{"id":1389,"date":"2025-08-17T13:42:36","date_gmt":"2025-08-17T10:42:36","guid":{"rendered":"https:\/\/www.icrarehberi.com\/?p=1389"},"modified":"2025-08-17T13:42:38","modified_gmt":"2025-08-17T10:42:38","slug":"hasara-ugrayan-rehinli-arac-ile-sigorta-iliskisi","status":"publish","type":"post","link":"https:\/\/www.icrarehberi.com\/index.php\/2025\/08\/17\/hasara-ugrayan-rehinli-arac-ile-sigorta-iliskisi\/","title":{"rendered":"Hasara u\u011frayan rehinli ara\u00e7 ile sigorta ili\u015fkisi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">T.C.<br>Yarg\u0131tay<br>17. Hukuk Dairesi<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esas No:2013\/16525<br>Karar No:2014\/2694<br>K. Tarihi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taraflar aras\u0131ndaki tazminat davas\u0131n\u0131n yap\u0131lan yarg\u0131lamas\u0131 sonunda; kararda yaz\u0131l\u0131 nedenlerden dolay\u0131 davan\u0131n k\u0131smen kabul k\u0131smen reddine dair verilen h\u00fckm\u00fcn s\u00fcresi i\u00e7inde daval\u0131 A..T.. Sigorta A.\u015e. vekili taraf\u0131ndan temyiz edilmesi \u00fczerine dosya incelendi, gere\u011fi d\u00fc\u015f\u00fcn\u00fcld\u00fc:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-K A R A R-<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Davac\u0131 vekili, m\u00fcvekkili \u015firket taraf\u0131ndan dava d\u0131\u015f\u0131 \u0130.. B..&#8217;e sa\u011flanan otomobil kredisi ile al\u0131nan ara\u00e7 \u00fczerine rehin \u015ferhi konuldu\u011funu, s\u00f6zkonusu arac\u0131n daval\u0131 sigorta \u015firketine kasko sigorta poli\u00e7esi yap\u0131ld\u0131\u011f\u0131n\u0131, m\u00fcvekkili taraf\u0131ndan konulan \u015ferhin hem ara\u00e7 ruhsat\u0131nda hem de kasko sigorta poli\u00e7esinde \u015ferh edildi\u011fini, meydana gelen kaza sonucu hasarlanan arac\u0131n hasar bedelinin m\u00fcvekkili \u015firket taraf\u0131ndan daval\u0131ya &#8220;\u00f6deme onay\u0131&#8221; verilmemi\u015f olmas\u0131na kar\u015f\u0131n sigortal\u0131 \u0130.. B..&#8217;e \u00f6dendi\u011fini, kredi alaca\u011f\u0131 olmas\u0131na ra\u011fmen bu \u00f6demenin sigortal\u0131ya yap\u0131lmas\u0131n\u0131n TTK ve BK&#8217;na ayk\u0131r\u0131 oldu\u011funu belirterek 30.392,00.-TL alaca\u011f\u0131n 25.07.2011 tarihinden itibaren i\u015fleyecek temerr\u00fct faizi ile tahsilini talep etmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Daval\u0131 A&#8230;.igorta A.\u015e. vekili, zamana\u015f\u0131m\u0131 s\u00fcresinin ge\u00e7ti\u011fini, dava d\u0131\u015f\u0131 sigortal\u0131 taraf\u0131ndan davac\u0131 aleyhine a\u00e7\u0131lan davada davac\u0131n\u0131n davaya muvafakat etti\u011fine ili\u015fkin beyan\u0131n\u0131 i\u00e7erir belgenin ibraz edildi\u011fini, m\u00fcvekkilinin sorumlulu\u011funun bulunmad\u0131\u011f\u0131n\u0131 belirterek davan\u0131n reddini savunmu\u015ftur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mahkemece, iddia, savunma, toplanan kan\u0131tlara ve benimsenen bilirki\u015fi raporuna g\u00f6re; davac\u0131 finansman \u015firketinin gerek ara\u00e7 ruhsat\u0131 kayd\u0131 \u00fczerinde gerekse poli\u00e7e \u00fczerinde daini m\u00fcrtehin s\u0131fat\u0131n\u0131 ta\u015f\u0131d\u0131\u011f\u0131, daval\u0131 sigorta \u015firketinin davac\u0131n\u0131n s\u00f6z konusu \u00f6nceli\u011fini g\u00f6zard\u0131 ederek, \u0130stanbul Asliye 7. Ticaret Mahkemesi&#8217;nin 2009\/85 esas say\u0131l\u0131 dosyas\u0131nda a\u00e7\u0131k \u015fekilde davaya muvafakat verilmemesine ra\u011fmen, tazminat\u0131 sigortal\u0131ya \u00f6demesinde sigorta \u015firketinin kusurlu oldu\u011fu TTK&#8217;n\u0131n 1299. maddesi kapsam\u0131nda tazmin sorumlulu\u011funu yerine getirirken, sigorta \u015firketinin \u00f6ncelikli alacakl\u0131 konumdaki davac\u0131 taraf\u0131n yaz\u0131l\u0131 onay\u0131n\u0131 almas\u0131 gerekti\u011fi, bu yaz\u0131l\u0131 onay olmaks\u0131z\u0131n dava d\u0131\u015f\u0131 ki\u015fiye yap\u0131lan \u00f6demenin davac\u0131y\u0131 zarara u\u011fratt\u0131\u011f\u0131 gerek\u00e7esi ile davan\u0131n k\u0131smen kabul k\u0131smen reddiyle 28.502,13.-TL&#8217;nin 02.08.2011 tarihinden itibaren i\u015fleyecek %27,72 temerr\u00fct faiziyle tahsiline karar verilmi\u015f, h\u00fck\u00fcm daval\u0131 A..T..Sigorta A.\u015e. vekili taraf\u0131ndan temyiz edilmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dava daval\u0131ya kasko sigortal\u0131 arac\u0131n hasara u\u011framas\u0131 sonucu sigorta bedelinin rehin hakk\u0131 sahibi olan davac\u0131ya \u00f6denmesi istemine ili\u015fkindir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dava d\u0131\u015f\u0131 \u0130brahim B..taraf\u0131ndan davac\u0131 \u015firketten kullan\u0131lan kredi ile al\u0131nan ara\u00e7, daval\u0131 sigorta \u015firketi taraf\u0131ndan kasko sigorta poli\u00e7esi ile teminat alt\u0131na al\u0131nm\u0131\u015ft\u0131r. Kullan\u0131lan kredi nedeni ile ara\u00e7 \u00fczerine davac\u0131 rehin hakk\u0131 sahibinin bu hakk\u0131 ara\u00e7 ruhsat\u0131 \u00fczerinde \u015ferh edilmesi suretiyle g\u00f6sterilmi\u015f, ayr\u0131ca daval\u0131 taraf\u0131ndan yap\u0131lan kasko sigorta poli\u00e7esi \u00fczerinde de daini m\u00fcrtehin olarak davac\u0131 \u015firketin g\u00f6sterildi\u011fi dosya kapsam\u0131nda yer alan poli\u00e7e ve ruhsat \u00f6rneklerinden anla\u015f\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yine daval\u0131ya kasko sigortal\u0131 arac\u0131n 01.10.2008 tarihinde kar\u0131\u015ft\u0131\u011f\u0131 trafik kazas\u0131nda hasara u\u011frad\u0131\u011f\u0131, hasar bedelinin tazmini i\u00e7in daval\u0131 sigorta \u015firketinden talepte bulunuldu\u011fu, ancak sigorta \u015firketi taraf\u0131ndan sigorta bedelinin \u00f6denmemesi \u00fczerine dava d\u0131\u015f\u0131 \u0130brahim B.. taraf\u0131ndan daval\u0131 sigorta \u015firketi aleyhine \u0130stanbul 13. \u0130cra M\u00fcd\u00fcrl\u00fc\u011f\u00fc&#8217;n\u00fcn 2008\/26962 say\u0131l\u0131 dosyas\u0131nda takip yap\u0131ld\u0131\u011f\u0131, takibe daval\u0131n\u0131n itiraz\u0131 \u00fczerine \u0130stanbul Asliye 7. Ticaret Mahkemesi&#8217;nin 08.03.2011 tarih, 2009\/85 esas, 2011\/102 karar say\u0131l\u0131 dosyas\u0131nda itiraz\u0131n iptali davas\u0131 a\u00e7\u0131ld\u0131\u011f\u0131 dosya kapsam\u0131 ve ekinde yer alan s\u00f6zkonusu dosyalardan anla\u015f\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TTK&#8217;nun 1269. maddesi uyar\u0131nca, mal\u0131 rehin alan kimse, bu s\u0131fatla o mal \u00fczerindeki menfaatini kendi ad\u0131na sigorta ettirebilece\u011fi gibi ayn\u0131 yasan\u0131n 1270. maddesi h\u00fckm\u00fc gere\u011fince bir ba\u015fkas\u0131n\u0131n da rehin konusu mal\u0131, rehin alan hesab\u0131na ve onun lehine de sigorta ettirebilir. Ayr\u0131ca T\u00fcrk Medeni Kanunu&#8217;nun 879. maddesi uyar\u0131nca da sigorta tazminat\u0131n\u0131n \u00f6ncelikle rehin hakk\u0131 sahibine verilmesi veya a\u00e7\u0131k muvafakat\u0131n\u0131n al\u0131nmas\u0131 gereklidir. B\u00f6yle bir durumda, sigortal\u0131 durumda olan rehin hakk\u0131 sahibi oldu\u011fundan sigorta \u015firketinden tazminat talep etme hakk\u0131n\u0131n da \u00f6ncelikle ona ait olmas\u0131 gerekir ve sigorta ettiren, ancak sigortal\u0131 mal\u0131n dain ve m\u00fcrtehini olan ve lehine sigorta edilenin a\u00e7\u0131k muvafakat\u0131n\u0131 almak suretiyle sigortadan, \u015fayet kendi menfaati de zedelendi\u011fi takdirde, tazminat istemek hakk\u0131na sahip olur. \u00d6ncelikle talep hakk\u0131n\u0131n rehin hakk\u0131 sahibinde olmas\u0131, yani sigorta bedelinin rehin hakk\u0131 sahibine \u00f6denmesi gerekti\u011fi durumda, rehin hakk\u0131 sahibinin muvafakatinin bulunmas\u0131 halinde sigortal\u0131ya sigorta bedeli \u00f6denebilir. Bu durumda dava a\u00e7ma hakk\u0131 da \u00f6ncelikle rehin hakk\u0131 sahibinde oldu\u011fundan bir dava \u015fart\u0131 olarak aktif dava ehliyeti olan davac\u0131 s\u0131fat\u0131n\u0131n da rehin hakk\u0131 sahibinde oldu\u011fu, buna kar\u015f\u0131n daini m\u00fcrtehinin muvafakati halinde bu dava \u015fart\u0131n\u0131n yerine getirilmi\u015f say\u0131laca\u011f\u0131 Dairemiz yerle\u015fik i\u00e7tihatlar\u0131 ile de ortaya konulmu\u015ftur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6z konusu a\u00e7\u0131klamalar dikkate al\u0131narak somut olay ele al\u0131nd\u0131\u011f\u0131nda, daval\u0131ya kasko sigortal\u0131 ara\u00e7 maliki dava d\u0131\u015f\u0131 \u0130brahim B..taraf\u0131ndan daval\u0131 sigorta \u015firketi aleyhine \u0130stanbul Asliye 7. Ticaret Mahkemesi&#8217;nin 08.03.2011 tarih, 2009\/85 esas, 2011\/102 karar say\u0131l\u0131 dosyas\u0131nda a\u00e7\u0131lan itiraz\u0131n iptali dava dosyas\u0131 incelendi\u011finde dosyaya davac\u0131 \u0130brahim B.. vekili taraf\u0131ndan ibraz edilen ve K.. A.. taraf\u0131ndan d\u00fczenlendi\u011fi anl\u0131\u015falan 05.02.2009 tarihli belge i\u00e7eri\u011finden a\u00e7\u0131lan davaya muvafakat edildi\u011fi, al\u0131nan hasara ili\u015fkin bilirki\u015fi incelemesi akabinde davac\u0131 \u0130brahim B..ve daval\u0131 A.. T.. Sigorta A.\u015e. aras\u0131nda yap\u0131lan ibraname ve feragatname anla\u015fmas\u0131 uyar\u0131nca sigorta bedeli \u0130brahim Ba\u015fenk&#8217;e \u00f6dendi\u011fi, davac\u0131 \u0130brahim&#8217;in davadan feragat etmesi sonucu davan\u0131n reddedilerek kesinle\u015fti\u011fi anla\u015f\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu bak\u0131mdan davac\u0131 K.. A.. taraf\u0131ndan d\u00fczenlendi\u011fi anl\u0131\u015falan 05.02.2009 tarihli belge i\u00e7eri\u011finde a\u00e7\u0131lan davaya muvafakat edildi\u011fi ve sigortal\u0131n\u0131n bu \u015fekilde aktif dava ehliyetine ve sigorta bedelini tahsile yetkili hale geldi\u011finin anla\u015f\u0131lmas\u0131 bak\u0131m\u0131ndan mahkemece an\u0131lan hususlar\u0131n de\u011ferlendirilerek sonucuna g\u00f6re karar verilmesi gerekirken yaz\u0131l\u0131 oldu\u011fu \u015fekilde karar verilmi\u015f olmas\u0131 do\u011fru g\u00f6r\u00fclmemi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SONU\u00c7: Yukar\u0131da a\u00e7\u0131klanan nedenle daval\u0131 A..T..Sigorta A.\u015e. vekilinin temyiz itirazlar\u0131n\u0131n kabul\u00fc ile h\u00fckm\u00fcn BOZULMASINA, pe\u015fin al\u0131nan harc\u0131n istek halinde temyiz eden daval\u0131 A..T..Sigorta A.\u015e.&#8217;ye geri verilmesine 27.2.2014 tarihinde oybirli\u011fi ile karar verildi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6ncelikle talep hakk\u0131n\u0131n rehin hakk\u0131 sahibinde olmas\u0131, yani sigorta bedelinin rehin hakk\u0131 sahibine \u00f6denmesi gerekti\u011fi durumda, rehin hakk\u0131 sahibinin muvafakatinin bulunmas\u0131 halinde sigortal\u0131ya sigorta bedeli \u00f6denebilir.<\/p>\n","protected":false},"author":1,"featured_media":1390,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[257],"class_list":["post-1389","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haciz","tag-surmanset"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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