\u011feri ve trafi\u011fe \u00e7\u0131okay\u0131\u015f\u0131 gibi de\u011fi\u015fkenler hesaplama yap\u0131l\u0131rken kullan\u0131l\u0131r. Ara\u00e7 de\u011fer kayb\u0131 hesaplama shape\u00fcl\u00fc ise, hasar miktar\u0131na ve kilometre katsay\u0131s\u0131na g\u00f6re belirlenmektedir. 75.000 km ve 149.000 km aras\u0131nda yol alm\u0131\u015f t\u00fcm ara\u00e7lar\u0131n katsay\u0131 \u00e7arpan\u0131 yap\u0131lan yeni de\u011fi\u015fiklikler ile ayn\u0131 al\u0131n\u0131r. Ara\u00e7ta yer alan toplam de\u011fer kayb\u0131; hasar\u0131n boyutunun, baz de\u011fer kayb\u0131n\u0131n ve arac\u0131n y\u0131pranma d\u00fczeyinin \u00e7arp\u0131lmas\u0131 ile elde edilir.<\/p>\n<h2>Ara\u00e7 De\u011fer Kayb\u0131n\u0131 Kapsayan Sigorta Poli\u00e7eleri Nelerdir?<\/h2>\n<p>Kusurlu ya da kusursuz olan s\u00fcr\u00fcc\u00fcler i\u00e7in ara\u00e7ta bulunan de\u011fer kayb\u0131n\u0131n kar\u015f\u0131lanmas\u0131 \u00e7adequate \u00f6nemli bir noktad\u0131r. Ara\u00e7ta ne kadar b\u00fcy\u00fcokay bir oranda hasar var ise sat\u0131\u015f de\u011feri de o kadar d\u00fc\u015f\u00fc\u015f ya\u015far. Ara\u00e7lar\u0131n trafi\u011fe \u00e7\u0131kmas\u0131 i\u00e7in yapt\u0131rmas\u0131 gereken zorunlu trafik sigortas\u0131 ve kasko, de\u011fer kayb\u0131n\u0131n kar\u015f\u0131lanmas\u0131nda \u00f6nemli bir rol oynar. Zorunlu trafik sigortas\u0131, t\u00fcm ara\u00e7 s\u00fcr\u00fcc\u00fclerini koruma alt\u0131na alarak, maddi ya da manevi kayb\u0131n kar\u015f\u0131lanmas\u0131n\u0131 \u00fcstlenir. Ancak birden fazla ara\u00e7 kazada yer al\u0131yor ise zorunlu trafik sigortas\u0131, yaln\u0131zca kusursuz ya da az kusurlu s\u00fcr\u00fcc\u00fcye \u00f6deme yapar. Trafik sigortas\u0131 yaln\u0131zca ara\u00e7taki d\u0131\u015f etkenli hasarlar\u0131 kar\u015f\u0131larken, kasko sigortas\u0131 ara\u00e7ta meydana gelmi\u015f t\u00fcm hasar ve zarar\u0131 kar\u015f\u0131lar. Baz\u0131 sigorta \u015firketleri, ara\u00e7 de\u011fer kayb\u0131n\u0131 teminat alt\u0131na alan kasko paketleri belirler. Arac\u0131n\u0131z\u0131 sigortalat\u0131rken poli\u00e7e kapsam\u0131n\u0131 ayr\u0131nt\u0131l\u0131 bir \u015fekilde inceleyerek, g\u00fcvenli\u011finize en uygun se\u00e7imi yapmak size olduk\u00e7a avantaj sa\u011flar.<\/p>\n<p>Sigortal\u0131 arac\u0131n\u0131z ile kaza yapt\u0131\u011f\u0131n\u0131z an sigorta \u015firketini arayarak, eksper raporu ve hasar tespit tutana\u011f\u0131 tutularak arac\u0131n\u0131zdaki de\u011fer kayb\u0131na y\u00f6nelik kusurlu ve kusursuz taraflar\u0131n belirlenmesini sa\u011flayabilirsiniz. Arac\u0131 de\u011fer kayb\u0131 ya\u015fam\u0131\u015f olan ya da kazada hasar alan arac\u0131n i\u015flemleri sigorta taraf\u0131ndan kar\u015f\u0131lan\u0131r ve ilk olarak eksper hizmeti ile arac\u0131n kazada alm\u0131\u015f oldu\u011fu hasar belirlenir. Ara\u00e7 hakk\u0131nda detayl\u0131 bilgi ald\u0131ktan sonra arac\u0131n hasar durumu ve onar\u0131m masraflar\u0131 \u00e7\u0131kar\u0131l\u0131r. Arac\u0131n kaza yapt\u0131\u011f\u0131 g\u00fcndeki piyasa de\u011feri baz al\u0131narak gereken i\u015flemler ger\u00e7ekle\u015ftirilirken, bu noktada sizlere de sigorta poli\u00e7enizi can ve mal g\u00fcvenli\u011finizi teminat alt\u0131na alan kapsamlarda de\u011ferlendirme \u015fans\u0131 ortaya \u00e7\u0131kar.<\/p>\n<h2>Ara\u00e7 De\u011fer Kayb\u0131 Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/h2>\n<p>Ara\u00e7 de\u011fer kayb\u0131 ba\u015fvurusu yapabilmek i\u00e7in belirlenmi\u015f olan baz\u0131 \u015fartlar\u0131n yerine getirilmesi gerekir. \u00d6ncelikle kazada ma\u011fduriyet ya\u015fam\u0131\u015f olan taraf siz olmal\u0131s\u0131n\u0131z. Kazaya neden olan s\u00fcr\u00fcc\u00fclerin ara\u00e7 de\u011fer kayb\u0131 i\u00e7in hak talebinde bulunma se\u00e7enekleri yoktur. Ancak kasko sigortan\u0131z\u0131n anla\u015fmas\u0131nda bu konu yer al\u0131yor ise \u015firketten hak talebinde bulunabilirsiniz. Kaza yap\u0131ld\u0131ktan 2 y\u0131l sonra ara\u00e7 de\u011fer kayb\u0131 i\u00e7in yap\u0131lm\u0131\u015f olan ba\u015fvurunun tamamlanm\u0131\u015f olmas\u0131 gerekir. Ba\u015fvuru yapmad\u0131\u011f\u0131n\u0131z takdirde bu hakk\u0131n\u0131z\u0131 kaybedebilirsiniz. Hak talep etmek istedi\u011finiz ara\u00e7 sahibinin e\u011fer zorunlu trafik sigortas\u0131 bulunmuyor ise y\u00f6netmenli\u011fe uymad\u0131\u011f\u0131 i\u00e7in arac\u0131n\u0131zdaki de\u011fer kayb\u0131n\u0131n kar\u015f\u0131lanmas\u0131 konusunda talep edebilirsiniz. Zorunlu trafik sigortas\u0131 bulunmayan s\u00fcr\u00fcc\u00fc haks\u0131z bulundu\u011fu zaman kendisine dava a\u00e7abilir, arac\u0131n\u0131za y\u00f6nelik de\u011fer kayb\u0131 ba\u015fvurusunda bulunmak i\u00e7in ekspertiz ve hasar tespit tutana\u011f\u0131 ile sigorta \u015firketinizle i\u015flemleri tamamlayabilirsiniz.<\/p>\n<p>Sigorta \u015firketi ile bir sorun ya\u015fad\u0131\u011f\u0131n\u0131z takdirde Sigorta Tahkim Komisyonu\u2019ndan destek talebinde bulunabilirsiniz. Ara\u00e7 de\u011fer kayb\u0131 i\u00e7in ba\u015fvuru yapmak istedi\u011finizde servis raporu, hasar tespit tutana\u011f\u0131, servis raporu, sigorta poli\u00e7esi, ekspertizden al\u0131nan belge, kaza sonras\u0131nda \u00e7ekilen foto\u011fraflar ve tan\u0131ok olarak g\u00f6sterilecek ki\u015filerin listesini ba\u011fl\u0131 oldu\u011funuz \u015firkete iletmeniz gerekir. E\u011fer arac\u0131n\u0131zda bulunan hasar sizden kaynakl\u0131 de\u011fil ise ya da sigorta \u015firketiniz de\u011feri kar\u015f\u0131layaca\u011f\u0131na dair poli\u00e7e haz\u0131rlam\u0131\u015f ise ba\u015fvuru i\u015flemlerini tamamlayabilirsiniz. 2 y\u0131ll\u0131k bir s\u00fcre zarf\u0131nda kazada su\u00e7lu g\u00f6r\u00fcnen taraf ka\u00e7m\u0131\u015f ise bu s\u00fcre\u00e7 esnetilebilir. Kazaya neden olan ki\u015finin belirlenmesi ile ba\u015fvuru i\u015flemlerini belirtilen s\u00fcre i\u00e7erisinde tamamlama hakk\u0131n\u0131z bulunmaktad\u0131r. Sigorta \u015firketinizin belirledi\u011fi poli\u00e7e ve kapsamlar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak ara\u00e7 de\u011fer kayb\u0131 hesaplamas\u0131 i\u00e7in taraf\u0131n\u0131za \u00f6denecek olan tutar\u0131 kolayl\u0131kla \u00f6\u011frenebilirsiniz. Sizler de olas\u0131 kazalarda ya\u015fanabilecek maddi ve manevi zararlara kar\u015f\u0131 ma\u011fduriyet ya\u015famak istemiyor iseniz hem \u00f6zel kasko hem de zorunlu trafik sigortas\u0131 yapt\u0131rman\u0131z olduk\u00e7a b\u00fcy\u00fcokay \u00f6nem ta\u015f\u0131r.<\/p>\n<h2>Ara\u00e7 De\u011fer Kayb\u0131n\u0131 Sigorta Kar\u015f\u0131lar M\u0131?<\/h2>\n<p>Kazada bulunan her ara\u00e7, sigortan\u0131n sundu\u011fu de\u011fer kayb\u0131ndan faydalanmayabilir. Bu gibi durumlar ile kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131n\u0131z zaman arac\u0131n\u0131z\u0131 sigortalatmadan \u00f6nce kasko poli\u00e7enizi detayl\u0131 bir \u015fekilde incelemeniz gerekir. Baz\u0131 poli\u00e7elerde de\u011fer kayb\u0131n\u0131 sigorta kar\u015f\u0131larken, baz\u0131lar\u0131 kar\u015f\u0131lamayabilir. Bu durumu g\u00f6z \u00f6n\u00fcne alarak hakl\u0131 ve haks\u0131z oldu\u011funuzu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz durumlarda sigortan\u0131zdan arac\u0131n\u0131zdaki hasar kayb\u0131 i\u00e7in hak talebinde bulunabilirsiniz. E\u011fer bu ko\u015fullar\u0131 kar\u015f\u0131l\u0131yor iseniz, sigorta \u015firketinize arac\u0131n\u0131zdaki hasar tespiti tazminat\u0131 i\u00e7in de ba\u015fvuru yapabilirsiniz. On line bir \u015fekilde ara\u00e7 de\u011fer kayb\u0131 hesaplamas\u0131 yapabilmek i\u00e7in ba\u011fl\u0131 oldu\u011funuz sigorta \u015firketinden destek talebi isteyebilir, poli\u00e7elerin kapsamlar\u0131n\u0131 ayr\u0131nt\u0131l\u0131 bir \u015fekilde kar\u015f\u0131la\u015ft\u0131rabilirsiniz. De\u011fer kayb\u0131 ya\u015fam\u0131\u015f araca y\u00f6nelik tazminat talebinde bulunabilmeniz i\u00e7in kusursuz g\u00f6r\u00fclmeniz \u015fart\u0131 aran\u0131r. Hak talebinde bulunmak isteyen ara\u00e7 sahibi e\u011fer su\u00e7lu ise poli\u00e7e kapsam\u0131nda tazminat\u0131 de\u011ferlendirilir. \u00dc\u00e7\u00fcnc\u00fc ki\u015filer taraf\u0131ndan meydana gelmi\u015f olan kazalarda, de\u011fer kayb\u0131 talebinde bulunulabilir, park halinde bulunan arac\u0131n\u0131z hasar ald\u0131ysa ba\u015fvuru i\u015flemlerine ba\u015flayabilirsiniz. Son zamanlarda en \u00e7adequate sorulan sorulardan biri olan ara\u00e7 de\u011fer kayb\u0131 hesab\u0131 nas\u0131l yap\u0131l\u0131r sorusuna cevap arayan s\u00fcr\u00fcc\u00fcler, gerekli belgeler ile sigorta \u015firketine ba\u015fvuru yaparak kesin bir tutar \u00f6\u011frenebilirler. Sizler de arac\u0131n\u0131z\u0131 sigortalatmadan \u00f6nce \u015firketlerin poli\u00e7e kapsamlar\u0131n\u0131 dikkatli bir \u015fekilde inceleyebilirsiniz.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                            <\/div>\n        <\/section>\n        \t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kaza ge\u00e7mi\u015fi olan bir arac\u0131n ikinci el piyasas\u0131nda de\u011fer kaybetmesi sonucu olarak tan\u0131mlanan ara\u00e7 de\u011fer kayb\u0131 bu noktada kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. Kaza sonras\u0131 ara\u00e7, muayene ve bak\u0131m gibi i\u015flemlerden ge\u00e7se de araban\u0131n sat\u0131\u015f fiyat\u0131nda bir d\u00fc\u015f\u00fc\u015f g\u00f6r\u00fcl\u00fcr. Kaza \u00f6ncesinde belirlenen arac\u0131n sat\u0131\u015f fiyat\u0131, hasar alan bir arac\u0131n de\u011ferini olumsuz etkilerken kazan\u00e7 kayb\u0131na neden olur. Belirli bir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4304,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,24],"tags":[],"class_list":["post-4506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-tasit"],"_links":{"self":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4506","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/comments?post=4506"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4506\/revisions"}],"predecessor-version":[{"id":4511,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4506\/revisions\/4511"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4304"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4506"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4506"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4506"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}