Publication: Mal sigortalarında sigorta himayesinin kapsamı
Abstract
MAL SİGORTALARINDA SİGORTA HİMAYESİNİN KAPSAMI FULYA YAMAN Bu çalışmada sigortacının asıl edimini oluşturan sigorta himayesi kavramı incelenmiş, sigortacının sigorta sözleşmesinde, asıl edimini oluşturan himayeyi sağlama yükümlülüğü, himayenin, hangi süre ile devam edip hangi şartlar altında sona ereceği, kanundaki düzenlemelere paralel olarak sigorta himayesini sınırlayan hususlar ve istisnaları da tasnif edilmiştir. Sigorta sözleşmesinde sigorta edilen rizikonun ve sigortalanabilir menfaatin tanımı ve özellikleri ile riziko ve menfaat arasındaki ilişki ve himayenin kapsamının belirlenmesindeki rolü açıklanmıştır. Sigorta himayesi genellikle ilk primin ödenmesi ile başlar. Ancak sözleşmenin tarafları geçmişe etkili sigorta veya geçici sigorta himayesi sağlama konusunda aralarında anlaşmak suretiyle sigorta teminatının kapsamını geçmişe yönelik uygulayabilirler. Türk Ticaret Kanunumuzda sigorta himayesinin başladığı zaman bakımından özellikle mal sigortalarına yönelik düzenlenmenin Anayasa Mahkemesi tarafından iptal edilmesinin ardından uygulamada boşluk doğmuştur. Bu yönden Ticaret kanunumuzda bu yeni bir düzenleme halen yapılmamış ve Yargıtay kıyas yolu ile Borçlar kanunu genel hükümlerin sigorta sözleşmelerinde de uygulanmasını kabul etmiştir. Sigorta sözleşmesinde sigorta bedeli ve sigorta değeri arasındaki eşitliğin bozulması halinde ise sigortacı ancak sigorta bedeli kadar tazminle yükümlü olmaktadır. EXTENT OF THE INSURANCE PROTECTION IN PROPERTY INSURANCE
In this study, insurance protection concept that constitutes insurers real deed has been researched and insurer’s responsibility of provide a coverage which constitutes insurer’s real deed; how long the protection continues and under which circumstances it is over; limits of the insurance protection and it’s exceptions as a parallel of legal regulations also classified. Definition and characteristics of insured risk and insurable benefit in an insurance policy and, connection between the risk and the benefit, and their role of constitutes of the protection’s extent explained. Generally, insurance protection starts with the first payment of premium Parts of the insurance policy can be agree in make an insurance which will effective at the past or make a temporary insurance and with that they can execute it for past Constitution court nullified the regulations of Turkish commerce act which regulated starting time of the insurance protection especially for property insurance and that cause a nullity in the legal practice. Turkish Commerce Act still do not have a necessary regulations for this area and the supreme court of appeal using with the comparison method, accepted that general rules of The Obligations Act can be applicable of insurance policies, If equivalency between the insurance price and worth of the insured property fails than the insurer is only responsible for the insurance price.
In this study, insurance protection concept that constitutes insurers real deed has been researched and insurer’s responsibility of provide a coverage which constitutes insurer’s real deed; how long the protection continues and under which circumstances it is over; limits of the insurance protection and it’s exceptions as a parallel of legal regulations also classified. Definition and characteristics of insured risk and insurable benefit in an insurance policy and, connection between the risk and the benefit, and their role of constitutes of the protection’s extent explained. Generally, insurance protection starts with the first payment of premium Parts of the insurance policy can be agree in make an insurance which will effective at the past or make a temporary insurance and with that they can execute it for past Constitution court nullified the regulations of Turkish commerce act which regulated starting time of the insurance protection especially for property insurance and that cause a nullity in the legal practice. Turkish Commerce Act still do not have a necessary regulations for this area and the supreme court of appeal using with the comparison method, accepted that general rules of The Obligations Act can be applicable of insurance policies, If equivalency between the insurance price and worth of the insured property fails than the insurer is only responsible for the insurance price.