{"id":111,"date":"2019-08-19T06:59:54","date_gmt":"2019-08-19T06:59:54","guid":{"rendered":"http:\/\/demo.themewinter.com\/wp\/instive\/?page_id=111"},"modified":"2021-03-15T18:10:05","modified_gmt":"2021-03-15T15:10:05","slug":"faq","status":"publish","type":"page","link":"https:\/\/assigortacilik.com\/?page_id=111","title":{"rendered":"SSS"},"content":{"rendered":"\t\t
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\n \n \n <\/span>\n\n \n Trafik sigortas\u0131 ve Kasko aras\u0131ndaki farklar nelerdir?<\/span>\n\n \n
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Trafik sigortas\u0131 arac\u0131n\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fc ki\u015filere verece\u011fi maddi ve bedeni zararlar\u0131 kar\u015f\u0131layan bir sigortad\u0131r. Kasko sigortas\u0131 ise, kendi arac\u0131n\u0131za gelen maddi zararlar\u0131 kar\u015f\u0131lamaktad\u0131r. Trafik sigortas\u0131 zorunlu bir poli\u00e7edir ve trafik sigortas\u0131 olmadan trafi\u011fe \u00e7\u0131k\u0131lmas\u0131 yasakt\u0131r. Kasko poli\u00e7esi iste\u011fe ba\u011fl\u0131 bir poli\u00e7edir, herhangi bir zorunlulu\u011fu yoktur. Trafik sigortas\u0131, kazada sadece kar\u015f\u0131 tarafa (\u00fc\u00e7\u00fcnc\u00fc ki\u015filere) verilen zararlar\u0131 kar\u015f\u0131lamakta olup, kendi arac\u0131n\u0131z\u0131n hasar\u0131n\u0131 \u00f6demez. Arac\u0131n\u0131z\u0131n hasar ald\u0131\u011f\u0131 herhangi bir kazada sigortadan yararlanabilmek i\u00e7in kasko sigortan\u0131z\u0131n olmas\u0131 gerekmektedir.<\/p>

Sigorta \u015firketleri, teminatlar\u0131n \u00e7o\u011falt\u0131lmas\u0131 amac\u0131yla baz\u0131 paket sigorta \u00fcr\u00fcnleri de geli\u015ftirirebilmektedir. \u0130\u015fte bu kapsamda, kasko sigortalar\u0131 ile birlikte Ferdi Kaza Sigortas\u0131, \u0130htiyari Mali Sorumluluk Sigortas\u0131, Seyahat Ara\u00e7 Yard\u0131m Sigortas\u0131 gibi teminatlarda ek poli\u00e7elerle verilmektedir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Trafik sigortas\u0131nda ara\u00e7 sat\u0131ld\u0131\u011f\u0131nda poli\u00e7e de el de\u011fi\u015ftirir mi? <\/span>\n\n \n
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Trafik poli\u00e7elerinde ara\u00e7 sat\u0131\u015f\u0131 yap\u0131ld\u0131\u011f\u0131 zaman poli\u00e7e yeni al\u0131c\u0131ya ge\u00e7mez. Ara\u00e7 sahibi mevcut poli\u00e7esini iptal ettirmek zorundad\u0131r. Sigortal\u0131, poli\u00e7esinde kalan g\u00fcn kadar prim iadesini al\u0131r. Arac\u0131n yeni sahibi ise, kendi ad\u0131na arac\u0131n tescil tarihine g\u00f6re yeni bir trafik sigortas\u0131 yapmak zorundad\u0131r.<\/p>

Araba sat\u0131n alan herkes\u00a0zorunlu trafik sigortas\u0131\u00a0yapt\u0131rmakla y\u00fck\u00fcml\u00fcd\u00fcr, aksi halde trafik memurlar\u0131n\u0131n kontrol\u00fcnde sigortas\u0131z ara\u00e7 tespit edilir ve trafik \u015fube otopark\u0131na \u00e7ekilir. Arac\u0131 geri almak i\u00e7in zorunlu trafik sigortas\u0131 yapt\u0131r\u0131lmal\u0131 ve di\u011fer mali y\u00fck\u00fcml\u00fcl\u00fckler yerine getirilmelidir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Hasar durumunda par\u00e7a de\u011fi\u015fimi nas\u0131l yap\u0131l\u0131r?<\/span>\n\n \n
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Hasar halinde, hasar g\u00f6ren par\u00e7a, onar\u0131m\u0131 m\u00fcmk\u00fcn de\u011filse veya e\u015fde\u011fer par\u00e7a veya \u00f6mr\u00fcn\u00fc tamamlam\u0131\u015f ara\u00e7lar mevzuat\u0131 kapsam\u0131ndaki ara\u00e7lardan elde edilen orijinal par\u00e7a ile de\u011fi\u015fimine imk\u00e2n yok ise orijinali ile de\u011fi\u015ftirilir.
Kaza tarihine g\u00f6re model y\u0131l\u0131ndan itibaren 3 y\u0131l\u0131 ge\u00e7meyen motorlu ara\u00e7larda hasar g\u00f6ren par\u00e7a, onar\u0131m\u0131 m\u00fcmk\u00fcn de\u011filse \u00f6ncelikle orijinali ile de\u011fi\u015ftirilir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Trafik sigortas\u0131nda kazan\u0131n bildirilmesi zaman a\u015f\u0131m\u0131 ne kadard\u0131r?<\/span>\n\n \n
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Sigortal\u0131, rizikonun ger\u00e7ekle\u015fmesi halinde, sorumlulu\u011funu gerektirecek bir olay\u0131, haberdar oldu\u011fu andan itibaren be\u015f g\u00fcn i\u00e7inde sigortac\u0131ya ihbar etmek zorundad\u0131r. Zarar g\u00f6ren ise, kazaya neden olan ki\u015fiyi \u00f6\u011frendi\u011fi tarihten itibaren 2 y\u0131l i\u00e7inde talebini bildirmek zorundad\u0131r. Ancak bu s\u00fcre her hal\u00fckarda kaza tarihinden itibaren 10 y\u0131l s\u00fcre ile s\u0131n\u0131rl\u0131d\u0131r. Bu s\u00fcre bittikten sonra yap\u0131lacak talepler kar\u015f\u0131lanmaz.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Kasko sigortalar\u0131ndaki fiyat fark\u0131n\u0131n sebebi nedir ?<\/span>\n\n \n
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Sigorta \u015firketleri aras\u0131nda kasko poli\u00e7esi i\u00e7in ayr\u0131 bir rekabet ortam\u0131 olu\u015fmaktad\u0131r. Her bir sigorta \u015firketinin\u00a0kasko\u00a0fiyat\u0131\u00a0belirlerken kemikle\u015fmi\u015f sabit kriterleri vard\u0131r. Ara\u00e7 sahibinin ya\u015f ortalamas\u0131, ikamet edilen adres, ara\u00e7 model tip, ya\u015f\u0131 Bunlar\u0131n d\u0131\u015f\u0131nda sigorta \u015firketleri ge\u00e7mi\u015fte hangi marka\/model ara\u00e7lar i\u00e7in daha az hasar \u00f6demesi yapt\u0131 ise bu kriteri de g\u00f6z \u00f6n\u00fcnde bulundurularak markalara \u00f6zel fiyat uygulamas\u0131 yapabilmektedirler.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n DASK ve Konut Sigortas\u0131 aras\u0131ndaki farklar nelerdir?<\/span>\n\n \n
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Deprem Sigortas\u0131 olarak da bilinen DASK , deprem ve sonucunda meydana gelebilecek yang\u0131n, infilak gibi zararlara kar\u015f\u0131 maddi kay\u0131plar\u0131 kar\u015f\u0131lamak amac\u0131yla yapt\u0131r\u0131l\u0131r ve zorunludur.<\/p>

Konut sigortas\u0131 ise hem deprem kaynakl\u0131 bir hasar olmas\u0131 durumunda DASK poli\u00e7esinin limitini a\u015fan hasarlar i\u00e7in devreye girerek kayb\u0131n\u0131z\u0131 tamamlar hem de sa\u011flad\u0131\u011f\u0131 di\u011fer teminatlarla evinizi di\u011fer risklere kar\u015f\u0131 da koruma alt\u0131na al\u0131r. Dask sigortas\u0131 gibi zorunlu bir police olmamakla birlikte , kapsam\u0131n\u0131n \u00e7ok daha geni\u015f olmas\u0131 ve bir\u00e7ok riske kar\u015f\u0131 evinizi & e\u015fyalar\u0131n\u0131z\u0131 g\u00fcvence alt\u0131na almas\u0131 sebebi ile.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Kirac\u0131 DASK (Zorunlu Deprem Sigortas\u0131) yapt\u0131rmak zorunda m\u0131?<\/span>\n\n \n
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Hay\u0131r. DASK ev (konut) sahibi ad\u0131na yap\u0131lan, zorunlu bir poli\u00e7edir. Bu nedenle kirac\u0131lar i\u00e7in zorunlu deprem sigorta poli\u00e7esi d\u00fczenlenmemektedir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Kimler \u00f6zel sa\u011fl\u0131k sigortas\u0131 yapt\u0131rabilir?<\/span>\n\n \n
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\u00d6zel Sa\u011fl\u0131k sigortas\u0131na hak kazanmak i\u00e7in ya\u015f aral\u0131\u011f\u0131 18-64 olmakla birlikte, Sigorta \u015firketine g\u00f6re farkl\u0131l\u0131k g\u00f6stermektedir. Minimum 15 g\u00fcn\u00fc tamamlam\u0131\u015f bebekler i\u00e7inde \u00f6zel Sa\u011fl\u0131k sigortalar\u0131 yap\u0131labilmektedir.<\/p>

Burada kimlerin \u00f6zel Sa\u011fl\u0131k sigortas\u0131 yapt\u0131r\u0131p yapt\u0131ramaya\u011f\u0131, net olarak sigorta \u015firketi risk de\u011ferlendirmesine g\u00f6re belirlenme ve bu de\u011ferlendirme sonucuna g\u00f6re prim, teminat, istinalar v.s belirlenmektedir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Seyahat sa\u011fl\u0131k sigortas\u0131 ne zaman ba\u015flar?<\/span>\n\n \n
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Seyahat Sa\u011fl\u0131k sigortas\u0131 yurtd\u0131\u015f\u0131na yap\u0131lan seyahatlerde, \u00fclkemiz s\u0131n\u0131rlar\u0131ndan \u00e7\u0131k\u0131ld\u0131\u011f\u0131 ( pasaport ile tespit edildi\u011fi )an ba\u015flar, \u00fclkemiz s\u0131n\u0131r\u0131na \u00a0girildi\u011fi an (pasaport ile tespit edildi\u011fi an )sona erer.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n Yard\u0131ma m\u0131 ihtiyac\u0131n\u0131z var ? <\/h3>\n

Akl\u0131n\u0131za tak\u0131lan t\u00fcm sorular i\u00e7in bizi arayabilirsiniz. <\/p>\n

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\n \n \u0130leti\u015fim <\/a>\n <\/div>\n <\/div>\n <\/div>\n \n \n <\/div>\n <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Trafik sigortas\u0131 ve Kasko aras\u0131ndaki farklar nelerdir? Trafik sigortas\u0131 arac\u0131n\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fc ki\u015filere verece\u011fi maddi ve bedeni zararlar\u0131 kar\u015f\u0131layan bir sigortad\u0131r. Kasko sigortas\u0131 ise, kendi arac\u0131n\u0131za gelen maddi zararlar\u0131 kar\u015f\u0131lamaktad\u0131r. Trafik sigortas\u0131 zorunlu bir poli\u00e7edir ve trafik sigortas\u0131 olmadan trafi\u011fe \u00e7\u0131k\u0131lmas\u0131 yasakt\u0131r. Kasko poli\u00e7esi iste\u011fe ba\u011fl\u0131 bir poli\u00e7edir, herhangi bir zorunlulu\u011fu yoktur. Trafik sigortas\u0131, kazada sadece […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":{"footnotes":""},"class_list":["post-111","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/pages\/111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/assigortacilik.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=111"}],"version-history":[{"count":16,"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/pages\/111\/revisions"}],"predecessor-version":[{"id":4839,"href":"https:\/\/assigortacilik.com\/index.php?rest_route=\/wp\/v2\/pages\/111\/revisions\/4839"}],"wp:attachment":[{"href":"https:\/\/assigortacilik.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}