<\/p>\n\n\n\n
Sigortal\u0131lar\u0131m\u0131z\u0131n en \u00e7ok \u00fczerinde durdu\u011fu konulardan birisi de kasko poli\u00e7elerindeki hasars\u0131zl\u0131k indirimidir. \u00c7\u00fcnk\u00fc hasars\u0131zl\u0131k indirimi, kasko poli\u00e7enizin primini % 65\u2032e varan oranlarda azaltan \u00f6nemli bir indirimdir ve sizin tasarruf etmenizi sa\u011flar\u2026Kasko poli\u00e7enizi al\u0131rken hasars\u0131zl\u0131k indirimini etkileyen halleri g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131s\u0131n\u0131z. \u00c7\u00fcnk\u00fc, bu indirimi etkileyen durumlar sigorta \u015firketlerine g\u00f6re \u00e7ok farkl\u0131l\u0131k g\u00f6sterir ve bir sonraki y\u0131l poli\u00e7e yenilemesinde y\u00fcksek oranlarda prim farkl\u0131l\u0131klar\u0131na sebep olur. Bu y\u00fczden hasars\u0131zl\u0131\u011f\u0131 bozmayan halleri bilmek sigorta al\u0131m\u0131nda \u00f6nemlidir. <\/p>\n\n\n\n
En \u00e7ok kar\u015f\u0131la\u015f\u0131lan hasarlara g\u00f6re, hasars\u0131zl\u0131\u011f\u0131 bozmayan haller genel olarak a\u015fa\u011f\u0131daki gibidir:%100 r\u00fccu durumu: T\u00fcm sigorta \u015firketleri i\u00e7in ge\u00e7erli ve hasars\u0131zl\u0131\u011f\u0131 bozmayan tek durum % 100 r\u00fcculu hasarlard\u0131r. %100 r\u00fcculu hasarlar, sigortal\u0131 arac\u0131n kar\u0131\u015ft\u0131\u011f\u0131 kazada s\u00fcr\u00fcc\u00fcs\u00fcn\u00fcn hi\u00e7bir kusurunun bulunmad\u0131\u011f\u0131 yani kar\u015f\u0131 taraf\u0131n tamamen kusurlu oldu\u011fu hasarlard\u0131r. Bu t\u00fcr hasarlarda sigortal\u0131 sigorta \u015firketinden hem hasar tazminat\u0131n\u0131 al\u0131r, hem de poli\u00e7esinden do\u011fan indirim hakk\u0131 etkilenmez. <\/p>\n\n\n\n
Ancak sigortal\u0131n\u0131n, kusursuz oldu\u011funu zab\u0131t veya tutanak gibi resmi bir evrakla belgelenmelidir ve kazaya sebep olan taraf\u0131n tespit edilmesi gereklidir.Radyo, Teyp \u00e7al\u0131nmas\u0131 ve cam k\u0131r\u0131lmas\u0131 hasarlar\u0131: Baz\u0131 sigorta \u015firketleri poli\u00e7e vadesi i\u00e7inde ger\u00e7ekle\u015fen Radyo, Teyp \u00e7al\u0131nmas\u0131 ve cam k\u0131r\u0131lmas\u0131 hasarlar\u0131n\u0131 y\u0131lda bir kereye mahsus olmak \u00fczere hasars\u0131zl\u0131k indirimini koruyarak kar\u015f\u0131lar. Bu durumda, sigortal\u0131n\u0131n poli\u00e7edeki hasars\u0131zl\u0131k indirimi bu hasardan dolay\u0131 etkilenmez. Baz\u0131 \u015firketlerde ise b\u00f6yle bir uygulama olmay\u0131p, radyo-teyp \u00e7al\u0131nmas\u0131 ve cam k\u0131r\u0131lmas\u0131 hasarlar\u0131 nedeniyle hasars\u0131zl\u0131k durumu bozulur ve poli\u00e7e yenileme d\u00f6neminde sigortal\u0131n\u0131n hasars\u0131zl\u0131k indirimi azalabilir veya tamamen ortadan kalkabilir.<\/p>\n\n\n\n
K\u00fc\u00e7\u00fck hasarlar: Baz\u0131 sigorta \u015firketleri arac\u0131n d\u0131\u015f ve i\u00e7 y\u00fczeylerinde meydana gelen s\u0131yr\u0131k, \u00e7izik ve vuruk gibi hasarlar\u0131 hasars\u0131zl\u0131k indirimini koruyarak kar\u015f\u0131lar. Ancak bu uygulama sadece baz\u0131 sigorta \u015firketlerinde ge\u00e7erlidir. Kimi sigorta \u015firketleri mini hasar teminat\u0131 ile bu tip hasarlar\u0131n poli\u00e7e ya da eklerinde yaz\u0131l\u0131 \u015fartlar ve limitlerle kar\u015f\u0131lanmas\u0131n\u0131 sa\u011flamakta ve bu teminattan yararlanan m\u00fc\u015fterilerinin hasars\u0131zl\u0131k indirimini bu sayede koruma alt\u0131na almaktad\u0131r. Genel olarak yukar\u0131da bahsetmi\u015f oldu\u011fumuz hasar t\u00fcrlerinin d\u0131\u015f\u0131ndaki t\u00fcm hasarlar, poli\u00e7enin hasars\u0131zl\u0131k indirimini bozmakta ve poli\u00e7enin hasars\u0131zl\u0131k indirim oran\u0131n\u0131 d\u00fc\u015f\u00fcrmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"
Sigortal\u0131lar\u0131m\u0131z\u0131n en \u00e7ok \u00fczerinde durdu\u011fu konulardan birisi de kasko poli\u00e7elerindeki hasars\u0131zl\u0131k indirimidir. \u00c7\u00fcnk\u00fc hasars\u0131zl\u0131k indirimi, kasko poli\u00e7enizin primini % 65\u2032e varan oranlarda azaltan \u00f6nemli bir indirimdir ve sizin tasarruf etmenizi sa\u011flar\u2026Kasko poli\u00e7enizi al\u0131rken hasars\u0131zl\u0131k indirimini etkileyen halleri g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131s\u0131n\u0131z. \u00c7\u00fcnk\u00fc, bu indirimi etkileyen durumlar sigorta \u015firketlerine g\u00f6re \u00e7ok farkl\u0131l\u0131k g\u00f6sterir ve bir sonraki y\u0131l […]<\/p>\n","protected":false},"author":1,"featured_media":112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haberler"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=111"}],"version-history":[{"count":1,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/111\/revisions"}],"predecessor-version":[{"id":113,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/111\/revisions\/113"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=\/wp\/v2\/media\/112"}],"wp:attachment":[{"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tmgsigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}