{"id":3596,"date":"2015-04-06T20:00:00","date_gmt":"2015-04-06T18:00:00","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/pojisteni-odpovednosti-za-skodu-cesi-podcenuji\/"},"modified":"2024-06-24T07:51:56","modified_gmt":"2024-06-24T05:51:56","slug":"pojisteni-odpovednosti-za-skodu-cesi-podcenuji","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/pojisteni-odpovednosti-za-skodu\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu \u010ce\u0161i podce\u0148uj\u00ed"},"content":{"rendered":"<p><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0b\u011b\u017en\u00e9ho ob\u010dansk\u00e9ho \u017eivota. M\u00e1te pocit, \u017ee\u00a0je\u00a0to\u00a0jen\u00a0dal\u0161\u00ed zbyte\u010dn\u00e1 pojistn\u00e1 smlouva? Dnes ji\u017e rozhodn\u011b ne, pom\u016f\u017ee V\u00e1m u\u0161et\u0159it nep\u0159\u00edjemn\u00e9 a\u00a0ne\u010dekan\u00e9 v\u00fddaje, kter\u00e9\u00a0dnes ji\u017e mohou p\u0159evy\u0161ovat milionov\u00e9 \u010d\u00e1stky.<\/strong><\/p>\n<img decoding=\"async\" width=\"770\" height=\"513\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/13a0eb2a-pojisteni-odpovednosti-za-skodu-770x513.jpg\" class=\" wp-post-image wp-stateless-item\" alt=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu \u010ce\u0161i podce\u0148uj\u00ed\" title=\"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu \u010ce\u0161i podce\u0148uj\u00ed\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/13a0eb2a-pojisteni-odpovednosti-za-skodu-770x513.jpg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/13a0eb2a-pojisteni-odpovednosti-za-skodu.jpg 849w\" sizes=\"(max-width: 770px) 100vw, 770px\" data-image-size=\"medium\" data-stateless-media-bucket=\"wp-resources\" data-stateless-media-name=\"srovnator.cz\/ng\/2022\/06\/13a0eb2a-pojisteni-odpovednosti-za-skodu.jpg\" \/><div class=\"small mb-4 mt-2 text-center\">Chra\u0148te sebe i sv\u00e9 bl\u00edzk\u00e9 p\u0159ed ne\u0161\u0165astnou n\u00e1hodou. | Foto: <a href=\"https:\/\/eu.fotolia.com\/\">Fotolia.com<\/a><\/div>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0b\u011b\u017en\u00e9ho ob\u010dansk\u00e9ho \u017eivota (d\u00e1le jen\u00a0poji\u0161t\u011bn\u00ed odpov\u011bdnosti) V\u00e1m pom\u016f\u017ee v\u00a0situaci, kdy\u00a0jste n\u011bkomu povinni nahradit zp\u016fsobenou \u0161kodu na\u00a0majetku, finan\u010dn\u00ed \u00fajmu nebo \u00fajmu na\u00a0zdrav\u00ed. M\u016f\u017ee se\u00a0jednat o\u00a0ne\u0161\u0165astnou n\u00e1hodu, p\u0159i\u00a0kter\u00e9\u00a0vytop\u00edte souseda, nebo kdy\u017e\u00a0Va\u0161e d\u00edtko rozbije ve\u00a0\u0161kole okno. \u010cast\u00e9 jsou dnes tak\u00e9 \u0161kody p\u0159i\u00a0rekrea\u010dn\u00edm sportu, kdy\u00a0se\u00a0nap\u0159\u00edklad st\u0159etnete s\u00a0n\u011bk\u00fdm na\u00a0kole \u010di\u00a0na\u00a0kole\u010dkov\u00fdch brusl\u00edch.<\/p>\n<p>Nemus\u00ed se\u00a0jednat pouze o\u00a0Va\u0161i nehodu. Nehodu mohou zp\u016fsobit t\u0159eba Va\u0161e d\u011bti, dal\u0161\u00ed osoby ve\u00a0spole\u010dn\u00e9 dom\u00e1cnosti \u010di\u00a0dom\u00e1c\u00ed mazl\u00ed\u010dci. Sta\u010d\u00ed, aby\u00a0se\u00a0t\u0159eba Va\u0161e ko\u010dka pro\u0161la po\u00a0parapetu a\u00a0shodila kv\u011btin\u00e1\u010d na\u00a0pod\u00a0okny stoj\u00edc\u00ed auto.<\/p>\n<p>Zkr\u00e1tka poji\u0161t\u011bn\u00ed odpov\u011bdnosti se\u00a0v\u00a0dne\u0161n\u00ed dob\u011b hod\u00ed opravdu ka\u017ed\u00e9mu. Dnes, kdy\u00a0velk\u00e9 \u010d\u00e1sti dom\u00e1cnost\u00ed sotva sta\u010d\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy, je\u00a0opravdu obt\u00ed\u017en\u00e9 platit za\u00a0ne\u0161\u0165astnou ud\u00e1lost vysok\u00e9 \u010d\u00e1stky. I\u00a0proto se\u00a0vyplat\u00ed m\u00edt poji\u0161t\u011bn\u00ed odpov\u011bdnosti uzav\u0159en\u00e9. V\u011bt\u0161inou se\u00a0sjedn\u00e1v\u00e1 spolu s\u00a0<a href=\"\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00edm dom\u00e1cnosti<\/a>, jako p\u0159ipoji\u0161t\u011bn\u00ed.<\/p>\n<h2>Podle NOZ m\u016f\u017eou j\u00edt \u0161kody do\u00a0milion\u016f<\/h2>\n<p>Od\u00a0platnosti nov\u00e9ho ob\u010dansk\u00e9ho z\u00e1kon\u00edku (NOZ) se\u00a0vypl\u00e1cen\u00e9 \u00fajmy mnohan\u00e1sobn\u011b zvy\u0161uj\u00ed. Podle NOZ jste odpov\u011bdn\u00ed nejen za\u00a0sebe a\u00a0za\u00a0n\u00e1sledky sv\u00e9ho chov\u00e1n\u00ed, ale tak\u00e9 za\u00a0v\u0161echen sv\u016fj majetek, d\u011bti a\u00a0i\u00a0zv\u00ed\u0159ata.<\/p>\n<div class=\"alert alert-secondary\"><span>P\u0159i\u00a0porovn\u00e1n\u00ed vypl\u00e1cen\u00fdch \u0161kod do\u00a0roku 2013 s\u00a0rokem 2014 je\u00a0rozd\u00edl opravdu znateln\u00fd. Nap\u0159\u00edklad neuklizen\u00edm\/neopraven\u00edm chodn\u00edku ve\u00a0Va\u0161em vlastnictv\u00ed jste zp\u016fsobili p\u00e1d po\u0161kozen\u00e9ho a\u00a0neotev\u0159enou zlomeninu jeho ruky, bez trval\u00fdch n\u00e1sledk\u016f \u2013 do\u00a0roku 2013 by\u00a0byla v\u00fd\u0161e n\u00e1hrady 3.600K\u010d, nyn\u00ed ji\u017e 11.308K\u010d. <\/span><\/div>\n<div class=\"alert alert-secondary\"><span>V\u00a0p\u0159\u00edpad\u011b usmrcen\u00ed jsou ty \u010d\u00e1stky, ale mnohem vy\u0161\u0161\u00ed \u2013 ne\u00famyslnou nespr\u00e1vnou obsluhou n\u011bjak\u00fdch technick\u00fdch za\u0159\u00edzen\u00ed jste zp\u016fsobili usmrcen\u00ed, zem\u0159el\u00fd po\u00a0sob\u011b zanechal man\u017eelku, oba rodi\u010de, 2 dosp\u011bl\u00e9 d\u011bti ji\u017e \u017eij\u00edc\u00ed ve\u00a0sv\u00e9 dom\u00e1cnosti s\u00a0rodinami \u2013 do\u00a0roku 2013 by\u00a0byla v\u00fd\u0161e n\u00e1hrady \u00fajmy v\u0161em poz\u016fstal\u00fdm 1.200.000K\u010d, od\u00a0roku 2014 by\u00a0se\u00a0mohla \u010d\u00e1stka vy\u0161plhat a\u017e na\u00a02.200.000\u00a0K\u010d. Takov\u00fdch p\u0159\u00edklad\u016f bychom V\u00e1m mohli uv\u00e1d\u011bt nes\u010detn\u011b.<\/span><\/div>\n<h2>Limity pojistn\u00e9ho pln\u011bn\u00ed volte s\u00a0rozmyslem<\/h2>\n<p>Je\u00a0samoz\u0159ejm\u011b na\u00a0ka\u017ed\u00e9m z\u00a0V\u00e1s zda si takov\u00e9to poji\u0161t\u011bn\u00ed sjedn\u00e1te nebo ne, ale pokud u\u017e se\u00a0pro\u00a0n\u011bj rozhodnete, je\u00a0dobr\u00e9 si tak\u00e9 rozmyslet v\u00fd\u0161i pojistn\u00fdch limit\u016f.<\/p>\n<p>Poji\u0161\u0165ovny v\u011bt\u0161inou uv\u00e1d\u011bj\u00ed tyto limity \u2013 \u00fajma na\u00a0zdrav\u00ed\/usmrcen\u00ed, \u00fajma na\u00a0majetku. Limity se\u00a0pohybuj\u00ed v\u00a0milionov\u00fdch \u010d\u00e1stk\u00e1ch a\u00a0je\u00a0pot\u0159eba si dop\u0159edu promyslet o\u00a0jak\u00e9 limity m\u00e1te z\u00e1jem a\u00a0co\u00a0jste za\u00a0toto poji\u0161t\u011bn\u00ed ochotni zaplatit. Je\u00a0pot\u0159eba si v\u0161ak uv\u011bdomit, \u017ee\u00a0v\u00fd\u0161e limit\u016f je\u00a0nejvy\u0161\u0161\u00ed hranice mo\u017en\u00e9ho pln\u011bn\u00ed od\u00a0poji\u0161\u0165ovny.<\/p>\n<p>S\u00a0poji\u0161t\u011bn\u00edm odpov\u011bdnosti za\u00a0\u0161kodu nebudete muset b\u00fdt ve\u00a0stresu, co\u00a0kde\u00a0Va\u0161e d\u00edtko vyvede. Nikdy nev\u00edte, co\u00a0V\u00e1s b\u011bhem dne potk\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z b\u011b\u017en\u00e9ho ob\u010dansk\u00e9ho \u017eivota. M\u00e1te pocit, \u017ee je to jen dal\u0161\u00ed zbyte\u010dn\u00e1 pojistn\u00e1 smlouva? Dnes ji\u017e rozhodn\u011b ne, pom\u016f\u017ee V\u00e1m u\u0161et\u0159it nep\u0159\u00edjemn\u00e9 a ne\u010dekan\u00e9 v\u00fddaje, kter\u00e9 dnes ji\u017e mohou p\u0159evy\u0161ovat milionov\u00e9 \u010d\u00e1stky.<\/p>\n","protected":false},"author":6,"featured_media":3597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[542,387,543,517,544,458,507],"class_list":["post-3596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni-majetku","tag-financni-ujma","tag-nahrada-skody","tag-nehoda","tag-pojisteni-domacnosti","tag-pojisteni-majetku","tag-pojisteni-odpovednosti","tag-ujma-na-zdravi"],"acf":{"znacka":"","model":"","objem":"","vyrobeno":"","vykon":"","velikost_1":"","velikost_2":"","velikost_3":"","velikost_4":"","roky":"","roky_velikost_1":"","roky_velikost_2":"","roky_velikost_3":"","roky_velikost_4":"","pocet_kalkulaci":0,"page_post_meta_bread":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"cat"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - 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