{"id":1341,"date":"2026-02-20T11:05:44","date_gmt":"2026-02-20T11:05:44","guid":{"rendered":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/?p=1341"},"modified":"2026-02-20T11:05:45","modified_gmt":"2026-02-20T11:05:45","slug":"motor-kazalarinda-sigorta-odemesi-neden-dusuk-cikar","status":"publish","type":"post","link":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/motor-kazalarinda-sigorta-odemesi-neden-dusuk-cikar\/","title":{"rendered":"Motor Kazalar\u0131nda Sigorta \u00d6demesi Neden D\u00fc\u015f\u00fck \u00c7\u0131kar?"},"content":{"rendered":"\n<p>Gaziantep\u2019te meydana gelen motosiklet kazalar\u0131nda, ma\u011fdurlar\u0131n en s\u0131k kar\u015f\u0131la\u015ft\u0131\u011f\u0131 sorunlardan biri sigorta \u015firketlerinin \u00e7ok d\u00fc\u015f\u00fck tazminat \u00f6demesi yapmas\u0131d\u0131r. <\/p>\n\n\n\n<p>Ara\u00e7 kazalar\u0131na k\u0131yasla motor kazalar\u0131nda sigorta \u00f6demeleri hem daha ge\u00e7 yap\u0131lmakta hem de \u00e7o\u011fu zaman ger\u00e7ek zarar\u0131n \u00e7ok alt\u0131nda kalmaktad\u0131r. <\/p>\n\n\n\n<p>Bunun temel nedeni, sigorta \u015firketlerinin motor kazalar\u0131na yakla\u015f\u0131m\u0131ndaki sistematik uygulamalard\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta \u015eirketleri Motor Kazalar\u0131nda Neden Daha D\u00fc\u015f\u00fck \u00d6deme Yapar?<\/h2>\n\n\n\n<p><strong>1.Kusur Oran\u0131n\u0131n Bilin\u00e7li \u015eekilde Y\u00fckseltilmesi <\/strong><\/p>\n\n\n\n<p>Motor kazalar\u0131nda sigorta \u015firketleri \u00e7o\u011fu zaman: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Motosiklet s\u00fcr\u00fcc\u00fcs\u00fcn\u00fc asli kusurlu g\u00f6stermeye \u00e7al\u0131\u015f\u0131r <\/li>\n\n\n\n<li>\u201cH\u0131z\u201d, \u201cdikkatsizlik\u201d, \u201c\u015ferit ihlali\u201d gibi soyut gerek\u00e7eler ileri s\u00fcrer <\/li>\n<\/ul>\n\n\n\n<p>Kusur oran\u0131 artt\u0131k\u00e7a \u00f6denecek tazminat do\u011frudan d\u00fc\u015fer. Bu nedenle motor kazalar\u0131nda kusur tespiti en kritik noktad\u0131r. <\/p>\n\n\n\n<p><strong>2. Koruyucu Ekipman Gerek\u00e7esiyle Kesinti Yap\u0131lmas\u0131 <\/strong><\/p>\n\n\n\n<p>Sigorta \u015firketleri s\u0131kl\u0131kla: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kask tak\u0131lmad\u0131\u011f\u0131 <\/li>\n\n\n\n<li>Koruyucu ekipman eksik oldu\u011fu <\/li>\n<\/ul>\n\n\n\n<p>iddias\u0131yla tazminattan indirim yapmaya \u00e7al\u0131\u015f\u0131r. Oysa her ekipman eksikli\u011fi otomatik olarak tazminat kesintisi anlam\u0131na gelmez. Bu husus hukuken tart\u0131\u015fmal\u0131 olup, \u00e7o\u011fu durumda itirazla d\u00fczeltilmektedir. <\/p>\n\n\n\n<p><strong>3. Bedeni Zararlar\u0131n Eksik Hesaplanmas\u0131<\/strong><\/p>\n\n\n\n<p>Motor kazalar\u0131nda: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kemik k\u0131r\u0131klar\u0131 <\/li>\n\n\n\n<li>Doku ve sinir hasarlar\u0131 <\/li>\n\n\n\n<li>Kal\u0131c\u0131 sakatl\u0131klar \u00e7ok daha yayg\u0131nd\u0131r. Ancak sigorta \u015firketleri:<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sakatl\u0131k oran\u0131n\u0131 d\u00fc\u015f\u00fck g\u00f6sterir <\/li>\n\n\n\n<li>Ge\u00e7ici i\u015f g\u00f6remezlik s\u00fcresini k\u0131salt\u0131r <\/li>\n\n\n\n<li>Geliri asgari \u00fccretin alt\u0131nda varsayar Bu da \u00f6demeyi ciddi \u015fekilde d\u00fc\u015f\u00fcr\u00fcr. <\/li>\n<\/ul>\n\n\n\n<p><strong>4. De\u011fer Kayb\u0131 veya Hasar Bedelinin Yok Say\u0131lmas\u0131 <\/strong><\/p>\n\n\n\n<p>Motor kazalar\u0131nda: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De\u011fer kayb\u0131 talebi <\/li>\n\n\n\n<li>\u0130kinci el piyasa kayb\u0131 \u00e7o\u011fu zaman hi\u00e7 de\u011ferlendirilmez. <\/li>\n<\/ul>\n\n\n\n<p>Oysa belirli \u015fartlar alt\u0131nda motosikletler i\u00e7in de de\u011fer kayb\u0131 tazminat\u0131 talep edilebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta \u015eirketinin D\u00fc\u015f\u00fck \u00d6deme Yapmas\u0131na Kar\u015f\u0131 Ne Yap\u0131labilir? <\/h2>\n\n\n\n<p><strong>1. Kusur Oran\u0131na \u0130tiraz Edilmelidir <\/strong><\/p>\n\n\n\n<p>TRAMER kusur oran\u0131 kesin de\u011fildir. Foto\u011fraflar, kamera kay\u0131tlar\u0131 ve bilirki\u015fi raporlar\u0131yla kusur oran\u0131 tamamen de\u011fi\u015ftirilebilir. <\/p>\n\n\n\n<p><strong>2. Sa\u011fl\u0131k Raporlar\u0131 Yeniden De\u011ferlendirilmelidir <\/strong><\/p>\n\n\n\n<p>Eksik veya hatal\u0131 sa\u011fl\u0131k raporlar\u0131, d\u00fc\u015f\u00fck \u00f6deme sebebidir. Tam te\u015fekk\u00fcll\u00fc hastaneden al\u0131nacak do\u011fru raporlar, tazminat\u0131 do\u011frudan art\u0131r\u0131r. <\/p>\n\n\n\n<p><strong>3. Sigorta Tahkim Komisyonu\u2019na Ba\u015fvuru <\/strong><\/p>\n\n\n\n<p>Sigorta \u015firketi d\u00fc\u015f\u00fck \u00f6deme yap\u0131yorsa tahkim yoluyla: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ba\u011f\u0131ms\u0131z bilirki\u015fi atan\u0131r <\/li>\n\n\n\n<li>Tazminat yeniden hesaplan\u0131r <\/li>\n<\/ul>\n\n\n\n<p>Uygulamada motor kazalar\u0131nda tahkim kararlar\u0131 \u00e7o\u011fu zaman sigorta \u015firketi aleyhine \u00e7\u0131kmaktad\u0131r. <\/p>\n\n\n\n<p><strong>4. Dava A\u00e7\u0131lmas\u0131 <\/strong><\/p>\n\n\n\n<p>\u00d6zellikle y\u00fcksek bedelli dosyalarda Asliye Ticaret Mahkemesi nezdinde a\u00e7\u0131lan davalarla eksik \u00f6denen bedel faiziyle tahsil edilebilir. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gaziantep\u2019te Sigorta Avukat\u0131 ile Motor Kazas\u0131 Dosyas\u0131 Neden \u00d6nemlidir? <\/h2>\n\n\n\n<p>Gaziantep\u2019te motor kazalar\u0131na bakan bir<strong><a href=\"https:\/\/www.ibrahimkaya.av.tr\/gaziantep-sigorta-avukati\/\"> sigorta avukat\u0131<\/a><\/strong>: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kusur oran\u0131n\u0131 teknik olarak analiz eder <\/li>\n\n\n\n<li>Bedeni zarar ve sakatl\u0131k hesaplar\u0131n\u0131 yeniden yapt\u0131r\u0131r <\/li>\n\n\n\n<li>Sigorta \u015firketinin standart savunmalar\u0131n\u0131 bo\u015fa \u00e7\u0131kar\u0131r <\/li>\n<\/ul>\n\n\n\n<p>Bu sayede ilk etapta \u201c\u00e7ok d\u00fc\u015f\u00fck\u201d g\u00f6r\u00fcnen dosyalardan katbekat fazla tazminat al\u0131nmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zamana\u015f\u0131m\u0131 S\u00fcresine Dikkat<\/h2>\n\n\n\n<p>Motor kazalar\u0131ndan do\u011fan sigorta tazminatlar\u0131nda genel zamana\u015f\u0131m\u0131 s\u00fcresi 10 y\u0131ld\u0131r. Ancak baz\u0131 talepler daha k\u0131sa s\u00fcrelere tabi olabilir. S\u00fcrenin ka\u00e7\u0131r\u0131lmas\u0131 h\u00e2linde hak tamamen kaybedilir. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sonu\u00e7 <\/h2>\n\n\n\n<p>Gaziantep\u2019te motor kazalar\u0131nda sigorta \u00f6demesinin d\u00fc\u015f\u00fck \u00e7\u0131kmas\u0131 ka\u00e7\u0131n\u0131lmaz bir durum de\u011fildir. D\u00fc\u015f\u00fck kusur oran\u0131, eksik sa\u011fl\u0131k raporu ve hatal\u0131 hesaplamalar itirazla ve hukuki yolla d\u00fczeltilebilir. <\/p>\n\n\n\n<p>Sigorta \u015firketlerinin sundu\u011fu ilk teklifi kabul etmeden \u00f6nce, deneyimli bir sigorta avukat\u0131 ile dosyan\u0131n de\u011ferlendirilmesi ciddi maddi kay\u0131plar\u0131n \u00f6n\u00fcne ge\u00e7er.<\/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>Gaziantep\u2019te meydana gelen motosiklet kazalar\u0131nda, ma\u011fdurlar\u0131n en s\u0131k kar\u015f\u0131la\u015ft\u0131\u011f\u0131 sorunlardan biri sigorta \u015firketlerinin \u00e7ok d\u00fc\u015f\u00fck tazminat \u00f6demesi yapmas\u0131d\u0131r. Ara\u00e7 kazalar\u0131na k\u0131yasla motor kazalar\u0131nda sigorta \u00f6demeleri hem daha ge\u00e7 yap\u0131lmakta hem de \u00e7o\u011fu zaman ger\u00e7ek zarar\u0131n \u00e7ok alt\u0131nda kalmaktad\u0131r. Bunun temel nedeni, sigorta \u015firketlerinin motor kazalar\u0131na yakla\u015f\u0131m\u0131ndaki sistematik uygulamalard\u0131r. Sigorta \u015eirketleri Motor Kazalar\u0131nda Neden Daha D\u00fc\u015f\u00fck \u00d6deme Yapar? 1.Kusur Oran\u0131n\u0131n Bilin\u00e7li \u015eekilde Y\u00fckseltilmesi Motor kazalar\u0131nda sigorta \u015firketleri \u00e7o\u011fu zaman: Kusur oran\u0131 artt\u0131k\u00e7a \u00f6denecek tazminat do\u011frudan d\u00fc\u015fer. Bu nedenle motor kazalar\u0131nda kusur tespiti en kritik noktad\u0131r. 2. Koruyucu Ekipman Gerek\u00e7esiyle Kesinti Yap\u0131lmas\u0131 Sigorta \u015firketleri s\u0131kl\u0131kla: iddias\u0131yla tazminattan indirim yapmaya \u00e7al\u0131\u015f\u0131r. Oysa her ekipman eksikli\u011fi otomatik olarak tazminat kesintisi anlam\u0131na gelmez. Bu husus hukuken tart\u0131\u015fmal\u0131 olup, \u00e7o\u011fu durumda itirazla d\u00fczeltilmektedir. 3. Bedeni Zararlar\u0131n Eksik Hesaplanmas\u0131 Motor kazalar\u0131nda: 4. De\u011fer Kayb\u0131 veya Hasar Bedelinin Yok Say\u0131lmas\u0131 Motor kazalar\u0131nda: Oysa belirli \u015fartlar alt\u0131nda motosikletler i\u00e7in de de\u011fer kayb\u0131 tazminat\u0131 talep edilebilir. Sigorta \u015eirketinin D\u00fc\u015f\u00fck \u00d6deme Yapmas\u0131na Kar\u015f\u0131 Ne Yap\u0131labilir? 1. Kusur Oran\u0131na \u0130tiraz Edilmelidir TRAMER kusur oran\u0131 kesin de\u011fildir. Foto\u011fraflar, kamera kay\u0131tlar\u0131 ve bilirki\u015fi raporlar\u0131yla kusur oran\u0131 tamamen de\u011fi\u015ftirilebilir. 2. Sa\u011fl\u0131k Raporlar\u0131 Yeniden De\u011ferlendirilmelidir Eksik veya hatal\u0131 sa\u011fl\u0131k raporlar\u0131, d\u00fc\u015f\u00fck \u00f6deme sebebidir. Tam te\u015fekk\u00fcll\u00fc hastaneden al\u0131nacak do\u011fru raporlar, tazminat\u0131 do\u011frudan art\u0131r\u0131r. 3. Sigorta Tahkim Komisyonu\u2019na Ba\u015fvuru Sigorta \u015firketi d\u00fc\u015f\u00fck \u00f6deme yap\u0131yorsa tahkim yoluyla: Uygulamada motor kazalar\u0131nda tahkim kararlar\u0131 \u00e7o\u011fu zaman sigorta \u015firketi aleyhine \u00e7\u0131kmaktad\u0131r. 4. Dava A\u00e7\u0131lmas\u0131 \u00d6zellikle y\u00fcksek bedelli dosyalarda Asliye Ticaret Mahkemesi nezdinde a\u00e7\u0131lan davalarla eksik \u00f6denen bedel faiziyle tahsil edilebilir. Gaziantep\u2019te Sigorta Avukat\u0131 ile Motor Kazas\u0131 Dosyas\u0131 Neden \u00d6nemlidir? Gaziantep\u2019te motor kazalar\u0131na bakan bir sigorta avukat\u0131: Bu sayede ilk etapta \u201c\u00e7ok d\u00fc\u015f\u00fck\u201d g\u00f6r\u00fcnen dosyalardan katbekat fazla tazminat al\u0131nmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Zamana\u015f\u0131m\u0131 S\u00fcresine Dikkat Motor kazalar\u0131ndan do\u011fan sigorta tazminatlar\u0131nda genel zamana\u015f\u0131m\u0131 s\u00fcresi 10 y\u0131ld\u0131r. Ancak baz\u0131 talepler daha k\u0131sa s\u00fcrelere tabi olabilir. S\u00fcrenin ka\u00e7\u0131r\u0131lmas\u0131 h\u00e2linde hak tamamen kaybedilir. Sonu\u00e7 Gaziantep\u2019te motor kazalar\u0131nda sigorta \u00f6demesinin d\u00fc\u015f\u00fck \u00e7\u0131kmas\u0131 ka\u00e7\u0131n\u0131lmaz bir durum de\u011fildir. D\u00fc\u015f\u00fck kusur oran\u0131, eksik sa\u011fl\u0131k raporu ve hatal\u0131 hesaplamalar itirazla ve hukuki yolla d\u00fczeltilebilir. Sigorta \u015firketlerinin sundu\u011fu ilk teklifi kabul etmeden \u00f6nce, deneyimli bir sigorta avukat\u0131 ile dosyan\u0131n de\u011ferlendirilmesi ciddi maddi kay\u0131plar\u0131n \u00f6n\u00fcne ge\u00e7er.<\/p>\n","protected":false},"author":1,"featured_media":1342,"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-1341","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\/1341","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=1341"}],"version-history":[{"count":1,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts\/1341\/revisions"}],"predecessor-version":[{"id":1343,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/posts\/1341\/revisions\/1343"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/media\/1342"}],"wp:attachment":[{"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/media?parent=1341"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/categories?post=1341"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibrahimkaya.av.tr\/makaleler\/wp-json\/wp\/v2\/tags?post=1341"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}