"Pop\u00fcler inan\u0131\u015f\u0131n aksine, bir kaza durumunda, araba sigortas\u0131 s\u00fcr\u00fcc\u00fcy\u00fc de\u011fil arabay\u0131 takip eder. Bu nedenle, araban\u0131z\u0131 bir arkada\u015f\u0131n\u0131za veya ziyaret eden bir akraban\u0131za \u00f6d\u00fcn\u00e7 verirseniz, bir kaza meydana geldi\u011finde sorumlu olabilirsiniz. Arkada\u015f\u0131n\u0131z, en y\u00fcksek limitler ve en d\u00fc\u015f\u00fck muafiyetlerle geni\u015f bir teminata sahip olsa bile, arkada\u015f\u0131n\u0131z araba kullan\u0131rken kaza yaparsa, kaskonuzun hasarlar\u0131 kar\u015f\u0131lamas\u0131 gerekir. Birinin araban\u0131z\u0131 birka\u00e7 saat, g\u00fcn veya hafta kullanmas\u0131na izin vermeyi d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, yaln\u0131zca araban\u0131z\u0131 \u00f6d\u00fcn\u00e7 vermedi\u011finizi, ayn\u0131 zamanda araba sigortan\u0131z\u0131 da \u00f6d\u00fcn\u00e7 verdi\u011finizi unutmay\u0131n. \u00c7o\u011fu eyalette, kapsaml\u0131 ve \u00e7arp\u0131\u015fma kapsam\u0131, arac\u0131n\u0131z\u0131 kimin kulland\u0131\u011f\u0131na bak\u0131lmaks\u0131z\u0131n korur\u201d (Esurance). Bu, her g\u00fcn bir\u00e7ok ki\u015fiyi etkileyebilecek bir \u015feydir, ancak ne yaz\u0131k ki, insanlar\u0131n \u00e7ok ge\u00e7 olana ve bir \u015fey olana kadar d\u00fc\u015f\u00fcnmemesi rahatlat\u0131c\u0131d\u0131r. A\u015f\u0131r\u0131 bir durumda, birisi onu izniniz olmadan kulland\u0131\u011f\u0131 i\u00e7in arac\u0131n\u0131za bir \u015fey olabilir. Bu durumda ne yapars\u0131n?<\/p>\n
<\/p>\n
Bir\u00e7ok insan i\u00e7in en k\u00f6t\u00fc durum senaryosu - birisi araban\u0131z\u0131 \u00e7alar veya izniniz olmadan kullan\u0131r. Bu oldu\u011funda ve arac\u0131n\u0131za, ba\u015fkas\u0131n\u0131n arac\u0131na veya ba\u015fkas\u0131n\u0131n mal\u0131na zarar veren bir kaza oldu\u011funda kendinizi bol s\u0131cak suyun i\u00e7inde bulabilirsiniz. \u201cR\u0131zan\u0131z olmadan araban\u0131z al\u0131n\u0131rsa, herhangi bir zarardan sorumlu tutulmazs\u0131n\u0131z. \u00d6rne\u011fin, bir h\u0131rs\u0131z araban\u0131z\u0131 gezintiye \u00e7\u0131kar\u0131r ve park halindeki bir BMW 740i'ye \u00e7arparsa, BMW'ye gelebilecek herhangi bir hasardan sorumlu olmazs\u0131n\u0131z. Ancak, b\u00fcy\u00fck ihtimalle arac\u0131n\u0131za gelebilecek zararlar\u0131 kar\u015f\u0131lamak i\u00e7in sigortan\u0131z\u0131 kullanmak zorunda kalacaks\u0131n\u0131z. \u00d6te yandan, bir arkada\u015f\u0131n\u0131z araban\u0131z\u0131 izniniz olmadan \u00f6d\u00fcn\u00e7 al\u0131r ve bir kazaya neden olursa, muhtemelen arkada\u015f\u0131n\u0131z\u0131n sigortas\u0131 birincil, sizinki ise ikincil olarak kabul edilecektir. Arkada\u015f\u0131n\u0131z\u0131n sigortas\u0131 yoksa, \u015fans\u0131n\u0131z kalmaz. \u00c7o\u011fu durumda, kazay\u0131 kar\u015f\u0131lamak i\u00e7in kendi araba sigortan\u0131z\u0131 kullanmak zorunda kalacaks\u0131n\u0131z\u201d (Esurance). Bir bireyin araban\u0131z\u0131 kullanma iznini a\u00e7\u0131k\u00e7a reddetti\u011finiz \u00e7ok a\u00e7\u0131k ve net bir \u015fekilde kan\u0131tlanmad\u0131k\u00e7a, \u00e7o\u011fu araba sigortas\u0131 \u015firketi, sizinle birlikte ya\u015fayan veya tan\u0131d\u0131\u011f\u0131n\u0131z birinin arac\u0131n\u0131z\u0131 kullanma izni oldu\u011funu varsayacakt\u0131r. Yani, e\u011fer bir araba kazas\u0131<\/a> B\u00f6yle bir durumda, anahtarlar\u0131 ki\u015fisel olarak veya s\u00f6zl\u00fc olarak teslim etmemi\u015f olsan\u0131z bile, muhtemelen yine de zararlardan sorumlu olacaks\u0131n\u0131z. Bu nedenle, arac\u0131n\u0131z\u0131 kimlerin kullanmas\u0131na izin verdi\u011finizi dikkatlice d\u00fc\u015f\u00fcnmelisiniz.<\/p>\n <\/p>\n Bir ara\u00e7 sahibi olarak yapman\u0131z gereken en \u00f6nemli \u015feylerden biri, poli\u00e7enizin neleri kapsay\u0131p kapsamad\u0131\u011f\u0131n\u0131 ve kasko plan\u0131n\u0131za hangi istisnalar\u0131n dahil edilebilece\u011fini anlamakt\u0131r. Bu sizi, arac\u0131n\u0131z\u0131 ve di\u011fer s\u00fcr\u00fcc\u00fcleri koruyacakt\u0131r. \u201cGaranti kapsam\u0131n\u0131za karar verirken, sigortan\u0131z\u0131n \u015fartlar\u0131 hakk\u0131nda acentenizle uzun uzad\u0131ya konu\u015fun, b\u00f6ylece bir kaza meydana geldi\u011finde nas\u0131l \u00e7al\u0131\u015faca\u011f\u0131n\u0131 bilirsiniz. Poli\u00e7enizde nelerin yer almad\u0131\u011f\u0131n\u0131 veya a\u00e7\u0131k\u00e7a yasak oldu\u011funu \u00f6\u011frenin. Ayr\u0131ca, hasarlar\u0131n\u0131z\u0131n kar\u015f\u0131lan\u0131p kar\u015f\u0131lanmayaca\u011f\u0131n\u0131n poli\u00e7enize ba\u011fl\u0131 olaca\u011f\u0131n\u0131 anlay\u0131n. Di\u011fer s\u00fcr\u00fcc\u00fc hatal\u0131ysa ve kendi araban\u0131z hasar g\u00f6rd\u00fcyse, onar\u0131m masraflar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in \u00e7arp\u0131\u015fma sigortas\u0131na ihtiyac\u0131n\u0131z olacakt\u0131r. E\u011fer yoksa, kendi ba\u015f\u0131nas\u0131n\u201d (DMV). Herhangi bir s\u00fcr\u00fcc\u00fcn\u00fcn poli\u00e7esinin \u015fartlar\u0131n\u0131 bilmesi gerekir, ancak bu, poli\u00e7enizi okumak ve i\u00e7ini ve d\u0131\u015f\u0131n\u0131 anlamak i\u00e7in daha fazla nedendir!<\/p>\n <\/p>\n Baz\u0131 araba sigortas\u0131 poli\u00e7elerinde, kendi sigorta kapsam\u0131 olmad\u0131\u011f\u0131nda araban\u0131z\u0131 kullanan bir ki\u015fiyle ilgili maddeler bulunur. Bu, ilgili her iki taraf i\u00e7in de riskli olabilir, ancak baz\u0131 politika sa\u011flay\u0131c\u0131lar bu t\u00fcr bir durumda ne yap\u0131lmas\u0131 gerekti\u011fi konusunda tavsiyelerde bulunur. \u0130\u015fte AllState'teki acentelerden baz\u0131 tavsiyeler: Arac\u0131 olmayan lisansl\u0131 bir s\u00fcr\u00fcc\u00fcyseniz, muhtemelen uzun vadeli bir araba sigortas\u0131 poli\u00e7esine ihtiyac\u0131n\u0131z yoktur. Ancak, bir arkada\u015f\u0131n\u0131z\u0131n arabas\u0131n\u0131 ge\u00e7ici olarak \u00f6d\u00fcn\u00e7 alman\u0131z gerekirse ne yapmal\u0131s\u0131n\u0131z? \u00f6rt\u00fcl\u00fc m\u00fcs\u00fcn? \u0130\u015fte dikkate al\u0131nmas\u0131 gereken baz\u0131 noktalar:<\/p>\n <\/p>\n Otomotiv kazalar\u0131 ve hasarlar\u0131 s\u00f6z konusu oldu\u011funda haklar\u0131n\u0131z\u0131 ve sorumluluklar\u0131n\u0131z\u0131 anlaman\u0131za yard\u0131mc\u0131 olmak i\u00e7in buraday\u0131z. Bir kazada kimin sorumlu oldu\u011fu, kimin sigortas\u0131n\u0131n kullan\u0131lmas\u0131 gerekti\u011fi ve arac\u0131n\u0131z\u0131n izniniz olmadan kullan\u0131lmas\u0131 ve bir kaza olmas\u0131 durumunda ne yapman\u0131z gerekti\u011fi gibi sorular\u0131n\u0131z varsa, size orada da yard\u0131mc\u0131 olabiliriz! \u00dccretsiz dan\u0131\u015fmanl\u0131\u011f\u0131n\u0131z\u0131 planlamak i\u00e7in bug\u00fcn bizi aray\u0131n<\/a> ve g\u00f6zden ge\u00e7irin ve yetenekli ve deneyimli profesyonellerden olu\u015fan ekibimizin her \u015feyi anlaman\u0131za ve haklar\u0131n\u0131z\u0131 ve sorumluluklar\u0131n\u0131z\u0131 anlaman\u0131za yard\u0131mc\u0131 olmas\u0131na izin verin.<\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" "Pop\u00fcler inan\u0131\u015f\u0131n aksine, bir kaza durumunda, araba sigortas\u0131 s\u00fcr\u00fcc\u00fcy\u00fc de\u011fil arabay\u0131 takip eder. Yani araban\u0131z\u0131 bir arkada\u015f\u0131n\u0131za ya da bir ziyaret\u00e7iye \u00f6d\u00fcn\u00e7 verirseniz\u2026<\/p>","protected":false},"author":3,"featured_media":7769,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[775],"tags":[824,846,890],"class_list":["post-7768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-injury","tag-auto-accidents","tag-car-accident-attorney","tag-motorcycle-accidents"],"acf":[],"page_builder_type":"gutenberg","gutenberg_data":[],"_links":{"self":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/7768","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/comments?post=7768"}],"version-history":[{"count":0,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/7768\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media\/7769"}],"wp:attachment":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media?parent=7768"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/categories?post=7768"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/tags?post=7768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Araba Sigortan\u0131z\u0131n Kapsam\u0131n\u0131 ve S\u0131n\u0131rlamalar\u0131n\u0131 Anlay\u0131n<\/h3>\n
S\u00fcr\u00fcc\u00fc Belgesi Olup Arac\u0131 veya Sigortas\u0131 Olmayan Ki\u015filer<\/h3>\n
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Daha Fazla Bilgi \u0130\u00e7in Bug\u00fcn Bize Ula\u015f\u0131n<\/h3>\n