{"id":1959,"date":"2023-11-24T13:41:51","date_gmt":"2023-11-24T12:41:51","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=1959"},"modified":"2024-01-23T09:46:26","modified_gmt":"2024-01-23T08:46:26","slug":"ake-su-formy-preplatenia-parcialnej-skody","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/ake-su-formy-preplatenia-parcialnej-skody\/","title":{"rendered":"AK\u00c9 SU FORMY PREPLATENIA PARCI\u00c1LNEJ \u0160KODY"},"content":{"rendered":"<style>\r\n .player1966  .plyr__controls,\r\n .player1966 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player1966{\r\n  margin: 0 auto; }\r\n .player1966 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player1966 .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 player1966\" \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_2023-11-28T09_47_43_Bella_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"1966\" \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=\"player1966\" id=\"player1966\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-28T09_47_43_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><b>V pr\u00edpade, \u017ee je \u0161koda na aute ozna\u010den\u00e1 ako\u00a0<\/b><a href=\"https:\/\/pokus.aider.sk\/en\/co-je-parcialna-skoda\/\"><b>parci\u00e1lna \u0161koda<\/b><\/a><b>,\u00a0pois\u0165ov\u0148a\u00a0v\u00e1m povo\u013euje opravu vozidla.<\/b><\/p>\n<p><b>V\u00a0tomto \u010dl\u00e1nku si povieme, <\/b>\u010di si dok\u00e1\u017eete da\u0165 preplati\u0165 poistn\u00e9 plnenie viacer\u00fdmi sp\u00f4sobmi, ak\u00e9 s\u00fa rozdiely medzi jednotliv\u00fdmi formami aj vzh\u013eadom na to, \u010di ide o\u00a0PZP alebo havarijn\u00e9 poistenie, \u010di ktor\u00e1 z foriem je najbe\u017enej\u0161ia,<\/p>\n<p>Na z\u00e1ver v\u00e1m povieme ako sa <b>vyhn\u00fa\u0165 v\u0161etk\u00fdm n\u00e1strah\u00e1m<\/b> t\u00fdm, \u017ee si d\u00e1te vozidlo <b>opravi\u0165 u\u00a0n\u00e1s<\/b>\u00a0 a\u00a0navy\u0161e bezplatne.<\/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>\u00dahrada poistn\u00e9ho plnenia formou rozpo\u010dtu<\/h2>\n<p>Pri forme \u00fahrady poistn\u00e9ho plnenia\u00a0<b>rozpo\u010dtom<\/b>\u00a0v\u00e1m pois\u0165ov\u0148a vypo\u010d\u00edta n\u00e1klady na opravu prostredn\u00edctvom svojho kalkula\u010dn\u00e9ho syst\u00e9mu. T\u00fato vykalkulovan\u00fa \u010diastku v\u00e1m n\u00e1sledne vyplat\u00ed. Z na\u0161ich dlhoro\u010dn\u00fdch sk\u00fasenost\u00ed vieme, \u017ee <b>vypo\u010d\u00edtan\u00e1 suma<\/b> poistn\u00e9ho plnenia formou rozpo\u010dtu b\u00fdva <b>zhruba polovi\u010dn\u00e1<\/b> oproti n\u00e1kladom na opravu v autorizovanom servise.<\/p>\n<h2>Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm pri plnen\u00ed formou rozpo\u010dtu<\/h2>\n<p>Je rozdiel medzi poistn\u00fdm plnen\u00edm formou rozpo\u010dtu z PZP a medzi t\u00fdm z havarijn\u00e9ho poistenia. V z\u00e1sade plat\u00ed, \u017ee v oboch pr\u00edpadoch v\u00e1m pois\u0165ov\u0148a vyplat\u00ed poistn\u00e9 plnenie, ktor\u00e9 je kalkulovan\u00e9 pod\u013ea neorigin\u00e1lnych dielov a pr\u00e1ce za normohodinu vo v\u00fd\u0161ke 10 EUR \u2013 20 EUR.<\/p>\n<p>Pri PZP sa v\u0161ak\u00a0<a href=\"https:\/\/pokus.aider.sk\/en\/plnenie-rozpoctom-ako-ziskat-viac-o-100-200\/\" target=\"_blank\" rel=\"noopener\">m\u00f4\u017eete dom\u00e1ha\u0165 doplatku poistn\u00e9ho plnenia<\/a>, pri\u010dom z havarijn\u00e9ho poistenia\u00a0nie. Je to dan\u00e9 t\u00fdm, \u017ee z PZP sa uhr\u00e1dza po\u0161koden\u00e9mu skuto\u010dn\u00e1 \u0161koda, ktor\u00e1 predstavuje n\u00e1klady na opravu v autorizovanom servise, za pou\u017eitia origin\u00e1lnych n\u00e1hradn\u00fdch dielov.<\/p>\n<p>Na druh\u00fa stranu, z havarijn\u00e9ho poistenia sa uhr\u00e1dza to, \u010do m\u00e1te dojednan\u00e9 vo v\u0161eobecn\u00fdch poistn\u00fdch podmienkach. Zv\u00e4\u010d\u0161a je uveden\u00e9, \u017ee n\u00e1rok na \u00fahradu formou rozpo\u010dtu mus\u00ed pois\u0165ovate\u013e vopred schv\u00e1li\u0165 a uhrad\u00ed plnenie vo v\u00fd\u0161ke, ak\u00e9 je v podmienkach uveden\u00e9.\u00a0<\/p>\n<p>Av\u0161ak, nako\u013eko m\u00e1 ka\u017ed\u00e1 z pois\u0165ovn\u00ed vlastn\u00e9 poistn\u00e9 podmienky, nie je mo\u017en\u00e9 pri havarijnom poisten\u00ed dopredu ur\u010di\u0165, ko\u013eko v\u00e1m formou rozpo\u010dtu uhradia.<\/p>\n<h2>\u00dahrada plnenia formou krycieho listu<\/h2>\n<p>Najbe\u017enej\u0161\u00ed sp\u00f4sob \u00fahrady plnenia je pr\u00e1ve formou\u00a0<b>krycieho listu<\/b>. V ide\u00e1lnej situ\u00e1cii odovzd\u00e1te vozidlo do servisu, ten v\u0161etko odkomunikuje s pois\u0165ov\u0148ou, oprav\u00ed \u0161kodu na vozidle a vystav\u00ed kryc\u00ed list. N\u00e1sledne je poistn\u00e9 plnenie vyplaten\u00e9 priamo servisn\u00e9mu stredisku.<\/p>\n<p>Av\u0161ak, aj tu sa m\u00f4\u017eu <b>vyskytn\u00fa\u0165 probl\u00e9my<\/b> a to aj pri uplat\u0148ovan\u00ed z PZP, aj pri havarijnom poisten\u00ed. M\u00f4\u017ee sa napr\u00edklad sta\u0165, \u017ee <b>pois\u0165ov\u0148a odmietne rozsah opravy<\/b> vozidla, alebo zn\u00ed\u017ei poistn\u00e9 plnenie, napr\u00edklad v pr\u00edpade predch\u00e1dzaj\u00faceho po\u0161kodenia na dieloch. Kryc\u00ed list je tak vystaven\u00fd na ni\u017e\u0161iu sumu, ako re\u00e1lna cena opravy. <b>Tento rozdiel mus\u00edte zaplati\u0165 vy <\/b>ako po\u0161koden\u00e1 osoba, aby v\u00e1m servis vydal vozidlo. N\u00e1sledne sa mus\u00edte v pois\u0165ovni dom\u00e1ha\u0165 k doplateniu poistn\u00e9ho plnenia. Taktie\u017e sa m\u00f4\u017ee sta\u0165, \u017ee pois\u0165ov\u0148a neuhrad\u00ed ni\u010d a zamietne n\u00e1roky v plnom rozsahu, napr\u00edklad z d\u00f4vodu\u00a0<a href=\"https:\/\/pokus.aider.sk\/en\/technicka-prijatelnost-nehodoveho-deja\/\">technickej neprijate\u013enosti nehodov\u00e9ho deja<\/a>.<\/p>\n<p>Odpor\u00fa\u010dame v\u00e1m najprv overi\u0165 si zaplatenie opravy pois\u0165ov\u0148ou predt\u00fdm, ne\u017e sa zah\u00e1ji zo strany servisu.<\/p>\n<p>\u00a0<\/p>\n<h2>Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm pri plnen\u00ed formou krycieho listu<\/h2>\n<p>Aj pri krycom liste plat\u00ed, \u017ee je rozdiel \u010di poistn\u00e9 plnenie bude uhr\u00e1dzan\u00e9 z <b>PZP<\/b> alebo z havarijn\u00e9ho poistenia. Pri PZP vypl\u00fdvaj\u00fa va\u0161e n\u00e1roky na v\u00fd\u0161ku poistn\u00e9ho plnenia zo z\u00e1kona. Pod\u013ea aktu\u00e1lnych pr\u00e1vnych predpisov m\u00e1te n\u00e1rok na \u00fahradu plnenia a\u017e do <b>v\u00fd\u0161ky skuto\u010dnej \u0161kody<\/b>. Mali by v\u00e1m teda by\u0165 preplaten\u00e9 v\u0161etky n\u00e1klady, ktor\u00e9 ste mali spojen\u00e9 s odstr\u00e1nen\u00edm n\u00e1sledkov \u0161kodovej udalosti a to bez oh\u013eadu na to, kto v\u00e1m opravu realizoval.<\/p>\n<p>Pri <b>havarijnom poisten\u00ed<\/b> plat\u00ed, \u017ee kryc\u00ed list je vystaven\u00fd v zmysle prisl\u00fachaj\u00facich <b>v\u0161eobecn\u00fdch poistn\u00fdch podmienok<\/b> platn\u00fdch k zmluve, v ktor\u00fdch m\u00f4\u017eu by\u0165 definovan\u00e9 jednotliv\u00e9 sadzby za jednotliv\u00e9 \u00fakony. Jedn\u00e1 sa najm\u00e4 o sadzby za normohodinu pr\u00e1ce, ktor\u00e1 je rozdielna pre zmluvn\u00e9 servisy a pre nezmluvn\u00e9 servisy.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>\u00dahrada plnenia formou fakt\u00fary<\/h2>\n<p><b>Najmenej<\/b> vyu\u017e\u00edvan\u00e1 forma \u00fahrady poistn\u00e9ho plnenia je formou\u00a0<b>fakt\u00fary<\/b>. V tomto pr\u00edpade zaplat\u00edte servisu za vykonan\u00fa opravu a n\u00e1sledne fakt\u00faru predlo\u017e\u00edte pois\u0165ovni na \u00fahradu. Aj tu v\u0161ak m\u00f4\u017eu nasta\u0165 probl\u00e9my a tie\u017e je rozdiel, \u010di si uplat\u0148ujete n\u00e1hradu z PZP alebo zo svojho havarijn\u00e9ho poistenia. V princ\u00edpe plat\u00ed, \u017ee m\u00e1te rovnak\u00e9 n\u00e1roky na poistn\u00e9 plnenie, \u010di u\u017e sa rozhodnete pre kryc\u00ed list alebo pre fakt\u00faru.<\/p>\n<p>Pri krycom liste <b>riskujete to<\/b>, \u017ee ak <b>pois\u0165ov\u0148a neuhrad\u00ed cel\u00fa sumu<\/b> servisu, <b>vozidlo <\/b>s\u00edce budete ma\u0165 opraven\u00e9, no <b>nevydaj\u00fa<\/b>\u00a0v\u00e1m ho zo servisu, \u010di\u017ee ho nebudete m\u00f4c\u0165 vyu\u017e\u00edva\u0165.<\/p>\n<p>Ak sa rozhodnete pre <b>fakt\u00faru<\/b>, zaplat\u00edte ju servisu vy, servis v\u00e1m vozidlo vyd\u00e1 a vy ho m\u00f4\u017eete n\u00e1sledne vyu\u017e\u00edva\u0165. <b>Riskujete v\u0161ak, \u017ee v\u00e1m pois\u0165ov\u0148a nepreplat\u00ed fakt\u00faru<\/b> v plnej v\u00fd\u0161ke, pr\u00edpadne z nej\u00a0neuhrad\u00ed \u010das\u0165.<\/p>\n<h2>Ako sa vyhn\u00fa\u0165 nepreplateniu opravy zo strany pois\u0165ovne?<br \/>\n<\/h2>\n<p>Rie\u0161en\u00edm pre v\u00e1s je, ak si d\u00e1te opravi\u0165 vozidlo v jednom z na\u0161ich autoservisov \u00a0kde sa vyhnete plateniu a\u00a0n\u00e1sledn\u00e9mu dom\u00e1haniu sa o\u00a0preplatenie v\u00a0pois\u0165ovni.<\/p>\n<p>My va\u0161e vozidlo oprav\u00edme bez platenia, poskytneme v\u00e1m <a href=\"https:\/\/pokus.aider.sk\/en\/nahradne-vozidlo\/\">n\u00e1hradn\u00e9 vozidlo.<\/a>\u00a0taktie\u017e bez platenia, a\u00a0n\u00e1sledne si cel\u00fa vec na vlastn\u00e9 n\u00e1klady a\u00a0zodpovednos\u0165 dorie\u0161ime s\u00a0pois\u0165ov\u0148ou.<\/p>\n<p>V\u00a0pr\u00edpade, ak u\u017e vozidlo opraven\u00e9 m\u00e1te, a\u00a0pois\u0165ov\u0148a v\u00e1m kr\u00e1tila\u00a0 \u010di zamietla poistn\u00e9 plnenie, situ\u00e1ciu vyrie\u0161ime za v\u00e1s a\u00a0zariadime, aby pois\u0165ov\u0148a doplatila \u010do v\u00e1m patr\u00ed.<\/p>\n<p>Zanechajte n\u00e1m v\u00e1\u0161 kontakt alebo n\u00e1s kontaktujte priamo a poskytneme v\u00e1m rie\u0161enia.<\/p>\n<h2>Zanechajte n\u00e1m kontakt !<\/h2>\n<form id=\"forminator-module-2417\" class=\"forminator-custom-form forminator-custom-form-2417\" method=\"post\" data-forminator-render=\"0\" data-uid=\"6a0b1d7034be5\" action=\"\"><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<h2>Zavolajte alebo nap\u00ed\u0161te n\u00e1m!<\/h2>\n<h2><a href=\"tel: 421948878717\">+421 948 87 87 17<\/a><\/h2>\n<h2><a href=\"mailto:info@aider.sk\">info@aider.sk<\/a><\/h2>","protected":false},"excerpt":{"rendered":"<p>V pr\u00edpade, \u017ee je \u0161koda na aute ozna\u010den\u00e1 ako\u00a0parci\u00e1lna \u0161koda,\u00a0pois\u0165ov\u0148a\u00a0v\u00e1m povo\u013euje opravu vozidla. V\u00a0tomto \u010dl\u00e1nku si povieme, \u010di si dok\u00e1\u017eete [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1187,"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":[44],"tags":[],"class_list":["post-1959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parcialna-skoda"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/1959","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=1959"}],"version-history":[{"count":0,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/1959\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media\/1187"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}