{"id":5555,"date":"2025-01-03T17:27:40","date_gmt":"2025-01-03T15:27:40","guid":{"rendered":"https:\/\/pokus.aider.sk\/?page_id=5555"},"modified":"2025-01-04T14:14:34","modified_gmt":"2025-01-04T12:14:34","slug":"co-vsetko-mozete-ziadat-preplatit-pri-totalnej-skode","status":"publish","type":"page","link":"https:\/\/pokus.aider.sk\/en\/co-vsetko-mozete-ziadat-preplatit-pri-totalnej-skode\/","title":{"rendered":"\u010co v\u0161etko m\u00f4\u017eete \u017eiada\u0165 preplati\u0165 pri tot\u00e1lnej \u0161kode?"},"content":{"rendered":"<h2>\u010co v\u0161etko m\u00f4\u017eete \u017eiada\u0165 preplati\u0165 pri tot\u00e1lnej \u0161kode?<\/h2>\n<p>V\u00e4\u010d\u0161ina z po\u0161koden\u00fdch os\u00f4b ani len netu\u0161\u00ed, ak\u00e9 v\u0161etky n\u00e1roky m\u00e1 proti pois\u0165ovni pri tot\u00e1lnej \u0161kode, teda \u010do v\u0161etko je pois\u0165ov\u0148a povinn\u00e1 preplati\u0165. Va\u0161e n\u00e1roky proti pois\u0165ovni <strong>nie s\u00fa len vyplatenie hodnoty vozidla<\/strong> za \u00fa\u010delom mo\u017enosti zak\u00fapenia si obdobn\u00e9ho vozidla, od\u0165ah vozidla a\u00a0pod.<\/p>\n<h3>Va\u0161e n\u00e1roky na preplatenie s\u00fa:<\/h3>\n<ul>\n<li>alikvotnej (nevyu\u017eitej) \u010dasti <strong>dia\u013eni\u010dn\u00fdch zn\u00e1mok<\/strong> (nie len SR),<\/li>\n<li>nespotrebovan\u00e9 <strong>poistn\u00e9 na PZP<\/strong> alebo na havarijnom poisten\u00ed,<\/li>\n<li><strong>Spolu\u00fa\u010das\u0165<\/strong> odpo\u010d\u00edtan\u00e1 z\u00a0poistn\u00e9ho plnenia (pri uplat\u0148ovan\u00ed z\u00a0havarijn\u00e9ho poistenia)<\/li>\n<li><strong>parkovacie karty<\/strong> vydan\u00e9 na vozidlo (reziden\u010dn\u00e9 parkovanie, parkovanie pre invalidov at\u010f.),<\/li>\n<li>pri podnikate\u013eoch napr. <strong>da\u0148 z\u00a0motorov\u00fdch vozidiel<\/strong>,<\/li>\n<li>natankovan\u00e9 <strong>PHM<\/strong> vo vozidle<\/li>\n<li>poplatok za <strong>emisn\u00e9 povolenky<\/strong> (najm\u00e4 ak ste s\u00a0vozidlom chodili do zahrani\u010dia)<\/li>\n<li>Poplatky za <strong>zabezpe\u010denie vozidla<\/strong> (napr. GPS monitoring)<\/li>\n<li>Pri elektromobiloch napr. predplatn\u00e9 <strong>karty na dob\u00edjanie<\/strong><\/li>\n<li><strong>Tankovacie karty<\/strong> a\u00a0pod.<\/li>\n<\/ul>\n<p>Okrem vy\u0161\u0161ie uveden\u00fdch polo\u017eiek, m\u00e1te n\u00e1rok aj na zaplatenie tzv. <strong>obstar\u00e1vac\u00edch n\u00e1kladov<\/strong> na nov\u00e9 vozidlo (resp. ojazden\u00e9 vozidlo).<\/p>\n<h4>Obstar\u00e1vac\u00edmi n\u00e1kladmi s\u00fa najm\u00e4:<\/h4>\n<ul>\n<li>Poplatok na dopravnom in\u0161pektor\u00e1te za <strong>vydanie eviden\u010dn\u00fdch \u010d\u00edsel<\/strong><\/li>\n<li><strong>Ekologick\u00fd poplatok<\/strong> (poplatok vypo\u010d\u00edtan\u00fd na z\u00e1klade emisnej normy a\u00a0v\u00fdkonu motora)<\/li>\n<li><strong>Dovoz vozidla<\/strong> zo zahrani\u010dia (doprava, prihl\u00e1senie vozidla na ODI a\u00a0pod.)<\/li>\n<\/ul>\n<p>Samozrejme aj tu plat\u00ed, \u017ee individu\u00e1lne s\u00a0na\u0161imi klientami prech\u00e1dzame cel\u00fa poistn\u00fa udalos\u0165 v\u010faka \u010domu dok\u00e1\u017eeme vym\u00f4c\u0165 od pois\u0165ovne v\u0161etky n\u00e1roky, ktor\u00e9 v\u00e1m pr\u00e1vom patria. Z\u00a0praxe vieme, \u017ee tak\u00e9to n\u00e1roky m\u00f4\u017eu dosahova\u0165 <strong>v\u00a0niektor\u00fdch pr\u00edpadoch aj tis\u00edc eur.<\/strong> <\/p>\n<p>Nedopl\u00e1cajte na \u0161kodu, ktor\u00fa v\u00e1m niekto in\u00fd sp\u00f4sobil. <strong>Povedzte n\u00e1m o\u00a0svojom pr\u00edpade<\/strong> a\u00a0vym\u00f4\u017eeme aj pre v\u00e1s doplatok poistn\u00e9ho plnenia.\t\t<\/p>\n<h3>Kedy je mo\u017en\u00e9 vym\u00e1ha\u0165 doplatok poistn\u00e9ho plnenia za tieto polo\u017eky?<\/h3>\n<p>\u00a0V\u00a0z\u00e1sade <strong>neexistuje \u017eiadne obmedzenie<\/strong>, vy\u0161\u0161ie uveden\u00e9 n\u00e1roky vieme pre v\u00e1s vym\u00f4c\u0165 aj ke\u010f u\u017e:<\/p>\n<ul>\n<li>v\u00e1m pois\u0165ov\u0148a zaslala ozn\u00e1menie, \u017ee \u0161kodu bude likvidova\u0165 ako tot\u00e1lnu \u0161kodu<\/li>\n<li>v\u00e1m pois\u0165ov\u0148a ukon\u010dila likvid\u00e1ciu poistnej udalosti, pr\u00edpadne vyplatila poistn\u00e9 plnenie<\/li>\n<li>ste predali havarovan\u00e9 vozidlo<\/li>\n<li>pois\u0165ov\u0148a v\u00e1m zaslala ozn\u00e1menie, \u017ee z\u00a0ich poh\u013eadu pova\u017euj\u00fa poistn\u00fa udalos\u0165 za vysporiadan\u00fa<\/li>\n<\/ul>\n<p>Jedinou podmienkou je, aby <strong>poistn\u00e1 udalos\u0165 nevznikla pred viac ako 2 roky<\/strong> dozadu.<\/p>\n<p>M\u00e1me \u201ep\u00e1ky\u201c na to, aby pois\u0165ov\u0148a op\u00e4\u0165 poistn\u00fa udalos\u0165 otvorila a\u00a0doplatila aj tak\u00e9to n\u00e1roky.<\/p>\n<h3>Ko\u013eko v\u00e1s to bude st\u00e1\u0165?<\/h3>\n<p>Na\u0161a <strong>odmena je percentu\u00e1lna<\/strong> z\u00a0vymo\u017een\u00e9ho poistn\u00e9ho plnenia. To znamen\u00e1, \u017ee <strong>neplat\u00edte za pos\u00fadenie pr\u00edpadu<\/strong> a neplat\u00edte <strong>\u017eiadne poplatky vopred<\/strong>. Ak sa n\u00e1m nepodar\u00ed vym\u00f4c\u0165 poistn\u00e9 plnenie, ni\u010d ani plati\u0165 nebudete.<\/p>\n<h4>\u00a0<\/h4>\n<h3>\u010co je potrebn\u00e9 pre to urobi\u0165?<\/h3>\n<p>Kontaktujte n\u00e1s bu\u010f telefonicky alebo cez kontaktn\u00fd formul\u00e1r a\u00a0e\u0161te dnes si s\u00a0vami prejdeme va\u0161u poistn\u00fa udalos\u0165 a\u00a0vypo\u010d\u00edtame v\u00e1m, na ak\u00fd doplatok poistn\u00e9ho plnenia pri tot\u00e1lnej \u0161kode m\u00e1te n\u00e1rok.<\/p>\n<p style=\"padding-left: 40px;\">\u00a0<\/p>\n<p style=\"padding-left: 40px;\">\u00a0<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;5011&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>\u010co v\u0161etko m\u00f4\u017eete \u017eiada\u0165 preplati\u0165 pri tot\u00e1lnej \u0161kode? V\u00e4\u010d\u0161ina z po\u0161koden\u00fdch os\u00f4b ani len netu\u0161\u00ed, ak\u00e9 v\u0161etky n\u00e1roky m\u00e1 proti [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-5555","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/pages\/5555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/comments?post=5555"}],"version-history":[{"count":19,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/pages\/5555\/revisions"}],"predecessor-version":[{"id":5725,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/pages\/5555\/revisions\/5725"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=5555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}