{"id":171656,"date":"2022-08-03T11:22:35","date_gmt":"2022-08-03T07:22:35","guid":{"rendered":"http:\/\/hakimiyyet.info.az\/?p=171656"},"modified":"2022-08-03T11:22:49","modified_gmt":"2022-08-03T07:22:49","slug":"avtomobill%c9%99rin-icbari-sigortasi-il%c9%99-bagli-yeni-qaydalar-t%c9%99sdiql%c9%99nib","status":"publish","type":"post","link":"https:\/\/hakimiyyet.info.az\/?p=171656","title":{"rendered":"Avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 yeni qaydalar"},"content":{"rendered":"\n<p class=\"has-vivid-green-cyan-color has-text-color\"><strong><em>Avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 sah\u0259sind\u0259 yeni Qaydalar t\u0259sdiq edilib.<\/em><\/strong><\/p>\n\n\n\n<p>M\u0259rk\u0259zi Bankdan\u00a0veril\u0259n m\u0259lumata g\u00f6r\u0259, M\u0259rk\u0259zi Bank s\u0131\u011forta bazar\u0131n\u0131n inki\u015faf\u0131, s\u0131\u011fortaya inam\u0131n g\u00fccl\u0259ndirilm\u0259si, s\u0131\u011forta sah\u0259sind\u0259 istehlak\u00e7\u0131lar\u0131n m\u00fcdafi\u0259si \u00e7\u0259r\u00e7iv\u0259sinin inki\u015faf etdirilm\u0259si kimi bir s\u0131ra ba\u015fl\u0131ca strateji prioritetl\u0259ri diqq\u0259t m\u0259rk\u0259zind\u0259 saxlay\u0131r.<\/p>\n\n\n\n<p>Avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 (AVSMM\u0130S) \u00fczr\u0259 z\u0259r\u0259rl\u0259rin t\u0259nziml\u0259nm\u0259si v\u0259 s\u0131\u011forta haqq\u0131 m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131 dig\u0259r qanunuvericilik aktlar\u0131 il\u0259 yana\u015f\u0131 2011-ci ild\u0259 q\u0259bul edilmi\u015f \u0130cbari S\u0131\u011fortalar haqq\u0131nda Qanunla t\u0259nziml\u0259nir.<\/p>\n\n\n\n<p>Qanun q\u0259bul edilkd\u0259n sonra \u00f6lk\u0259d\u0259 AVSMM\u0130S sah\u0259sind\u0259 elektronla\u015fma t\u0259dbirl\u0259ri h\u0259yata ke\u00e7irilmi\u015f, s\u0131\u011forta \u015f\u0259had\u0259tnam\u0259l\u0259rinin elektron qaydada \u0259ld\u0259 edilm\u0259si, bu sah\u0259d\u0259 s\u0131\u011fortalanmaya d\u00f6vl\u0259t n\u0259zar\u0259tinin h\u0259yata ke\u00e7irilm\u0259si elektron mexanizml\u0259rl\u0259 t\u0259min edilmi\u015fdir. G\u00f6r\u00fclm\u00fc\u015f t\u0259dbirl\u0259r n\u0259tic\u0259sind\u0259 \u00f6lk\u0259d\u0259 t\u0259qrib\u0259n 1,4 milyon avton\u0259qliyyat vasit\u0259l\u0259rinin istifad\u0259\u00e7il\u0259rinin \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r qar\u015f\u0131s\u0131nda olan m\u0259suliyy\u0259tl\u0259ri s\u0131\u011forta t\u0259minat\u0131na al\u0131nm\u0131\u015fd\u0131r. Bu s\u0131\u011forta sinfi \u00fczr\u0259 2021-ci il \u0259rzind\u0259 ba\u015f vermi\u015f 69 min s\u0131\u011forta hadis\u0259si n\u0259tic\u0259sind\u0259 \u015f\u0259xsl\u0259rin \u0259mlak\u0131na v\u0259 s\u0259hh\u0259tin\u0259 d\u0259y\u0259n z\u0259r\u0259rl\u0259r \u00fczr\u0259 74 mln. manat h\u0259cmind\u0259 s\u0131\u011forta t\u0259zminat\u0131 s\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n \u015f\u0259xsl\u0259r\u0259 \u00f6d\u0259nilmi\u015fdir.<\/p>\n\n\n\n<p>M\u0259rk\u0259zi Bank dig\u0259r sah\u0259l\u0259rd\u0259 oldu\u011fu kimi AVSMM\u0130S sah\u0259sind\u0259 d\u0259 u\u011furlu beyn\u0259lxalq t\u0259cr\u00fcb\u0259l\u0259rd\u0259n faydalanaraq istehlak\u00e7\u0131lara g\u00f6st\u0259ril\u0259n xidm\u0259tl\u0259rin keyfiyy\u0259tinin y\u00fcks\u0259ldilm\u0259si, istehlak\u00e7\u0131lar\u0131n h\u00fcquqlar\u0131n\u0131n m\u00fcdafi\u0259si v\u0259 n\u0259tic\u0259 etibaril\u0259 s\u0131\u011fortaya inam\u0131n g\u00fccl\u0259ndirilm\u0259si m\u0259qs\u0259dil\u0259 islahat t\u0259birl\u0259rini davam etdirir. Bu \u00e7\u0259r\u00e7iv\u0259d\u0259 M\u0259rk\u0259zi Bank\u0131n \u0130dar\u0259 Hey\u0259ti t\u0259r\u0259find\u0259n \u201cYol-n\u0259qliyyat hadis\u0259sind\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin idar\u0259 etdiyi avton\u0259qliyyat vasit\u0259sin\u0259 d\u0259y\u0259n z\u0259r\u0259rin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 s\u0131\u011forta\u00e7\u0131lar aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u00f6d\u0259m\u0259l\u0259rin t\u0259nziml\u0259nm\u0259sin\u0259 (z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si) dair Qayda\u201d v\u0259 \u201cAvton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta haqq\u0131 m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131 Qaydas\u0131\u201d t\u0259sdiq edilmi\u015fdir.<\/p>\n\n\n\n<p>Z\u0259r\u0259rl\u0259rin birba\u015fa t\u0259nziml\u0259nm\u0259si \u00fczr\u0259 haz\u0131rlanm\u0131\u015f qaydalar iki n\u0259qliyyat vasit\u0259sinin toqqu\u015fmas\u0131 il\u0259 n\u0259tic\u0259l\u0259n\u0259n yol-n\u0259qliyyat\u0131 hadis\u0259si ba\u015f verdiyi zaman z\u0259r\u0259r\u00e7\u0259k\u0259nin AVSMM\u0130S m\u00fcqavil\u0259si ba\u011flad\u0131\u011f\u0131 s\u0131\u011forta\u00e7\u0131ya birba\u015fa m\u00fcraci\u0259t ed\u0259r\u0259k s\u0131\u011forta \u00f6d\u0259ni\u015fini almas\u0131n\u0131 v\u0259 z\u0259r\u0259r\u00e7\u0259k\u0259nin s\u0131\u011forta\u00e7\u0131s\u0131n\u0131n \u00f6z s\u0131\u011fortal\u0131s\u0131na h\u0259yata ke\u00e7irdiyi s\u0131\u011forta \u00f6d\u0259ni\u015finin z\u0259r\u0259rvuran t\u0259r\u0259fin s\u0131\u011forta\u00e7\u0131s\u0131ndan subroqasiya formas\u0131nda al\u0131nmas\u0131 qaydas\u0131n\u0131 m\u00fc\u0259yy\u0259n edir. Bu qaydalar h\u0259r bir s\u0131\u011forta\u00e7\u0131n\u0131n \u00f6z m\u00fc\u015ft\u0259risin\u0259 birba\u015fa xidm\u0259t g\u00f6st\u0259rm\u0259sini t\u0259min etm\u0259kl\u0259 AVSMM\u0130S n\u00f6v\u00fc \u00fczr\u0259 s\u0131\u011forta\u00e7\u0131 s\u0131\u011fortal\u0131 m\u00fcnasib\u0259tl\u0259rin\u0259 yeni yana\u015fma m\u00fc\u0259yy\u0259n edir. Bu xidm\u0259t keyfiyy\u0259tinin y\u00fcks\u0259ldilm\u0259si il\u0259 n\u0259tic\u0259l\u0259n\u0259c\u0259kdir.<\/p>\n\n\n\n<p>Eyni zamanda, AVSMM\u0130S sah\u0259sind\u0259 islahatlar \u00e7\u0259r\u00e7iv\u0259sind\u0259 qabaqc\u0131l beyn\u0259lxalq t\u0259cr\u00fcb\u0259l\u0259r\u0259 uy\u011fun olaraq s\u0131\u011forta haqq\u0131 m\u0259bl\u0259\u011fl\u0259rinin hesablanmas\u0131 \u00fczr\u0259 qaydalara da d\u0259yi\u015fiklikl\u0259r edilmi\u015fdir. D\u0259yi\u015fikliy\u0259 \u0259sas\u0259n avton\u0259qliyyat vasit\u0259sinin istismar\u0131 zaman\u0131 \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259rin \u0259mlak\u0131na v\u0259 s\u0259hh\u0259tin\u0259 z\u0259r\u0259r vurma ehtimallar\u0131 n\u0259z\u0259r\u0259 al\u0131naraq risk amill\u0259ri \u00fczr\u0259 \u0259msallar \u2013 s\u00fcr\u00fcc\u00fcn\u00fcn ya\u015f\u0131 v\u0259 s\u00fcr\u00fcc\u00fcl\u00fck t\u0259cr\u00fcb\u0259sin\u0259, n\u0259qliyyat vasit\u0259sini idar\u0259 etm\u0259k h\u00fcququ olan \u015f\u0259xsl\u0259rin say\u0131na, n\u0259qliyyat vasit\u0259sinin idar\u0259 edildiyi b\u00f6lg\u0259nin yol-n\u0259qliyyat intensivliyin\u0259, n\u0259qliyyat vasit\u0259sinin istismar m\u00fcdd\u0259tin\u0259 g\u00f6r\u0259 d\u0259 \u0259msallar m\u00fc\u0259yy\u0259n olunur.<\/p>\n\n\n\n<p>H\u0259m\u00e7inin m\u00fcvafiq qaydalarda m\u00fc\u0259yy\u0259n olunmu\u015f bonus-malus sistemin\u0259 (s\u0131\u011fortal\u0131n\u0131n hadis\u0259 t\u00f6r\u0259dib t\u00f6r\u0259tm\u0259m\u0259sind\u0259n as\u0131l\u0131 olaraq tarifl\u0259rd\u0259 t\u0259tbiq edil\u0259n g\u00fcz\u0259\u015ft v\u0259 ya \u0259lav\u0259l\u0259r) d\u0259 d\u0259yi\u015fiklikl\u0259r edilmi\u015f v\u0259 onun real vaxt rejimind\u0259 t\u0259tbiqi n\u0259z\u0259rd\u0259 tutulmu\u015fdur. T\u0259tbiq edil\u0259n yeni bonus-malus sistemi n\u0259qliyyat vasit\u0259si sahibl\u0259rinin avtomobill\u0259rini idar\u0259 etdikl\u0259ri zaman \u015f\u0259xsl\u0259rin \u0259mlak\u0131na v\u0259 s\u0259hh\u0259tin\u0259 z\u0259r\u0259r vurmamalar\u0131 m\u0259qs\u0259dil\u0259 daha m\u0259suliyy\u0259tli olma\u011fa t\u0259\u015fviq edir.<\/p>\n\n\n\n<p>N\u0259z\u0259rd\u0259 tutulan d\u0259yi\u015fiklikl\u0259r n\u0259qliyyat vasit\u0259l\u0259ri s\u00fcr\u00fcc\u00fcl\u0259rinin s\u00fcr\u00fcc\u00fcl\u00fck m\u0259suliyy\u0259tinin art\u0131r\u0131lmas\u0131na v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin istehlak\u00e7\u0131lara daha yax\u015f\u0131 xidm\u0259t g\u00f6st\u0259rm\u0259l\u0259rini motivasiya etm\u0259kl\u0259 AVSMM\u0130S sah\u0259sind\u0259 m\u00f6vcud probleml\u0259rin aradan qalxmas\u0131na, s\u0131\u011fortaya ictimai inam\u0131n artmas\u0131na, b\u00fct\u00f6vl\u00fckd\u0259 s\u0131\u011forta bazar\u0131n\u0131n inki\u015faf\u0131na xidm\u0259t ed\u0259c\u0259kdir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avton\u0259qliyyat vasit\u0259si sahibl\u0259rinin m\u00fclki m\u0259suliyy\u0259tinin icbari s\u0131\u011fortas\u0131 sah\u0259sind\u0259 yeni Qaydalar t\u0259sdiq edilib. M\u0259rk\u0259zi Bankdan\u00a0veril\u0259n m\u0259lumata g\u00f6r\u0259, M\u0259rk\u0259zi Bank s\u0131\u011forta bazar\u0131n\u0131n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":171657,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,47,6,2,3,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/171656"}],"collection":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=171656"}],"version-history":[{"count":2,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/171656\/revisions"}],"predecessor-version":[{"id":171660,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/171656\/revisions\/171660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/media\/171657"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}