{"id":2455,"date":"2023-12-09T13:59:10","date_gmt":"2023-12-09T12:59:10","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=2455"},"modified":"2024-12-03T22:07:22","modified_gmt":"2024-12-03T20:07:22","slug":"vypocet-vseobecnej-hodnoty-vozidla-pri-totalnej-skode","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/vypocet-vseobecnej-hodnoty-vozidla-pri-totalnej-skode\/","title":{"rendered":"V\u00ddPO\u010cET V\u0160EOBECNEJ HODNOTY VOZIDLA PRI TOT\u00c1LNEJ \u0160KODE"},"content":{"rendered":"<style>\r\n .player2459  .plyr__controls,\r\n .player2459 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player2459{\r\n  margin: 0 auto; }\r\n .player2459 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player2459 .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 player2459\" \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_2023-12-09T12_57_02_Bella_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"2459\" \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=\"player2459\" id=\"player2459\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/12\/ElevenLabs_2023-12-09T12_57_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 vegenerovan\u00fd pomocou AI<\/p>\n<p><b>Ako si viete sami vypo\u010d\u00edta\u0165 v\u0161eobecn\u00fa hodnotu vozidla, inform\u00e1cie o\u00a0tom ako v\u00e1m vieme pom\u00f4c\u0165 a\u00a0z\u00edska\u0165 doplatok od pois\u0165ovne, ak\u00fd je rozdiel vo v\u0161eobecnej hodnote vozidla pri PZP a havarijnom poisten\u00ed? Ako v\u00e1m vieme pom\u00f4c\u0165 a\u00a0n\u00e1sledne z\u00edska\u0165 od pois\u0165ovne doplatok?<\/b>\u00a0Odpovede na v\u0161etky ot\u00e1zky n\u00e1jdete v tomto \u010dl\u00e1nku.<\/p>\n<style>\/*! elementor - v3.18.0 - 08-12-2023 *\/\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>Ako si sami viete vypo\u010d\u00edta\u0165 v\u0161eobecn\u00fa hodnotu vozidla?<\/h2>\n<p><b>V\u00fdpo\u010det v\u0161eobecnej hodnoty vozidla z\u00e1vis\u00ed od mno\u017estva faktorov:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">v\u00fdchodiskov\u00e1 hodnota vozidla, ktor\u00e1 sa ur\u010duje pod\u013ea nov\u00e9ho vozidla cenn\u00edkovej ceny u autorizovan\u00e9ho predajcu<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">po\u010det najazden\u00fdch kilometrov<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">doplnkov\u00e1 v\u00fdbava<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">sp\u00f4sob pou\u017eitia vozidla<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">dopyt trhu po danej zna\u010dke, danom modeli, \u010di motoriz\u00e1cie<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">platnos\u0165 technickej kontroly<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">rozsah vykonan\u00fdch opr\u00e1v na vozidle<\/li>\n<\/ul>\n<p>V\u0161eobecn\u00e1 hodnota vozidla sa vypo\u010d\u00edta v zmysle pr\u00edlohy \u010d. 6 vyhl\u00e1\u0161ky 492\/2004 Z. z. Jedn\u00e1 sa v\u0161ak o odborn\u00e9 \u010d\u00edtanie, ktor\u00e9 v\u00e1m zaberie nieko\u013eko hod\u00edn. Jednoduch\u0161\u00edm sp\u00f4sobom na v\u00fdpo\u010det s\u00fa\u00a0<b>online kalkula\u010dky<\/b>, ktor\u00e9 s\u00fa v\u0161ak vo v\u00e4\u010d\u0161ine pr\u00edpadoch spoplatnen\u00e9 a v\u00fdpo\u010dty, ktor\u00e9 v\u00e1m vygeneruj\u00fa len orienta\u010dn\u00e9. \u017diadna online kalkula\u010dka v\u00e1m nedok\u00e1\u017ee ur\u010di\u0165 spr\u00e1vne v\u0161eobecn\u00fa hodnotu v\u00e1\u0161ho vozidla, nako\u013eko zad\u00e1vanie vstupn\u00fdch parametrov je obmedzen\u00e9 iba na p\u00e1r z\u00e1kladn\u00fdch \u00fadajov o vozidle, ako s\u00fa zna\u010dka a model vozidla, rok v\u00fdroby a po\u010det najazden\u00fdch kilometrov.\u00a0K sum\u00e1m, ktor\u00e9 v\u00e1m online kalkula\u010dky vypo\u010d\u00edtaj\u00fa mus\u00edte pripo\u010d\u00edta\u0165, alebo odpo\u010d\u00edta\u0165 pribli\u017ene 30% v z\u00e1vislosti od toho, ak\u00fa m\u00e1te v\u00fdbavu vozidla. Online kalkula\u010dky preto na v\u00fdpo\u010det v\u0161eobecnej hodnoty vozidla\u00a0<b>neodpor\u00fa\u010dame<\/b>.<\/p>\n<h2>V akej v\u00fd\u0161ke m\u00e1 by\u0165 v\u0161eobecn\u00e1 hodnota stanoven\u00e1?<\/h2>\n<p>Pri tot\u00e1lnej \u0161kode sa v\u00e1m m\u00e1 dosta\u0165 plnenie v takej v\u00fd\u0161ke, \u017ee si za vyplaten\u00e9 poistn\u00e9 plnenie a predaj vraku vozidla dok\u00e1\u017eete zak\u00fapi\u0165\u00a0<b>rovnak\u00e9 vozidlo v nepo\u0161kodenom stave<\/b>, teda vozidlo rovnakej zna\u010dky, motoriz\u00e1cie, objemu motora, s pribli\u017ene rovnak\u00fdm stavom najazden\u00fdch kilometrov a v\u00fdbavou. Pois\u0165ovne pred t\u00fdm odpo\u010d\u00edtaj\u00fa zostatkov\u00fa hodnotu vraku vozidla, ktor\u00fd je mo\u017en\u00e9 spe\u0148a\u017ei\u0165, tak\u017ee rovnak\u00e9 vozidlo si budete m\u00f4c\u0165 zak\u00fapi\u0165 a\u017e po odpredan\u00ed t\u00fdchto pou\u017eite\u013en\u00fdch zvy\u0161kov.\u00a0<b>O tejto t\u00e9me sa viac do\u010d\u00edtate v \u010dl\u00e1nku\u00a0<\/b><a href=\"https:\/\/pokus.aider.sk\/en\/ako-poistovne-urcuju-hodnotu-zvyskov-vozidla-pri-totalnej-skode\/\"><b>Ako pois\u0165ovne ur\u010duj\u00fa hodnotu zvy\u0161kov vozidla pri tot\u00e1lnej \u0161kode<\/b><\/a><b>.<\/b><\/p>\n<h2>Ak\u00fd je rozdiel vo v\u0161eobecnej hodnote vozidla pri PZP a havarijnom poisten\u00ed?<\/h2>\n<p>V prvom rade si treba uvedomi\u0165, \u017ee z PZP sa v\u00e1m uhr\u00e1dza skuto\u010dn\u00e1 \u0161koda, \u010di\u017ee \u0161koda pod\u013ea ob\u010dianskeho z\u00e1konn\u00edka. Tento n\u00e1rok nez\u00e1vis\u00ed od toho, u koho mal vinn\u00edk PZP uzatvoren\u00e9. V pr\u00edpade havarijn\u00e9ho poistenia to ale u\u017e tak jednozna\u010dn\u00e9 nie je, a to z d\u00f4vodu, \u017ee poistn\u00fd vz\u0165ah a v\u00fd\u0161ka poistn\u00e9ho plnenia sa po\u010d\u00edta priamo z parametrov poistnej zmluvy a pr\u00edslu\u0161n\u00fdch poistn\u00fdch podmienok.<\/p>\n<p><b>V\u00fdchodiskov\u00e1 hodnota vozidla (VHV)<\/b>\u00a0je pre cel\u00fd v\u00fdpo\u010det k\u013e\u00fa\u010dov\u00e1, nako\u013eko z tejto sumy sa vypo\u010d\u00edta technick\u00e1 hodnota (TH), ktor\u00e1 predstavuje hodnotu vozidla po zoh\u013eadnen\u00ed amortiz\u00e1cie. Z technickej hodnoty sa tak vypo\u010d\u00edta v\u0161eobecn\u00e1 hodnota (V\u0160H), v ktorej je zoh\u013eadnen\u00fd koeficient predajnosti (kp). Pri PZP by pois\u0165ovne mali stanovi\u0165 t\u00fato v\u00fdchodiskov\u00fa hodnotu ako posledn\u00fa cenn\u00edkov\u00fa cenu dan\u00e9ho modelu u autorizovan\u00e9ho predajcu. Pri havarijnom poisten\u00ed, by pois\u0165ovne mali vych\u00e1dza\u0165 z poistnej sumy, ktor\u00fa ste si dojednali v poistnej zmluve. Tu plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161ia poistn\u00e1 suma vozidla, t\u00fdm vy\u0161\u0161ie platby za poistenie, no t\u00fdm aj vy\u0161\u0161ie poistn\u00e9 plnenie. Preto je d\u00f4le\u017eit\u00e9 nepozera\u0165 pri v\u00fdbere poistenia iba na v\u00fdsledn\u00fa ro\u010dn\u00fa platbu.\u00a0<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>Vypo\u010d\u00edtame pre v\u00e1s z\u00e1v\u00e4zne v\u0161eobecn\u00fa hodnotu vozidla po nehode<\/h2>\n<p>Najistej\u0161ou mo\u017enos\u0165ou ako zisti\u0165 skuto\u010dn\u00fa V\u0160H vozidla je vyu\u017ei\u0165 pomoc znalca, my disponujeme t\u00edmom znalcov ktor\u00ed s\u00fa odborn\u00edkmi v\u00a0oblasti cestnej dopravy a\u00a0radi v\u00e1m v\u00a0tejto situ\u00e1ci\u00ed pom\u00f4\u017eeme .<\/p>\n<p>Vypo\u010d\u00edtame pre v\u00e1s v\u0161eobecn\u00fa hodnotu, pokia\u013e sa v\u00fd\u0161ka bude odli\u0161ova\u0165 od tej, ktor\u00fa stanovila pois\u0165ov\u0148a, tak zabezpe\u010d\u00edme jej doplatenie a\u00a0v\u0161etko za v\u00e1s s\u00a0pois\u0165ov\u0148ou dorie\u0161ime na na\u0161e n\u00e1klady a\u00a0zodpovednos\u0165.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vegenerovan\u00fd pomocou AI Ako si viete sami vypo\u010d\u00edta\u0165 v\u0161eobecn\u00fa hodnotu vozidla, inform\u00e1cie o\u00a0tom ako v\u00e1m vieme pom\u00f4c\u0165 a\u00a0z\u00edska\u0165 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":2457,"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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