{"id":2186,"date":"2023-11-28T18:24:22","date_gmt":"2023-11-28T17:24:22","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=2186"},"modified":"2024-12-03T22:07:22","modified_gmt":"2024-12-03T20:07:22","slug":"nastrahy-pri-predaji-vraku-cez-poistovnu","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/nastrahy-pri-predaji-vraku-cez-poistovnu\/","title":{"rendered":"N\u00c1STRAHY PRI PREDAJI VRAKU CEZ POIS\u0164OV\u0147U"},"content":{"rendered":"<style>\r\n .player2495  .plyr__controls,\r\n .player2495 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player2495{\r\n  margin: 0 auto; }\r\n .player2495 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player2495 .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 player2495\" \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\/12\/ElevenLabs_2023-12-18T13_04_11_Adam_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"2495\" \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=\"player2495\" id=\"player2495\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/12\/ElevenLabs_2023-12-18T13_04_11_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 style=\"text-align: center;\">Audio \u00favod vegenerovan\u00fd pomocou AI<\/p>\n<p>V\u00a0tomto \u010dl\u00e1nku si povieme ak\u00e9 3 n\u00e1strahy na v\u00e1s \u010d\u00edhaj\u00fa pri predaji vraku vozidla. Ak\u00fdmi krokmi im viete predch\u00e1dza\u0165 a na koniec v\u00e1m prezrad\u00edme ako sa im viete \u00faplne vyhn\u00fa\u0165 a\u00a0vozidlo preda\u0165 bez starost\u00ed a\u00a0v\u00fdhodnej\u0161ie ako cez dra\u017eobn\u00fa ponuku od pois\u0165ovne.<\/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>3 n\u00e1strahy pri predaji vozidla po tot\u00e1lnej \u0161kode a sp\u00f4sob ako sa im vyhn\u00fa\u0165<\/h2>\n<p>K poistnej udalosti, ktor\u00e1 bola zo strany pois\u0165ovne vyhodnoten\u00e1 ako tot\u00e1lna \u0161koda, patr\u00ed aj odpredanie havarovan\u00e9ho vozidla, tzv. pou\u017eite\u013en\u00fdch zvy\u0161kov. Ako spr\u00e1vne postupova\u0165 pri odpredan\u00ed zvy\u0161kov vozidla, aby ste nakoniec boli v zisku?<\/p>\n<p>Prvou n\u00e1strahou \u010dastokr\u00e1t b\u00fdva\u00a0<strong>nedodanie potrebn\u00fdch dokumentov od kupuj\u00faceho<\/strong>. Tie s\u00fa potrebn\u00e9 na to, aby bolo mo\u017en\u00e9 vykona\u0165 prevod \u010di zmenu dr\u017eby vozidla.<\/p>\n<p>\u010eal\u0161\u00edm probl\u00e9mom m\u00f4\u017ee by\u0165, \u017ee\u00a0<strong>havarovan\u00e9 vozidlo m\u00e1 aj in\u00e9 po\u0161kodenia, o ktor\u00fdch kupuj\u00faci nevedel<\/strong>. Inform\u00e1cie oh\u013eadom vozidla na online aukci\u00e1ch dod\u00e1vaj\u00fa pois\u0165ovne, niekedy sa stane, \u017ee technik pois\u0165ovne pri obhliadke nie v\u017edy zdokumentuje v\u0161etky po\u0161kodenia. Kupuj\u00faci n\u00e1sledne s vami zni\u017euje cenu vraku vozidla priamo na mieste.<\/p>\n<p>Probl\u00e9my sa m\u00f4\u017eu vyskytn\u00fa\u0165 aj ke\u010f u\u017e m\u00e1te peniaze (k\u00fapnu cenu) a doklady potrebn\u00e9 na prepis vozidla. M\u00f4\u017ee sa sta\u0165, \u017ee zmluva, ktor\u00fa ste podp\u00edsali s kupuj\u00facim bola formulovan\u00e1 v jeho prospech, \u010d\u00edm kupuj\u00faci z\u00edskava mo\u017enos\u0165 si\u00a0<strong>sp\u00e4tne vym\u00e1ha\u0165 od v\u00e1s \u010das\u0165 zaplatenej k\u00fapnej ceny za vozidlo<\/strong>\u00a0a to aj po vykonan\u00ed prevodu dr\u017eby vozidla. Nie raz sa toti\u017e stalo, \u017ee kupuj\u00faci dodato\u010dne objavil \u010fal\u0161ie nedostatky, napr\u00edklad po\u0161koden\u00e9 riadiace jednotky, nosn\u00fa \u010das\u0165 karos\u00e9rie, \u010di brzdov\u00fd syst\u00e9m,\u00a0<strong>\u010do nebolo mo\u017en\u00e9 z fotiek na online aukcii zisti\u0165<\/strong>. Pokia\u013e nem\u00e1te dobre formulovan\u00fa\u00a0<strong>k\u00fapnu zmluvu na vrak vozidla<\/strong><strong>,<\/strong> m\u00f4\u017ee si od v\u00e1s kupuj\u00faci s\u00fadnou cestou n\u00e1rokova\u0165 \u010das\u0165 k\u00fapnej ceny sp\u00e4\u0165.<\/p>\n<h2>D\u00e1 sa pred\u00eds\u0165 n\u00e1strah\u00e1m pri predaji vraku vozidla?<\/h2>\n<h2>Dobr\u00e1 k\u00fapna zmluva je k\u013e\u00fa\u010dov\u00e1<\/h2>\n<p>Osoby, ktor\u00e9 pred\u00e1vaj\u00fa svoje po\u0161koden\u00e9 vozidlo po poistnej udalosti, si stiahnu <b>vzor <\/b>k\u00fapnej <b>zmluvy z internetu<\/b>. Tak\u00e9to zmluvy z internetu, <b>nechr\u00e1nia<\/b> v\u00e1s ako pred\u00e1vaj\u00faceho,<\/p>\n<p>V\u00e4\u010d\u0161ina zml\u00fav na internete, je sk\u00f4r na ochranu pr\u00e1v druhej strany (kupuj\u00faceho), pri\u010dom v uveden\u00fdch zmluv\u00e1ch ch\u00fdbaj\u00fa ustanovenia na va\u0161u ochranu.<\/p>\n<p>Je to logick\u00e9, nako\u013eko v\u00e4\u010d\u0161inou sa pred\u00e1vaj\u00fa nehavarovan\u00e9 vozidl\u00e1 a druh\u00e1 strana (kupuj\u00faci), chce by\u0165 zmluvne chr\u00e1nen\u00e1, najm\u00e4 \u010do sa t\u00fdka zaml\u010dan\u00fdch v\u00e1d.<\/p>\n<p>Vy ste ale moment\u00e1lne v\u00a0situ\u00e1cii, kedy ste ako pred\u00e1vaj\u00faca strana a\u00a0pred\u00e1vate po\u0161koden\u00e9 vozidlo, pri\u010dom nepotrebujete \u201ezatajova\u0165\u201c technick\u00fd stav vozidla. Pr\u00e1ve naopak.<\/p>\n<p>Iba <b>d\u00f4kladne vypracovanou k\u00fapnou zmluvou<\/b> sa m\u00f4\u017eete c\u00edti\u0165 bezpe\u010dne a bez ob\u00e1v preda\u0165 svoje vozidlo a spravi\u0165 hrub\u00fa \u010diaru za vzniknutou poistnou udalos\u0165ou.<\/p>\n<p>V\u00a0advok\u00e1tskej kancel\u00e1ri\u00ed v\u00e1s vyhotovenie takejto zmluvy vie st\u00e1\u0165 aj 150 EUR. probl\u00e9mu s predajom a prepisom havarovan\u00e9ho vozidla.<\/p>\n<h2>\nDokument\u00e1cia k prepisu v evidenci\u00ed vozidiel<br \/>\n<\/h2>\n<h2>Slovensko<\/h2>\n<p>Na to, aby ste vozidlo\u00a0\u00faspe\u0161ne predali kupuj\u00facemu administrat\u00edvne (prepis vozidla), aj finan\u010dne (prevzatie k\u00fapnej ceny), je potrebn\u00fd s\u00fahlas nov\u00e9ho majite\u013ea s prevodom dr\u017eby havarovan\u00e9ho vozidla na jeho meno.<\/p>\n<p>S\u00fahlas s prevodom dr\u017eby je vyjadrenie v\u00f4le kupuj\u00faceho, \u017ee sa m\u00f4\u017ee na jeho meno previes\u0165 dr\u017eba dan\u00e9ho vozidla. T\u00e1to povinnos\u0165 je na Slovensku u\u017e dlh\u0161iu dobu a to pr\u00e1ve z d\u00f4vodu, \u017ee sa prev\u00e1dzali dr\u017eby vozidla na \u013eud\u00ed, ktor\u00ed o tom ani len netu\u0161ili..\u00a0<\/p>\n<p>Mus\u00ed obsahova\u0165 identifik\u00e1ciu vozidla, ktor\u00e9 m\u00e1 by\u0165 predmetom prevodu vlastn\u00edctva\/dr\u017eby a identifik\u00e1ciu osoby, na ktor\u00fa sa m\u00e1 vlastn\u00edctvo\/dr\u017eba previes\u0165.<\/p>\n<p>Tento s\u00fahlas sa predklad\u00e1 priamo na pr\u00edslu\u0161nom dopravnom in\u0161pektor\u00e1te, a m\u00f4\u017ee ma\u0165 formu elektronick\u00fa (str\u00e1nkach Ministerstva vn\u00fatra SR), pr\u00edpadne p\u00edsomn\u00fa (listina \u00faradne overen\u00e1).<\/p>\n<p>Elektronick\u00fa podobu neodpor\u00fa\u010dame z\u00a0d\u00f4vodu, \u017ee kupuj\u00faci v\u00e1m s\u00edce m\u00f4\u017ee pri prevzat\u00ed vozidla zaplati\u0165 k\u00fapnu cenu, ale ak d\u00f4jde k odvolaniu elektronick\u00e9ho s\u00fahlasu,\u00a0<b>nebudete m\u00f4c\u0165 vozidlo prep\u00edsa\u0165.<\/b><\/p>\n<p>S\u00fahlas mus\u00ed obsahova\u0165\u00a0<b>identifik\u00e1ciu vozidla<\/b>, ktor\u00e9 m\u00e1 by\u0165 predmetom prevodu vlastn\u00edctva\/dr\u017eby a\u00a0<b>identifik\u00e1ciu osoby<\/b>, na ktor\u00fa sa m\u00e1 vlastn\u00edctvo\/dr\u017eba previes\u0165.<\/p>\n<h2>Zahrani\u010die <\/h2>\n<p>Ak vozidlo kupuje zahrani\u010dn\u00fd subjekt, \u010di u\u017e s\u00fakromn\u00e1 osoba alebo podnikate\u013e, je nutn\u00e9 podrobi\u0165 vozidlo<strong>\u00a0v\u00fdvoznej kontrole originality<\/strong>. V tomto pr\u00edpade sa v\u0161ak \u00faradne overen\u00fd s\u00fahlas kupuj\u00faceho nevy\u017eaduje a na dopravnom in\u0161pektor\u00e1te v\u00e1m vozidlo prep\u00ed\u0161u iba udan\u00edm\u00a0<strong>identifik\u00e1cie kupuj\u00faceho<\/strong>\u00a0a\u00a0<strong>predlo\u017een\u00edm protokolu z kontroly originality<\/strong>, ktor\u00fd nie je star\u0161\u00ed ako 15 dn\u00ed.<\/p>\n<p>Nato, aby kupuj\u00faci\u00a0dok\u00e1zal podrobi\u0165 vozidlo kontrole originality, mus\u00ed ma\u0165 k dispoz\u00edcii samotn\u00e9 havarovan\u00e9 auto, osved\u010denie o evidencii \u010das\u0165 I. a \u010das\u0165 II. (ve\u013ek\u00fd aj mal\u00fd techni\u010d\u00e1k).<\/p>\n<p>Ke\u010f\u017ee vozidlo je po hav\u00e1rii, s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou je nepojazdn\u00e9. Vy tak budete musie\u0165 vyrie\u0161i\u0165, ako dopravi\u0165 vozidlo na kontrolu originality.<\/p>\n<p>\u017dia\u013e, na tento \u00fakon je potrebn\u00e9 si vy\u010dleni\u0165 jeden a\u017e dva dni dovolenky. Je potrebn\u00e9 obvola\u0165 najbli\u017e\u0161ie stanice kontroly originality, zos\u00faladi\u0165 to s dostupn\u00fdmi term\u00ednmi v od\u0165ahovej slu\u017ebe, ktor\u00e1 v\u00e1m vozidlo na kontrolu odvezie. Od\u0165ahov\u00e1 slu\u017eba mus\u00ed po\u010dka\u0165 hodinu, k\u00fdm sa vykon\u00e1 samotn\u00e1 kontrola, aby vozidlo odviezla nasp\u00e4\u0165. N\u00e1sledne je treba dohodn\u00fa\u0165 sa s kupuj\u00facim na odvoz\/v\u00fdvoz do zahrani\u010dia<\/p>\n<p>Ak by ste tieto povinnosti nechali na kupuj\u00faceho, mohla by nasta\u0165 situ\u00e1cia, \u017ee vozidlo nepodrob\u00ed technickej kontrole, pr\u00edpadne v\u00e1m nepo\u0161le doklady potrebn\u00e9 na prepis vozidla, a\u00a0vy by ste boli <strong>vystaven\u00fd riziku pok\u00fat<\/strong> (za nepodrobenie vozidla TK a EK, neuzatvorenie PZP, pokuty za priestupky), nako\u013eko by bolo vozidlo st\u00e1le registrovan\u00e9 na v\u00e1s.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>Ako sa vyhn\u00fa\u0165 n\u00e1strah\u00e1m, preda\u0165 vrak vozidla bezstarostne a navy\u0161e za\u0148 z\u00edska\u0165 viac?<\/h2>\n<p><strong>Je to mo\u017en\u00e9 a navy\u0161e v\u00e1s to nebude st\u00e1\u0165 ni\u010d na viac. My v\u00e1m toti\u017e\u00a0 priprav\u00edme k\u00fapnu zmluvu ktor\u00e1 v\u00e1s bude <\/strong>chr\u00e1ni\u0165 pred ne\u017eelan\u00fdmi a nezmyseln\u00fdmi po\u017eiadavkami druhej strany (kupuj\u00faceho), ktor\u00fdmi by ste sa mohli dosta\u0165 do situ\u00e1cie, \u017ee budete musie\u0165 vr\u00e1ti\u0165 \u010das\u0165 k\u00fapnej ceny, ktor\u00fa v\u00e1m vyplatil kupuj\u00faci.<\/p>\n<p>Zabezpe\u010d\u00edme za v\u00e1s prep\u00edsanie vozidla v evidencii aj vr\u00e1tane v\u0161etk\u00fdch n\u00e1le\u017eitost\u00ed\u00a0 od s\u00fahlasu s prevodom dr\u017eby \u010di zabezpe\u010den\u00edm kontroly originality v pr\u00edpade predaju do zahrani\u010dia.<\/p>\n<p>Vy si tak u\u0161etr\u00edte kopec \u010dasu, nervov a\u00a0v\u00a0neposlednom rade aj financi\u00ed.<\/p>\n<p>Va\u0161e vozidlo toti\u017e pred\u00e1me v\u00fdhodnej\u0161ie \u010dastokr\u00e1t a\u017e o 40% viac, ako je suma ktor\u00fa v\u00e1m pon\u00fakli cez dra\u017ebu v pois\u0165ovni.<\/p>\n<p>Sta\u010d\u00ed si va\u0161e vozidlo registrova\u0165 v\u00a0na\u0161om <a href=\"https:\/\/pokus.aider.sk\/en\/drazba-vozidiel\/\">dra\u017eobnom port\u00e1ly<\/a> a necha\u0165 v\u0161etko na n\u00e1s.<\/p>\n<p><b>Objednajte si konzult\u00e1ciu a povedzte n\u00e1m o svojom probl\u00e9me viac, my v\u00e1m poskytneme rie\u0161enia.<\/b><\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vegenerovan\u00fd pomocou AI V\u00a0tomto \u010dl\u00e1nku si povieme ak\u00e9 3 n\u00e1strahy na v\u00e1s \u010d\u00edhaj\u00fa pri predaji vraku vozidla. Ak\u00fdmi [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1288,"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":[24],"tags":[],"class_list":["post-2186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-totalnaskoda"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2186","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=2186"}],"version-history":[{"count":1,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2186\/revisions"}],"predecessor-version":[{"id":4639,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2186\/revisions\/4639"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media\/1288"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=2186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/categories?post=2186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/tags?post=2186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}