{"id":115,"date":"2021-10-15T22:20:21","date_gmt":"2021-10-15T22:20:21","guid":{"rendered":"http:\/\/www.c-on-off.com\/?p=115"},"modified":"2025-09-06T06:14:03","modified_gmt":"2025-09-06T06:14:03","slug":"arac-kasko-policesi","status":"publish","type":"post","link":"https:\/\/www.c-on-off.com\/?p=115","title":{"rendered":"Ara\u00e7 Kasko Poli\u00e7esi"},"content":{"rendered":"\n<figure class=\"wp-block-embed aligncenter is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"CONTROL-ON-OFF 6\" width=\"563\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/_zb9_FH7IyE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ara\u00e7 Anahtar\u0131n\u0131n Ele Ge\u00e7irilmesi Suretiyle Arac\u0131n \u00c7al\u0131nmas\u0131 Hali ve Kasko&#8230;<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Kasko Sigortas\u0131<\/strong>&nbsp;yani kara ta\u015f\u0131tlar\u0131 sigortas\u0131, temelde trafikteki bir arac\u0131n u\u011frayabilece\u011fi \u00e7arpma, \u00e7arp\u0131lma, yanma ve \u00e7al\u0131nma rizikolar\u0131na kar\u015f\u0131 korunmas\u0131 i\u00e7in yapt\u0131r\u0131lan sigorta t\u00fcr\u00fcd\u00fcr. Kasko Sigortas\u0131&nbsp; kapsam\u0131n\u0131n neler oldu\u011funa, hasar an\u0131nda nelere dikkat edilmesi gerekti\u011fine dair detayl\u0131 bilgiye ara\u00e7 kasko sigortas\u0131 genel ve \u00f6zel \u015fartlar\u0131n\u0131n yaz\u0131l\u0131 oldu\u011fu klozlardan  ula\u015fabilirsiniz.&nbsp;Bu yaz\u0131m\u0131zda ise ara\u00e7 anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 durumunda zarar\u0131n kasko sigortas\u0131ndan kar\u015f\u0131lan\u0131p kar\u015f\u0131lanamayaca\u011f\u0131n\u0131 anlataca\u011f\u0131z.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kasko Sigortas\u0131 Genel \u015eartlar\u0131<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Kasko bir sigorta s\u00f6zle\u015fmesi t\u00fcr\u00fc&nbsp;temelde trafikteki bir arac\u0131n, u\u011frayabilece\u011fi \u00e7arpma, \u00e7arp\u0131lma, yanma ve \u00e7al\u0131nma rizikolar\u0131na kar\u015f\u0131 korunmas\u0131 i\u00e7in yapt\u0131r\u0131lan sigorta t\u00fcr\u00fcd\u00fcr. Sigortan\u0131n kapsam\u0131na hangi hallerin girdi\u011fi ve hangi hallerin girmeyece\u011fi temel hatlar\u0131yla Hazine M\u00fcste\u015farl\u0131\u011f\u0131\u2019n\u0131n&nbsp;<a href=\"https:\/\/tsb.org.tr\/media\/attachments\/Kara_Araclar%C4%B1_Kasko_Sigortas%C4%B1_Genel_Sartlar%C4%B1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Kasko Sigortas\u0131 Genel \u015eartlar\u0131nda&nbsp;<\/a>yaz\u0131lmaktad\u0131r. Yani Kasko Sigortas\u0131 Genel \u015eartlar\u0131na bakarak kasko sigortas\u0131n\u0131n hangi halleri kapsay\u0131p hangi halleri kapsamad\u0131\u011f\u0131n\u0131 genel hatlar\u0131yla kolayca \u00f6\u011frenebiliriz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kasko Sigorta Poli\u00e7esi<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Ancak baz\u0131 hasar durumlar\u0131 genel \u015fartlarda yaz\u0131lmay\u0131p sigorta poli\u00e7esinde yer alabilmektedir.&nbsp; Anahtar\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 halinde hasar\u0131n kasko sigortas\u0131 kapsam\u0131nda olup olmayaca\u011f\u0131n\u0131 \u00f6\u011frenmek i\u00e7in&nbsp;Kasko Sigortas\u0131 Genel \u015eartlar\u0131na bakt\u0131\u011f\u0131m\u0131zda bu halin \u201cA.4. Ek S\u00f6zle\u015fme ile Teminat Kapsam\u0131na Dahil Edilebilecek Zararlar\u201d ba\u015fl\u0131\u011f\u0131 alt\u0131nda d\u00fczenlendi\u011fini g\u00f6rmekteyiz. <\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Yani arac\u0131n anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 hali, Kasko Sigortas\u0131 Genel \u015eartlar\u0131\u2019nda teminat d\u0131\u015f\u0131 b\u0131rak\u0131lm\u0131\u015ft\u0131r&#8230; <\/strong>Ancak, poli\u00e7ede bu durumun aksinin kararla\u015ft\u0131r\u0131labilece\u011fi belirtilmi\u015ftir. Lakin uygulamada hemen hemen b\u00fct\u00fcn sigorta \u015firketlerinin kasko poli\u00e7elerinde anahtar\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131n\u0131n baz\u0131 durumlarda kasko kapsam\u0131nda oldu\u011fu yaz\u0131lmaktad\u0131r. Her sigorta \u015firketinin poli\u00e7esinde hangi hallerin teminat kapsam\u0131nda hangi hallerin teminat haricinde oldu\u011fu farkl\u0131 farkl\u0131 yaz\u0131l\u0131 olsa da genel kaide \u015fu \u015fekildedir:<\/p>\n\n\n\n<p class=\"has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-0b256342eb75cc73101ddb25fb098671\"><strong>Teminat Harici Haller<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ara\u00e7 anahtar\u0131n\u0131n arac\u0131n \u00fczerinde unutulmas\u0131 durumunda meydana gelen h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Ara\u00e7 anahtar\u0131n\u0131n r\u0131zaen b\u0131rak\u0131ld\u0131\u011f\u0131 \u00fc\u00e7\u00fcnc\u00fc bir ki\u015fi (oto servisi, oto y\u0131kamac\u0131, arac\u0131 emanet alan e\u015f-dost vb) taraf\u0131ndan arac\u0131n \u00e7al\u0131nmas\u0131 suretiyle meydana gelen h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Zor kullanmadan anahtar\u0131n evden\/i\u015fyerinden \u00e7al\u0131nmas\u0131 suretiyle meydana gelen h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Ara\u00e7 anahtar\u0131n\u0131n a\u00e7\u0131kta b\u0131rak\u0131lmas\u0131 suretiyle anahtar\u0131n ele ge\u00e7irilmesi suretiyle meydana gelen h\u0131rs\u0131zl\u0131k<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ara\u00e7 anahtar\u0131n\u0131n zor kullan\u0131larak ki\u015fiden al\u0131nmas\u0131 suretiyle meydana gelen ya\u011fma ve h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Ara\u00e7 sahibinin doland\u0131r\u0131lmak suretiyle meydana gelen h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Eve\/i\u015fyerine zor kullanarak, kilidi k\u0131rarak veya cam\u0131 k\u0131rarak girerek anahtar\u0131n ele ge\u00e7irilmesi suretiyle h\u0131rs\u0131zl\u0131k<\/li>\n\n\n\n<li>Eve\/i\u015fyerine t\u0131rmanarak anahtar\u0131n ele ge\u00e7irilmesi suretiyle h\u0131rs\u0131zl\u0131k<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-1f1c1d8d4d00b3e6dbeb7773a11ca2c1\"><strong>Teminat Dahilindeki Haller<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Bu hallerin tamam\u0131 sigorta \u015firketlerinin kasko poli\u00e7elerinde s\u0131kl\u0131kla g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u201cteminat i\u00e7i\u201d ve \u201cteminat d\u0131\u015f\u0131\u201d halleridir. <strong><span class=\"has-inline-color has-vivid-red-color\">T\u00fcm sigorta poli\u00e7eleri i\u00e7in genel ge\u00e7er kural de\u011fildir<\/span><\/strong>. Bu nedenle her bir sigorta poli\u00e7esini bu konuda ayr\u0131 ayr\u0131 incelemek ve buna g\u00f6re de\u011ferlendirmek gerekmektedir.<\/p>\n\n\n\n<p class=\"has-text-align-left\">T\u00fcrk Ticaret Kanunu 1409\/2 d\u00fczenlemesi,&nbsp;<em><strong>\u201cS\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclen rizikolardan herhangi birinin veya baz\u0131lar\u0131n\u0131n sigorta teminat\u0131 d\u0131\u015f\u0131nda kald\u0131\u011f\u0131n\u0131 ispat y\u00fck\u00fc sigortac\u0131ya aittir.\u201d<\/strong><\/em>&nbsp;\u015feklindedir. Buna g\u00f6re rizikonun teminat d\u0131\u015f\u0131nda oldu\u011funu ispatlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc sigorta \u015firketine y\u00fcklenmi\u015ftir. Bu kanun maddesiyle birlikte de\u011ferlendirme yapt\u0131\u011f\u0131m\u0131zda, ara\u00e7 anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle meydana gelen h\u0131rs\u0131zl\u0131k olaylar\u0131nda hasar\u0131n Kasko Sigortas\u0131 teminat\u0131 d\u0131\u015f\u0131nda oldu\u011funu sigorta \u015firketi ispatlamak zorunda olacakt\u0131r. Bu ispat\u0131 ger\u00e7ekle\u015ftiremedi\u011fi takdirde teminat sigorta kapsam\u0131nda de\u011ferlendirilecektir.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ara\u00e7 Anahtar\u0131n\u0131n Ele Ge\u00e7irilmesi Suretiyle Arac\u0131n \u00c7al\u0131nmas\u0131 Hali ve Kasko&#8230; Kasko Sigortas\u0131&nbsp;yani kara ta\u015f\u0131tlar\u0131 sigortas\u0131, temelde trafikteki bir arac\u0131n u\u011frayabilece\u011fi \u00e7arpma, \u00e7arp\u0131lma, yanma ve \u00e7al\u0131nma rizikolar\u0131na kar\u015f\u0131 korunmas\u0131 i\u00e7in yapt\u0131r\u0131lan sigorta t\u00fcr\u00fcd\u00fcr. Kasko Sigortas\u0131&nbsp; kapsam\u0131n\u0131n neler oldu\u011funa, hasar an\u0131nda nelere dikkat edilmesi gerekti\u011fine dair detayl\u0131 bilgiye ara\u00e7 kasko sigortas\u0131 genel ve \u00f6zel \u015fartlar\u0131n\u0131n yaz\u0131l\u0131 oldu\u011fu klozlardan ula\u015fabilirsiniz.&nbsp;Bu yaz\u0131m\u0131zda ise ara\u00e7 anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 durumunda zarar\u0131n kasko sigortas\u0131ndan kar\u015f\u0131lan\u0131p kar\u015f\u0131lanamayaca\u011f\u0131n\u0131 anlataca\u011f\u0131z. Kasko Sigortas\u0131 Genel \u015eartlar\u0131 Kasko bir sigorta s\u00f6zle\u015fmesi t\u00fcr\u00fc&nbsp;temelde trafikteki bir arac\u0131n, u\u011frayabilece\u011fi \u00e7arpma, \u00e7arp\u0131lma, yanma ve \u00e7al\u0131nma rizikolar\u0131na kar\u015f\u0131 korunmas\u0131 i\u00e7in yapt\u0131r\u0131lan sigorta t\u00fcr\u00fcd\u00fcr. Sigortan\u0131n kapsam\u0131na hangi hallerin girdi\u011fi ve hangi hallerin girmeyece\u011fi temel hatlar\u0131yla Hazine M\u00fcste\u015farl\u0131\u011f\u0131\u2019n\u0131n&nbsp;Kasko Sigortas\u0131 Genel \u015eartlar\u0131nda&nbsp;yaz\u0131lmaktad\u0131r. Yani Kasko Sigortas\u0131 Genel \u015eartlar\u0131na bakarak kasko sigortas\u0131n\u0131n hangi halleri kapsay\u0131p hangi halleri kapsamad\u0131\u011f\u0131n\u0131 genel hatlar\u0131yla kolayca \u00f6\u011frenebiliriz. Kasko Sigorta Poli\u00e7esi Ancak baz\u0131 hasar durumlar\u0131 genel \u015fartlarda yaz\u0131lmay\u0131p sigorta poli\u00e7esinde yer alabilmektedir.&nbsp; Anahtar\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 halinde hasar\u0131n kasko sigortas\u0131 kapsam\u0131nda olup olmayaca\u011f\u0131n\u0131 \u00f6\u011frenmek i\u00e7in&nbsp;Kasko Sigortas\u0131 Genel \u015eartlar\u0131na bakt\u0131\u011f\u0131m\u0131zda bu halin \u201cA.4. Ek S\u00f6zle\u015fme ile Teminat Kapsam\u0131na Dahil Edilebilecek Zararlar\u201d ba\u015fl\u0131\u011f\u0131 alt\u0131nda d\u00fczenlendi\u011fini g\u00f6rmekteyiz. Yani arac\u0131n anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131 hali, Kasko Sigortas\u0131 Genel \u015eartlar\u0131\u2019nda teminat d\u0131\u015f\u0131 b\u0131rak\u0131lm\u0131\u015ft\u0131r&#8230; Ancak, poli\u00e7ede bu durumun aksinin kararla\u015ft\u0131r\u0131labilece\u011fi belirtilmi\u015ftir. Lakin uygulamada hemen hemen b\u00fct\u00fcn sigorta \u015firketlerinin kasko poli\u00e7elerinde anahtar\u0131n ele ge\u00e7irilmesi suretiyle arac\u0131n \u00e7al\u0131nmas\u0131n\u0131n baz\u0131 durumlarda kasko kapsam\u0131nda oldu\u011fu yaz\u0131lmaktad\u0131r. Her sigorta \u015firketinin poli\u00e7esinde hangi hallerin teminat kapsam\u0131nda hangi hallerin teminat haricinde oldu\u011fu farkl\u0131 farkl\u0131 yaz\u0131l\u0131 olsa da genel kaide \u015fu \u015fekildedir: Teminat Harici Haller Teminat Dahilindeki Haller Bu hallerin tamam\u0131 sigorta \u015firketlerinin kasko poli\u00e7elerinde s\u0131kl\u0131kla g\u00f6rd\u00fc\u011f\u00fcm\u00fcz \u201cteminat i\u00e7i\u201d ve \u201cteminat d\u0131\u015f\u0131\u201d halleridir. T\u00fcm sigorta poli\u00e7eleri i\u00e7in genel ge\u00e7er kural de\u011fildir. Bu nedenle her bir sigorta poli\u00e7esini bu konuda ayr\u0131 ayr\u0131 incelemek ve buna g\u00f6re de\u011ferlendirmek gerekmektedir. T\u00fcrk Ticaret Kanunu 1409\/2 d\u00fczenlemesi,&nbsp;\u201cS\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclen rizikolardan herhangi birinin veya baz\u0131lar\u0131n\u0131n sigorta teminat\u0131 d\u0131\u015f\u0131nda kald\u0131\u011f\u0131n\u0131 ispat y\u00fck\u00fc sigortac\u0131ya aittir.\u201d&nbsp;\u015feklindedir. Buna g\u00f6re rizikonun teminat d\u0131\u015f\u0131nda oldu\u011funu ispatlama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc sigorta \u015firketine y\u00fcklenmi\u015ftir. Bu kanun maddesiyle birlikte de\u011ferlendirme yapt\u0131\u011f\u0131m\u0131zda, ara\u00e7 anahtar\u0131n\u0131n ele ge\u00e7irilmesi suretiyle meydana gelen h\u0131rs\u0131zl\u0131k olaylar\u0131nda hasar\u0131n Kasko Sigortas\u0131 teminat\u0131 d\u0131\u015f\u0131nda oldu\u011funu sigorta \u015firketi ispatlamak zorunda olacakt\u0131r. Bu ispat\u0131 ger\u00e7ekle\u015ftiremedi\u011fi takdirde teminat sigorta kapsam\u0131nda de\u011ferlendirilecektir.<\/p>\n","protected":false},"author":1,"featured_media":440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-controlonoff"],"_links":{"self":[{"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/posts\/115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=115"}],"version-history":[{"count":24,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/posts\/115\/revisions"}],"predecessor-version":[{"id":749,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/posts\/115\/revisions\/749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=\/wp\/v2\/media\/440"}],"wp:attachment":[{"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.c-on-off.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}