{"id":1971,"date":"2023-11-24T13:56:30","date_gmt":"2023-11-24T12:56:30","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=1971"},"modified":"2024-01-23T09:46:26","modified_gmt":"2024-01-23T08:46:26","slug":"nahradne-vozidlo-pri-parcialnej-skode","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/nahradne-vozidlo-pri-parcialnej-skode\/","title":{"rendered":"N\u00c1HRADN\u00c9 VOZIDLO PRI PARCI\u00c1LNEJ \u0160KODE"},"content":{"rendered":"<style>\r\n .player1975  .plyr__controls,\r\n .player1975 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player1975{\r\n  margin: 0 auto; }\r\n .player1975 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player1975 .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 player1975\" \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_2023-11-24T12_56_01_Bella_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"1975\" \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=\"player1975\" id=\"player1975\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-24T12_56_01_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>V\u00a0tomto \u010dl\u00e1nku v\u00e1m pribl\u00ed\u017eime kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo, ak\u00e9 <b>n\u00e1hradn\u00e9 vozidlo<\/b> v\u00e1m <b>pois\u0165ov\u0148a<\/b> akceptuje a\u00a0<b>preplat\u00ed<\/b>, na ak\u00fa dobu, \u010di je rozdiel pri n\u00e1hradnom vozidle z\u00a0<b>PZP<\/b> alebo <b>havarijn\u00e9ho<\/b> poistenia, \u010do s\u00fa to prev\u00e1dzkov\u00e9 n\u00e1klady a\u00a0ich odpo\u010det.<\/p>\n<p>Uk\u00e1\u017eeme si aj pr\u00edklady toho, ako pois\u0165ov\u0148a zvykne zamieta\u0165 plnenie za n\u00e1hradn\u00e9 vozidlo a\u00a0na z\u00e1ver v\u00e1m prezrad\u00edme ako sa <b>vyhnete nepreplateniu <\/b>\u010di kr\u00e1teniu plnenia zo <b>strany pois\u0165ovne.<\/b><\/p>\n<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\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>Kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo?<\/h2>\n<p>V pr\u00edpade,<b> \u017ee ste mali nehodu <\/b>a pois\u0165ov\u0148a \u0161kodu na vozidle ozna\u010dila <b>ako\u00a0<\/b><a href=\"https:\/\/pokus.aider.sk\/en\/co-je-parcialna-skoda\/\"><b>parci\u00e1lnu \u0161kodu<\/b><\/a><b> alebo tot\u00e1lnu \u0161kodu, <\/b><b>m\u00e1te n\u00e1rok na pren\u00e1jom n\u00e1hradn\u00e9ho vozidla.<\/b><\/p>\n<p>\u00a0Pri \u0161kod\u00e1ch z<b>\u00a0PZP<\/b> m\u00e1te <b>automaticky<\/b> n\u00e1rok na n\u00e1hradn\u00e9 vozidlo, pri \u0161kod\u00e1ch z\u00a0<b>HP<\/b>, ak je n\u00e1hradn\u00e9 vozidlo <b>pripoisten\u00e9 v\u00a0poistnej zmluve<\/b>.<\/p>\n<h2>Ak\u00e9 n\u00e1hradn\u00e9 vozidlo v\u00e1m pois\u0165ov\u0148a preplat\u00ed?<\/h2>\n<p>V z\u00e1sade plat\u00ed, \u017ee n\u00e1hradn\u00e9 vozidlo pri parci\u00e1lnej \u0161kode pois\u0165ov\u0148a preplat\u00ed v plnej v\u00fd\u0161ke za predpokladu, \u017ee sa jedn\u00e1 o\u00a0<b>porovnate\u013en\u00e9<\/b>\u00a0vozidlo, \u010di\u017ee vozidlo v takej triede, ak\u00e9 v\u00e1m bolo po\u0161koden\u00e9. Pois\u0165ov\u0148a by v\u00e1m mala akceptova\u0165 aj n\u00e1hradn\u00e9 vozidlo ni\u017e\u0161ej triedy, ako to, ktor\u00e9 v\u00e1m bolo po\u0161koden\u00e9<b>\u00a0<\/b>.<\/p>\n<h2>D\u013a\u017eka pren\u00e1jmu n\u00e1hradn\u00e9ho vozidla pri parci\u00e1lnej \u0161kode<\/h2>\n<p>Na z\u00e1klade na\u0161ich sk\u00fasenost\u00ed vieme, \u017ee pois\u0165ov\u0148a by v\u00e1m mala bez v\u00e4\u010d\u0161\u00edch komplik\u00e1cii uhradi\u0165 n\u00e1hradn\u00e9 vozidlo pri parci\u00e1lnej \u0161kode vo v\u00fd\u0161ke, ktor\u00e1\u00a0<b>zodpoved\u00e1 d\u013a\u017eke opravy<\/b>. To znamen\u00e1, \u017ee na z\u00e1klade toho, ko\u013eko hod\u00edn opravy je potrebn\u00e9 na opravu po\u0161kodenia, to\u013eko dn\u00ed v\u00e1m bud\u00fa akceptova\u0165 zapo\u017ei\u010danie n\u00e1hradn\u00e9ho vozidla, pri\u010dom sa predpoklad\u00e1, \u017ee pracovn\u00fd \u010das v servise je osem hod\u00edn. Ak bude napr\u00edklad potrebn\u00fdch osem hod\u00edn na opravu vozidla v zmysle kalkul\u00e1cie, ktor\u00e1 je vypracovan\u00e1 pod\u013ea normovan\u00fdch hod\u00edn v\u00fdrobcom, pois\u0165ov\u0148a v\u00e1m preplat\u00ed jeden de\u0148.<\/p>\n<p>Niektor\u00e9 pois\u0165ovne \u010dastokr\u00e1t nezoh\u013ead\u0148uj\u00fa objekt\u00edvne prek\u00e1\u017eky, technologick\u00e9 povinn\u00e9 prest\u00e1vky, pr\u00edpadne vy\u0165a\u017eenos\u0165 servisu a person\u00e1lne kapacity servisu.<\/p>\n<h2>Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm pri prenajat\u00ed n\u00e1hradn\u00e9ho vozidla<\/h2>\n<p>Pri\u00a0<b>PZP<\/b>\u00a0sa v\u00e1m m\u00e1 dosta\u0165 \u00fahrada\u00a0<b>skuto\u010dnej \u0161kody<\/b>, \u010di\u017ee v\u0161etky n\u00e1klady, ktor\u00e9 boli potrebn\u00e9 na to, aby ste si zachovali rovnak\u00fd \u017eivotn\u00fd \u0161tandard. Z uveden\u00e9ho vypl\u00fdva, \u017ee n\u00e1roky na n\u00e1hradn\u00e9 vozidlo musia by\u0165 vyplaten\u00e9 od d\u0148a vzniku poistnej udalosti a\u017e do doby, kedy ste si boli schopn\u00fd prevzia\u0165 vozidlo zo servisu po jeho oprave.<\/p>\n<p>Pri\u00a0<b>havarijnom poisten\u00ed<\/b>\u00a0m\u00e1te n\u00e1rok na \u00fahradu n\u00e1kladov za n\u00e1hradn\u00e9 vozidlo v zmysle v\u0161eobecn\u00fdch poistn\u00fdch podmienok, ktor\u00e9 m\u00e1 ka\u017ed\u00e1 pois\u0165ov\u0148a r\u00f4zne.<\/p>\n<h2>Odpo\u010det prev\u00e1dzkov\u00fdch n\u00e1kladov<\/h2>\n<p>Aby pois\u0165ov\u0148a u\u0161etrila, je vysok\u00e1 pravdepodobnos\u0165, \u017ee v\u00e1m odpo\u010d\u00edta tzv.\u00a0<b>prev\u00e1dzkov\u00e9 n\u00e1klady za n\u00e1hradn\u00e9 vozidlo<\/b>. Jedn\u00e1 sa o \u010diastku, o ktor\u00fa by sa v\u00e1m zn\u00ed\u017eila hodnota v\u00e1\u0161ho vozidla, keby ste rovnak\u00fd po\u010det kilometrov najazdili na vozidle, ktor\u00e9 je vo va\u0161om vlastn\u00edctve.<\/p>\n<p>Predstavte si situ\u00e1ciu, \u017ee na n\u00e1hradnom vozidle, ktor\u00e9ho pren\u00e1jom zaplat\u00ed pois\u0165ov\u0148a, najazd\u00edte 20 000 kilometrov. Keby ste tak\u00fd ist\u00fd po\u010det kilometrov najazdili na svojom vozidle, zn\u00ed\u017eila by sa jeho hodnota. Takto sa zn\u00ed\u017ei hodnota majetku autopo\u017ei\u010dovne, \u010do pois\u0165ov\u0148a zaplat\u00ed vo forme fakt\u00fary za pren\u00e1jom n\u00e1hradn\u00e9ho vozidla.<\/p>\n<p>Sporn\u00e1 m\u00f4\u017ee zosta\u0165\u00a0<b>v\u00fd\u0161ka odpo\u010d\u00edtan\u00fdch prev\u00e1dzkov\u00fdch n\u00e1kladov<\/b>. V\u00fdpo\u010det je op\u00e4\u0165 komplikovan\u00fd, preto\u017ee okrem amortiz\u00e1cie vozidla, \u010di\u017ee zn\u00ed\u017eenie technickej hodnoty vozidla, treba zapo\u010d\u00edta\u0165 aj zn\u00ed\u017eenie v\u0161eobecnej hodnoty vozidla. Je to pokles hodnoty vozidla vplyvom plynutia \u010dasu, \u010do pri dlhodobom pren\u00e1jme (napr\u00edklad \u0161tyri mesiace) je u\u017e postrehnute\u013en\u00e9.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>\nUk\u00e1\u017eky ako pois\u0165ovne zamietaj\u00fa n\u00e1hradn\u00e9 vozidl\u00e1<br \/>\n<\/h2>\n<p>Deje sa naozaj v\u00fdnimo\u010dne, \u017ee pois\u0165ov\u0148a preplat\u00ed bez probl\u00e9mov n\u00e1hradn\u00e9 vozidlo, v\u00a0tom lep\u0161om pr\u00edpade plnenie aspo\u0148 kr\u00e1ti, v\u00a0tom hor\u0161om pr\u00edpade zamietne plnenie \u00faplne.\u00a0<\/p>\n<style>\/*! elementor - v3.18.0 - 04-12-2023 *\/\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=\"605\" height=\"855\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1.png\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1.png 605w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-212x300.png 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-8x12.png 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-600x848.png 600w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"605\" height=\"856\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv.png\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv.png 605w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-212x300.png 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-8x12.png 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-600x849.png 600w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<h2>Ako sa zbavi\u0165 rizika nepreplatenia \u010di kr\u00e1tenie n\u00e1hradn\u00e9ho vozidla pois\u0165ov\u0148ou?<\/h2>\n<p>Pokia\u013e sa rozhodnete vyu\u017ei\u0165 slu\u017ebu <a href=\"https:\/\/pokus.aider.sk\/en\/nahradne-vozidlo\/\">\u00a0n\u00e1\u0161ho n\u00e1hradn\u00e9ho vozidla <\/a>\u00a0pred\u00eddete ak\u00fdmko\u013evek komplik\u00e1ci\u00e1m. Vozidlo v\u00e1m po\u017ei\u010diame bez toho, aby ste museli plati\u0165 jeho pren\u00e1jom a situ\u00e1ciu s pois\u0165ov\u0148ou dorie\u0161ime za v\u00e1s na na\u0161e n\u00e1klady a zodpovednos\u0165.\u00a0<\/p>\n<p>V pr\u00edpade, ak u\u017e ste n\u00e1hradn\u00e9 vozidlo mali zapo\u017ei\u010dan\u00e9 a pois\u0165ov\u0148a v\u00e1m ho odmietla preplati\u0165 alebo odmietla preplati\u0165 \u010das\u0165 n\u00e1kladov, tak n\u00e1s nev\u00e1hajte oslovi\u0165 , vym\u00f4\u017eeme v\u00e1\u0161 doplatok od pois\u0165ovne a vy z\u00edskate v\u0161etko na \u010do m\u00e1te n\u00e1rok.\u00a0<\/p>\n<p>Zanechajte n\u00e1m v\u00e1\u0161 kontakt alebo n\u00e1s kontaktujte priamo a my v\u00e1m poskytneme rie\u0161enia.<\/p>\n<p>\u00a0<\/p>\n<h2>Zanechajte n\u00e1m kontakt !<\/h2>\n<form id=\"forminator-module-2409\" class=\"forminator-custom-form forminator-custom-form-2409\" method=\"post\" data-forminator-render=\"0\" data-uid=\"6a0b2b848f60e\" 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\u00a0tomto \u010dl\u00e1nku v\u00e1m pribl\u00ed\u017eime kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo, ak\u00e9 n\u00e1hradn\u00e9 vozidlo v\u00e1m pois\u0165ov\u0148a akceptuje a\u00a0preplat\u00ed, na ak\u00fa dobu, [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1164,"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 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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-1971","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\/1971","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=1971"}],"version-history":[{"count":0,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/1971\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media\/1164"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}