{"id":1574,"date":"2024-02-05T10:01:11","date_gmt":"2024-02-05T10:01:11","guid":{"rendered":"https:\/\/themepanthers.com\/wp\/vankine\/v1\/?p=1574"},"modified":"2026-05-15T17:31:42","modified_gmt":"2026-05-15T17:31:42","slug":"mutabakatli-police-nedir","status":"publish","type":"post","link":"https:\/\/smrgrupsigorta.com\/index.php\/2024\/02\/05\/mutabakatli-police-nedir\/","title":{"rendered":"Mutabakatl\u0131 Poli\u00e7e Nedir?"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n

Mutabakatl\u0131 Poli\u00e7e Nedir? SMR Grup Sigorta ile De\u011feriniz Emin Ellerde <\/h3>\r\n <\/div>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
Sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde hasar an\u0131nda en s\u0131k ya\u015fanan tart\u0131\u015fmalardan biri, <\/span>\"arac\u0131n\/mal\u0131n kaza an\u0131ndaki de\u011feri ne olmal\u0131?\"<\/span><\/strong> sorusudur. Piyasa ko\u015fullar\u0131, enflasyon, amortisman ve model y\u0131l\u0131 farklar\u0131, standart poli\u00e7elerde tazminat tutar\u0131n\u0131n belirsizle\u015fmesine yol a\u00e7abilmektedir. \u0130\u015fte bu noktada devreye <\/span>Mutabakatl\u0131 Poli\u00e7e (Agreed Value Policy)<\/span><\/strong> girer.<\/span><\/div>
\u00a0<\/div>
SMR Grup Sigorta<\/span><\/strong> olarak, m\u00fc\u015fterilerimizin varl\u0131klar\u0131n\u0131 en \u015feffaf ve g\u00fcvenilir \u015fekilde korumay\u0131 ilke ediniyoruz. Bu yaz\u0131da, mutabakatl\u0131 poli\u00e7enin ne oldu\u011funu, nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131, standart poli\u00e7elerden fark\u0131n\u0131 ve SMR Grup Sigorta olarak bu teminat\u0131 nas\u0131l y\u00f6netti\u011fimizi detayl\u0131ca ele al\u0131yoruz.<\/span><\/div>
\u00a0<\/div>
Mutabakatl\u0131 Poli\u00e7e Nedir?<\/span><\/h5>
Mutabakatl\u0131 poli\u00e7e, sigorta s\u00f6zle\u015fmesi d\u00fczenlenirken <\/span>sigortal\u0131 ile sigorta \u015firketinin, teminat alt\u0131na al\u0131nan varl\u0131\u011f\u0131n (ara\u00e7, emtia, makine, ticari mal vb.) de\u011ferini \u00f6nceden uzla\u015ft\u0131\u011f\u0131 ve poli\u00e7ede sabitledi\u011fi<\/span><\/strong> \u00f6zel bir sigorta t\u00fcr\u00fcd\u00fcr.<\/span><\/div>
\u00a0<\/div>
Bu poli\u00e7e yap\u0131s\u0131nda:<\/span><\/div>
  • De\u011fer, poli\u00e7e ba\u015flang\u0131\u00e7 tarihi itibar\u0131yla taraflarca kabul edilir.<\/span><\/li>
  • Hasar an\u0131nda <\/span>piyasa de\u011feri, amortisman veya ikinci el fiyat listeleri<\/span><\/strong> devreye girmez.<\/span><\/li>
  • Tam hasar durumunda, poli\u00e7ede yaz\u0131l\u0131 mutabakatl\u0131 de\u011fer \u00fczerinden tazminat \u00f6denir.<\/span><\/li>
  • K\u0131smi hasarlarda ise genellikle onar\u0131m bedeli veya poli\u00e7e ko\u015fullar\u0131na g\u00f6re oransal hesaplama uygulan\u0131r.<\/span><\/li><\/ul>
    \u00a0<\/div>
    \ud83d\udca1 <\/span>\u00d6zet:<\/span><\/strong> Mutabakatl\u0131 poli\u00e7e, \"hasar an\u0131nda ne kadar eder?\" tart\u0131\u015fmas\u0131n\u0131 poli\u00e7e ba\u015f\u0131nda \u00e7\u00f6zen, de\u011fer belirsizli\u011fini ortadan kald\u0131ran bir g\u00fcvence modelidir.<\/span><\/h6><\/blockquote>
    Mutabakatl\u0131 Poli\u00e7enin Avantajlar\u0131<\/span><\/h5>
    1. \ud83d\udd12 De\u011fer Belirsizli\u011fi Yok:<\/span><\/strong> Hasar an\u0131nda \"\u015fu an ne kadar eder?\" tart\u0131\u015fmas\u0131 ya\u015fanmaz.<\/span><\/li>
    2. \u26a1 H\u0131zl\u0131 Hasar \u00c7\u00f6z\u00fcm\u00fc:<\/span><\/strong> De\u011fer \u00f6nceden kabul edildi\u011fi i\u00e7in ekspertiz ve \u00f6deme s\u00fcre\u00e7leri k\u0131sal\u0131r.<\/span><\/li>
    3. \ud83d\udcc8 Enflasyon & De\u011fer Art\u0131\u015f\u0131ndan Korunma:<\/span><\/strong> \u00d6zellikle T\u00fcrkiye'deki y\u00fcksek enflasyon ortam\u0131nda, poli\u00e7e s\u00fcresince de\u011feriniz sabit kal\u0131r (g\u00fcncelleme se\u00e7ene\u011fi ile art\u0131r\u0131labilir).<\/span><\/li>
    4. \ud83d\udcdc Hukuki G\u00fcvenlik:<\/span><\/strong> Mutabakat metni poli\u00e7ede a\u00e7\u0131k\u00e7a yer ald\u0131\u011f\u0131 i\u00e7in tazminat uyu\u015fmazl\u0131klar\u0131 minimuma iner.<\/span><\/li>
    5. \ud83d\ude97 \u00d6zel Ara\u00e7lar \u0130\u00e7in \u0130deal:<\/span><\/strong> Klasik, restore, limited edition, yeni model veya ticari filo ara\u00e7lar\u0131 i\u00e7in de\u011fer korumas\u0131 sa\u011flar.<\/span><\/li><\/ol>
      Dikkat Edilmesi Gerekenler<\/span><\/h5>
      Mutabakatl\u0131 poli\u00e7e g\u00fc\u00e7l\u00fc bir g\u00fcvence modeli olsa da, do\u011fru y\u00f6netilmesi gerekir:<\/span><\/div>
      \u00a0<\/div>
      • \ud83d\udd39 <\/span>Ger\u00e7ek\u00e7i De\u011fer Beyan\u0131:<\/span><\/strong> A\u015f\u0131r\u0131 y\u00fcksek beyan prim art\u0131\u015f\u0131na, a\u015f\u0131r\u0131 d\u00fc\u015f\u00fck beyan ise yetersiz teminata yol a\u00e7ar. SMR Grup Sigorta uzmanlar\u0131 objektif de\u011ferleme ile bu dengeyi sa\u011flar.<\/span><\/li>
      • \ud83d\udd39 <\/span>K\u0131smi Hasar Kural\u0131:<\/span><\/strong> Mutabakatl\u0131 de\u011fer <\/span>tam hasar<\/span><\/strong> i\u00e7in ge\u00e7erlidir. K\u0131smi hasarlarda onar\u0131m bedeli veya poli\u00e7edeki muafiyet\/oranlar uygulan\u0131r.<\/span><\/li>
      • \ud83d\udd39 <\/span>G\u00fcncelleme \u0130htiyac\u0131:<\/span><\/strong> Uzun vadeli poli\u00e7elerde enflasyon, d\u00f6viz kuru veya piyasa art\u0131\u015f\u0131 i\u00e7in \"de\u011fer g\u00fcncelleme\" maddesi eklenmelidir.<\/span><\/li>
      • \ud83d\udd39 <\/span>Poli\u00e7e Ko\u015fullar\u0131 Okunmal\u0131:<\/span><\/strong> Mutabakatl\u0131 de\u011fer, teminat d\u0131\u015f\u0131 haller (alkol, ehliyetsizlik, kas\u0131tl\u0131 hasar vb.) i\u00e7in ge\u00e7erli de\u011fildir.<\/span><\/li><\/ul><\/div> <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t\t
        \r\n
        Sonu\u00e7: De\u011feriniz Sabit, G\u00fcvenceniz Kesin Olsun<\/span><\/h5>
        Mutabakatl\u0131 poli\u00e7e, belirsizli\u011fin olmad\u0131\u011f\u0131, hasar an\u0131nda s\u00fcrpriz ya\u015famad\u0131\u011f\u0131n\u0131z, de\u011ferinizin \u00f6nceden kabul edildi\u011fi bir sigorta modelidir. \u00d6zellikle T\u00fcrkiye'nin dinamik ekonomik ko\u015fullar\u0131nda, <\/span>de\u011fer korumas\u0131 = finansal \u00f6ng\u00f6r\u00fclebilirlik<\/span><\/strong> demektir.<\/span><\/div>
        \u00a0<\/div>
        SMR Grup Sigorta<\/span><\/strong> olarak, mutabakatl\u0131 poli\u00e7e s\u00fcre\u00e7lerini \u015feffaf, h\u0131zl\u0131 ve m\u00fc\u015fteri odakl\u0131 bir yap\u0131yla y\u00f6netiyoruz. Arac\u0131n\u0131z\u0131n, ticari varl\u0131\u011f\u0131n\u0131z\u0131n veya envanterinizin ger\u00e7ek de\u011ferini korumak, bizim \u00f6nceli\u011fimizdir.<\/span><\/div> <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
        \n\t\t\t\t\t\t
        \n\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t\t
        \r\n
        \r\n

        \"De\u011feriniz tart\u0131\u015fmaya a\u00e7\u0131k de\u011fil, g\u00fcvenceniz ise kesindir.\"\nSMR Grup Sigorta \u2013 Mutabakatl\u0131 Poli\u00e7ede G\u00fcvenin Adresi. <\/h4>\r\n <\/div>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
        \n\t\t\t\t\t\t
        \n\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t
        \n\t\t\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t<\/path><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
        \n\t\t\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t<\/path><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

        Mutabakatl\u0131 Poli\u00e7e Nedir? SMR Grup Sigorta ile De\u011feriniz Emin Ellerde Sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde hasar an\u0131nda en s\u0131k ya\u015fanan tart\u0131\u015fmalardan biri, “arac\u0131n\/mal\u0131n kaza an\u0131ndaki de\u011feri ne olmal\u0131?” sorusudur. Piyasa ko\u015fullar\u0131, enflasyon, amortisman ve model y\u0131l\u0131 farklar\u0131, standart poli\u00e7elerde tazminat tutar\u0131n\u0131n belirsizle\u015fmesine yol a\u00e7abilmektedir. \u0130\u015fte bu noktada devreye Mutabakatl\u0131 Poli\u00e7e (Agreed Value Policy) girer.\u00a0SMR Grup Sigorta olarak, m\u00fc\u015fterilerimizin […]<\/p>\n","protected":false},"author":1,"featured_media":4235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smr-grup-sigorta"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/posts\/1574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/comments?post=1574"}],"version-history":[{"count":6,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/posts\/1574\/revisions"}],"predecessor-version":[{"id":4237,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/posts\/1574\/revisions\/4237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/media\/4235"}],"wp:attachment":[{"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/media?parent=1574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/categories?post=1574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smrgrupsigorta.com\/index.php\/wp-json\/wp\/v2\/tags?post=1574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}