{"id":159325,"date":"2022-10-01T10:47:29","date_gmt":"2022-10-01T06:47:29","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=159325","title":{"rendered":"Bu g\u00fcnd\u0259n icbari avtomobil s\u0131\u011fortas\u0131 \u00fczr\u0259 haqlar yeni qayda il\u0259 hesablanacaq"},"content":{"rendered":"

Bu günd\u0259n Az\u0259rbaycanda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin mülki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 (AVSMM\u0130S) üzr\u0259 s\u0131\u011forta haqlar\u0131n\u0131n yeni qayda il\u0259 hesablanmas\u0131na ba\u015flan\u0131l\u0131r, z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si is\u0259 noyabr\u0131n 1-d\u0259n etibar\u0259n h\u0259yata keçiril\u0259c\u0259k.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, qaydalara edil\u0259n d\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, s\u0131\u011forta haqlar\u0131 4 \u0259sas amil n\u0259z\u0259r\u0259 al\u0131naraq mü\u0259yy\u0259nl\u0259\u015fdiril\u0259c\u0259k:
\n\u0130lk önc\u0259 s\u0131\u011forta haqq\u0131n\u0131n sürücül\u0259r t\u0259r\u0259find\u0259n da\u015f\u0131d\u0131\u011f\u0131 riskin s\u0259viyy\u0259sin\u0259 gör\u0259 mü\u0259yy\u0259nl\u0259\u015fdirilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Baza s\u0131\u011forta haqq\u0131, y\u0259ni 50 manat d\u0259yi\u015fdirilmir v\u0259 oldu\u011fu kimi qal\u0131r. Lakin, risk s\u0259viyy\u0259sin\u0259 gör\u0259 baza s\u0131\u011forta haqq\u0131na yeni \u0259msallar t\u0259tbiq edilir. M\u0259lumdur ki, sürücünün ya\u015f\u0131 v\u0259 sürücülük t\u0259crüb\u0259si n\u0259 q\u0259d\u0259r azd\u0131rsa onun yol-n\u0259qliyyat hadis\u0259si tör\u0259tm\u0259k riski o q\u0259d\u0259r yüks\u0259kdir. Ona gör\u0259 d\u0259 baza s\u0131\u011forta tarifin\u0259 ya\u015f v\u0259 sürücülük t\u0259crüb\u0259sin\u0259 gör\u0259 1,35-1,05 interval\u0131nda \u0259msallar t\u0259tbiq edilir.<\/p>\n

Dig\u0259r risk amili n\u0259qliyyat\u0131n intensivliyi il\u0259 ba\u011fl\u0131d\u0131r. N\u0259qliyyat vasit\u0259l\u0259rinin daha s\u0131x, intensiv oldu\u011fu yerl\u0259rd\u0259 yol-n\u0259qliyyat hadis\u0259l\u0259rinin tezliyi daha yüks\u0259k olur. Ona gör\u0259 d\u0259 Bak\u0131 \u015f\u0259h\u0259rin\u0259 1,1, Sumqay\u0131t v\u0259 Ab\u015ferona1,05, dig\u0259r bölg\u0259l\u0259r\u0259 is\u0259 0,95 \u0259msal\u0131 t\u0259tbiq edilir. Y\u0259ni, dig\u0259r bölg\u0259l\u0259rd\u0259 sürücül\u0259r daha az s\u0131\u011forta haqq\u0131 öd\u0259y\u0259c\u0259kl\u0259r.<\/p>\n

Üçüncü amil n\u0259qliyyat vasit\u0259sinin istismar müdd\u0259tin\u0259 ba\u011fl\u0131d\u0131r. Daha köhn\u0259 n\u0259qliyyat vasit\u0259l\u0259rinin yol-n\u0259qliyyat hadis\u0259 tezliyi yüks\u0259k oldu\u011fundan istismar müdd\u0259ti 10 ilin a\u015fan n\u0259qliyyat vasit\u0259l\u0259rin\u0259 1,05, 20 ili a\u015fan n\u0259qliyyat vasit\u0259l\u0259rin\u0259 1,1 \u0259msal\u0131, istismar müdd\u0259ti 10 ild\u0259n az olan n\u0259qliyyat vasit\u0259l\u0259ri üçün is\u0259 1 \u0259msal\u0131 t\u0259tbiq olunur.<\/p>\n

Dördüncü amil n\u0259qliyyat vasit\u0259sini idar\u0259 ed\u0259nl\u0259rin say\u0131na ba\u011fl\u0131 olaraq t\u0259tbiq olunan \u0259msald\u0131r. \u018fg\u0259r n\u0259qliyyat vasit\u0259sini iki v\u0259 daha art\u0131q \u015f\u0259xs idar\u0259 etm\u0259k hüququna malikdirs\u0259 o zaman baza s\u0131\u011forta haqq\u0131na 1,15 \u0259msal\u0131 t\u0259tbiq edilir<\/p>\n

M\u0259rk\u0259zi Bank\u0131n icbari avto s\u0131\u011forta sah\u0259sind\u0259 q\u0259bul etdiyi yeni qaydalar \u0259sas\u0259n iki ba\u015fl\u0131ca z\u0259rur\u0259tl\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n

Birincisi, haz\u0131rda praktika bel\u0259dir ki, \u015f\u0259xs idar\u0259 etdiyi n\u0259qliyyat vasit\u0259si il\u0259 üçüncü t\u0259r\u0259f\u0259 z\u0259r\u0259r vurdu\u011fu halda z\u0259r\u0259rin öd\u0259nilm\u0259si prosesi z\u0259r\u0259rç\u0259k\u0259n t\u0259r\u0259fl\u0259 z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011fortaç\u0131s\u0131 aras\u0131nda h\u0259ll olunur. Y\u0259ni z\u0259r\u0259rç\u0259k\u0259n t\u0259r\u0259f öd\u0259ni\u015fi öz icbari s\u0131\u011fortaç\u0131s\u0131ndan deyil, z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011fortaç\u0131s\u0131ndan \u0259ld\u0259 edir. Bel\u0259 olan halda z\u0259r\u0259rl\u0259rin öd\u0259nilm\u0259si prosesi mü\u015ft\u0259ri-biznes münasib\u0259tl\u0259rind\u0259n k\u0259narda ba\u015f vermi\u015f olur. Y\u0259ni öd\u0259ni\u015fi alan t\u0259r\u0259f mü\u015ft\u0259risi olmayan s\u0131\u011fortaç\u0131 il\u0259 qar\u015f\u0131 qar\u015f\u0131ya qalm\u0131\u015f olur.<\/p>\n

Xat\u0131rladaq ki, "\u0130cbari s\u0131\u011fortalar haqq\u0131nda" Qanun 2011-ci ild\u0259 qüvv\u0259y\u0259 minib v\u0259 s\u0131\u011forta haqlar\u0131, tarifl\u0259ri v\u0259 s\u0131\u011forta t\u0259zminatlar\u0131 bu qanunla t\u0259nziml\u0259nir. Könüllü s\u0131\u011fortan\u0131n növl\u0259ri üzr\u0259 haqlar \u015firk\u0259tl\u0259rin daxili qaydalar\u0131na \u0259sas\u0259n t\u0259nziml\u0259nir. 2011-ci ild\u0259n bu gün\u0259 kimi icbari s\u0131\u011forta tarifl\u0259ri d\u0259yi\u015fm\u0259yib. Buna uy\u011fun olaraq s\u0131\u011forta t\u0259zminatlar\u0131 da d\u0259yi\u015film\u0259z qal\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bu günd\u0259n Az\u0259rbaycanda avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin mülki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 (AVSMM\u0130S) üzr\u0259 s\u0131\u011forta haqlar\u0131n\u0131n yeni qayda il\u0259 hesablanmas\u0131na ba\u015flan\u0131l\u0131r, z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si is\u0259 noyabr\u0131n 1-d\u0259n etibar\u0259n h\u0259yata keçiril\u0259c\u0259k. Ucnoqta.az x\u0259b\u0259r verir…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[99],"tags":[],"class_list":["post-159325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avto"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/159325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=159325"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/159325\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=159325"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=159325"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=159325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}