{"id":2076,"date":"2023-11-28T11:37:57","date_gmt":"2023-11-28T10:37:57","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=2076"},"modified":"2024-12-03T22:07:23","modified_gmt":"2024-12-03T20:07:23","slug":"ako-sa-vyhnut-amortizacii","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/ako-sa-vyhnut-amortizacii\/","title":{"rendered":"AKO SA VYHN\u00da\u0164 AMORTIZ\u00c1CII"},"content":{"rendered":"<style>\r\n .player2086  .plyr__controls,\r\n .player2086 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player2086{\r\n  margin: 0 auto; }\r\n .player2086 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player2086 .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 player2086\" \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_2023-11-28T10_43_02_Bella_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"2086\" \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=\"player2086\" id=\"player2086\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-28T10_43_02_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 vytvoren\u00fd pomocou AI<\/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=\"1000\" height=\"925\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196.jpeg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196.jpeg 1000w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-300x278.jpeg 300w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-768x710.jpeg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-13x12.jpeg 13w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-600x555.jpeg 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<p><b>To, \u017ee pois\u0165ovne zni\u017euj\u00fa poistn\u00e9 plnenia o takzvan\u00fa amortiz\u00e1ciu pri \u0161kodov\u00fdch udalostiach na motorov\u00fdch vozidl\u00e1ch nie je \u017eiadnou novinkou, ani tajomstvom.<\/b><\/p>\n<p>Niektor\u00e9 pois\u0165ovne u\u017e tzv. amortiz\u00e1ciu neodpo\u010d\u00edtavaj\u00fa, vzh\u013eadom na to, \u017ee sa nejedn\u00e1 o spr\u00e1vny postup pri n\u00e1hrade \u0161kody. Predsa sa aj v dne\u0161nej dobe n\u00e1jdu pois\u0165ovne, ktor\u00e9 t\u00fato polo\u017eku odpo\u010d\u00edtaj\u00fa po\u0161koden\u00e9mu z poistn\u00e9ho plnenia.<\/p>\n<p>V tomto \u010dl\u00e1nku si povieme, pre\u010do pois\u0165ovne zni\u017euj\u00fa plnenia o amortiz\u00e1ciu, ak\u00fd je n\u00e1zor s\u00fadu na t\u00fato problematiku a ako sa tak\u00e9muto zn\u00ed\u017eeniu vyhn\u00fa\u0165.<\/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>Amortiz\u00e1cia vs. zhodnotenie vozidla<\/h2>\n<p>Zoberte si situ\u00e1ciu, kde m\u00e1te dev\u00e4\u0165 ro\u010dn\u00e9 vozidlo, ktor\u00e9mu bol po\u0161koden\u00fd predn\u00fd n\u00e1razn\u00edk. Tento n\u00e1razn\u00edk mal p\u00f4vodne hodnotu 1 000 EUR. Po deviatich rokoch mu v\u0161ak hodnota klesla na 800 EUR, nako\u013eko u\u017e m\u00e1 svoj vek a vykazuje zn\u00e1mky opotrebovania.<\/p>\n<p>Servis v\u00e1m na star\u00e9 vozidlo namontuje nov\u00fd n\u00e1razn\u00edk, \u010d\u00edm z poh\u013eadu pois\u0165ovne do\u0161lo k zhodnoteniu v\u00e1\u0161ho vozidla o 200 EUR. Pokia\u013e by pois\u0165ov\u0148a uhradila servisu pln\u00fa sumu, teda 1 000 EUR, vy by ste z\u00edskali vy\u0161\u0161ie od\u0161kodnenie, ako v\u00e1m bola re\u00e1lne sp\u00f4soben\u00e1 \u0161koda.<\/p>\n<p>Kv\u00f4li tak\u00fdmto situ\u00e1ci\u00e1m pois\u0165ovne odpo\u010d\u00edtavaj\u00fa z poistn\u00e9ho plnenia zhodnotenie vozidla nov\u00fdmi dielmi (tzv. amortiz\u00e1ciu), aby ste sa bezd\u00f4vodne neobohatili vplyvom \u0161kodovej udalosti.<\/p>\n<p>Vy tak budete musie\u0165\u00a0<b>doplati\u0165<\/b>\u00a0servisu rozdiel medzi plnen\u00edm, ktor\u00e9 poskytla pois\u0165ov\u0148a, a celkovou sumou opravy, \u010di\u017ee 200 EUR, inak v\u00e1m nemus\u00ed by\u0165 auto zo servisu vydan\u00e9.<\/p>\n<h2>In\u00fd poh\u013ead na amortiz\u00e1ciu (zhodnotenie)<\/h2>\n<p>Zoberte si teraz situ\u00e1ciu, ke\u010f kupujete ojazden\u00e9 auto. Obe aut\u00e1 s\u00fa rovnak\u00e9 (zna\u010dka, typ, motoriz\u00e1cia\u2026), za t\u00fa ist\u00fa cenu. Viete v\u0161ak, \u017ee jedno z nich bolo havarovan\u00e9\u00a0(napr. menen\u00fd predn\u00fd n\u00e1razn\u00edk) a druh\u00e9 nebolo.<\/p>\n<p>Ktor\u00e9 auto by ste si k\u00fapili?<\/p>\n<p>Vzh\u013eadom na to, \u017ee obe aut\u00e1 s\u00fa za rovnak\u00fa cenu, pravdepodobne by si ka\u017ed\u00fd zvolil nehavarovan\u00e9, na ktorom je n\u00e1razn\u00edk p\u00f4vodn\u00fd. Pokia\u013e by v\u0161ak havarovan\u00e9 vozidlo bolo za v\u00fdhodnej\u0161iu cenu, mo\u017eno by ste\u00a0zv\u00e1\u017eili jeho k\u00fapu.<\/p>\n<p>Na z\u00e1klade pop\u00edsanej situ\u00e1cie vieme vyvodi\u0165 skuto\u010dnos\u0165, \u017ee v\u00fdmenou n\u00e1razn\u00edka sa\u00a0<b>nejedn\u00e1 o zhodnotenie vozidla<\/b>, sk\u00f4r o jeho\u00a0<b><a href=\"https:\/\/pokus.aider.sk\/en\/znizenie-hodnoty-vozidla-vplyvom-nehody\/\">znehodnotenie.<\/a><\/b><\/p>\n<h2>\u010co hovor\u00ed s\u00fadna prax?<\/h2>\n<p>Pod\u013ea z\u00e1veru odvolacieho s\u00fadu\u00a0\u201e\u2026\u017ealovan\u00fd a ved\u013eaj\u0161\u00ed \u00fa\u010dastn\u00edk \u017ealovan\u00e9ho nepreuk\u00e1zali, \u017ee vykonan\u00edm opravy havarovan\u00e9ho vozidla pou\u017eit\u00edm nov\u00fdch n\u00e1hradn\u00fdch dielov, by sa zv\u00fd\u0161ila majetkov\u00e1 hodnota tohto vozidla. V kone\u010dnom d\u00f4sledku v zmysle pr\u00e1vnej \u00fapravy nemo\u017eno ani spravodlivo po\u017eadova\u0165, aby \u017ealobca, ktor\u00fd bol po\u0161koden\u00fd, zabezpe\u010doval opravu vozidla in\u00fdm sp\u00f4sobom, ne\u017e pou\u017eit\u00edm nov\u00fdch n\u00e1hradn\u00fdch dielov, ktor\u00e9 smeruj\u00fa len k odstr\u00e1neniu n\u00e1sledkov \u0161kodovej udalosti.\u201c<\/p>\n<p><i>Zdroj: Najvy\u0161\u0161\u00ed s\u00fad Slovenskej republiky<\/i><\/p>\n<h2>Ktor\u00e9 pois\u0165ovne e\u0161te amortiz\u00e1ciu pri PZP odpo\u010d\u00edtavaj\u00fa?<\/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\u00fa ot\u00e1zku, 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\u00a0amortiz\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\u00a0vyhl\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\u00a0Komun\u00e1lnej pois\u0165ovne\u00a0vypl\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\u00a0Generali\u00a0a\u00a0\u010cSOB pois\u0165ovne.<\/p>\n<p>Na druhej strane\u00a0Union pois\u0165ov\u0148a\u00a0amortiz\u00e1ciu pri poistn\u00fdch plneniach z PZP\u00a0<b>uplat\u0148uje<\/b>, presne tak, ako aj\u00a0W\u00fcstenrot pois\u0165ov\u0148a.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>Ako sa br\u00e1ni\u0165?<\/h2>\n<p>Ako sa br\u00e1ni\u0165 v pr\u00edpade, \u017ee v\u00e1m pois\u0165ov\u0148a zn\u00ed\u017eila poistn\u00e9 plnenie o amortiz\u00e1ciu?<\/p>\n<p>Prv\u00fdm krokom je s pois\u0165ov\u0148ou komunikova\u0165, ide\u00e1lne p\u00edsomne. Odpor\u00fa\u010dame nap\u00edsa\u0165 do pois\u0165ovne v\u00fdzvu na doplatenie poistn\u00e9ho plnenia. V nej uve\u010fte, \u017ee va\u0161e vozidlo vplyvom opravy, ktor\u00e1 smerovala k odstr\u00e1neniu n\u00e1sledkov \u0161kodovej udalosti, nemala za n\u00e1sledok zv\u00fd\u0161enie hodnoty vozidla, pr\u00e1ve naopak. Na z\u00e1klade tejto skuto\u010dnosti m\u00f4\u017eete vyzva\u0165 pois\u0165ov\u0148u k doplateniu rozdielu medzi u\u017e vyplaten\u00fdm poistn\u00fdm plnen\u00edm a celkov\u00fdmi n\u00e1kladmi na opravu.<\/p>\n<p>Nezaru\u010dujeme v\u00e1m, \u017ee reakcia pois\u0165ovne bude bezprobl\u00e9mov\u00e1 a\u00a0po va\u0161ej v\u00fdzve uhradia \u010do maj\u00fa, sk\u00f4r naopak.<\/p>\n<p>My v\u00e1m v\u0161ak vieme zaru\u010di\u0165, \u017ee po rokoch sk\u00fasenost\u00ed u\u017e v\u00a0pois\u0165ovniach m\u00e1me meno a\u00a0vieme ako zabezpe\u010di\u0165 doplatenie rozdielu.<\/p>\n<p>Konzultujte s\u00a0nami v\u00e1\u0161 pr\u00edpad, a\u00a0my pre v\u00e1s bez toho, aby ste museli \u010doko\u013evek dopl\u00e1ca\u0165 vyrie\u0161ime va\u0161u situ\u00e1ciu s\u00a0pois\u0165ov\u0148ou.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vytvoren\u00fd pomocou AI To, \u017ee pois\u0165ovne zni\u017euj\u00fa poistn\u00e9 plnenia o takzvan\u00fa amortiz\u00e1ciu pri \u0161kodov\u00fdch udalostiach na motorov\u00fdch vozidl\u00e1ch [&hellip;]<\/p>","protected":false},"author":4,"featured_media":2077,"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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