{"id":8865,"date":"2023-04-28T08:13:07","date_gmt":"2023-04-28T08:13:07","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=8865"},"modified":"2024-09-18T11:29:35","modified_gmt":"2024-09-18T11:29:35","slug":"ucuncu-sahis-mali-sorumluluk-sigortasi-nedir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/dusle\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir\/","title":{"rendered":"\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 Nedir?"},"content":{"rendered":"\n<p>Hayat\u0131m\u0131z\u0131n her alan\u0131nda ihtiyac\u0131m\u0131z olabilecek sigortalar; sa\u011fl\u0131ktan konuta, seyahatten otomobile kadar bir\u00e7ok alanda, poli\u00e7ede belirtilen teminatlar ve limitler d\u00e2hilinde bize ve \u00e7evremize g\u00fcvence sunan \u00fcr\u00fcnlerdir. B\u00f6ylece kar\u015f\u0131la\u015fabilece\u011fimiz k\u00f6t\u00fc s\u00fcrprizler sonucunda olu\u015fabilecek maddi kay\u0131plar\u0131 sigortalar sayesinde garanti alt\u0131na al\u0131r\u0131z. 3. \u015eah\u0131s Mali Mesuliyet Sigortas\u0131 da \u00e7ok say\u0131da riski garanti alt\u0131na alan sigortalardan biridir.<\/p>\n\n\n\n<p>O halde \u015fimdi, \u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 hakk\u0131nda merak ettiklerinizi yan\u0131tlayal\u0131m.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nc-ah-s-mali-sorumluluk-sigortas-nedir\"><strong>\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 Nedir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"482\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir.jpeg\" alt=\"\" class=\"wp-image-8868\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir.jpeg 723w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir-300x200.jpeg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir-585x390.jpeg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigortasi-nedir-263x175.jpeg 263w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\" \/><\/figure>\n\n\n\n<p>Sigortal\u0131n\u0131n, ger\u00e7ek veya t\u00fczel ki\u015fi olarak kendisinin ya da nam\u0131na \u00e7al\u0131\u015fan personelin faaliyetleri s\u0131ras\u0131nda talihsiz olaylarla kar\u015f\u0131la\u015fmas\u0131 sonucu 3. ki\u015filerde ortaya \u00e7\u0131kan maddi ve bedeni zararlar\u0131n sigortal\u0131ya sorumluluk do\u011furmas\u0131 durumunda poli\u00e7ede belirtilen limit ve teminatlar d\u00e2hilinde sigortal\u0131ya ait tazminat\u0131n kar\u015f\u0131lanmas\u0131n\u0131 garanti alt\u0131na alan sigorta t\u00fcr\u00fcd\u00fcr. Yani sigortal\u0131n\u0131n kendisinin veya \u00e7al\u0131\u015fanlar\u0131n\u0131n neden oldu\u011fu bedeni-maddi zararlar\u0131 teminat alt\u0131na al\u0131r. 3. \u015fah\u0131slarda olu\u015fabilecek zararlar, do\u011frudan veya dolayl\u0131 \u015fekilde ger\u00e7ekle\u015febilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/strong><\/h2>\n\n\n\n<p>Bu sigorta t\u00fcr\u00fcn\u00fc daha iyi anlayabilmek ad\u0131na \u00f6rnekle a\u00e7\u0131klamak gerekirse; bir i\u015f yerinde \u00e7al\u0131\u015fan\u0131n sorumlulu\u011fu, fabrikadaki makinelerden birini kullanmak olsun. O s\u0131rada olay mahalinde bulunan m\u00fc\u015fterinin ya da ziyaret\u00e7inin makine nedeniyle zarar g\u00f6rmesi durumunda bu sigorta devreye girer. Yani sigorta, sigortal\u0131 yerine ge\u00e7erek yaralanan ki\u015fiye h\u00fckmedilen tazminat\u0131 \u00f6der.&nbsp;<\/p>\n\n\n\n<p>Bu sigorta kapsam\u0131nda \u00f6deme, zarar g\u00f6ren ki\u015fiye yani \u201c3. ki\u015fiye\u201d yap\u0131l\u0131r, sigortal\u0131n\u0131n kendisi tazminat almaz. Ancak i\u015f yerinde \u00e7al\u0131\u015fan ki\u015finin bu sigortas\u0131 olmasayd\u0131 ayn\u0131 tazminat\u0131 sigorta \u015firketi yerine kendisinin \u00f6demesi gerekirdi.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 Kapsam\u0131 Nedir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigorta-kapsami-nedir.jpeg\" alt=\"\" class=\"wp-image-8869\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigorta-kapsami-nedir.jpeg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigorta-kapsami-nedir-300x200.jpeg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigorta-kapsami-nedir-585x390.jpeg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/ucuncu-sahis-mali-sorumluluk-sigorta-kapsami-nedir-263x175.jpeg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n\n\n\n<p>Sigortan\u0131n kapsam\u0131 en basit haliyle \u00fc\u00e7\u00fcnc\u00fc ki\u015finin vefat\u0131, yaralanmas\u0131 veya sakat kalmas\u0131 nedeniyle ortaya \u00e7\u0131kan tazminat talepleri ile \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara ait mallar\u0131n, maddi zarara ve hasara u\u011framas\u0131 neticesinde olu\u015facak tazminat taleplerini kapsar. Teminatlar\u0131n genel kapsam\u0131 i\u00e7in \u00f6nemli olan poli\u00e7ede belirtilen limit ve teminatlard\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 Kapsam\u0131 D\u0131\u015f\u0131nda Kalan Haller Nelerdir?<\/strong><\/h2>\n\n\n\n<p>Di\u011fer sigorta t\u00fcrlerinde oldu\u011funu gibi kasti \u015fekilde ve isteyerek bir \u015feye ya da birine zarar verilmesi sonucu ortaya \u00e7\u0131kan hasar, bu sigorta kapsam\u0131na girmez. Tabii ba\u015fka teminat d\u0131\u015f\u0131 haller de bulunur. Bunlardan baz\u0131lar\u0131n\u0131 \u015fu \u015fekilde s\u0131ralayal\u0131m:<br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Harp, ihtilal, isyan, ayaklanma, ter\u00f6r, grev ve el koyma hallerinden do\u011fan zararlar&nbsp;<\/li>\n\n\n\n<li>Sel bask\u0131n\u0131, heyelan veya yang\u0131n gibi felaketler sonucunda ortaya \u00e7\u0131kan zararlar<\/li>\n\n\n\n<li>Aksi poli\u00e7ede belirtilmedik\u00e7e asans\u00f6r sorumluluk teminat\u0131 kapsam d\u0131\u015f\u0131d\u0131r.<\/li>\n<\/ul>\n\n\n\n<p>Ayr\u0131ca \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar\u0131n talep edebilece\u011fi manevi zararlar\u0131n da teminat kapsam\u0131 d\u0131\u015f\u0131nda oldu\u011funu belirtelim. \u00c7\u00fcnk\u00fc bu sigortayla sadece \u015firket faaliyetleri nedeniyle \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar\u0131n kar\u015f\u0131la\u015fabilecekleri maddi ve bedeni zararlar, poli\u00e7ede belirtilen limitler d\u00e2hilinde garanti alt\u0131na al\u0131n\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131n\u0131n Kullan\u0131labilece\u011fi Alanlar<\/strong><\/h2>\n\n\n\n<p>3. ki\u015filere gelebilecek zararlar\u0131 teminat alt\u0131na alabilece\u011finiz \u00e7ok say\u0131da alan mevcut. Sigortay\u0131 kullanabilece\u011finiz bu alanlar\u0131n en yayg\u0131n olanlar\u0131n\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E\u011fitim kurumlar\u0131 kazalar\u0131<\/li>\n\n\n\n<li>Garaj, otopark veya tamirhane kazalar\u0131<\/li>\n\n\n\n<li>Asans\u00f6r kazalar\u0131<\/li>\n\n\n\n<li>Otel veya lokanta kazalar\u0131<\/li>\n\n\n\n<li>Bina sahip ve y\u00f6neticilerinin kar\u015f\u0131la\u015fabilece\u011fi kazalar<\/li>\n\n\n\n<li>Servis istasyonu veya benzin istasyonu kazalar\u0131<\/li>\n<\/ul>\n\n\n\n<p>Faaliyet alan\u0131n\u0131z hangisi olursa olsun i\u015f s\u00fcre\u00e7lerinizde herhangi bir aksilik sonucu \u00e7evrenizde bulunan ki\u015filere sizin ya da nam\u0131n\u0131za \u00e7al\u0131\u015fanlar\u0131n zarar verme ihtimali maalesef her zaman m\u00fcmk\u00fcn. B\u00f6yle bir durumda yard\u0131mc\u0131n\u0131z MAPFRE Sigorta olabilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>MAPFRE Sigorta ile G\u00fcvende Olun!<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/mapfre-sigorta-ile-guvende-olun.jpeg\" alt=\"\" class=\"wp-image-8870\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/mapfre-sigorta-ile-guvende-olun.jpeg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/mapfre-sigorta-ile-guvende-olun-300x200.jpeg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/mapfre-sigorta-ile-guvende-olun-585x390.jpeg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/04\/mapfre-sigorta-ile-guvende-olun-263x175.jpeg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n\n\n\n<p>MAPFRE Sigorta olarak \u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 \u00fcr\u00fcn\u00fcm\u00fcz\u00fc sunuyoruz. Bu sigorta sayesinde mesleki faaliyetleriniz s\u0131ras\u0131nda ya\u015fayabilece\u011finiz size sorumluluk do\u011furabilecek talihsiz olaylar sonucunda \u00e7evrenize gelecek zararlara ba\u011fl\u0131 tazminat taleplerini g\u00fcvence alt\u0131na alabilirsiniz.<\/p>\n\n\n\n<p>Dilerseniz <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/kurumsal\/sorumluluk-sigortalari\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131<\/a> \u00fcr\u00fcn sayfam\u0131z\u0131 ziyaret edebilir ve ayr\u0131nt\u0131l\u0131 bilgiye ula\u015fabilirsiniz.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/\" target=\"_blank\" rel=\"noreferrer noopener\">MAPFRE Sigorta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Sorumluluk Sigortas\u0131 nedir ve neleri kapsar?&#8221; sorusunun ve daha fazlas\u0131n\u0131n cevaplar\u0131 bu yaz\u0131m\u0131zda. Ayr\u0131nt\u0131l\u0131 bilgi almak i\u00e7in t\u0131klay\u0131n.<\/p>\n","protected":false},"author":3,"featured_media":8867,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[886],"tags":[],"class_list":["post-8865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dusle"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8865","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=8865"}],"version-history":[{"count":2,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8865\/revisions"}],"predecessor-version":[{"id":8872,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8865\/revisions\/8872"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8867"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}