\u201c2016-c\u0131 ild\u0259 edil\u0259n son d\u0259yi\u015fiklikl\u0259r\u0259 n\u0259z\u0259r yetirs\u0259k, \u0259sas d\u0259yi\u015fiklikl\u0259rd\u0259n biri icbari s\u0131\u011fortalarda blanklar\u0131n l\u0259\u011fv olunmas\u0131 oldu. Y\u0259ni icbari s\u0131\u011fortalanma prosesi online formas\u0131na ke\u00e7di. Bundan ba\u015fqa birba\u015fa t\u0259nziml\u0259m\u0259 prinsipi t\u0259tbiq olundu, y\u0259ni s\u0131\u011fortaland\u0131\u011f\u0131n\u0131z \u015firk\u0259td\u0259n d\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fini almaq m\u0259s\u0259l\u0259si qanunvericiliy\u0259 g\u0259tirildi. Bu da kifay\u0259t q\u0259d\u0259r b\u00f6y\u00fck bir d\u0259yi\u015fiklik idi\u201d. Bunu \u201cAvtoclub\u201d verili\u015finin qona\u011f\u0131, s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis\u00a0 Mustafa Abbasb\u0259yli s\u00f6yl\u0259yib.<\/p>\n

Ekspert bildirib ki, \u0259vv\u0259lki qaydaya \u0259sas\u0259n siz A \u015firk\u0259tind\u0259 avtomobilinizi icbari m\u0259suliyy\u0259t s\u0131\u011forta etdirmi\u015fdinizs\u0259 v\u0259 t\u0259qsir sizd\u0259 deyildis\u0259, z\u0259r\u0259r vuran \u015f\u0259xsin s\u0131\u011forta \u015firk\u0259ti ba\u015fqa s\u0131\u011forta \u015firk\u0259ti idis\u0259, siz m\u00fcraci\u0259t edirdiniz h\u0259min o ba\u015fqa s\u0131\u011forta \u015firk\u0259tin\u0259 v\u0259 z\u0259r\u0259rinizi h\u0259min s\u0131\u011forta \u015firk\u0259tind\u0259n t\u0259l\u0259b edirdiniz. Yeni qaydalara \u0259sas\u0259n is\u0259 avtomobiliniz hans\u0131 \u015firk\u0259td\u0259 s\u0131\u011fortalan\u0131bsa, h\u0259min \u015firk\u0259td\u0259n d\u0259 \u00f6d\u0259ni\u015f t\u0259l\u0259b edirsiniz v\u0259 h\u0259min s\u0131\u011forta \u015firk\u0259tinin siz\u0259 verdiyi \u00f6d\u0259ni\u015fi z\u0259r\u0259r vuran\u0131n s\u0131\u011forta \u015firk\u0259tind\u0259n subraqasiya qaydas\u0131nda geri al\u0131n\u0131r.<\/p>\n

\u201cM\u00fc\u0259yy\u0259n istisnalar var ki, z\u0259r\u0259r \u00e7\u0259k\u0259n \u015f\u0259xs s\u0131\u011forta \u00f6d\u0259ni\u015fini almas\u0131na baxmayaraq, \u00f6d\u0259ni\u015fi vermi\u015f s\u0131\u011forta \u015firk\u0259ti z\u0259r\u0259rvuran \u015f\u0259xsd\u0259n h\u0259min \u00f6d\u0259ni\u015fi geri ala bil\u0259r\u201d- Mustafa Abbasb\u0259yli bel\u0259 deyib.\u00a0 Bu hallar hans\u0131lard\u0131r sual\u0131na, ekspertin cavab\u0131 bel\u0259 olub: \u201cMisal \u00fc\u00e7\u00fcn, n\u0259qliyyat vasit\u0259sini idar\u0259 etm\u0259k h\u00fcququ olmadan z\u0259r\u0259r vuran \u015f\u0259xs avtomobil idar\u0259 edibs\u0259, bu halda s\u0131\u011forta \u015firk\u0259ti \u00f6d\u0259ni\u015fi\u00a0 z\u0259r\u0259r \u00e7\u0259k\u0259n \u015f\u0259xs\u0259 \u00f6d\u0259yir, daha sonra is\u0259 h\u0259min m\u0259bl\u0259\u011fi h\u0259min \u015f\u0259xsd\u0259n geri al\u0131r. S\u00fcr\u00fcc\u00fcn\u00fcn i\u00e7kili v\u0259ziyy\u0259td\u0259 oldu\u011fu v\u0259 ya hadis\u0259 yerini t\u0259rk etdiyi halda, kobud qayda pozuntusu il\u0259 hadis\u0259 t\u00f6r\u0259tdikd\u0259 d\u0259 bunu ed\u0259 bil\u0259r. Bu hallarda s\u0131\u011forta \u015firk\u0259ti subraqasiya qaydas\u0131nda \u00f6d\u0259ni\u015fi z\u0259r\u0259r vuran \u015f\u0259xsd\u0259n al\u0131r. Dig\u0259r hallarda is\u0259 s\u0131\u011forta \u015firk\u0259ti \u00f6d\u0259ni\u015f edir v\u0259 bununla da m\u0259s\u0259l\u0259 ba\u011flan\u0131r. Amma konkret olaraq ist\u0259nil\u0259n \u015f\u0259xs\u0259 yol h\u0259r\u0259k\u0259ti haqq\u0131nda qanunvericiliy\u0259 \u0259sas\u0259n s\u00fcr\u00fcc\u00fcl\u00fck h\u00fcququ varsa, etibarnam\u0259si varsa v\u0259 ya avtomobilin sahibi avtomobild\u0259 \u0259yl\u0259\u015fibs\u0259, bu hallarda s\u0131\u011forta \u00f6d\u0259ni\u015fi verilir v\u0259 he\u00e7 kimd\u0259n d\u0259 subraqasiya qaydas\u0131nda \u00f6d\u0259ni\u015f t\u0259l\u0259b edilmir\u201d.<\/p>\n

S\u0131\u011forta m\u00fcqavil\u0259sinin avtomobild\u0259 g\u0259zdirilm\u0259sin\u0259 ehtiyac\u0131n olub-olmamas\u0131 sual\u0131na s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssisin cavab\u0131 bel\u0259 olub:\u00a0 \u201cYol H\u0259r\u0259k\u0259ti Haqq\u0131nda Qanunvericiliy\u0259 yax\u0131n vaxtlarda bu d\u0259yi\u015fikliyin edil\u0259c\u0259yi g\u00f6zl\u0259nilir. Haz\u0131rda qanunla bu t\u0259l\u0259b edilm\u0259lidir, amma s\u0131\u011forta il\u0259 ba\u011fl\u0131\u00a0 qanuna \u0259sas\u0259n d\u0259 bu t\u0259l\u0259b edilm\u0259m\u0259lidir. Bu bax\u0131mdan da\u00a0 ziddiy\u0259tli m\u0259s\u0259l\u0259l\u0259r m\u00fc\u0259yy\u0259n m\u0259nada qal\u0131r. Amma t\u0259cr\u00fcb\u0259y\u0259 n\u0259z\u0259r salsaq, DYP-d\u0259 bu m\u00fcqavil\u0259l\u0259r t\u0259l\u0259b edilmir, c\u0259rim\u0259l\u0259r t\u0259tbiq olunmur\u201d.<\/p>\n

Qeyd ed\u0259k ki, ist\u0259nil\u0259n \u015f\u0259xsin \u00f6z\u00fc icbari s\u0131\u011fortas\u0131n\u0131n q\u00fcvv\u0259d\u0259 olub-olmamas\u0131n\u0131 9707 sms xidm\u0259ti vasit\u0259si il\u0259 \u00f6yr\u0259n\u0259 bil\u0259r. Bundan ba\u015fqa, h\u0259tta\u00a0 DYP-nin m\u0259lumat bazas\u0131nda da bu haqda informasiyan\u0131 asan \u015f\u0259kild\u0259 \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr.<\/p>\n

\u201c\u0130cbari s\u0131\u011forta haqq\u0131nda qanuna \u0259sas\u0259n, \u0259g\u0259r i\u015ftirak\u00e7\u0131lar icbari s\u0131\u011forta almaq \u00fc\u00e7\u00fcn s\u0131\u011forta \u015firk\u0259tin\u0259 m\u00fcraci\u0259t etm\u0259k ist\u0259yirl\u0259rs\u0259, hadis\u0259 ba\u015f verdikd\u0259 DYP \u0259m\u0259kda\u015flar\u0131n\u0131 d\u0259v\u0259t edirl\u0259r, avtomobilin s\u0259n\u0259dl\u0259rini, s\u00fcr\u00fcc\u00fcl\u00fck v\u0259siq\u0259sini, etibarnam\u0259 varsa onu v\u0259 dig\u0259r s\u0259n\u0259dl\u0259ri s\u0131\u011forta \u015firk\u0259tin\u0259 t\u0259qdim edirl\u0259r. Bir halda icbari s\u0131\u011forta qanunvericiliyi bu s\u0259n\u0259dl\u0259ri v\u0259 DYP-dan forma 4 deyil\u0259n hadis\u0259 i\u015ftirak\u00e7\u0131lar\u0131n\u0131n t\u0259qsirini m\u00fc\u0259yy\u0259n ed\u0259n aray\u0131\u015f\u0131 t\u0259l\u0259b etm\u0259y\u0259 ehtiyac olmur. Qanunvericilikd\u0259 bunun \u00fc\u00e7\u00fcn bir ne\u00e7\u0259 \u015f\u0259rt var. Bunlar\u0131n biri z\u0259r\u0259rin min manata q\u0259d\u0259r olmas\u0131 hal\u0131d\u0131r, dig\u0259ri is\u0259 i\u015ftirak\u00e7\u0131lar\u0131n say\u0131n\u0131n ikid\u0259n art\u0131q olmamas\u0131d\u0131r. Daha bir \u015f\u0259rt d\u0259 fiziki x\u0259sar\u0259t y\u0259ni s\u0259hh\u0259t\u0259 d\u0259y\u0259n z\u0259r\u0259rin qeyd\u0259 al\u0131nmamas\u0131d\u0131r. Bu hallarda s\u00fcr\u00fcc\u00fcl\u0259r DYP-ya m\u00fcraci\u0259t etm\u0259d\u0259n, m\u00fcvafiq aray\u0131\u015f almadan s\u0131\u011forta \u015firk\u0259tin\u0259 m\u00fcraci\u0259t edib, m\u0259bl\u0259\u011fi rahat \u015f\u0259kild\u0259 ala bil\u0259rl\u0259r\u201d. Bu cavab is\u0259 ekspertimizin q\u0259za ba\u015f verdiyi halda t\u0259l\u0259b edil\u0259n s\u0259n\u0259dl\u0259r, s\u0131\u011forta agentinin i\u015ftirak\u0131 v\u0259 m\u00fc\u0259yy\u0259n edil\u0259c\u0259k m\u0259bl\u0259\u011f m\u0259s\u0259l\u0259si il\u0259 ba\u011fl\u0131 verdiyimiz suala oldu.<\/p>\n

Kasko s\u0131\u011fortas\u0131 il\u0259 icbari s\u0131\u011fortan\u0131n f\u0259rqini s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis bel\u0259 izah edib: \u201c<\/strong>\u0130cbari s\u0131\u011forta, icbari m\u0259suliyy\u0259t s\u0131\u011fortas\u0131 sizin m\u0259suliyy\u0259tinizi s\u0131\u011fortalay\u0131r. Y\u0259ni sizin avtomobiliniz\u0259 d\u0259y\u0259n z\u0259r\u0259r he\u00e7 bir halda \u00f6d\u0259nilmir. Sizin \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs\u0259 vurdu\u011funuz z\u0259r\u0259r s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilir. Kasko s\u0131\u011fortas\u0131nda is\u0259 sizin bilavasit\u0259 avtomobilinizin \u00f6z\u00fc t\u0259minata daxil olur. V\u0259 sizin avtomobiliniz\u0259 d\u0259y\u0259n z\u0259r\u0259r s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilir\u201d.<\/p>\n

Fran\u015fiza il\u0259 ba\u011fl\u0131 sual\u0131 cavabland\u0131ran\u00a0 ekspert icbari s\u0131\u011forta il\u0259 ba\u011fl\u0131 istifad\u0259 edil\u0259n bu termin\u0259 d\u0259 ayd\u0131nl\u0131q g\u0259tirdi: \u201c2000-ci ild\u0259 s\u0131\u011forta qanunvericiliyin\u0259 edilmi\u015f d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n bu m\u0259hfuma bir anlam g\u0259tirildi v\u0259 azad edilm\u0259 kimi qanunvericilkd\u0259 t\u0259tbiq edildi. Bu n\u0259dir? S\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n, d\u0259ymi\u015f z\u0259r\u0259rin h\u0259r hans\u0131 bir hiss\u0259sinin \u00f6d\u0259nilm\u0259m\u0259sidir. Misal \u00fc\u00e7\u00fcn, kasko s\u0131\u011fortas\u0131nda siz avtomobilinizi s\u0131\u011fortalam\u0131s\u0131n\u0131z. V\u0259 m\u00fcqavil\u0259d\u0259\u00a0 m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011f fran\u015fiza kimi misal \u00fc\u00e7\u00fcn 100 manatd\u0131r. Bu o dem\u0259kdir ki, hadis\u0259 zaman\u0131 d\u0259ymi\u015f z\u0259r\u0259rin m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq, h\u0259min m\u0259bl\u0259\u011f s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259y\u0259c\u0259k\u201d.<\/p>\n

Qeyd ed\u0259k ki, fran\u015fizan\u0131n \u00f6z\u00a0 t\u0259tbiq etm\u0259 mexanizmi\u00a0 var.\u00a0 Bu avtomobilin d\u0259y\u0259rind\u0259n, minik vasit\u0259sinin burax\u0131l\u0131\u015f ilinin k\u00f6hn\u0259liyind\u0259n, s\u00fcr\u00fcc\u00fcn\u00fcn staj\u0131ndan v\u0259 dig\u0259r m\u0259s\u0259l\u0259l\u0259rd\u0259n as\u0131l\u0131dr. Mustafa Abbasb\u0259yli bildirib\u00a0 ki, fran\u015fiza ad\u0259t\u0259n bir faiz civar\u0131nda olur, amma bu h\u0259r hans\u0131 bir t\u0259cr\u00fcb\u0259d\u0259 t\u0259tbiq edil\u0259n m\u00fc\u0259yy\u0259n nisb\u0259t deyil. Y\u0259ni ist\u0259nil\u0259n formada azad olunma m\u0259bl\u0259\u011fi t\u0259tbiq edil\u0259 bil\u0259r.<\/p>\n

Avtomobilini s\u0131\u011fortalayan s\u00fcr\u00fcc\u00fcl\u0259rin diqq\u0259t yetirm\u0259li oldu\u011fu \u0259sas \u015f\u0259rtl\u0259rl\u0259 ba\u011fl\u0131 s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis\u00a0 bunlar\u0131 s\u00f6yl\u0259yib: \u201c\u018fg\u0259r kasko s\u0131\u011fortas\u0131ndan s\u00f6hb\u0259t gedirs\u0259, avtomobili s\u0131\u011fortalayanda birinci n\u00f6vb\u0259d\u0259 s\u0131\u011forta \u015firk\u0259ti d\u00fczg\u00fcn se\u00e7ilm\u0259lidir. \u015eirk\u0259tin \u00f6d\u0259ni\u015f qabiliyy\u0259tin\u0259, bazardak\u0131 n\u00fcfuzuna, maliyy\u0259 g\u00f6st\u0259ricil\u0259rin\u0259 n\u0259z\u0259r yetirilm\u0259lidir. Sonra is\u0259 m\u00fcqavil\u0259 imzalanark\u0259n hans\u0131 m\u0259s\u0259l\u0259l\u0259r\u0259 diqq\u0259t yetirilm\u0259lidir? \u0130lk n\u00f6vb\u0259d\u0259 avtomobilin d\u0259y\u0259ri d\u00fczg\u00fcn \u015f\u0259kild\u0259 m\u00fc\u0259yy\u0259n edilm\u0259lidir. \u00c7\u00fcnki n\u00f6vb\u0259ti g\u00fcn o\u011furluq hadis\u0259 ba\u015f verdikd\u0259 avtomobil sahibi hans\u0131sa bir z\u0259r\u0259r\u0259 u\u011framas\u0131n. Onu da qeyd edim ki, avtomobilin d\u0259y\u0259rinin y\u00fcks\u0259k v\u0259 ya a\u015fa\u011f\u0131 m\u0259bl\u0259\u011fd\u0259 g\u00f6st\u0259rilm\u0259si v\u0259t\u0259nda\u015f \u00fc\u00e7\u00fcn xeyirli deyil. \u018fn yax\u015f\u0131s\u0131 real d\u0259y\u0259rin m\u00fc\u0259yy\u0259n edilm\u0259sidir. Dig\u0259r m\u0259s\u0259l\u0259 is\u0259 fran\u015fiza m\u0259s\u0259l\u0259sidir, y\u0259ni azad olman\u0131n m\u00fc\u0259yy\u0259n edildiyi m\u0259bl\u0259\u011f.Ona da diqq\u0259t yetirilm\u0259lidir. \u00c7al\u0131\u015fmaq laz\u0131md\u0131r ki, maksimum d\u0259r\u0259c\u0259d\u0259 az olsun. T\u0259bii ki, onun az olmas\u0131 \u00fc\u00e7\u00fcn d\u0259 \u0259lav\u0259 s\u0131\u011forta haqq\u0131 \u00f6d\u0259nilm\u0259lidir. Amma t\u0259r\u0259fl\u0259r \u00f6zl\u0259ri m\u00fc\u0259yy\u0259n etm\u0259lidirl\u0259r ki, azad olma m\u0259bl\u0259\u011finin az olmas\u0131n\u0131 ist\u0259yirl\u0259rs\u0259, bunun \u00fc\u00e7\u00fcn \u0259lav\u0259 s\u0131\u011forta haqq\u0131 \u00f6d\u0259m\u0259k laz\u0131md\u0131r\u201d.<\/p>\n

Alq\u0131-satq\u0131 zaman\u0131 icbari s\u0131\u011fortalanan n\u0259qliyyat vasit\u0259sinin bitm\u0259mi\u015f s\u0131\u011forta m\u00fcqavil\u0259sinin d\u0259yi\u015fdirilm\u0259sin\u0259 ehtiyac varm\u0131 sual\u0131na is\u0259 Mustafa Abbasb\u0259yli bunlar\u0131 s\u00f6yl\u0259yib: \u201cXeyr. Bu qanun q\u0259bul edil\u0259nd\u0259 buna ehtiyac vard\u0131. Daha sonra edilmi\u015f d\u00fcz\u0259li\u015fl\u0259r\u0259 \u0259sas\u0259n avtomobilin sahibind\u0259n as\u0131l\u0131 olmayaraq, s\u0131\u011forta m\u00fcqavil\u0259si bitm\u0259 tarixin\u0259 q\u0259d\u0259r q\u00fcvv\u0259d\u0259 qal\u0131r\u201d.<\/p>\n

Hadis\u0259 ba\u015f verdikd\u0259 q\u0259za komissar\u0131n\u0131n \u0259raziy\u0259 g\u0259lm\u0259sinin m\u0259cburi olmad\u0131\u011f\u0131n\u0131 bildir\u0259n ekspert, bunun s\u0131\u011forta \u015firk\u0259tind\u0259n as\u0131l\u0131 oldu\u011funu qeyd edib: \u201cQ\u0259za komissar\u0131n\u0131 g\u00f6nd\u0259r\u0259 d\u0259 bil\u0259rl\u0259r, g\u00f6nd\u0259rm\u0259y\u0259 d\u0259. Bu s\u0131\u011forta \u015firk\u0259ti \u00fc\u00e7\u00fcn hadis\u0259nin v\u0259 d\u0259ymi\u015f z\u0259r\u0259rin h\u0259cmind\u0259n as\u0131l\u0131d\u0131r\u201d.<\/p>\n

Q\u0259za ba\u015f verdiyi zaman avtomobil sahibi s\u00fcr\u00fcc\u00fcl\u00fck v\u0259siq\u0259sini, \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sini, avtomobilin texniki \u015f\u0259had\u0259tnam\u0259sini v\u0259 DYP \u0259m\u0259kda\u015f\u0131n\u0131n \u00e7a\u011f\u0131r\u0131lmas\u0131na ehtiyac duyuldu\u011fu halda DYP-nin ilkin aray\u0131\u015f\u0131n\u0131, buna 3 sayl\u0131 aray\u0131\u015f deyilir, t\u0259qdim etm\u0259lidir. Daha sonra is\u0259 s\u0131\u011forta \u015firk\u0259tinin sor\u011fusuna \u0259sas\u0259n DYP-d\u0259n t\u0259qsirkar \u015f\u0259xsi m\u00fc\u0259yy\u0259n ed\u0259n 4 n\u00f6mr\u0259li aray\u0131\u015f t\u0259qdim olunur v\u0259 d\u0259ymi\u015f z\u0259r\u0259r m\u00fc\u0259yy\u0259n edilir. Bu s\u0259n\u0259dl\u0259r \u0259sas\u0131nda da s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilir.<\/p>\n

Hadis\u0259 ba\u015f verdikd\u0259n sonra b\u0259z\u0259n minik vasit\u0259sinin yerinin d\u0259yi\u015fdirilm\u0259sin\u0259 g\u00f6r\u0259 s\u0131\u011forta \u015firk\u0259tinin n\u00fcmay\u0259nd\u0259si il\u0259 m\u00fc\u0259yy\u0259n m\u00fcbahis\u0259li m\u0259s\u0259l\u0259l\u0259r yaran\u0131r. V\u0259ziyy\u0259tin nec\u0259 t\u0259nziml\u0259nm\u0259sin\u0259 ekspert bel\u0259 ayd\u0131nl\u0131q g\u0259tirib:<\/p>\n

\u201c\u00dcmumiyy\u0259tl\u0259 avtomobili s\u0131\u011forta \u015firk\u0259tinin n\u00fcmay\u0259nd\u0259si g\u0259lm\u0259d\u0259n hadis\u0259 yerind\u0259n \u00e7\u0259km\u0259k olmaz dey\u0259n bir m\u00fcdd\u0259a yoxdur. Bu s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn niy\u0259 \u00f6n\u0259mlidir? \u00c7\u00fcnki m\u00fc\u0259yy\u0259n hallarda s\u00fcr\u00fcc\u00fcl\u0259r bundan sui-istifad\u0259 edirl\u0259r. Hadis\u0259 i\u015ftirak\u00e7\u0131lar\u0131 t\u0259qsiri m\u00fc\u0259yy\u0259n m\u0259nada dig\u0259r \u015f\u0259xsl\u0259rin \u00fcz\u0259rin\u0259 y\u0131xma\u011fa c\u0259hd edirl\u0259r. Bu bax\u0131mdan s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00e7al\u0131\u015f\u0131rlar ki, hadis\u0259 yerind\u0259 olsunlar v\u0259 \u0259raziy\u0259 g\u0259l\u0259n\u0259 q\u0259d\u0259r he\u00e7 bir d\u0259yi\u015fiklik olmas\u0131n\u201d.<\/p>\n

Mustafa Abbasb\u0259yli bildirib ki, q\u0259za ba\u015f verdikd\u0259 al\u0131nan x\u0259sar\u0259tl\u0259 ba\u011fl\u0131 icbari s\u0131\u011forta haqq\u0131nda qanuna \u0259sas\u0259n hadis\u0259 \u00fczr\u0259 h\u0259r bir \u015f\u0259xs\u0259 d\u0259y\u0259n z\u0259r\u0259r be\u015f min manat olmaqla, \u00fcmumilikd\u0259 is\u0259 bir hadis\u0259 \u00fczr\u0259 55 min manat s\u0131\u011forta \u00f6d\u0259ni\u015fi veril\u0259 bil\u0259r. Bu, bir hadis\u0259ni \u0259hat\u0259 edir. Ba\u015f ver\u0259n hadis\u0259nin say\u0131ndan as\u0131l\u0131 olmayaraq, s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n eyni m\u0259bl\u0259\u011fd\u0259 \u00f6d\u0259ni\u015f verilm\u0259lidir.<\/p>\n

Ekspert qeyd edib ki, qanuna \u0259sas\u0259n s\u0131\u011forta \u00f6d\u0259ni\u015fi kompensasiya \u015f\u0259klind\u0259 y\u0259ni pul formas\u0131nda v\u0259 ya natura \u015f\u0259klind\u0259 \u00f6d\u0259nil\u0259 bil\u0259r. Y\u0259ni raz\u0131l\u0131\u011fa \u0259sas\u0259n z\u0259r\u0259r \u00e7\u0259k\u0259n\u0259 v\u0259sait d\u0259 \u00f6d\u0259nil\u0259 bil\u0259r, v\u0259 ya onun avtomobili t\u0259mir d\u0259 edil\u0259 bil\u0259r.<\/p>\n

\u0130cbari s\u0131\u011forta il\u0259 ba\u011fl\u0131\u00a0 m\u0259rk\u0259zl\u0259\u015fdirilmi\u015f sistem m\u00f6vcuddur. B\u00fct\u00fcn endiriml\u0259r d\u0259, \u0259lav\u0259 s\u0131\u011forta haqq\u0131 da, icbari s\u0131\u011forta b\u00fcrosu t\u0259r\u0259find\u0259n t\u0259qdim edilir. Bu, b\u00fct\u00fcn s\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259 eynidir.<\/p>\n

\u0130cbari s\u0131\u011fortan\u0131n yaln\u0131z Az\u0259rbaycan \u0259razisind\u0259 q\u00fcvv\u0259d\u0259 oldu\u011funu vur\u011fulayan s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis, m\u0259s\u0259l\u0259nin \u00f6lk\u0259ni t\u0259rk etdikd\u0259 ya\u015f\u0131l kart sistemi il\u0259 t\u0259nziml\u0259ndiyini bildirib:\u00a0 \u201cAz\u0259rbaycan da art\u0131q ya\u015f\u0131l kart sistemin\u0259 qo\u015fulub. Avtomobili il\u0259 \u00f6lk\u0259ni t\u0259rk ed\u0259n \u015f\u0259xs s\u0131\u011forta \u015firk\u0259tind\u0259n ya\u015f\u0131l kart \u0259ld\u0259 ed\u0259 bil\u0259r. \u00d6lk\u0259 s\u0259rh\u0259dl\u0259rind\u0259n k\u0259narda ya\u015f\u0131l kart sisteminin \u0259hat\u0259 etdiyi d\u00f6vl\u0259tl\u0259rd\u0259 laz\u0131m g\u0259ldikd\u0259 bu kartdan yararlana bil\u0259r\u201d. Qeyd ed\u0259k ki, ya\u015f\u0131l kart sistemin\u0259 \u0259sas\u0259n Avropa \u00f6lk\u0259l\u0259ri daxil olmaqla, \u00fcmumilikd\u0259 56 d\u00f6vl\u0259t qo\u015fulub. Onlar\u0131n aras\u0131nda Rusiya, Ukrayna, T\u00fcrkiy\u0259, \u0130ran v\u0259 \u0130srail d\u0259 var.<\/p>\n

Mustafa Abbasb\u0259yli qeyd edib ki, minik avtomobill\u0259rinin s\u0131\u011fortalanmas\u0131\u00a0 vahid s\u0131\u011forta qaydalar\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259nziml\u0259nir: \u201cB\u00fct\u00fcn s\u0131\u011forta \u015firk\u0259tl\u0259ri eyni \u015f\u0259rtl\u0259r t\u0259tbiq etm\u0259lidir. Amma n\u0259qliyyat vasit\u0259si minik avtomobili deyils\u0259 y\u0259ni y\u00fck avtomobili, avtobus, dig\u0259r h\u00fcquqi \u015f\u0259xs\u0259 m\u0259xsus minik vasit\u0259sidirs\u0259, bu halda s\u0131\u011forta \u015firk\u0259tl\u0259rinin t\u0259tbiq etdiyi \u015f\u0259rtl\u0259r tam s\u0259rb\u0259stdir. Bu hallarda s\u0131\u011forta sahibi diqq\u0259tli olmal\u0131d\u0131r ki, sabah hadis\u0259 ya\u015fanan zaman probleml\u0259 \u00fczl\u0259\u015fm\u0259sin\u201d.<\/p>\n

S\u0131\u011forta \u015firk\u0259ti il\u0259 s\u0131\u011forta etdir\u0259n \u015f\u0259xs aras\u0131nda ya\u015fana bil\u0259c\u0259k probleml\u0259r\u0259 g\u0259linc\u0259, ekspert bunlar\u0131 s\u00f6yl\u0259yib: \u201cS\u0131\u011forta m\u00fcnasib\u0259tl\u0259rind\u0259 s\u0131rf avtomobill\u0259, \u0259mlakla\u00a0 ba\u011fl\u0131 olan iki m\u0259qam var. Bir -s\u0131\u011forta \u00f6d\u0259ni\u015finin verilib-verilm\u0259m\u0259si. \u0130ki- veril\u0259n s\u0131\u011forta \u00f6d\u0259ni\u015fi n\u0259 q\u0259d\u0259r olmal\u0131d\u0131r? M\u00f6vcud m\u00fcbahis\u0259l\u0259rin 99 faizi bu iki m\u0259s\u0259l\u0259 \u0259traf\u0131nda olur. \u00d6d\u0259ni\u015f imtina olundu\u011fu halda m\u00fcbahis\u0259l\u0259ndirilir ki, imtina olunmamal\u0131d\u0131r, v\u0259 ya \u00f6d\u0259ni\u015f verildiyi halda m\u0259bl\u0259\u011f m\u00fcbahis\u0259l\u0259ndirilir\u201d. T\u0259cr\u00fcb\u0259d\u0259 bu m\u00fcbahis\u0259l\u0259rin art\u0131q g\u00fcnd\u0259n-g\u00fcn\u0259 azald\u0131\u011f\u0131n\u0131n m\u00fc\u015fahid\u0259 edildiyini bildir\u0259n ekspert, bunu s\u0131\u011forta sferas\u0131ndak\u0131\u00a0 t\u0259kmill\u0259\u015fm\u0259 il\u0259 izah edir. Bu da \u00f6z m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259rir.<\/p>\n

\u0130cbari avtomobil s\u0131\u011fortas\u0131 il\u0259 kasko s\u0131\u011fortas\u0131n\u0131n f\u0259rqini izah ed\u0259n ekspert Mustafa Abbasb\u0259yli, s\u0131\u011forta m\u0259suliyy\u0259tinin bir \u015f\u0259xsin dig\u0259r \u015f\u0259xs\u0259 vurdu\u011fu z\u0259r\u0259r n\u0259tic\u0259sind\u0259 yarand\u0131\u011f\u0131n\u0131 v\u0259 n\u0259tic\u0259d\u0259 \u00f6d\u0259ni\u015f olundu\u011funu bildirib. S\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis qeyd edir ki, z\u0259lz\u0259l\u0259, yan\u011f\u0131n, o\u011furluq hallar\u0131 icbari s\u0131\u011forta\u00a0 m\u00fcqavil\u0259sinin predmeti deyil. Bu kimi m\u0259s\u0259l\u0259l\u0259r kasko s\u0131\u011fortas\u0131na aiddir.<\/p>\n

Ekspert Mustafa Abbasb\u0259yli qeyd edib ki, imzalanan m\u00fcqavil\u0259 qanunvericiliy\u0259 uy\u011fun\u00a0 olaraq\u00a0 \u015f\u0259xsin ist\u0259yi il\u0259, avtomobil sahibinin v\u0259fat etm\u0259si v\u0259 ya \u0259mlak\u0131n m\u0259hv olmas\u0131 qeyd\u0259 al\u0131nd\u0131qda, s\u0131\u011forta m\u00fcqavil\u0259sin\u0259 xitam veril\u0259 bil\u0259r\u201d.<\/p>\n

Bonus-malus sistemi, s\u0131\u011forta b\u00fcrosu t\u0259r\u0259find\u0259n t\u0259tbiq edil\u0259n bir sistemdir. Bu sistemd\u0259 s\u0131\u011fortal\u0131 \u015f\u0259xsin \u00f6t\u0259n ill\u0259r \u0259rzind\u0259 ald\u0131\u011f\u0131 s\u0131\u011forta haqlar\u0131n\u0131n m\u00fcqabilind\u0259 ona \u0259lav\u0259 olaraq malus sistemi t\u0259tbiq olunur.\u00a0 Y\u0259ni n\u00f6vb\u0259ti ilin s\u0131\u011fortas\u0131 \u00fc\u00e7\u00fcn onun s\u0131\u011forta haqq\u0131 daha \u00e7ox olur. \u018fg\u0259r \u015f\u0259xs s\u0131\u011forta \u00f6d\u0259ni\u015fi almay\u0131bsa, n\u00f6vb\u0259ti ill\u0259rd\u0259 onun s\u0131\u011forta haqq\u0131 daha az olur. Ekspert s\u00fcr\u00fcc\u00fcl\u0259r\u0259 avtomobill\u0259rini \u00f6z \u015f\u0259xsiyy\u0259t v\u0259siq\u0259l\u0259ri il\u0259 s\u0131\u011fortalama\u011f\u0131 t\u00f6vsiy\u0259 edir. Y\u0259ni avtomobilinin s\u0131\u011fortalanmas\u0131 zaman\u0131 kimin \u015f\u0259xsiyy\u0259t v\u0259siq\u0259sind\u0259n istifad\u0259 edilibs\u0259, h\u0259min \u015f\u0259xsin hadis\u0259si \u015f\u0259xsiyy\u0259t v\u0259siq\u0259si sahibinin bonus-malus sistemin\u0259 t\u0259tbiq edil\u0259c\u0259k.<\/p>\n

Ekspert bildirib ki, s\u0131\u011forta sahibi d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdikd\u0259 ona aid m\u0259bl\u0259\u011f h\u0259min \u015f\u0259xsin v\u0259r\u0259s\u0259l\u0259rin\u0259 t\u0259qdim edilir.<\/p>\n

Mustafa Abbasb\u0259yli kasko s\u0131\u011fortas\u0131 \u00fc\u00e7\u00fcn \u0259n y\u00fcks\u0259k \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011finin dig\u0259r \u00f6lk\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259, Az\u0259rbaycanda daha a\u015fa\u011f\u0131 oldu\u011funu bildirib: \u201cAz\u0259rbaycan t\u0259cr\u00fcb\u0259sind\u0259 kasko s\u0131\u011fortas\u0131n\u0131n t\u0259xmini haqq\u0131 avtomobilin d\u0259y\u0259rinin\u00a0 3-4 faiz nisb\u0259tind\u0259 g\u00f6t\u00fcr\u00fcl\u00fcr.\u00a0 Onu da qeyd ed\u0259k ki, bu m\u0259bl\u0259\u011f dig\u0259r \u00f6lk\u0259l\u0259rd\u0259 daha y\u00fcks\u0259kdir. Misal \u00fc\u00e7\u00fcn, Rusiyada kaskonun h\u0259cmi 9-10 faiz civar\u0131ndad\u0131r. Avropa \u00f6lk\u0259l\u0259rind\u0259 is\u0259 daha y\u00fcks\u0259k, 20 faiz\u0259 q\u0259d\u0259rdir\u201d.<\/p>\n

http:\/\/www.youtube.com\/watch?v=qo6D_U2CTyA<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201c2016-c\u0131 ild\u0259 edil\u0259n son d\u0259yi\u015fiklikl\u0259r\u0259 n\u0259z\u0259r yetirs\u0259k, \u0259sas d\u0259yi\u015fiklikl\u0259rd\u0259n biri icbari s\u0131\u011fortalarda blanklar\u0131n l\u0259\u011fv olunmas\u0131 oldu. Y\u0259ni icbari s\u0131\u011fortalanma prosesi online formas\u0131na ke\u00e7di. Bundan ba\u015fqa birba\u015fa t\u0259nziml\u0259m\u0259 prinsipi t\u0259tbiq olundu, y\u0259ni s\u0131\u011fortaland\u0131\u011f\u0131n\u0131z \u015firk\u0259td\u0259n d\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fini almaq m\u0259s\u0259l\u0259si qanunvericiliy\u0259 g\u0259tirildi. Bu da kifay\u0259t q\u0259d\u0259r b\u00f6y\u00fck bir d\u0259yi\u015fiklik idi\u201d. Bunu \u201cAvtoclub\u201d verili\u015finin qona\u011f\u0131, s\u0131\u011forta \u00fczr\u0259 m\u00fct\u0259x\u0259ssis\u00a0 […]<\/p>\n","protected":false},"author":3,"featured_media":876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avtoklub"],"_links":{"self":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/326","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=326"}],"version-history":[{"count":0,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/posts\/326\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media\/876"}],"wp:attachment":[{"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/media?parent=326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/categories?post=326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avtoreyd.az\/wp-json\/wp\/v2\/tags?post=326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}