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S\u0131f\u0131r kilometre ara\u00e7lar\u0131n fiyat\u0131n\u0131n y\u00fcksek olu\u015fu, vatanda\u015flar\u0131 ikinci ele y\u00f6nlendiriyor. \u0130kinci elde de piyasan\u0131n y\u00fcksekli\u011fi, ara\u00e7 bakanlar\u0131 \u00e7ok dikkatli olmaya itiyor. \u00c7\u00fcnk\u00fc baz\u0131 k\u00f6t\u00fc niyetli sat\u0131c\u0131lara dikkat edilmezse \u00e7ok y\u00fcksek bedellerle fark\u0131na varmadan kazal\u0131 ara\u00e7 alabilirsiniz. \u201cKaskodan fazla para alabilmek i\u00e7in \u015fi\u015firilmi\u015f hasar kayd\u0131 var\u201d, \u201cAra\u00e7ta bedelsiz hasar kayd\u0131 \u00e7\u0131k\u0131yor\u201d, \u201cKar\u015f\u0131 taraf\u0131n hasar\u0131 bu araca yaz\u0131lm\u0131\u015f\u201d gibi kli\u015feler, asla ger\u00e7e\u011fi yans\u0131tm\u0131yor.<\/p>\n
TOBB Sigorta Eksperleri \u0130cra Komitesi Ba\u015fkan\u0131 ve ayn\u0131 zamanda T\u00fcrkiye Sigorta Eksperleri Derne\u011fi (T\u00dcSED) Ba\u015fkanl\u0131\u011f\u0131 da yapan Ahmet Nedim Erdem, Yeni \u015eafak gazetesine ikinci el ara\u00e7 alacaklar\u0131n dikkat etmesi gereken hususlar\u0131 s\u0131ralad\u0131.<\/p>\n
“\u015eASE NUMARASIYLA MUTLAKA SORGULAYIN”<\/h2>\n
Ahmet Nedim Erdem, bir ara\u00e7 kazaya kar\u0131\u015ft\u0131ysa, dosyas\u0131n\u0131n a\u00e7\u0131l\u0131p sigorta \u015firketinin bunu \u015fase numaras\u0131 \u00fczerinden mutlaka sisteme i\u015fledi\u011fini kaydetti. S\u00fcr\u00fcc\u00fc kusurlu olsun veya olmas\u0131n, \u015firket bunu \u00f6desin veya \u00f6demesin, eksperin belirledi\u011fi \u201cdo\u011fru maliyet\u201d tam zamanl\u0131 veri aktar\u0131ld\u0131ysa, Sigorta Bilgi ve G\u00f6zetim Merkezi sistemine e\u015f zamanl\u0131 olarak yans\u0131yor. Erdem, 5664 SMS hizmetinden arac\u0131n plaka ile de\u011fil, mutlaka \u201c\u015fase numaras\u0131yla\u201d sorgulanmas\u0131 konusunda da uyard\u0131.<\/p>\n
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“‘BEDELS\u0130Z HASAR’ D\u0130YE B\u0130R\u015eEY YOK”<\/h2>\n
Bedelsiz kayd\u0131 \u00f6nemsemeyip arac\u0131 alan ki\u015finin, y\u00fcksek hasar bedelleriyle kar\u015f\u0131la\u015fabildi\u011fini anlatan Ahmet Nedim Erdem, ara\u00e7 sahibinin istedi\u011fi takdirde detayl\u0131 rapora ula\u015fabilece\u011fi bilgisini verdi.<\/p>\n
Erdem, “Tramer sorgusunda s\u0131k\u00e7a kar\u015f\u0131la\u015f\u0131lan bir husus; ‘bedelsiz’ hasar kay\u0131tlar\u0131. Kaza tarihi yaz\u0131yor, ancak hasar bedeli g\u00f6z\u00fckm\u00fcyorsa bunun pe\u015fine d\u00fc\u015f\u00fcn. Kaza sonras\u0131 ihbar bildirimi yap\u0131lmas\u0131n\u0131n ard\u0131ndan sigorta \u015firketi dosyay\u0131 a\u00e7\u0131yor. Ancak hatal\u0131 bildirimler, hatal\u0131 poli\u00e7e numaralar\u0131 ve baz\u0131 durumlarda ya\u015fanan hukuki s\u00fcre\u00e7 sebebiyle hasar bedelinin sisteme i\u015flemesi 6 ay\u0131 bulabiliyor. B\u00fcy\u00fck kazalara kar\u0131\u015fan ara\u00e7lar bu s\u00fcrede onar\u0131l\u0131p sat\u0131labiliyor” dedi.<\/p>\n
![](\"https:\/\/istanbulchannel.net\/wp-content\/uploads\/2021\/10\/uzmanlardan-son-dakika-ikinci-el-otomobil-uyarisi-bu-uc-yalana-kanmayin-1.webp\")
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EN B\u00dcY\u00dcK YALAN: \u2018KAR\u015eI HASAR \u0130\u015eLEND\u0130\u2019<\/h2>\n
\u201cKar\u015f\u0131 taraf\u0131n hasar\u0131 benim araca yaz\u0131lm\u0131\u015f\u201d kli\u015fesi en s\u0131k kar\u015f\u0131la\u015f\u0131lan yalanlardan. \u0130\u015fin uzmanlar\u0131, kesinlikle b\u00f6yle bir durumun olamayaca\u011f\u0131n\u0131 belirtiyor. Hangi araca ne i\u015flem yap\u0131lm\u0131\u015fsa, hasar kayd\u0131 o arac\u0131n \u015fase numaras\u0131na i\u015flenir. \u00d6rne\u011fin; \u201cKaza yapt\u0131m, su\u00e7lu bendim, bana 5 bin lira, kar\u015f\u0131 tarafa 10 bin lira hasar \u00e7\u0131kt\u0131. Benim arabaya 15 bin lira hasar kayd\u0131 (tramer) i\u015flenmi\u015f.\u201d Bu imkans\u0131z. Hi\u00e7bir zaman, hi\u00e7bir sigorta \u015firketi, kar\u015f\u0131 taraf\u0131n hasar\u0131n\u0131 sizin araban\u0131za y\u00fcklemez. Ayr\u0131ca mevzuat da buna izin vermez. Kaza ge\u00e7mi\u015finde ne bedel \u00e7\u0131k\u0131yorsa, o araca aittir.<\/p>\n
HASAR BEDEL\u0130 \u015e\u0130\u015e\u0130R\u0130L\u0130R M\u0130?<\/h2>\n
Kaza sonras\u0131 tutulan tutanakla ara\u00e7 servise teslim edilir. Tamirci sizden ruhsat, ehliyet, kaza tutana\u011f\u0131, sigorta poli\u00e7esi vb. evraklar ister. Ondan sonra sigorta veya kasko \u015firketiyle irtibata ge\u00e7er. O \u015firket sizin arac\u0131n\u0131z i\u00e7in eksper atar. Eksper gelip, \u201ckaza nas\u0131l olmu\u015f, ger\u00e7ekten olmu\u015f mu, par\u00e7a tamir edilebilir mi\u201d diye arabay\u0131 yerinde inceleyip \u201cdo\u011fru onar\u0131mla do\u011fru maliyeti\u201d belirler. Yani \u201c\u015fi\u015firilmi\u015f hasar kayd\u0131\u201d diye bir durum da s\u00f6z konusu de\u011fil. Servis veya tamirci, ekspere ra\u011fmen asla kafas\u0131na g\u00f6re bedel \u00e7\u0131karamaz.<\/p>\n
\u015eASEDEN BAKIN EKSPERE G\u00d6T\u00dcR\u00dcN<\/h2>\n
TOBB Sigorta Eksperleri \u0130cra Komitesi Ba\u015fkan\u0131 Ahmet Nedim Erdem, ikinci el ara\u00e7 alacaklara ma\u011fduriyet ya\u015famamalar\u0131 i\u00e7in \u015fu tavsiyelerde bulundu: \u201cBirincisi, alaca\u011f\u0131n\u0131z arac\u0131 plakadan de\u011fil, mutlaka \u015fase numaras\u0131ndan sorgulay\u0131n. \u0130kincisi, otomobili sat\u0131c\u0131n\u0131n y\u00f6nlendirmedi\u011fi, kendi belirleyece\u011finiz ikinci el oto ekspertiz firmas\u0131na g\u00f6sterin.\u201d<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"
\u0130kinci el otomobil piyasas\u0131nda, baz\u0131 sat\u0131c\u0131lar\u0131n kazal\u0131 ara\u00e7lar\u0131n\u0131 de\u011ferinden y\u00fcksek fiyatlara satmak i\u00e7in s\u0131kl\u0131kla ba\u015fvurdu\u011fu 3 yalan var. ‘Kar\u015f\u0131 taraf\u0131nda…<\/p>\n","protected":false},"author":2,"featured_media":20780,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,12],"tags":[],"class_list":["post-20779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-gundem"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/20779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/comments?post=20779"}],"version-history":[{"count":0,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/20779\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/20780"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=20779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=20779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=20779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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