{"id":23483,"date":"2021-06-23T14:41:56","date_gmt":"2021-06-23T11:41:56","guid":{"rendered":"https:\/\/www.bicakhukuk.com\/?p=23483"},"modified":"2023-02-28T22:40:13","modified_gmt":"2023-02-28T19:40:13","slug":"arac-kazalarinda-aracin-kaybettigi-degerin-tazmini","status":"publish","type":"post","link":"https:\/\/www.bicakhukuk.com\/en\/arac-kazalarinda-aracin-kaybettigi-degerin-tazmini\/","title":{"rendered":"Ara\u00e7 Kazalar\u0131nda Arac\u0131n Kaybetti\u011fi De\u011ferin Tazmini"},"content":{"rendered":"

Ara\u00e7 kazalar\u0131nda arac\u0131n kaybetti\u011fi de\u011ferin tazmini, yaralanma veya \u00f6l\u00fcm durumu yoksa, i\u00e7in prosed\u00fcrler resmiyete uygun bir \u015fekilde yap\u0131larak trafik ak\u0131\u015f\u0131n\u0131n ivedilikle sa\u011flanmas\u0131 tavsiye edilir. E\u011fer kazada \u00f6l\u00fc veya yaral\u0131 yoksa kazaya kar\u0131\u015fan t\u00fcm s\u00fcr\u00fcc\u00fcler i\u00e7in tutanak tutulmas\u0131 gerekir. Kaza an\u0131nda yap\u0131lmas\u0131 gereken \u00f6nemli konulardan biri de foto\u011fraf \u00e7ekmektir. Foto\u011fraf \u00e7ekimi, kaza an\u0131nda ara\u00e7larda meydana gelen hasar\u0131n nedenini ve kusur oran\u0131n\u0131 tespit etmek a\u00e7\u0131s\u0131ndan \u00f6nemlidir. Kazaya ili\u015fkin foto\u011fraflar, kaza hasar tespit tutana\u011f\u0131na i\u015flenerek ara\u00e7taki maddi hasarlar\u0131n giderilmesi ad\u0131na kan\u0131t olarak kullan\u0131labilir. E\u011fer kazada alkoll\u00fc veya ehliyetsiz ara\u00e7 kullanan biri varsa \u00f6ncelikle s\u00fcr\u00fcc\u00fcn\u00fcn trafik kurallar\u0131na uymad\u0131\u011f\u0131na ili\u015fkin kay\u0131t tutulmas\u0131 i\u00e7in mutlaka jandarmaya veya polise haber verilmesi gerekir.<\/span><\/p>\n

<\/span><\/p>\n

De\u011fer Kayb\u0131<\/span><\/h3>\n

De\u011fer kayb\u0131,\u00a0genellikle bir arac\u0131n, kaza ard\u0131ndan orijinal bedelinden kaybetti\u011fi de\u011feri ifade etmektedir. Bu de\u011fer kayb\u0131 \u00f6ncelikle kazan\u0131n ard\u0131ndan yap\u0131lan sigorta taleplerinde \u00f6nemli bir hal almaktad\u0131r. Bir ara\u00e7 bir kazada hasar g\u00f6rd\u00fckten sonra ne kadar de\u011fer kaybetti\u011fi zarar\u0131n niteli\u011fine ba\u011fl\u0131 bir durumdur. Bu ikinci el sat\u0131\u015f piyasas\u0131ndaki de\u011fer kayb\u0131na g\u00f6re belirlenmektedir.\u00a0Ara\u00e7 Kasko Sigortas\u0131\u00a0<\/a>da arac\u0131n\u0131z\u0131n yeni de\u011ferine g\u00f6re hesaplanacakt\u0131r.<\/span><\/p>\n

E\u011fer bir kazada A S\u00fcr\u00fcc\u00fcs\u00fc hatal\u0131ysa, kendi arac\u0131n\u0131n de\u011fer kayb\u0131ndan kendisi sorumlu olmakla birlikte e\u011fer B S\u00fcr\u00fcc\u00fcs\u00fc hatal\u0131ysa, A S\u00fcr\u00fcc\u00fcs\u00fc, de\u011fer kayb\u0131ndan B S\u00fcr\u00fcc\u00fcs\u00fcn\u00fcn sorumlu oldu\u011funu iddia edebilecektir. A S\u00fcr\u00fcc\u00fcs\u00fc kazadan sonra, zarar\u0131n telafi edilmesi i\u00e7in S\u00fcr\u00fcc\u00fc B\u2019nin sigorta \u015firketine (veya kendi sigorta \u015firketine) talepte bulunabilmektedir.<\/span><\/p>\n

De\u011fer Kayb\u0131nda Zamana\u015f\u0131m\u0131<\/span><\/h3>\n

Arac\u0131n\u0131zda meydana gelen De\u011fer Kayb\u0131 i\u00e7in, kaza olay\u0131n\u0131n \u00f6\u011frenildi\u011fi veya meydana geldi\u011fi tarihten itibaren 2 sene i\u00e7inde talepte bulunulmas\u0131 gerekmektedir. Ancak hasar\u0131 veya kazay\u0131 \u00f6\u011frenmeme halinde kazan\u0131n oldu\u011fu tarihten itibaren 10 y\u0131l i\u00e7inde Arac\u0327 De\u011fer Kayb\u0131 davas\u0131 a\u00e7\u0131lmam\u0131\u015f\u0327 olmas\u0131 halinde ilgili dava zamana\u015f\u0131m\u0131na u\u011frayacakt\u0131r. Ancak, Sigorta Genel \u015eartlar\u0131na g\u00f6re kazalar\u0131n\u0131z, ilgili ihbar tarihinin 2 y\u0131ll\u0131k zaman a\u015f\u0131m\u0131na u\u011framayacakt\u0131r. Daha \u00f6nce ba\u015fvuru yapmad\u0131ysan\u0131z, ilk kazan\u0131zdan ba\u015flayarak, Ara\u00e7 De\u011fer Kayb\u0131 hesaplama ba\u015fvurusu yap\u0131labilmektedir. Ayn\u0131 par\u00e7alar\u0131n farkl\u0131 kazalarda birden \u00e7ok i\u015flem g\u00f6rmesi durumunda Ara\u00e7 De\u011fer Kayb\u0131 ilgili par\u00e7alar hesaplamaya al\u0131nmamaktad\u0131r.<\/span><\/p>\n

\u00d6rnek vermek gerekirse e\u011fer A s\u00fcr\u00fcc\u00fcs\u00fcn\u00fcn kusuru yoksa, de\u011fer kayb\u0131 iddialar\u0131n\u0131n, hatal\u0131 s\u00fcr\u00fcc\u00fcye ve onun sigorta \u015firketine ait oldu\u011funu iddia edilebilecektir. 6098 say\u0131l\u0131 T\u00fcrk Bor\u00e7lar Kanunu\u2019nun 49. maddesine g\u00f6re kusurlu ve hukuka ayk\u0131r\u0131 bir fiille ba\u015fkas\u0131na zarar veren, bu zarar\u0131 gidermekle ve 122. maddesine g\u00f6re de A s\u00fcr\u00fcc\u00fcs\u00fc temerr\u00fct faizini a\u015fan bir zarara u\u011fram\u0131\u015f olmas\u0131 halinde, B s\u00fcr\u00fcc\u00fcs\u00fc kendisinin hi\u00e7bir kusuru bulunmad\u0131\u011f\u0131n\u0131 da ispat edemedik\u00e7e, bu zarar\u0131 da gidermekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/span><\/p>\n

De\u011fer kayb\u0131 i\u00e7in sa\u011flanan geri kazan\u0131m miktar\u0131, genellikle kazadan \u00f6ncesi ve sonras\u0131nda arac\u0131n adil ikinci el piyasa de\u011feriyle s\u0131n\u0131rl\u0131d\u0131r. Adil piyasa de\u011feri, Hazine M\u00fcste\u015farl\u0131\u011f\u0131 taraf\u0131ndan yay\u0131mlanan, Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131 Genel \u015eartlar\u0131na g\u00f6re bu konuda yetkili ve uzman olan eksperler taraf\u0131ndan Ara\u00e7 De\u011fer Kayb\u0131 Raporu haz\u0131rlan\u0131r. Haz\u0131rlanan Ara\u00e7 De\u011fer Kayb\u0131 raporunda piyasan\u0131n durumunu da g\u00f6z \u00f6n\u00fcne alan detayl\u0131 hesaplamalar yer almaktad\u0131r<\/span><\/p>\n

Sigorta Tahkim Komisyonu<\/span><\/h3>\n

Sigorta\u00a0Tahkim\u00a0Komisyonu, sigorta ettiren veya sigorta s\u00f6zle\u015fmesinden menfaat sa\u011flayan ki\u015filer\u00a0ile\u00a0riski \u00fcstlenen taraf aras\u0131nda sigorta s\u00f6zle\u015fmesinden do\u011fan uyu\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fcm\u00fc amac\u0131yla T\u00fcrkiye\u00a0Sigorta\u00a0ve\u00a0Reas\u00fcrans \u015eirketleri Birli\u011fi nezdinde kurulmu\u015ftur. Sigorta\u00a0tahkim sistemine \u00fcye olan kurulu\u015flarla uyu\u015fmazl\u0131\u011fa d\u00fc\u015fen ki\u015fi, ilgili kurulu\u015fun sisteme \u00fcye oldu\u011fu tarihten sonra ger\u00e7ekle\u015fen rizikolar bak\u0131m\u0131ndan, uyu\u015fmazl\u0131k konusu s\u00f6zle\u015fmede \u00f6zel bir h\u00fck\u00fcm olmasa bile tahkim usul\u00fcnden faydalanabilmektedirler.\u00a0\u00a0<\/span><\/p>\n

Komisyonun ama\u00e7lar\u0131 ise:<\/span><\/p>\n

    \n
  1. a) Sigorta\u00a0kurulu\u015flar\u0131 ile sigorta ettiren veya sigorta s\u00f6zle\u015fmesinden menfaat sa\u011flayan ki\u015filer aras\u0131nda sigorta s\u00f6zle\u015fmesinden do\u011fan uyu\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fcm\u00fcn\u00fc sa\u011flamak \u00fczere 5684 say\u0131l\u0131 Kanun’un 30. maddesi \u00e7er\u00e7evesinde kurulan tahkim sisteminin etkin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131n\u0131 sa\u011flamak,\u00a0<\/span><\/li>\n
  2. b) Sigorta\u00a0kurulu\u015flar\u0131 ile sigortal\u0131lar aras\u0131ndaki uyu\u015fmazl\u0131klar\u0131n, sigortac\u0131l\u0131k veya sigorta hukukunda ihtisas sahibi ki\u015filerce k\u0131sa s\u00fcrede ve daha d\u00fc\u015f\u00fck maliyetle \u00e7\u00f6z\u00fclmesini sa\u011flamak suretiyle mahkemelerin i\u015f y\u00fck\u00fcn\u00fc azaltmak,<\/span><\/li>\n
  3. c) Uyu\u015fmazl\u0131klar\u0131n etkin bir \u015fekilde \u00e7\u00f6z\u00fclmesine katk\u0131da bulunarak sigorta sekt\u00f6r\u00fcne duyulan g\u00fcveni peki\u015ftirmek,\u00a0<\/span><\/li>\n
  4. d) \u0130lgili d\u00fczenleyici ve denetleyici birimlere sunaca\u011f\u0131 faaliyet raporlar\u0131yla sekt\u00f6r\u00fcn i\u015fleyi\u015finde olabilecek eksikliklere dikkat \u00e7ekmek ve bu suretle yap\u0131labilecek yeni d\u00fczenlemelere katk\u0131 vermek,<\/span><\/li>\n<\/ol>\n

    \u015feklinde s\u0131ralanabilmektedir.<\/span><\/p>\n

    Komisyona gidilebilmesi i\u00e7in, sigortac\u0131l\u0131k yapan kurulu\u015fla uyu\u015fmazl\u0131\u011fa d\u00fc\u015fen ki\u015finin,\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0uyu\u015fmazl\u0131\u011fa konu te\u015fkil eden olay ile ilgili olarak sigortac\u0131l\u0131k yapan kurulu\u015fa gerekli ba\u015fvurular\u0131 yapm\u0131\u015f ve talebinin k\u0131smen ya da tamamen olumsuz sonu\u00e7land\u0131\u011f\u0131n\u0131 belgelemi\u015f olmas\u0131 gerekmektedir. Sigortac\u0131l\u0131k yapan kurulu\u015fun, ba\u015fvuru\u00a0\u00a0\u00a0 tarihinden itibaren on be\u015f (15) i\u015f g\u00fcn\u00fc i\u00e7inde yaz\u0131l\u0131 olarak cevap vermemesi de Komisyona ba\u015fvuru i\u00e7in yeterlidir.<\/span><\/p>\n

    Mahkemeye, Hukuk Muhakemeleri Kanunu \u00e7er\u00e7evesinde tahkime veya T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun h\u00fck\u00fcmleri uyar\u0131nca T\u00fcketici Sorunlar\u0131 Hakem Heyetine intikal etmi\u015f uyu\u015fmazl\u0131klar ile ilgili olarak Komisyona ba\u015fvuru yap\u0131lamaz.<\/span><\/p>\n

    Sigortac\u0131l\u0131k yapan kurulu\u015fla uyu\u015fmazl\u0131\u011fa d\u00fc\u015fen ki\u015finin Komisyona ba\u015fvurusu, \u00f6ncelikle raport\u00f6rler taraf\u0131ndan incelenir. Raport\u00f6rler en ge\u00e7 on be\u015f (15) g\u00fcn i\u00e7inde incelemelerini tamamlamak zorundad\u0131r. Raport\u00f6rler taraf\u0131ndan \u00e7\u00f6z\u00fcmlen dirilemeyen ba\u015fvurular sigorta hakemine iletilmektedir. Uyu\u015fmazl\u0131\u011fa hangi sigorta hakeminin bakaca\u011f\u0131, Komisyon taraf\u0131ndan sigorta hakemi listesinden se\u00e7ilir. Komisyon, i\u015fin niteli\u011fine ba\u011fl\u0131 olarak en az \u00fc\u00e7 sigorta hakeminden olu\u015fan bir heyet olu\u015fturulmas\u0131na karar verebilir. Ancak, uyu\u015fmazl\u0131k konusu miktar\u0131n onbe\u015f bin T\u00fcrk Liras\u0131 <\/strong>ve \u00fczerinde oldu\u011fu durumlarda heyet te\u015fekk\u00fcl\u00fc zorunludur. Heyet karar\u0131n\u0131 \u00e7o\u011funlukla verir. Hakemler, sadece kendilerine verilen evrak \u00fczerinden karar vermektedir. Se\u00e7ilen sigorta hakemi m\u00fccbir nedenler ve umulmayan haller hari\u00e7 olmak \u00fczere g\u00f6revi reddedememektedirler. Bununla birlikte, taraflar, Hukuk Muhakemeleri Kanununda yer alan h\u00e2kimi ret nedenlerine dayanarak hakemi reddedebileceklerdir. Ret talebi Komisyona, durumun \u00f6\u011frenildi\u011fi tarihten itibaren en ge\u00e7 be\u015f i\u015f g\u00fcn\u00fc i\u00e7inde bir dilek\u00e7eyle yap\u0131lmaktad\u0131r. Ret talebi \u00fczerine Komisyon m\u00fcd\u00fcr\u00fc, iki taraf\u0131n g\u00f6r\u00fc\u015flerini dinledikten sonra bu konuda en ge\u00e7 be\u015f i\u015fg\u00fcn\u00fc i\u00e7inde karar verir.<\/span><\/p>\n

    Hakemler, g\u00f6revlendirildikleri tarihten itibaren en ge\u00e7 d\u00f6rt ay i\u00e7inde karar vermeye mecburdur. Aksi halde, uyu\u015fmazl\u0131k yetkili mahkemece halledilir. Ancak, bu s\u00fcre taraflar\u0131n a\u00e7\u0131k ve yaz\u0131l\u0131 muvafakatleriyle uzat\u0131labilir. Hakem, karar\u0131n\u0131 Komisyon m\u00fcd\u00fcr\u00fcne tevdi eder. Hakem karar\u0131, en ge\u00e7 \u00fc\u00e7 i\u015f g\u00fcn\u00fc i\u00e7inde, Komisyon taraf\u0131ndan taraflara bildirilir ve dosya asl\u0131 saklanmak \u00fczere yetkili mahkemeye g\u00f6nderilir.<\/span><\/p>\n

    Uyu\u015fmazl\u0131\u011fa d\u00fc\u015fen taraflar aras\u0131nda, a\u00e7\u0131k ve yaz\u0131l\u0131 \u015fekilde yap\u0131lmas\u0131 gereken s\u00f6zle\u015fme ile daha y\u00fcksek bir tutar belirlenmemi\u015fse, hakemin verdi\u011fi k\u0131rk bin T\u00fcrk Liras\u0131na<\/strong> kadar olan kararlar her iki taraf i\u00e7in kesindir. K\u0131rk bin T\u00fcrk Liras\u0131n\u0131n \u00fczerindeki kararlar i\u00e7in temyize gidilebilir. Ancak tahkim s\u00fcresinin sona ermesinden sonra karar verilmi\u015f olmas\u0131, talep edilmemi\u015f bir \u015fey hakk\u0131nda karar verilmi\u015f olmas\u0131, hakemlerin yetkileri dahilinde olmayan konularda karar vermesi ve hakemlerin, taraflar\u0131n iddialar\u0131 hakk\u0131nda karar vermemesi durumlar\u0131nda her h\u00e2l\u00fck\u00e2rda temyiz yolu a\u00e7\u0131kt\u0131r.<\/span><\/p>\n

    Ara\u00e7 De\u011fer Kayb\u0131 ve Sigorta Tahkimi <\/span><\/h3>\n

    Ara\u00e7 de\u011fer kayb\u0131 taraflar aras\u0131nda bir\u00e7ok uyu\u015fmazl\u0131k ve anla\u015fmazl\u0131\u011fa sebep olacak zor bir durum olup bu durum m\u00fcmk\u00fcn oldu\u011funca hasars\u0131z atlat\u0131l\u0131p h\u0131zl\u0131 sonu\u00e7land\u0131r\u0131lmas\u0131 ad\u0131na da <\/u>Sigorta Tahkim Komisyonu\u2019na giderek ba\u015fvuru yap\u0131labilir.<\/span><\/p>\n

    Yap\u0131lan ba\u015fvurunun ard\u0131ndan komisyon de\u011ferlendirme s\u00fcreci ba\u015flat\u0131l\u0131r. Yap\u0131lan incelemelerin ard\u0131ndan komisyon ara\u00e7 sahibinin lehine bir karar verirse sigorta \u015firketine zarar\u0131 \u00f6demesi y\u00f6n\u00fcnde karar\u0131 tebli\u011f eder.<\/span><\/p>\n

    Bu s\u00fcrecin tamamlanmas\u0131 i\u00e7in 4 ayl\u0131k bir s\u00fcre vard\u0131r.\u00a0Sigorta Tahkim Komisyonu karalar\u0131<\/strong>\u00a0ne olursa olsun bu s\u00fcre zarf\u0131 i\u00e7erisinde verilmelidir.<\/span><\/p>\n

    Ara\u00e7 De\u011fer Kayb\u0131 Sigorta Tahkime Ba\u015fvuru Nas\u0131l Yap\u0131l\u0131r \u015eartlar\u0131 ve Usul\u00fc<\/span><\/h3>\n

    Sigorta \u015firketleri ile ya\u015fanan anla\u015fmazl\u0131k neticesinde firmaya yap\u0131lan ba\u015fvurulara 15 g\u00fcn i\u00e7erisinde cevap verilmemi\u015f ve \u00e7\u00f6z\u00fcme kavu\u015fmam\u0131\u015f ise veya bir cevap al\u0131nam\u0131yor ise Sigorta Tahkim Komisyonuna ba\u015fvuru yap\u0131labilmektedir.<\/span><\/p>\n

      \n
    • Sigorta \u015firketlerine anla\u015fmazl\u0131k durumunda yap\u0131lan ba\u015fvurulara 15 g\u00fcn i\u00e7erisinde cevap verilmemesi veya verilen cevab\u0131n yetersiz olmas\u0131 durumunda yap\u0131lan ba\u015fvuruyu ispatlayacak belgeler ve sonu\u00e7 yaz\u0131s\u0131 ile Sigorta Tahkim Komisyonuna \u015fahsen veya avukat arac\u0131l\u0131\u011f\u0131 ile ba\u015fvuru yap\u0131labilmektedir.<\/span><\/li>\n<\/ul>\n
        \n
      • Sigorta Tahkim Komisyonuna sigorta ettiren veya s\u00f6zle\u015fme nedeni ile bu konuda menfaat sa\u011flayan \u00fc\u00e7\u00fcnc\u00fc ki\u015filer ile sigorta \u015firketleri \u015fahsen veya avukat arac\u0131l\u0131\u011f\u0131 ile ba\u015fvuru yapabilmektedir.<\/span><\/li>\n<\/ul>\n
          \n
        • Yap\u0131lacak ba\u015fvurulardan \u00f6nce \u015fikayet\u00e7i ki\u015finin Mahkemelere veya T\u00fcketici Sorunlar\u0131 Hakem Heyetine sunmam\u0131\u015f olmas\u0131 gerekmektedir.<\/span><\/li>\n<\/ul>\n
            \n
          • Komisyona bir ba\u015fvuru yap\u0131lmadan \u00f6nce konu \u015fikayet hakk\u0131nda sigorta \u015firketine bir bilgi verilmi\u015f olmas\u0131 gerekmektedir.<\/span><\/li>\n<\/ul>\n
              \n
            • Yap\u0131lan ba\u015fvurular\u0131n Sigorta Tahkim Komisyonu taraf\u0131ndan kabul edilmesi ve lehte sonu\u00e7lanmas\u0131 durumunda sigorta \u015firketinin zarar\u0131 \u00f6demesi mecburi olmaktad\u0131r. bu konuda komisyon taraflara ve mahkemeye tebli\u011f etmektedir.<\/span><\/li>\n<\/ul>\n
                \n
              • Anla\u015fmazl\u0131k miktar\u0131 5.000 TL bedele kadar rakamlarda hakem kararlar\u0131 kesin olmaktad\u0131r.<\/span><\/li>\n<\/ul>\n
                  \n
                • Sigorta Tahkim Komisyonuna yap\u0131lacak ba\u015fvurularda \u015fikayet ve anla\u015fmazl\u0131k konusu ne olursa olsun en fazla d\u00f6rt ay i\u00e7erisinde sonu\u00e7land\u0131r\u0131lmas\u0131 gerekmektedir.<\/span><\/li>\n<\/ul>\n
                    \n
                  • Kurulu\u015f amac\u0131 olarak m\u00fc\u015fteri odakl\u0131 bir \u015fekilde hareket eden komisyonda, sigorta sahiplerinin haklar\u0131n\u0131 savunmas\u0131 \u00e7ok daha kolay olmaktad\u0131r.<\/span><\/li>\n<\/ul>\n

                    Sigorta Tahkim Komisyonu’na Ba\u015fvurumun Maliyeti <\/span><\/h3>\n

                    Komisyona ba\u015fvuruda bulunmak i\u00e7in \u00f6ncelikle; uyu\u015fmazl\u0131k tutar\u0131 5.000 TL’ye kadar olan ba\u015fvurular i\u00e7in 100 TL, uyu\u015fmazl\u0131k tutar\u0131 5.001 ila 10.000 TL aras\u0131ndaki ba\u015fvurular i\u00e7in 250 TL, uyu\u015fmazl\u0131k tutar\u0131 10.001 TL ve 20.000 TL aras\u0131ndaki ba\u015fvurularda 350 TL, uyu\u015fmazl\u0131k tutar\u0131 20001 TL ve \u00fczeri ba\u015fvurularda uyu\u015fmazl\u0131k tutar\u0131n\u0131n %1,5’u ( En az 350 TL olmak \u00fczere) olmak \u00fczere ba\u015fvuru \u00fccretinin Ziraat Bankas\u0131 \u015fubelerinden kurum tahsilat program\u0131 arac\u0131l\u0131\u011f\u0131yla Sigorta Tahkim Komisyonu hesab\u0131na yat\u0131r\u0131lmas\u0131 gerekmektedir. Ba\u015fvuru \u00fccretleri internet \u00fczerinden de Komisyonun Ziraat Bankas\u0131 Ba\u011flarba\u015f\u0131 \u015eubesi 50256701-5015 numaral\u0131 hesab\u0131na yat\u0131r\u0131labilir (\u015eube Kodu: 824).<\/span><\/p>\n

                    Bunun yan\u0131nda, hakemler kararlar\u0131nda Hukuk Muhakemeleri Kanunu’nda yer alan ilgili h\u00fck\u00fcmler \u00e7er\u00e7evesinde yarg\u0131lama masraflar\u0131na da h\u00fckmedeceklerdir.<\/span><\/p>\n

                    \u0130lgili yaz\u0131da ara\u00e7 de\u011fer ve sigorta tahkiminin genel bilgilendirilmesi yap\u0131lm\u0131\u015f olunup aralar\u0131nda ili\u015fki ve ba\u015fvuru s\u00fcreci ele al\u0131nm\u0131\u015ft\u0131r.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

                    Ara\u00e7 kazalar\u0131nda arac\u0131n kaybetti\u011fi de\u011ferin tazmini, yaralanma veya \u00f6l\u00fcm durumu yoksa, i\u00e7in prosed\u00fcrler resmiyete uygun bir \u015fekilde yap\u0131larak trafik ak\u0131\u015f\u0131n\u0131n ivedilikle sa\u011flanmas\u0131 tavsiye edilir. E\u011fer kazada \u00f6l\u00fc veya yaral\u0131 yoksa kazaya kar\u0131\u015fan t\u00fcm s\u00fcr\u00fcc\u00fcler i\u00e7in tutanak tutulmas\u0131 gerekir. Kaza an\u0131nda yap\u0131lmas\u0131 gereken \u00f6nemli konulardan biri de foto\u011fraf \u00e7ekmektir. Foto\u011fraf \u00e7ekimi, kaza an\u0131nda ara\u00e7larda meydana gelen […]<\/p>\n","protected":false},"author":5217,"featured_media":23485,"comment_status":"open","ping_status":"open","sticky":false,"template":"page-fullwidth.php","format":"standard","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[31,739,793],"tags":[3592,3580,3579,3577,3582,3591,3589,3583,3593,3588,3584,3590,3599,3595,3594,3578,3581,3596,3585,3597,3586,3598,3600,3587],"class_list":["post-23483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilgilendirme","category-gorusler-dusunceler","category-gorusler","tag-alkollu-arac-kullanan","tag-arac-deger-kaybi","tag-arac-deger-kaybi-sigorta-tahkim","tag-aracin-kaybettigi-degerin-tazmini","tag-deger-kaybi","tag-ehliyetsiz-arac-kullanan","tag-hasar-tespit-tutanagi","tag-ikinci-el-satis-piyasasi","tag-jandarmaya-haber-verme","tag-kaza-fotograf-cekmek","tag-kaza-sonrasi-islemler","tag-kaza-tespit-tutanagi","tag-kazaya-karisan-surucu","tag-maddi-hasarli-trafik-kazasi","tag-polise-haber-verme","tag-sigorta-tahkim-komisyonu","tag-sigorta-tahkimi","tag-sigortadan-para-alma","tag-surucu-ve-yayalarin-dikkatsizligi","tag-tek-tarafli-kaza","tag-trafik-kazalari","tag-trafik-kazasi-polis-raporu","tag-trafik-kazasi-tazminat-hesaplama","tag-yaralanma-veya-olum"],"yoast_head":"\nAra\u00e7 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