{"id":19801,"date":"2026-06-15T10:47:16","date_gmt":"2026-06-15T10:47:16","guid":{"rendered":"https:\/\/www.alohaber.net\/wp\/?p=19801"},"modified":"2026-06-15T10:47:16","modified_gmt":"2026-06-15T10:47:16","slug":"karayollari-zorunlu-trafik-sigortasi-genel-sartlarinda-kapsamli-degisiklik","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2026\/06\/karayollari-zorunlu-trafik-sigortasi-genel-sartlarinda-kapsamli-degisiklik\/","title":{"rendered":"Karayollar\u0131 Zorunlu Trafik Sigortas\u0131 Genel \u015eartlar\u0131nda Kapsaml\u0131 De\u011fi\u015fiklik"},"content":{"rendered":"

\"\"<\/a>Karayollar\u0131 Zorunlu Trafik Sigortas\u0131 Genel \u015eartlar\u0131nda Kapsaml\u0131 De\u011fi\u015fiklik Mevzuat\u0131n Ad\u0131: Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas..<\/p>\n

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Karayollar\u0131 Zorunlu Trafik Sigortas\u0131 Genel \u015eartlar\u0131nda Kapsaml\u0131 De\u011fi\u015fiklik<\/strong><\/p>\n

Tarih:\u00a0
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Karayollar\u0131 Zorunlu Trafik Sigortas\u0131 Genel \u015eartlar\u0131nda Kapsaml\u0131 De\u011fi\u015fiklik<\/h4>\n

Mevzuat\u0131n Ad\u0131:<\/strong>\u00a0Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131 Genel \u015eartlar\u0131nda De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Genel \u015eartlar<\/em><\/p>\n

12 Haziran 2026 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 33278<\/p>\n

Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan:<\/p>\n

MADDE 1-\u00a0<\/strong>14\/5\/2015 tarihli ve 29355 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas\u0131 Genel \u015eartlar\u0131n\u0131n<\/a><\/strong>\u00a0A.2 nci maddesinin birinci f\u0131kras\u0131n\u0131n (a) bendi a\u015fa\u011f\u0131daki \u015fekilde yeniden d\u00fczenlenmi\u015f, (e) bendinde yer alan \u201cHazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan yay\u0131mlanan 2015\/2 say\u0131l\u0131 Motorlu Ara\u00e7 Sigortalar\u0131nda E\u015fde\u011fer Par\u00e7a Belgeleme Esaslar\u0131na \u0130li\u015fkin Genelge ile belirlenen\u201d ibaresi \u201cSanayi ve Teknoloji Bakanl\u0131\u011f\u0131nca 5684 say\u0131l\u0131 Kanunun 11 inci maddesinin alt\u0131nc\u0131 f\u0131kras\u0131 uyar\u0131nca belirlenecek\u201d \u015feklinde de\u011fi\u015ftirilmi\u015ftir ve ayn\u0131 f\u0131kraya a\u015fa\u011f\u0131daki bent eklenmi\u015ftir.<\/p>\n

\u201ca) Sigortal\u0131: Poli\u00e7e konusu motorlu ara\u00e7ta\u00a02918 say\u0131l\u0131 Kanuna<\/a><\/strong>\u00a0g\u00f6re i\u015fleten say\u0131lan ki\u015fiyi,\u201d<\/p>\n

\u201cj) Kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131: Sigorta ettirenin, sigortal\u0131n\u0131n ve sigortadan faydalanacak ki\u015filerin g\u00f6nderdi\u011fi veya kendisine g\u00f6nderilen bilgiyi, bu bilginin amac\u0131na uygun olarak makul bir s\u00fcre incelemesine elverecek \u015fekilde kaydedilmesini ve de\u011fi\u015ftirilmeden kopyalanmas\u0131n\u0131 sa\u011flayan ve bu bilgiye aynen ula\u015f\u0131lmas\u0131na imk\u00e2n veren k\u0131sa mesaj, elektronik posta, internet, mobil uygulama, disk, CD, DVD, haf\u0131za kart\u0131 ile Sigorta Bilgi ve G\u00f6zetim Merkezi \u00fczerinden veya e-Devlet \u00fczerinden kurulacak yap\u0131 ve benzeri her t\u00fcrl\u00fc ara\u00e7 veya ortam\u0131,\u201d<\/p>\n

MADDE 2-<\/strong>\u00a0Ayn\u0131 Genel \u015eartlar\u0131n A.5 inci maddesi a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201cA.5. KAPSAMA G\u0130REN TEM\u0130NAT T\u00dcRLER\u0130<\/p>\n

Bu Genel \u015eartlar kapsam\u0131ndaki teminat t\u00fcrleri a\u015fa\u011f\u0131da yer almaktad\u0131r.<\/p>\n

a) Maddi Zararlar Teminat\u0131: Hak sahibinin bu Genel \u015eartlarda tan\u0131mlanan ve zarar g\u00f6ren ara\u00e7ta meydana gelen de\u011fer kayb\u0131 dahil do\u011frudan mallar\u0131 \u00fczerindeki azalmad\u0131r. De\u011fer kayb\u0131, Kurum taraf\u0131ndan belirlenecek usul ve esaslara g\u00f6re atanacak sigorta eksperi taraf\u0131ndan arac\u0131n markas\u0131, ya\u015f\u0131, modeli, kullan\u0131lm\u0131\u015fl\u0131k d\u00fczeyi, hasar g\u00f6rd\u00fc\u011f\u00fc k\u0131s\u0131mlar\u0131, ge\u00e7mi\u015f hasar durumu ve arac\u0131n kaza tarihinden \u00f6nceki ikinci el sat\u0131\u015f de\u011feri ile onar\u0131lmas\u0131ndan sonraki ikinci el sat\u0131\u015f de\u011ferinin aras\u0131ndaki fark dikkate al\u0131narak tespit edilir. Ara\u00e7 hasar\u0131na ili\u015fkin eksper atanmas\u0131 halinde tespiti yapan sigorta eksperi, de\u011fer kayb\u0131 tutar\u0131na ili\u015fkin tespitine de raporunda yer verir.<\/p>\n

Bu teminat kapsam\u0131nda yap\u0131lacak ba\u015fvurular, ara\u00e7ta meydana gelen hasar bedelini ve de\u011fer kayb\u0131n\u0131 kapsar. Bu teminat kapsam\u0131nda ara\u00e7 hasar\u0131 i\u00e7in ba\u015fvuruda bulunan hak sahibi, de\u011fer kayb\u0131 talebinde de bulunmu\u015f kabul edilir.<\/p>\n

Sigortac\u0131, hesaplanan de\u011fer kayb\u0131 tutar\u0131n\u0131, yaz\u0131l\u0131 olarak veya kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla, en ge\u00e7 nihai eksper raporunun kendisine ula\u015ft\u0131\u011f\u0131 tarihi takip eden i\u015f g\u00fcn\u00fc i\u00e7erisinde hak sahibine bildirir.<\/p>\n

b) Sa\u011fl\u0131k Giderleri Teminat\u0131: \u00dc\u00e7\u00fcnc\u00fc ki\u015finin trafik kazas\u0131 dolay\u0131s\u0131yla bedenen eski haline d\u00f6nmesini teminen protez organ bedelleri de dahil olmak \u00fczere yap\u0131lan t\u00fcm tedavi giderlerini i\u00e7eren teminatt\u0131r. Kaza nedeniyle ma\u011fdurun tedavisine ba\u015flanmas\u0131ndan itibaren ma\u011fdurun s\u00fcrekli sakatl\u0131k raporu alana kadar tedavi s\u00fcresince ortaya \u00e7\u0131kan giderler ile s\u00fcrekli bak\u0131c\u0131 gideri bu teminat kapsam\u0131ndad\u0131r. 2918 say\u0131l\u0131 Kanunun 98 inci maddesi kapsam\u0131ndaki sa\u011fl\u0131k giderleri genel sa\u011fl\u0131k sigortal\u0131s\u0131 say\u0131lanlar i\u00e7in belirlenen sa\u011fl\u0131k hizmeti geri \u00f6deme usul ve esaslar\u0131 \u00e7er\u00e7evesinde Sosyal G\u00fcvenlik Kurumunun sorumlulu\u011funda olup, s\u00f6z konusu madde kapsam\u0131nda \u00f6denen giderler i\u00e7in sigorta \u015firketinin ve G\u00fcvence Hesab\u0131n\u0131n sorumlulu\u011fu sona ermi\u015ftir. Kaza nedeniyle ma\u011fdurun tedavisine ba\u015flanmas\u0131ndan itibaren ma\u011fdurun s\u00fcrekli sakatl\u0131k raporu alana kadar tedavi s\u00fcresince ortaya \u00e7\u0131kan bak\u0131c\u0131 giderleri ile s\u00fcrekli sakatl\u0131k oran\u0131n\u0131n belirlenmesinden sonra ortaya \u00e7\u0131kan ve t\u0131bben gerekli olan s\u00fcrekli bak\u0131c\u0131 giderleri sigorta \u015firketleri veya G\u00fcvence Hesab\u0131 taraf\u0131ndan bu teminattan kar\u015f\u0131lan\u0131r. Ma\u011fdurun bak\u0131c\u0131 ihtiyac\u0131 s\u00fcresi ile tedavi s\u00fcrecinin tamamlanmas\u0131 sonras\u0131nda s\u00fcrekli bak\u0131c\u0131 ihtiyac\u0131n\u0131n belirlenmesinde, Kurul Raporu dikkate al\u0131n\u0131r.<\/p>\n

c) Sakatlanma Teminat\u0131: \u00dc\u00e7\u00fcnc\u00fc ki\u015finin s\u00fcrekli sakatl\u0131\u011f\u0131 dolay\u0131s\u0131yla ileride ekonomik olarak u\u011frayaca\u011f\u0131 maddi zararlar\u0131 kar\u015f\u0131lamak \u00fczere, 11\/1\/2011 tarihli ve 6098 say\u0131l\u0131 T\u00fcrk Bor\u00e7lar Kanununun haks\u0131z fiillere ili\u015fkin h\u00fck\u00fcmlerine g\u00f6re belirlenen tazminatlar\u0131 i\u00e7eren teminatt\u0131r. Trafik kazas\u0131 nedeniyle ma\u011fdurun ge\u00e7ici i\u015f g\u00f6remezli\u011fi ve s\u00fcrekli sakatl\u0131\u011f\u0131 bu teminattan kar\u015f\u0131lan\u0131r. Ma\u011fdurun tedavi s\u00fcrecinin tamamlanmas\u0131 sonras\u0131nda sakatl\u0131k oran\u0131n\u0131n ve ge\u00e7ici i\u015f g\u00f6remezlik s\u00fcresinin belirlenmesinde, Kurul Raporu dikkate al\u0131n\u0131r.<\/p>\n

Tazminat \u00f6demesinde, ilgili kurum ve kurulu\u015flarca tanzim edilecek trafik kazas\u0131na ili\u015fkin belgelerde illiyet ba\u011f\u0131 ile ilgili tespitin yer almas\u0131 durumunda bu tespitin aksini ispat sigorta \u015firketine aittir. Sigortac\u0131 s\u00f6z konusu rapor hakk\u0131nda ilgili mevzuat uyar\u0131nca itiraz usul\u00fcne ba\u015fvurdu\u011funda ma\u011fdurun itiraz \u00fczerine yapt\u0131\u011f\u0131 belgelenmi\u015f harcamalar\u0131n\u0131 bu teminat kapsam\u0131nda kar\u015f\u0131lamakla y\u00fck\u00fcml\u00fcd\u00fcr. S\u00f6z konusu tazminat miktarlar\u0131n\u0131n tespitinde sakat kalan ki\u015fi esas al\u0131n\u0131r.<\/p>\n

\u00e7) Destekten Yoksun Kalma (\u00d6l\u00fcm) Teminat\u0131: \u00dc\u00e7\u00fcnc\u00fc ki\u015finin \u00f6l\u00fcm\u00fc dolay\u0131s\u0131yla \u00f6lenin deste\u011finden yoksun kalanlar\u0131n destek zararlar\u0131n\u0131 kar\u015f\u0131lamak \u00fczere 6098 say\u0131l\u0131 Kanunun haks\u0131z fiillere ili\u015fkin h\u00fck\u00fcmlerine g\u00f6re belirlenen tazminatlar\u0131 i\u00e7eren teminatt\u0131r. S\u00f6z konusu tazminat miktar\u0131n\u0131n tespitinde \u00f6len ki\u015fi esas al\u0131n\u0131r.\u201d<\/p>\n

MADDE 3-\u00a0<\/strong>Ayn\u0131 Genel \u015eartlar\u0131n B.2 nci maddesinin 2.1 inci f\u0131kras\u0131n\u0131n birinci paragraf\u0131na a\u015fa\u011f\u0131daki c\u00fcmle eklenmi\u015f, ikinci ve \u00fc\u00e7\u00fcnc\u00fc paragraflar\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015f, ayn\u0131 maddenin 2.3 \u00fcnc\u00fc f\u0131kras\u0131n\u0131n ikinci paragraf\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201cKurum bu Genel \u015eartlar\u0131n Ek-6\u2019s\u0131 kapsam\u0131nda talep edilecek hak sahibine ait cep telefonu numaras\u0131n\u0131n do\u011frulanmas\u0131na ili\u015fkin usul ve esaslar\u0131 belirlemeye yetkilidir.\u201d<\/p>\n

\u201cHasar halinde, hasar g\u00f6ren orijinal par\u00e7an\u0131n onar\u0131m\u0131 m\u00fcmk\u00fcn de\u011filse orijinal par\u00e7a ile de\u011fi\u015ftirilir. Ancak, hak sahibinin onay\u0131n\u0131n al\u0131nmas\u0131 veya hasar g\u00f6ren par\u00e7an\u0131n orijinal par\u00e7a ile de\u011fi\u015ftirilmesine imk\u00e2n olmamas\u0131 halinde hasar g\u00f6ren par\u00e7a, yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a ile de\u011fi\u015ftirilir. Bu f\u0131kra kapsam\u0131nda hak sahibinden onay al\u0131nd\u0131\u011f\u0131n\u0131 veya hasar g\u00f6ren par\u00e7an\u0131n orijinal par\u00e7a ile de\u011fi\u015ftirilmesine imk\u00e2n olmad\u0131\u011f\u0131n\u0131 ispat y\u00fck\u00fc sigortac\u0131ya aittir. Bu f\u0131kran\u0131n uygulanmas\u0131 sonucu ara\u00e7ta bir k\u0131ymet art\u0131\u015f\u0131 meydana gelmi\u015f olsa dahi bu fark tazminat miktar\u0131ndan indirilemez.<\/p>\n

Hasar g\u00f6ren par\u00e7an\u0131n orijinal olmamas\u0131 halinde par\u00e7an\u0131n onar\u0131m\u0131 m\u00fcmk\u00fcn de\u011filse yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a ile de\u011fi\u015ftirilir. Ancak, hasar g\u00f6ren par\u00e7an\u0131n yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a ile de\u011fi\u015ftirilmesine imk\u00e2n olmamas\u0131 halinde orijinal par\u00e7a ile de\u011fi\u015ftirilir. Yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a ile de\u011fi\u015fim imk\u00e2n\u0131 oldu\u011fu halde orijinal par\u00e7a ile onar\u0131m sa\u011flan\u0131r ise sigortac\u0131n\u0131n sorumlulu\u011fu, sigortac\u0131n\u0131n kaza tarihi itibar\u0131yla benzer hasarlardaki onar\u0131m uygulamas\u0131na g\u00f6re, yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a bedeli ile s\u0131n\u0131rl\u0131d\u0131r. Yeniden kullan\u0131labilir veya e\u015fde\u011fer par\u00e7a ile de\u011fi\u015fim imk\u00e2n\u0131 oldu\u011funu ispat y\u00fck\u00fc sigortac\u0131ya aittir. Bu f\u0131kran\u0131n uygulanmas\u0131 sonucu ara\u00e7ta bir k\u0131ymet art\u0131\u015f\u0131 meydana gelmi\u015f olsa dahi bu fark tazminat miktar\u0131ndan indirilemez.\u201d<\/p>\n

\u201cZarar g\u00f6ren arac\u0131n Kurumca belirlenen usul ve esaslar \u00e7er\u00e7evesinde a\u011f\u0131r hasara u\u011fram\u0131\u015f oldu\u011funun eksper raporu do\u011frultusunda tespit edilmi\u015f olmas\u0131 durumunda, arac\u0131n ilgili mevzuat do\u011frultusunda trafikten \u00e7ekildi\u011fine dair \u201ctrafikten \u00e7ekilmi\u015ftir\u201d ka\u015feli tescil belgesi sigortac\u0131ya ibraz edilmeden tazminat \u00f6denmez.\u201d<\/p>\n

MADDE 4-<\/strong>\u00a0Ayn\u0131 Genel \u015eartlar\u0131n B.4 \u00fcnc\u00fc maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131n\u0131n (f) bendi a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201cf) Trafik kazalar\u0131nda sigortal\u0131n\u0131n veya eylemlerinden sorumlu oldu\u011fu ki\u015filerin, can g\u00fcvenli\u011fi nedeniyle uzakla\u015fma hali ile bedeni hasara neden olan trafik kazalar\u0131nda tedavi veya yard\u0131m ama\u00e7l\u0131 sa\u011fl\u0131k kurulu\u015funa gitme gibi zorunlu haller hari\u00e7 olmak \u00fczere, olay yerini terk etmesi veya kaza tutana\u011f\u0131, alkol raporu ve benzeri kazan\u0131n olu\u015f ko\u015fullar\u0131na ili\u015fkin gereken belgelerin d\u00fczenlenmesi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131 davranmas\u0131 halinde,\u201d<\/p>\n

MADDE 5-<\/strong>\u00a0Ayn\u0131 Genel \u015eartlar\u0131n C.4 \u00fcnc\u00fc maddesinin ikinci f\u0131kras\u0131n\u0131n ikinci c\u00fcmlesi y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n

MADDE 6-<\/strong>\u00a0Ayn\u0131 Genel \u015eartlar\u0131n Ek-1\u2019i, Ek-2\u2019si, Ek-3\u2019\u00fc ve Ek-7\u2019si y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n

MADDE 7-<\/strong>\u00a0Ayn\u0131 Genel \u015eartlar\u0131n Ek-6\u2019s\u0131 ekteki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

MADDE 8-<\/strong>\u00a0Bu Genel \u015eartlar 1\/7\/2026 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

MADDE 9-<\/strong>\u00a0Bu Genel \u015eartlar\u0131 Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n

Eki i\u00e7in t\u0131klay\u0131n\u0131z<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Karayollar\u0131 Zorunlu Trafik Sigortas\u0131 Genel \u015eartlar\u0131nda Kapsaml\u0131 De\u011fi\u015fiklik Mevzuat\u0131n Ad\u0131: Karayollar\u0131 Motorlu Ara\u00e7lar Zorunlu Mali Sorumluluk Sigortas..  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-19801","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/19801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=19801"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/19801\/revisions"}],"predecessor-version":[{"id":19802,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/19801\/revisions\/19802"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=19801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=19801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=19801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}