{"id":1243,"date":"2023-04-06T16:27:34","date_gmt":"2023-04-06T14:27:34","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1243"},"modified":"2023-11-24T16:46:11","modified_gmt":"2023-11-24T15:46:11","slug":"vse-o-pojisteni-odpovednosti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/vse-o-pojisteni-odpovednosti\/","title":{"rendered":"V\u0161e o poji\u0161t\u011bn\u00ed odpov\u011bdnosti \u2013 co to je a pro\u010d ho m\u00edt"},"content":{"rendered":"\n<p>Praskla v\u00e1m hadi\u010dka u vodovodn\u00ed baterie a vytopili jste sousedy. Va\u0161e d\u00edt\u011b v obchod\u011b s elektronikou shodilo vystaven\u00fd televizor. V zam\u011bstn\u00e1n\u00ed jste se u\u0165ukli p\u0159i zad\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edkova po\u017eadavku do v\u00fdroby a va\u0161e firma vyrobila 150 kus\u016f m\u00edsto popt\u00e1van\u00fdch 15. Jednodu\u0161e: <strong>zp\u016fsobili jste n\u011bkomu \u0161kodu a on po v\u00e1s te\u010f \u017e\u00e1d\u00e1 jej\u00ed kompenzaci<\/strong>. Pro chv\u00edle, kdy se v\u00e1m sm\u016fla lep\u00ed na paty, je tu poji\u0161t\u011bn\u00ed odpov\u011bdnosti. A na to se dnes pod\u00edv\u00e1me podrobn\u011bji.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je to poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s chr\u00e1n\u00ed p\u0159ed \u0161kodou na majetku nebo zdrav\u00ed, kter\u00e9 <strong>ne\u00famysln\u011b zp\u016fsob\u00edte t\u0159et\u00ed stran\u011b<\/strong>. Podle toho, v jak\u00e9m vztahu jste vy a po\u0161kozen\u00e1 strana, se pak poji\u0161t\u011bn\u00ed odpov\u011bdnosti rozd\u011bluje na dal\u0161\u00ed druhy (poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana \/ zam\u011bstnance p\u0159i v\u00fdkonu povol\u00e1n\u00ed \/ podnikatele atd.).&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak poji\u0161t\u011bn\u00ed funguje<\/h3>\n\n\n\n<p>Podle ob\u010dansk\u00e9ho z\u00e1kon\u00edku odpov\u00edd\u00e1te za v\u00fd\u0161e zm\u00edn\u011bn\u00e1 ne\u0161t\u011bst\u00ed. \u010c\u00e1stky, kter\u00e9 po v\u00e1s m\u016f\u017ee po\u0161kozen\u00fd vym\u00e1hat, maj\u00ed sice sv\u016fj strop, ale jeho v\u00fd\u0161e v\u00e1s rozhodn\u011b neuklidn\u00ed.<\/p>\n\n\n\n<p>Um\u00edte si nap\u0159\u00edklad tipnout, kolik pen\u011bz po v\u00e1s m\u016f\u017ee cht\u00edt poz\u016fstal\u00fd v p\u0159\u00edpad\u011b ne\u00famysln\u00e9ho zabit\u00ed autem? Cenu ztr\u00e1ty lidsk\u00e9ho \u017eivota Nejvy\u0161\u0161\u00ed soud \u010cR vy\u010d\u00edslil na v\u00edce ne\u017e <strong>10,5 milionu korun<\/strong>. To je cifra, na kterou ob\u010dan s pr\u016fm\u011brnou mzdou vyd\u011bl\u00e1v\u00e1 zhruba 22 let.<\/p>\n\n\n\n<p>N\u00e1\u0161 \u0161karohl\u00eddsk\u00fd sc\u00e9n\u00e1\u0159 v\u00e1s nem\u00e1 vystra\u0161it, ale p\u0159esv\u011bd\u010dit o tom, \u017ee si <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> rozhodn\u011b zaslou\u017e\u00ed va\u0161i pozornost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co v\u0161e se z poji\u0161t\u011bn\u00ed odpov\u011bdnosti hrad\u00ed<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnost\u00ed hrad\u00ed \u00fajmu:<\/p>\n\n\n\n<ul>\n<li>na zdrav\u00ed \u010dlov\u011bka (bolestn\u00e9, zt\u00ed\u017een\u00ed spole\u010densk\u00e9ho uplatn\u011bn\u00ed du\u0161evn\u00ed \u00fatrapy bl\u00edzk\u00fdch osob v p\u0159\u00edpad\u011b usmrcen\u00ed \u010di v\u00e1\u017en\u00e9ho ubl\u00ed\u017een\u00ed na zdrav\u00ed<\/li>\n\n\n\n<li>na v\u011bci nemovit\u00e9 i movit\u00e9 (po\u0161kozen\u00ed, znehodnocen\u00ed, zni\u010den\u00ed, ztr\u00e1ta, finan\u010dn\u00ed \u0161kody)<\/li>\n\n\n\n<li>na \u017eiv\u00e9m zv\u00ed\u0159eti (usmrcen\u00ed, ztr\u00e1ta, zran\u011bn\u00ed zv\u00ed\u0159ete, finan\u010dn\u00ed \u0161kody)<\/li>\n<\/ul>\n\n\n\n<p><strong>Poji\u0161\u0165ovna za v\u00e1s \u0161kodu zaplat\u00ed a\u017e do v\u00fd\u0161e limitu<\/strong>, kter\u00fd m\u00e1te ve smlouv\u011b. Pokud dojde i k soudn\u00edmu \u0159\u00edzen\u00ed s po\u0161kozenou stranou, pojistka m\u016f\u017ee zaplatit i n\u011bkter\u00e9 z n\u00e1klad\u016f s n\u00edm spjat\u00fdch (pr\u00e1vn\u00ed slu\u017eby apod.).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d a kdo by si m\u011bl sjednat poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h2>\n\n\n\n<p>S trochu nads\u00e1zky lze \u0159\u00edct, \u017ee poji\u0161t\u011bn\u00ed odpov\u011bdnosti je vhodn\u00e9 pro ka\u017ed\u00e9ho z n\u00e1s. V\u011bt\u0161ina z n\u00e1s v \u017eivot\u011b vystupuje v r\u016fzn\u00fdch \u017eivotn\u00edch rol\u00edch, je\u017e p\u0159in\u00e1\u0161\u00ed \u0159adu nep\u0159edv\u00eddateln\u00fdch situac\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ob\u010dan\u00e9 aneb pojistka na blbost<\/h3>\n\n\n\n<p>Nej\u010dast\u011bji uzav\u00edran\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti. Skv\u011bl\u00e1 zpr\u00e1va je, \u017ee poji\u0161t\u011bn\u00ed se vztahuje nejen na nehody zp\u016fsoben\u00e9 p\u0159\u00edmo v\u00e1mi, ale i na pat\u00e1lie zavin\u011bn\u00e9 \u010dleny va\u0161\u00ed dom\u00e1cnosti (v\u010detn\u011b d\u011bt\u00ed) nebo \u201cva\u0161\u00edm majetkem\u201d (byty, domy, n\u011bkdy i zv\u00ed\u0159ata). N\u011bkoho vytop\u00edte, ne\u00famysln\u011b rozbijete nebo po\u0161kod\u00edte vybaven\u00ed pronajat\u00e9ho bytu, n\u011bco shod\u00edte\u2026 pro tyto p\u0159\u00edpady je tu pojistka na blbost.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/lh3.googleusercontent.com\/FVJkIt12qAnNxjNx8Ge1O1tXtbufXs-lWZcD5sxasIw0GplOavkgLtqBk2G6WdBRMpPfJ0-o9j-4e8dju7IpSmAF44I8iV2yEDtDO581ongXpHP8JUfqons_-Tqnpxkt0maBc7Q1qEIQcvbVTXIMOYs\" alt=\"\" \/><figcaption class=\"wp-element-caption\"><em>P\u0159\u00edklad srovn\u00e1n\u00ed nab\u00eddek poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti, kter\u00e9 dostanete u n\u00e1s na rixo.cz<\/em><\/figcaption><\/figure>\n\n\n\n<p><em>P\u0159\u00edklad srovn\u00e1n\u00ed nab\u00eddek poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti, kter\u00e9 dostanete u n\u00e1s na rixo.cz<\/em><\/p>\n\n\n\n<p>Jak\u00fd limit pojistn\u00e9ho pln\u011bn\u00ed volit? <strong>My doporu\u010dujeme alespo\u0148 5 milion\u016f K\u010d<\/strong>. P\u0159i takov\u00e9 \u010d\u00e1stce m\u016f\u017eete o\u010dek\u00e1vat, \u017ee poji\u0161t\u011bn\u00ed bude st\u00e1t kolem tis\u00edcovky ro\u010dn\u011b. To je p\u0159\u00edzniv\u00e1 cena za klidn\u00fd sp\u00e1nek, nemysl\u00edte?<\/p>\n\n\n\n<p>V\u017edy si p\u0159ed sjedn\u00e1n\u00edm pojistky<strong> ov\u011b\u0159te rozsah kryt\u00ed a v\u00fdluky z n\u011bj<\/strong>, kv\u016fli kter\u00fdm pak pojistn\u00e9 pln\u011bn\u00ed poji\u0161\u0165ovna nevyplat\u00ed. M\u00e1te poji\u0161t\u011bn\u00e9 i \u0161kody zp\u016fsoben\u00e9 zv\u00ed\u0159aty? Jsou poji\u0161t\u011bn\u00e9 i ly\u017ee, kter\u00e9 jste si p\u016fj\u010dili v p\u016fj\u010dovn\u011b na svahu? Existuje n\u011bjak\u00fd v\u011bkov\u00fd limit pro va\u0161e potomky, po jeho\u017e dosa\u017een\u00ed u\u017e se na n\u011b va\u0161\u00ed pojistky na blbost u\u017e nevztahuje? Pokud si poji\u0161t\u011bn\u00ed srovn\u00e1te u n\u00e1s, na v\u0161e v\u00e1m ochotn\u011b odpov\u00ed na\u0161i specialist\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\" style=\"background-color:#ff8500\">Srovnejte si poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Co pojistka na blbost nikdy nekryje?<\/h4>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana v\u00e1s nezachr\u00e1n\u00ed v p\u0159\u00edpad\u011b \u0161kod:<\/p>\n\n\n\n<ul>\n<li>kter\u00e9 si zp\u016fsob\u00edte navz\u00e1jem s jin\u00fdm \u010dlenem dom\u00e1cnosti<\/li>\n\n\n\n<li>zp\u016fsoben\u00fdch \u00famysln\u011b nebo z hrub\u00e9 nedbalosti<\/li>\n\n\n\n<li>zp\u016fsoben\u00fdch mimo \u00fazem\u00ed \u010cR nebo Evropy.<\/li>\n\n\n\n<li>vznikl\u00fdch pod vlivem alkoholu nebo jin\u00fdch omamn\u00fdch l\u00e1tek<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Zam\u011bstnanci<\/h3>\n\n\n\n<p><strong>Pozor si dejte na \u010dast\u00fd omyl poji\u0161t\u011bnc\u016f, kte\u0159\u00ed se spol\u00e9haj\u00ed na pojistku na blbost i v pr\u00e1ci. <\/strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010danu nezahrnuje \u0161kodu, kterou zp\u016fsob\u00edte sv\u00e9mu zam\u011bstnavateli (t\u0159eba rozbijete drah\u00fd v\u00fdrobn\u00ed stroj nebo polijete sv\u016fj pracovn\u00ed notebook). Ten po v\u00e1s pak m\u016f\u017ee po\u017eadovat n\u00e1hradu a\u017e do 4,5n\u00e1sobku va\u0161\u00ed pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed mzdy.<\/p>\n\n\n\n<p>Takov\u00e9 katastrofy pokr\u00fdv\u00e1 <strong>(p\u0159i)poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli <\/strong>(tak\u00e9 zn\u00e1m\u00e9 pod zkratkou \u201czamzam\u201d).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/lh6.googleusercontent.com\/qSZfcY1C85h769MoRDEF8GQQIRmqSzlidG3wGU9g2Q-1E_OSUA7GEsZBISrCgOczVRnNTCddUnG2gEySSwXC5KYKSqDEe4R__EnbIHnYVFrXejc5KwocCCaGnS9--gNhlBixsA-D7zW5pzZ7qvuvpdM\" alt=\"\" \/><figcaption class=\"wp-element-caption\"><em>P\u0159\u00edklad srovn\u00e1n\u00ed nab\u00eddek poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli, kter\u00e9 dostanete u n\u00e1s na rixo.cz Ilustra\u010dn\u00ed srovn\u00e1n\u00ed zachycuje situaci, kdy zam\u011bstnanec neobsluhuje motorov\u00e1 vozidla zam\u011bstnavatele a pracuje v \u010cesku. Pr\u016fm\u011brn\u00e1 hrub\u00e1 mzda zam\u011bstnance \u010din\u00ed 40 000 K\u010d.<\/em><\/figcaption><\/figure>\n\n\n\n<p>TIP: <strong>Jako prvn\u00ed na trhu online srovn\u00e1va\u010d\u016f sjedn\u00e1v\u00e1me online tak\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/strong> za \u0161kodu zp\u016fsobenou zam\u011bstnavatele. Vyzkou\u0161ejte to!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\" style=\"background-color:#1aaf5e\">Srovnejte si poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Podnikatel\u00e9<\/h3>\n\n\n\n<p>Jste OSV\u010c? Pak nepot\u0159ebujete \u201czamzamku\u201d, ale poji\u0161t\u011bn\u00ed odpov\u011bdnosti podnikatele. N\u011bkter\u00e1 povol\u00e1n\u00ed si toto poji\u0161t\u011bn\u00ed mus\u00ed sjednat ze z\u00e1kona. Pat\u0159\u00edte-li k l\u00e9ka\u0159\u016fm, advok\u00e1t\u016fm, not\u00e1\u0159\u016fm, architekt\u016fm a dal\u0161\u00edm skupin\u00e1m,&nbsp; ne\u0159\u00edk\u00e1me v\u00e1m nic nov\u00e9ho.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159\u00edklady z praxe, kdy poji\u0161t\u011bn\u00ed odpov\u011bdnosti pomohlo<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00e1\u0161niv\u00fd cyklista<\/h3>\n\n\n\n<p>Pat\u0159\u00edte k pejska\u0159\u016fm a u\u017e\u00edv\u00e1te si proch\u00e1zku zalitou sluncem. Do chv\u00edle, ne\u017e se v\u00e1\u0161 \u010dty\u0159noh\u00fd mil\u00e1\u010dek chvilkov\u011b zbl\u00e1zn\u00ed a vb\u011bhne pod kola cyklistovi v pruhu vyhrazen\u00e9m pr\u00e1v\u011b kol\u016fm. Ten v zoufal\u00e9 snaze neohrozit pejska strhne \u0159\u00edd\u00edtka a let\u00ed p\u0159es \u0159\u00edd\u00edtka.&nbsp;<\/p>\n\n\n\n<p>Pokud m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti, m\u016f\u017eete se o n\u011bj s klidem op\u0159\u00edt. Va\u0161e poji\u0161\u0165ovna vzniklou \u0161kodu nahrad\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nezkrotn\u00e1 je\u0161t\u011brka<\/h3>\n\n\n\n<p>Nastoupili jste na pozici skladn\u00edka v nov\u00e9m zam\u011bstn\u00e1n\u00ed. Pr\u00e1ce v\u00e1m po v\u0161ech str\u00e1nk\u00e1ch vyhovuje. O to v\u011bt\u0161\u00ed horko v\u00e1s polije ve chv\u00edli, kdy je\u0161t\u011brkou vraz\u00edte do reg\u00e1lu a po\u0161kod\u00edte zbo\u017e\u00ed v hodnot\u011b 80 000 K\u010d.<\/p>\n\n\n\n<p>Na\u0161t\u011bst\u00ed jste si v\u010das sjednali poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli.<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"460\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Praskla v\u00e1m hadi\u010dka u vodovodn\u00ed baterie a vytopili jste sousedy. Va\u0161e d\u00edt\u011b v obchod\u011b s elektronikou shodilo vystaven\u00fd televizor. V zam\u011bstn\u00e1n\u00ed jste se u\u0165ukli p\u0159i zad\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edkova po\u017eadavku do v\u00fdroby a va\u0161e firma vyrobila 150 kus\u016f m\u00edsto popt\u00e1van\u00fdch 15. Pro takov\u00e9 chv\u00edle je tu poji\u0161t\u011bn\u00ed odpov\u011bdnosti.<\/p>\n","protected":false},"author":6,"featured_media":1245,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[9,48,7],"tags":[45,46],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1243"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1243"}],"version-history":[{"count":26,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1243\/revisions"}],"predecessor-version":[{"id":1286,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1243\/revisions\/1286"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1245"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}