{"id":10568,"date":"2025-10-23T07:23:43","date_gmt":"2025-10-23T07:23:43","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=10568"},"modified":"2025-10-23T07:23:46","modified_gmt":"2025-10-23T07:23:46","slug":"araciniz-pert-olursa-ne-yapmalisiniz","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/araciniz-pert-olursa-ne-yapmalisiniz\/","title":{"rendered":"Arac\u0131n\u0131z Pert Olursa Ne Yapmal\u0131s\u0131n\u0131z?"},"content":{"rendered":"\n<p>Ara\u00e7lar; trafik kazas\u0131, do\u011fal afet, yang\u0131n ve benzeri durumlarda a\u011f\u0131r hasarlar alabilir. Bu hasar\u0131n boyutu \u00e7ok b\u00fcy\u00fck oldu\u011funda ise ara\u00e7 perte \u00e7\u0131kar. Pert kavram\u0131, tamir edilemeyecek kadar \u00e7ok hasar\u0131 olan veya onar\u0131m masraf\u0131n\u0131n \u00e7ok y\u00fcksek oldu\u011fu durumlardaki ara\u00e7lar i\u00e7in kullan\u0131l\u0131r. Bu olumsuz durumdan en az zararla kurtulmak i\u00e7in kasko \u00f6nemli bir g\u00fcvencedir. \u00c7\u00fcnk\u00fc kaskosu olan bir arac\u0131n pert olmas\u0131 durumunda sigorta \u015firketi, arac\u0131n de\u011feri kadar tazminat \u00f6der. Peki; araba perte nas\u0131l \u00e7\u0131kar, perte \u00e7\u0131kan ara\u00e7 i\u00e7in ne yap\u0131lmal\u0131 ve pert olan arac\u0131n paras\u0131n\u0131 sigorta ne kadar zamanda \u00f6der?<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u015eimdi, bu sorular\u0131n cevaplar\u0131na birlikte bakal\u0131m.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pert Kayd\u0131 \u0130\u00e7in Yap\u0131lmas\u0131 Gerekenler<\/strong><\/h2>\n\n\n\n<p>Bir kaza veya di\u011fer olaylar sonucunda arac\u0131n\u0131z\u0131n pert seviyesinde bir hasar ald\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, hasar\u0131n de\u011ferlendirilmesi i\u00e7in sigorta \u015firketine ba\u015fvuru yapmal\u0131s\u0131n\u0131z. Bu ba\u015fvuruyu olaydan sonra en ge\u00e7 5 g\u00fcn i\u00e7inde ger\u00e7ekle\u015ftirmelisiniz.&nbsp;<\/p>\n\n\n\n<p>Bu s\u00fcre\u00e7te sizden \u00e7e\u015fitli evraklar talep edilir. Pert ba\u015fvurusu i\u00e7in gerekli belgeler \u015fu \u015fekildedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kaza tespit tutana\u011f\u0131<\/li>\n\n\n\n<li>Ara\u00e7 ruhsat fotokopisi<\/li>\n\n\n\n<li>S\u00fcr\u00fcc\u00fcn\u00fcn ehliyet fotokopisi<\/li>\n\n\n\n<li>Arac\u0131n ald\u0131\u011f\u0131 hasarlar\u0131 g\u00f6steren foto\u011fraflar<\/li>\n\n\n\n<li>Alkol raporu<\/li>\n\n\n\n<li>Kasko ve trafik sigortas\u0131 poli\u00e7esi<\/li>\n\n\n\n<li>Poli\u00e7e primlerinin \u00f6dendi\u011fine dair makbuzlar<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ara\u00e7 Nas\u0131l Perte \u00c7\u0131kar?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"773\" height=\"451\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar.jpg\" alt=\"ara\u00e7 nas\u0131l perte \u00e7\u0131kar\" class=\"wp-image-10570\" style=\"width:780px;height:auto\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar.jpg 773w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar-300x175.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar-768x448.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar-738x430.jpg 738w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/arac-nasil-perte-cikar-585x341.jpg 585w\" sizes=\"auto, (max-width: 773px) 100vw, 773px\" \/><\/figure>\n\n\n\n<p>Arac\u0131n pert olmas\u0131 i\u00e7in hasar oran\u0131n\u0131n %60 ve \u00fczerinde olmas\u0131 gerekir. Bu oran, hasar\u0131n onar\u0131m masraf\u0131 ile arac\u0131n g\u00fcncel de\u011feri dikkate al\u0131narak hesaplan\u0131r. Onar\u0131m masraf\u0131, arac\u0131n de\u011ferinin %60\u2019\u0131n\u0131 ge\u00e7iyorsa ara\u00e7 pert olarak kaydedilir. S\u00fcrecin resmiyete ta\u015f\u0131nmas\u0131 i\u00e7in ise eksper raporu gerekir.&nbsp;<\/p>\n\n\n\n<p>Arac\u0131n\u0131z\u0131n pert kayd\u0131 i\u00e7in sigorta \u015firketine ba\u015fvurman\u0131z\u0131n ard\u0131ndan bir eksper g\u00f6revlendirilir. G\u00f6revlendirilen eksper; arac\u0131, hasar\u0131 ve hasara yol a\u00e7an olayla ilgili detaylar\u0131 inceler. Gerekli durumlarda ek belgeler de talep eder ve nihai rapor haz\u0131rlar. Raporun \u201ctam hasarl\u0131 (pert)\u201d olarak haz\u0131rlanmas\u0131 durumunda ara\u00e7 resmi olarak perte \u00e7\u0131kar.&nbsp;<\/p>\n\n\n\n<p>Perte \u00e7\u0131kan ara\u00e7la ilgili i\u015flemler tamamlan\u0131nca sigorta \u015firketi taraf\u0131ndan ara\u00e7 sahibine tazminat \u00f6denir. Maddi zarar kar\u015f\u0131lanabilece\u011fi i\u00e7in \u201cArac\u0131n perte \u00e7\u0131kmas\u0131 iyi midir?\u201d sorusu da s\u0131k\u00e7a sorulur. Arac\u0131n perte \u00e7\u0131kmas\u0131 i\u00e7in kaza, do\u011fal afet, yang\u0131n ve benzeri olumsuz bir olay ya\u015fanm\u0131\u015f olmas\u0131 gerekir. Bu da arac\u0131n perte \u00e7\u0131kmas\u0131n\u0131n iyi olmayan ve istenmeyen bir durum oldu\u011funu g\u00f6sterir.&nbsp;<\/p>\n\n\n\n<p>Maddi kay\u0131p minimumda olsa bile perte yol a\u00e7abilecek olaylar son derece risklidir. Yaralanma ve can kayb\u0131 gibi risklerin mevcut oldu\u011fu da unutulmamal\u0131d\u0131r. Ayr\u0131ca pert sonras\u0131 \u00f6denecek tazminat; poli\u00e7e \u015fartlar\u0131na g\u00f6re belirlenir. Ek olarak kasko poli\u00e7esinin tam kapsaml\u0131 olmamas\u0131 ve d\u00fc\u015f\u00fck teminatl\u0131 olmas\u0131, al\u0131nacak tazminat\u0131n da arac\u0131n de\u011ferinin alt\u0131nda kalmas\u0131na neden olabilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ara\u00e7 Pert De\u011feri Hesaplama<\/strong><\/h2>\n\n\n\n<p>Ara\u00e7 pert de\u011feri, arac\u0131n g\u00fcncel piyasa rayi\u00e7 bedelinden hurda (sovtaj) de\u011ferinin d\u00fc\u015f\u00fclmesiyle hesaplan\u0131r. Hesaplama s\u00fcrecinde sigorta mevzuatlar\u0131 s\u0131n\u0131rlar\u0131 i\u00e7erisinde kalmak kayd\u0131yla poli\u00e7e \u015fartlar\u0131 da dikkate al\u0131n\u0131r. Pert de\u011feri hesaplama form\u00fcl\u00fc ise \u015fu \u015fekildedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pert Bedeli = Rayi\u00e7 De\u011fer \u2212 Hurda De\u011feri<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u00d6rne\u011fin piyasa rayi\u00e7 bedeli 400.000 TL olan arac\u0131n\u0131zda kaza veya poli\u00e7e kapsam\u0131ndaki olaylardan birinin ger\u00e7ekle\u015fmesi sonucunda %80 oranl\u0131 320.000 TL tutar\u0131nda bir hasar olu\u015ftu\u011funu, sovtaj de\u011ferinin de 50.000 TL varsayal\u0131m. Bu durumda ara\u00e7 pert de\u011feri hesaplama i\u015flemi \u015fu \u015fekilde olur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rayi\u00e7 De\u011fer: 400.000 TL<\/li>\n\n\n\n<li>Sovtaj De\u011feri: 50.000 TL<\/li>\n\n\n\n<li>Pert Bedeli: 400.000 &#8211; 50.000 = 350.000 TL<\/li>\n<\/ul>\n\n\n\n<p>B\u00f6yle bir durumda kasko poli\u00e7eniz kapsam\u0131nda sigorta \u015firketi size 350.000 TL tazminat \u00f6der. 50.000 TL\u2019lik k\u0131s\u0131m ise sovtaj firmas\u0131 taraf\u0131ndan size \u00f6denir ve toplamda 400.000 TL\u2019lik \u00f6deme al\u0131rs\u0131n\u0131z. Peki, kaskosu olmayan bir ara\u00e7 pert olursa ne olur?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kaskosuz Ara\u00e7 Pert Olursa Ne Olur?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"725\" height=\"482\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/kaskosuz-arac-pert-olursa-ne-olur.jpg\" alt=\"kaskosuz ara\u00e7 pert olursa ne olur\" class=\"wp-image-10569\" style=\"width:780px;height:auto\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/kaskosuz-arac-pert-olursa-ne-olur.jpg 725w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/kaskosuz-arac-pert-olursa-ne-olur-300x199.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/kaskosuz-arac-pert-olursa-ne-olur-585x389.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2025\/10\/kaskosuz-arac-pert-olursa-ne-olur-263x175.jpg 263w\" sizes=\"auto, (max-width: 725px) 100vw, 725px\" \/><\/figure>\n\n\n\n<p>Kaskonuz yoksa ve arac\u0131n\u0131z pert olduysa maddi y\u00fck tamamen sizde olur. Pert olan arac\u0131n masraf\u0131n\u0131n kim taraf\u0131ndan kar\u015f\u0131lanaca\u011f\u0131 ise duruma g\u00f6re de\u011fi\u015fir. \u00d6rne\u011fin arac\u0131n\u0131z do\u011fal afet, yang\u0131n ve benzeri trafik d\u0131\u015f\u0131 olaylar sonucunda pert olduysa zarar\u0131 kar\u015f\u0131lamak tamamen sizin sorumlulu\u011funuzdad\u0131r. Trafik kazalar\u0131nda ise s\u00fcre\u00e7 Zorunlu Trafik Sigortas\u0131 kapsam\u0131nda de\u011ferlendirilir.<\/p>\n\n\n\n<p>Kaskosu olmayan arac\u0131n\u0131z trafik kazas\u0131 sonucu pert olduysa kazada hangi taraf\u0131n kusurlu oldu\u011fu belirleyici unsurdur. E\u011fer kusurlu sizseniz kar\u015f\u0131 taraf\u0131n masraf\u0131 sizin Zorunlu Trafik Sigortas\u0131 poli\u00e7eniz kapsam\u0131nda kar\u015f\u0131lan\u0131r. Fakat Zorunlu Trafik Sigortas\u0131 sizin arac\u0131n\u0131z\u0131 kapsamaz ve kusurlu oldu\u011funuz bir kazada kendi arac\u0131n\u0131z\u0131n t\u00fcm masraf\u0131 size aittir.<\/p>\n\n\n\n<p>Trafik kazas\u0131nda kar\u015f\u0131 taraf\u0131n kusurlu oldu\u011fu durumlarda ise maddi zarar kar\u015f\u0131 taraf\u0131n poli\u00e7esiyle kar\u015f\u0131lan\u0131r. Bu durumdaki sorun, Zorunlu Trafik Sigortas\u0131 teminatlar\u0131n\u0131n s\u0131n\u0131rl\u0131 olmas\u0131d\u0131r. Yani arac\u0131n\u0131z\u0131n de\u011ferinin \u00e7ok daha alt\u0131nda bir tazminat almak durumunda kalabilirsiniz. Masraf\u0131n\u0131z\u0131n tamamen kar\u015f\u0131lanmas\u0131yla ilgili hukuki s\u00fcre\u00e7 ba\u015flatabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>\u00d6zetle arac\u0131n\u0131za kasko yapt\u0131rman\u0131z her durumda son derece \u00f6nemlidir. \u00d6zellikle pert durumunda maddi kayb\u0131 minimuma indirmek ve zarar\u0131n kar\u015f\u0131lanmama riskini ortadan kald\u0131rmak i\u00e7in kasko yapt\u0131rmal\u0131s\u0131n\u0131z.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Perte \u00c7\u0131kan Ara\u00e7 Kimde Kal\u0131r?<\/strong><\/h2>\n\n\n\n<p>Perte \u00e7\u0131kan arac\u0131n kimde kalaca\u011f\u0131na ara\u00e7 sahibi karar verir. Genel uygulama, pert arac\u0131n m\u00fclkiyetinin sigorta \u015firketine ge\u00e7mesi \u015feklindedir. Fakat perte \u00e7\u0131kan arac\u0131n\u0131z\u0131 istiyorsan\u0131z bununla ilgili sigorta \u015firketine ba\u015fvuru yapabilirsiniz. Ba\u015fvurunuzun ard\u0131ndan sigorta \u015firketi, arac\u0131n\u0131z\u0131 size teslim eder.<\/p>\n\n\n\n<p>Perte \u00e7\u0131kan arac\u0131n kimde kald\u0131\u011f\u0131, \u00f6denecek pert tazminat\u0131 tutar\u0131n\u0131 da de\u011fi\u015ftirir. Arac\u0131n\u0131z\u0131 sigorta \u015firketine b\u0131rak\u0131rsan\u0131z sovtaj de\u011feri kesintisi yap\u0131lmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7erek daha y\u00fcksek tutarda pert tazminat\u0131 alabilirsiniz. Arac\u0131 almad\u0131\u011f\u0131n\u0131zda sigorta \u015firketi, arac\u0131 satarak sovtaj de\u011feri kayb\u0131n\u0131 telafi eder. Fakat arac\u0131 siz al\u0131rsan\u0131z sovtaj de\u011ferini d\u00fc\u015ferek tazminat \u00f6demesi yapar.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pert Olan Arac\u0131n Paras\u0131 Sigorta Taraf\u0131ndan Ne Zaman \u00d6denir?\u00a0<\/strong><\/h2>\n\n\n\n<p>Sigorta; pert araca, pert raporunun haz\u0131rlanmas\u0131n\u0131n ard\u0131ndan 10 g\u00fcn i\u00e7inde \u00f6deme yapar. Bu 10 g\u00fcnl\u00fck s\u00fcrenin ba\u015flang\u0131c\u0131 kaza g\u00fcn\u00fc de\u011fil, eksper raporunun d\u00fczenlenip sigorta \u015firketine teslim edildi\u011fi tarihtir. Yani olaydan 5 g\u00fcn sonra rapor haz\u0131rlan\u0131rsa tazminat \u00f6demesini toplamda 15 g\u00fcn i\u00e7inde al\u0131rs\u0131n\u0131z. Ayr\u0131ca eksper incelemesi, rapor haz\u0131rlanmas\u0131 ve tazminat\u0131n \u00f6denmesi toplamda 45 g\u00fcn\u00fc ge\u00e7emez. Yani pert olan arac\u0131n\u0131z\u0131n paras\u0131, sigorta taraf\u0131ndan maksimum 45 g\u00fcn i\u00e7inde size \u00f6denmi\u015f olur.&nbsp;<\/p>\n\n\n\n<p>MAPFRE Geni\u015fletilmi\u015f Kasko Sigortas\u0131 ile arac\u0131n\u0131z\u0131 pert ve di\u011fer olumsuz durumlara kar\u015f\u0131 g\u00fcvence alt\u0131na alabilir, \u00f6zenle y\u00fcr\u00fct\u00fclen hasar s\u00fcre\u00e7leri sayesinde zarar\u0131n\u0131z\u0131 yasal s\u00fcreler i\u00e7erisinde tazmin edebilirsiniz. Arac\u0131n\u0131zla ilgili pert ve di\u011fer olas\u0131 risklere kar\u015f\u0131 MAPFRE Sigorta her zaman yan\u0131n\u0131zda. Arac\u0131n\u0131z\u0131 g\u00fcvende tutmak i\u00e7in, MAPFRE Sigorta\u2019dan <a href=\"https:\/\/kasko.mapfre.com.tr\/auto\/#\/customer-info\" target=\"_blank\" rel=\"noreferrer noopener\">kasko<\/a> teklifi alabilirsiniz.<\/p>\n\n\n\n<p>MAPFRE Sigorta<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Arac\u0131n\u0131z\u0131n pert durumunda hasar tespiti, sigorta s\u00fcreci ve tazminat \u00f6demesi hakk\u0131nda bilmeniz gereken t\u00fcm ad\u0131mlar blog yaz\u0131m\u0131zda! <\/p>\n","protected":false},"author":19,"featured_media":10571,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[899,911,914],"class_list":["post-10568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-yasa","tag-ipucu","tag-oto-yasam","tag-yol-asistani"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10568","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=10568"}],"version-history":[{"count":1,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10568\/revisions"}],"predecessor-version":[{"id":10572,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10568\/revisions\/10572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/10571"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=10568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=10568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=10568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}