Bir g\u00fcn ya\u011fmur, bir g\u00fcn dolu, bir g\u00fcn f\u0131rt\u0131na\u2026 Hayat\u0131n ola\u011fan ak\u0131\u015f\u0131 i\u00e7inde, ne zaman ve nerede kar\u015f\u0131m\u0131za \u00e7\u0131kaca\u011f\u0131n\u0131 bilemedi\u011fimiz risklerle ya\u015f\u0131yoruz. Y\u0131llar\u0131n eme\u011fiyle ald\u0131\u011f\u0131m\u0131z evimiz, bin bir g\u00fc\u00e7l\u00fckle sahip oldu\u011fumuz arac\u0131m\u0131z, tek bir afetle b\u00fcy\u00fck zarar g\u00f6rebiliyor.<\/p>\n
B\u00f6yle zamanlarda g\u00f6z\u00fcm\u00fcz\u00fcn ilk \u00e7evrildi\u011fi yer elbette devletimiz oluyor. Yaralar\u0131n sar\u0131lmas\u0131, ma\u011fdurlar\u0131n ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 ve hayat\u0131n yeniden normale d\u00f6nmesi i\u00e7in kamu kurumlar\u0131n\u0131n deste\u011fi b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor.<\/p>\n
Ancak burada \u00fczerinde durmam\u0131z gereken bir ayr\u0131m var: Devletin afet sonras\u0131 sa\u011flad\u0131\u011f\u0131 yard\u0131m ile sigortan\u0131n sundu\u011fu g\u00fcvence ayn\u0131 \u015fey de\u011fildir.<\/p>\n
\u00d6rne\u011fin bir sel felaketinin ard\u0131ndan, kaskosu bulunmayan ve arac\u0131 zarar g\u00f6ren vatanda\u015flara destek verilece\u011finin a\u00e7\u0131klanmas\u0131, dayan\u0131\u015fma a\u00e7\u0131s\u0131ndan de\u011ferlidir. Fakat bu a\u00e7\u0131klaman\u0131n nas\u0131l yap\u0131ld\u0131\u011f\u0131 da en az yard\u0131m\u0131n kendisi kadar \u00f6nemlidir.<\/p>\n
\u00c7\u00fcnk\u00fc arac\u0131na y\u0131llard\u0131r kasko yapt\u0131ran, b\u00fct\u00e7esinden pay ay\u0131rarak prim \u00f6deyen bir vatanda\u015f, b\u00f6yle bir a\u00e7\u0131klamay\u0131 okudu\u011funda \u015fu soruyu sorabilir: \u201cBen o zaman neden sigorta yapt\u0131r\u0131yorum? Nas\u0131l olsa bir afet oldu\u011funda devlet zarar\u0131m\u0131 kar\u015f\u0131l\u0131yor.\u201d<\/p>\n
\u0130\u015fte yanl\u0131\u015f anla\u015f\u0131lmaya a\u00e7\u0131k nokta tam da buras\u0131d\u0131r. Afet sonras\u0131nda sa\u011flanan kamu deste\u011fi; yard\u0131m\u0131n ko\u015fullar\u0131na, kapsam\u0131na ve ayr\u0131lan kaynaklara ba\u011fl\u0131d\u0131r. Bu deste\u011fin, herkesin b\u00fct\u00fcn zarar\u0131n\u0131 kar\u015f\u0131layaca\u011f\u0131 varsay\u0131m\u0131yla hareket etmek do\u011fru olmaz. Sigorta ise poli\u00e7ede belirtilen riskler, teminatlar, limitler ve di\u011fer ko\u015fullar \u00e7er\u00e7evesinde i\u015fleyen bir g\u00fcvencedir. K\u0131sacas\u0131 vatanda\u015f\u0131n, olas\u0131 bir devlet yard\u0131m\u0131n\u0131 sigortan\u0131n yerine koymas\u0131, gelecekte \u00e7ok daha a\u011f\u0131r bir maddi y\u00fckle kar\u015f\u0131la\u015fmas\u0131na neden olabilir. Bu nedenle valilerimizin, kaymakamlar\u0131m\u0131z\u0131n ve ilgili bakanlar\u0131m\u0131z\u0131n afet sonras\u0131nda yapt\u0131klar\u0131 a\u00e7\u0131klamalarda sigortan\u0131n \u00f6nemine de yer vermelerinin yararl\u0131 olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n
Verilecek mesaj \u015f\u00f6yle olabilir: \u201cDevlet olarak b\u00fct\u00fcn ma\u011fdur vatanda\u015flar\u0131m\u0131z\u0131n yan\u0131nday\u0131z. \u0130mk\u00e2nlar\u0131m\u0131z \u00e7er\u00e7evesinde yaralar\u0131 sarmak i\u00e7in \u00e7al\u0131\u015f\u0131yoruz. Ancak afetlere kar\u015f\u0131 maddi g\u00fcvenceyi g\u00fc\u00e7lendirmek ortak sorumlulu\u011fumuzdur. Vatanda\u015flar\u0131m\u0131z\u0131 evlerini, ara\u00e7lar\u0131n\u0131 ve i\u015f yerlerini ihtiya\u00e7lar\u0131na uygun sigorta teminatlar\u0131yla korumaya \u00e7a\u011f\u0131r\u0131yoruz. Kamu deste\u011fi ve sigorta g\u00fcvencesi, toplumumuzun afetler kar\u015f\u0131s\u0131ndaki dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 birlikte art\u0131racakt\u0131r.\u201d<\/p>\n
B\u00f6yle bir yakla\u015f\u0131m hem vatanda\u015f\u0131n devlete duydu\u011fu g\u00fcveni korur hem de ki\u015fisel tedbir alma bilincini g\u00fc\u00e7lendirir. Sigortan\u0131n yayg\u0131nla\u015fmas\u0131n\u0131n toplumsal bir faydas\u0131 da vard\u0131r. Daha \u00e7ok ki\u015finin sigorta sistemine kat\u0131lmas\u0131, risklerin daha geni\u015f bir havuzda payla\u015f\u0131lmas\u0131n\u0131 sa\u011flar. Bu durum, di\u011fer ko\u015fullar da elverdi\u011finde, primlerin daha eri\u015filebilir olmas\u0131na katk\u0131da bulunabilir. As\u0131l hedef, afet ger\u00e7ekle\u015fmeden \u00f6nce daha fazla insan\u0131n yeterli g\u00fcvenceye sahip olmas\u0131d\u0131r. Devletimizin yan\u0131m\u0131zda oldu\u011funu bilmek hepimiz i\u00e7in k\u0131ymetlidir. Bize d\u00fc\u015fen de bu g\u00fcveni, zaman\u0131nda ald\u0131\u011f\u0131m\u0131z tedbirlerle tamamlamakt\u0131r.<\/p>\n
\u00c7\u00fcnk\u00fc afetin ne zaman gelece\u011fini bilemeyiz; ama ona nas\u0131l haz\u0131rlanaca\u011f\u0131m\u0131z\u0131 bug\u00fcnden se\u00e7ebiliriz.<\/p>\n
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