{"id":46250,"date":"2026-04-06T23:05:45","date_gmt":"2026-04-06T20:05:45","guid":{"rendered":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg"},"modified":"2026-04-06T23:07:11","modified_gmt":"2026-04-06T20:07:11","slug":"667800267_959892773232605_2539740523460380248_n","status":"inherit","type":"attachment","link":"https:\/\/adanaseshaber.com.tr\/habercim\/genel\/kasko-ve-trafik-sigortasinda\/attachment\/667800267_959892773232605_2539740523460380248_n\/","title":{"rendered":"Kasko ve trafik sigortas\u0131nda yeni d\u00f6nem PAYLA\u015e"},"author":2,"comment_status":"open","ping_status":"closed","template":"","meta":[],"description":{"rendered":"<p class=\"attachment\"><a href='https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg'><img width=\"241\" height=\"300\" src=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-241x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-241x300.jpg 241w, https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg 514w\" sizes=\"(max-width: 241px) 100vw, 241px\" \/><\/a><\/p>\n"},"caption":{"rendered":"<p>\u0130lk Etapta Bursa ve Ordu\u2019da Pilot Uygulama Ba\u015fl\u0131yor Yeni ak\u0131ll\u0131 atama sistemi, 1 Nisan&#8217;dan itibaren ilk olarak Bursa ve Ordu illerinde pilot uygulama olarak devreye al\u0131nacak. Bu b\u00f6lgelerde kasko kapsam\u0131nda tam veya a\u011f\u0131r hasar alan ara\u00e7lar ile zorunlu trafik sigortas\u0131nda 40 bin TL ve \u00fczeri hasar\u0131 bulunan ara\u00e7lar\u0131n ekspertiz i\u015flemleri, Sigorta Bilgi ve G\u00f6zetim Merkezi (SBM) \u00fczerinden &#8220;zorunlu ve s\u0131ral\u0131&#8221; bir \u015fekilde atanan eksperler taraf\u0131ndan y\u00fcr\u00fct\u00fclecek. Trafik sigortas\u0131nda 40 bin TL\u2019nin alt\u0131ndaki hasarlarda ise e\u011fer sigorta \u015firketi veya hak sahibi eksper atanmas\u0131n\u0131 talep ederse, bu i\u015flem yine SBM \u00fczerinden s\u0131rayla ger\u00e7ekle\u015ftirilecek. De\u011fer Kayb\u0131 Tazminat\u0131nda Yeni Kolayl\u0131k: Ayr\u0131 Ba\u015fvuruya Gerek Yok! Sistemin getirdi\u011fi en b\u00fcy\u00fck avantajlardan biri de de\u011fer kayb\u0131 hesaplamalar\u0131nda ortaya \u00e7\u0131k\u0131yor. Zorunlu trafik sigortas\u0131nda hasar tespiti i\u00e7in g\u00f6revlendirilen eksper, arac\u0131n de\u011fer kayb\u0131n\u0131 da &#8220;ger\u00e7ek zarar ilkesine&#8221; g\u00f6re hesaplayarak do\u011frudan raporuna ekleyecek. B\u00f6ylece ara\u00e7 sahiplerinin de\u011fer kayb\u0131 tazminat\u0131 i\u00e7in ekstra bir ba\u015fvuru yapmas\u0131na veya s\u00fcre\u00e7le u\u011fra\u015fmas\u0131na gerek kalmayacak Dosyada halihaz\u0131rda atanm\u0131\u015f bir eksper yoksa; sigortal\u0131lar veya hak sahipleri e-Devlet \u00fczerinden do\u011frulama yaparak SBM\u2019nin resmi web sitesi (www.sbm.org.tr) arac\u0131l\u0131\u011f\u0131yla diledikleri a\u015famada kolayca eksper atamas\u0131 yapabilecekler. Kararlara \u0130tiraz Hakk\u0131 3 G\u00fcn Eksperlerin raporlar\u0131na ve tespitlerine y\u00f6nelik itiraz hakk\u0131 da g\u00fcvence alt\u0131na al\u0131n\u0131yor. Raporun SBM sistemine girilip taraflara bildirilmesinin ard\u0131ndan 3 i\u015f g\u00fcn\u00fc i\u00e7inde sigorta \u015firketi veya hak sahipleri rapora itiraz edebilecek. \u0130tiraz edilmesi halinde SBM \u00fczerinden yeni bir eksper atanacak. Bu yeni rapora da itiraz edilirse, yine 3 i\u015f g\u00fcn\u00fc i\u00e7inde taraflar\u0131n talebiyle bir &#8220;hakem eksper&#8221; g\u00f6revlendirilebilecek. \u0130lk Rapor \u00dccreti Sigorta \u015eirketinden 1 Nisan itibar\u0131yla T\u00fcrkiye genelinde kasko ve trafik sigortas\u0131 dahil olmak \u00fczere t\u00fcm bran\u015flarda \u00f6nemli bir kural daha devreye giriyor. Eksperi kim atarsa atans\u0131n (sigortal\u0131, hak sahibi veya sigorta \u015firketi fark etmeksizin) haz\u0131rlanan ilk eksper raporunun \u00fccreti do\u011frudan sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lanacak. T\u00fcm T\u00fcrkiye&#8217;de Ne Zaman Uygulanacak? Bursa ve Ordu&#8217;da ba\u015flayacak olan pilot uygulaman\u0131n 3 ay s\u00fcrmesi planlan\u0131yor. Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK), bu s\u00fcreyi gerekirse 6 aya kadar uzatabilecek. Herhangi bir uzatma karar\u0131 al\u0131nmamas\u0131 halinde sistem, 1 Temmuz 2026 tarihinden itibaren t\u00fcm T\u00fcrkiye genelinde zorunlu olarak uygulanmaya ba\u015flanacak.<\/p>\n"},"alt_text":"","media_type":"image","mime_type":"image\/jpeg","media_details":{"width":514,"height":640,"file":"2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg","sizes":{"medium":{"file":"667800267_959892773232605_2539740523460380248_n-241x300.jpg","width":241,"height":300,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-241x300.jpg"},"thumbnail":{"file":"667800267_959892773232605_2539740523460380248_n-150x150.jpg","width":150,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-150x150.jpg"},"kucukResim":{"file":"667800267_959892773232605_2539740523460380248_n-80x50.jpg","width":80,"height":50,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-80x50.jpg"},"sliderResim":{"file":"667800267_959892773232605_2539740523460380248_n-514x330.jpg","width":514,"height":330,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-514x330.jpg"},"resim1":{"file":"667800267_959892773232605_2539740523460380248_n-184x140.jpg","width":184,"height":140,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-184x140.jpg"},"resim2":{"file":"667800267_959892773232605_2539740523460380248_n-216x103.jpg","width":216,"height":103,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-216x103.jpg"},"resim3":{"file":"667800267_959892773232605_2539740523460380248_n-145x70.jpg","width":145,"height":70,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-145x70.jpg"},"sagSlider":{"file":"667800267_959892773232605_2539740523460380248_n-300x150.jpg","width":300,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-300x150.jpg"},"yeniSlider":{"file":"667800267_959892773232605_2539740523460380248_n-500x290.jpg","width":500,"height":290,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n-500x290.jpg"},"full":{"file":"667800267_959892773232605_2539740523460380248_n.jpg","width":514,"height":640,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":46249,"source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/04\/667800267_959892773232605_2539740523460380248_n.jpg","_links":{"self":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media\/46250"}],"collection":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media"}],"about":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/types\/attachment"}],"author":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/comments?post=46250"}]}}