\u201cQ\u0259za-komissar\u0131\u201d \u2013 v\u0259zif\u0259si il\u0259 ba\u011fl\u0131 yaz\u0131n\u0131n meydana g\u0259lm\u0259si t\u0259sad\u00fcfi deyil. Son zamanlar \u201cAz\u0259rs\u0131\u011forta\u201d, \u201cStandart \u0130nsurance\u201d v\u0259 \u201cG\u00fcnayS\u0131\u011forta\u201d \u015firk\u0259tl\u0259rinin imtina hallar\u0131nda q\u0259za komissarlar\u0131n\u0131n m\u00fcvafiq ara\u015fd\u0131rma aparmas\u0131 v\u0259 yekunda onlar\u0131n g\u0259ldiyi q\u0259na\u0259td\u0259n sonra \u201c\u0130mtina\u201d m\u0259ktublar\u0131n\u0131n \u00e7oxalmas\u0131 s\u0259b\u0259bind\u0259n olmu\u015fdur.
\n(https:\/\/www.facebook.com\/groups\/966995513368406\/<\/a>\u00a0)
\nQeyd etm\u0259k ist\u0259rdim ki, haz\u0131rda avton\u0259qliyyat hadis\u0259si zaman\u0131 hadis\u0259ni ara\u015fd\u0131rmaq v\u0259zif\u0259si \u201cAz\u0259rbaycan Respublikas\u0131 Daxili \u0130\u015fl\u0259r Nazirliyinin m\u00fcvafiq strukturlar\u0131na \u2013D\u00f6vl\u0259t Yol Polisin\u0259 v\u0259 t\u0259hqiqat-istintaq orqanlar\u0131na\u201d v\u0259 \u018fmlak hadis\u0259l\u0259ri \u00fczr\u0259 is\u0259 \u201cF\u00f6vq\u0259lad\u0259 Hallar Nazirliyinin \u0130stintaq orqan\u0131na\u201d h\u0259val\u0259 edilmi\u015fdir.
\n\u00d6lk\u0259mizd\u0259 S\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda qanunun 5-ci madd\u0259sind\u0259 S\u0131\u011forta sistemi v\u0259 s\u0131\u011forta bazar\u0131n\u0131n i\u015ftirak\u00e7\u0131lar\u0131n\u0131n siyah\u0131s\u0131n\u0131 vermi\u015fl\u0259r :
\n5.1. S\u0131\u011forta sistemi s\u0131\u011forta bazar\u0131n\u0131n i\u015ftirak\u00e7\u0131lar\u0131ndan v\u0259 maliyy\u0259 bazarlar\u0131na n\u0259zar\u0259t orqan\u0131ndan ibar\u0259tdir.
\n5.2. S\u0131\u011forta\u00e7\u0131lar, t\u0259krars\u0131\u011forta\u00e7\u0131lar, s\u0131\u011forta vasit\u0259\u00e7il\u0259ri, aktuaril\u0259r, m\u00fcst\u0259qil auditorlar, m\u00fcst\u0259qil ekspertl\u0259r v\u0259 s\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r s\u0131\u011forta bazar\u0131n\u0131n pe\u015f\u0259kar i\u015ftirak\u00e7\u0131lar\u0131d\u0131r.
\n5.3. S\u0131\u011fortal\u0131lar, s\u0131\u011forta olunanlar v\u0259 faydalanan \u015f\u0259xsl\u0259r s\u0131\u011forta bazar\u0131n\u0131n dig\u0259r i\u015ftirak\u00e7\u0131lar\u0131d\u0131r.<\/p>\n

<\/a>
\nG\u00f6st\u0259ril\u0259n madd\u0259d\u0259n ayd\u0131n olur ki, \u201cQ\u0259za komissar\u0131\u201d ifad\u0259si qanunda \u00fcmumiyy\u0259tl\u0259 a\u00e7\u0131qlamas\u0131 verilm\u0259y\u0259n \u0259cn\u0259bi bir termindir. Y\u0259ni bu ifad\u0259 Rusiyada \u201cavarinn\u0131y komissar\u201d ifad\u0259sinin az\u0259rbaycan dilin\u0259 t\u0259rc\u00fcm\u0259 olunmu\u015f v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin v\u0259t\u0259nda\u015fa t\u0259zyiq vasit\u0259si kimi t\u0259qdim etdikl\u0259ri bir anlay\u0131\u015fd\u0131r.
\nS\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda qanunun 5.2-ci madd\u0259sind\u0259 \u201cm\u00fcst\u0259qil ekspertl\u0259r v\u0259 s\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r s\u0131\u011forta bazar\u0131n\u0131n pe\u015f\u0259kar i\u015ftirak\u00e7\u0131lar\u0131\u201d- Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n sayt\u0131nda yerl\u0259\u015fdirilmi\u015fdir. (https:\/\/www.fimsa.az\/az\/registry-insuarance<\/a>) . Dig\u0259r m\u0259s\u0259l\u0259l\u0259rl\u0259 ba\u011fl\u0131 s\u0131\u011forta \u015firk\u0259tl\u0259rinin v\u0259t\u0259nda\u015f\u0131 sor\u011fu sual etm\u0259k, izahat yazd\u0131rmaq kimi \u0259lav\u0259 v\u0259t\u0259nda\u015f s\u00fcr\u00fcnd\u00fcrm\u0259\u00e7iliyi etm\u0259si qanunun pozulmas\u0131 dem\u0259kdir. \u018fg\u0259r s\u0131\u011forta \u015firk\u0259ti hans\u0131sa hadis\u0259d\u0259n \u015f\u00fcbh\u0259l\u0259n\u0259rs\u0259 qanunda birba\u015fa g\u00f6st\u0259rildiyi kimi m\u00fcst\u0259qil ekspert\u0259 v\u0259 s\u0131\u011forta bazar\u0131n\u0131n pe\u015f\u0259kar i\u015ftirak\u00e7\u0131lar\u0131na m\u00fcraci\u0259t etm\u0259lidir. H\u0259min \u015f\u0259xsl\u0259r konkret olaraq h\u0259r hans\u0131 s\u0131\u011forta \u015firk\u0259tin \u0259m\u0259kda\u015f\u0131 v\u0259 ya v\u0259zif\u0259li \u015f\u0259xsi olmamal\u0131d\u0131r. Bu konsepsiya v\u0259t\u0259nda\u015fla s\u0131\u011forta \u015firk\u0259ti aras\u0131ndak\u0131 \u201c\u0259dal\u0259tli orta\u201d-n\u0131 tapma\u011fa k\u00f6m\u0259k etm\u0259lidir. \u018fg\u0259r v\u0259zif\u0259li \u015f\u0259xs h\u0259min \u015firk\u0259tin \u0259m\u0259kda\u015f\u0131d\u0131rsa v\u0259 oradan ayl\u0131q m\u0259vacib al\u0131rsa o dem\u0259kdir ki, burada h\u0259min \u015f\u0259xs t\u0259r\u0259fdir. Onlar\u0131n toplad\u0131\u011f\u0131 s\u00fcbut qeyri-qanunidir v\u0259 \u015f\u00fcbh\u0259lidir. Qanun yuxar\u0131da sadalad\u0131qlar\u0131m\u0131 deyir.<\/p>\n

<\/a>S\u0131\u011forta \u015firk\u0259tl\u0259ri nec\u0259 edir?
\nG\u00f6r\u00fcn\u0259n reall\u0131q tamamil\u0259 ba\u015fqad\u0131r. S\u0131\u011forta \u015firk\u0259tl\u0259ri \u0259lav\u0259 bir v\u0259zif\u0259-\u015ftat a\u00e7m\u0131\u015flar v\u0259 ad\u0131n\u0131 \u201cq\u0259za komissar\u0131 v\u0259.s\u201d adland\u0131raraq \u015firk\u0259tin m\u0259nafeyi lehin\u0259 informasiyalar\u0131n y\u0131\u011f\u0131lmas\u0131 v\u0259 laz\u0131m g\u0259l\u0259rs\u0259 bu informasiyaya \u0259saslanaraq \u201cimtina hal\u0131\u201d yaratmaqdan ibar\u0259tdir. Konkret olaraq haz\u0131rda s\u0131\u011forta \u015firk\u0259tl\u0259rinin DYP-nin q\u0259bul etdiyi \u201c\u0130nzibati protokolu-q\u0259rar\u0131\u201d m\u00fcbahis\u0259l\u0259ndir\u0259 bilm\u0259m\u0259l\u0259ri onlar\u0131 \u00e7\u0131x\u0131lmaz v\u0259ziyy\u0259t\u0259 salm\u0131\u015fd\u0131r. Onlar is\u0259 \u00f6z n\u00f6vb\u0259l\u0259rind\u0259 h\u0259r\u0259k\u0259tl\u0259rin\u0259 \u201cqanuni\u201ddonu geydir\u0259r\u0259k \u00f6zl\u0259rini xilas etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar.
\nM\u0259s\u0259l\u0259nin h\u0259ll yolu varm\u0131?
\nBu m\u0259s\u0259l\u0259nin h\u0259ll yolu \u0259lb\u0259tt\u0259 ki var bunlar a\u015fa\u011f\u0131dak\u0131lard\u0131r:
\n1. Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 t\u0259cili bu halla ba\u011fl\u0131 s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 bu v\u0259zif\u0259l\u0259rin l\u0259\u011fv olunmas\u0131 t\u0259l\u0259bini qoymal\u0131d\u0131r.
\n2. S\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda qanunun 5.2-ci madd\u0259sind\u0259 \u201cm\u00fcst\u0259qil ekspertl\u0259r v\u0259 s\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r s\u0131\u011forta bazar\u0131n\u0131n pe\u015f\u0259kar i\u015ftirak\u00e7\u0131lar\u0131\u201d kateqoriyas\u0131ndan olan \u015f\u0259xsl\u0259ri s\u0131\u011forta \u015firk\u0259tl\u0259ri il\u0259 qar\u015f\u0131l\u0131ql\u0131 f\u0259aliyy\u0259t\u0259 c\u0259lb etm\u0259li, bir s\u00f6zl\u0259 s\u0131\u011forta \u015f\u0259rk\u0259tl\u0259rin\u0259 qanun \u00e7\u0259r\u00e7iv\u0259sind\u0259 h\u0259r\u0259k\u0259t etm\u0259yi ciddi tap\u015f\u0131rmal\u0131 v\u0259 buna n\u0259zar\u0259t etm\u0259lidir.
\nQeyd etm\u0259k ist\u0259rdim ki, 2011-ci il\u0259 q\u0259d\u0259r q\u0259za hallar\u0131na \u00e7\u0131x\u0131\u015f\u0131 ed\u0259n s\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r f\u0259aliyy\u0259t g\u00f6st\u0259rmi\u015fl\u0259r. N\u0259d\u0259ns\u0259 bir m\u00fcdd\u0259t sonra h\u0259min i\u015fl\u0259ri s\u0131\u011forta \u015firk\u0259tinin \u0259m\u0259kda\u015flar\u0131 g\u00f6rm\u0259y\u0259 ba\u015flam\u0131\u015flar. H\u0259min d\u00f6vrd\u0259 bir m\u00fcdd\u0259t s\u0131\u011fortan\u0131n m\u0259nafel\u0259rin\u0259 toxundu\u011fu halda s\u0131\u011forta \u015firk\u0259ti d\u0259 \u201c\u0130nzibati protokoldan \u015fikay\u0259t ver\u0259 bilirdi\u201d. Lakin 2016-c\u0131 ilin noyabr \u0131nda Az\u0259rbaycan Respublikas\u0131 \u0130nzibati X\u0259talar M\u0259c\u0259ll\u0259sinin 128.1-ci madd\u0259sinin(t\u0259r\u0259fl\u0259r anlay\u0131\u015f\u0131n\u0131n) \u015f\u0259rh edilm\u0259sin\u0259 dair Az\u0259rbaycan Respublikas\u0131 Konstitusiya M\u0259hk\u0259m\u0259si Plenumunun Q\u0259rar\u0131nda qeyd olundu ki s\u0131\u011forta \u015firk\u0259tl\u0259ri g\u00fcnah\u0131 m\u00fcbahis\u0259l\u0259ndir\u0259 bilm\u0259zl\u0259r.<\/p>\n

S\u0131\u011forta \u00fczr\u0259 ekspert-h\u00fcquq\u015f\u00fcnas<\/strong><\/p>\n

\u0130lkin \u0130brahimov<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cQ\u0259za-komissar\u0131\u201d \u2013 v\u0259zif\u0259si il\u0259 ba\u011fl\u0131 yaz\u0131n\u0131n meydana g\u0259lm\u0259si t\u0259sad\u00fcfi deyil. Son zamanlar \u201cAz\u0259rs\u0131\u011forta\u201d, \u201cStandart \u0130nsurance\u201d v\u0259 \u201cG\u00fcnayS\u0131\u011forta\u201d \u015firk\u0259tl\u0259rinin imtina hallar\u0131nda q\u0259za komissarlar\u0131n\u0131n m\u00fcvafiq ara\u015fd\u0131rma aparmas\u0131 v\u0259 yekunda onlar\u0131n g\u0259ldiyi q\u0259na\u0259td\u0259n sonra \u201c\u0130mtina\u201d m\u0259ktublar\u0131n\u0131n \u00e7oxalmas\u0131 s\u0259b\u0259bind\u0259n olmu\u015fdur. (https:\/\/www.facebook.com\/groups\/966995513368406\/\u00a0) Qeyd etm\u0259k ist\u0259rdim ki, haz\u0131rda avton\u0259qliyyat hadis\u0259si zaman\u0131 hadis\u0259ni ara\u015fd\u0131rmaq v\u0259zif\u0259si \u201cAz\u0259rbaycan Respublikas\u0131 Daxili \u0130\u015fl\u0259r Nazirliyinin m\u00fcvafiq strukturlar\u0131na […]<\/p>\n","protected":false},"author":3,"featured_media":25837,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1220],"tags":[],"class_list":["post-25836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avtosigorta"],"_links":{"self":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/25836","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/comments?post=25836"}],"version-history":[{"count":0,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/25836\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media\/25837"}],"wp:attachment":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media?parent=25836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/categories?post=25836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/tags?post=25836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}