{"id":58652,"date":"2019-07-22T13:55:31","date_gmt":"2019-07-22T10:55:31","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=58652"},"modified":"2019-07-22T13:41:00","modified_gmt":"2019-07-22T10:41:00","slug":"trafik-sigortasindaki-degisiklik-hasarli-surucuye-yaradi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/trafik-sigortasindaki-degisiklik-hasarli-surucuye-yaradi\/","title":{"rendered":"Trafik sigortas\u0131ndaki de\u011fi\u015fiklik hasarl\u0131 s\u00fcr\u00fcc\u00fcye yarad\u0131"},"content":{"rendered":"<p>&#8211; wp:heading {&#8220;level&#8221;:4} &#8211;><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2346858546\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<h4>GE\u00c7T\u0130\u011e\u0130M\u0130Z hafta trafik sigortas\u0131nda, t\u00fcm s\u00fcr\u00fcc\u00fcleri yak\u0131ndan ilgilendiren \u00f6nemli bir de\u011fi\u015fiklik yap\u0131ld\u0131 ve Resmi Gazetede yay\u0131mland\u0131. Maalesef, de\u011fi\u015fiklik tam anla\u015f\u0131lamad\u0131\u011f\u0131ndan kamuoyunda, \u2018hasars\u0131zl\u0131k indirimi kalk\u0131yor, primler artacak\u2019 \u015feklinde yanl\u0131\u015f yorumland\u0131. \u0130\u015fin do\u011frusunu anlatay\u0131m.<\/h4>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>\u00d6nce trafik sigortas\u0131nda hasars\u0131zl\u0131k indirimi nedir, nas\u0131l uygulan\u0131r; k\u0131saca bilgi vereyim ki, de\u011fi\u015fiklik daha iyi anla\u015f\u0131ls\u0131n. Trafik sigortas\u0131nda, s\u00fcr\u00fcc\u00fclerin hasar ge\u00e7mi\u015fine g\u00f6re 7 ayr\u0131 kategori (buna basamak da diyebiliriz) bulunuyor ve prim art\u0131r\u0131m-indirimleri bu basamaklara g\u00f6re belirleniyor. \u0130lk kez sigorta yapt\u0131racaklar, trafik sigortas\u0131 sistemine 4. kademeden giriyor. Hasars\u0131z ge\u00e7en her y\u0131l bir kademe art\u0131yor ve 7. kademeye kadar \u00e7\u0131k\u0131l\u0131yor, primler de ona g\u00f6re azal\u0131yor. Hasar yap\u0131ld\u0131\u011f\u0131 her y\u0131l i\u00e7in de kademe d\u00fc\u015ferek, 1. kademeye kadar iniliyor ve fiyat da art\u0131yor. 7. basamak, hasars\u0131z s\u00fcr\u00fcc\u00fclerin oldu\u011fu grup ve d\u00fc\u015f\u00fck prim \u00f6d\u00fcyorlar. 1-2-3\u2019\u00fcnc\u00fc basamak ise s\u00fcrekli hasar yapan, riskli grup ve haliyle y\u00fcksek prim \u00f6d\u00fcyorlar.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:4} &#8211;><\/p>\n<h4><strong>ARA\u00c7 ALACAKLAR D\u0130KKAT!<\/strong><\/h4>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2776038331\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Gelelim, yap\u0131lan de\u011fi\u015fikli\u011fe. Trafik sigortas\u0131na g\u00f6re; ara\u00e7 sahipleri, arac\u0131n\u0131 sat\u0131p yeni bir ara\u00e7 ald\u0131\u011f\u0131nda, yeni araca ili\u015fkin bilgileri trafik sigortas\u0131n\u0131 yapt\u0131rd\u0131\u011f\u0131 \u015firkete bildirmek zorunda. Bu durumda ara\u00e7 sahibinin ge\u00e7mi\u015ften gelen hasars\u0131zl\u0131k indirim hakk\u0131 ayn\u0131 t\u00fcrdeki ara\u00e7lar i\u00e7in devam ediyor. Ancak s\u00fcr\u00fcc\u00fc satt\u0131\u011f\u0131 ara\u00e7 t\u00fcr\u00fcnden farkl\u0131 bir ara\u00e7 al\u0131rsa ve ge\u00e7mi\u015ften gelen bir hasars\u0131zl\u0131k indirimi varsa ilk kez sigorta yapt\u0131r\u0131yormu\u015f gibi 4. kademeden poli\u00e7e d\u00fczenleniyor. Ama yok, hasarl\u0131 s\u00fcr\u00fcc\u00fcyse, kulland\u0131\u011f\u0131 ara\u00e7tan farkl\u0131 bir ara\u00e7 t\u00fcr\u00fc de alsa trafik sigortas\u0131na kald\u0131\u011f\u0131 yerden, yani zaml\u0131 primden, devam ediyor.<\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p>Daha a\u00e7\u0131k \u015f\u00f6yle anlatay\u0131m.&nbsp;<strong>Diyelim ki, kamyonunuz var ve hasarl\u0131 s\u00fcr\u00fcc\u00fcs\u00fcn\u00fcz, trafik sigortas\u0131nda 1. basamaktas\u0131n\u0131z, bunun i\u00e7in de y\u00fcksek prim \u00f6d\u00fcyorsunuz. Kamyonu satt\u0131n\u0131z, otomobil ald\u0131n\u0131z. Sigorta \u015firketi, yeni ara\u00e7 i\u00e7in sigortay\u0131 da 1. basamaktan yap\u0131yor ve siz y\u00fcksek prim \u00f6demeye devam ediyorsunuz.<\/strong>&nbsp;Farkl\u0131 bir \u00f6rnek daha vereyim. Otomobiliniz var ve hasars\u0131z s\u00fcr\u00fcc\u00fcs\u00fcn\u00fcz; dolay\u0131s\u0131yla da trafik sigortas\u0131nda 7. basamaktas\u0131n\u0131z. Otomobili sat\u0131p, kamyon ald\u0131n\u0131z. Bu durumda da sigorta \u015firketi size ilk kez sigorta yapt\u0131r\u0131yormu\u015f gibi 4. kademeden poli\u00e7e d\u00fczenliyor. Mevcut uygulama b\u00f6yle.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3356086596\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:paragraph &#8211;><\/p>\n<p><a href=\"http:\/\/bit.ly\/pb-borfin-temel-analiz-1\" rel=\"external nofollow noopener\" data-wpel-link=\"external\" target=\"_blank\"><span style=\"color: #3366ff;font-weight:bold;\">TEMEL ANAL\u0130Z \u0130LE NASIL H\u0130SSE SE\u00c7\u0130L\u0130R? UZMANINDAN HEMEN \u00d6\u011eRENMEYE BA\u015eLA!<\/span><\/a><\/p>\n<p>&#8211; \/wp:paragraph &#8211;><\/p>\n<p>&#8211; wp:heading {&#8220;level&#8221;:6} &#8211;><\/p>\n<h6>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.hurriyet.com.tr\/yazarlar\/noyan-dogan\/trafik-sigortasindaki-degisiklik-hasarli-surucuye-yaradi-41280581\" target=\"_blank\" rel=\"noreferrer noopener nofollow external\" aria-label=\"TIKLAYINIZ (yeni sekmede a\u00e7\u0131l\u0131r)\" data-wpel-link=\"external\">TIKLAYINIZ<\/a>.<\/h6>\n<p>&#8211; \/wp:heading &#8211;><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8211; wp:heading {&#8220;level&#8221;:4} &#8211;> GE\u00c7T\u0130\u011e\u0130M\u0130Z hafta trafik sigortas\u0131nda, t\u00fcm s\u00fcr\u00fcc\u00fcleri yak\u0131ndan ilgilendiren \u00f6nemli bir de\u011fi\u015fiklik yap\u0131ld\u0131 ve Resmi Gazetede yay\u0131mland\u0131. Maalesef, de\u011fi\u015fiklik tam anla\u015f\u0131lamad\u0131\u011f\u0131ndan kamuoyunda,&hellip;<\/p>\n","protected":false},"author":3953,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[808,801,2187],"class_list":["post-58652","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-noyan-dogan-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/3953"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=58652"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/58652\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=58652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=58652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=58652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}