{"id":1915,"date":"2023-11-24T12:52:22","date_gmt":"2023-11-24T11:52:22","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=1915"},"modified":"2023-11-24T13:13:32","modified_gmt":"2023-11-24T12:13:32","slug":"co-je-amortizacia","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/co-je-amortizacia\/","title":{"rendered":"\u010cO JE AMORTIZ\u00c1CIA"},"content":{"rendered":"<style>\r\n .player1923  .plyr__controls,\r\n .player1923 .StampAudioPlayerSkin{\r\n  border-radius: px;\r\n  overflow: hidden;\r\n }\r\n .player1923{\r\n  margin: 0 auto; }\r\n .player1923 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player1923 .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:\" class=\"h5ap_standard_player player1923\" \r\n  data-poster=\"\" \r\n  data-skin=\"default\" \r\n  data-title=\"\" \r\n  data-song=\"\" \r\n  data-id=\"1923\" \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;:null,&quot;author&quot;:null,&quot;disableDownload&quot;:false,&quot;fusionDownload&quot;:false,&quot;color&quot;:&quot;skyblue&quot;,&quot;background&quot;:null,&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=\"metadata\" class=\"player1923\" id=\"player1923\">\r\n      <source src=\"\" 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>Amortiz\u00e1cia predstavuje postupn\u00e9 zni\u017eovanie hodnoty majetku vplyvom starnutia a jeho pou\u017e\u00edvania.\u00a0<b>Na v\u00fd\u0161ku amortiz\u00e1cie pri vozidl\u00e1ch\u00a0vpl\u00fdva jeho vek a po\u010det najazden\u00fdch kilometrov.<\/b><\/p>\n<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\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>Ktor\u00e9 pois\u0165ovne uplat\u0148uj\u00fa amortiz\u00e1ciu?<\/h2>\n<p>V r\u00e1mci vlastn\u00e9ho prieskumu sme do viacer\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 poskytuj\u00fa poistenie PZP na na\u0161om \u00fazem\u00ed, zaslali jednoduch\u00fd dotaz, kde sme sa p\u00fdtali, \u010di odpo\u010d\u00edtavaj\u00fa amortiz\u00e1ciu z poistn\u00fdch plnen\u00ed vypl\u00e1can\u00fdch z PZP. Odpovede n\u00e1s zasko\u010dili.<\/p>\n<p>Pod\u013ea vyjadren\u00ed pois\u0165ovn\u00ed, by mali na Slovensku p\u00f4sobi\u0165 iba dve pois\u0165ovne, ktor\u00e9 v dne\u0161nej dobe amortiz\u00e1ciu z povinn\u00e9ho zmluvn\u00e9ho poistenia odpo\u010d\u00edtavaj\u00fa. Porovnajme si v\u0161ak vyjadrenia so skuto\u010dnos\u0165ou.<\/p>\n<p>Pod\u013ea\u00a0UNIQA pois\u0165ovne amortiz\u00e1ciu z plnen\u00ed pri PZP\u00a0<b>neodpo\u010d\u00edtavaj\u00fa<\/b>. Ako ste v\u0161ak mali mo\u017enos\u0165 vidie\u0165, n\u00e1\u0161mu klientovi amortiz\u00e1ciu z PZP pois\u0165ov\u0148a\u00a0<b>odpo\u010d\u00edtala<\/b>.<\/p>\n<p>Allianz \u2013 Slovensk\u00e1 pois\u0165ov\u0148a vyhl\u00e1sila, \u017ee od 1.12.2013 amortiz\u00e1ciu prestane uplat\u0148ova\u0165. Tu sa ale naskyt\u00e1 ot\u00e1zka, \u010di po\u0161koden\u00fdm \u00fa\u010dastn\u00edkom dopravnej nehody pred t\u00fdmto d\u00e1tumom nekr\u00e1tila poistn\u00e9 plnenie o amortiz\u00e1ciu\u00a0<b>neopr\u00e1vnene<\/b>. Predsa v zmysle z\u00e1kona o PZP sa uhr\u00e1dza \u0161koda, ktor\u00e1 po\u0161koden\u00e9mu na jeho vozidle vznikla, pri\u010dom v\u00fd\u0161ka \u0161kody je v\u017edy \u201eiba jedna\u201c a nie je z\u00e1visl\u00e1 od toho, ako sa vedenie pois\u0165ovne rozhodne.<\/p>\n<p>Z vyjadrenia Komun\u00e1lnej pois\u0165ovne vypl\u00fdva, \u017ee amortiz\u00e1ciu z PZP tie\u017e\u00a0<b>neodpo\u010d\u00edtavaj\u00fa<\/b>. Podobn\u00fa odpove\u010f sme dostali aj od pois\u0165ovne Generali a \u010cSOB pois\u0165ovne.<\/p>\n<p>Pre korektnos\u0165 uv\u00e1dzame, \u017ee uveden\u00e1 ot\u00e1zka bola pois\u0165ovniam zaslan\u00e1 v marci 2018, pri\u010dom je mo\u017en\u00e9, \u017ee do dne\u0161n\u00e9ho d\u0148a sa mohli podmienky pois\u0165ovn\u00ed zmeni\u0165.<\/p>\n<h2>Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm<\/h2>\n<p>Aj pri ot\u00e1zke oh\u013eadom amortiz\u00e1cie je rozdiel, \u010di si uplat\u0148ujete \u0161kodu z PZP vinn\u00edka alebo zo svojho havarijn\u00e9ho poistenia. Z PZP sa toti\u017e uhr\u00e1dza \u0161koda v zmysle z\u00e1kona a z havarijn\u00e9ho poistenia iba to, \u010do bolo dohodnut\u00e9 v poistnej zmluve a v zmysle v\u0161eobecn\u00fdch poistn\u00fdch podmienok. Pre viac inform\u00e1ci\u00ed nav\u0161t\u00edvte \u010dl\u00e1nok\u00a0<a href=\"https:\/\/pokus.aider.sk\/en\/ako-sa-vyhnut-amortizacii-pri-plneniach-z-pzp\/\">Ako sa vyhn\u00fa\u0165 amortiz\u00e1ci\u00ed pri plneniach z PZP?<\/a><\/p>\n<h2>\u010co hovor\u00ed na amortiz\u00e1ciu s\u00fadna prax?<\/h2>\n<p>Amortiz\u00e1ciu nie je mo\u017en\u00e9 odpo\u010d\u00edta\u0165 z poistn\u00e9ho plnenia, nako\u013eko po\u0161koden\u00e9mu \u00fa\u010dastn\u00edkovi je tak\u00e1to oprava vn\u00faten\u00e1 a nie je mo\u017en\u00e9 po\u0161koden\u00fa osobu znev\u00fdhod\u0148ova\u0165 t\u00fdm, \u017ee sa na \u0148u prenesie bremeno \u00fahrady \u010dasti n\u00e1kladov. Okrem toho treba poznamena\u0165, \u017ee vozidlo, ktor\u00e9 bolo po\u0161koden\u00e9 a opraven\u00e9, m\u00e1 v\u017edy ni\u017e\u0161iu trhov\u00fa hodnotu, ako vozidlo, ktor\u00e9 po\u0161koden\u00e9 nikdy nebolo. Viac sa do\u010d\u00edtate v \u010dl\u00e1nku\u00a0<a href=\"https:\/\/pokus.aider.sk\/en\/znizenie-hodnoty-vozidla-vplyvom-nehody\/\">Zn\u00ed\u017eenie hodnoty vozidla vplyvom nehody<\/a>.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>V\u00fdnimky<\/h2>\n<p>Mus\u00edme v\u0161ak da\u0165 pois\u0165ovni za pravdu a s\u00fahlasi\u0165 s \u0148ou v pr\u00edpade odpo\u010d\u00edtania amortiz\u00e1cie od poistn\u00e9ho plnenia pri dieloch, ktor\u00e9 podliehaj\u00fa opotrebeniu a s\u00fa takzvan\u00fdm spotrebn\u00fdm materi\u00e1lom vo vozidle. Ako pr\u00edklad m\u00f4\u017eeme uvies\u0165 brzdov\u00e9 platni\u010dky, olej, filtre a podobne. Pri uplat\u0148ovan\u00ed amortiz\u00e1cie treba rozli\u0161ova\u0165 medzi dielmi, ktor\u00e9 sa za cel\u00fa \u017eivotnos\u0165 vozidla nemenia, ako je napr\u00edklad karos\u00e9ria vozidla, a dielmi, ktor\u00e9 sa \u010dasom be\u017ene menia.<\/p>\n<p><b>V pr\u00edpade, ak v\u00e1m pois\u0165ov\u0148a odpo\u010d\u00edtala z poistn\u00e9ho plnenia amortiz\u00e1ciu, dohodnite si s nami bezplatn\u00fa telefonick\u00fa konzult\u00e1ciu e\u0161te dnes a spolo\u010dne sa pozrieme na to, \u010di konala opr\u00e1vnene.<\/b><\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Amortiz\u00e1cia predstavuje postupn\u00e9 zni\u017eovanie hodnoty majetku vplyvom starnutia a jeho pou\u017e\u00edvania.\u00a0Na v\u00fd\u0161ku amortiz\u00e1cie pri vozidl\u00e1ch\u00a0vpl\u00fdva jeho vek a po\u010det najazden\u00fdch [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1289,"comment_status":"open","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 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