{"id":34,"date":"2024-01-06T09:05:25","date_gmt":"2024-01-06T09:05:25","guid":{"rendered":"https:\/\/www.mhfuysalsigorta.com\/?p=34"},"modified":"2024-01-12T09:52:46","modified_gmt":"2024-01-12T09:52:46","slug":"kasko","status":"publish","type":"post","link":"https:\/\/www.mhfuysalsigorta.com\/?p=34","title":{"rendered":"Kasko"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"34\" class=\"elementor elementor-34\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fbd7b2 e-flex e-con-boxed e-con e-parent\" data-id=\"6fbd7b2\" 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-f9676e6 elementor-widget elementor-widget-text-editor\" data-id=\"f9676e6\" 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><strong>Kasko Nedir?<\/strong><\/h5><p>Kasko sigortas\u0131 kazaya kar\u0131\u015fma, yanma, \u00e7al\u0131nma, do\u011fal afetler, ter\u00f6r olaylar\u0131nda ve poli\u00e7elerde a\u00e7\u0131klanan di\u011fer durumlara kar\u015f\u0131 sigortalanan arac\u0131 teminat alt\u0131na al\u0131yor.<\/p><p>T\u00fcrkiye\u2019deki yasal mevzuatlar gere\u011fi s\u00fcr\u00fcc\u00fclerin ara\u00e7lar\u0131yla trafi\u011fe \u00e7\u0131kabilmesi i\u00e7in zorunlu olan trafik sigortas\u0131ndan farkl\u0131 olarak kasko sigortalar\u0131, sigortal\u0131n\u0131n kendi arac\u0131nda meydana gelen zararlar\u0131n kar\u015f\u0131lanmas\u0131n\u0131 sa\u011fl\u0131yor. Zorunlu trafik sigortas\u0131nda ise herhangi bir kazaya kar\u0131\u015f\u0131lmas\u0131 durumunda kazada zarar g\u00f6ren di\u011fer ara\u00e7lar\u0131n hasarlar\u0131n\u0131 ve yine varsa di\u011fer ara\u00e7larda bulunan ki\u015filerin fiziki zararlar\u0131n\u0131 kar\u015f\u0131lamay\u0131 ama\u00e7l\u0131yor. Zorunlu trafik sigortas\u0131 ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 \u00fczere yapt\u0131r\u0131lmas\u0131 devlet taraf\u0131ndan zorunlu tutulan sigorta t\u00fcrleri aras\u0131nda yer al\u0131yor. Bunun sebebi ise trafikte ba\u015fka ara\u00e7lar\u0131n kusuru nedeniyle zarar g\u00f6ren ara\u00e7lar\u0131n zararlar\u0131n\u0131n tazmin edilmesini g\u00fcvence alt\u0131na almak. Di\u011fer bir deyi\u015fle zorunlu trafik sigortas\u0131 sayesinde kusurlu olan taraf\u0131n ekonomik olarak hasar\u0131 kar\u015f\u0131layamayacak olmas\u0131 riskine kar\u015f\u0131 sigorta teminat\u0131 sa\u011flanm\u0131\u015f oluyor.<\/p><p>Kasko sigortas\u0131nda ise sizin kendi arac\u0131n\u0131zda olu\u015fmas\u0131 muhtemel hasarlar\u0131n kar\u015f\u0131lanmas\u0131 s\u00f6z konusu. Arac\u0131n\u0131z bir kazaya kar\u0131\u015ft\u0131\u011f\u0131 zaman kasko sigortan\u0131z, poli\u00e7e kapsam\u0131nda ve limitlerinde olmak \u00fczere ortaya \u00e7\u0131kan onar\u0131m ve servis masraflar\u0131n\u0131 kar\u015f\u0131l\u0131yor. Kasko sigortas\u0131 bu \u00f6zelli\u011fi nedeniyle yapt\u0131r\u0131lmas\u0131 ara\u00e7 sahiplerinin inisiyatifine b\u0131rak\u0131lm\u0131\u015f bir sigorta t\u00fcr\u00fc. Kasko sigortas\u0131 yapt\u0131rarak ara\u00e7 sahipleri kendi ara\u00e7lar\u0131nda olu\u015fabilecek hasarlar\u0131 teminat alt\u0131na al\u0131yor.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a31369 elementor-widget elementor-widget-image\" data-id=\"3a31369\" 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=\"510\" src=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/accident-5167244_1280-768x510.jpg\" class=\"attachment-medium_large size-medium_large wp-image-84\" alt=\"\" srcset=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/accident-5167244_1280-768x510.jpg 768w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/accident-5167244_1280-300x199.jpg 300w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/accident-5167244_1280-1024x680.jpg 1024w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/accident-5167244_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-24125dd elementor-widget elementor-widget-text-editor\" data-id=\"24125dd\" 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>Kasko Ne \u0130\u015fe Yarar?<\/h5><p>Kasko sigortas\u0131 yapt\u0131rmak zorunlu olmamakla birlikte ara\u00e7 sahiplerine ekonomik anlamda b\u00fcy\u00fck kolayl\u0131klar sa\u011fl\u0131yor. Kasko sigortas\u0131 yapt\u0131rman\u0131n avantajlar\u0131 \u015f\u00f6yle s\u0131ralanabilir;<\/p><ul><li>Motorlu kara ta\u015f\u0131t\u0131, bir kazaya kar\u0131\u015farak veya park halindeyken ba\u015fka bir arac\u0131n \u00e7arpmas\u0131 nedeniyle hasara u\u011frad\u0131\u011f\u0131nda ortaya \u00e7\u0131kan servis ve tamir masraflar\u0131n\u0131 kasko sigortas\u0131 kar\u015f\u0131l\u0131yor. Ara\u00e7 sahipleri kasko sigortas\u0131na uygun prim \u00f6demeleri yaparak ileride ortaya \u00e7\u0131kabilecek b\u00fcy\u00fck masraflara kar\u015f\u0131 kendisini g\u00fcvence alt\u0131na alm\u0131\u015f oluyor.<\/li><li>Kasko sigortas\u0131 yapt\u0131rd\u0131\u011f\u0131n\u0131zda arac\u0131n\u0131z\u0131n hasar g\u00f6rmesi durumunda Sigorta\u2019n\u0131z\u0131n anla\u015fmal\u0131 oldu\u011fu servis noktalar\u0131n\u0131 tercih edebiliyorsunuz. Tamir i\u00e7in hangi servis noktas\u0131na gidece\u011finiz konusunda bir ara\u015ft\u0131rma yapman\u0131za gerek kalm\u0131yor.<\/li><li>Kasko sigortas\u0131na ihtiyari mali mesuliyet sigortas\u0131 teminat\u0131 eklenebiliyor. \u0130htiyari mali mesuliyet sigortas\u0131 t\u0131pk\u0131 zorunlu trafik sigortas\u0131 gibi trafikte di\u011fer ara\u00e7lara ve ki\u015filere verdi\u011finiz zararlar\u0131 kar\u015f\u0131lamay\u0131 ama\u00e7l\u0131yor. Her arac\u0131n zorunlu trafik sigortas\u0131 yapt\u0131rma zorunlulu\u011fu olmakla birlikte, ihtiyari mali mesuliyet sigortas\u0131 teminat\u0131 bak\u0131m\u0131ndan b\u00f6yle bir zorunluluk yok. Bununla birlikte zorunlu trafik sigortas\u0131n\u0131n limitleri \u00f6zellikle b\u00fcy\u00fck \u00e7apl\u0131 trafik kazalar\u0131nda ortaya \u00e7\u0131kan hasar\u0131n tamam\u0131n\u0131 kar\u015f\u0131layamayabiliyor. Kar\u015f\u0131 taraf\u0131n zorunlu trafik sigortan\u0131z taraf\u0131ndan kar\u015f\u0131lanmayan hasarlar\u0131n\u0131 ve tedavi masraflar\u0131n\u0131 kazaya kar\u0131\u015fan ara\u00e7 sahibi olarak sizin \u00f6demeniz gerekiyor. \u0130htiyari mali mesuliyet sigortas\u0131 bu noktada devreye girerek zorunlu trafik sigortas\u0131 taraf\u0131ndan \u00f6denmeyen hasarlar\u0131 ve tedavi masraflar\u0131n\u0131 sizin yerinize kar\u015f\u0131l\u0131yor.<\/li><li>Kasko sigortas\u0131 poli\u00e7enizde a\u00e7\u0131k\u00e7a belirtilmi\u015f olmas\u0131 ko\u015fuluyla ikame ara\u00e7 hizmetinden faydalanabiliyorsunuz. Arac\u0131n\u0131z\u0131n tamir i\u015flemleri i\u00e7in serviste kalmas\u0131 gereken s\u00fcre boyunca kasko sigortas\u0131 size ikame bir ara\u00e7 sa\u011fl\u0131yor. B\u00f6ylece arac\u0131n\u0131z\u0131 kullanamad\u0131\u011f\u0131n\u0131z d\u00f6nemde herhangi bir ma\u011fduriyet ya\u015famam\u0131\u015f oluyorsunuz.<\/li><li>Kasko poli\u00e7enize \u00e7ekici hizmetinin de eklenmesini talep etme imk\u00e2n\u0131n\u0131z var. Yolda kalma veya kaza durumlar\u0131nda arac\u0131n bulundu\u011fu yerden \u00e7ekilmesi i\u00e7in \u00e7ekici bulman\u0131z gerekiyor. \u00c7ekici hizmeti ise elbette ki \u00fccretli. Kasko sigortan\u0131z\u0131n teminatlar\u0131 aras\u0131nda yer al\u0131yor olmas\u0131 ko\u015fuluyla \u00e7ekici hizmetinden faydalanabiliyorsunuz. B\u00f6ylece arac\u0131n\u0131z\u0131n \u00e7ekilmesi i\u00e7in \u00e7ekici aramakla vakit kaybetmiyor, do\u011frudan sigorta firmas\u0131 ile ileti\u015fime ge\u00e7erek arac\u0131n\u0131z\u0131 ald\u0131rabiliyorsunuz.<\/li><\/ul><h5>Kasko Neleri Kapsar?<\/h5><p>Kasko sigortas\u0131 yapt\u0131r\u0131lmas\u0131 iste\u011fe ba\u011fl\u0131 olan sigorta \u00e7e\u015fitlerinden biri olmas\u0131ndan dolay\u0131 poli\u00e7e kapsam\u0131 taraflarca serbest\u00e7e belirlenebiliyor. Bununla birlikte kasko poli\u00e7eleri standart olarak kaza, yanma ve \u00e7al\u0131nma teminatlar\u0131n\u0131 sunuyor. Herhangi bir kazaya kar\u0131\u015fma veya park halindeyken ba\u015fka bir arac\u0131n \u00e7arpmas\u0131 durumunda meydana gelen hasarlar kasko sigortas\u0131 taraf\u0131ndan kar\u015f\u0131lan\u0131yor. Ayn\u0131 \u015fekilde yang\u0131n nedeniyle arac\u0131n kullan\u0131lamaz hale gelmesi durumunda yine kasko sigortas\u0131 devreye giriyor. Arac\u0131n \u00e7al\u0131nmas\u0131 da kasko sigortas\u0131n\u0131n standart teminatlar\u0131 aras\u0131nda yer al\u0131yor.<\/p><p>Kasko poli\u00e7esine yukar\u0131da say\u0131lan standart teminatlara ek olarak ba\u015fka g\u00fcvenceler de eklenebiliyor. \u00c7ekici ve ikame ara\u00e7 hizmeti gibi teminatlar poli\u00e7e kapsam\u0131na dahil edilebiliyor. Do\u011fal afetler nedeniyle ara\u00e7ta olu\u015fabilecek zararlar da yine poli\u00e7e kapsam\u0131nda teminat alt\u0131na al\u0131nabiliyor.<\/p><p>Ayr\u0131ca kasko sigortas\u0131 poli\u00e7eleri, baz\u0131 risklere kar\u015f\u0131 \u00f6zelle\u015ftirilerek ya da ilave teminatlar ile desteklenerek farkl\u0131 avantajlar da sunabiliyor. \u00d6rne\u011fin onar\u0131m teminatlar\u0131n\u0131n kapsam\u0131 ve limitleri \u00fczerinden yap\u0131lan de\u011fi\u015fiklikler sayesinde ihtiyac\u0131n\u0131za uygun kasko sigorta planlar\u0131n\u0131 se\u00e7me ve buna uygun prim \u00f6deme avantaj\u0131ndan faydalanabilirsiniz.\u00a0Arac\u0131n\u0131zda fabrika \u00e7\u0131k\u0131\u015f\u0131 \u00f6zelliklerinin d\u0131\u015f\u0131nda bulunan aksesuarlar\u0131 (ses ve g\u00f6r\u00fcnt\u00fc cihazlar\u0131 vb.) kasko poli\u00e7enize eklenmesi talebinde bulunabilir ve bu cihazlar\u0131n\u0131z\u0131 da teminat alt\u0131na alabilirsiniz.<\/p><h5><strong>Kasko Hangi Durumlarda \u00d6deme Yapmaz?<\/strong><\/h5><p>Kasko sigortas\u0131 a\u015fa\u011f\u0131da say\u0131lan hallerden birinin varl\u0131\u011f\u0131 halinde arac\u0131n\u0131zda olu\u015fan hasarlar\u0131 kar\u015f\u0131lam\u0131yor:<\/p><ul><li>Yasak madde kullan\u0131m\u0131 sonucunda meydana gelen kazalar<\/li><li>Alkoll\u00fc ara\u00e7 kullan\u0131m\u0131 nedeniyle ya\u015fanan kazalar<\/li><li>Arac\u0131n trafik g\u00f6revlileri haricinde yetkili olmayan ki\u015filerce \u00e7ekilmesi<\/li><li>N\u00fckleer sava\u015f, n\u00fckleer kazalar ve n\u00fckleer yak\u0131tlar\u0131n yanmas\u0131 gibi durumlar<\/li><li>Ara\u00e7 sahibinin arac\u0131n rutin bak\u0131m\u0131yla ilgili olarak ihmalinin bulunmas\u0131 nedeniyle ortaya \u00e7\u0131kan kazalar<\/li><li>Arac\u0131n ruhsat\u0131nda belirtilen kapasitesini a\u015fan miktarda y\u00fck veya yolcu ta\u015f\u0131mas\u0131<\/li><li>Herhangi bir kaza olmaks\u0131z\u0131n arac\u0131n mekanik veya elektronik aksam\u0131nda olu\u015fan hasarlar<\/li><li>Ara\u00e7 s\u00fcr\u00fcc\u00fcs\u00fcn\u00fcn kaza sonras\u0131 kaza yerini terk etmesi durumu. S\u00fcr\u00fcc\u00fcn\u00fcn yaralanma nedeniyle t\u0131bbi m\u00fcdahale i\u00e7in olay yerinden ayr\u0131lmas\u0131 durumu istisna oluyor.<\/li><li>Sava\u015f, ihtilal, ayaklanma gibi toplumsal olaylar ve bu olaylar s\u0131ras\u0131nda kolluk kuvvetlerinin m\u00fcdahalesi s\u0131ras\u0131nda meydana gelen hasarlar<\/li><li>Ara\u00e7 sahibinin araca bilerek ve isteyerek zarar vermesi veya ba\u015fkas\u0131n\u0131 bu konuda y\u00f6nlendirmesi<\/li><\/ul>\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>Kasko Nedir? Kasko sigortas\u0131 kazaya kar\u0131\u015fma, yanma, \u00e7al\u0131nma, do\u011fal afetler, ter\u00f6r olaylar\u0131nda ve poli\u00e7elerde a\u00e7\u0131klanan di\u011fer durumlara kar\u015f\u0131 sigortalanan arac\u0131 teminat alt\u0131na al\u0131yor. T\u00fcrkiye\u2019deki yasal mevzuatlar gere\u011fi s\u00fcr\u00fcc\u00fclerin ara\u00e7lar\u0131yla trafi\u011fe \u00e7\u0131kabilmesi i\u00e7in zorunlu olan trafik sigortas\u0131ndan farkl\u0131 olarak kasko sigortalar\u0131, sigortal\u0131n\u0131n kendi arac\u0131nda meydana gelen zararlar\u0131n kar\u015f\u0131lanmas\u0131n\u0131 sa\u011fl\u0131yor. Zorunlu trafik sigortas\u0131nda ise herhangi bir kazaya [&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-34","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>Kasko -<\/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=34\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kasko -\" \/>\n<meta property=\"og:description\" content=\"Kasko Nedir? Kasko sigortas\u0131 kazaya kar\u0131\u015fma, yanma, \u00e7al\u0131nma, do\u011fal afetler, ter\u00f6r olaylar\u0131nda ve poli\u00e7elerde a\u00e7\u0131klanan di\u011fer durumlara kar\u015f\u0131 sigortalanan arac\u0131 teminat alt\u0131na al\u0131yor. T\u00fcrkiye\u2019deki yasal mevzuatlar gere\u011fi s\u00fcr\u00fcc\u00fclerin ara\u00e7lar\u0131yla trafi\u011fe \u00e7\u0131kabilmesi i\u00e7in zorunlu olan trafik sigortas\u0131ndan farkl\u0131 olarak kasko sigortalar\u0131, sigortal\u0131n\u0131n kendi arac\u0131nda meydana gelen zararlar\u0131n kar\u015f\u0131lanmas\u0131n\u0131 sa\u011fl\u0131yor. 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