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YENİ DÜZENLEMELER IŞIĞINDA SİGORTA VE SİGORTA BROKERLARI

INSURANCE AND INSURANCE BROKERS UNDER THE NEW

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Abstract (2. Language): 
Today, a large percentage of insurance contracts all over the world have been executed through insurance intermediaries, called "insurance agents" and "brokers". The insurance and reinsurance brokers examined in this study are the people who only perform intermediate activities, and also represent the insured in the insurance contracts. The insurance brokers, who are assumed as middlemen in legal terms, mediate the establishment of insurance contracts and are assumed as traders according to clause 12 of the Article 12 of TCC. The Paragraph 2 of the Article 11 of TCC should not be considered applicable to insurance brokers. This article should be re-defined with a clearer expression in order to prevent the legal chaos caused by it.
Abstract (Original Language): 
Günümüzde bütün dünyada sigorta sözleşmeleri büyük bir oranda “sigorta acenteleri” ve “broker” olarak adlandırılan sigorta aracıları eliyle gerçekleşmektedir. Bu çalışmada incelenen sigorta ve reasürans brokerleri sadece aracılık faaliyetinde bulunan, ayrıca sigorta sözleşmelerinde sigortalıyı temsil eden kişilerdir. Hukuki bakımdan tellal olarak kabul edilen sigorta brokerleri, sigorta sözleşmelerinin kuruluşuna aracılık ederler ve TTK. m. 12/b.12 anlamında tacir sayılırlar. TTK. m. 117/f.2’nin sigorta brokerlerine uygulanması düşünülmemelidir. Bu madde neden olduğu hukuki karışıklığın engellenmesi için daha açık bir ifade biçimi ile yeniden düzenlenmelidir.
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