{"id":1345,"date":"2021-01-04T02:53:34","date_gmt":"2021-01-03T23:53:34","guid":{"rendered":"http:\/\/sektorturk.com\/?p=1345"},"modified":"2021-01-04T02:56:18","modified_gmt":"2021-01-03T23:56:18","slug":"arac-deger-kaybi-tazminati-konusunda-tusedden-uyari","status":"publish","type":"post","link":"https:\/\/tr.sektorturk.com\/?p=1345","title":{"rendered":"Ara\u00e7 De\u011fer Kayb\u0131 Tazminat\u0131 Konusunda T\u00dcSED’den Uyar\u0131!"},"content":{"rendered":"\n

Son zamanlarda ara\u00e7 de\u011fer kayb\u0131\nhususunda bas\u0131nda \u00e7\u0131kan haberlerle ilgili olarak T\u00dcSED T\u00fcrkiye Sigorta\nEksperleri Derne\u011fi\u2019nden a\u00e7\u0131klama geldi. Kaza sonras\u0131 ara\u00e7 de\u011fer kayb\u0131\ntazminatlar\u0131n\u0131n ara\u00e7 sahipleri taraf\u0131ndan talep edilemedi\u011fi, de\u011fer kayb\u0131 rapor\ntanzimlerinin s\u0131ra usul\u00fcyle atamas\u0131 prosed\u00fcr\u00fcne ayk\u0131r\u0131 davran\u0131ld\u0131\u011f\u0131 gibi\nifadelere rastland\u0131\u011f\u0131n\u0131, fakat bunlar\u0131n do\u011fru olmad\u0131\u011f\u0131n\u0131 dile getiren T\u00dcSED ve\nTOBB SE\u0130K Ba\u015fkan\u0131 Ahmet Nedim Erdem “Bir\u00e7ok ara\u00e7 sahibi, ara\u00e7 de\u011fer kayb\u0131\nkonusunda yeterince bilgi sahibi de\u011fil. Ara\u00e7lardaki de\u011fer kayb\u0131n\u0131n, sigorta\n\u015firketleri taraf\u0131ndan hesapland\u0131\u011f\u0131, hak kayb\u0131n\u0131n ya\u015fand\u0131\u011f\u0131 ve hatta talep\nedilen tazminatlar\u0131n \u00f6denmedi\u011fi \u015feklinde s\u00f6ylemler var. De\u011fer kayb\u0131\ntazminatlar\u0131, sigorta \u015firketleri taraf\u0131ndan de\u011fil; Sigorta Bilgi ve G\u00f6zetim\nMerkezi \u00fczerinden s\u0131ra esas\u0131na g\u00f6re atanan, ilgili bran\u015fta ruhsat sahibi,\nba\u011f\u0131ms\u0131z ve tarafs\u0131z sigorta eksperleri taraf\u0131ndan hesaplanmaktad\u0131r.”\ndedi. \u00d6te yandan Erdem, kaza ge\u00e7mi\u015fi olan ara\u00e7lar\u0131n al\u0131m-sat\u0131m\u0131nda; ara\u00e7 de\u011fer\nkayb\u0131 belgesinin zorunlu k\u0131l\u0131nmas\u0131 durumunda, \u00f6zellikle a\u011f\u0131r hasar kay\u0131tl\u0131,\ny\u00fcksek TRAMER kay\u0131tl\u0131, de\u011fi\u015fen-boyanan par\u00e7as\u0131 fazla olan ara\u00e7lar\u0131n fiyatlar\u0131n\u0131n,\norijinalli\u011fi korunmu\u015f ara\u00e7lara g\u00f6re d\u00fc\u015fece\u011fine ve ikinci el ara\u00e7 alacak\nki\u015filerin ma\u011fduriyetinin \u00f6n\u00fcne ge\u00e7ilece\u011fine \ndikkat \u00e7ekti.<\/strong><\/p>\n\n\n\n

Ara\u00e7 sahipleri de\u011fer kayb\u0131n\u0131\nnas\u0131l hesaplatabilir?<\/strong><\/p>\n\n\n\n

Trafik kazalar\u0131n\u0131n ard\u0131ndan\nara\u00e7ta olu\u015fan fiziksel zararlar\u0131n onar\u0131m bedelinin yan\u0131 s\u0131ra, sigorta\npoli\u00e7elerinin de\u011fer kayb\u0131 zarar\u0131n\u0131 da tazmin etti\u011fini belirten Erdem<\/strong>,  “E\u011fer bir kaza yapt\u0131ysan\u0131z ve kaza\nnedeniyle arac\u0131n\u0131zda olu\u015fan de\u011fer kayb\u0131n\u0131n hesap edilmesini istiyorsan\u0131z, E-Devlet \u00fczerinden <\/strong>( https:\/\/www.turkiye.gov.tr\/sbgm-eksper-atama<\/a> ) veya\nSigorta Bilgi ve G\u00f6zetim Merkezi\u2019 nin\n(SBM) web sayfas\u0131 \u00fczerinden<\/strong> ( www.sbm.org.tr<\/a> )\nonline \u201c\u0130\u015flemler\u201d men\u00fcs\u00fc alt\u0131ndaki \u201cEksper Atama\u201d ad\u0131mlar\u0131n\u0131 takip ederek de\u011fer\nkayb\u0131 raporu i\u00e7in eksper atamas\u0131 yapabilir, ayr\u0131ca Zorunlu Mali Mesuliyet\nSigorta Poli\u00e7esini d\u00fczenlemi\u015f olan sigorta \u015firketinden de talepte\nbulunulabilirsiniz. Vatanda\u015f\u0131n talebi sonras\u0131nda sistem, s\u0131ra esas\u0131na g\u00f6re<\/strong>\ndosyaya eksper atamas\u0131 yapmakta; atanan ilgili bran\u015ftaki ruhsat sahibi,\ntarafs\u0131z ve ba\u011f\u0131ms\u0131z sigorta eksperi hak sahibi ile temasa ge\u00e7erek ara\u00e7\n\u00fczerindeki de\u011fer kayb\u0131n\u0131 ilgili mevzuat \u00e7er\u00e7evesinde, tam, do\u011fru ve eksiksiz\nolarak tespit ederek raporunu olu\u015fturmaktad\u0131r. Ekspertiz raporunda tespit edilen tutar, Sigorta \u015eirketi taraf\u0131ndan\nde\u011ferlendirilerek tazminat \u00f6demesi do\u011frudan hak sahibinin banka hesab\u0131na\nkesintisiz olarak yap\u0131lmaktad\u0131r.<\/strong>” diye ekledi. <\/p>\n\n\n\n

De\u011fer kayb\u0131 rapor \u00fccreti kusur\noran\u0131na g\u00f6re ilgili sigorta \u015firketleri taraf\u0131ndan kar\u015f\u0131lanmaktad\u0131r. Sigorta\n\u015firketinin, de\u011fer kayb\u0131 tazminat talebini tamamen veya k\u0131smen reddetmesi veya\ntalebe, ba\u015fvuru tarihinden itibaren 15 g\u00fcn i\u00e7inde yaz\u0131l\u0131 olarak cevap vermemesi\nhalinde; yine ara\u00e7 sahibinin, Sigorta\nTahkim Komisyonu<\/strong>\u2019na (http:\/\/www.sigortatahkim.org\/<\/a> )\n\u015fahsen ya da posta yoluyla ba\u015fvurabilece\u011fi belirtildi.  <\/p>\n\n\n\n

De\u011fer Kayb\u0131 Raporu tanzimi i\u00e7in\neksperler nas\u0131l g\u00f6revlendiriliyor?<\/strong><\/p>\n\n\n\n

De\u011fer Kayb\u0131 Raporu tanziminde,\nilgili t\u00fcm taraflar i\u00e7in g\u00fcvenin tesis edilmesi amac\u0131yla atamalar\u0131n SBM\nsistemi \u00fczerinden s\u0131ra esas\u0131na g\u00f6re yap\u0131ld\u0131\u011f\u0131n\u0131 <\/strong>dile getiren Erdem<\/strong>,\n\u201cSon zamanlarda s\u0131ra usul\u00fc atama\nyap\u0131lmad\u0131\u011f\u0131 y\u00f6n\u00fcnde s\u00f6ylemlere de rastlamaktay\u0131z; bu s\u00f6ylemlere itibar\nedilmemesini rica ederiz.  Sigorta\neksperleri camias\u0131 olarak,  s\u0131ra usul\u00fc\natamay\u0131, hak sahiplerinin menfaatlerinin korunmas\u0131 ve mesle\u011fimizin sayg\u0131nl\u0131\u011f\u0131\ni\u00e7in bir teminat olarak g\u00f6rmekte oldu\u011fumuz gibi, bu sistemin kurallar\n\u00e7er\u00e7evesinde sa\u011fl\u0131kl\u0131 i\u015flemesi i\u00e7in verdi\u011fimiz \u00e7aba da herkesin malumudur<\/strong>\u201d\ndedi.<\/p>\n\n\n\n

“Kaza\nge\u00e7mi\u015fi olan her ara\u00e7 i\u00e7in yasal d\u00fczenleme getirilmeli”<\/strong><\/p>\n\n\n\n

\u00d6te yandan kaza ge\u00e7mi\u015fi olan\nara\u00e7lar\u0131n ikinci el sat\u0131\u015f\u0131 esnas\u0131ndaki de\u011fer d\u00fc\u015f\u00fckl\u00fc\u011f\u00fcn\u00fcn hali haz\u0131rda mutlak bir hesab\u0131 bulunmad\u0131\u011f\u0131na de\u011finen\nErdem, ara\u00e7lar\u0131n al\u0131m-sat\u0131m\u0131nda, de\u011fer kayb\u0131 belgesinin zorunlu k\u0131l\u0131nmas\u0131\ndurumunda \u00f6zellikle a\u011f\u0131r hasar kay\u0131tl\u0131, y\u00fcksek TRAMER kay\u0131tl\u0131, de\u011fi\u015fen-boyanan\n\u00e7ok par\u00e7as\u0131 olan ara\u00e7lar\u0131n fiyatlar\u0131n\u0131n, orijinalli\u011fi korunmu\u015f ara\u00e7lara g\u00f6re\nd\u00fc\u015fece\u011fine ve 3’\u00fcnc\u00fc \u015fah\u0131slar\u0131n al\u0131m-sat\u0131mdaki ma\u011fduriyetinin \u00f6n\u00fcne\nge\u00e7ilece\u011fine <\/strong>de dikkat \u00e7ekti. <\/strong><\/p>\n\n\n\n

Erdem,\na\u00e7\u0131klamalar\u0131na, <\/strong>“Kaza ge\u00e7mi\u015fi olan arac\u0131n de\u011fer kayb\u0131,\nal\u0131c\u0131 ve sat\u0131c\u0131 aras\u0131nda pazarl\u0131k usul\u00fc ile belirleniyor. Bu durum taraflar\u0131n\nen az\u0131ndan birinin ma\u011fduriyetine sebep oluyor. Ara\u00e7 de\u011fer kayb\u0131n\u0131n resmi olarak belgelendirilmesi, t\u00fcm ma\u011fduriyetin\n\u00f6n\u00fcne ge\u00e7ecektir. \u0130kinci el ara\u00e7 sat\u0131\u015f\u0131na konu t\u00fcm ara\u00e7lar\u0131n istisnas\u0131z\nolarak tamam\u0131n\u0131n de\u011fer kay\u0131plar\u0131n\u0131n tespit edilerek Sigorta Bilgi Merkezi\n (SBM)  veya benzeri bir platform \u00fczerine giri\u015flerinin sa\u011flanabilmesi\nancak yeni yasal d\u00fczenlemeler ile sa\u011flanabilir.<\/strong> B\u00f6yle bir yasal d\u00fczenleme\nhalinde tarafs\u0131z ve ba\u011f\u0131ms\u0131z olarak hizmet vermekte olan TOBB Sigorta\nEksperleri \u0130cra Komitesi Levhas\u0131nda kay\u0131tl\u0131 ilgili bran\u015fta ruhsat sahibi\nsigorta eksperleri de\u011fer kayb\u0131 tutar\u0131n\u0131n do\u011fru ve eksiksiz olarak tespiti ile\ntaraflar\u0131n haklar\u0131n\u0131n korunmas\u0131n\u0131n teminat\u0131 olacakt\u0131r” \u015feklinde devam\netti. <\/p>\n\n\n\n

Erdem, maddi hasarl\u0131 kaza yapan vatanda\u015flar\u0131m\u0131z\u0131n hak kayb\u0131na u\u011framamalar\u0131 ve ma\u011fduriyet ya\u015famamalar\u0131 ad\u0131na gerekli sistem \u00fczerinden yukar\u0131da aktar\u0131lan usule g\u00f6re ba\u015fvurular\u0131n\u0131 yaparak olu\u015fan de\u011fer kayb\u0131 tazminatlar\u0131n\u0131 almalar\u0131n\u0131n \u00f6nemli oldu\u011funu da vurgulad\u0131.<\/p>\n\n\n\n