{"id":2227,"date":"2023-11-29T19:01:06","date_gmt":"2023-11-29T18:01:06","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=2227"},"modified":"2024-12-03T22:07:22","modified_gmt":"2024-12-03T20:07:22","slug":"komunalna-poistovna-sledovanie-poistnych-udalosti-ako-si-udrzat-kontrolu-nad-svojou-poistnou-udalostou","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/komunalna-poistovna-sledovanie-poistnych-udalosti-ako-si-udrzat-kontrolu-nad-svojou-poistnou-udalostou\/","title":{"rendered":"KOMUN\u00c1LNA POIS\u0164OV\u0147A SLEDOVANIE POISTN\u00ddCH UDALOST\u00cd: Ako si udr\u017ea\u0165 kontrolu nad svojou poistnou udalos\u0165ou?"},"content":{"rendered":"<style>\r\n .player2115  .plyr__controls,\r\n .player2115 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player2115{\r\n  margin: 0 auto; }\r\n .player2115 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player2115 .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 player2115\" \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_2023-11-28T11_00_35_Bella_pre_s50_sb75_se0_b_m2-1.mp3\" \r\n  data-id=\"2115\" \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=\"player2115\" id=\"player2115\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-28T11_00_35_Bella_pre_s50_sb75_se0_b_m2-1.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 sa dozviete, \u010do znamenaj\u00fa jednotliv\u00e9 <b>polo\u017eky<\/b> pri sledovan\u00ed stavu poistnej udalosti, na \u010do si da\u0165 pozor od nahl\u00e1senia a\u017e po ukon\u010denie poistnej udalosti, ako zist\u00edte, \u017ee sa pois\u0165ov\u0148a chyst\u00e1 <b>zamietnu\u0165<\/b>\/kr\u00e1ti\u0165 poistn\u00e9 plnenie, ako v\u00e1m vieme <b>pom\u00f4c\u0165<\/b> aby va\u0161a poistn\u00e1 udalos\u0165 prebehla hladko s\u00a0\u010do najmen\u0161\u00edm dopadom na v\u00e1\u0161 komfort.<\/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>1. Nahl\u00e1senie \u0161kody<\/h2>\n<p>V z\u00e1sade m\u00e1 nulov\u00fa informa\u010dn\u00fa hodnotu pre v\u00e1s. Z uveden\u00e9ho iba viete, \u017ee pois\u0165ov\u0148a prijala va\u0161e nahl\u00e1senie poistnej udalosti. V tomto stave sa vy\u017eaduj\u00fa \u010fal\u0161ie kroky z va\u0161ej strany.\u00a0<\/p>\n<p>\u00a0Pois\u0165ovate\u013e v\u00e1s bude \u010falej informova\u0165:<\/p>\n<ul>\n<li>ak\u00e9 <b>dokumenty<\/b> treba <b>predlo\u017ei\u0165<\/b><\/li>\n<li>pr\u00edpadne v\u00e1m za\u0161le inform\u00e1ciu, v ktorom zmluvnom <b>servise<\/b> si m\u00e1te da\u0165 <b>opravi\u0165<\/b> svoje vozidlo<\/li>\n<\/ul>\n<p>Tu bu\u010fte <b>mimoriadne opatrn\u00fd<\/b>, preto\u017ee vo\u013eba zmluvn\u00e9ho <b>servisu<\/b>, ktor\u00fd v\u00e1m odporu\u010d\u00ed pois\u0165ovate\u013e, v\u00f4bec <b>nie je z\u00e1rukou<\/b> bezprobl\u00e9mov\u00e9ho ukon\u010denia <b>likvid\u00e1cie<\/b> poistnej udalosti zo strany Komun\u00e1lnej pois\u0165ovne, pre viac inform\u00e1ci\u00ed si pre\u010d\u00edtajte \u010dl\u00e1nok <a href=\"https:\/\/pokus.aider.sk\/en\/ake-su-nevyhody-zmluvnych-servisov\/\">Nev\u00fdhody zmluvn\u00fdch autoservisov.<\/a>\u00a0<\/p>\n<h2>2. P\u00edsomn\u00e9 uplatnenie \u0161kody po\u0161koden\u00fdm<br \/>\n<\/h2>\n<p>Op\u00e4\u0165 by sa dalo poveda\u0165, \u017ee uveden\u00fd bod pre v\u00e1s nem\u00e1 relevanciu. Ka\u017ed\u00fa poistn\u00fa udalos\u0165, aby bola likvidn\u00e1 (vyplaten\u00e1), mus\u00edte pois\u0165ovate\u013eovi <b>ozn\u00e1mi\u0165<\/b> aj <b>vy<\/b> ako po\u0161koden\u00e1 osoba, aj <b>\u0161kodca<\/b>, ktor\u00fd za \u0161kodu zodpoved\u00e1, ak tak \u0161kodca nesprav\u00ed, skoro ur\u010dite v\u00e1m pois\u0165ov\u0148a nevyplat\u00ed poistn\u00e9 plnenie.\u00a0<\/p>\n<p>Forma ozn\u00e1menia m\u00f4\u017ee by\u0165 napr\u00edklad formou <b>webov\u00e9ho formul\u00e1ru<\/b>, pr\u00edpadne <b>priamo<\/b> na pobo\u010dke. V\u00e4\u010d\u0161inou pois\u0165ovne ale potrebuj\u00fa <b>p\u00edsomn\u00e9<\/b> nahl\u00e1senie na ich tla\u010dive s vlastnoru\u010dn\u00fdm podpisom oznamovate\u013ea.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>3. Odovzdan\u00e9 p\u00edsomn\u00e9 podklady k likvid\u00e1cii<\/h2>\n<p>Na to, aby pois\u0165ov\u0148a v\u00f4bec za\u010dala s pre\u0161etrovan\u00edm poistnej udalosti, mus\u00edte pois\u0165ovni doru\u010di\u0165 najm\u00e4 tieto <b>doklady<\/b>:<\/p>\n<ul>\n<li>\u00a0osved\u010denie o evidencii vozidla \u010das\u0165 II. (tzv. ve\u013ek\u00fd <b>technick\u00fd preukaz<\/b>),<\/li>\n<li><b>vodi\u010dsk\u00fd<\/b> preukaz vodi\u010da,<\/li>\n<li><b>fakt\u00faru<\/b> zo servisu (ak je \u0161koda parci\u00e1lnou \u0161kodou \u2013 povolen\u00e1 oprava. Ak je \u0161koda tot\u00e1lnou \u2013 neekonomick\u00e1 oprava, fakt\u00faru nevy\u017eaduje),<\/li>\n<li>doklad o platnosti <b>technickej<\/b> a <b>emisnej<\/b> kontroly<\/li>\n<li><b>kalkul\u00e1ciu<\/b> zo servisu,<\/li>\n<li>pr\u00edpadne <b>\u010d\u00edslo<\/b> bankov\u00e9ho <b>\u00fa\u010dtu<\/b> kam uhrad\u00ed plnenie\u00a0<\/li>\n<\/ul>\n<p>Ak u\u017e p\u00e1r dn\u00ed na str\u00e1nkach Komun\u00e1lnej pois\u0165ovne v online sledovan\u00ed stavu \u0161kody <b>nie<\/b> <b>je<\/b> tento <b>bod<\/b> ozna\u010den\u00fd <b>zelenou<\/b> farbou, kontaktujte pois\u0165ov\u0148u.\u00a0 Zistite, ak\u00e9 doklady ch\u00fdbaj\u00fa pois\u0165ovni, aby ich pos\u00fadila. M\u00f4\u017ee sa sta\u0165, \u017ee v\u00e1s vyzvali mailom, ale mail skon\u010dil v <b>SPAMe<\/b>, pr\u00edpadne v\u00e1m po\u0161tou poslali v\u00fdzvu na dolo\u017eenie, ale na zl\u00fa adresu.<\/p>\n<h2>4. \u0160etrenie pois\u0165ovne<\/h2>\n<p>Vy\u017eadovan\u00e9 doklady boli doru\u010den\u00e9 zo strany po\u0161koden\u00e9ho aj \u0161kodcu a teraz za\u010d\u00ednaj\u00fa samotn\u00e9 likvida\u010dn\u00e9 \u00fakony. Tieto \u00fakony zahr\u0148uj\u00fa <b>pre\u0161etrenie<\/b> vzniku okolnost\u00ed poistnej udalosti, ako napr\u00edklad:<\/p>\n<ul>\n<li><b>Technick\u00e1\u00a0 prijate\u013enos\u0165<\/b> udalosti, pri ktorej Komun\u00e1lna pois\u0165ov\u0148a zis\u0165uje, \u010di je\u00a0 mo\u017en\u00e9, aby k \u0161kode do\u0161lo tak, ako ju popisuj\u00fa vinn\u00edk a po\u0161koden\u00fd, viac v \u010dl\u00e1nku <a href=\"https:\/\/pokus.aider.sk\/en\/technicka-prijatelnost-nehodoveho-deja\/\">Technick\u00e1 prijate\u013enos\u0165 nehodov\u00e9ho deja.<\/a><\/li>\n<li><b>Rozsah \u0161kody<\/b>, ktor\u00fd bol zaznamenan\u00fd pois\u0165ov\u0148ou pri obhliadke a jeho pr\u00edpadn\u00e1 opodstatnenos\u0165.<\/li>\n<li>\u00a0<b>Potrebu opravy<\/b> alebo v\u00fdmeny jednotliv\u00fdch \u010dast\u00ed uveden\u00fdch v fakt\u00fare zo servisu.<\/li>\n<\/ul>\n<p>V tomto bode u\u017e zvy\u010dajne nemus\u00edte komunikova\u0165 s pois\u0165ov\u0148ou, no v pr\u00edpade, \u017ee v\u00e1s pois\u0165ov\u0148a kontaktuje s po\u017eiadavkou na doplnenie inform\u00e1ci\u00ed, m\u00f4\u017ee to nazna\u010dova\u0165, \u017ee existuje riziko zamietnutia \/kr\u00e1tenia poistn\u00e9ho plnenia.<\/p>\n<p><b>Obzvl\u00e1\u0161\u0165 opatrn\u00fd<\/b> by ste mali by\u0165, ak pois\u0165ov\u0148a po\u0161le <b>znalca<\/b> z oblasti <b>cestnej dopravy<\/b>, forenzn\u00e9ho \u0161pecialistu alebo \u0161pecialistu na zvl\u00e1\u0161tne udalosti (ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00f4\u017ee ma\u0165 svoje vlastn\u00e9 n\u00e1zvy na tak\u00e9to oddelenia). V t\u00fdchto pr\u00edpadoch by mohlo znamena\u0165, \u017ee pois\u0165ov\u0148a preveruje mo\u017enosti <b>zamietnutia<\/b> plnenia s cie\u013eom u\u0161etri\u0165 n\u00e1klady alebo br\u00e1ni\u0165 sa pred potenci\u00e1lnymi poistn\u00fdmi podvodmi.<\/p>\n<p>Z vlastn\u00fdch sk\u00fasenost\u00ed vieme, \u017ee ak je pr\u00edpad odoslan\u00fd tak\u00e9muto oddeleniu alebo znalcovi, je pravdepodobn\u00e9, \u017ee v\u00e1m poistn\u00e9 plnenie zamietnu.<\/p>\n<p><b>\u010co robi\u0165?<\/b><\/p>\n<p><b>\u00a0<\/b><\/p>\n<p>\u010ci u\u017e pois\u0165ov\u0148a za vami poslala:<\/p>\n<ul>\n<li>\u00a0znalca<\/li>\n<li>forenzn\u00e9ho technika<\/li>\n<li>\u0161pecialistu, pr\u00edpadne in\u00fa podobn\u00fa osobu<\/li>\n<\/ul>\n<p>alebo \u0161etrenie poistnej udalosti trv\u00e1 pod\u013ea v\u00e1s dlho, <b>konzultujt<\/b>e svoju poistn\u00fa <b>udalos\u0165 s\u00a0nami<\/b>. Porad\u00edme v\u00e1m \u010do m\u00e1te spravi\u0165, aby pois\u0165ov\u0148a nezamietla poistn\u00e9 plnenie.<\/p>\n<p>\u00a0<\/p>\n<p>Ka\u017ed\u00fd z n\u00e1s ur\u010dite u\u017e po\u010dul v telev\u00edzii vetu: \u201eV\u0161etko \u010do poviete, M\u00d4\u017dE by\u0165 pou\u017eit\u00e9 proti v\u00e1m\u201c. Pri likvid\u00e1cii poistnej udalosti to plat\u00ed podobne s men\u0161\u00edm rozdielom<strong> \u201eV\u0161etko \u010do dolo\u017e\u00edte do likvida\u010dn\u00e9ho spisu, BUDE pou\u017eit\u00e9 proti v\u00e1m\u201c.<\/strong><\/p>\n<p>Preto nezab\u00fadajte, \u017ee predt\u00fdm, ako vypln\u00edte dotazn\u00edky a odpoviete na ot\u00e1zky pois\u0165ovne, pr\u00edpadne znalca, odkonzultujte si to s nami.<\/p>\n<p><b>S\u00fadny spor<\/b> s pois\u0165ovate\u013eom o zamietnut\u00e9 plnenie je \u010faleko <b>drah\u0161\u00ed<\/b> a\u00a0 <b>dlh\u0161ie<\/b> trvaj\u00faci, ako oslovi\u0165 sk\u00fasen\u00fdch odborn\u00edkov. <\/p>\n<h2>5. Platba\/ukon\u010denie likvid\u00e1cie<\/h2>\n<p>Po dokon\u010den\u00ed procesu likvid\u00e1cie poistnej udalosti v\u00e1s Komun\u00e1lna pois\u0165ov\u0148a bu\u010f <b>od\u0161kodn\u00ed<\/b>, alebo v\u00e1m ozn\u00e1mi svoje rozhodnutie, vr\u00e1tane pr\u00edpadn\u00e9ho <b>zamietnutia<\/b> plnenia. Ak <strong>nie ste spokojn\u00fd<\/strong> s rozhodnut\u00edm pois\u0165ovne, nev\u00e1hajte n\u00e1m zanecha\u0165 v\u00e1\u0161 kontakt alebo n\u00e1s kontaktova\u0165 priamo. Sme pripraven\u00ed <b>pom\u00f4c\u0165<\/b> v\u00e1m a zabezpe\u010di\u0165, \u017ee dostanete to, \u010do v\u00e1m pr\u00e1vom patr\u00ed .<\/p>\n<p>Pokia\u013e ste si u\u017e pre\u010d\u00edtali v\u00a0na\u0161om blogu v\u00fdznam v\u0161etk\u00fdch polo\u017eiek ktor\u00e9 sa pri <b>sledovan\u00ed stavu \u0161kody Komun\u00e1lnej pois\u0165ovne<\/b>\u00a0vyskytuj\u00fa, prekliknite sa priamo cez link a skontrolujte ako na tom je <a href=\"https:\/\/webcalc.koop.sk\/kpas\/hlasenia\/stav\">likvidovanie va\u0161ej poistnej udalosti.<\/a><\/p>\n<h2>Zanechajte n\u00e1m kontakt !<\/h2>\n<form id=\"forminator-module-2865\" class=\"forminator-custom-form forminator-custom-form-2865\" method=\"post\" data-forminator-render=\"0\" data-uid=\"6a0b1d5aeb2be\" 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>Audio \u00favod vegenerovan\u00fd pomocou AI V\u00a0tomto \u010dl\u00e1nku sa dozviete, \u010do znamenaj\u00fa jednotliv\u00e9 polo\u017eky pri sledovan\u00ed stavu poistnej udalosti, na \u010do [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1172,"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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