{"id":200,"date":"2010-12-19T13:55:25","date_gmt":"2010-12-19T11:55:25","guid":{"rendered":"http:\/\/www.imaxi.net\/?p=200"},"modified":"2018-02-28T15:55:45","modified_gmt":"2018-02-28T13:55:45","slug":"kaskoyu-kim-buldu","status":"publish","type":"post","link":"https:\/\/www.ilkkimbuldu.com\/?p=200","title":{"rendered":"Kaskoyu kim buldu"},"content":{"rendered":"

Ara\u00e7 sigortas\u0131 yani bu g\u00fcnk\u00fc ad\u0131yla kasko sigortas\u0131 \u0130ngiltere’de, General Accident Co. adl\u0131 \u015firket taraf\u0131ndan 2 Kas\u0131m 1896’dan itibaren uygulanmaya ba\u015fland\u0131. Sir Francis Norie-Miller’\u0131n an\u0131lar\u0131na g\u00f6re, ilk g\u00fcn hemen hemen hepsi ayn\u0131 anda birka\u00e7 poli\u00e7e birden d\u00fczenlendi. \u00dc\u00e7\u00fcnc\u00fc \u015fah\u0131slar\u0131 da sigorta kapsam\u0131na alan ilk \u00fclke Norve\u00e7’tir. Bu uygulama, Norve\u00e7’te 1912 y\u0131l\u0131ndan itibaren ba\u015flat\u0131ld\u0131.<\/p>\n

Birinci D\u00fcnya Sava\u015f\u0131’ndan sonra kentsel alanlarda arabalar\u0131n kullan\u0131m\u0131\u00a0yayg\u0131nla\u015fmaya\u00a0ba\u015flad\u0131. Arabalar daha h\u0131zl\u0131 ve\u00a0nispeten daha\u00a0tehlikeli olmaya ba\u015flam\u0131\u015ft\u0131.\u00a0Ancak d\u00fcnyan\u0131n herhangi bir yerinde hala zorunlu bir araba sigortas\u0131 uygulamas\u0131\u00a0yoktu. Bu, kazazede herhangi bir tazminat alamayaca\u011f\u0131 ve s\u00fcr\u00fcc\u00fclerin \u00e7o\u011fu zaman ara\u00e7lar\u0131nda olu\u015fan zararlar i\u00e7in \u00f6nemli maliyetlerle kar\u015f\u0131 kar\u015f\u0131ya kalacaklar\u0131 anlam\u0131na geliyordu.<\/p>\n

Zorunlu bir trafik\u00a0sigortas\u0131 ilk kez \u0130ngilterede 1930 Yol Trafi\u011fi Yasas\u0131’yla getirildi. Bu, t\u00fcm ara\u00e7 sahiplerinin ve ara\u00e7 s\u00fcr\u00fcc\u00fclerinin, ara\u00e7 kamuya a\u00e7\u0131k bir yerde ve \u015fekilde kullan\u0131ld\u0131klar\u0131nda yaralanma ya da \u00f6l\u00fcm nedeniyle \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara kar\u015f\u0131 sorumluluklar\u0131 nedeniyle sigortalanmas\u0131n\u0131 sa\u011flad\u0131. Almanya 1939’da benzer bir sigorta yasas\u0131 \u00e7\u0131kard\u0131.<\/p>\n

Kara ta\u015f\u0131tlar\u0131 sigortas\u0131<\/b> ya da k\u0131saca kasko<\/b>; bir arac\u0131n kaza ge\u00e7irmesi, yanmas\u0131, \u00e7al\u0131nmas\u0131 veya \u00e7al\u0131nmaya te\u015febb\u00fcs edilmesi sonucu olu\u015fabilecek zararlar\u0131 g\u00fcvence alt\u0131na alan bir sigorta s\u00f6zle\u015fmesi.\u00a0Trafik sigortas\u0131ndan farkl\u0131 olarak, poli\u00e7e sahibinin kendi arac\u0131n\u0131n hasar\u0131n\u0131 da k\u0131smen veya tamamen kar\u015f\u0131lar. Trafik sigortas\u0131n\u0131n aksine, zorunlu de\u011fildir.<\/p>\n

Kasko s\u00f6zc\u00fc\u011f\u00fc T\u00fcrk\u00e7eye \u0130talyanca casco (kaza) s\u00f6zc\u00fc\u011f\u00fcnden ge\u00e7mi\u015ftir.<\/p>\n

Kasko Sigortas\u0131 Teminatlar\u0131:<\/h2>\n
    \n
  1. \u00c7arpma-\u00e7arp\u0131lma<\/li>\n
  2. Yanma<\/li>\n
  3. \u00c7al\u0131nma<\/li>\n<\/ol>\n

    Kasko sigortas\u0131 genel \u015fartlar\u0131 izin verdi\u011finden, bu teminatlardan biri, ikisi veya hepsi i\u00e7in poli\u00e7e d\u00fczenlenebilir. Ge\u00e7mi\u015fte bu \u00fc\u00e7 teminat aras\u0131ndan bir ya da ikisini se\u00e7erek yap\u0131lan poli\u00e7eler daha yayg\u0131nd\u0131. \u00dc\u00e7 teminat\u0131 birden veren poli\u00e7elere tam kasko<\/i> veya halk aras\u0131nda full kasko<\/i> deniyordu.<\/p>\n

    Kasko sigortas\u0131 genel \u015fartlar\u0131na g\u00f6re, \u00e7arpma-\u00e7arp\u0131lma teminat\u0131na “\u00fc\u00e7\u00fcnc\u00fc ki\u015filerin k\u00f6t\u00fc niyet veya muziplikle yapt\u0131klar\u0131 hareketler” de dahildir. \u00d6rne\u011fin otomobillerin boyalar\u0131n\u0131n sert bir cisimle kasten \u00e7izilmesi \u015feklinde ger\u00e7ekle\u015fen vandall\u0131k hasarlar\u0131na kar\u015f\u0131 koruma verilmektedir.<\/p>\n

    Zamanla artan rekabet ko\u015fullar\u0131 alt\u0131nda \u00fc\u00e7 teminat\u0131n birlikte verilmesi yayg\u0131nla\u015ft\u0131\u011f\u0131 ve neredeyse standart h\u00e2l ald\u0131\u011f\u0131 gibi, Kasko poli\u00e7eleri daha ba\u015fka teminatlarla da zenginle\u015ftirildi. \u00d6rne\u011fin deprem, sel basmas\u0131 gibi felaket hasarlar\u0131 17 A\u011fustos 1999 depremi sonras\u0131nda pek \u00e7ok sigorta \u015firketi taraf\u0131ndan standart kasko teminatlar\u0131na eklendi.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Ara\u00e7 sigortas\u0131 yani bu g\u00fcnk\u00fc ad\u0131yla kasko sigortas\u0131 \u0130ngiltere’de, General Accident Co. adl\u0131 \u015firket taraf\u0131ndan 2 Kas\u0131m 1896’dan itibaren uygulanmaya ba\u015fland\u0131. Sir Francis Norie-Miller’\u0131n an\u0131lar\u0131na g\u00f6re, ilk g\u00fcn hemen hemen…<\/p>\n","protected":false},"author":1,"featured_media":10419,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,22],"tags":[162,1132,2834],"class_list":["post-200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-toplum","tag-kasko","tag-sigorta","tag-trafik-sigortasi"],"_links":{"self":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/200"}],"collection":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=200"}],"version-history":[{"count":6,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/200\/revisions"}],"predecessor-version":[{"id":10420,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/200\/revisions\/10420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/media\/10419"}],"wp:attachment":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}