{"id":1329,"date":"2026-02-19T11:37:07","date_gmt":"2026-02-19T11:37:07","guid":{"rendered":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/?p=1329"},"modified":"2026-02-19T11:37:08","modified_gmt":"2026-02-19T11:37:08","slug":"sigorta-sirketi-sozlesme-disi-deyip-odeme-yapmazsa-ne-olur","status":"publish","type":"post","link":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/sigorta-sirketi-sozlesme-disi-deyip-odeme-yapmazsa-ne-olur\/","title":{"rendered":"Sigorta \u015eirketi S\u00f6zle\u015fme D\u0131\u015f\u0131 Deyip \u00d6deme Yapmazsa Ne Olur?"},"content":{"rendered":"\n<p>Sigorta \u015firketleri, hasar talebiyle kar\u015f\u0131la\u015ft\u0131klar\u0131nda zaman zaman \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d oldu\u011fu gerek\u00e7esiyle \u00f6deme yapmaktan ka\u00e7\u0131nmaktad\u0131r. Bu ifade, \u00e7o\u011fu sigortal\u0131 taraf\u0131ndan kesin ve de\u011fi\u015ftirilemez bir red karar\u0131 olarak alg\u0131lanmaktad\u0131r. <\/p>\n\n\n\n<p>Oysa sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d savunmas\u0131, her zaman hukuken ge\u00e7erli de\u011fildir. Peki sigorta \u015firketi \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d deyip \u00f6deme yapmazsa ne olur?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Ne Anlama Gelir? <\/h2>\n\n\n\n<p>Sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d demesi, hasar\u0131n: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poli\u00e7ede teminat alt\u0131na al\u0131nmad\u0131\u011f\u0131 <\/li>\n\n\n\n<li>\u0130stisna (hari\u00e7 tutulan risk) kapsam\u0131nda oldu\u011fu <\/li>\n\n\n\n<li>Poli\u00e7e klozlar\u0131na ayk\u0131r\u0131 ger\u00e7ekle\u015fti\u011fi iddias\u0131na dayanmaktad\u0131r. <\/li>\n<\/ul>\n\n\n\n<p>Ancak bu de\u011ferlendirme tek tarafl\u0131d\u0131r ve yarg\u0131 denetimine tabidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta \u015eirketinin \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Gerek\u00e7esi Her Zaman Ge\u00e7erli mi? <\/h2>\n\n\n\n<p>Hay\u0131r. Uygulamada sigorta \u015firketleri: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poli\u00e7e klozlar\u0131n\u0131 geni\u015f yorumlayarak <\/li>\n\n\n\n<li>\u0130stisnalar\u0131 sigortal\u0131 aleyhine geni\u015fleterek <\/li>\n\n\n\n<li>Genel \u015fartlar\u0131 yanl\u0131\u015f uygulayarak haks\u0131z \u015fekilde \u00f6deme yapmamaktad\u0131r. <\/li>\n<\/ul>\n\n\n\n<p>Yarg\u0131 kararlar\u0131nda, sigorta s\u00f6zle\u015fmelerinin sigortal\u0131 lehine yorumlanmas\u0131 gerekti\u011fi a\u00e7\u0131k\u00e7a kabul edilmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Denilerek En S\u0131k Reddedilen Talepler <\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kasko sigortas\u0131nda onar\u0131m bedeli <\/li>\n\n\n\n<li>Pert (tam hasar) bedeli <\/li>\n\n\n\n<li>De\u011fer kayb\u0131 tazminat\u0131 <\/li>\n\n\n\n<li>Bedeni zarar tazminat\u0131 <\/li>\n\n\n\n<li>\u0130kame ara\u00e7 (ara\u00e7 mahrumiyet) bedeli <\/li>\n<\/ul>\n\n\n\n<p>Bu taleplerin \u00f6nemli bir k\u0131sm\u0131 dava veya tahkim yoluyla al\u0131nabilmektedir<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta \u015eirketi \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Deyip \u00d6deme Yapmazsa Ne Yap\u0131lmal\u0131? <\/h2>\n\n\n\n<p><strong>1. Yaz\u0131l\u0131 Ret Cevab\u0131 Talep Edilmeli <\/strong><\/p>\n\n\n\n<p>Sigorta \u015firketinin reddi mutlaka yaz\u0131l\u0131 olarak al\u0131nmal\u0131d\u0131r. S\u00f6zl\u00fc beyanlar hukuki sonu\u00e7 do\u011furmaz. <\/p>\n\n\n\n<p><strong>2. Poli\u00e7e ve Genel \u015eartlar \u0130ncelenmeli <\/strong><\/p>\n\n\n\n<p>Reddin ger\u00e7ekten poli\u00e7eye dayan\u0131p dayanmad\u0131\u011f\u0131, genel \u015fartlar ve \u00f6zel klozlar \u00fczerinden de\u011ferlendirilmelidir. <\/p>\n\n\n\n<p><strong>3. Yaz\u0131l\u0131 \u0130tiraz Ba\u015fvurusu Yap\u0131lmal\u0131 <\/strong><\/p>\n\n\n\n<p>Sigorta \u015firketine gerek\u00e7eli bir itiraz dilek\u00e7esi sunularak \u00f6demenin yap\u0131lmas\u0131 talep edilmelidir. <\/p>\n\n\n\n<p><strong>4. Sigorta Tahkim Komisyonu\u2019na Ba\u015fvurulmal\u0131 <\/strong><\/p>\n\n\n\n<p>\u0130tirazdan sonu\u00e7 al\u0131namazsa Sigorta Tahkim Komisyonu\u2019na ba\u015fvurulabilir. Tahkim, \u00f6zellikle s\u00f6zle\u015fme yorumu uyu\u015fmazl\u0131klar\u0131nda etkilidir. <\/p>\n\n\n\n<p><strong>5. Sigorta \u015eirketine Kar\u015f\u0131 Dava A\u00e7\u0131lmal\u0131 <\/strong><\/p>\n\n\n\n<p>Tahkim yolunun tercih edilmemesi h\u00e2linde, Asliye Ticaret Mahkemesi nezdinde dava a\u00e7\u0131labilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gaziantep Sigorta Avukat\u0131 ile S\u00fcre\u00e7 Nas\u0131l Avantaja D\u00f6n\u00fc\u015f\u00fcr? <\/h2>\n\n\n\n<p>\u201cS\u00f6zle\u015fme d\u0131\u015f\u0131\u201d savunmas\u0131, ciddi hukuki analiz gerektirir. Bir <strong><a href=\"https:\/\/www.ibrahimkaya.av.tr\/gaziantep-sigorta-avukati\/\">Gaziantep sigorta avukat\u0131:<\/a><\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poli\u00e7e klozlar\u0131n\u0131 lehe yorumlar <\/li>\n\n\n\n<li>\u0130stisna maddelerinin ge\u00e7erlili\u011fini denetler <\/li>\n\n\n\n<li>Yarg\u0131tay ve BAM i\u00e7tihatlar\u0131n\u0131 dosyaya sunar <\/li>\n\n\n\n<li>Sigorta \u015firketinin savunmas\u0131n\u0131 \u00e7\u00fcr\u00fct\u00fcr <\/li>\n<\/ul>\n\n\n\n<p>Bu sayede reddedilen bir\u00e7ok talep tahsil edilebilmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zamana\u015f\u0131m\u0131 S\u00fcresi Ka\u00e7 Y\u0131ld\u0131r? <\/h2>\n\n\n\n<p>Sigorta s\u00f6zle\u015fmesinden do\u011fan talepler genel olarak 2 y\u0131ll\u0131k zamana\u015f\u0131m\u0131 s\u00fcresine tabidir. <\/p>\n\n\n\n<p>Sigorta \u015firketinin ret cevab\u0131 bu s\u00fcreyi durdurmaz. Bu nedenle gecikmeden hukuki yollara ba\u015fvurulmal\u0131d\u0131r. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sonu\u00e7 <\/h2>\n\n\n\n<p>Sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d gerek\u00e7esiyle \u00f6deme yapmamas\u0131, talebin kesin olarak reddedildi\u011fi anlam\u0131na gelmez. <\/p>\n\n\n\n<p>Poli\u00e7e ve genel \u015fartlar sigortal\u0131 lehine yorumlan\u0131r ve haks\u0131z redler dava veya tahkim yoluyla a\u015f\u0131labilir. <\/p>\n\n\n\n<p>Hak kayb\u0131 ya\u015famamak i\u00e7in s\u00fcrecin bilin\u00e7li ve profesyonel \u015fekilde y\u00fcr\u00fct\u00fclmesi b\u00fcy\u00fck \u00f6nem ta\u015f\u0131r.<\/p>\n\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"excerpt":{"rendered":"<p>Sigorta \u015firketleri, hasar talebiyle kar\u015f\u0131la\u015ft\u0131klar\u0131nda zaman zaman \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d oldu\u011fu gerek\u00e7esiyle \u00f6deme yapmaktan ka\u00e7\u0131nmaktad\u0131r. Bu ifade, \u00e7o\u011fu sigortal\u0131 taraf\u0131ndan kesin ve de\u011fi\u015ftirilemez bir red karar\u0131 olarak alg\u0131lanmaktad\u0131r. Oysa sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d savunmas\u0131, her zaman hukuken ge\u00e7erli de\u011fildir. Peki sigorta \u015firketi \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d deyip \u00f6deme yapmazsa ne olur? \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Ne Anlama Gelir? Sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d demesi, hasar\u0131n: Ancak bu de\u011ferlendirme tek tarafl\u0131d\u0131r ve yarg\u0131 denetimine tabidir. Sigorta \u015eirketinin \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Gerek\u00e7esi Her Zaman Ge\u00e7erli mi? Hay\u0131r. Uygulamada sigorta \u015firketleri: Yarg\u0131 kararlar\u0131nda, sigorta s\u00f6zle\u015fmelerinin sigortal\u0131 lehine yorumlanmas\u0131 gerekti\u011fi a\u00e7\u0131k\u00e7a kabul edilmektedir. \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Denilerek En S\u0131k Reddedilen Talepler Bu taleplerin \u00f6nemli bir k\u0131sm\u0131 dava veya tahkim yoluyla al\u0131nabilmektedir Sigorta \u015eirketi \u201cS\u00f6zle\u015fme D\u0131\u015f\u0131\u201d Deyip \u00d6deme Yapmazsa Ne Yap\u0131lmal\u0131? 1. Yaz\u0131l\u0131 Ret Cevab\u0131 Talep Edilmeli Sigorta \u015firketinin reddi mutlaka yaz\u0131l\u0131 olarak al\u0131nmal\u0131d\u0131r. S\u00f6zl\u00fc beyanlar hukuki sonu\u00e7 do\u011furmaz. 2. Poli\u00e7e ve Genel \u015eartlar \u0130ncelenmeli Reddin ger\u00e7ekten poli\u00e7eye dayan\u0131p dayanmad\u0131\u011f\u0131, genel \u015fartlar ve \u00f6zel klozlar \u00fczerinden de\u011ferlendirilmelidir. 3. Yaz\u0131l\u0131 \u0130tiraz Ba\u015fvurusu Yap\u0131lmal\u0131 Sigorta \u015firketine gerek\u00e7eli bir itiraz dilek\u00e7esi sunularak \u00f6demenin yap\u0131lmas\u0131 talep edilmelidir. 4. Sigorta Tahkim Komisyonu\u2019na Ba\u015fvurulmal\u0131 \u0130tirazdan sonu\u00e7 al\u0131namazsa Sigorta Tahkim Komisyonu\u2019na ba\u015fvurulabilir. Tahkim, \u00f6zellikle s\u00f6zle\u015fme yorumu uyu\u015fmazl\u0131klar\u0131nda etkilidir. 5. Sigorta \u015eirketine Kar\u015f\u0131 Dava A\u00e7\u0131lmal\u0131 Tahkim yolunun tercih edilmemesi h\u00e2linde, Asliye Ticaret Mahkemesi nezdinde dava a\u00e7\u0131labilir. Gaziantep Sigorta Avukat\u0131 ile S\u00fcre\u00e7 Nas\u0131l Avantaja D\u00f6n\u00fc\u015f\u00fcr? \u201cS\u00f6zle\u015fme d\u0131\u015f\u0131\u201d savunmas\u0131, ciddi hukuki analiz gerektirir. Bir Gaziantep sigorta avukat\u0131: Bu sayede reddedilen bir\u00e7ok talep tahsil edilebilmektedir. Zamana\u015f\u0131m\u0131 S\u00fcresi Ka\u00e7 Y\u0131ld\u0131r? Sigorta s\u00f6zle\u015fmesinden do\u011fan talepler genel olarak 2 y\u0131ll\u0131k zamana\u015f\u0131m\u0131 s\u00fcresine tabidir. Sigorta \u015firketinin ret cevab\u0131 bu s\u00fcreyi durdurmaz. Bu nedenle gecikmeden hukuki yollara ba\u015fvurulmal\u0131d\u0131r. Sonu\u00e7 Sigorta \u015firketinin \u201cs\u00f6zle\u015fme d\u0131\u015f\u0131\u201d gerek\u00e7esiyle \u00f6deme yapmamas\u0131, talebin kesin olarak reddedildi\u011fi anlam\u0131na gelmez. Poli\u00e7e ve genel \u015fartlar sigortal\u0131 lehine yorumlan\u0131r ve haks\u0131z redler dava veya tahkim yoluyla a\u015f\u0131labilir. Hak kayb\u0131 ya\u015famamak i\u00e7in s\u00fcrecin bilin\u00e7li ve profesyonel \u015fekilde y\u00fcr\u00fct\u00fclmesi b\u00fcy\u00fck \u00f6nem ta\u015f\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":1330,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[59],"tags":[58],"class_list":["post-1329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigorta","tag-sigorta-davasi"],"_links":{"self":[{"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts\/1329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/comments?post=1329"}],"version-history":[{"count":1,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts\/1329\/revisions"}],"predecessor-version":[{"id":1331,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts\/1329\/revisions\/1331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/media\/1330"}],"wp:attachment":[{"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/media?parent=1329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/categories?post=1329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/tags?post=1329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}