{"id":1103,"date":"2026-10-13T15:49:17","date_gmt":"2026-10-13T12:49:17","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1103"},"modified":"2026-10-13T15:49:17","modified_gmt":"2026-10-13T12:49:17","slug":"akilli-eksper-atama-sisteminde-195-bin-dosya-esigi-asildi","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1103","title":{"rendered":"Ak\u0131ll\u0131 Eksper Atama Sistemi\u2019nde 195 bin dosya e\u015fi\u011fi a\u015f\u0131ld\u0131"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>TOBB Sigorta Eksperleri \u0130cra Komitesi Ba\u015fkan\u0131 Ahmet Nedim Erdem, 1 A\u011fustos\u20139 Ekim d\u00f6neminde Ak\u0131ll\u0131 Eksper Atama Sistemi \u00fczerinden 195 bin 656 atama yap\u0131ld\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Atamalar\u0131n yakla\u015f\u0131k y\u00fczde 92\u2019sini trafik sigortas\u0131ndaki k\u0131smi hasar dosyalar\u0131 olu\u015ftururken Erdem, sistemin ba\u015far\u0131s\u0131n\u0131n dosya say\u0131s\u0131ndan \u00e7ok ger\u00e7ek zarar\u0131n h\u0131zl\u0131 ve do\u011fru tespitiyle de\u011ferlendirilmesi gerekti\u011fini belirtti.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK) <\/strong>taraf\u0131ndan geli\u015ftirilen <strong>Ak\u0131ll\u0131 Eksper Atama Sistemi\u2019<\/strong>nin T\u00fcrkiye genelindeki uygulamas\u0131na ili\u015fkin ilk veriler payla\u015f\u0131ld\u0131. TOBB Sigorta Eksperleri \u0130cra Komitesi (SE\u0130K) Ba\u015fkan\u0131 Ahmet Nedim Erdem, Anadolu Ajans\u0131\u2019na yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, 1 A\u011fustos\u2019ta \u00fclke \u00e7ap\u0131nda devreye al\u0131nan sistem \u00fczerinden 9 Ekim itibar\u0131yla trafik ve kasko sigortalar\u0131nda toplam 195 bin 656 dosyaya eksper atand\u0131\u011f\u0131n\u0131 bildirdi.<\/p>\n<p class=\"wp-block-paragraph\">Sistemin pilot uygulamas\u0131 1 Nisan\u2019da Bursa ve Ordu\u2019da ba\u015flad\u0131. Ba\u015flang\u0131\u00e7ta 1 Temmuz\u2019da tamamlanmas\u0131 planlanan pilot d\u00f6nemin s\u00fcresi uzat\u0131ld\u0131 ve uygulaman\u0131n kapsam\u0131 geni\u015fletildi. Bal\u0131kesir, Erzurum, Kayseri, K\u00fctahya, Manisa, U\u015fak ve Van da 6 Temmuz\u2019da sisteme d\u00e2hil edildi. Pilot s\u00fcrecin ard\u0131ndan uygulama, 1 A\u011fustos\u2019ta T\u00fcrkiye geneline yay\u0131ld\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cSistemi s\u00fcrekli geli\u015fen bir yap\u0131 olarak g\u00f6r\u00fcyoruz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Erdem, pilot uygulaman\u0131n ger\u00e7ek hasar dosyalar\u0131, saha ko\u015fullar\u0131 ve farkl\u0131 sigorta \u015firketlerinin operasyonel yap\u0131lar\u0131 i\u00e7inde sistemi s\u0131namak amac\u0131yla y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yledi. \u00dclke geneline ge\u00e7i\u015f \u00f6ncesinde olas\u0131 sorunlar\u0131n belirlenmesinin ve uygulama kurallar\u0131n\u0131n sahadan gelen verilerle geli\u015ftirilmesinin hedeflendi\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Erdem, \u201cSistemi tamamlanm\u0131\u015f ve art\u0131k de\u011fi\u015fmeyecek bir proje olarak de\u011fil, sahadan gelen veriler, eksperlerin uygulama tecr\u00fcbeleri ve kurumlar\u0131n yapt\u0131\u011f\u0131 de\u011ferlendirmeler do\u011frultusunda s\u00fcrekli geli\u015fen bir yap\u0131 olarak g\u00f6r\u00fcyoruz\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Temel de\u011fi\u015fikli\u011fin eksper atamalar\u0131n\u0131n belirlenmi\u015f ve izlenebilir kurallara ba\u011flanmas\u0131 oldu\u011funu belirten Erdem, atamalar\u0131n objektif kriterlere dayanmas\u0131yla ekspertiz kanaatinin ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131n\u0131n birlikte korunmas\u0131n\u0131n \u00f6nemine dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">Hasar\u0131n ba\u011f\u0131ms\u0131z ve standart bir teknik s\u00fcre\u00e7te tespit edilmesini, s\u00fcrecin kay\u0131t alt\u0131na al\u0131nmas\u0131n\u0131, ger\u00e7ek zarar\u0131n ortaya konulmas\u0131n\u0131 ve hak sahibinin tazminat s\u00fcrecine m\u00fcmk\u00fcn oldu\u011funca do\u011frudan eri\u015febilmesini sistemin temel unsurlar\u0131 olarak s\u0131ralad\u0131.<br \/>Sigorta Bilgi ve G\u00f6zetim Merkezi (SBM) \u00fczerinden eksper rapor yaz\u0131m sistemine 1 Ocak 2027\u2019de ge\u00e7ilece\u011fini hat\u0131rlatan Erdem, t\u00fcm eksperlerin raporlar\u0131n\u0131 ayn\u0131 platformda haz\u0131rlamas\u0131yla raporlama s\u00fcre\u00e7lerinin daha h\u0131zl\u0131 tamamlanaca\u011f\u0131n\u0131 kaydetti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cAtama say\u0131s\u0131n\u0131 tek ba\u015f\u0131na sistemin ba\u015far\u0131s\u0131n\u0131n g\u00f6stergesi olarak de\u011ferlendirmek do\u011fru olmaz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">SBM taraf\u0131ndan SE\u0130K\u2019e iletilen verilere g\u00f6re, 1 A\u011fustos\u20139 Ekim aras\u0131ndaki 195 bin 656 ataman\u0131n 179 bin 749\u2019u trafik sigortas\u0131nda k\u0131smi hasar s\u0131ral\u0131 atama kapsam\u0131nda yap\u0131ld\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Kaskoda k\u0131smi hasar s\u0131ral\u0131 atama say\u0131s\u0131 8 bin 455, a\u011f\u0131r hasar s\u0131ral\u0131 atama say\u0131s\u0131 4 bin 12, k\u0131smi hasar se\u00e7erek atama say\u0131s\u0131 ise 3 bin 432 oldu. Trafik sigortas\u0131nda a\u011f\u0131r hasar s\u0131ral\u0131 atama kapsam\u0131nda da 8 dosyaya eksper atand\u0131. B\u00f6ylece toplam atamalar\u0131n yakla\u015f\u0131k y\u00fczde 92\u2019sini trafik sigortas\u0131ndaki k\u0131smi hasar dosyalar\u0131 olu\u015fturdu.<\/p>\n<p class=\"wp-block-paragraph\">Bu rakamlar\u0131n sistemin ula\u015ft\u0131\u011f\u0131 operasyonel \u00f6l\u00e7e\u011fi g\u00f6sterdi\u011fini belirten Erdem, atama say\u0131s\u0131n\u0131n hizmet kalitesindeki de\u011fi\u015fimi, raporlama s\u00fcrelerini, uyu\u015fmazl\u0131klara etkisini veya hak sahibinin tazminata eri\u015fimindeki sonucu tek ba\u015f\u0131na ortaya koymad\u0131\u011f\u0131n\u0131 s\u00f6yledi. Bu alanlar\u0131 de\u011ferlendirmek i\u00e7in ayn\u0131 y\u00f6ntemle \u00fcretilmi\u015f, kar\u015f\u0131la\u015ft\u0131r\u0131labilir verilerin yeterli s\u00fcre boyunca olu\u015fmas\u0131 gerekti\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Erdem, nihai \u00f6l\u00e7\u00fct\u00fcn ka\u00e7 eksperin ka\u00e7 dosya ald\u0131\u011f\u0131 olmad\u0131\u011f\u0131n\u0131 belirterek, hak sahibinin ger\u00e7ek zarar\u0131n\u0131n ilk a\u015famada h\u0131zl\u0131 ve do\u011fru tespit edilmesinin \u00f6nemini vurgulad\u0131. Maddi hasar ile varsa de\u011fer kayb\u0131n\u0131n ayn\u0131 teknik zeminde de\u011ferlendirilmesi, raporlar\u0131n gerek\u00e7eli ve denetlenebilir olmas\u0131 ve teknik olarak \u00f6nlenebilecek uyu\u015fmazl\u0131klar\u0131n ortaya \u00e7\u0131kmadan azalt\u0131lmas\u0131 gerekti\u011fini kaydetti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cDe\u011fer kayb\u0131 kaynakl\u0131 uyu\u015fmazl\u0131klar\u0131n azalmas\u0131 sistemin \u00f6nemli \u00e7\u0131kt\u0131lar\u0131ndan biri olacakt\u0131r\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">De\u011fer kayb\u0131nda hedeflenen de\u011fi\u015fikli\u011fin, vatanda\u015f\u0131 \u00f6nce zarar\u0131n\u0131 \u00f6\u011frenmek, ard\u0131ndan hesaplatmak, ayr\u0131ca ba\u015fvuru yapmak ve sonras\u0131nda uyu\u015fmazl\u0131\u011f\u0131 \u00e7\u00f6zmeye \u00e7al\u0131\u015fmak zorunda b\u0131rakan par\u00e7al\u0131 yap\u0131y\u0131 sadele\u015ftirmek oldu\u011funu belirten Erdem, hesaplama y\u00f6ntemlerindeki farkl\u0131l\u0131klara dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">Ayn\u0131 arac\u0131n ayn\u0131 nitelikteki hasar\u0131 i\u00e7in farkl\u0131 y\u00f6ntemlerin, parametrelerin veya veri kabullerinin kullan\u0131lmas\u0131n\u0131n \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131 sonu\u00e7lar do\u011furabildi\u011fini s\u00f6yledi. Hasar tespitiyle de\u011fer kayb\u0131n\u0131n ayn\u0131 teknik incelemede ele al\u0131nmas\u0131n\u0131n ve hesaplaman\u0131n ortak kriterlere dayanmas\u0131n\u0131n, y\u00f6ntem farkl\u0131l\u0131klar\u0131ndan kaynaklanan uyu\u015fmazl\u0131klar\u0131 azaltmay\u0131 ama\u00e7lad\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Teknik olarak \u00f6nlenebilecek uyu\u015fmazl\u0131klar\u0131n ortaya \u00e7\u0131kmas\u0131n\u0131 ve daha sonra Sigorta Tahkim Komisyonu\u2019nda \u00e7\u00f6z\u00fclmesini beklemek yerine, bunlar\u0131 do\u011furan nedenleri m\u00fcmk\u00fcn oldu\u011funca ortadan kald\u0131rmay\u0131 hedeflediklerini belirten Erdem, \u015funlar\u0131 s\u00f6yledi:<br \/>\u201cVatanda\u015f\u0131n hak etti\u011fi de\u011fer kayb\u0131 tazminat\u0131na h\u0131zl\u0131 bir \u015fekilde ula\u015fmas\u0131 neticesinde, Sigorta Tahkim Komisyonu\u2019nda de\u011fer kayb\u0131 kaynakl\u0131 uyu\u015fmazl\u0131klar\u0131n azalmas\u0131 sistemin \u00f6nemli \u00e7\u0131kt\u0131lar\u0131ndan biri olacakt\u0131r. Yaln\u0131zca y\u00f6ntem farkl\u0131l\u0131klar\u0131ndan veya ayr\u0131 ba\u015fvuru s\u00fcre\u00e7lerinden do\u011fan uyu\u015fmazl\u0131klar\u0131n ve bunlar\u0131n Sigorta Tahkim Komisyonuna yans\u0131mas\u0131n\u0131n da zaman i\u00e7inde azalmas\u0131n\u0131 bekliyoruz.\u201d<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cHi\u00e7bir sigorta eksperi sigortal\u0131 ya da hak sahibini arayarak vekaletname talep etmez\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Erdem, de\u011fer kayb\u0131 tazminat\u0131 s\u00fcre\u00e7lerinde vatanda\u015flar\u0131 ma\u011fdur eden yasa d\u0131\u015f\u0131 yap\u0131lara ili\u015fkin de uyar\u0131larda bulundu. De\u011fer kayb\u0131 tazminat\u0131n\u0131n trafik sigortas\u0131 kapsam\u0131nda \u00f6denmesiyle birlikte, kaza sonras\u0131nda hak sahiplerinin bilgilerini kanunsuz yollarla elde ederek onlar\u0131 hasar takibi i\u00e7in vek\u00e2let vermeye zorlayan organize yap\u0131lar\u0131n ortaya \u00e7\u0131kt\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Bu yap\u0131lar\u0131n \u00e7a\u011fr\u0131 merkezlerinden vatanda\u015flar\u0131 arayarak kendilerini \u201csigorta eksperi, hazine eksperi ya da devletin eksperi\u201d gibi unvanlarla tan\u0131tt\u0131\u011f\u0131n\u0131 ve vek\u00e2letname istedi\u011fini belirtti. Sigorta \u015firketinden ald\u0131klar\u0131 tazminat\u0131n k\u00fc\u00e7\u00fck bir b\u00f6l\u00fcm\u00fcn\u00fc vatanda\u015fa \u00f6deyen bu yap\u0131lar\u0131n \u00e7ok say\u0131da ki\u015fiyi ma\u011fdur etti\u011fini ve sigortac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc zarara u\u011fratt\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Kanunen tarafs\u0131z ve ba\u011f\u0131ms\u0131z olmakla y\u00fck\u00fcml\u00fc sigorta eksperlerinin vek\u00e2letname talep edemeyece\u011fini ve hasar takibi yapamayaca\u011f\u0131n\u0131 vurgulayan Erdem, SE\u0130K\u2019e ula\u015fan \u00e7ok say\u0131da ba\u015fvuruda sahte vek\u00e2letle i\u015flem yap\u0131ld\u0131\u011f\u0131n\u0131, eksper olmayan ki\u015filere hasar ve de\u011fer kayb\u0131 hesaplat\u0131ld\u0131\u011f\u0131n\u0131, ger\u00e7ekle ba\u011fda\u015fmayan haks\u0131z tazminat taleplerinde bulunuldu\u011funu ve vatanda\u015flara eksik \u00f6deme yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fcklerini aktard\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Erdem, SEDDK\u2019nin bu yap\u0131lara y\u00f6nelik tedbirlerini \u00f6nemsediklerini, desteklediklerini ve yerinde bulduklar\u0131n\u0131 belirterek \u015fu uyar\u0131y\u0131 yapt\u0131:<br \/>\u201cBir kez daha vurgulamak isterim ki bir ki\u015fi sigorta eksperi oldu\u011funu iddia ederek sizden vekalet istiyorsa, bu bir doland\u0131r\u0131c\u0131l\u0131k giri\u015fimidir. \u2018Devletin eksperiyim, de\u011fer kayb\u0131n\u0131z\u0131 ben alaca\u011f\u0131m, mahkemeye gitmeden \u00e7\u00f6zerim\u2019 gibi ifadelerle arayan ki\u015filere kesinlikle itibar edilmemelidir.\u201d<\/p>\n<p class=\"wp-block-paragraph\">Vatanda\u015flar\u0131n hak ettikleri tazminata ula\u015fmak i\u00e7in arac\u0131 ki\u015filere ba\u015fvurmas\u0131na gerek olmad\u0131\u011f\u0131n\u0131 s\u00f6yleyen Erdem, sigorta eksperinin yapt\u0131\u011f\u0131 ba\u011f\u0131ms\u0131z ekspertiz ile do\u011frudan sigorta \u015firketine ba\u015fvuru s\u00fcrecinin, hak sahiplerinin tazminata eri\u015fiminin esas\u0131n\u0131 olu\u015fturdu\u011funu ifade etti.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fakilli-eksper-atama-sisteminde-195-bin-dosya-esigi-asildi%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>TOBB Sigorta Eksperleri \u0130cra Komitesi Ba\u015fkan\u0131 Ahmet Nedim Erdem, 1 A\u011fustos\u20139 Ekim d\u00f6neminde Ak\u0131ll\u0131 Eksper Atama Sistemi \u00fczerinden 195 bin 656 atama yap\u0131ld\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Atamalar\u0131n yakla\u015f\u0131k y\u00fczde 92\u2019sini trafik sigortas\u0131ndaki k\u0131smi hasar dosyalar\u0131 olu\u015ftururken Erdem, sistemin ba\u015far\u0131s\u0131n\u0131n dosya say\u0131s\u0131ndan \u00e7ok<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1103","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1103"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1103\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}