{"id":54779,"date":"2026-10-15T13:08:49","date_gmt":"2026-10-15T13:08:49","guid":{"rendered":"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/"},"modified":"2026-10-15T13:08:49","modified_gmt":"2026-10-15T13:08:49","slug":"araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi","status":"publish","type":"post","link":"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/","title":{"rendered":"Arac\u0131n\u0131z Sel Nedeniyle Hasar G\u00f6r\u00fcrse Ne Olur? Kasko, Trafik Sigortas\u0131 ve Tazminat Rehberi"},"content":{"rendered":"<div class=\"detail-content-body dark:text-dark-text\">\n<div class=\"flex relative bg-content-adv-bg dark:bg-dark-content-adv-bg justify-center gap-3 p-2 items-center my-12 content-adv-col\" style=\"min-height: 260px\">\n<div><\/div>\n<div><\/div>\n<\/p><\/div>\n<p>&#350;iddetli ya&#287;&#305;&#351;lar ve kentsel altyap&#305; yetersizlikleri sonucunda ya&#351;anan ani sel bask&#305;nlar&#305;, otomobiller i&ccedil;in en b&uuml;y&uuml;k k&acirc;buslardan biri. Suya kap&#305;lan, s&uuml;r&uuml;klenip ba&#351;ka ara&ccedil;lara &ccedil;arpan ya da bal&ccedil;&#305;&#287;a g&ouml;m&uuml;len binlerce ara&ccedil; mekanik ve elektronik olarak kullan&#305;lamaz h&acirc;le gelebiliyor.<\/p>\n<div class=\"content-gallery-lightbox hidden md:block mb-5 dark:border-[#404040] dark:bg-[#2d2d30]\" data-gallery-images=\"[{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692887\/692887-1200x675.jpg&quot;,&quot;alt&quot;:&quot;Aracu0131nu0131z Sel Nedeniyle Hasar Gu00f6ru00fcrse Ne Olur? Kasko, Trafik Sigortasu0131 ve Tazminat Rehberi&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692890\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692893\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692896\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692902\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692905\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692908\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692911\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675}]\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ff0f0f;color:#ff0f0f\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ff0f0f;color:#ff0f0f\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Icerikten_Gorseller\" >&#304;&ccedil;erikten G&ouml;rseller<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Icerikten_Gorseller-2\" >&#304;&ccedil;erikten G&ouml;rseller<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Kasko_masraflari_karsilar_mi\" >Kasko masraflar&#305; kar&#351;&#305;lar m&#305;?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Bunlar_da_Ilginizi_Cekebilir\" >Bunlar da &#304;lginizi &Ccedil;ekebilir<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Arac_ne_zaman_%E2%80%9Cpert%E2%80%9D_tam_hasar_sayilir\" >Ara&ccedil; ne zaman &#8220;pert&#8221; (tam hasar) say&#305;l&#305;r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Zorunlu_trafik_sigortasi_sel_hasarini_oder_mi\" >Zorunlu trafik sigortas&#305; sel hasar&#305;n&#305; &ouml;der mi?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Selde_suruklenen_arac_baska_bir_araca_carparsa_ne_olur\" >Selde s&uuml;r&uuml;klenen ara&ccedil; ba&#351;ka bir araca &ccedil;arparsa ne olur?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Kaskosu_olmayanlar_ne_yapacak_AFAD_mi_oder_belediye_mi\" >Kaskosu olmayanlar ne yapacak? AFAD m&#305; &ouml;der, belediye mi?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#AFAD_arac_bedelini_oder_mi\" >AFAD ara&ccedil; bedelini &ouml;der mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Cozum_Idareye_karsi_%E2%80%9Ctam_yargi_davasi%E2%80%9D\" >&Ccedil;&ouml;z&uuml;m: &#304;dareye kar&#351;&#305; &#8220;tam yarg&#305; davas&#305;&#8221;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Sel_altinda_kalan_araca_asla_mars_basmayin\" >Sel alt&#305;nda kalan araca asla mar&#351; basmay&#305;n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Can_kaybi_ve_yaralanma_hallerinde_hangi_sigortalar_devreye_girer\" >Can kayb&#305; ve yaralanma hallerinde hangi sigortalar devreye girer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.vipservis.com\/blog\/araciniz-sel-nedeniyle-hasar-gorurse-ne-olur-kasko-trafik-sigortasi-ve-tazminat-rehberi\/#Hak_kaybina_ugramamak_icin_adim_adim_ne_yapilmali\" >Hak kayb&#305;na u&#287;ramamak i&ccedil;in ad&#305;m ad&#305;m ne yap&#305;lmal&#305;?<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"content-gallery-title dark:text-dark-text\"><span class=\"ez-toc-section\" id=\"Icerikten_Gorseller\"><\/span>&#304;&ccedil;erikten G&ouml;rseller<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"content-gallery-body\">\n<div class=\"content-gallery-hero\" data-index=\"0\">\n                    <span class=\"gallery-img-wrapper\"><br \/>\n                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/692887-1200x675-1.jpg\" alt=\"Arac\u0131n\u0131z Sel Nedeniyle Hasar G\u00f6r\u00fcrse Ne Olur? Kasko, Trafik Sigortas\u0131 ve Tazminat Rehberi\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><br \/>\n                    <\/span>\n                <\/div>\n<div class=\"content-gallery-grid\">\n<div class=\"content-gallery-item \" data-index=\"1\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2642.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item \" data-index=\"2\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2643.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item \" data-index=\"3\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2644.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item content-gallery-item--more\" data-index=\"4\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2645.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><br \/>\n                                                                    <span class=\"content-gallery-more-count\">+3<\/span>\n                                                            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"content-gallery-overlay\" style=\"display:none\">\n            <button class=\"content-gallery-close\" aria-label=\"Kapat\">&times;<\/button><\/p>\n<div class=\"content-gallery-zoom-controls\">\n                <button class=\"content-gallery-zoom-in\" aria-label=\"Yak\u0131nla\u015ft\u0131r\">+<\/button><br \/>\n                <button class=\"content-gallery-zoom-out\" aria-label=\"Uzakla\u015ft\u0131r\">&minus;<\/button>\n            <\/div>\n<p>            <button class=\"content-gallery-prev\" aria-label=\"\u00d6nceki\">&lsaquo;<\/button><br \/>\n            <button class=\"content-gallery-next\" aria-label=\"Sonraki\">&rsaquo;<\/button><\/p>\n<div class=\"content-gallery-stage\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Peki sel nedeniyle perte &ccedil;&#305;kan veya a&#287;&#305;r hasar alan bir arac&#305;n masraflar&#305;n&#305; kim kar&#351;&#305;lar? Kasko her &#351;artta &ouml;deme yapar m&#305;? Zorunlu trafik sigortas&#305; sele kar&#351;&#305; korur mu? Kaskosu olmayan s&uuml;r&uuml;c&uuml;ler zararlar&#305;n&#305; nas&#305;l tazmin edebilir? &#304;&#351;te sel ve do&#287;al afet durumunda ara&ccedil; sahiplerinin bilmesi gereken t&uuml;m hukuki ve teknik detaylar&#8230;<\/p>\n<div class=\"content-gallery-lightbox md:hidden mb-5 dark:border-[#404040] dark:bg-[#2d2d30]\" data-gallery-images=\"[{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692887\/692887-1200x675.jpg&quot;,&quot;alt&quot;:&quot;Aracu0131nu0131z Sel Nedeniyle Hasar Gu00f6ru00fcrse Ne Olur? Kasko, Trafik Sigortasu0131 ve Tazminat Rehberi&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692890\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692893\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692896\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692902\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692905\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692908\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675},{&quot;src&quot;:&quot;https:\/\/imgrosetta.webtekno.com\/file\/692911\/1200xauto.jpg&quot;,&quot;alt&quot;:&quot;2&quot;,&quot;width&quot;:1200,&quot;height&quot;:675}]\">\n<h3 class=\"content-gallery-title dark:text-dark-text\"><span class=\"ez-toc-section\" id=\"Icerikten_Gorseller-2\"><\/span>&#304;&ccedil;erikten G&ouml;rseller<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"content-gallery-body\">\n<div class=\"content-gallery-hero\" data-index=\"0\">\n                    <span class=\"gallery-img-wrapper\"><br \/>\n                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/692887-1200x675-2.jpg\" alt=\"Arac\u0131n\u0131z Sel Nedeniyle Hasar G\u00f6r\u00fcrse Ne Olur? Kasko, Trafik Sigortas\u0131 ve Tazminat Rehberi\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><br \/>\n                    <\/span>\n                <\/div>\n<div class=\"content-gallery-grid\">\n<div class=\"content-gallery-item \" data-index=\"1\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2646.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item \" data-index=\"2\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2647.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item \" data-index=\"3\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2648.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\">\n                                                            <\/div>\n<div class=\"content-gallery-item content-gallery-item--more\" data-index=\"4\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2649.jpg\" alt=\"2\" loading=\"lazy\" width=\"1200\" height=\"675\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><br \/>\n                                                                    <span class=\"content-gallery-more-count\">+3<\/span>\n                                                            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"content-gallery-overlay\" style=\"display:none\">\n            <button class=\"content-gallery-close\" aria-label=\"Kapat\">&times;<\/button><\/p>\n<div class=\"content-gallery-zoom-controls\">\n                <button class=\"content-gallery-zoom-in\" aria-label=\"Yak\u0131nla\u015ft\u0131r\">+<\/button><br \/>\n                <button class=\"content-gallery-zoom-out\" aria-label=\"Uzakla\u015ft\u0131r\">&minus;<\/button>\n            <\/div>\n<p>            <button class=\"content-gallery-prev\" aria-label=\"\u00d6nceki\">&lsaquo;<\/button><br \/>\n            <button class=\"content-gallery-next\" aria-label=\"Sonraki\">&rsaquo;<\/button><\/p>\n<div class=\"content-gallery-stage\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kasko_masraflari_karsilar_mi\"><\/span>Kasko masraflar&#305; kar&#351;&#305;lar m&#305;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2650.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>Arac&#305;n sel ve su ta&#351;k&#305;nlar&#305;nda u&#287;rad&#305;&#287;&#305; maddi zararlar&#305; do&#287;rudan kar&#351;&#305;layan temel &ouml;zel g&uuml;vence kasko sigortas&#305;d&#305;r ancak kasko poli&ccedil;enizin bulunmas&#305;, hasar&#305;n kay&#305;ts&#305;z &#351;arts&#305;z &ouml;denece&#287;i anlam&#305;na gelmez.<\/p>\n<p>Kara Ara&ccedil;lar&#305; Kasko Sigortas&#305; Genel &#350;artlar&#305; gere&#287;ince sel ve su bask&#305;n&#305; zararlar&#305;, poli&ccedil;elerin standart\/dar kapsam&#305;nda yer almaz, poli&ccedil;eye a&ccedil;&#305;k bir ek teminat klozunun eklenmi&#351; olmas&#305; gerekir.<\/p>\n<ul>\n<li><strong>Dar Kasko<\/strong>: Kural olarak sel teminat&#305; i&ccedil;ermez. Ek s&ouml;zle&#351;me yap&#305;lmad&#305;ysa &ouml;deme yap&#305;lmaz.<\/li>\n<li><strong>Standart Kasko<\/strong>: &#350;irket tarifesine g&ouml;re de&#287;i&#351;ir. Sel klozu ek primle eklenmemi&#351;se hasar kar&#351;&#305;lanmaz.<\/li>\n<li><strong>Geni&#351;letilmi&#351; Kasko<\/strong>: Genellikle standart paketinde sel ve su bask&#305;n&#305; teminat&#305; bar&#305;nd&#305;r&#305;r.<\/li>\n<li><strong>Tam (Full) Kasko<\/strong>: Sel, ta&#351;k&#305;n ve do&#287;al afetler istisnas&#305;z teminat alt&#305;ndad&#305;r.<\/li>\n<\/ul>\n<p>Poli&ccedil;enizde &#8220;Tenzili Muafiyet&#8221; (hasar&#305;n belirli bir k&#305;sm&#305;n&#305; sigortal&#305;n&#305;n &ouml;demesi) kural&#305; bulunabilir. Kanunen bu muafiyet h&uuml;km&uuml;n&uuml;n poli&ccedil;ede en az 14 punto b&uuml;y&uuml;kl&uuml;kte yaz&#305;lmas&#305; zorunludur; aksi halde muafiyet ge&ccedil;ersiz say&#305;l&#305;r ve hasar&#305;n tamam&#305; sigortac&#305; taraf&#305;ndan &ouml;denir.<\/p>\n<div class=\"related-tag-posts-widget bg-category-most-read dark:bg-dark-category-most-read mb-4 mt-6 w-full overflow-hidden rounded-md pb-5\" data-related-tag-placeholder data-post-id=\"227233\">\n<div class=\"related-tag-title flex items-center rounded-t-md bg-primary p-4\">\n<h3 class=\"ml-2 text-xl font-bold text-white\"><span class=\"ez-toc-section\" id=\"Bunlar_da_Ilginizi_Cekebilir\"><\/span>\n            Bunlar da &#304;lginizi &Ccedil;ekebilir<br \/>\n        <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/p><\/div>\n<div class=\"mt-5 grid grid-cols-2 gap-3 px-4 md:grid-cols-4 md:gap-4 md:px-5\">\n<div class=\"dark:bg-gray-900 block overflow-hidden rounded-lg bg-white shadow-sm\">\n<div class=\"space-y-2 p-2 md:p-3\"><\/div>\n<\/p><\/div>\n<div class=\"dark:bg-gray-900 block overflow-hidden rounded-lg bg-white shadow-sm\">\n<div class=\"space-y-2 p-2 md:p-3\"><\/div>\n<\/p><\/div>\n<div class=\"dark:bg-gray-900 block overflow-hidden rounded-lg bg-white shadow-sm\">\n<div class=\"space-y-2 p-2 md:p-3\"><\/div>\n<\/p><\/div>\n<div class=\"dark:bg-gray-900 block overflow-hidden rounded-lg bg-white shadow-sm\">\n<div class=\"space-y-2 p-2 md:p-3\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Arac_ne_zaman_%E2%80%9Cpert%E2%80%9D_tam_hasar_sayilir\"><\/span>Ara&ccedil; ne zaman &#8220;pert&#8221; (tam hasar) say&#305;l&#305;r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2651.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>Onar&#305;m masraflar&#305;n&#305;n arac&#305;n piyasa rayi&ccedil; de&#287;erini a&#351;mas&#305; ya da onar&#305;m&#305;n teknik\/ekonomik olarak m&uuml;mk&uuml;n olmamas&#305; durumunda ara&ccedil; tam hasara (pert) ayr&#305;l&#305;r. &Ouml;zellikle su seviyesinin motor blo&#287;unu a&#351;mas&#305;, elektrik tesisat&#305;n&#305;n ve elektronik kontrol &uuml;nitelerinin &ccedil;amurla dolmas&#305; durumunda eksperler arac&#305; tam hasara sevk eder. Bu s&uuml;re&ccedil;te:<\/p>\n<ul>\n<li>Sigortal&#305;, hasar&#305; &ouml;&#287;rendikten sonra 5 i&#351; g&uuml;n&uuml; i&ccedil;inde bildirim yapmal&#305;d&#305;r.<\/li>\n<li>Arac&#305;n hurdaya ayr&#305;ld&#305;&#287;&#305; veya trafikten &ccedil;ekildi&#287;ine dair resmi tescil belgesi sunulmadan tazminat &ouml;denmez.<\/li>\n<li>Ara&ccedil; sahibi hasarl&#305; kal&#305;nt&#305;y&#305; (sovtaj) kabul etmek zorunda de&#287;ildir, m&uuml;lkiyeti sigortac&#305;ya devrederek hasar tarihindeki tam rayi&ccedil; bedeli nakit olarak isteyebilir.<\/li>\n<li>Ekspertiz raporunun tesliminden itibaren en ge&ccedil; 10 i&#351; g&uuml;n&uuml;, hasar ihbar&#305;ndan itibaren ise en ge&ccedil; 45 g&uuml;n i&ccedil;inde &ouml;deme muaccel hale gelir.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Zorunlu_trafik_sigortasi_sel_hasarini_oder_mi\"><\/span>Zorunlu trafik sigortas&#305; sel hasar&#305;n&#305; &ouml;der mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2652.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>Hay&#305;r. Zorunlu Mali Mesuliyet Sigortas&#305; (Trafik Sigortas&#305;), Karayollar&#305; Trafik Kanunu uyar&#305;nca yaln&#305;zca arac&#305;n i&#351;letilmesi s&#305;ras&#305;nda &uuml;&ccedil;&uuml;nc&uuml; ki&#351;ilere verilen zararlar&#305; g&uuml;venceye al&#305;r. Selde suya g&ouml;m&uuml;len bir arac&#305;n kendi mekanik veya kaporta hasar&#305; trafik sigortas&#305;ndan kesinlikle talep edilemez.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Selde_suruklenen_arac_baska_bir_araca_carparsa_ne_olur\"><\/span>Selde s&uuml;r&uuml;klenen ara&ccedil; ba&#351;ka bir araca &ccedil;arparsa ne olur?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sele kap&#305;larak kontrols&uuml;zce s&uuml;r&uuml;klenen bir otomobil park halindeki di&#287;er ara&ccedil;lara veya binalara zarar verirse, zarar g&ouml;renler s&uuml;r&uuml;klenen arac&#305;n trafik sigortas&#305;ndan tazminat alabilir mi?<\/p>\n<ul>\n<li>Normalde ara&ccedil; sahipleri kusursuz sorumluluk ta&#351;&#305;r fakat kanun a&ccedil;&#305;k bir &#8220;kurtulu&#351; imkan&#305;&#8221; tan&#305;r.<\/li>\n<li>Olay&#305;n m&uuml;cbir sebep (&ouml;nlenemez, ka&ccedil;&#305;n&#305;lmaz do&#287;al afet) oldu&#287;u ve ara&ccedil; sahibinin hi&ccedil;bir kusurunun bulunmad&#305;&#287;&#305; (&ouml;rne&#287;in kurallara uygun park edilmi&#351; olmas&#305;) ispatlan&#305;rsa sorumluluk ortadan kalkar.<\/li>\n<li>Sorumluluk kalkt&#305;&#287;&#305; i&ccedil;in o arac&#305;n trafik sigortas&#305; da &ouml;deme yapmaz. &Ccedil;arp&#305;lan ara&ccedil; sahipleri kendi kaskolar&#305;na veya altyap&#305; ihmali bulunan idareye ba&#351;vurmak durumundad&#305;r.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kaskosu_olmayanlar_ne_yapacak_AFAD_mi_oder_belediye_mi\"><\/span>Kaskosu olmayanlar ne yapacak? AFAD m&#305; &ouml;der, belediye mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2653.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>Kaskosu bulunmayan ya da poli&ccedil;esinde sel klozu yer almayan ara&ccedil; sahipleri i&ccedil;in s&uuml;re&ccedil; idare hukuku &ccedil;er&ccedil;evesinde i&#351;ler.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"AFAD_arac_bedelini_oder_mi\"><\/span>AFAD ara&ccedil; bedelini &ouml;der mi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Toplumdaki yayg&#305;n inan&#305;&#351;&#305;n aksine, 7269 say&#305;l&#305; Afet Kanunu konut, i&#351; yeri ve bina gibi gayrimenkul m&uuml;lkiyetini koruma alt&#305;na al&#305;r, motorlu kara ta&#351;&#305;tlar&#305; hak sahipli&#287;i kapsam&#305;nda yer almaz. Valilik ve kaymakaml&#305;klar&#305;n yapt&#305;&#287;&#305; hasar tespitleri tam bir ara&ccedil; tazminat&#305; do&#287;urmaz; yap&#305;lan yard&#305;mlar yaln&#305;zca s&#305;n&#305;rl&#305; b&uuml;t&ccedil;eli sosyal desteklerden ibarettir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cozum_Idareye_karsi_%E2%80%9Ctam_yargi_davasi%E2%80%9D\"><\/span>&Ccedil;&ouml;z&uuml;m: &#304;dareye kar&#351;&#305; &#8220;tam yarg&#305; davas&#305;&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Altyap&#305; eksiklikleri nedeniyle ya&#351;anan bask&#305;nlarda ara&ccedil; sahipleri Anayasa&#8217;n&#305;n 125. maddesindeki idari sorumluluk ilkesi gere&#287;ince belediyelere, su kanalizasyon idarelerine (&#304;SK&#304;, ASK&#304; vb.), DS&#304;&#8217;ye veya Karayollar&#305; Genel M&uuml;d&uuml;rl&uuml;&#287;&uuml;&#8217;ne kar&#351;&#305; Tam Yarg&#305; Davas&#305; a&ccedil;abilir.<\/p>\n<ul>\n<li><strong>Hizmet Kusuru Say&#305;lan Haller<\/strong>: Meteorolojik olarak &ouml;ng&ouml;r&uuml;lebilir mevsimsel ya&#287;&#305;&#351;larda menfezlerin dar in&#351;a edilmesi, dere yataklar&#305;n&#305;n imara a&ccedil;&#305;lmas&#305;, su tahliye kanallar&#305;n&#305;n bak&#305;m&#305;n&#305;n aksat&#305;lmas&#305;, &#305;zgara ve mazgallar&#305;n t&#305;kal&#305; tutulmas&#305; a&ccedil;&#305;k bir &#8220;hizmet kusuru&#8221; kabul edilir. Bu gibi altyap&#305; ihmallerinde idarenin &#8220;a&#351;&#305;r&#305; ya&#287;&#305;&#351; \/ m&uuml;cbir sebep&#8221; savunmas&#305; kabul g&ouml;rmez.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Sel_altinda_kalan_araca_asla_mars_basmayin\"><\/span>Sel alt&#305;nda kalan araca asla mar&#351; basmay&#305;n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2654.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>Sel felaketlerinde sigorta &#351;irketlerinin tazminat&#305; reddetmek ya da kesinti yapmak i&ccedil;in en &ccedil;ok &ouml;ne s&uuml;rd&uuml;&#287;&uuml; gerek&ccedil;e s&uuml;r&uuml;c&uuml;n&uuml;n a&#287;&#305;r kusuru ve zarar&#305; art&#305;r&#305;c&#305; hareketleridir.<\/p>\n<ul>\n<li><strong>Nizami Park Halindeyken Bask&#305;na U&#287;ramak<\/strong>: S&uuml;r&uuml;c&uuml; kusuru yoktur, sel teminat&#305; varsa kasko kesintisiz &ouml;deme yapar.<\/li>\n<li><strong>Seyir Halindeyken Aniden Yakalanmak<\/strong>: &Ouml;ng&ouml;r&uuml;lemez bir durumsa ve ka&ccedil;ma imkan&#305; yoksa hasar kasko kapsam&#305;nda kar&#351;&#305;lan&#305;r.<\/li>\n<li><strong>Sualt&#305;nda Kalan Araca Mar&#351; Bas&#305;lmas&#305;<\/strong>: S&uuml;r&uuml;c&uuml;n&uuml;n arac&#305; &ccedil;al&#305;&#351;t&#305;rmaya &ccedil;al&#305;&#351;mas&#305; sonucu motora hava emme manifoldundan su &ccedil;ekilir ve hidrolik kilitlenme (hydro-lock) meydana gelir. Pistonlar s&#305;k&#305;&#351;t&#305;r&#305;lamayan suyla kar&#351;&#305;la&#351;t&#305;&#287;&#305;nda biyel kollar&#305; b&uuml;k&uuml;l&uuml;r ve motor tamamen hurdaya d&ouml;ner. Eksperler motor i&ccedil;i ve filtre analizleriyle mar&#351;a bas&#305;l&#305;p bas&#305;lmad&#305;&#287;&#305;n&#305; tespit edebilir. Bu durum zarar&#305; art&#305;ran kusur say&#305;larak motor hasar&#305; tazminattan d&uuml;&#351;&uuml;lebilir veya tamamen reddedilebilir.<\/li>\n<li><strong>Uyar&#305;lara Ra&#287;men Su Dolu Alt Ge&ccedil;ide Girmek<\/strong>: S&uuml;r&uuml;c&uuml;n&uuml;n a&ccedil;&#305;k uyar&#305;lara ra&#287;men bile isteye su birikintisine dalmas&#305; &#8220;a&#287;&#305;r kusur&#8221; say&#305;labilir ve tazminat&#305;n tamamen reddedilmesine yol a&ccedil;abilir.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Can_kaybi_ve_yaralanma_hallerinde_hangi_sigortalar_devreye_girer\"><\/span>Can kayb&#305; ve yaralanma hallerinde hangi sigortalar devreye girer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2655.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<p>E&#287;er ara&ccedil; i&ccedil;erisinde can kayb&#305; veya bedensel yaralanma ya&#351;anm&#305;&#351;sa maddi hasar kurallar&#305;n&#305;n yan&#305; s&#305;ra kaza ve hayat sigortalar&#305; g&uuml;ndeme gelir:<\/p>\n<ul>\n<li><strong>Hayat Sigortas&#305;<\/strong>: Bireysel veya kredi ba&#287;lant&#305;l&#305; hayat sigortalar&#305;nda sel gibi do&#287;al afetler teminat d&#305;&#351;&#305; tutulmam&#305;&#351;t&#305;r. Vefat tazminat&#305; lehtarlara veya miras&ccedil;&#305;lara eksiksiz &ouml;denir. Ayr&#305;ca sigortac&#305;n&#305;n halefiyeti ilkesi uygulanmad&#305;&#287;&#305;ndan, yak&#305;nlar&#305;n idareye a&ccedil;aca&#287;&#305; manevi ve destekten yoksun kalma tazminatlar&#305;ndan bu para mahsup edilmez, her iki tazminat da k&uuml;m&uuml;latif olarak al&#305;nabilir.<\/li>\n<li><strong>Ferdi Kaza ve Koltuk Ferdi Kaza Sigortas&#305;<\/strong>: Ferdi Kaza Genel &#350;artlar&#305;&#8217;na g&ouml;re deprem, sel ve yer kaymas&#305; gibi afetler aksine s&ouml;zle&#351;me yoksa teminat d&#305;&#351;&#305;d&#305;r. Dolay&#305;s&#305;yla bu sigortalar&#305;n sel kaynakl&#305; vefat, daimi maluliyet veya tedavi giderlerini &ouml;deyebilmesi i&ccedil;in poli&ccedil;ede a&ccedil;&#305;k&ccedil;a do&#287;al afet ve sel klozunun bulunmas&#305; &#351;artt&#305;r.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Hak_kaybina_ugramamak_icin_adim_adim_ne_yapilmali\"><\/span>Hak kayb&#305;na u&#287;ramamak i&ccedil;in ad&#305;m ad&#305;m ne yap&#305;lmal&#305;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"gallery-img-wrapper gallery-img-wrapper--body\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/www.vipservis.com\/blog\/wp-content\/uploads\/2026\/10\/1200xauto-2656.jpg\" alt=\"2\" style=\"max-width: 100%;height: auto;display: block;margin: 10px auto\"><\/span><\/p>\n<ul>\n<li><strong>G&ouml;rsel Kan&#305;t Toplay&#305;n<\/strong>: Olay an&#305;nda ve hemen sonras&#305;nda su seviyesini, bal&ccedil;&#305;k izlerini ve &ccedil;evreyi g&ouml;steren foto&#287;raf ve video kay&#305;tlar&#305; al&#305;n.<\/li>\n<li><strong>Resm&icirc; Tutanaklar&#305; Al&#305;n<\/strong>: &#304;tfaiyeden Yang&#305;n ve Kurtarma Olay Tutana&#287;&#305;, polis veya jandarmadan Do&#287;al Afet ve Trafik Olay Yeri Durum Tespit Tutana&#287;&#305; temin edin.<\/li>\n<li><strong>Meteoroloji Raporu &#304;steyin<\/strong>: Meteoroloji Genel M&uuml;d&uuml;rl&uuml;&#287;&uuml;&rsquo;nden (MGM) b&ouml;lgeye d&uuml;&#351;en ya&#287;&#305;&#351; miktar&#305;n&#305; g&ouml;steren resm&icirc; b&uuml;lteni dosyan&#305;za ekleyin.<\/li>\n<li><strong>Mahkeme Arac&#305;l&#305;&#287;&#305;yla Delil Tespiti Yapt&#305;r&#305;n<\/strong>: Kaskonuz yoksa ve idareye dava a&ccedil;acaksan&#305;z, Sulh Hukuk Mahkemesi&rsquo;ne ba&#351;vurarak bilirki&#351;i e&#351;li&#287;inde hasar tespiti yapt&#305;r&#305;n.<\/li>\n<li><strong>Zamana&#351;&#305;m&#305; S&uuml;relerini Ka&ccedil;&#305;rmay&#305;n<\/strong>: Kasko taleplerinde zamana&#351;&#305;m&#305; alaca&#287;&#305;n muaccel oldu&#287;u tarihten itibaren 2 y&#305;l, riziko tarihinden itibaren her h&acirc;l&uuml;k&acirc;rda 6 y&#305;ld&#305;r. Uyu&#351;mazl&#305;klarda Sigorta Tahkim Komisyonu&#8217;na veya Asliye Ticaret Mahkemelerine ba&#351;vurulabilir. &#304;dareye kar&#351;&#305; yap&#305;lacak ba&#351;vurularda 1 ve 5 y&#305;ll&#305;k &ouml;n ba&#351;vuru s&uuml;releri ile idarenin ret cevab&#305;n&#305; takip eden 60 g&uuml;nl&uuml;k dava a&ccedil;ma s&uuml;resi kesinlikle a&#351;&#305;lmamal&#305;d&#305;r.<\/li>\n<\/ul><\/div>\n","protected":false},"excerpt":{"rendered":"<p>&#350;iddetli ya&#287;&#305;&#351;lar ve kentsel altyap&#305; yetersizlikleri sonucunda ya&#351;anan ani sel bask&#305;nlar&#305;, otomobiller i&ccedil;in en b&uuml;y&uuml;k k&acirc;buslardan biri. Suya kap&#305;lan, s&uuml;r&uuml;klenip ba&#351;ka ara&ccedil;lara &ccedil;arpan ya da bal&ccedil;&#305;&#287;a g&ouml;m&uuml;len binlerce ara&ccedil; mekanik ve elektronik olarak kullan&#305;lamaz h&acirc;le gelebiliyor. &#304;&ccedil;erikten G&ouml;rseller +3 &times; + &minus; &lsaquo; &rsaquo; Peki sel nedeniyle perte &ccedil;&#305;kan veya a&#287;&#305;r hasar alan bir arac&#305;n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":54761,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-54779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Arac\u0131n\u0131z Sel Nedeniyle Hasar G\u00f6r\u00fcrse Ne Olur? 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