\u0130stanbul Sigorta Acenteleri Derne\u011fi Onursal Ba\u015fkan\u0131 Turusan Ba\u011fc\u0131, AA muhabirinin elektrikli scooter kullan\u0131m\u0131nda sigorta poli\u00e7esinin \u00f6nemine ili\u015fkin sorular\u0131n\u0131 yan\u0131tlad\u0131. E-scooter kazalar\u0131n\u0131n say\u0131s\u0131n\u0131n \u00f6nemsenmeyecek kadar az olmad\u0131\u011f\u0131na ve kazalar\u0131n artt\u0131\u011f\u0131na dikkati \u00e7eken Ba\u011fc\u0131, \u00f6l\u00fcmle ve y\u00fcksek maddi tazminatlarla sonu\u00e7lanan hasarlar olmaya ba\u015flad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n
Resmi Gazete’de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe giren “Elektrikli Skuter Y\u00f6netmeli\u011fi” ile kurallara uymayanlara ceza kesilmeye ba\u015fland\u0131\u011f\u0131n\u0131 dile getiren Ba\u011fc\u0131, “Burada sigorta bo\u015flu\u011fu s\u00f6z konusu oldu. Bununla ilgili bir yasa, y\u00f6netmelik beklentisi vard\u0131 ancak bir t\u00fcrl\u00fc gelmedi. Ciddi sorunlar ya\u015famaya ba\u015flad\u0131k. \u00d6rne\u011fin bir e-scooter kullan\u0131c\u0131s\u0131 ters y\u00f6ne giriyor, bir ara\u00e7la \u00e7arp\u0131\u015f\u0131yor ve e-scooter s\u00fcr\u00fcc\u00fcs\u00fc a\u011f\u0131r yaralan\u0131yor, uzun bir s\u00fcre yo\u011fun bak\u0131mda kal\u0131yor, tedavi masraf\u0131 \u00f6d\u00fcyor. Daha sonra kar\u015f\u0131 taraf\u0131n sigorta \u015firketinin a\u00e7t\u0131\u011f\u0131 tazminat davas\u0131yla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131yor. Sigorta \u015firketi hakl\u0131 \u00e7\u00fcnk\u00fc kusurlu taraf, kusursuz tarafa verdi\u011fi hasar\u0131 \u00f6demek zorunda. E-scooter s\u00fcr\u00fcc\u00fcs\u00fc ters y\u00f6ne girdi, kurallara uymad\u0131, arabaya zarar verdiyse maddi zarar\u0131 \u00f6demek zorunda. Bunlar\u0131 ortadan kald\u0131rmak i\u00e7in mutlaka sigorta olmal\u0131.” diye konu\u015ftu.<\/p>\n
Ba\u011fc\u0131, bu konudaki \u00e7\u00f6z\u00fcm \u00f6nerilerini \u015f\u00f6yle s\u0131ralad\u0131:<\/p>\n
“Birinci \u00e7\u00f6z\u00fcm \u00f6nerisi, e-scooter kiralayan \u015firketlerin sigorta yapma zorunlulu\u011fu, yani kullan\u0131c\u0131y\u0131 \u015firket koruyacak. Kullan\u0131c\u0131n\u0131n can\u0131na gelecek zarar, \u00fc\u00e7\u00fcnc\u00fc \u015fahsa verece\u011fi zarara kar\u015f\u0131 bir sorumluluk sigortas\u0131 yapacak. \u00dclkemizde yap\u0131l\u0131yor ama \u00e7ok d\u00fc\u015f\u00fck limitli bunlar ve limitleri takip edilmiyor. Bunlar\u0131n limitlerinin mutlaka y\u00fckseltilmesi ve kontrol edilebilir oranda olmas\u0131 laz\u0131m. Belediyeler bununla ilgili karar \u00e7\u0131karabiliyor. Ankara B\u00fcy\u00fck\u015fehir Belediyesi \u00e7\u0131kartt\u0131. \u0130kincisi, her kullan\u0131c\u0131n\u0131n \u00f6deyece\u011fi \u00fccretin \u00fczerine k\u00fc\u00e7\u00fck bir miktar primle sigorta korunmas\u0131 sa\u011flanabilir.”<\/p>\n
Yasa veya y\u00f6netmelikle s\u0131n\u0131rlar\u0131n \u00e7izilip, limitlerin belirlenmesinin ileride gereksiz ve uzayacak davalar\u0131, haks\u0131z yere su\u00e7lanmalar\u0131 ortadan kald\u0131raca\u011f\u0131n\u0131 belirten Ba\u011fc\u0131, kazaya kar\u0131\u015fan e-scooter kullan\u0131c\u0131lar\u0131n\u0131n yapmas\u0131 gerekenlere ili\u015fkin \u015fu bilgileri verdi:<\/p>\n
“Kullan\u0131c\u0131 kusurlu da olabilir kusursuz da olabilir, fark etmiyor. Olay yerini g\u00f6steren birka\u00e7 foto\u011fraf, m\u00fcmk\u00fcnse video \u00e7ekmesini, kar\u015f\u0131 tarafla aras\u0131nda bir kaza tutana\u011f\u0131 doldurmas\u0131n\u0131 \u00f6neriyoruz. \u0130leride a\u00e7\u0131labilecek bir davada, kullan\u0131c\u0131 kusurluysa y\u00fcksek tazminat\u0131 engelleyecek, ‘K\u00fc\u00e7\u00fck hasar vard\u0131.’, ‘Yaral\u0131 yoktu.’ gibi itiraz\u0131n\u0131 sunabilir veya kusursuzsa u\u011frad\u0131\u011f\u0131 zarar\u0131 kar\u015f\u0131 taraftan alma hakk\u0131 do\u011far. Dikkat edilmesi gereken konu, bedensel bir yaralanma veya \u00f6l\u00fcm varsa veya alkol s\u00f6z konusuysa mutlaka trafik polisi \u00e7a\u011f\u0131rma zorunlulu\u011fu var.”<\/p>\n
Ba\u011fc\u0131, yurt d\u0131\u015f\u0131ndaki e-scooter sigorta sistemi uygulamalar\u0131n\u0131 da \u015f\u00f6yle anlatt\u0131:<\/p>\n
“E-scooter \u015firketlerinin kullan\u0131c\u0131 say\u0131lar\u0131 al\u0131n\u0131yor. Hangi \u015fehirde, ka\u00e7 adet arac\u0131, g\u00fcnde, ayda, y\u0131lda ka\u00e7 kez kiralan\u0131yor? \u00d6rne\u011fin 5 kez kiralan\u0131yorsa, 5 insan risk al\u0131yor. Bununla ilgili \u00e7ok y\u00fcksek rakaml\u0131 bedensel tazminatlar\u0131 ve \u00fc\u00e7\u00fcnc\u00fc \u015fahsa veya kendisine verebilece\u011fi maddi hasar kapsam\u0131n\u0131 zorunlu tutan \u00fclkeler var. Baz\u0131 \u00fclkelerde ise kiralama \u00fccreti i\u00e7erisinde, \u015firketin yapaca\u011f\u0131 s\u00f6zle\u015fmelerle ayr\u0131 bir sigorta primi \u00f6d\u00fcyor ve kendisini koruma alt\u0131na alabiliyor. Bir de e-scooter\u0131 \u00e7ok yo\u011fun kullananlar, bisiklet i\u00e7in de var bu uygulama, kendisine bedeni zarar ve \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara verebilece\u011fi zarar i\u00e7in sigorta yapt\u0131r\u0131yor.”<\/p>\n
BinBin Scooters Kurucu Orta\u011f\u0131 H\u00fcseyin Ardan K\u00fc\u00e7\u00fck ise elektrikli scooter kullan\u0131c\u0131lar\u0131n\u0131n s\u00fcr\u00fc\u015f esnas\u0131nda meydana gelen kazalardan veya hasarlardan kendisinin sorumlu oldu\u011funu, bunu sisteme \u00fcye olunurken kullan\u0131c\u0131 s\u00f6zle\u015fmesinde beyan ettiklerini belirtti.<\/p>\n
K\u00fc\u00e7\u00fck, kullan\u0131c\u0131n\u0131n ba\u015f\u0131na bir olay gelmesi durumunda, firma olarak \u00fcstlendikleri sigorta poli\u00e7esiyle birlikte “\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Mesuliyet” ve ferdi kaza sigortalar\u0131n\u0131 uygulayarak kullan\u0131c\u0131lar\u0131n yan\u0131nda olduklar\u0131n\u0131n alt\u0131n\u0131 \u00e7izdi.<\/p>\n
S\u00fcr\u00fcc\u00fcn\u00fcn scooter ile bir araca hasar verdi\u011finin tespiti halinde, sigortan\u0131n bu hasar\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131na ili\u015fkin ise K\u00fc\u00e7\u00fck, “Bir kaza ya\u015fanmas\u0131 durumunda kullan\u0131c\u0131m\u0131z kar\u015f\u0131s\u0131ndaki muhatap ki\u015fiyle bir tutanak d\u00fczenleyerek, yapt\u0131rd\u0131\u011f\u0131m\u0131z sigorta taraf\u0131ndan gerekli maddi ve manevi destekleri temin edebiliyor. Hata tamamen kullan\u0131c\u0131m\u0131zda olsun veya olmas\u0131n fark etmez, sigortam\u0131z bunu kar\u015f\u0131lamak \u00fczerine kurulu.” de\u011ferlendirmesini yapt\u0131.<\/p>\n
T\u00fcrkiye \u0130statistik Kurumu (T\u00dc\u0130K) ile kendi verilerini kar\u015f\u0131la\u015ft\u0131rd\u0131klar\u0131nda, scooter kazalar\u0131n\u0131n ara\u00e7 kazalar\u0131na g\u00f6re daha az oldu\u011funu tespit ettiklerini dile getiren K\u00fc\u00e7\u00fck, “Bu noktada da ula\u015f\u0131m anlay\u0131\u015f\u0131nda kaza oran\u0131n\u0131 da d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcm\u00fcz\u00fc g\u00f6zlemledik. Asl\u0131nda ne kadar, \u015fu anda scooterlar\u0131n tehlikeli ve kazaya sebebiyet veren ara\u00e7lar olmas\u0131 g\u00fcndemde olsa da bu b\u00f6yle de\u011fil. ‘Scooterlar kaza oranlar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcyor.’ diyebiliriz. Yaralanma veya \u00f6l\u00fcml\u00fc bir kaza olmas\u0131 durumunda bizim sorumlulu\u011fumuz bulunmuyor. Kullan\u0131c\u0131 s\u00f6zle\u015fmemiz gere\u011fince kullan\u0131c\u0131m\u0131z bundan sorumlu. Kendisi her t\u00fcrl\u00fc sorumlulu\u011fun kendisinde oldu\u011funu kabul ederek s\u00fcr\u00fc\u015f\u00fcne ba\u015fl\u0131yor.” ifadelerini kulland\u0131.<\/p>\n
H\u00fcseyin Ardan K\u00fc\u00e7\u00fck, herhangi bir can kayb\u0131 ya\u015fanmas\u0131 durumunda firmalar\u0131n yapt\u0131rd\u0131\u011f\u0131 sigorta poli\u00e7elerinin kayb\u0131 ya\u015fayan ailelerin tazminat olarak yan\u0131nda oldu\u011funu kaydetti.<\/p>\n
Bu noktada firma olarak \u00f6nlemlerini ald\u0131klar\u0131n\u0131n alt\u0131n\u0131 \u00e7izen K\u00fc\u00e7\u00fck, “Sigortan\u0131n kapsam\u0131 geni\u015fletilebilir. Sigortalar, elektrikli scooter kullan\u0131m\u0131 poli\u00e7esi alt\u0131nda sigorta \u015firketleri taraf\u0131ndan d\u00fczenlenip uygulanabilir. Bu noktada, sigortalar\u0131n, poli\u00e7elerin geni\u015fletilerek sigorta anlay\u0131\u015f\u0131n\u0131n daha da geni\u015fleyece\u011fine inan\u0131yorum.” \u015feklinde konu\u015ftu.<\/p>\n
Kaynak: AA<\/p>\n","protected":false},"excerpt":{"rendered":"
Elektrikli scooter kullan\u0131m\u0131n\u0131n artmas\u0131 kazalar\u0131 da beraberinde getirirken firmalar\u0131n sigorta yapt\u0131rmas\u0131n\u0131n zorunluluk haline getirilmesi hem…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100,17438],"tags":[],"class_list":["post-70772","post","type-post","status-publish","format-standard","hentry","category-gundem","category-yasam"],"views":239,"_links":{"self":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/comments?post=70772"}],"version-history":[{"count":1,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70772\/revisions"}],"predecessor-version":[{"id":70774,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/posts\/70772\/revisions\/70774"}],"wp:attachment":[{"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/media?parent=70772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/categories?post=70772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.haberegider.com\/blog\/wp-json\/wp\/v2\/tags?post=70772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}