{"id":8311,"date":"2022-09-15T06:55:23","date_gmt":"2022-09-15T06:55:23","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=8311"},"modified":"2024-09-18T11:55:15","modified_gmt":"2024-09-18T11:55:15","slug":"ihtiyari-mali-mesuliyet-sigortasi","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/ihtiyari-mali-mesuliyet-sigortasi\/","title":{"rendered":"\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM) Nedir?"},"content":{"rendered":"\n<p>G\u00fcn i\u00e7inde trafikte bir\u00e7ok riskle kar\u015f\u0131la\u015fabiliyoruz. Bu riskleri g\u00fcvence alt\u0131na almak i\u00e7in ise oto sigorta \u00fcr\u00fcnleri kurtar\u0131c\u0131m\u0131z oluyor. Bu \u00fcr\u00fcnlerden Zorunlu Trafik Sigortas\u0131, trafik kazas\u0131 sonucu kar\u015f\u0131 tarafa verilen zarar\u0131, kasko sigortas\u0131 ise arac\u0131n\u0131zda meydana gelebilecek hasarlar\u0131, poli\u00e7ede belirtilen teminatlar ve limitler d\u00e2hilinde garanti alt\u0131na al\u0131yor. Peki, s\u00f6z konusu sigortalar\u0131n limitleri t\u00fcm masraflar\u0131 kar\u015f\u0131lamaya yetiyor mu?<\/p>\n\n\n\n<p>Bu soruya \u0130htiyari Mali Mesuliyet Sigortas\u0131 \u00fcr\u00fcn\u00fcn\u00fc a\u00e7\u0131klarken yan\u0131t vermekte fayda var. O halde \u015fimdi, \u0130MM nedir ve limitleri nelerdir, \u00f6\u011frenelim.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130htiyari Mali Mesuliyet Sigortas\u0131 Nedir?<\/strong><\/h2>\n\n\n\n<p>\u0130htiyari Mali Mesuliyet Sigortas\u0131 (\u0130MM) olarak bilinen Motorlu Kara Ta\u015f\u0131tlar\u0131 \u0130htiyari Mali Sorumluluk Sigortas\u0131, oto sigortalar\u0131n\u0131za ek olarak alabilece\u011finiz bir g\u00fcvencedir. \u0130MM, trafik sigortas\u0131n\u0131n tavan sigorta bedelinin toplam hasar\u0131 kar\u015f\u0131lamaya yetmedi\u011fi zaman devreye giren bir teminatt\u0131r. Yani kalan hasar\u0131 poli\u00e7ede yer alan limitlere g\u00f6re kar\u015f\u0131lar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130htiyari Mali Mesuliyet Genel \u015eartlar\u0131 Nedir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8315\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-teminatlari-nelerdir.jpg\" alt=\"\u0130MM Sigortas\u0131 Teminatlar\u0131 Nelerdir\" class=\"wp-image-8315\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-teminatlari-nelerdir.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-teminatlari-nelerdir-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-teminatlari-nelerdir-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-teminatlari-nelerdir-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u0130MM Sigortas\u0131n\u0131n \u015fartlar\u0131, sigorta poli\u00e7esinde belirtilen limit ve teminatlara g\u00f6re de\u011fi\u015fiklik g\u00f6sterir. Ancak genel olarak \u0130MM g\u00fcvencesi, trafik sigortan\u0131z\u0131n \u00f6deyemedi\u011fi k\u0131s\u0131mda sizin teminat\u0131n\u0131z olur. \u00c7\u00fcnk\u00fc \u0130MM sadece ortaya \u00e7\u0131kan maddi hasar\u0131 de\u011fil, manevi kay\u0131plar\u0131 da korumay\u0131 ama\u00e7lar. Yani kaza sonucu olu\u015fan \u00f6l\u00fcm veya sakatl\u0131k hallerinde de \u0130MM Sigortas\u0131, tazminat tutar\u0131n\u0131 poli\u00e7edeki \u015fartlar d\u00e2hilinde \u00f6der.&nbsp;<\/p>\n\n\n\n<p>\u0130MM sigortas\u0131n\u0131 \u015f\u00f6yle \u00f6rneklendirelim: Diyelim ki kaza sonucu kar\u015f\u0131 taraf\u0131n arac\u0131nda ortaya \u00e7\u0131kan masraf 300.000 TL ve sigorta poli\u00e7enizde belirtilen sigorta bedeli 100.000 TL olsun. Trafik sigortan\u0131z\u0131n sigorta bedeli olan 100.000 TL, anla\u015fmal\u0131 oldu\u011funuz sigorta \u015firketi taraf\u0131ndan \u00f6denir. Ancak kalan 200.000 TL\u2019yi sizin \u00f6demeniz gerekir. \u0130\u015fte, \u0130htiyari Mali Mesuliyet Sigortas\u0131 b\u00f6yle bir durumda cebinizden para \u00e7\u0131kmamas\u0131n\u0131 sa\u011flar ve kalan bedeli poli\u00e7e limitleri kapsam\u0131nda \u00f6der.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130htiyari Mali Mesuliyet Sigortas\u0131 Limitleri Nelerdir?<\/strong><\/h2>\n\n\n\n<p>\u0130MM Sigortas\u0131 i\u00e7in Geni\u015fletilmi\u015f Kasko Poli\u00e7esi d\u00fczenleyece\u011finiz s\u0131rada \u0130MM Sigortas\u0131 limitlerine dikkat etmeniz olduk\u00e7a \u00f6nemli. \u00c7\u00fcnk\u00fc bir talihsizlik sonucu b\u00fcy\u00fck \u00e7apl\u0131 bir kazaya kar\u0131\u015f\u0131rsan\u0131z \u00e7ok b\u00fcy\u00fck hasarlar ortaya \u00e7\u0131kabilir. Bunu uygun fiyatlarla sat\u0131n alabilece\u011finiz \u0130MM sayesinde kolayl\u0131kla kar\u015f\u0131layabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>\u0130MM limitleri 100.000 TL gibi limitlerde olabilece\u011fi gibi 1.000.000 TL gibi y\u00fcksek limitlerde de olabilir. Bu nedenle \u0130MM Sigorta limitinizi, sigorta poli\u00e7esini d\u00fczenleyece\u011finiz sigorta \u015firketiyle konu\u015farak \u00f6\u011frenmenizde fayda var.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130MM <\/strong><strong>Teminat\u0131<\/strong><strong> Kapsam\u0131 D\u0131\u015f\u0131nda Kalan Haller Nelerdir?<\/strong><\/h2>\n\n\n\n<p>\u0130htiyari Mali Mesuliyet teminat\u0131 kapsam\u0131, sigorta \u015firketlerine g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir. Ancak \u0130MM teminat\u0131 d\u0131\u015f\u0131nda kalan baz\u0131 durumlar\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Sigortal\u0131n\u0131n kendisinin u\u011frayaca\u011f\u0131 zararlar<\/li><li>Yedek akaryak\u0131t hari\u00e7 patlay\u0131c\u0131 maddelerin ta\u015f\u0131nmas\u0131 nedeniyle olu\u015fan hasarlar<\/li><li>Ara\u00e7ta onar\u0131m, bak\u0131m veya de\u011fi\u015fikliklerin yap\u0131lmas\u0131 y\u00fcz\u00fcnden meydana gelen kazan\u0131n sonucunda ortaya \u00e7\u0131kan masraflar<\/li><li>Yolcu bagaj\u0131 ve benzeri e\u015fyalar d\u0131\u015f\u0131nda poli\u00e7ede g\u00f6sterilen arac\u0131n ve bu ara\u00e7la ta\u015f\u0131nan mallar\u0131n ald\u0131\u011f\u0131 zararlar<\/li><li>H\u0131z yar\u0131\u015flar\u0131na kat\u0131lma sonucunda veya yar\u0131\u015f g\u00fczergah\u0131nda yap\u0131lan antrenmanlar s\u0131ras\u0131nda meydana gelebilecek hasarlar<\/li><\/ul>\n\n\n\n<p>\u0130MM teminat\u0131n\u0131 kasko poli\u00e7enizde sat\u0131n al\u0131rken sigorta \u015firketinizden teminat d\u0131\u015f\u0131nda kalan halleri ayr\u0131nt\u0131l\u0131 bir \u015fekilde \u00f6\u011frenmeniz \u00f6nemli. Bu noktada \u0130MM g\u00fcvencesine nas\u0131l sahip olunaca\u011f\u0131n\u0131 a\u00e7\u0131klaman\u0131n tam s\u0131ras\u0131.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8313\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-kapsami-nelerdir.jpg\" alt=\"\u0130MM Sigortas\u0131 Kapsam\u0131 Nelerdir\" class=\"wp-image-8313\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-kapsami-nelerdir.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-kapsami-nelerdir-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-kapsami-nelerdir-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2022\/09\/imm-sigortasi-kapsami-nelerdir-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130htiyari Mali Mesuliyet Sigortas\u0131\u2019na Nas\u0131l Sahip Olunur?<\/strong><\/h2>\n\n\n\n<p>\u0130MM g\u00fcvencesine sahip olabilmek \u00e7ok kolay. Yapman\u0131z gereken tek \u015fey, kasko sigortas\u0131 sahibi olmak ve kasko sigortan\u0131za ek teminat olarak \u0130MM teminat\u0131n\u0131 ekletmek.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Oto Sigortalar\u0131yla MAPFRE Sigorta Yan\u0131n\u0131zda!<\/strong><\/h2>\n\n\n\n<p>Siz de olas\u0131 bir kazada kendi arac\u0131n\u0131zda ortaya \u00e7\u0131kabilecek hasar\u0131 sigorta poli\u00e7esinde belirtilen limit ve \u015fartlar d\u00e2hilinde g\u00fcvence alt\u0131na almak istiyorsan\u0131z web sitemiz \u00fczerinden araban\u0131z\u0131n \u00f6zelliklerine ve ihtiya\u00e7lar\u0131n\u0131za \u00f6zel <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/kasko-sigortasi\/\" target=\"_blank\" rel=\"noreferrer noopener\">kasko sigortas\u0131 teklifi<\/a> alabilirsiniz. Ard\u0131ndan\u00a0 dilerseniz kasko sahibi olabilirsiniz. Ayr\u0131ca \u00f6ncesinde \u201c<a href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/kasko-neyi-karsilar-kasko-yaptirmanin-7-avantaji\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kasko Neyi Kar\u015f\u0131lar: Kasko Yapt\u0131rman\u0131n 7 Avantaj\u0131<\/a>\u201d ba\u015fl\u0131kl\u0131 yaz\u0131m\u0131zdan kasko sigortas\u0131 hakk\u0131nda daha fazla bilgi sahibi olabilirsiniz.\u00a0<\/p>\n\n\n\n<p>G\u00fcvenli s\u00fcr\u00fc\u015fler dileriz!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Oto sigortalar\u0131n\u0131n limitleri bazen hasarlar\u0131 kar\u015f\u0131lamaya yetmez. Ancak \u0130htiyari Mali Mesuliyet Sigortas\u0131 teminatlar\u0131 size b\u00fcy\u00fck g\u00fcvence sa\u011flar. Ayr\u0131nt\u0131lar\u0131 \u00f6\u011frenmek i\u00e7in t\u0131klay\u0131n.<\/p>\n","protected":false},"author":3,"featured_media":8314,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-8311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam","category-yasa","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8311","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=8311"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8311\/revisions"}],"predecessor-version":[{"id":8332,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8311\/revisions\/8332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8314"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}