Sigortadan hasar tazminat\u0131n\u0131n al\u0131nmas\u0131, ad\u0131mlar\u0131 belli olan bir s\u00fcre\u00e7tir. Hatalar \u00e7o\u011funlukla en ba\u015fta yap\u0131l\u0131r, sonu\u00e7lar\u0131 ise en sonda, teklif edilen tutar ger\u00e7ek onar\u0131m masraf\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131nda g\u00f6r\u00fcl\u00fcr.<\/p>\n
Her \u015feyden \u00f6nce kimin \u00f6deyece\u011finin net olmas\u0131 gerekir. \u0130ki temel yol vard\u0131r:<\/p>\n
Bu iki yolun s\u00fcreleri, gerekli belgeleri ve hesaplama bi\u00e7imi farkl\u0131d\u0131r. Hasar\u0131 ihbar etmeden \u00f6nce poli\u00e7enizi okuyun.<\/p>\n
Yaz\u0131n\u0131n en \u00f6nemli b\u00f6l\u00fcm\u00fc buras\u0131. Teklif edilen tutar birka\u00e7 nedenle ger\u00e7ek masraf\u0131n alt\u0131nda kalabiliyor:<\/p>\n
B\u00fct\u00fcn bu durumlarda ba\u011f\u0131ms\u0131z hasar tespiti<\/a> talep etme hakk\u0131n\u0131z vard\u0131r. Ba\u011f\u0131ms\u0131z eksperin raporu, itiraz i\u00e7in, \u015firketle pazarl\u0131k i\u00e7in ve i\u015f oraya var\u0131rsa dava s\u00fcreci i\u00e7in dayanak olu\u015fturur.<\/p>\n Pert durumunda arac\u0131n hangi de\u011fer \u00fczerinden hesapland\u0131\u011f\u0131 da kritiktir. Ara\u00e7 de\u011ferinin nas\u0131l belirlendi\u011fini ve katalog de\u011ferinin<\/a> ne oldu\u011funu ayr\u0131 bir yaz\u0131da ele ald\u0131k.<\/p>\n Trafik sigortas\u0131 kapsam\u0131ndaki tazminatlarda uygulamada, de\u011fi\u015fen par\u00e7alar i\u00e7in s\u0131k s\u0131k amortisman indirimi uygulan\u0131r. Buradaki mant\u0131k, daha eski bir araca yeni par\u00e7a tak\u0131lmas\u0131yla ara\u00e7 sahibinin elindekinden daha de\u011ferli bir \u015fey elde etmesidir.<\/p>\n Sorun, indirimin hakl\u0131 olmad\u0131\u011f\u0131 par\u00e7alara uygulanmas\u0131 ya da oran\u0131n arac\u0131n o ya\u015f\u0131 ve durumu i\u00e7in al\u0131\u015f\u0131lm\u0131\u015f\u0131n \u00fczerinde olmas\u0131 halinde ba\u015flar. Bu, ba\u011f\u0131ms\u0131z raporun fark\u0131 en s\u0131k ortaya koydu\u011fu kalemlerden biridir.<\/p>\n Pert, ara\u00e7 a\u011f\u0131r hasarl\u0131 g\u00f6r\u00fcnd\u00fc\u011f\u00fc i\u00e7in de\u011fil, onar\u0131m masraf\u0131 ara\u00e7 de\u011ferine g\u00f6re belirli bir oran\u0131 a\u015ft\u0131\u011f\u0131 i\u00e7in ilan edilir. Bu nedenle pert durumunda ara\u00e7 de\u011feri en az hasar tespiti kadar \u00f6nemlidir<\/strong>.<\/p>\n Arac\u0131n\u0131z\u0131n de\u011feri oldu\u011fundan d\u00fc\u015f\u00fck belirlenmi\u015fse pert daha \u00e7abuk ilan edilir ve daha az tutar al\u0131rs\u0131n\u0131z. De\u011ferin nas\u0131l belirlendi\u011fini ara\u00e7 katalog de\u011feri<\/a> yaz\u0131m\u0131zda anlatt\u0131k.<\/p>\n \u00d6nemli bir hasar alm\u0131\u015f ara\u00e7, onar\u0131m kaliteli yap\u0131lm\u0131\u015f olsa bile piyasada daha az eder. Bu fark ger\u00e7ek bir zarard\u0131r ve talep edilebilir, ancak kendili\u011finden hesaba kat\u0131ld\u0131\u011f\u0131 nadirdir. Arac\u0131n olay \u00f6ncesi ve sonras\u0131 de\u011ferleri kar\u015f\u0131la\u015ft\u0131r\u0131larak ayr\u0131ca belirlenir.<\/p>\n Hasar, zarar g\u00f6rene \u00f6dendi\u011fi halde sorumlu s\u00fcr\u00fcc\u00fcn\u00fcn teminat hakk\u0131n\u0131 kaybetmesine yol a\u00e7an ko\u015fullar varsa \u015firket, \u00f6dedi\u011fi tutar\u0131n iadesini ondan talep edebilir. Bu t\u00fcr s\u00fcre\u00e7lerde hem hasar\u0131n tutar\u0131 hem de olay\u0131n olu\u015f \u015fekli s\u0131k s\u0131k tart\u0131\u015f\u0131l\u0131r, bu nedenle ba\u011f\u0131ms\u0131z rapor kendisinden r\u00fccu talep edilen taraf i\u00e7in de yararl\u0131d\u0131r.<\/p>\n Talebin i\u015fleme al\u0131nmas\u0131na ili\u015fkin s\u00fcreler mevzuatta ve sigorta \u015fartlar\u0131nda d\u00fczenlenmi\u015ftir. Yaz\u0131\u015fmalar\u0131n\u0131z\u0131 yaz\u0131l\u0131 y\u00fcr\u00fct\u00fcn ve her belgenin teslim edildi\u011fine dair kan\u0131t\u0131 saklay\u0131n. S\u00f6zl\u00fc anla\u015fmalar\u0131 sonradan kimse do\u011frulayamaz.<\/p>\n Filolarda kay\u0131p yaln\u0131zca hasar tutar\u0131yla \u00f6l\u00e7\u00fclmez, arac\u0131n kullan\u0131m d\u0131\u015f\u0131 kald\u0131\u011f\u0131 s\u00fcreyle de \u00f6l\u00e7\u00fcl\u00fcr. Bu nedenle ihbardan arac\u0131n filoya d\u00f6nmesine kadar t\u00fcm s\u00fcreci filo destek hizmetleri<\/a> kapsam\u0131nda \u00fcstleniyoruz.<\/p>\nPar\u00e7a amortisman\u0131, en tart\u0131\u015fmal\u0131 kalem<\/h2>\n
Hasar ne zaman pert ilan edilir<\/h2>\n
Onar\u0131m sonras\u0131 de\u011fer kayb\u0131<\/h2>\n
R\u00fccu, sigortan\u0131n paray\u0131 geri istemesi<\/h2>\n
S\u00fcreler ve sab\u0131r<\/h2>\n
Filosu olan bir \u015firketseniz<\/h2>\n