{"id":1294,"date":"2023-10-16T11:44:30","date_gmt":"2023-10-16T10:44:30","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=1294"},"modified":"2024-02-04T12:25:05","modified_gmt":"2024-02-04T11:25:05","slug":"co-je-totalna-skoda","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/co-je-totalna-skoda\/","title":{"rendered":"\u010cO JE TOT\u00c1LNA \u0160KODA?"},"content":{"rendered":"<style>\r\n .player2465  .plyr__controls,\r\n .player2465 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player2465{\r\n  margin: 0 auto; }\r\n .player2465 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player2465 .plyr__controls {\r\n   overflow: visible;\r\n }\r\n <\/style>\r\n<div class=\"skin_default\" id=\"skin_default\">\r\n  <div style=\"width:100%;--plyr-color-bg:#333\" class=\"h5ap_standard_player player2465\" \r\n  data-poster=\"https:\/\/pokus.aider.sk\/wp-content\/plugins\/html5-audio-player\/shortcode\/player\/sticky-default.jpg\" \r\n  data-skin=\"default\" \r\n  data-title=\"Audio Title\" \r\n  data-song=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/12\/ElevenLabs_2023-12-09T13_02_25_Bella_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"2465\" \r\n  data-options='{&quot;controls&quot;:[&quot;play&quot;,&quot;progress&quot;,&quot;duration&quot;,&quot;mute&quot;,&quot;volume&quot;,&quot;settings&quot;],&quot;seekTime&quot;:10,&quot;skin&quot;:&quot;default&quot;,&quot;title&quot;:&quot;Audio Title&quot;,&quot;author&quot;:&quot;Author Name&quot;,&quot;disableDownload&quot;:false,&quot;fusionDownload&quot;:true,&quot;color&quot;:&quot;skyblue&quot;,&quot;background&quot;:&quot;#333&quot;,&quot;repeat&quot;:false,&quot;type&quot;:&quot;opt-1&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;disablePause&quot;:false,&quot;startTime&quot;:0}'>\r\n    <audio  playsinline preload=\"auto\" class=\"player2465\" id=\"player2465\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/12\/ElevenLabs_2023-12-09T13_02_25_Bella_pre_s50_sb75_se0_b_m2.mp3\" type=\"audio\/mp3\">\r\n        Your browser does not support the audio element.\r\n    <\/audio>\r\n          <div class=\"h5ap_lp\">\r\n        <div class=\"bar bar-1\"><\/div>\r\n        <div class=\"bar bar-1\"><\/div>\r\n      <\/div>\r\n      <\/div>\r\n<\/div>\n<p style=\"text-align: center;\">Audio \u00favod vegenerovan\u00fd pomocou AI<\/p>\n<p><strong>Mali ste nehodu a pois\u0165ov\u0148a v\u00e1m uznala \u0161kodu na vozidle ako tot\u00e1lnu \u0161kodu? \u010co to pre v\u00e1s znamen\u00e1?<\/strong>\u00a0\u00a0V tomto \u010dl\u00e1nku sa do\u010d\u00edtate \u010do tot\u00e1lna \u0161koda je, ako spr\u00e1vne vypo\u010d\u00edta\u0165 v\u00fd\u0161ku poistn\u00e9ho plnenia, \u010do robi\u0165 ak chcete da\u0165 vozidlo opravi\u0165\u00a0 \u010di ak v\u00e1m pois\u0165ov\u0148a stanovila n\u00edzku v\u0161eobecn\u00fa hodnotu, ako viete z\u00edska\u0165 za svoj vrak vozidla viac pe\u0148az\u00ed, ak\u00e9 s\u00fa va\u0161e n\u00e1roky, \u010di ako v\u00e1m vieme pom\u00f4c\u0165 ak v\u00e1m pois\u0165ov\u0148a odmietla\/kr\u00e1tila uhradenie poistn\u00e9ho plnenia.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\n<h2>Tot\u00e1lna \u0161koda<\/h2>\n<p>Vysvetl\u00edme si najprv pojem tot\u00e1lna \u0161koda. Pri likvid\u00e1cii poistnej udalosti na vozidle v\u00e1m \u0161koda na aute m\u00f4\u017ee by\u0165 uznan\u00e1 bu\u010f ako\u00a0tot\u00e1lna, alebo\u00a0\u010diastkov\u00e1 (parci\u00e1lna). Ak \u0161koda na aute bola pois\u0165ov\u0148ou uznan\u00e1 ako tot\u00e1lna \u0161koda, znamen\u00e1 to, \u017ee oprava by bola drah\u0161ia, ako hodnota samotn\u00e9ho vozidla pred poistnou udalos\u0165ou.<\/p>\n<h2>Pr\u00edklad <\/h2>\n<p>Na 15 rokov starej \u0160kode Octavii v hodnote 1500\u20ac je prelia\u010den\u00e1 kapota a odtrhnut\u00fd n\u00e1razn\u00edk. N\u00e1klady na opravu tejto \u0161kody s\u00fa v hodnote 2300\u20ac. Napriek tomu, \u017ee vozidlo je pojazdn\u00e9 a funk\u010dn\u00e9, pois\u0165ov\u0148a ho vyhodnot\u00ed na tot\u00e1lnu \u0161kodu, preto\u017ee ide o<strong> neekonomick\u00fa opravu.<\/strong><\/p>\n<p>Pri v\u00fd\u0161ke tot\u00e1lnej \u0161kody, teda pois\u0165ov\u0148a najsk\u00f4r vypo\u010d\u00edta hodnotu vozidla v \u010dase vzniku poistnej udalosti, takzvan\u00fa<a href=\"https:\/\/pokus.aider.sk\/en\/vypocet-vseobecnej-hodnoty-vozidla-pri-totalnej-skode\/\"> v\u0161eobecn\u00fa hodnotu vozidla<\/a> . N\u00e1sledne od tejto sumy pois\u0165ov\u0148a odpo\u010d\u00edta hodnotu vraku vozidla, \u010di\u017ee hodnotu <a href=\"https:\/\/pokus.aider.sk\/en\/ako-poistovne-urcuju-hodnotu-zvyskov-vozidla-pri-totalnej-skode\/\">pou\u017eite\u013en\u00fdch zvy\u0161kov vozidla.<\/a><\/p>\n<p>\u00a0<\/p>\n<p>V pr\u00edpade, ak si uplat\u0148ujete poistn\u00e9 plnenie z havarijn\u00e9ho poistenia, bude v\u00e1m odpo\u010d\u00edtan\u00e1 aj hodnota spolu\u00fa\u010dasti.<\/p>\n<p>V niektor\u00fdch pr\u00edpadoch v\u00e1m pois\u0165ov\u0148a uhrad\u00ed aj n\u00e1klady na obstaranie nov\u00e9ho vozidla, teda n\u00e1klady spojen\u00e9 s k\u00fapou nov\u00e9ho, respekt\u00edve ojazden\u00e9ho vozidla.<\/p>\n<h2>\u010co je to v\u0161eobecn\u00e1 hodnota vozidla?<\/h2>\n<p>Pri tot\u00e1lnej \u0161kode sa v\u00e1m m\u00e1 dosta\u0165 plnenie v takej v\u00fd\u0161ke, \u017ee si za vyplaten\u00e9 poistn\u00e9 plnenie a predaj vraku vozidla dok\u00e1\u017eete zak\u00fapi\u0165 <strong>rovnak\u00e9 vozidlo v nepo\u0161kodenom stave<\/strong>, teda vozidlo rovnakej zna\u010dky, motoriz\u00e1cie, objemu motora, s pribli\u017ene rovnak\u00fdm stavom najazden\u00fdch kilometrov a v\u00fdbavou. Pois\u0165ovne pred t\u00fdm odpo\u010d\u00edtaj\u00fa zostatkov\u00fa hodnotu vraku vozidla, ktor\u00fd je mo\u017en\u00e9 spe\u0148a\u017ei\u0165, tak\u017ee rovnak\u00e9 vozidlo si budete m\u00f4c\u0165 zak\u00fapi\u0165 a\u017e po odpredan\u00ed t\u00fdchto pou\u017eite\u013en\u00fdch zvy\u0161kov.<\/p>\n<p>V pr\u00edpade ak nes\u00fahlas\u00edte s v\u00fd\u0161kou v\u0161eobecnej hodnoty ktor\u00fa stanovila pois\u0165ov\u0148a, kontaktujte n\u00e1s a my zist\u00edme jej skuto\u010dn\u00fa hodnotu, a doplatok vym\u00f4\u017eeme od pois\u0165ovne na na\u0161e n\u00e1klady.<\/p>\n<h2>\u010co s\u00fa to pou\u017eite\u013en\u00e9 zvy\u0161ky?<\/h2>\n<p>Ide o zvy\u0161ky vozidla (vrak), ktor\u00e9 maj\u00fa e\u0161te ur\u010dit\u00fa zostatkov\u00fa hodnotu. Tie ost\u00e1vaj\u00fa vo vlastn\u00edctve po\u0161koden\u00e9ho, no je potrebn\u00e9 si uvedomi\u0165, \u017ee klient po\u0161koden\u00fd poistnou udalos\u0165ou, nem\u00e1 \u010dasto mo\u017enos\u0165 vyu\u017ei\u0165 tak\u00e9to zvy\u0161ky.\u00a0<\/p>\n<p>Pois\u0165ovne ur\u010duj\u00fa hodnotu vraku vozidla dvomi met\u00f3dami:<\/p>\n<ul>\n<li>odhadom likvid\u00e1tora<\/li>\n<li>dra\u017ebou vozidla<\/li>\n<\/ul>\n<p>Naj\u010dastej\u0161ie v\u0161ak\u00a0vyu\u017e\u00edvaj\u00fa\u00a0 pri tot\u00e1lnych \u0161kod\u00e1ch online dra\u017ebu, t\u00e1 pozost\u00e1va z\u00a0tzv.\u00a0priekupn\u00edkov a t\u00ed v dra\u017ebe pon\u00fakaj\u00fa sumy za vrak vozidla, pri\u010dom najvy\u0161\u0161ia vyhr\u00e1va. N\u00e1sledne pois\u0165ov\u0148a odpo\u010d\u00edta t\u00fato sumu, ako pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla, pri\u010dom ide o cenu, ktor\u00e1 zodpoved\u00e1 vraku vozidla.<\/p>\n<p>Na\u0161i klienti v\u0161ak uprednost\u0148uj\u00fa vydra\u017eenie prostredn\u00edctvom na\u0161ej <a href=\"https:\/\/pokus.aider.sk\/en\/drazba-vozidiel\/\">AIDER dra\u017eby,<\/a> kde vedia z\u00edska\u0165 za vrak vozidla a\u017e do 40% viac ako pri dra\u017ebe pois\u0165ovne.\u00a0<\/p>\n<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\n<p>\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1.jpeg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1.jpeg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-300x300.jpeg 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-150x150.jpeg 150w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-12x12.jpeg 12w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-100x100.jpeg 100w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1.jpeg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1.jpeg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-300x300.jpeg 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-150x150.jpeg 150w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-12x12.jpeg 12w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-100x100.jpeg 100w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<p>\u00a0S\u00a0predajom havarovan\u00e9ho vozidla (a to aj za predpokladu, \u017ee vyu\u017eijete sprostredkovan\u00fd kontakt od pois\u0165ovne) je spojen\u00fdch mnoho riz\u00edk, na ktor\u00e9 m\u00f4\u017eete \u010dasom doplati\u0165 a preto odpor\u00fa\u010dame<strong> by\u0165 mimoriadne opatrn\u00fd.<\/strong><\/p>\n<p>N\u00e1strahy a\u00a0postup, ako zn\u00ed\u017ei\u0165 riziko probl\u00e9mov pri predaji havarovan\u00e9ho vozidla sme podrobne rozoberali v\u00a0\u010dl\u00e1nku<a href=\"https:\/\/pokus.aider.sk\/en\/nastrahy-pri-predaji-havarovaneho-vozidla-cez-poistovnu\/\"> n\u00e1strahy pri predaji havarovan\u00e9ho vozidla cez pois\u0165ov\u0148u.<\/a><\/p>\n<h2>NES\u00daHLAS\u00cdTE S TOT\u00c1LNOU \u0160KODOU A CHCETE VOZIDLO OPRAVI\u0164?<\/h2>\n<p>Kontaktujte n\u00e1s, a\u00a0my v\u00e1m povieme, \u010di je mo\u017en\u00e9 vozidlo opravi\u0165 a\u00a0\u017eiada\u0165 pois\u0165ov\u0148u o\u00a0prehodnotenie tot\u00e1lnej \u0161kody.<\/p>\n<p>Ak to je mo\u017en\u00e9, vozidlo v\u00e1m zadarmo oprav\u00edme v <a href=\"https:\/\/pokus.aider.sk\/en\/ake-su-nevyhody-zmluvnych-servisov\/\">niektorom z na\u0161ich servisov<\/a>, poskytneme v\u00e1m <a href=\"https:\/\/pokus.aider.sk\/en\/nahradne-vozidlo-clanok\/\">n\u00e1hradn\u00e9 vozidlo<\/a>, a\u00a0situ\u00e1ciu dorie\u0161ime v\u00a0pois\u0165ovni za v\u00e1s<\/p>\n<h2>Va\u0161e n\u00e1roky<\/h2>\n<p>Ako po\u0161koden\u00e1 osoba, m\u00e1te pri tot\u00e1lnej \u0161kode n\u00e1rok si prenaja\u0165\u00a0<a href=\"https:\/\/pokus.aider.sk\/en\/prenajom-nahradneho-vozidla-pri-totalnej-skode\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>n\u00e1hradn\u00e9 vozidlo<\/strong><\/a>, ktor\u00e9 v\u00e1m je pois\u0165ov\u0148a povinn\u00e1 preplati\u0165. D\u013a\u017eka pren\u00e1jmu a typ zapo\u017ei\u010dan\u00e9ho vozidla by pois\u0165ov\u0148a mala akceptova\u0165. Z\u00e1le\u017e\u00ed to v\u0161ak od toho, \u010di je \u0161koda rie\u0161en\u00e1 z PZP vinn\u00edka alebo z v\u00e1\u0161ho havarijn\u00e9ho poistenia.<\/p>\n<p>Pois\u0165ov\u0148a je v\u00e1m povinn\u00e1 preplati\u0165 aj \u010fal\u0161ie n\u00e1roky. Do tejto kateg\u00f3rie patria n\u00e1roky na dia\u013eni\u010dn\u00fa zn\u00e1mku, ktor\u00fa u\u017e nebudete m\u00f4c\u0165 vyu\u017e\u00edva\u0165, nespotrebovan\u00e1 \u010das\u0165 havarijn\u00e9ho poistenia, PZP, pr\u00edpadne aj celoro\u010dn\u00e9 predplatn\u00e9 za parkovacie miesto, ktor\u00e9 je naviazan\u00e9 na po\u0161koden\u00e9 vozidlo. Taktie\u017e je pois\u0165ov\u0148a povinn\u00e1 preplati\u0165 n\u00e1klady za uskladnenie vraku vozidla v servise, ak od v\u00e1s bude servis \u017eiada\u0165 \u00fahradu za parkovn\u00e9.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Ak v\u00e1m pois\u0165ov\u0148a vyplatila v\u0161etko, na \u010do m\u00e1te zo z\u00e1kona n\u00e1rok, v\u00fdsledn\u00e1 v\u00fd\u0161ka poistn\u00e9ho plnenia by mala vyzera\u0165 zhruba takto:<\/strong><\/p>\n<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 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.elementor-divider__element{margin-inline-start:0}.elementor-widget-divider--element-align-end .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-end .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-end .elementor-divider__element{margin-inline-end:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\n<p>V\u0161eobecn\u00e1 hodnota vozidla<\/p>\n<p style=\"text-align: center;\">10 000 EUR<\/p>\n<p>Pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla (vrak)<\/p>\n<p style=\"text-align: center;\">\u2013 2 150 EUR<\/p>\n<p>N\u00e1klady na obstaranie nov\u00e9ho vozidla<\/p>\n<p style=\"text-align: center;\">365 EUR<\/p>\n<p>N\u00e1hradn\u00e9 vozidlo<\/p>\n<p style=\"text-align: center;\">960 EUR<\/p>\n<h5>Poistn\u00e9 plnenie<\/h5>\n<p style=\"text-align: center;\"><strong>\u00a09 825 EUR<\/strong><\/p>\n<h2>Tot\u00e1lna \u0161koda nemus\u00ed by\u0165 tot\u00e1lna smola!<\/h2>\n<p>Pokia\u013e pois\u0165ov\u0148a rozhodla, \u017ee vo va\u0161om pr\u00edpade je vozidlo tot\u00e1lne po\u0161koden\u00e9,<b> nev\u00e1hajte n\u00e1s \u010do najsk\u00f4r kontaktova\u0165<\/b>, dohliadneme na to, aby sa <b>nestalo<\/b>, \u017ee v\u00fd\u0161ka tot\u00e1lnej \u0161kody nebude vypo\u010d\u00edtan\u00e1 spr\u00e1vne a v\u00e1m tak <b>pois\u0165ov\u0148a uhrad\u00ed <\/b>menej ako by mala.<\/p>\n<p>V pr\u00edpade ak sa tak u\u017e stalo, tak nemus\u00edte z\u00fafa\u0165, odborn\u00fdm znaleck\u00fdm <b>posudkom dok\u00e1\u017eeme, ak\u00e1 je skuto\u010dn\u00e1&nbsp; v\u0161eobecn\u00e1 hodnota<\/b> v\u00e1\u0161ho vozidla a <b>zabezpe\u010d\u00edme aby ju pois\u0165ov\u0148a sp\u00e4tne uhradila.<\/b><\/p>\n<p>Ak m\u00e1te pocit, \u017ee va\u0161e<b> vozidlo<\/b> nie je po\u0161koden\u00e9 nato\u013eko aby i\u0161lo o tot\u00e1lnu \u0161kodu, ale je mo\u017en\u00e9 ho <b>opravi\u0165,<\/b> situ\u00e1ciu prever\u00edme a n\u00e1sledne vozidlo <b>oprav\u00edme<\/b> a zabezpe\u010d\u00edme&nbsp; v pois\u0165ovni <b>prehodnotenie tot\u00e1lnej \u0161kody.<\/b><\/p>\n<p>Ka\u017ed\u00e1 situ\u00e1cia je rie\u0161ite\u013en\u00e1 a preto tot\u00e1lna \u0161koda, nie je v\u017edy aj tot\u00e1lnou smolou.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vegenerovan\u00fd pomocou AI Mali ste nehodu a pois\u0165ov\u0148a v\u00e1m uznala \u0161kodu na vozidle ako tot\u00e1lnu \u0161kodu? \u010co to [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1305,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","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":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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