{"id":1679,"date":"2019-12-11T18:24:51","date_gmt":"2019-12-11T18:24:51","guid":{"rendered":"https:\/\/hukuk.name\/?p=1679"},"modified":"2023-07-25T10:36:38","modified_gmt":"2023-07-25T10:36:38","slug":"agir-kusur-teminat-kapsaminda-degildir","status":"publish","type":"post","link":"https:\/\/hukuk.name\/index.php\/2019\/12\/11\/agir-kusur-teminat-kapsaminda-degildir\/","title":{"rendered":"A\u011f\u0131r kusur teminat kapsam\u0131nda de\u011fildir."},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/hukuk.name\/wp-content\/uploads\/2021\/12\/1-Kisa-aciklama-7.png\" alt=\"\" class=\"wp-image-1680\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A\u011f\u0131r kusur teminat kapsam\u0131nda de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trakt\u00f6r\u00fcn \u00f6n k\u0131sm\u0131n\u0131n suya g\u00f6m\u00fclmesi ile olu\u015fan hasar, sigorta teminat\u0131 kapsam\u0131nda olmakla birlikte, suyla temas \u00fczerine ara\u00e7 motorunun durmas\u0131ndan sonra tekrar \u00e7al\u0131\u015ft\u0131r\u0131lmaya zorlanmas\u0131 nedeniyle motor i\u00e7 k\u0131s\u0131mlar\u0131nda meydana gelen hasarlar\u0131n teminat kapsam\u0131nda oldu\u011funu kabul etmek m\u00fcmk\u00fcn de\u011fildir. <\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/hukuk.name\/wp-content\/uploads\/2021\/12\/2-Karar-9.png\" alt=\"\" class=\"wp-image-1681\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>17. Hukuk Dairesi &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2015\/17519 E. &nbsp;, &nbsp;2016\/4201 K.<\/strong><br><strong>&#8220;\u0130\u00e7tihat Metni&#8221;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>MAHKEMES\u0130 :&#8230;&#8230;&#8230;.Asliye Hukuk Mahkemesi<br><br>Taraflar aras\u0131ndaki tazminat davas\u0131 \u00fczerine yap\u0131lan yarg\u0131lama sonunda, kararda yaz\u0131l\u0131 nedenlerle davan\u0131n reddine ili\u015fkin verilen h\u00fck\u00fcm, davac\u0131 vekili taraf\u0131ndan s\u00fcresi i\u00e7inde temyiz edilmekle, dosya incelendi, gere\u011fi d\u00fc\u015f\u00fcn\u00fcld\u00fc:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>-K A R A R-<br>Davac\u0131 vekili, daval\u0131n\u0131n kasko poli\u00e7esi ile sigortalad\u0131\u011f\u0131 davac\u0131ya ait trakt\u00f6r\u00fcn &#8230;&#8230;. \u00c7ay\u0131 yata\u011f\u0131ndan tarlaya ge\u00e7meye \u00e7al\u0131\u015ft\u0131\u011f\u0131 esnada aniden durdu\u011funu, davac\u0131n\u0131n arac\u0131 tekrar \u00e7al\u0131\u015ft\u0131rmad\u0131\u011f\u0131n\u0131 ve servise \u00e7ektirdi\u011fini, eksper taraf\u0131ndan ara\u00e7ta 5.505,92 TL. hasar saptand\u0131\u011f\u0131n\u0131, daval\u0131n\u0131n \u00f6deme talebini reddetti\u011fini, red gerek\u00e7esinin de hasar\u0131n davac\u0131n\u0131n a\u011f\u0131r kusurundan kaynaklanmas\u0131 oldu\u011funu, davac\u0131n\u0131n ge\u00e7meye \u00e7al\u0131\u015ft\u0131\u011f\u0131 deredeki su y\u00fcksekli\u011finin trakt\u00f6r\u00fcn tekerle\u011fi seviyesinde kald\u0131\u011f\u0131n\u0131 ve t\u00fcm k\u00f6yl\u00fcn\u00fcn ayn\u0131 yolu kulland\u0131\u011f\u0131n\u0131, hasar\u0131n olu\u015fumunda davac\u0131n\u0131n a\u011f\u0131r kusuru olmad\u0131\u011f\u0131n\u0131, fazlaya ili\u015fkin haklar\u0131 sakl\u0131 kalmak kayd\u0131yla 5.505,92 TL&#8217;nin olay tarihinden i\u015fleyecek ticari faiziyle birlikte daval\u0131dan tahsilini talep etmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Daval\u0131 vekili, davac\u0131 arac\u0131 \u00fczerinde m\u00fcrtehin kayd\u0131 olan bankan\u0131n davaya muvafakatinin al\u0131nmas\u0131 gerekti\u011fini, davac\u0131n\u0131n tek tarafl\u0131 yapt\u0131\u011f\u0131 kazada trakt\u00f6r\u00fcn suya g\u00f6m\u00fclmesinden sonra \u00e7al\u0131\u015ft\u0131r\u0131lmaya devam edildi\u011fini, bu nedenle hava filtresinden motor i\u00e7 k\u0131sm\u0131na su girmesi nedeniyle hasar olu\u015ftu\u011funu, davac\u0131n\u0131n iradi ve a\u011f\u0131r kusurlu hareketinin neticesi do\u011fan hasar\u0131n teminat d\u0131\u015f\u0131 oldu\u011funu belirterek davan\u0131n reddini savunmu\u015ftur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Mahkemece, iddia, savunma, yap\u0131lan yarg\u0131lama ve toplanan delillere g\u00f6re; mevsim itibariyle debisi y\u00fckselen \u00e7aya davac\u0131n\u0131n bilerek girmesi ve trakt\u00f6r\u00fcn suya g\u00f6m\u00fclmesinden sonra da \u00e7al\u0131\u015ft\u0131rmaya devam etmesi nedeniyle a\u011f\u0131r kusurlu oldu\u011fu, davac\u0131 sigortal\u0131n\u0131n a\u011f\u0131r kusurundan do\u011fan zarar\u0131n teminat kapsam\u0131nda olmad\u0131\u011f\u0131 gerek\u00e7esiyle davan\u0131n reddine karar verilmi\u015f; h\u00fck\u00fcm, davac\u0131 vekili taraf\u0131ndan temyiz edilmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Dava, kasko sigorta poli\u00e7esi ile daval\u0131ya sigortal\u0131 ara\u00e7ta olu\u015fan hasar bedelinin sigortac\u0131dan tahsili istemine ili\u015fkindir.<br>Davaya konu sigorta poli\u00e7esi ve kaza tarihi itibariyle y\u00fcr\u00fcrl\u00fckte bulunan 6762 say\u0131l\u0131 TTK&#8217;nun 1278. maddesinde &#8220;Mukavelede aksine h\u00fck\u00fcm olmad\u0131k\u00e7a sigortac\u0131, sigorta ettiren veya sigortadan faydalanan kimsenin yahut fiillerinden hukuken mesul bulunduklar\u0131 kimselerin kusurlar\u0131ndan do\u011fan hasarlar\u0131 tazmin ile m\u00fckelleftir. Fakat hi\u00e7bir halde sigortac\u0131 sigorta ettiren veya sigortadan faydalanan kimsenin kasd\u0131ndan veya aksi mukavelede yaz\u0131l\u0131 de\u011filse sigorta edilen mal\u0131n ay\u0131b\u0131ndan do\u011fan hasarlar\u0131 tazmine mecbur olmaz.&#8221; d\u00fczenlemesine; rizikonun ger\u00e7ekle\u015fmesi halinde sigortal\u0131n\u0131n ihbar y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne uymamas\u0131n\u0131n sonu\u00e7lar\u0131n\u0131 d\u00fczenleyen 1292\/3. maddesinde &#8220;Sigorta ettiren kimse kasten yukar\u0131daki f\u0131kralar gere\u011fince ihbarda bulunmam\u0131\u015f ise sigorta haklar\u0131n\u0131 zayi eder. Sigorta ettiren kimsenin kusuru halinde, kusurun a\u011f\u0131rl\u0131\u011f\u0131na g\u00f6re sigortac\u0131n\u0131n \u00f6demekle m\u00fckellef oldu\u011fu bedel indirilebilir.&#8221; d\u00fczenlemesine yer verilmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>6762 say\u0131l\u0131 TTK&#8217;nun koruma tedbirleri ba\u015fl\u0131kl\u0131 1293. maddesinin 1. f\u0131kras\u0131nda &#8220;Sigorta ettiren kimse zarar\u0131 \u00f6nlemeye, azaltmaya ve hafifletmeye yar\u0131yacak tedbirleri almakla m\u00fckelleftir. Al\u0131nan tedbirlerden do\u011fan masraflar bu tedbirler faydas\u0131z kalm\u0131\u015f olsa bile sigortac\u0131 taraf\u0131ndan \u00f6denmek laz\u0131md\u0131r; \u015fu kadar ki; sigorta, menfaat de\u011ferinin tamam\u0131na taalluk etmiyorsa vaki masraflar ancak sigorta bedelinin menfaat de\u011ferinin tamam\u0131na olan nispetine g\u00f6re \u00f6denir.&#8221; d\u00fczenlemesi; ayn\u0131 maddenin 2. f\u0131kras\u0131nda ise &#8220;1292. maddenin son f\u0131kras\u0131 h\u00fckm\u00fc burada da tatbik olunur.&#8221; d\u00fczenlemesine yer verilerek; sigortal\u0131 ya da eylemlerinden sorumlu oldu\u011fu ki\u015filerin ihmallerinden do\u011fan zararlar\u0131n sigorta teminat\u0131 kapsam\u0131nda kald\u0131\u011f\u0131, bu ki\u015filerin ancak kast\u0131 varsa olu\u015fan zarar\u0131n sigorta teminat\u0131 d\u0131\u015f\u0131nda oldu\u011fu kabul edilmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><strong>Ayr\u0131ca kasko sigortalar\u0131 bak\u0131m\u0131ndan sigorta teminat\u0131 kapsam\u0131 d\u0131\u015f\u0131nda kalan haller, Kara Ta\u015f\u0131tlar\u0131 Kasko Sigortas\u0131 Genel \u015eartlar\u0131&#8217;n\u0131n A.5. maddesinde say\u0131larak belirlenmi\u015f bulunmaktad\u0131r. <\/strong>KSG\u015e&#8217;n\u0131n A.5.6. maddesinde &#8220;ta\u015f\u0131ta sigortal\u0131 veya fiillerinden sorumlu oldu\u011fu ki\u015filer veya birlikte ya\u015fad\u0131\u011f\u0131 ki\u015filer taraf\u0131ndan kasten verilen zararlar&#8221; teminat d\u0131\u015f\u0131 haller i\u00e7inde say\u0131lm\u0131\u015f, kast boyutuna ula\u015fmayan sigortal\u0131 kusuru, zarar\u0131n sigorta teminat\u0131 d\u0131\u015f\u0131nda kalmas\u0131na yol a\u00e7an hal olarak kabul edilmemi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/hukuk.name\/wp-content\/uploads\/2021\/12\/5-Sonuc-7.png\" alt=\"\" class=\"wp-image-1682\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A\u011f\u0131r kusur teminat kapsam\u0131nda de\u011fildir.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>An\u0131lan t\u00fcm bu d\u00fczenlemeler \u0131\u015f\u0131\u011f\u0131nda somut olaya bak\u0131ld\u0131\u011f\u0131nda; daval\u0131n\u0131n kasko sigorta poli\u00e7esi ile sigortalanan trakt\u00f6r\u00fcn Terme \u00c7ay\u0131&#8217;ndan ge\u00e7i\u015fi esnas\u0131nda \u00f6n k\u0131sm\u0131n\u0131n suya g\u00f6m\u00fclmesi ve hasar olu\u015fmas\u0131 \u015feklinde cereyan eden olayda, davac\u0131 sigortal\u0131n\u0131n kasten hareket etti\u011fini kabul etmek m\u00fcmk\u00fcn olmay\u0131p, ger\u00e7ekle\u015fen rizikonun teminat kapsam\u0131nda oldu\u011fu g\u00f6r\u00fclmektedir. Daval\u0131 sigortac\u0131n\u0131n iddias\u0131, sigortal\u0131 trakt\u00f6r\u00fcn suya g\u00f6m\u00fclmesinden sonra \u00e7al\u0131\u015ft\u0131r\u0131lmaya zorlanmas\u0131 nedeniyle, davac\u0131 sigortal\u0131n\u0131n a\u011f\u0131r kusurlu oldu\u011fu ve bu nedenle hasar bedelinden sorumlu olmad\u0131klar\u0131na ili\u015fkindir. <strong>Trakt\u00f6r\u00fcn \u00f6n k\u0131sm\u0131n\u0131n suya g\u00f6m\u00fclmesi ile olu\u015fan hasar, sigorta teminat\u0131 kapsam\u0131nda olmakla birlikte, suyla temas \u00fczerine ara\u00e7 motorunun durmas\u0131ndan sonra tekrar \u00e7al\u0131\u015ft\u0131r\u0131lmaya zorlanmas\u0131 nedeniyle motor i\u00e7 k\u0131s\u0131mlar\u0131nda meydana gelen hasarlar\u0131n teminat kapsam\u0131nda oldu\u011funu kabul etmek m\u00fcmk\u00fcn de\u011fildir. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zira su ile temas eden ara\u00e7 motorunu yeniden \u00e7al\u0131\u015ft\u0131rmak i\u00e7in zorlamak, davac\u0131 sigortal\u0131 bak\u0131m\u0131ndan kasta varmayan a\u011f\u0131r kusur niteli\u011findedir. Bu durumda, kaskolu trakt\u00f6r\u00fcn \u00f6n k\u0131sm\u0131n\u0131n suya ilk g\u00f6m\u00fclmesi an\u0131nda olu\u015fan hasarlar ile, trakt\u00f6r motorunun suyla temas\u0131 nedeniyle durmas\u0131ndan sonra yeniden \u00e7al\u0131\u015ft\u0131r\u0131lmaya zorlanmas\u0131 sonucu motor i\u00e7 k\u0131s\u0131mlar\u0131nda olu\u015fan hasarlar\u0131n birbirinden ayr\u0131lmas\u0131; ilk durumdaki hasardan daval\u0131 sigortac\u0131n\u0131n sorumlu tutulmas\u0131, ikinci durumdaki hasardan ise sigortac\u0131n\u0131n sorumsuz oldu\u011funun g\u00f6zetilerek de\u011ferlendirme yap\u0131lmas\u0131 gerekmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trakt\u00f6r\u00fcn \u00f6n k\u0131sm\u0131n\u0131n suya g\u00f6m\u00fclmesi ile olu\u015fan hasar, sigorta teminat\u0131 kapsam\u0131nda olmakla birlikte, suyla temas \u00fczerine ara\u00e7 motorunun durmas\u0131ndan sonra tekrar \u00e7al\u0131\u015ft\u0131r\u0131lmaya zorlanmas\u0131 nedeniyle motor i\u00e7 k\u0131s\u0131mlar\u0131nda meydana gelen hasarlar\u0131n teminat kapsam\u0131nda oldu\u011funu kabul etmek m\u00fcmk\u00fcn de\u011fildir. <\/p>\n","protected":false},"author":3,"featured_media":1785,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,18,23],"tags":[48],"class_list":["post-1679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arac-hasarlari-ve-deger-kaybi","category-manset","category-trafik-kazasi-tazminatlari","tag-agir-kusur"],"_links":{"self":[{"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/posts\/1679","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/comments?post=1679"}],"version-history":[{"count":1,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/posts\/1679\/revisions"}],"predecessor-version":[{"id":1793,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/posts\/1679\/revisions\/1793"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/media\/1785"}],"wp:attachment":[{"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/media?parent=1679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/categories?post=1679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hukuk.name\/index.php\/wp-json\/wp\/v2\/tags?post=1679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}