Karayollar\u0131 Trafik Kanunu uyar\u0131nca her motorlu ara\u00e7 sahibinin yapt\u0131rmakla y\u00fck\u00fcml\u00fc oldu\u011fu Zorunlu Trafik Sigortas\u0131, olas\u0131 bir kazada kusurlu bulunman\u0131z durumunda kar\u015f\u0131 tarafa verdi\u011finiz maddi ve bedeni zararlar\u0131 yasal limitler dahilinde kar\u015f\u0131lar. Bu poli\u00e7e kendi arac\u0131n\u0131zdaki zararlar\u0131 kesinlikle kar\u015f\u0131lamaz; temel amac\u0131 \u00fc\u00e7\u00fcnc\u00fc ki\u015filerin ma\u011fduriyetini engellemek ve kazalar\u0131n mali y\u00fck\u00fcn\u00fc dengelemektir. Bu nedenle trafik sigortas\u0131 olmayan ara\u00e7lar\u0131n trafi\u011fe \u00e7\u0131kmas\u0131 kanunen yasakt\u0131r.<\/p>\n
Kasko sigortas\u0131 ise tamamen iste\u011fe ba\u011fl\u0131 olarak yapt\u0131r\u0131lan, do\u011frudan kendi arac\u0131n\u0131z\u0131 g\u00fcvence alt\u0131na alan bir mal sigortas\u0131 t\u00fcr\u00fcd\u00fcr. Kaza an\u0131nda kusur tamamen sizde olsa dahi kasko poli\u00e7esi, s\u00f6zle\u015fmede belirlenen ko\u015fullar ve limitler \u00e7er\u00e7evesinde kendi arac\u0131n\u0131z\u0131n tamir masraflar\u0131n\u0131 kar\u015f\u0131lar. Arac\u0131n yanmas\u0131, \u00e7al\u0131nmas\u0131, \u00e7al\u0131nmaya te\u015febb\u00fcs edilmesi, sel ve deprem gibi do\u011fal afetler veya k\u00f6t\u00fc niyetli hareketler neticesinde g\u00f6rece\u011fi zararlar da kasko teminat\u0131 alt\u0131na al\u0131nabilir.<\/p>\n
Trafik sigortas\u0131n\u0131n teminat limitleri ve uygulama kurallar\u0131 her y\u0131l kamu otoriteleri taraf\u0131ndan belirlenir ve t\u00fcm sigorta \u015firketlerinde standart limitlerle uygulan\u0131r. Kasko sigortas\u0131nda ise teminatlar\u0131n \u00e7er\u00e7evesi, ara\u00e7 sahibinin talepleri ve b\u00fct\u00e7esi do\u011frultusunda esnetilebilir. \u0130kame ara\u00e7 temini, mini onar\u0131m hizmetleri, anahtar kayb\u0131 g\u00fcvencesi veya \u00e7ekici hizmeti gibi ilave yard\u0131m maddeleri kasko poli\u00e7esine kolayl\u0131kla dahil edilebilir.<\/p>\n
\u0130ki poli\u00e7e aras\u0131ndaki prim farkl\u0131l\u0131klar\u0131 da bu kapsam ayr\u0131mlar\u0131ndan kaynaklan\u0131r. Trafik sigortas\u0131nda primler ara\u00e7 tipi, il ve hasars\u0131zl\u0131k basama\u011f\u0131na g\u00f6re belirli kurallarla hesaplan\u0131rken, kasko sigortas\u0131nda arac\u0131n rayi\u00e7 de\u011feri, s\u00fcr\u00fcc\u00fcn\u00fcn ge\u00e7mi\u015f hasar durumu, kullan\u0131m amac\u0131 ve se\u00e7ilen ek teminatlar belirleyicidir. Kaskosuz trafi\u011fe \u00e7\u0131kmak yasal bir ceza do\u011furmaz; ancak b\u00fcy\u00fck bir kaza durumunda olu\u015facak a\u011f\u0131r tamir maliyetlerini ara\u00e7 sahibinin kendi b\u00fct\u00e7esinden kar\u015f\u0131lamas\u0131 gerekir.<\/p>\n
Ara\u00e7 sahiplerinin yayg\u0131n yan\u0131lg\u0131lar\u0131ndan biri, trafik sigortas\u0131n\u0131n t\u00fcm kaza s\u00fcrecini finanse edece\u011fini d\u00fc\u015f\u00fcnmeleridir. Oysa zincirleme bir kazada kar\u015f\u0131 tarafa verilen zarar trafik poli\u00e7esinin yasal tavan\u0131n\u0131 a\u015ft\u0131\u011f\u0131nda, aradaki farktan ara\u00e7 sahibi \u015fahsen sorumlu tutulur. Kasko poli\u00e7elerine eklenebilen \u0130htiyari Mali Mesuliyet teminat\u0131 ise tam bu noktada devreye girerek trafik sigortas\u0131n\u0131n limitlerini a\u015fan zararlar\u0131 kar\u015f\u0131lar.<\/p>\n
Sonu\u00e7 olarak, trafi\u011fe \u00e7\u0131kan her ara\u00e7 i\u00e7in hem yasal zorunlulu\u011fu yerine getiren Trafik Sigortas\u0131 hem de maddi varl\u0131\u011f\u0131n\u0131z\u0131 koruyan Kasko Sigortas\u0131 birbirini tamamlayan iki kritik g\u00fcvencedir. Acentemiz, arac\u0131n\u0131z\u0131n ya\u015f\u0131na ve kullan\u0131m ko\u015fullar\u0131na uygun do\u011fru kasko paketlerini belirlemenizde ve haklar\u0131n\u0131z\u0131 \u00f6\u011frenmenizde rehberlik sa\u011flamaktad\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
Ara\u00e7 sahiplerinin en \u00e7ok kar\u0131\u015ft\u0131rd\u0131\u011f\u0131 iki temel poli\u00e7enin kapsam\u0131, yasal zorunlulu\u011fu ve teminat farkl\u0131l\u0131klar\u0131.<\/p>\n","protected":false},"author":0,"featured_media":17,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-16","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigorta-acentesi"],"_links":{"self":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/comments?post=16"}],"version-history":[{"count":0,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts\/16\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/media\/17"}],"wp:attachment":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/media?parent=16"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/categories?post=16"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/tags?post=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}