{"id":8614,"date":"2022-02-15T13:06:11","date_gmt":"2022-02-15T18:06:11","guid":{"rendered":"http:\/\/localhost:10028\/uncategorized\/protect-your-family-from-uninsured-drivers\/"},"modified":"2022-02-15T13:06:11","modified_gmt":"2022-02-15T18:06:11","slug":"sigortasiz-suruculerden-ailenizi-koruyun","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/tr\/article\/sigortasiz-suruculerden-ailenizi-koruyun\/","title":{"rendered":"Ailenizi Sigortas\u0131z S\u00fcr\u00fcc\u00fclerden Koruyun"},"content":{"rendered":"<p>New York&#039;taki bir\u00e7ok s\u00fcr\u00fcc\u00fc ya sigortas\u0131z ya da eksik sigortal\u0131. Empire State&#039;in zorunlu bir araba sigortas\u0131 yasas\u0131 olmas\u0131na ra\u011fmen, New York&#039;ta bunlardan biri var. <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noopener\">en y\u00fcksek<\/a> \u00fclkedeki sigortas\u0131z s\u00fcr\u00fcc\u00fclerin y\u00fczdeleri.<\/p>\n<p>Ek olarak, devletin sahip oldu\u011fu bir <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/minimum-car-insurance-requirements\" target=\"_blank\" rel=\"noopener\">en d\u00fc\u015f\u00fck<\/a> \u00fclkedeki otomobil sigortas\u0131 minimum gereksinimleri.<\/p>\n<p>\u00d6rne\u011fin, minimum maddi hasar yaln\u0131zca $10.000&#039;dir. Yeni arabalar\u0131n \u00e7o\u011fu bu miktar\u0131n iki veya \u00fc\u00e7 kat\u0131na mal oluyor.<\/p>\n<p>Ara\u00e7 sigortas\u0131 kapsam\u0131n\u0131n miktar\u0131, her zaman olmamakla birlikte genellikle bir ara\u00e7 \u00e7arp\u0131\u015fmas\u0131 iddias\u0131ndaki en b\u00fcy\u00fck fakt\u00f6rlerden biridir.<\/p>\n<p>Yasa, evler, arabalar ve emeklilik hesaplar\u0131 gibi \u00e7o\u011fu ki\u015fisel varl\u0131\u011f\u0131 korur.<\/p>\n<p>Bu nedenle, genellikle bir sigorta poli\u00e7esi olan ba\u015fka bir kurtarma kayna\u011f\u0131 bulunmad\u0131\u011f\u0131 s\u00fcrece, olumlu bir karar yaln\u0131zca bir ka\u011f\u0131t par\u00e7as\u0131d\u0131r.<\/p>\n<p>Sigortas\u0131z veya sigortas\u0131z bir s\u00fcr\u00fcc\u00fc size \u00e7arpt\u0131ysa, her \u015fey kaybolmaz.<\/p>\n<p>A <a href=\"\/tr\/uygulama-alanlari-2\/kisisel-yaralanma\/\">New York ki\u015fisel yaralanma avukat\u0131<\/a> yine de t\u0131bbi faturalar gibi ekonomik kay\u0131plar\u0131n\u0131z ve a\u011fr\u0131 ve \u0131st\u0131rap gibi ekonomik olmayan kay\u0131plar\u0131n\u0131z i\u00e7in adil bir tazminat alabilir.<\/p>\n<p>Ek olarak, a\u015fa\u011f\u0131da \u00f6zetlendi\u011fi gibi, ailenizi sigortas\u0131z veya yetersiz sigortal\u0131 s\u00fcr\u00fcc\u00fclerin tehlikelerinden proaktif olarak koruman\u0131n baz\u0131 yollar\u0131 vard\u0131r.<\/p>\n<h2>\u00d6nleyici Tedbirler<\/h2>\n<p>Otomobil sigortas\u0131 minimum gereksinimi, aileniz i\u00e7in minimum koruma sa\u011flar. Maksimum koruma mevcuttur ve genellikle ayda birka\u00e7 dolar daha fazlaya mal olur.<\/p>\n<p>\u00c7o\u011fu \u015firket UIM (sigortas\u0131z veya yetersiz sigortal\u0131) ba\u011f\u0131ms\u0131z poli\u00e7eler veya poli\u00e7e eklentileri sunar.<\/p>\n<p>Ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 gibi, bu poli\u00e7eler, kusurlu s\u00fcr\u00fcc\u00fcn\u00fcn sigortas\u0131z veya sigortas\u0131z olmas\u0131 durumunda, poli\u00e7e maksimumuna kadar tazminat \u00f6der.<\/p>\n<p>Brenda&#039;n\u0131n Ramon&#039;a \u00e7arpt\u0131\u011f\u0131n\u0131 ve Ramon&#039;un yeni Mercedes&#039;ini par\u00e7alad\u0131\u011f\u0131n\u0131 varsayal\u0131m. Brenda yaln\u0131zca yukar\u0131da belirtilen minimum $10.000 m\u00fclk hasar\u0131na sahiptir.<\/p>\n<p>Bu, Ramon&#039;un kayb\u0131n\u0131 kar\u015f\u0131lamaya yetecek kadar yak\u0131n de\u011fil.<\/p>\n<p>Ramon&#039;un \u015firketinde UIM sigortas\u0131 varsa, poli\u00e7e Ramon&#039;un yeni bir Mercedes almas\u0131na yetecek kadar \u00f6deme yapabilir.<\/p>\n<p>UIM poli\u00e7eleri, sigortal\u0131 s\u00fcr\u00fcc\u00fcn\u00fcn \u00e7arp-ka\u00e7 kazas\u0131 ge\u00e7irmesi ve New York&#039;taki bir ki\u015fisel yaralanma avukat\u0131n\u0131n haks\u0131z fiil yapan\u0131 (hatal\u0131 s\u00fcr\u00fcc\u00fc) bulamamas\u0131 durumunda da \u00f6deme yapar.<\/p>\n<p>Ek PIP (Ki\u015fisel Yaralanma Korumas\u0131) sigortas\u0131 da mevcut olabilir. New York, hatas\u0131z bir sigorta eyaletidir.<\/p>\n<p>Bu nedenle, herkes bir miktar PIP sigortas\u0131 sat\u0131n almal\u0131d\u0131r. Bu poli\u00e7e, ki\u015fisel yaralanmaya yol a\u00e7mayan bir \u00e7amurluk b\u00fckme kazas\u0131n\u0131n ard\u0131ndan tazminat \u00f6der.<\/p>\n<p>Ek PIP sigortas\u0131, UIM sigortas\u0131na biraz benzer. Ancak ek PIP genellikle yaln\u0131zca t\u0131bbi faturalar\u0131 kapsar.<\/p>\n<p>Genel olarak bu ek sigorta poli\u00e7eleri \u00e7ok y\u00fcksek teminat limitlerine ve \u00e7ok d\u00fc\u015f\u00fck primlere sahiptir. Yani, yat\u0131r\u0131ma de\u011fer.<\/p>\n<h2>Araba Kazas\u0131 Taleplerinde Dolayl\u0131 Sorumluluk<\/h2>\n<p>Bahsedildi\u011fi gibi, sigorta tutar\u0131 bir araba kazas\u0131 talebinde her zaman \u00f6nemli bir fakt\u00f6r de\u011fildir. Asl\u0131nda, bazen hi\u00e7 bir fakt\u00f6r bile de\u011fildir. Bu, \u00f6zellikle dolayl\u0131 bir sorumluluk (\u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131s sorumlulu\u011fu) teorisi ge\u00e7erliyse ge\u00e7erlidir. Baz\u0131 \u00f6rnekler \u015funlar\u0131 i\u00e7erir:<\/p>\n<ul>\n<li><strong>\u0130\u015fveren Sorumlulu\u011fu<\/strong>: <em>\u00fcst\u00fcn cevap ver <\/em>kural genellikle Uber s\u00fcr\u00fcc\u00fcs\u00fc, kamyon \u015fof\u00f6r\u00fc, taksi \u015fof\u00f6r\u00fc ve di\u011fer ticari i\u015fletmeci iddialar\u0131nda ge\u00e7erlidir. \u0130\u015fverenler, \u00e7al\u0131\u015fanlar\u0131n\u0131n g\u00f6revlerinin s\u00fcresi ve kapsam\u0131 boyunca ihmalkar davranmalar\u0131 durumunda meydana gelebilecek zararlardan mali olarak sorumludur.<\/li>\n<li><strong>Mal Sahibinin Sorumlulu\u011fu<\/strong>: Ara\u00e7 sahipleri bilerek ehliyetsiz operat\u00f6rlerin motorlu ara\u00e7lar\u0131n\u0131 s\u00fcrmelerine izin verir ve bu ehliyetsiz s\u00fcr\u00fcc\u00fcler kazalara neden olursa, zararlardan mali olarak sahipleri sorumludur. Yetersizli\u011fin kan\u0131t\u0131, s\u00fcr\u00fcc\u00fc belgesi olmamas\u0131, g\u00fcvenlik nedeniyle ask\u0131ya al\u0131nm\u0131\u015f bir s\u00fcr\u00fcc\u00fc belgesi ve k\u00f6t\u00fc bir s\u00fcr\u00fcc\u00fc sicili i\u00e7erir. Enterprise Rent-a-Car ve di\u011fer ticari ihmalden kaynaklanan emanet iddialar\u0131nda \u00f6zel kurallar ge\u00e7erlidir.<\/li>\n<li><strong>Dram ma\u011fazas\u0131<\/strong>: Restoranlar ve barlar gibi ticari alkol sa\u011flay\u0131c\u0131lar\u0131, daha sonra kazalara neden olacak sarho\u015f ki\u015filere bilerek alkol satarlarsa, araba kazas\u0131nda meydana gelen hasarlardan dolayl\u0131 olarak sorumludurlar. Sat\u0131\u015f noktas\u0131nda zehirlenme kan\u0131t\u0131, \u00f6nceki alkol sat\u0131\u015flar\u0131n\u0131 ve geveleyerek konu\u015fma ve kanl\u0131 g\u00f6zler gibi fiziksel semptomlar\u0131 i\u00e7erir.<\/li>\n<\/ul>\n<p>Parti sunucular\u0131 gibi ticari olmayan sa\u011flay\u0131c\u0131lar da, ihmalkar taahh\u00fct gibi bir teori kapsam\u0131nda, alkolle ilgili \u00e7arp\u0131\u015fma hasarlar\u0131ndan dolayl\u0131 olarak sorumlu olabilir.<\/p>\n<h2>Vur-Ka\u00e7 \u0130ddialar\u0131nda \u00d6zel Hususlar<\/h2>\n<p>Emniyet m\u00fcfetti\u015fleri \u00e7\u00f6z\u00fcyor <a href=\"https:\/\/www.psychreg.org\/percentage-hit-and-run-solved\/\" target=\"_blank\" rel=\"noopener\">y\u00fczde 10&#039;dan az<\/a> bu iddialardan<\/p>\n<p>Bununla birlikte, bir polis soru\u015fturmas\u0131 sonu\u00e7suz kalsa bile, azami tazminat yine de mevcut olabilir.<\/p>\n<p>Bu iddialardaki kan\u0131tlama y\u00fck\u00fc, yaln\u0131zca kan\u0131tlar\u0131n \u00fcst\u00fcnl\u00fc\u011f\u00fcd\u00fcr (olmamas\u0131ndan daha olas\u0131d\u0131r). Bu nedenle, genellikle bir arac\u0131n sahibinin kimli\u011fini tespit etmek yeterlidir.<\/p>\n<p>Sahibinin ayn\u0131 zamanda \u015fof\u00f6r olmas\u0131 muhtemeldir.<\/p>\n<p>Bir g\u00f6rg\u00fc tan\u0131\u011f\u0131n\u0131n ar\u0131zal\u0131 arac\u0131n genel bir tan\u0131m\u0131n\u0131 ve k\u0131smi bir plaka numaras\u0131n\u0131 ald\u0131\u011f\u0131n\u0131 varsayal\u0131m.<\/p>\n<p>Bir New York ki\u015fisel yaralanma avukat\u0131, ceza mahkemesinde pratik olarak i\u015fe yaramayan bu bilgi k\u00fcl\u00e7elerini, mal sahibini bulmak ve kazadan sahibini sorumlu tutmak i\u00e7in kullanabilir.<\/p>\n<p>Bir kazadan \u00f6nce ve sonra, ailenizi sigortas\u0131z s\u00fcr\u00fcc\u00fclerin tehlikelerinden koruyabilirsiniz.<\/p>\n<p>ile \u00fccretsiz dan\u0131\u015fma i\u00e7in <a href=\"\/tr\/bize-ulasin\/\">New York&#039;ta deneyimli ki\u015fisel yaralanma avukat\u0131<\/a>, contact Napoli Shkolnik . We do not charge upfront legal fees and only recover a fee when we win your case.<\/p>","protected":false},"excerpt":{"rendered":"<p>New York&#039;taki bir\u00e7ok s\u00fcr\u00fcc\u00fc ya sigortas\u0131z ya da eksik sigortal\u0131. Empire State&#039;in zorunlu bir otomobil sigortas\u0131 yasas\u0131 olmas\u0131na ra\u011fmen, New York sigortas\u0131z sigortal\u0131lar\u0131n en y\u00fcksek y\u00fczdelerinden birine sahip\u2026<\/p>","protected":false},"author":3,"featured_media":8615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[775],"tags":[964,824,825,851,878,890],"class_list":["post-8614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-injury","tag-personal-injury","tag-auto-accidents","tag-truck-accidents","tag-personal-injury-lawyers-near-me","tag-insurance-claims","tag-motorcycle-accidents"],"acf":[],"page_builder_type":"gutenberg","gutenberg_data":[],"_links":{"self":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/8614","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=8614"}],"version-history":[{"count":0,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/8614\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media\/8615"}],"wp:attachment":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media?parent=8614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/categories?post=8614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/tags?post=8614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}