{"id":13504,"date":"2023-01-04T17:34:08","date_gmt":"2023-01-04T14:34:08","guid":{"rendered":"https:\/\/citil.av.tr\/?p=13504"},"modified":"2023-01-04T17:37:25","modified_gmt":"2023-01-04T14:37:25","slug":"sigorta-sozlesmesi-nedir","status":"publish","type":"post","link":"https:\/\/citil.av.tr\/en\/sigorta-sozlesmesi-nedir\/","title":{"rendered":"Sigorta S\u00f6zle\u015fmesi Nedir?"},"content":{"rendered":"

Hayat\u0131n ola\u011fan ak\u0131\u015f\u0131 i\u00e7erisinde ya\u015fanabilecek olumsuz olaylar\u0131n olumsuz sonu\u00e7lar\u0131na kar\u015f\u0131 ekonomik a\u00e7\u0131dan kendinizi koruyor musunuz? Sigorta s\u00f6zle\u015fmesi ile bu m\u00fcmk\u00fcn.Gelin beraber inceleyelim.<\/p>\n

Tan\u0131m\u0131 Nedir?<\/strong><\/p>\n

T\u00fcrk Ticaret Kanunu Madde 1401<\/strong>
\nSigorta s\u00f6zle\u015fmesi, sigortac\u0131n\u0131n bir prim kar\u015f\u0131l\u0131\u011f\u0131nda, ki\u015finin para ile \u00f6l\u00e7\u00fclebilir bir menfaatini zarara u\u011fratan tehlikenin, rizikonun, meydana gelmesi halinde bunu tazmin etmeyi ya da bir veya birka\u00e7 ki\u015finin hayat s\u00fcreleri sebebiyle ya da hayatlar\u0131nda ger\u00e7ekle\u015fen baz\u0131 olaylar dolay\u0131s\u0131yla bir para \u00f6demeyi veya di\u011fer edimlerde bulunmay\u0131 y\u00fck\u00fcmlendi\u011fi s\u00f6zle\u015fmedir.<\/em><\/p>\n

Bu tan\u0131mdan hareketle Sigorta s\u00f6zle\u015fmesi, sigortac\u0131n\u0131n sigorta g\u00fcvencesini ve sigorta ettirenin de prim \u00f6deme borcunu \u00fcstlendi\u011fi her iki tarafa bor\u00e7 y\u00fckleyen s\u00f6zle\u015fmedir.Sigorta s\u00f6zle\u015fmesi sigortac\u0131 ile sigorta ettirenin kar\u015f\u0131l\u0131kl\u0131 iradelerinin \u00f6rt\u00fc\u015fmesi ile kurulur. Uygulamada ise sigorta s\u00f6zle\u015fmesi, haz\u0131r bas\u0131l\u0131 teklifnamelerin sigorta ettiren taraf\u0131ndan imzalanmas\u0131 ve sigorta \u015firketinin poli\u00e7e d\u00fczenleyerek m\u00fc\u015fterisine vermesi ile kurulmaktad\u0131r.S\u00f6zle\u015fmenin unsurlar\u0131 ise \u201csigorta menfaati, prim, sigorta bedeli ve riziko\u201ddur.<\/p>\n

Nas\u0131l Kurulur ?<\/strong><\/p>\n

Sigorta s\u00f6zle\u015fmesi herhangi bir \u015fekil \u015fart\u0131na ba\u011fl\u0131 de\u011fildir. Sigortac\u0131 ile sigorta ettirenin s\u00f6zle\u015fmenin zorunlu unsurlar\u0131nda yaz\u0131l\u0131 veya s\u00f6zl\u00fc olarak anla\u015fmalar\u0131 ile sigorta s\u00f6zle\u015fmesi kurulmu\u015f olur. S\u00f6zle\u015fmenin kurulabilmesi i\u00e7in taraflar\u0131n iradelerinin uyu\u015fmas\u0131 gerekmektedir. Ayr\u0131ca T\u00fcrk Ticaret Kanunu\u2019nda sigortac\u0131n\u0131n susmas\u0131 sonuca ba\u011flanm\u0131\u015ft\u0131r. TTK m.1405\/1 h\u00fckm\u00fcne g\u00f6re\u00a0\u201cSigortac\u0131 ile sigorta s\u00f6zle\u015fmesi yapmak isteyen ki\u015finin, s\u00f6zle\u015fmenin yap\u0131lmas\u0131 i\u00e7in verdi\u011fi teklifname, teklifname tarihinden itibaren otuz g\u00fcn i\u00e7inde reddedilmemi\u015fse sigorta s\u00f6zle\u015fmesi kurulmu\u015f say\u0131l\u0131r.\u201d<\/em>\u00a0Sigortac\u0131l\u0131k Kanunu m.11\/2 h\u00fckm\u00fc ise\u00a0\u201cHayat sigortalar\u0131na ili\u015fkin s\u00f6zle\u015fmelerin yap\u0131lamas\u0131na dair teklifnamenin sigorta \u015firketine ula\u015ft\u0131\u011f\u0131 tarihten itibaren otuz g\u00fcn i\u00e7inde sigorta \u015firketi taraf\u0131ndan reddedilmemesi halinde sigorta s\u00f6zle\u015fmesi yap\u0131lm\u0131\u015f\u00a0 olur.\u201d<\/em>\u00a0<\/em>\u015feklindedir.<\/p>\n

Taraflar\u0131 Kimler ?<\/strong><\/p>\n

S\u00f6zle\u015fmenin tarafar\u0131 sigortac\u0131 ve sigorta ettirenden olu\u015fur.Sigortac\u0131n\u0131n kimler olaca\u011f\u0131 5684 say\u0131l\u0131 sigortac\u0131l\u0131k kanununda d\u00fczenlenmi\u015ftir.Yaln\u0131zca Anonim \u015firketler ve kooperatifler sigortac\u0131 olabilir.Sigorta ettiren ise tam ehliyetli olan herkes sigorta ettiren olarak sigorta s\u00f6zle\u015fmesinin taraf\u0131 olabilir.<\/p>\n

Taraflar\u0131n Bor\u00e7lar\u0131 Nelerdir ?<\/strong><\/p>\n

Sigortac\u0131 a\u00e7\u0131s\u0131ndan Rizikoyu ta\u015f\u0131mak,Sigortal\u0131y\u0131 bilgilendirmek,Sigorta poli\u00e7esi vermek,Masraflar\u0131 \u00f6demek,Sigorta tazminat\u0131n\u0131 \u00f6demek.<\/p>\n

Sigorta ettiren a\u00e7\u0131s\u0131ndan Prim \u00f6deme borcu,S\u00f6zle\u015fme yap\u0131l\u0131rken do\u011fru bilgi verme,Rizikoyu a\u011f\u0131rla\u015ft\u0131rmama ve a\u011f\u0131rla\u015fan rizikoyu bildirme,Rizikonun ger\u00e7ekle\u015fece\u011fini bildirme,Rizikonun ger\u00e7ekle\u015fmesinden sonra bilgi verme,Ara\u015ft\u0131rma yap\u0131lmas\u0131na izin verme,Riziko ger\u00e7ekle\u015ftikten sonra zarar\u0131 azaltma ve kurtarma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcd\u00fcr.<\/p>\n

Ayberk Ertekin\u00a0<\/strong><\/p>\n

\u00c7itil Avukatl\u0131k Ortakl\u0131\u011f\u0131 Blog sayfas\u0131nda yer alan hukuk ve di\u011fer konulardaki yaz\u0131lar ilk sizin e-postan\u0131za gelsin isterseniz \u00c7itil Haber B\u00fclteni\u2019ne abone olun!<\/strong><\/p>\n

https:\/\/dergipark.org.tr\/tr\/download\/article-file\/199317<\/a><\/p>\n

https:\/\/www.tsb.org.tr\/turkiyede-sigortacilik.aspx?pageID=439<\/a><\/p>\n

https:\/\/www.alomaliye.com\/2018\/03\/16\/dunyada-ve-turkiyede-sigortacilik\/<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Hayat\u0131n ola\u011fan ak\u0131\u015f\u0131 i\u00e7erisinde ya\u015fanabilecek olumsuz olaylar\u0131n olumsuz sonu\u00e7lar\u0131na kar\u015f\u0131 ekonomik a\u00e7\u0131dan kendinizi koruyor musunuz? Sigorta s\u00f6zle\u015fmesi ile bu m\u00fcmk\u00fcn.Gelin beraber inceleyelim. Tan\u0131m\u0131 Nedir? T\u00fcrk Ticaret Kanunu Madde 1401 Sigorta s\u00f6zle\u015fmesi, sigortac\u0131n\u0131n bir prim kar\u015f\u0131l\u0131\u011f\u0131nda, ki\u015finin para ile \u00f6l\u00e7\u00fclebilir bir menfaatini zarara u\u011fratan tehlikenin, rizikonun, meydana gelmesi halinde bunu tazmin etmeyi ya da bir veya…<\/p>","protected":false},"author":1,"featured_media":13507,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[95],"tags":[587,588],"yoast_head":"\n\u00c7itil Avukatl\u0131k Ortakl\u0131\u011f\u0131 - Sigorta S\u00f6zle\u015fmesi Nedir?<\/title>\n<meta name=\"description\" content=\"Sigorta s\u00f6zle\u015fmesi, sigortac\u0131n\u0131n bir prim kar\u015f\u0131l\u0131\u011f\u0131nda, ki\u015finin para ile \u00f6l\u00e7\u00fclebilir bir menfaatini zarara u\u011fratan tehlikenin, rizikonun, meydana gelmesi halinde bunu tazmin etmeyi ya da bir veya birka\u00e7 ki\u015finin hayat s\u00fcreleri sebebiyle ya da hayatlar\u0131nda ger\u00e7ekle\u015fen baz\u0131 olaylar dolay\u0131s\u0131yla bir para \u00f6demeyi veya di\u011fer edimlerde bulunmay\u0131 y\u00fck\u00fcmlendi\u011fi s\u00f6zle\u015fmedir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/citil.av.tr\/en\/sigorta-sozlesmesi-nedir\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c7itil Avukatl\u0131k Ortakl\u0131\u011f\u0131 - 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