{"id":4658,"date":"2022-11-30T16:51:37","date_gmt":"2022-11-30T13:51:37","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4658"},"modified":"2022-11-30T16:54:50","modified_gmt":"2022-11-30T13:54:50","slug":"kasko-sigortasi-hakkinda-bilinmeyenler","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/kasko-sigortasi-hakkinda-bilinmeyenler\/","title":{"rendered":"Kasko Sigortas\u0131 Hakk\u0131nda Bilinmeyenler"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4658\" class=\"elementor elementor-4658\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-15793180 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15793180\" 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-5fb54c0b\" data-id=\"5fb54c0b\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-63d42428 elementor-widget elementor-widget-text-editor\" data-id=\"63d42428\" 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>O \u00e7adequate sevdi\u011finiz arac\u0131n\u0131z\u0131n ba\u015f\u0131na gelebilecek tehlikelere kar\u015f\u0131 herhangi bir \u00f6nleminiz var m\u0131? S\u0131ok s\u0131okay trafi\u011fe \u00e7\u0131kt\u0131\u011f\u0131n\u0131z arac\u0131n\u0131z\u0131n ba\u015f\u0131na siz korusan\u0131z da ba\u015fka tehlikeler gelebilir. En basit \u00f6rne\u011fiyle evinizin \u00f6n\u00fcne park edilmi\u015f arac\u0131n\u0131za farkl\u0131 bir s\u00fcr\u00fcc\u00fcn\u00fcn \u00e7arpmas\u0131 gibi.<\/p>\n<p>En basit \u00f6rnek ile a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z bu tehlikeler birden fazad\u0131r. Sel, deprem ve yang\u0131n gibi olaylar da arac\u0131n\u0131za zarar verir. Olas\u0131 t\u00fcm bu riskleri koruman\u0131z i\u00e7in kasko sigortas\u0131 \u00f6nlem alman\u0131za yard\u0131mc\u0131 olur. Peki kasko sigortas\u0131 hakk\u0131nda bilinmeyenler nelerdir? Son zamanlarda \u00e7adequate merak edilen bu konuyu sizler i\u00e7in derledik. Hadi gelin hep birlikte bu i\u00e7eri\u011fi inceleyelim.<\/p>\n<p><h2>Kasko Sigortas\u0131 Nedir?<\/h2>Kasko sigortas\u0131, arac\u0131n\u0131z\u0131 kaza ve hasar durumlar\u0131nda g\u00fcvence alt\u0131na al\u0131r. \u0130radeniz d\u0131\u015f\u0131nda arac\u0131n\u0131z\u0131n ba\u015f\u0131na herhangi bir yanma ve \u00e7al\u0131nma durumu gelebilir. Bu durumlarda sigorta length tazminat \u00f6demesi yapar.<\/p>\n<p>G\u00fcn\u00fcm\u00fczde kasko ve trafik sigortas\u0131 birbirine kar\u0131\u015ft\u0131r\u0131lan iki kavramd\u0131r. Ancak bu kavramlar birbirinden farkl\u0131d\u0131r. Kasko, trafik sigortas\u0131na g\u00f6re kar\u015f\u0131 ara\u00e7taki hasar\u0131 de\u011fil kendi arac\u0131n\u0131z\u0131 teminat alt\u0131na al\u0131r. Bununla birlikte sadece arac\u0131n\u0131z de\u011fil b\u00fct\u00e7eniz de g\u00fcvence alt\u0131ndad\u0131r. Olas\u0131 hasar ve kaza durumlar\u0131nda bu sigorta t\u00fcr\u00fc sayesinde b\u00fcy\u00fcokay maliyetlerle u\u011fra\u015fmak durumunda kalmazs\u0131n\u0131z.<\/p>\n<p><b>Kasko Sigortas\u0131 S\u00f6zl\u00fc\u011f\u00fc<br><\/b>Kasko sigortas\u0131 tan\u0131m\u0131n\u0131 yukar\u0131da sizinle payla\u015ft\u0131okay. Bununla birlikte arac\u0131n\u0131za kasko yapt\u0131rd\u0131\u011f\u0131n\u0131zda bilmeniz gereken baz\u0131 kavramlar vard\u0131r. Bu kavramlar\u0131 a\u015fa\u011f\u0131da sizler i\u00e7in s\u0131ralad\u0131ok.<\/p>\n<p><b>Sigortal\u0131:<\/b> Arac\u0131n\u0131za kasko yapt\u0131rd\u0131\u011f\u0131n\u0131zda hem risklere kar\u015f\u0131 korumu\u015f hem de g\u00fcvence alt\u0131na alm\u0131\u015f olursunuz. Bu durumda poli\u00e7e sahibi bir birey olarak bu kavram sizi tan\u0131mlar.<br><b>Sigortac\u0131<\/b>: Sizi yani sigortal\u0131 bireyi belirli ko\u015fullar alt\u0131nda risklere kar\u015f\u0131 korumak i\u00e7in g\u00fcvence veren bir kurumdur.<br>Sigorta Poli\u00e7esi: Sigortal\u0131 ile sigortac\u0131 birey aras\u0131nda sigorta kapsam\u0131nda kar\u015f\u0131l\u0131kl\u0131 anla\u015fmay additionally\u0131 g\u00f6steren belge. Poli\u00e7e t\u00fcm sigorta ko\u015fullar\u0131n\u0131 bar\u0131nd\u0131r\u0131r. Arac\u0131n\u0131z\u0131n ba\u015f\u0131na gelebilecek olas\u0131 felaket durumlar\u0131nda hangi imk\u00e2nlara sahip oldu\u011funuzu bu belge g\u00f6sterir.<br>Kasko De\u011fer Listesi: Bu listeyi her ay T\u00fcrkiye Sigorta Reas\u00fcrans ve Emeklilik \u015eirketler Birli\u011fi yay\u0131nlar. Kasko de\u011fer listesi ile arac\u0131n\u0131z\u0131n modeli ve y\u0131l\u0131 baz al\u0131narak kasko bedeli hesaplan\u0131r. Sigortac\u0131 ise bu durumlarda poli\u00e7edeki bedeli bu listeye g\u00f6re d\u00fczenler.<br><b>Prim<\/b>: Sigortac\u0131ya verdi\u011finiz teminat kar\u015f\u0131l\u0131\u011f\u0131nda bir \u00fccret al\u0131rs\u0131n\u0131z. Bu \u00fccrete prim denir.<br><b>Teminat<\/b>: Poli\u00e7ede yer alan risklerin ya\u015fanmas\u0131 halinde sigortac\u0131 sigortal\u0131ya bir \u00fccret \u00f6der. Bu tutara teminat denir. Ayr\u0131ca teminat tutar\u0131na poli\u00e7ede yer verilir.<br><b>Riziko:<\/b> Sigorta sekt\u00f6r\u00fcnde bu kavram sigortal\u0131 bireye zarar veren ve maddi \u00f6l\u00e7\u00fclebilirli\u011fi olan riskler olarak kar\u015f\u0131m\u0131za \u00e7\u0131kar.<br><b>Zeyilname<\/b>: Sigorta poli\u00e7eleri baz\u0131 ko\u015fullarda d\u00fczenlenebilir. Bu d\u00fczenleme i\u015flemi poli\u00e7ede hatal\u0131 bir bilginin yer almas\u0131 durumunda ya\u015fanabilir. D\u00fczenleme sonras\u0131 olu\u015fan yeni belge ise zeyilname olarak adland\u0131r\u0131l\u0131r.<br><h2>Kasko Poli\u00e7esinde Dikkat Edilmesi Gereken Hususlar<\/h2><b>Arac\u0131n\u0131za kasko yapt\u0131racaksan\u0131z bilmeniz gereken baz\u0131 hususlar vard\u0131r. Bu hususlara dikkat etmeniz length fayda sa\u011flar:<\/b><\/p>\n<p>Kasko yapt\u0131rmak istedi\u011finiz sigorta \u015firketini finansal a\u00e7\u0131dan incelemeli ve ara\u015ft\u0131rmal\u0131s\u0131n\u0131z.<br>Arac\u0131n\u0131za kasko yapt\u0131rd\u0131n\u0131z ve ba\u015f\u0131na bir \u015fey geldi. Bu durumda sigortac\u0131n\u0131n yetkili servisi konusunda ne kadar se\u00e7ene\u011fe sahip oldu\u011funu bilmelisiniz.<br>Sigorta \u015firketinin sigorta sekt\u00f6r\u00fcndeki yeri ve kullan\u0131c\u0131 deneyimi<br>Yeni bir ara\u00e7 sahibi iseniz arac\u0131n\u0131z\u0131n de\u011fer teminat\u0131n\u0131n s\u00fcresi<br>Hasars\u0131zl\u0131okay teminat oran\u0131n\u0131n bilinmesi<br>Hasars\u0131zl\u0131k indirimini bozmayacak durumlar\u0131n kapsam\u0131: arac\u0131n hasar\u0131, cam, ayna ok\u0131r\u0131lmas\u0131, a ways ve onar\u0131m durumlar\u0131nda kullan\u0131lacak malzemelerin orijinalli\u011finin kontrol\u00fc<br>Arac\u0131n\u0131z kullan\u0131lmayacak durumlarda olabilir. Bu durumlarda yeni bir arac\u0131n temin edilip edilmedi\u011fi ve ediliyorsa kendi arac\u0131n\u0131z\u0131 alana kadar m\u0131 oldu\u011fu<br>Arac\u0131n\u0131z\u0131n anahtar\u0131n\u0131n \u00e7al\u0131nmas\u0131 ya da kaybolmas\u0131 durumunda h\u0131rs\u0131zl\u0131\u011f\u0131n kapsan\u0131p kapsanmad\u0131\u011f\u0131 noktas\u0131<br>Yanl\u0131\u015f al\u0131nan akaryak\u0131t sonucu ara\u00e7ta meydana gelen hasar<br>Sigorta \u015firketinin kolayl\u0131kla ula\u015f\u0131labilir olmas\u0131<br>Arac\u0131n\u0131zda hi\u00e7bir hasar bulunmuyorsa poli\u00e7enizin kesitinin olup olmad\u0131\u011f\u0131<br>Kaza ya da ferdi kazada yaralanman\u0131z durumunda tedavi masraflar\u0131n\u0131z\u0131n kar\u015f\u0131lan\u0131p kar\u015f\u0131lanmad\u0131\u011f\u0131. E\u011fer kar\u015f\u0131lan\u0131yor ise y\u00fczde ka\u00e7\u0131n\u0131n kar\u015f\u0131land\u0131\u011f\u0131<br>Sigorta primlerinizi alman\u0131z durumlar\u0131. Bu durumlarda sigorta \u015firketi size \u00f6deme yap\u0131yor ise baz\u0131 aksilikler ya\u015fanabilir.<br><h2>Kasko Poli\u00e7esi Ne Kadar S\u00fcreyle D\u00fczenlenir?<\/h2>Kasko poli\u00e7esinde arac\u0131n\u0131z\u0131n alaca\u011f\u0131 hasarlarda hangilerinin kar\u015f\u0131lanaca\u011f\u0131 belirtilir. Bu poli\u00e7eler bir y\u0131l s\u00fcre ile d\u00fczenlenir. Poli\u00e7ede ayr\u0131ca \u015funlar yer al\u0131r:<\/p>\n<p>Sorumluluklar<br>Teminat durumlar\u0131<br>Sigortal\u0131 ve sigortac\u0131n\u0131n haklar\u0131<br>Teminat alt\u0131nda bulunmayan durumlar<br>Kaza ve zarar halinde s\u00fcrecin nas\u0131l i\u015flenece\u011fi<br><h2>Kasko Sigortas\u0131 ve Trafik Sigortas\u0131 Aras\u0131ndaki Farklar Nelerdir?<\/h2><\/p>\n<p><b>Kasko ve trafik sigortas\u0131 ile arac\u0131n\u0131z\u0131 g\u00fcvende tutabilirsiniz. Ancak genellikle bu iki sigorta t\u00fcr\u00fc birbirine kar\u0131\u015ft\u0131r\u0131l\u0131r. Peki farklar\u0131 nelerdir? Bunlar\u0131 a\u015fa\u011f\u0131daki gibi s\u0131ralamak m\u00fcmk\u00fcnd\u00fcr:<\/b><\/p>\n<p>Trafik sigortas\u0131n\u0131 yapt\u0131rmak zorundas\u0131n\u0131zd\u0131r. \u00c7\u00fcnk\u00fc bu sigorta Karayollar\u0131 Trafik Kanunu gere\u011fince zorunlu k\u0131l\u0131nm\u0131\u015ft\u0131r. Kaskoyu ise iste\u011finize g\u00f6re yapt\u0131rabilirsiniz. Bu tercih length kalm\u0131\u015ft\u0131r.<br>Trafik sigorta kar\u015f\u0131 ara\u00e7 i\u00e7in avantaj sa\u011flar. Herhangi bir kaza durumunda kar\u015f\u0131 tarafta olu\u015fan bir hasar\u0131 zorunlu trafik sigortas\u0131 kar\u015f\u0131lar. Kaskoda kendi arac\u0131n\u0131z\u0131n hasarlar\u0131 kar\u015f\u0131lan\u0131r ve \u00f6n plana \u00e7\u0131kar.<br>Trafik sigortas\u0131nda s\u0131n\u0131rlar sabit olmakla birlikte devlet taraf\u0131ndan belirlenir. Herhangi bir kaza durumunda belirli bir restrict kapsam\u0131nda kar\u015f\u0131 taraf\u0131n zararlar\u0131 kar\u015f\u0131lan\u0131r. Limitlerin a\u015f\u0131lmas\u0131 durumunda ise kasko poli\u00e7esi ile \u00f6deme yap\u0131labilir. Ayr\u0131ca kaskoda ihtiya\u00e7lar\u0131n\u0131za g\u00f6re limitleri siz belirlersiniz. \u00d6rne\u011fin kar\u015f\u0131 ara\u00e7ta 30.000 TL\u2019lik bir zarar var. Trafik sigortas\u0131 bunun 20.000 TL\u2019sini \u00f6dedi. Kalan 10.000 TL \u015fartlar\u0131n uymas\u0131 halinde kasko taraf\u0131ndan \u00f6denebilir. Ancak kaskonuz yoksa kendi b\u00fct\u00e7enizden \u00f6deme durumunda kalabilirsiniz.<br>Kasko Sigortas\u0131 i\u00e7in Hemen online Teklif Al\u0131n<\/p>\n<p>E\u011fer kasko sigortan\u0131z\u0131 <b>Rasel Sigorta<\/b>\u2019dan yapt\u0131rd\u0131ysan\u0131z, yenileme zaman\u0131 geldi\u011finde sizi sms ve e-posta yolu ile bilgilendirmekle kalm\u0131yoruz, ayn\u0131 zamanda en do\u011fru karara ula\u015fabilmeniz i\u00e7in kar\u015f\u0131la\u015ft\u0131raca\u011f\u0131n\u0131z t\u00fcm teklifleri kapsaml\u0131 olarak sizinle payla\u015f\u0131yoruz. B\u00f6ylece kasko sigortan\u0131z\u0131n yenilenme zaman\u0131na dair t\u00fcm kayg\u0131lar\u0131n\u0131z yok olurken ara\u015ft\u0131rma yapman\u0131za gerek duymadan en uygun teklifler ile sigortan\u0131z\u0131 kolayca yenileyebiliyoruz.<\/p>\n<p>Lider sigorta acentesi <b>Rasel Sigorta<\/b> \u00fczerinden sadece birka\u00e7 advert\u0131mda kasko sigortas\u0131 sorgulamas\u0131 yaparak kasko sigortas\u0131 teklifine kolayca ula\u015fabilirsiniz.<\/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>O \u00e7adequate sevdi\u011finiz arac\u0131n\u0131z\u0131n ba\u015f\u0131na gelebilecek tehlikelere kar\u015f\u0131 herhangi bir \u00f6nleminiz var m\u0131? S\u0131ok s\u0131okay trafi\u011fe \u00e7\u0131kt\u0131\u011f\u0131n\u0131z arac\u0131n\u0131z\u0131n ba\u015f\u0131na siz korusan\u0131z da ba\u015fka tehlikeler gelebilir. En basit \u00f6rne\u011fiyle evinizin \u00f6n\u00fcne park edilmi\u015f arac\u0131n\u0131za farkl\u0131 bir s\u00fcr\u00fcc\u00fcn\u00fcn \u00e7arpmas\u0131 gibi. En basit \u00f6rnek ile a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z bu tehlikeler birden fazad\u0131r. Sel, deprem ve yang\u0131n gibi olaylar da arac\u0131n\u0131za [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,24],"tags":[],"class_list":["post-4658","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\/4658","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=4658"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4658\/revisions"}],"predecessor-version":[{"id":4663,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4658\/revisions\/4663"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4349"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4658"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}