Anayasa Mahkemesi, kaza yapan araç sahipleri ve zarar görenleri sevindirecek bir karar verdi. Prof. Dr. Karasu, trafik kazalarında zarar görenler ile araç sahiplerini sevindiren Anayasa Mahkemesinin iptal kararını değerlendirdi.
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Anayasa Mahkemesi, kaza yapan araç sahipleri ve zarar görenleri sevindirecek bir karar verdi. Prof. Dr. Karasu, trafik kazalarında zarar görenler ile araç sahiplerini sevindiren Anayasa Mahkemesinin iptal kararını değerlendirdi.
TRAFİK KAZALARINDA ZARAR GÖRENLERİN LEHİNE BİR KARAR
Hacettepe Üniversitesi Hukuk Fakültesi Dekanı Prof. Dr. Rauf Karasu "Anayasa Mahkemesi, 90 ve 92. maddelerde geçen 'Genel Şartlar' ifadelerini iptal etti. Trafik sigortası kapsamındaki tazminatların belirlenmesinde artık 'Genel Şartlar' kural olarak belirleyici olmayacak. Bu karardan sonra sigorta şirketlerinin tazminat sorumluluğunu azaltan 'Genel Şartlar'ın birçok hükmü uygulanamaz hale geldi. Bu karar, sigorta şirketlerinin aleyhine, sigortalıların ve trafik kazalarında zarar görenlerin ise lehine bir karardır. Aynı kararla araç sahipleri artık sigorta şirketlerinden daha fazla değer kaybı bedeli alabilecek. Ayrıca 165 bin kilometreden yüksek araç sahipleri de değer kaybı talep edebilecek" dedi.
Mahkemenin, Karayolları Trafik Kanunu'nun zorunlu trafik sigortasına ilişkin 90 ve 92. maddelerinde yer alan, "Trafik Sigortası Genel Şartları" ifadelerini iptal ettiğini belirten Karasu, şöyle konuştu:
"Bu maddelerde, sigorta şirketlerinin trafik kazalarından doğan tazminat sorumluluğunun öncelikle Karayolları Trafik Kanunu ve Trafik Sigortası Genel Şartları'na göre belirleneceği, bu kanun ve 'Genel Şartlar'da düzenlenmeyen hususlar hakkında ise Türk Borçlar Kanunu'nun haksız fiillere ilişkin hükümlerinin uygulanacağı düzenlenmiştir. Bu şekilde 'Genel Şartlar'ı düzenleyen idareye çok geniş yetkiler verilmişti. Anayasa Mahkemesi, 90 ve 92. maddelerde geçen 'Genel Şartlar' ifadelerini iptal etti. Dolayısıyla trafik sigortası kapsamındaki tazminatların belirlenmesinde artık 'Genel Şartlar' kural olarak belirleyici olmayacaktır."
Tazminatların öncelikle Karayolları Trafik Kanunu'na göre belirleneceğini ve hüküm bulunmayan hallerde Borçlar Kanunu'nun haksız fillere (tazminat) ilişkin hükümlerinin uygulanacağını belirten Karasu, "Genel Şartlar"ın ise sadece Karayolları Trafik Kanunu ve Borçlar Kanunu'na aykırı olmayan hükümlerinin uygulanabileceğini dile getirdi.
Karasu, "Dolayısıyla bu karardan sonra sigorta şirketlerinin tazminat sorumluluğunu azaltan 'Genel Şartlar'ın birçok hükmü uygulanamaz hale geldi. Bu karar sigorta şirketlerinin aleyhine, sigortalıların ve trafik kazalarında zarar gören kişilerin ise lehine bir karardır." dedi.
Daha önceden trafik kazasında zarar görenlerin, uğradıkları geçici iş göremezlik tazminatlarını ve geçici bakıcı giderlerini sigorta şirketlerinden talep edemediğine değinen Karasu, AYM kararıyla bu hükmün geçersiz hale geldiğini, artık sigorta şirketlerinin zarar görenlerin geçici iş göremezlik tazminatları ile geçici bakıcı giderlerini de ödemek zorunda kalacağını vurguladı.
Karasu, trafik kazası sonucu araç değer kaybı miktarının Trafik Sigortası Genel Şartları'nın ekinde yer alan bir formüle göre belirlendiğini anlatarak, şu bilgileri verdi:
"Bu formül uygulandığında değer kaybı miktarı aracın piyasada gördüğü gerçek değer kaybı miktarından daha az çıkıyordu. Hatta kaza yapan bir aracın kilometresi 165 binden yüksek ise aracın hasar miktarı ne kadar yüksek olursa olsun değer kaybı '0' çıkıyordu. Anayasa Mahkemesi kararıyla gerçek değer kaybını tespit etmeyen ve denetime açık olmayan bu hesaplama formülü artık uygulanamayacak. Gerçek değer kaybı, pazar koşulları nazara alındığında hasar gören aracın, hasara uğramayan emsaliyle arasında oluşan farktır. AYM kararıyla araç sahipleri artık sigorta şirketlerinden daha fazla değer kaybı bedeli alabilecek. Ayrıca 165 bin kilometreden yüksek araç sahipleri de değer kaybı talep edebilecek. Bir başka örnek de trafik kazasında ölen kişilerin desteğinden yoksun kalanların tazminat hakları konusunda verilebilir. Kararla artık destekten yoksun kalan kişiler sigorta şirketlerinden daha fazla tazminat talep edebilecek."