{"id":1716,"date":"2023-11-13T19:40:57","date_gmt":"2023-11-13T18:40:57","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=1716"},"modified":"2024-01-23T09:59:14","modified_gmt":"2024-01-23T08:59:14","slug":"technicka-prijatelnost-nehodoveho-deja","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/technicka-prijatelnost-nehodoveho-deja\/","title":{"rendered":"TECHNICK\u00c1 PRIJATE\u013dNOS\u0164 NEHODOV\u00c9HO DEJA"},"content":{"rendered":"<style>\r\n .player1721  .plyr__controls,\r\n .player1721 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player1721{\r\n  margin: 0 auto; }\r\n .player1721 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player1721 .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 player1721\" \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\/11\/ElevenLabs_2023-11-13T18_44_07_Adam_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"1721\" \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=\"player1721\" id=\"player1721\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-13T18_44_07_Adam_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>\u010co znamen\u00e1 t<strong>echnick\u00e1 prijate\u013enos\u0165 nehodov\u00e9ho deja a \u010do sa stane v pr\u00edpade, \u017ee pois\u0165ov\u0148a zamietne poistn\u00e9 plnenie z d\u00f4vodu technickej neprijate\u013enosti?<\/strong><br \/>\u010c\u00edtajte \u010falej a my v\u00e1m porad\u00edme, ako postupova\u0165 a ako v\u00e1m<strong> vieme pom\u00f4c\u0165 my.<\/strong><\/p>\n<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\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>Zamietla v\u00e1m pois\u0165ov\u0148a poistn\u00e9 plnenie?<\/h2>\n<p>Ak likvid\u00e1ciu poistnej udalosti pois\u0165ov\u0148a ukon\u010d\u00ed s od\u00f4vodnen\u00edm, \u017ee poistn\u00e1 udalos\u0165<b> \u201eje z technick\u00e9ho h\u013eadiska neprijate\u013en\u00e1\u201c <\/b>a vraj sa nestala tak, ako uv\u00e1dzate, m\u00f4\u017eete nabra\u0165 pocit, \u017ee v\u00e1s pois\u0165ov\u0148a poklad\u00e1 za podvodn\u00edka.<\/p>\n<p>Va\u0161e rozhor\u010denie je samozrejme na mieste. Pois\u0165ovne zvykn\u00fa pou\u017e\u00edva\u0165 vo svojom stanovisku aj formul\u00e1ciu<b> \u201epo\u0161kodenie vozidla nezodpoved\u00e1 deklarovan\u00e9mu priebehu nehodov\u00e9ho deja\u201c.<\/b><\/p>\n<p>Poistn\u00e1 udalos\u0165 je z technick\u00e9ho h\u013eadiska neprijate\u013en\u00e1 vtedy, ke\u010f sa nestala tak, ako uv\u00e1dza \u0161kodca a po\u0161koden\u00fd. Podmienky technickej prijate\u013enosti nehodov\u00e9ho deja s\u00fa:<\/p>\n<ul>\n<li>kompatibilita (geometrick\u00e1 a energetick\u00e1)<\/li>\n<li>plauzibilita<\/li>\n<\/ul>\n<p>Ni\u017e\u0161ie si vysvetl\u00edme, \u010do oba pojmy predstavuj\u00fa.<\/p>\n<p>Na obr\u00e1zkoch ni\u017e\u0161ie m\u00f4\u017eete vidie\u0165 pr\u00edklady zamietnutia poistn\u00fdch plnen\u00ed. Ak sa aktu\u00e1lne nach\u00e1dzate v rovnakej situ\u00e1cii, m\u00e1me pre v\u00e1s <b>dobr\u00fa spr\u00e1vu<\/b>. Pois\u0165ovne zvykn\u00fa technick\u00fa (ne)prijate\u013enos\u0165 prehodnoti\u0165 na z\u00e1klade dobr\u00fdch d\u00f4kazov a argumentov, tak ako aj v tomto pr\u00edpade (obr\u00e1zok \u010d. 3):<\/p>\n<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\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\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"633\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-1024x633.png\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-1024x633.png 1024w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-300x185.png 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-768x474.png 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-1536x949.png 1536w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-2048x1265.png 2048w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-18x12.png 18w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-1320x816.png 1320w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.37-600x371.png 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"331\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-1024x331.png\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-1024x331.png 1024w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-300x97.png 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-768x248.png 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-1536x496.png 1536w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-2048x661.png 2048w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-18x6.png 18w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-1320x426.png 1320w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.54-600x194.png 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"272\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-1024x272.png\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-1024x272.png 1024w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-300x80.png 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-768x204.png 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-1536x408.png 1536w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-2048x544.png 2048w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-18x5.png 18w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-1320x351.png 1320w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Snimka-obrazovky-2023-11-13-o-19.30.46-600x159.png 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<h2>\u010co t\u00fdm chce pois\u0165ov\u0148a poveda\u0165?<\/h2>\n<p><strong>Najsk\u00f4r p\u00e1r slov k jednotliv\u00fdm pojmom.<\/strong><\/p>\n<ul>\n<li><strong>Energetick\u00e1 kompatibilita<\/strong> nehodov\u00e9ho deja predstavuje po\u0161kodenie na vozidl\u00e1ch (napr. napr\u00edklad deform\u00e1ciu karos\u00e9ri\u00ed oboch vozidiel), ktor\u00e9 nie je mo\u017en\u00e9 dosiahnu\u0165 pri r\u00fdchlosti, ktor\u00fa ud\u00e1va vinn\u00edk a po\u0161koden\u00fd.<\/li>\n<li><strong>Geometrick\u00e1 kompatibilita<\/strong> nehodov\u00e9ho deja zase znamen\u00e1, \u017ee v\u00fd\u0161ka, v akej vznikli po\u0161kodenia na vozidl\u00e1ch, spolu nes\u00favisia. Ke\u010f sa napr\u00edklad osobn\u00e9 vozidlo zraz\u00ed s vysok\u00fdm n\u00e1kladn\u00fdm autom, vznikne po\u0161kodenie na osobnom aute v inej v\u00fd\u0161ke (\u010dasti karos\u00e9rii), ako keby sa zrazili dve osobn\u00e9 aut\u00e1.<\/li>\n<\/ul>\n<p>To, \u017ee pois\u0165ov\u0148a v\u00e1m zamietla n\u00e1rok na poistn\u00e9 plnenie s odvol\u00e1van\u00edm sa na neprijate\u013enos\u0165 nehodov\u00e9ho deja neznamen\u00e1, \u017ee ste chceli pois\u0165ov\u0148u oklama\u0165.<\/p>\n<p>\u00a0<\/p>\n<p>Posudzovan\u00edm technickej prijate\u013enosti nehodov\u00e9ho deja sa zaober\u00e1 oddelenie likvid\u00e1cie poistn\u00fdch udalost\u00ed, pr\u00edpadne in\u00e9 (forenzn\u00e9) oddelenie pois\u0165ovne. Tak\u00e9to sk\u00famanie je vyhodnocovan\u00e9 \u010dastokr\u00e1t iba na z\u00e1klade subjekt\u00edvnych pocitov pracovn\u00edkov, ktor\u00ed v\u0161ak neber\u00fa do \u00favahy, \u017ee napr\u00edklad vozidlo v \u010dase vzniku poistnej udalosti mohlo by\u0165 za\u0165a\u017een\u00e9 (po\u010det os\u00f4b vo vozidle, preprava n\u00e1kladu vo vozidle) a teda z uveden\u00e9ho d\u00f4vodu nesedia v\u00fd\u0161ky po\u0161koden\u00ed na vozidl\u00e1ch.<\/p>\n<h2>Zva\u017eujete s\u00fadny spor s pois\u0165ov\u0148ou?<\/h2>\n<p>Pod\u013ea na\u0161ich intern\u00fdch \u0161tatist\u00edk je d\u013a\u017eka trvania s\u00fadneho sporu o nevyplaten\u00e9 poistn\u00e9 plnenia za rozbit\u00e9 \u010deln\u00e9 sklo\u00a0<strong>a\u017e<\/strong>\u00a0<strong>616 dn\u00ed (skoro 2 roky)<\/strong>.\u00a0V\u00fddavky vynalo\u017een\u00e9 na s\u00fadny spor zo strany po\u0161koden\u00e9ho s\u00fa v priemere<strong>\u00a0260,05 EUR<\/strong>\u00a0(s\u00fadny poplatok a trovy pr\u00e1vneho zast\u00fapenia). Ani pri uplatnen\u00ed svojho n\u00e1roku na s\u00fade \u017eia\u013e nem\u00e1te istotu, \u017ee s\u00fadny spor sa v\u00e1m podar\u00ed vyhra\u0165.<\/p>\n<p>V\u00a0pr\u00edpade prehry s\u00fadneho sporu, budete musie\u0165 okrem vy\u0161\u0161ie uveden\u00fdch n\u00e1kladov zaplati\u0165 aj trovy pr\u00e1vneho zast\u00fapenia protistrany (pois\u0165ovne), ktor\u00e9 s\u00fa v\u00a0rovnakej v\u00fd\u0161ke.<\/p>\n<h2>\u010co robi\u0165 v pr\u00edpade zamietnutia poistn\u00e9ho plnenia?<\/h2>\n<p>V prvom rade v\u00e1m odpor\u00fa\u010dame si <a href=\"https:\/\/pokus.aider.sk\/en\/zabezpecenie-dokazov-pri-parcialnej-skode\/\" target=\"_blank\" rel=\"noopener\"><strong>zabezpe\u010di\u0165 d\u00f4kazy<\/strong><\/a>, ktor\u00e9 s\u00fa z\u00e1kladom pre \u010fal\u0161ie konanie, ktor\u00fdm sa preuk\u00e1\u017ee, \u017ee k poistnej udalosti do\u0161lo tak, ako opisujete.<\/p>\n<p>Zdokumentujte si miesto nehody, k\u013eudne aj dodato\u010dne s odstupom nieko\u013ek\u00fdch t\u00fd\u017ed\u0148ov. Nezab\u00fadajte, \u017ee ako po\u0161koden\u00e1 osoba ste povinn\u00fd preuk\u00e1za\u0165 svoj n\u00e1rok, preto zabezpe\u010dovaniu d\u00f4kazov venujte dostato\u010dn\u00fa pozornos\u0165.<\/p>\n<p>Ak sa nehoda stala v minulosti, vycestujte na miesto, kde k nej do\u0161lo. Vypracujte si <a href=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2024\/01\/VSH.pdf\">fotodokument\u00e1ciu<\/a>\u00a0 v\u0161etk\u00fdch po\u0161koden\u00ed na va\u0161om vozidle a na vozidle, ktor\u00e9 \u0161kodu sp\u00f4sobilo.<\/p>\n<p>Ide\u00e1lne odfoti\u0165 detailn\u00e9 fotky jednotliv\u00fdch po\u0161koden\u00ed z bl\u00edzka a taktie\u017e z dia\u013eky. Spravte si aj fotodokument\u00e1ciu predmetov, ktor\u00e9 boli v mieste nehody po\u0161koden\u00e9, napr\u00edklad dopravn\u00e9 zna\u010dky, kr\u00edky, zvodidl\u00e1, alebo stromy. M\u00f4\u017eete zachyti\u0165 aj stopy brzdnej dr\u00e1hy v tr\u00e1vnat\u00fdch porastoch, ryhy v asfalte, alebo stopy pneumat\u00edk na asfalte.<br \/>Tu v\u0161ak odpor\u00fa\u010dame, aby tak\u00fato fotodokument\u00e1ciu vykonala odborne sp\u00f4sobil\u00e1 osoba, ktor\u00e1 m\u00e1 sk\u00fasenosti s t\u00fdm, \u010do v\u0161etko pre \u010fal\u0161ie konanie proti pois\u0165ovni treba zdokumentova\u0165.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>Pom\u00f4\u017eu v\u00e1m fotky, ktor\u00e9 urobila pois\u0165ov\u0148a?<\/h2>\n<p>Fotodokument\u00e1ciu, ktor\u00fa si vypracovala pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165, no k t\u00fdmto fotk\u00e1m sa nie je \u013eahk\u00e9 dosta\u0165. Fotografie s\u00fa majetkom pois\u0165ovne a vo v\u00e4\u010d\u0161ine pr\u00edpadov v\u00e1m ich na z\u00e1klade \u017eiadosti nepo\u0161le. Nespoliehajte sa tak na to, \u017ee ich m\u00e1 pois\u0165ov\u0148a a rad\u0161ej si ich zabezpe\u010dte sami.<\/p>\n<h2>Na policajn\u00fa spr\u00e1vu sa taktie\u017e nespoliehajte<br \/>\n<\/h2>\n<p>Ak ste privolali pol\u00edciu k miestu nehody, neznamen\u00e1 to automaticky, \u017ee pr\u00ed\u010diny jej vzniku pol\u00edcia aj pre\u0161etrila. Pokia\u013e pol\u00edcia us\u00fadi, \u017ee sa nejedn\u00e1 o dopravn\u00fa nehodu, iba o \u0161kodov\u00fa udalos\u0165, pol\u00edcia nehodu \u010falej <strong>nevy\u0161etruje<\/strong>.<br \/>Tak\u00e1to situ\u00e1cia m\u00f4\u017ee nasta\u0165 ke\u010f \u0161koda na vozidl\u00e1ch nie je vy\u0161\u0161ia ako 3 990 EUR.<br \/>Nako\u013eko bol z\u00e1kon 8\/2009 Z. z. (z\u00e1kon o cestnej prem\u00e1vke) novelizovan\u00fd, u\u017e nie je dopravnou nehodou ani udalos\u0165, kde vznikne \u0161koda vy\u0161\u0161ia ako spom\u00ednan\u00fdch 3990 EUR. <br \/>To znamen\u00e1, \u017ee pol\u00edcia \u010dastokr\u00e1t nem\u00e1 \u017eiadne fotky, nako\u013eko to ani ne\u0161etrili.<br \/>M\u00f4\u017ee sa teda sta\u0165, \u017ee vy vo vedom\u00ed, \u017ee m\u00e1te pol\u00edciou jednozna\u010dne potvrden\u00e9ho vinn\u00edka, uplatn\u00edte si n\u00e1roky proti pois\u0165ovni, ktor\u00e1 v\u0161ak tak\u00e9to \u201epotvrdenie\u201c akceptova\u0165 nebude.<\/p>\n<h2>Ako preuk\u00e1za\u0165 pois\u0165ovni, \u017ee dej nehody je technicky prijate\u013en\u00fd?<\/h2>\n<p>Z na\u0161ej dlhoro\u010dnej sk\u00fasenosti v\u00e1m vieme poveda\u0165, \u017ee to bude ve\u013emi n\u00e1ro\u010dn\u00e9, ak sa rozhodnete tejto situ\u00e1ci\u00ed \u010deli\u0165 na vlastn\u00fa p\u00e4s\u0165. Pois\u0165ovne bez nepriestreln\u00fdch tvrden\u00ed svoje p\u00f4vodn\u00e9 stanovisko nezmenia. M\u00f4\u017ee v\u00e1m v\u0161ak pom\u00f4c\u0165\u00a0<b>znaleck\u00fd posudok<\/b>, ktor\u00fd si viete da\u0165 vypracova\u0165, na z\u00e1klade ktor\u00e9ho pois\u0165ovne vo v\u00e4\u010d\u0161ine pr\u00edpadov svoje stanovisko zmenia a\u00a0uhradia v\u00e1m poistn\u00e9 plnenie.<\/p>\n<p>Tu by sme v\u0161ak radi upozornili, \u017ee nie je znalec ako znalec. Pois\u0165ovne maj\u00fa vlastn\u00fdch extern\u00fdch znalcov a tak v\u00e1m odpor\u00fa\u010dame si vopred zv\u00e1\u017ei\u0165, ktor\u00e9ho si vyberiete. Ak natraf\u00edte pr\u00e1ve na znalca, ktor\u00fd pre pois\u0165ov\u0148u vykon\u00e1va svoju znaleck\u00fa \u010dinnos\u0165, jeho znaleck\u00fd posudok nemus\u00ed by\u0165 pre v\u00e1s pr\u00ednosn\u00fd.<\/p>\n<p>Zamerajte sa rad\u0161ej na\u00a0<b>kvalitu<\/b>, nie na cenu. Iba prec\u00edzne a detailne vypracovan\u00fd znaleck\u00fd posudok znamen\u00e1, \u017ee v\u00e1m pois\u0165ov\u0148a uhrad\u00ed poistn\u00e9 plnenie bez s\u00fadneho sporu, ktor\u00e9ho n\u00e1klady sa m\u00f4\u017eu vy\u0161plha\u0165 aj na nieko\u013eko tis\u00edc eur. <\/p>\n<h2>Ako v\u00e1m vieme pom\u00f4c\u0165?<\/h2>\n<p>M\u00e1me t\u00edm znalcov v\u00a0odbore cestnej dopravy a\u00a0z\u00e1rove\u0148 sa roky \u00faspe\u0161ne \u0161pecializujeme na t\u00fato problematiku.<\/p>\n<p>Zabezpe\u010d\u00edme v\u00e1m odborne vyhotoven\u00fa fotodokument\u00e1ciu vozidla a\u00a0spolu s\u00a0vami zabezpe\u010d\u00edme v\u0161etky potrebn\u00e9 d\u00f4kazy na preuk\u00e1zanie va\u0161ich tvrden\u00ed. Ak to bude nutn\u00e9 jeden z\u00a0na\u0161ich znalcov vypracuje znaleck\u00fd posudok, ktor\u00fd potvrd\u00ed priebeh nehody, ktor\u00fd ste nahl\u00e1sili pois\u0165ovni.\u00a0<\/p>\n<p>Na z\u00e1klade t\u00fdchto d\u00f4kazov vieme vybojova\u0165 pre v\u00e1s v\u00a0pois\u0165ovni doplatenie poistn\u00e9ho plnenia.<\/p>\n<p>Zamietla v\u00e1m pois\u0165ov\u0148a plnenie z\u00a0d\u00f4vodu, \u017ee je technicky neprijate\u013en\u00e9, aby poistn\u00e1 udalos\u0165 vznikla tak ako opisujete? Objednajte si konzult\u00e1ciu svojej poistnej udalosti s\u00a0odborn\u00edkmi v\u00a0danej oblasti a\u00a0krok po kroku v\u00e1s prevedieme a\u017e k\u00a0v\u00fdplate poistn\u00e9ho plnenia zo strany pois\u0165ovne.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>\u010co znamen\u00e1 technick\u00e1 prijate\u013enos\u0165 nehodov\u00e9ho deja a \u010do sa stane v pr\u00edpade, \u017ee pois\u0165ov\u0148a zamietne poistn\u00e9 plnenie z d\u00f4vodu technickej [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1296,"comment_status":"closed","ping_status":"open","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 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-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":"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":""},"mobile":{"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":""}},"footnotes":""},"categories":[46],"tags":[],"class_list":["post-1716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ostatne"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/1716","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/comments?post=1716"}],"version-history":[{"count":0,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/1716\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media\/1296"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}