{"id":4731,"date":"2019-10-15T07:25:02","date_gmt":"2019-10-15T05:25:02","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/proc-je-dulezite-mit-povinne-ruceni\/"},"modified":"2026-01-23T10:27:27","modified_gmt":"2026-01-23T09:27:27","slug":"proc-je-dulezite-mit-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/proc-se-vyplati-mit-sjednane-povinne-ruceni\/","title":{"rendered":"Pro\u010d je d\u016fle\u017eit\u00e9 m\u00edt povinn\u00e9 ru\u010den\u00ed"},"content":{"rendered":"

Nehodu m\u016f\u017eete zp\u016fsobit i p\u0159i sebev\u00edc opatrn\u011bj\u0161\u00ed j\u00edzd\u011b s dodr\u017eov\u00e1n\u00edm v\u0161ech dopravn\u00edch p\u0159edpis\u016f. Abyste p\u0159i \u00fahrad\u011b \u0161kody nemuseli s\u00e1hnout hluboko do pen\u011b\u017eenky, vyplat\u00ed se m\u00edt sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed, neboli poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla. By\u0165 jsou provozovatel\u00e9 registrovan\u00fdch voz\u016f povinni m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed u n\u011bkter\u00e9 z poji\u0161\u0165oven, st\u00e1le existuje zhruba 1% \u0159idi\u010d\u016f, kte\u0159\u00ed na silnici vyj\u00ed\u017ed\u011bj\u00ed bez n\u011bj a v p\u0159\u00edpad\u011b nehody tak riskuj\u00ed sn\u00ed\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b sv\u00e9 i sv\u00fdch rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f na dlouh\u00e1 l\u00e9ta dop\u0159edu.<\/strong><\/p>\n\"Pro\u010d\n

Z povinn\u00e9ho ru\u010den\u00ed jsou vypl\u00e1ceny n\u00e1hrady \u0161kod t\u011bm po\u0161kozen\u00fdm, jim\u017e zp\u016fsobil \u00fajmu n\u011bkdo jin\u00fd provozem sv\u00e9ho vozidla. Poji\u0161t\u011bn\u00ed se vztahuje na \u0161kody zp\u016fsoben\u00e9 nejen na zdrav\u00ed \u010di majetku, ale i na \u00fahradu n\u00e1klad\u016f spojen\u00fdch s pr\u00e1vn\u00edm zastoupen\u00edm p\u0159ed soudem p\u0159i uplat\u0148ov\u00e1n\u00ed n\u00e1rok\u016f nebo i na \u0161kody spojen\u00e9 s u\u0161l\u00fdm ziskem \u010di ztr\u00e1tou p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed. Pokud st\u00e1le v\u00e1h\u00e1te si povinn\u00e9 ru\u010den\u00ed<\/a> sjednat, myslete na to, \u017ee \u0161kody se mohou vy\u0161plhat do n\u011bkolika des\u00edtek milion\u016f korun.<\/p>\n

Pozor na limity<\/h2>\n

P\u0159i sjedn\u00e1v\u00e1n\u00ed povinn\u00e9ho ru\u010den\u00ed si dob\u0159e promyslete, jakou v\u00fd\u0161i pojistn\u00e9ho pln\u011bn\u00ed si zvol\u00edte. Ze z\u00e1kona je minim\u00e1ln\u00ed limit pojistn\u00e9ho pln\u011bn\u00ed ve v\u00fd\u0161i 50 milion\u016f korun na ka\u017ed\u00e9ho po\u0161kozen\u00e9ho p\u0159i \u00fajm\u011b na zdrav\u00ed nebo usmrcen\u00ed a 50 milion\u016f korun celkem p\u0159i \u0161kod\u011b na majetku bez ohledu na po\u010det po\u0161kozen\u00fdch, u t\u011b\u017ek\u00fdch dopravn\u00edch nehod ale tento limit n\u011bkdy nesta\u010d\u00ed. Sta\u010d\u00ed, kdy\u017e zp\u016fsob\u00edte nehodu, p\u0159i kter\u00e9 se zran\u00ed \u010di zem\u0159e v\u011bt\u0161\u00ed po\u010det osob, nabour\u00e1te do luxusn\u00edho sportovn\u00edho vozu, p\u0159\u00edpadn\u011b se v\u00e1m poda\u0159\u00ed vych\u00fdlit ze sv\u00e9 dr\u00e1hy kamion vezouc\u00ed drah\u00e9 zbo\u017e\u00ed. Po\u0161kozen\u00e9mu<\/a> \u010di po\u0161kozen\u00fdm jste povinni doplatit ze sv\u00e9ho rozd\u00edl mezi pojistn\u00fdm limitem a skute\u010dnou v\u00fd\u0161\u00ed \u0161kody, p\u00e1trejte tedy po nejlevn\u011bj\u0161\u00edm poji\u0161t\u011bn\u00ed s co nejvy\u0161\u0161\u00edmi pojistn\u00fdmi limity.<\/p>\n\n\t

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Spo\u010d\u00edtejte si rychle povinn\u00e9 ru\u010den\u00ed<\/a><\/h2>\n\t
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Povinn\u00e9 ru\u010den\u00ed m\u016f\u017eete
m\u00edt ji\u017e od:<\/p>\n\t

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