{"id":3428,"date":"2019-05-06T07:20:47","date_gmt":"2019-05-06T07:20:47","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=3428"},"modified":"2024-09-18T12:53:49","modified_gmt":"2024-09-18T12:53:49","slug":"trafik-sigortasi-ve-kasko-nedir-aralarindaki-farklar-nelerdir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/trafik-sigortasi-ve-kasko-nedir-aralarindaki-farklar-nelerdir\/","title":{"rendered":"Trafik Sigortas\u0131 ve Kasko Nedir? Aralar\u0131ndaki Farklar Nelerdir?"},"content":{"rendered":"<p>S\u0131k\u00e7a birbiri ile kar\u0131\u015ft\u0131r\u0131lan, asl\u0131nda birbirini tamamlayan iki ayr\u0131 sigorta t\u00fcr\u00fc olan Zorunlu Trafik Sigortas\u0131 ve Kasko Sigortas\u0131 yapt\u0131rma s\u00fcrecinde ma\u011fduriyet ya\u015famamak i\u00e7in kapsad\u0131klar\u0131 alanlar\u0131, poli\u00e7e detaylar\u0131n\u0131 ve aralar\u0131ndaki farklar\u0131 iyi bilmek gerekir. \u015eimdi, iki sigorta t\u00fcr\u00fcn\u00fcn ayr\u0131nt\u0131lar\u0131n\u0131 payla\u015fal\u0131m, Zorunlu Trafik Sigortas\u0131 ve kasko fark\u0131 nedir a\u00e7\u0131kl\u0131\u011fa kavu\u015ftural\u0131m.<!--more--><\/p>\n<h2><strong data-rich-text-format-boundary=\"true\">Trafik Sigortas\u0131 Nedir? Neden Gereklidir?<\/strong><\/h2>\n<p>\u201cKarayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131\u201d veya k\u0131sa ad\u0131yla Zorunlu Trafik Sigortas\u0131, Karayollar\u0131 Trafik Kanunu gere\u011fince yapt\u0131r\u0131lmas\u0131 zorunlu olan, herhangi bir trafik kazas\u0131 halinde kar\u015f\u0131 taraf\u0131n (\u00fc\u00e7\u00fcnc\u00fc ki\u015filer) mal\u0131na ya da can\u0131na verilen zarar\u0131, sigorta poli\u00e7esinin d\u00e2hilinde kar\u015f\u0131layan sigorta t\u00fcr\u00fcd\u00fcr.<br data-rich-text-line-break=\"true\" \/>T\u00fcrkiye&#8217;deki en yayg\u0131n sigorta \u00e7e\u015fitlerinden biri olan Trafik Sigortas\u0131, ayn\u0131 zamanda sorumluluk sigortas\u0131 kapsam\u0131na girmektedir ve bu y\u00fczden 3. \u015fah\u0131slara verilen maddi ve bedensel hasarlar\u0131 kapsar. Buna ek olarak bu sigorta t\u00fcr\u00fcn\u00fcn herhangi bir kaza halinde ait oldu\u011fu arac\u0131n ya da poli\u00e7e sahibinin alaca\u011f\u0131 zararlar\u0131 kar\u015f\u0131lamayaca\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izelim. Yani kazaya kar\u0131\u015fan ara\u00e7 sahibi bu sigortay\u0131 kasko yerine kullan\u0131lamaz.<\/p>\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/kasko-nedir.jpg\" alt=\"\" class=\"wp-image-3434\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/kasko-nedir.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/kasko-nedir-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/kasko-nedir-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/kasko-nedir-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kasko Nedir? Neden Gereklidir?<\/strong><\/h2>\n\n\n\n<p>\u201cKara Ta\u015f\u0131tlar\u0131 Sigortas\u0131\u201d veya k\u0131sa ismiyle Kasko Sigortas\u0131; bir arac\u0131n kaza yapmas\u0131, yanmas\u0131, \u00e7al\u0131nmas\u0131 ya da \u00e7al\u0131nma giri\u015fimi gibi durumlar sonucunda alaca\u011f\u0131 zararlar\u0131n poli\u00e7e s\u0131n\u0131rlar\u0131 d\u00e2hilinde giderilmesini kapsayan sigorta \u00e7e\u015fididir. Ek teminatlar sayesinde g\u00fcvenceler geni\u015fletilebilir. Bu nedenle Kasko Sigortas\u0131 teminatlar\u0131n\u0131 sigortay\u0131 yapt\u0131r\u0131rken incelemeniz olduk\u00e7a faydal\u0131d\u0131r. <\/p>\n\n\n\n<p>Herhangi bir zorunlulu\u011fu bulunmayan ve kaza durumlar\u0131nda kar\u015f\u0131 taraf\u0131n de\u011fil; ait oldu\u011fu arac\u0131n zararlar\u0131n\u0131 kar\u015f\u0131layan Kasko Sigortas\u0131, yap\u0131lan poli\u00e7enin kurallar\u0131na g\u00f6re hasar\u0131n bir k\u0131sm\u0131n\u0131 ya da tamam\u0131n\u0131 kar\u015f\u0131lar. Burada belirleyici olan ise kasko poli\u00e7esinde belirtilmi\u015f teminatlard\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/trafik-sigortasi-nedir.jpg\" alt=\"\" class=\"wp-image-3437\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/trafik-sigortasi-nedir.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/trafik-sigortasi-nedir-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/trafik-sigortasi-nedir-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/trafik-sigortasi-nedir-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Trafik Sigortas\u0131 ve Kasko Aras\u0131ndaki Farklar<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Trafik Sigortas\u0131 ve Kasko Sigortas\u0131 aras\u0131ndaki en temel fark; birinin zorunlu, di\u011ferinin ise iste\u011fe ba\u011fl\u0131 olmas\u0131d\u0131r. Bu y\u00fczden trafik sigortas\u0131 yapt\u0131rmadan arac\u0131n\u0131z\u0131 kullanamazs\u0131n\u0131z, ancak kasko i\u00e7in bu tarz bir mecburiyetiniz yoktur.<\/li><li>Zorunlu Trafik Sigortas\u0131 herhangi bir kaza halinde kar\u015f\u0131 tarafta olu\u015fabilecek zararlar\u0131 kapsarken kasko, kendi arac\u0131n\u0131zla ilgili hasarlar\u0131 kar\u015f\u0131lar. Trafik Sigortas\u0131\u2019n\u0131n avantajlar\u0131, kar\u015f\u0131 taraf\u0131n ma\u011fduriyetini \u00f6nlemeye y\u00f6nelik avantajlard\u0131r. Kaskonun faydalar\u0131 ise poli\u00e7e sahibinin ma\u011fduriyetini \u00f6nlemeye y\u00f6neliktir.<\/li><li>Trafik Sigortas\u0131\u2019n\u0131n s\u0131n\u0131rlar\u0131n\u0131 devlet belirler ve sabittir. Bu nedenle olu\u015fabilecek kaza durumlar\u0131nda kar\u015f\u0131 taraf\u0131n maddi ve bedensel zararlar\u0131 belirli limitler d\u00e2hilinde kar\u015f\u0131lan\u0131r. \u00d6rne\u011fin kar\u015f\u0131 tarafta olu\u015fan hasar\u0131n toplam tutar\u0131 50.000 TL ve Trafik Sigortas\u0131n\u0131n \u00fcst limiti ise 36.000 TL olsun. Bu durumda kazan\u0131n olu\u015fmas\u0131nda pay\u0131 olan ki\u015fi geri kalan 14.000 TL i\u00e7in Trafik Sigortas\u0131 \u015firketi taraf\u0131ndan destek alamaz ve bu limit a\u015f\u0131m\u0131n\u0131 kendi imk\u00e2nlar\u0131yla kar\u015f\u0131lamak zorundad\u0131r. Kaskoda ise poli\u00e7e kapsam\u0131 geni\u015fletilebildi\u011fi i\u00e7in s\u0131n\u0131rlar\u0131 sigorta sahibinin kendisi belirler.<\/li><li>Zorunlu Trafik Sigortas\u0131\u2019n\u0131n teminat limitleri belirli oranlarda olsa da Trafik Sigortas\u0131 fiyatlar\u0131 serbest tarife \u00fczerinden ger\u00e7ekle\u015ftirilir. Bu noktada izlenebilecek en mant\u0131kl\u0131 yol; en uygun trafik sigortas\u0131n\u0131 ara\u015ft\u0131r\u0131p onu yapt\u0131rmakt\u0131r. Ancak kasko i\u00e7in ayn\u0131 durum ge\u00e7erli de\u011fildir. Kasko fiyatlar\u0131 poli\u00e7enin neleri kapsad\u0131\u011f\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6sterdi\u011finden temel ama\u00e7, kaskonun en ucuzunu de\u011fil en avantajl\u0131s\u0131n\u0131 bulmakt\u0131r.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>MAPFRE Sigorta ile Yolculuklar\u0131n\u0131z\u0131 G\u00fcvence Alt\u0131na Al\u0131n<\/strong><\/h2>\n\n\n\n<p>T\u00fcm d\u00fcnyada en \u00e7ok tercih edilen ula\u015f\u0131m \u015fekli olan kara yolu, ayn\u0131 zamanda en y\u00fcksek kaza oran\u0131na sahip olan ula\u015f\u0131m \u015fekli. Bu nedenle MAPFRE Sigorta\u2019dan ihtiyac\u0131n\u0131za uygun <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/oto\/oto\/kasko-sigortasi\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Kasko Sigortas\u0131<\/a>\u2019n\u0131 ve <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/oto\/oto\/zorunlu-trafik-sigortasi\/\">Zorunlu Trafik Sigortas\u0131<\/a>\u2019n\u0131 yapt\u0131rarak hem maddi hem de manevi g\u00fcvenceye ula\u015fabilirsiniz.<br><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0131k\u00e7a birbiri ile kar\u0131\u015ft\u0131r\u0131lan, asl\u0131nda birbirini tamamlayan iki ayr\u0131 sigorta t\u00fcr\u00fc olan Zorunlu Trafik Sigortas\u0131 ve Kasko Sigortas\u0131 yapt\u0131rma s\u00fcrecinde&hellip;<\/p>\n","protected":false},"author":3,"featured_media":3431,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[899,911,914],"class_list":["post-3428","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\/3428","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=3428"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3428\/revisions"}],"predecessor-version":[{"id":6762,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3428\/revisions\/6762"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/3431"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=3428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=3428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=3428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}