{"id":7928,"date":"2024-05-02T09:22:56","date_gmt":"2024-05-02T06:22:56","guid":{"rendered":"https:\/\/es-exchange.com\/haberler\/?p=7928"},"modified":"2024-05-02T09:22:56","modified_gmt":"2024-05-02T06:22:56","slug":"trafik-sigortasina-yeni-duzenleme-hasar-maliyet-endeksi-geliyor","status":"publish","type":"post","link":"https:\/\/es-exchange.com\/haberler\/?p=7928","title":{"rendered":"Trafik sigortas\u0131na yeni d\u00fczenleme: Hasar maliyet endeksi geliyor"},"content":{"rendered":"
\n

\n\tSEDDK’nin, Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131nda (zorunlu trafik sigortas\u0131) 2023 Aral\u0131k’ta duyurdu\u011fu hasar maliyet endeksi uygulamas\u0131na bug\u00fcn itibar\u0131yla ba\u015fland\u0131.<\/p>\n

\n\tDe\u011fi\u015fen ekonomik ko\u015fullar\u0131 g\u00f6z \u00f6n\u00fcnde bulunduran SEDDK, sigortal\u0131n\u0131n menfaatlerinin korunmas\u0131 ve hasar prim dengesinde s\u00fcrd\u00fcr\u00fclebilirli\u011finin sa\u011flanmas\u0131 amac\u0131yla s\u00f6z konusu uygulamaya ge\u00e7ti.<\/p>\n

\n\tHasar maliyet endeksinin belirlenmesinde bir\u00e7ok kalem etkili olacak<\/strong><\/p>\n

\n\tZorunlu trafik sigortas\u0131 primlerinin belirlenmesinde referans noktas\u0131 olacak endeks, her ay asgari \u00fccret, yedek par\u00e7a, bak\u0131m-onar\u0131m ve motorlu ara\u00e7lardaki fiyat de\u011fi\u015fimleri dikkate al\u0131narak hesaplanacak.<\/p>\n

\n\tB\u00f6ylece \u00f6denecek prim miktar\u0131nda, ara\u00e7lar\u0131n modeli, ya\u015f\u0131 ve ikamet edilen b\u00f6lgenin yan\u0131 s\u0131ra endeksi olu\u015fturan fiyatlar\u0131n de\u011fi\u015fimleri de etkili olacak.<\/p>\n

\n\tHasar maliyet endeksinin hesaplanmas\u0131nda ayl\u0131k olarak, asgari \u00fccret art\u0131\u015f oran\u0131n\u0131n y\u00fczde 45’i, T\u00fcrkiye \u0130statistik Kurumunun a\u00e7\u0131klad\u0131\u011f\u0131 harcama endeksinde yer alan yedek par\u00e7a ve aksesuarlar fiyat art\u0131\u015f oran\u0131n\u0131n y\u00fczde 30’u, ayn\u0131 endeksteki motorlu ara\u00e7lar fiyat art\u0131\u015f oran\u0131n\u0131n y\u00fczde 15’i ve ki\u015fisel ula\u015ft\u0131rma ara\u00e7lar\u0131n\u0131n bak\u0131m ve onar\u0131m fiyat art\u0131\u015f oran\u0131n\u0131n y\u00fczde 10’u dikkate al\u0131nacak.<\/p>\n

\n\tSEDDK’nin yay\u0131mlad\u0131\u011f\u0131 genelgede, hasar maliyet endeksine g\u00f6re hesaplanan may\u0131s ay\u0131 prim art\u0131\u015f\u0131 azami y\u00fczde 3 olarak belirlendi. B\u00f6ylece sigorta \u015firketleri, zorunlu trafik sigortas\u0131 poli\u00e7e fiyatlar\u0131nda may\u0131s ay\u0131nda azami y\u00fczde 3 art\u0131\u015f yapabilecek.<\/p>\n

\n\t“Hasar maliyet endeksinde en \u00f6nemli kalem asgari \u00fccret art\u0131\u015f\u0131”<\/strong><\/p>\n

\n\t\u0130stanbul Ticaret Odas\u0131 (\u0130TO) Sigortac\u0131l\u0131k Meslek Komitesi Ba\u015fkan\u0131 \u00d6zg\u00fcr Y\u0131lmaz, hasar maliyet endeksinde en \u00f6nemli kalemin asgari \u00fccret art\u0131\u015f\u0131 oldu\u011funu belirterek, \u015funlar\u0131 kaydetti:<\/p>\n

\n\t“Hasarlar mevcut asgari \u00fccret d\u00fczeyine g\u00f6re belirleniyor. Bir i\u015f\u00e7inin maa\u015f\u0131n\u0131n art\u0131yor olmas\u0131, t\u00fcm maliyetlere yans\u0131d\u0131\u011f\u0131 i\u00e7in hasar onar\u0131m fiyat\u0131 da otomatikman artm\u0131\u015f oluyor. H\u00fck\u00fcmetten yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, asgari \u00fccrete ara zam olmayacak. Bu zamm\u0131n olmamas\u0131 hasar maliyet endeksini art\u0131rmayaca\u011f\u0131 i\u00e7in zorunlu trafik sigortas\u0131nda primlerin \u00e7ok fazla y\u00fckselece\u011fini d\u00fc\u015f\u00fcnm\u00fcyorum.”<\/em><\/p>\n

\n\tTrafik sigortalar\u0131nda belirlenen prim oran\u0131n\u0131n sekt\u00f6rdeki \u015firketlere olumsuz etkilerinden bahseden Y\u0131lmaz, kaskoda oldu\u011fu gibi serbest tarifeye ge\u00e7ilmesi gerekti\u011fini savundu.<\/p>\n

\n\tY\u0131lmaz, mevcut uygulamadan dolay\u0131 kaza yapmayan, hasars\u0131z s\u00fcr\u00fcc\u00fclerin de y\u00fcksek prim \u00fccretleriyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131n\u0131 \u00f6ne s\u00fcrerek, serbest tarifeye ge\u00e7ilmesiyle sigortal\u0131n\u0131n daha uygun primlerle poli\u00e7eye ula\u015fabilir hale gelebilece\u011fini s\u00f6yledi.<\/p>\n

\n\tSekt\u00f6r\u00fcn serbest tarife \u00f6ncesi yar\u0131 serbest tarifeye ge\u00e7ilmesi \u00f6nerisini de\u011ferlendiren Y\u0131lmaz, s\u00f6zlerini \u015f\u00f6yle tamamlad\u0131:<\/p>\n

\n\t“\u00dcst s\u0131n\u0131r\u0131n devlet taraf\u0131ndan belirlenece\u011fi bir tarifenin uygulanmas\u0131 daha m\u00fcmk\u00fcn. Bu tarife ile sigorta \u015firketlerinin hasardan elde edilen zarar\u0131 kurtarabilmek ad\u0131na primlendirmesini kendi yapabilece\u011fi bir aral\u0131k hakk\u0131 tan\u0131nabilir. Sekt\u00f6r temsilcilerinin otoriteye bu taleple gittiklerini biliyoruz. Bu \u00e7al\u0131\u015fmalar\u0131 da d\u00fc\u015f\u00fcn\u00fcrsek ben hasar maliyet endeksi uygulamas\u0131n\u0131 serbest tarifeye haz\u0131rl\u0131k olarak g\u00f6r\u00fcyorum.”<\/em><\/p>\n

\n
ET\u0130KETLER<\/div>\n
\n Trafik\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

SEDDK’nin, Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131nda (zorunlu trafik sigortas\u0131) 2023 Aral\u0131k’ta duyurdu\u011fu hasar…<\/p>\n","protected":false},"author":1,"featured_media":7929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[673,43,1369,2369,586,7223,3563,11],"class_list":["post-7928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-haberleri","tag-duzenleme","tag-endeksi","tag-geliyor","tag-hasar","tag-maliyet","tag-sigortasina","tag-trafik","tag-yeni"],"yoast_head":"\nTrafik sigortas\u0131na yeni d\u00fczenleme: Hasar maliyet endeksi geliyor - Es-Exchange Ekonomi Haberleri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/es-exchange.com\/haberler\/?p=7928\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trafik sigortas\u0131na yeni d\u00fczenleme: Hasar maliyet endeksi geliyor - 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