{"id":22,"date":"2024-01-06T09:01:57","date_gmt":"2024-01-06T09:01:57","guid":{"rendered":"https:\/\/www.mhfuysalsigorta.com\/?p=22"},"modified":"2024-01-12T09:52:48","modified_gmt":"2024-01-12T09:52:48","slug":"elementor-22","status":"publish","type":"post","link":"https:\/\/www.mhfuysalsigorta.com\/?p=22","title":{"rendered":"\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22\" class=\"elementor elementor-22\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-962311b e-con-full e-flex e-con e-parent\" data-id=\"962311b\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0df5973 elementor-widget elementor-widget-text-editor\" data-id=\"0df5973\" 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 - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;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<h5 class=\"MsoNormal\" style=\"margin-bottom: 11.25pt; line-height: normal; mso-outline-level: 2; background: white;\"><b><span style=\"font-size: 18.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: TR;\">\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir?<\/span><\/b><\/h5><p class=\"MsoNormal\" style=\"margin-bottom: 22.5pt; line-height: normal; background: white;\"><span style=\"font-size: 15.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: TR;\">Trafikte g\u00f6rd\u00fc\u011f\u00fcm\u00fcz istisnas\u0131z t\u00fcm ara\u00e7lar\u0131n belli ko\u015fullar ve limitler dahilinde de olsa zorunlu trafik sigortas\u0131<b><\/b>\u00a0bulunur. Ancak kimi kazalarda ne yaz\u0131k ki kar\u015f\u0131daki ki\u015finin u\u011frad\u0131\u011f\u0131 zarar\u0131n bedeli, var olan limitleri a\u015fabilir. Bu tip senaryolarda \u0130MM Sigortas\u0131 devreye girer. Bu avantajl\u0131 sigorta sayesinde zarar\u0131n olduk\u00e7a y\u00fcksek oldu\u011fu durumlarda hasar kayd\u0131, \u015fah\u0131slardan ziyade do\u011frudan \u015firketlerce \u00f6denir. Herhangi bir zorunluluk olmadan ve ki\u015finin iste\u011fi do\u011frultusunda yap\u0131lan \u0130MM Sigortas\u0131, kasko poli\u00e7esine eklenebilir.\u00a0\u00a0<\/span><\/p><p class=\"MsoNormal\" style=\"margin-bottom: 22.5pt; line-height: normal; background: white;\"><span style=\"font-size: 15.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: TR;\">\u00d6nemli bir koruma sa\u011flayan bu etkili sigorta \u00fcr\u00fcn\u00fc, sadece \u00fclkemiz s\u0131n\u0131rlar\u0131 i\u00e7erisindeki kazalarda ge\u00e7erlidir. \u0130MM, maddi ve manevi tazminatlar\u0131 bar\u0131nd\u0131rmas\u0131ndan dolay\u0131 bireylerin kendilerini \u00e7ok daha g\u00fcvende hissetmelerine zemin haz\u0131rlar. Var olan g\u00fcvencelerin yan\u0131nda ek bir teminat olarak sunulabilen \u0130htiyari Mali Mesuliyet Sigortas\u0131, trafik sigortas\u0131n\u0131n yetersiz kald\u0131\u011f\u0131 b\u00f6l\u00fcmlerde b\u00fcy\u00fck bir ayr\u0131cal\u0131k sa\u011flar.\u00a0 Motorlu kara ta\u015f\u0131tlar\u0131 i\u00e7in b\u00fcy\u00fck bir \u00f6neme sahip olan \u0130MM, kar\u015f\u0131la\u015fabilece\u011fi maddi talepler kar\u015f\u0131s\u0131nda sigortal\u0131 ki\u015fiyi koruma alt\u0131na al\u0131r.\u00a0<\/span><\/p><p class=\"MsoNormal\" style=\"margin-bottom: 22.5pt; line-height: normal; background: white;\"><span style=\"font-size: 15.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-fareast-language: TR;\">Bilindi\u011fi \u00fczere b\u00fcy\u00fck kazalarda trafik sigortas\u0131 taraf\u0131ndan sunulan tavan bedel, genellikle ortaya \u00e7\u0131kan hasar\u0131 kar\u015f\u0131layacak d\u00fczeyde de\u011fildir. Kalan hasar\u0131n \u00f6denmesi noktas\u0131nda \u0130htiyari Mali Mesuliyet Sigortas\u0131 hayati bir role sahiptir. Manevi tazminat talepleri ile beraber sa\u011fl\u0131k \u00f6demelerini de kapsamas\u0131ndan dolay\u0131 son d\u00f6nemde bu sigorta t\u00fcr\u00fcne b\u00fcy\u00fck bir ilgi olu\u015fmu\u015ftur.<\/span><\/p><p class=\"MsoNormal\">\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a5c34f e-flex e-con-boxed e-con e-parent\" data-id=\"2a5c34f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99c8148 elementor-widget elementor-widget-image\" data-id=\"99c8148\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/highway-3392100_1280-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-94\" alt=\"\" srcset=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/highway-3392100_1280-768x512.jpg 768w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/highway-3392100_1280-300x200.jpg 300w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/highway-3392100_1280-1024x682.jpg 1024w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/highway-3392100_1280.jpg 1280w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f03be8 elementor-widget elementor-widget-text-editor\" data-id=\"1f03be8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5><strong>Limitli ve Limitsiz \u0130htiyari Mali Mesuliyetin Farklar\u0131 Nelerdir?<\/strong><\/h5><p>\u0130htiyari Mali Mesuliyet Sigortas\u0131\u2019n\u0131n temel 2 t\u00fcr\u00fc olan limitli ve limitsiz se\u00e7ene\u011fi aras\u0131nda prim maliyetleri, kapsam, risk tolerans\u0131 ya da koruma s\u00fcresi gibi noktalarda belli farklardan s\u00f6z etmek m\u00fcmk\u00fcnd\u00fcr. Teminat \u00f6zelinde belli bir limit belirlenmi\u015fse, kar\u015f\u0131 taraf\u0131n zarar\u0131 ancak o limit dahilinde kar\u015f\u0131lanabilir. Fakat limitsiz \u0130MM teminatlar\u0131nda, ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 \u00fczere herhangi bir limite tak\u0131lmadan \u015firket \u00f6demeyi ger\u00e7ekle\u015ftirir.\u00a0<\/p><h5><strong>\u0130MM Kapsam\u0131 D\u0131\u015f\u0131nda Kalan Durumlar<\/strong><\/h5><p>\u0130htiyari Mali Mesuliyet (\u0130MM) Sigortas\u0131\u2019n\u0131n kar\u015f\u0131layamad\u0131\u011f\u0131 ya da kapsam\u0131na dahil etmedi\u011fi baz\u0131 \u00f6zel durumlar s\u00f6z konusudur. T\u00fcm olumsuz senaryolarda, elbette sorgusuz sualsiz bir \u00f6deme s\u00fcreci olu\u015famaz. Kaza neticesinde sigortal\u0131 olan ki\u015finin do\u011frudan u\u011frad\u0131\u011f\u0131 zarar, s\u00f6z konusu ara\u00e7la ta\u015f\u0131nan mallarda ortaya \u00e7\u0131kan zarar ya da sigortal\u0131 arac\u0131n kat\u0131l\u0131m g\u00f6sterdi\u011fi yar\u0131\u015flarda\/m\u00fcsabakalarda u\u011frad\u0131\u011f\u0131 her t\u00fcrl\u00fc zarar; \u0130MM kapsam\u0131 d\u0131\u015f\u0131nda kalan durumlara \u00f6rnek olarak g\u00f6sterilebilir.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir? Trafikte g\u00f6rd\u00fc\u011f\u00fcm\u00fcz istisnas\u0131z t\u00fcm ara\u00e7lar\u0131n belli ko\u015fullar ve limitler dahilinde de olsa zorunlu trafik sigortas\u0131\u00a0bulunur. Ancak kimi kazalarda ne yaz\u0131k ki kar\u015f\u0131daki ki\u015finin u\u011frad\u0131\u011f\u0131 zarar\u0131n bedeli, var olan limitleri a\u015fabilir. Bu tip senaryolarda \u0130MM Sigortas\u0131 devreye girer. Bu avantajl\u0131 sigorta sayesinde zarar\u0131n olduk\u00e7a y\u00fcksek oldu\u011fu durumlarda hasar kayd\u0131, \u015fah\u0131slardan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir? -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mhfuysalsigorta.com\/?p=22\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir? -\" \/>\n<meta property=\"og:description\" content=\"\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM)\u00a0 Nedir? Trafikte g\u00f6rd\u00fc\u011f\u00fcm\u00fcz istisnas\u0131z t\u00fcm ara\u00e7lar\u0131n belli ko\u015fullar ve limitler dahilinde de olsa zorunlu trafik sigortas\u0131\u00a0bulunur. Ancak kimi kazalarda ne yaz\u0131k ki kar\u015f\u0131daki ki\u015finin u\u011frad\u0131\u011f\u0131 zarar\u0131n bedeli, var olan limitleri a\u015fabilir. Bu tip senaryolarda \u0130MM Sigortas\u0131 devreye girer. 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