{"id":1640,"date":"2023-09-29T09:29:08","date_gmt":"2023-09-29T07:29:08","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1640"},"modified":"2023-12-18T10:52:05","modified_gmt":"2023-12-18T09:52:05","slug":"kdy-a-jak-vam-pomuze-pojisteni-odpovednosti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/kdy-a-jak-vam-pomuze-pojisteni-odpovednosti\/","title":{"rendered":"Kdy a jak v\u00e1m pom\u016f\u017ee poji\u0161t\u011bn\u00ed odpov\u011bdnosti?"},"content":{"rendered":"\n

Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana by m\u011blo b\u00fdt samoz\u0159ejmost\u00ed pro ka\u017ed\u00e9ho z n\u00e1s. I ten nej\u0161ikovn\u011bj\u0161\u00ed \u010dlov\u011bk se toti\u017e \u010das od \u010dasu nevyhne zp\u016fsoben\u00ed n\u011bjak\u00e9 nehody. Nemus\u00ed j\u00edt o \u0161kodu \u201cjen\u201d za p\u011btistovku. Sta\u010d\u00ed m\u00edt smoln\u00fd den a n\u00e1hrada \u0161kody za v\u00e1mi zp\u016fsoben\u00e9 ne\u0161t\u011bst\u00ed m\u016f\u017ee vy\u0161plhat a\u017e do milion\u016f korun. S poji\u0161t\u011bn\u00edm odpov\u011bdnosti, tedy takzvanou \u201cpojistkou na blbost\u201d, m\u016f\u017eete z\u016fstat v klidu.  <\/p>\n\n\n\n

Na co se vztahuje poji\u0161t\u011bn\u00ed odpov\u011bdnosti? <\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti slou\u017e\u00ed k va\u0161\u00ed ochran\u011b p\u0159ed n\u00e1hradou \u0161kody, kterou ne\u00famysln\u011b zp\u016fsob\u00edte n\u011bkomu jin\u00e9mu na zdrav\u00ed nebo na majetku. Dob\u0159e nastaven\u00e9 poji\u0161t\u011bn\u00ed pokryje \u0161kody zp\u016fsoben\u00e9 v\u00e1mi, \u010dleny va\u0161\u00ed dom\u00e1cnosti (tedy i d\u011btmi), va\u0161\u00edm majetkem nebo i va\u0161\u00edm dom\u00e1c\u00edm mazl\u00ed\u010dkem. Poji\u0161t\u011bn\u00ed s optim\u00e1ln\u00edm kryt\u00edm rizik po cel\u00e9 Evrop\u011b a pojistn\u00fdm limitem 5 milion\u016f<\/strong> korun nav\u00edc m\u016f\u017eete sjednat jen za tis\u00edc korun ro\u010dn\u011b<\/strong>. <\/p>\n\n\n\n

\u0160kody na ciz\u00edm majetku<\/h2>\n\n\n\n

Praskla v\u00e1m p\u0159\u00edvodn\u00ed hadice nebo jste r\u00e1no nechali vodu pu\u0161t\u011bnou a p\u0159i n\u00e1vratu z pr\u00e1ce u\u017e klou\u017eete po chodb\u011b? Jako kdybyste nem\u011bli dost starost\u00ed se \u0161kodami na vlastn\u00edm bytu, je\u0161t\u011b mus\u00edte \u0159e\u0161it n\u00e1hradu \u0161kody majiteli bytu pod v\u00e1mi. P\u0159itom ale sta\u010d\u00ed jen poji\u0161\u0165ovn\u011b dolo\u017eit sousedovy fotografie \u0161kod a \u00fa\u010dtenky <\/strong>od v\u011bc\u00ed, kter\u00e9 se po\u0161kodily, p\u0159\u00edpadn\u011b podepsat \u010destn\u00e9 prohl\u00e1\u0161en\u00ed, kdy\u017e doklad o koupi u\u017e nen\u00ed dohledateln\u00fd. \u0160koda ale vznikne i ve va\u0161em byt\u011b. Co kdy\u017e bydl\u00edte v n\u00e1jmu a \u0161kodu mus\u00edte nahradit sv\u00e9mu pronaj\u00edmateli? K z\u00e1kladn\u00ed odpov\u011bdnosti si m\u016f\u017eete p\u0159ipojistit kryt\u00ed \u0161kod na pronajat\u00fdch v\u011bcech<\/strong>. <\/p>\n\n\n\n

Nemus\u00ed j\u00edt v\u017edy zrovna o \u0161kodu v dom\u00e1cnosti. Co t\u0159eba shozen\u00ed zbo\u017e\u00ed z reg\u00e1lu v obchod\u011b nebo polit\u00ed ru\u010dn\u011b v\u00e1zan\u00e9ho persk\u00e9ho koberce na n\u00e1v\u0161t\u011bv\u011b u p\u0159\u00e1tel? I to z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> kryje. \u010casto doch\u00e1z\u00ed tak\u00e9 k nehod\u00e1m souvisej\u00edc\u00edm s drobnou elektronikou, p\u0159edev\u0161\u00edm s mobily a tablety. Na takov\u00e9 situace poji\u0161\u0165ovny pamatuj\u00ed a nab\u00edz\u00ed pro tento \u00fa\u010del p\u0159ipoji\u0161t\u011bn\u00ed \u0161kod na drobn\u00e9 elektronice.<\/strong> Samostatnou kapitolou jsou pak zv\u00ed\u0159ata a \u0161kody zp\u016fsoben\u00e9 jimi, jako t\u0159eba pokous\u00e1n\u00ed ciz\u00edho mazl\u00ed\u010dka va\u0161\u00edm psem. Pokud takov\u00e1 situace hroz\u00ed, sta\u010d\u00ed jen p\u0159ipojistit odpov\u011bdnost za \u0161kody zp\u016fsoben\u00e9 zv\u00ed\u0159etem<\/strong>. <\/p>\n\n\n\n

\u00dajma na zdrav\u00ed jin\u00e9ho \u010dlov\u011bka<\/h2>\n\n\n\n

Nehody kon\u010d\u00edc\u00ed \u00farazem jsou v b\u011b\u017en\u00e9m \u017eivot\u011b na ka\u017edodenn\u00edm po\u0159\u00e1dku, dvojn\u00e1sob to plat\u00ed ve sportu. Na sjezdovce m\u016f\u017ee snadno doj\u00edt ke sr\u00e1\u017ece dvou ly\u017ea\u0159\u016f nebo snowboardist\u016f. Zvl\u00e1\u0161\u0165 \u010dast\u00e9 jsou podobn\u00e9 nehody u za\u010d\u00e1te\u010dn\u00edk\u016f nebo d\u011bt\u00ed. V\u00fdsledkem takov\u00e9 sr\u00e1\u017eky m\u016f\u017ee b\u00fdt nejen zlomen\u00e1 ruka nebo ot\u0159es mozku, ale i v\u00e1\u017en\u011bj\u0161\u00ed zdravotn\u00ed pot\u00ed\u017ee s trval\u00fdmi n\u00e1sledky<\/strong>. Pokud jste nehodu zavinili vy (nebo t\u0159eba va\u0161e d\u00edt\u011b), je va\u0161\u00ed povinnost\u00ed \u00fajmu na zdrav\u00ed po\u0161kozen\u00e9mu nahradit. Nejste fandou zimn\u00edch sport\u016f? Pokud rad\u011bji tr\u00e1v\u00edte \u010das cyklistikou, poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1m m\u016f\u017ee tak\u00e9 v\u00fdznamn\u011b uleh\u010dit \u017eivot. I j\u00edzdou na kole m\u016f\u017eete n\u011bkomu ubl\u00ed\u017eit, a to p\u0159edev\u0161\u00edm chodc\u016fm nebo jin\u00fdm cyklist\u016fm. <\/p>\n\n\n\n

Pokud nav\u00edc m\u00e1te d\u016fm nebo jinou stavbu, v\u011bnujte tak\u00e9 pozornost poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti. Za ta\u0161ku padaj\u00edc\u00ed z va\u0161\u00ed st\u0159echy a p\u0159\u00edpadn\u00e9 zran\u011bn\u00ed kolemjdouc\u00edho jste jako majitel\u00e9 nemovitosti odpov\u011bdn\u00ed vy. Bolestn\u00e9, n\u00e1hrada za ztr\u00e1tu na v\u00fdd\u011blku nebo u\u0161l\u00fd zisk, n\u00e1hrada za zt\u00ed\u017een\u00ed spole\u010densk\u00e9ho uplatn\u011bn\u00ed nebo za 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 m\u016f\u017ee dosahovat i milionov\u00fdch \u010d\u00e1stek.<\/p>\n\n\n\n

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Sr\u00e1\u017eka cyklisty s chodcem, kter\u00e1 vede k invalidit\u011b III. stupn\u011b, m\u016f\u017ee vin\u00edka p\u0159ij\u00edt a\u017e na 10 milion\u016f korun. Nepodce\u0148ujte rizika v\u0161edn\u00edho \u017eivota a sjednejte si pojistku je\u0161t\u011b dnes. Srovnejte si nab\u00eddky poji\u0161t\u011bn\u00ed odpov\u011bdnosti \u2013 zabere v\u00e1m to jen minutu! <\/em><\/p>\n\n\n\n

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Srovnat poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Regresy poji\u0161\u0165oven a org\u00e1n\u016f st\u00e1tn\u00ed spr\u00e1vy<\/h2>\n\n\n\n

Co je regres, neboli regresn\u00ed n\u00e1rok? Jedn\u00e1 se o n\u00e1hradu pln\u011bn\u00ed, kter\u00e9 poskytla jin\u00e1 strana<\/strong> (zdravotn\u00ed poji\u0161\u0165ovna, spr\u00e1vn\u00ed org\u00e1n) za osobu, kter\u00e1 by jinak musela plnit sama, proto\u017ee vzniklou \u0161kodu zavinila. Pokud n\u011bkomu zp\u016fsob\u00edte \u00fajmu na zdrav\u00ed, zdravotn\u00ed poji\u0161\u0165ovna d\u00edky syst\u00e9mu ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed o\u0161et\u0159en\u00ed \u00farazu uhrad\u00ed. Proto\u017ee by ale \u00faraz nevznikl bez z\u00e1sahu jin\u00e9 osoby, postihne ji za to. N\u00e1hrada \u0161kody pak n\u00e1le\u017e\u00ed pr\u00e1v\u011b poji\u0161\u0165ovn\u011b. U org\u00e1n\u016f st\u00e1tn\u00ed spr\u00e1vy se bude jednat nap\u0159\u00edklad o vyplacen\u00e9 d\u00e1vky v pracovn\u00ed neschopnosti, kterou jste jin\u00e9mu vlastn\u00ed vinou zp\u016fsobili. <\/p>\n\n\n\n

Regresy mohou znamenat nemal\u00e9 v\u00fddaje a mo\u017en\u00e1 si ani jejich placen\u00ed nebudete moci v p\u0159\u00edpad\u011b zp\u016fsoben\u00ed v\u00e1\u017en\u011bj\u0161\u00ed \u00fajmy dovolit. P\u0159ed t\u011bmito n\u00e1klady v\u00e1s ale poji\u0161t\u011bn\u00ed odpov\u011bdnosti tak\u00e9 uchr\u00e1n\u00ed. <\/p>\n\n\n\n

Kdy v\u00e1m poji\u0161t\u011bn\u00ed odpov\u011bdnosti nepom\u016f\u017ee<\/h2>\n\n\n\n

D\u00e1vejte pozor na v\u00fdluky<\/strong> z poji\u0161t\u011bn\u00ed, kter\u00e9 najdete v pojistn\u00fdch podm\u00ednk\u00e1ch. Ty se mohou mezi jednotliv\u00fdmi poji\u0161\u0165ovnami li\u0161it, n\u011bkter\u00e1 omezen\u00ed ale najdete v\u0161ude. Poji\u0161t\u011bn\u00ed obecn\u011b nekryje \u0161kody, kter\u00e9 si zp\u016fsob\u00edte navz\u00e1jem s jin\u00fdm \u010dlenem dom\u00e1cnost<\/strong>i. Pokud tedy upust\u00edte a rozbijete mobil sv\u00e9ho partnera nebo dokonce sv\u016fj, nem\u00e1te na pln\u011bn\u00ed od poji\u0161\u0165ovny n\u00e1rok.  Pojistka se nevztahuje ani na \u0161kody zp\u016fsoben\u00e9 komukoliv \u00famysln\u011b<\/strong>, poru\u0161en\u00edm<\/strong> pr\u00e1vn\u00edch p\u0159edpis\u016f nebo pod vlivem<\/strong> alkoholu a psychotropn\u00edch nebo omamn\u00fdch l\u00e1tek. Z povahy v\u011bci tak\u00e9 nezahrnuje \u0161kody zp\u016fsoben\u00e9 \u0159\u00edzen\u00edm motorov\u00fdch vozidel, proto\u017ee k tomu slou\u017e\u00ed v\u00e1m dob\u0159e zn\u00e1m\u00e9 povinn\u00e9 ru\u010den\u00ed<\/a>.<\/p>\n\n\n\n

V\u011bnujte tak\u00e9 pozornost \u00fazemn\u00ed platnosti va\u0161\u00ed pojistky. Poji\u0161\u0165ovny nab\u00edz\u00ed roz\u0161\u00ed\u0159en\u00ed platnosti nejen na Evropu, ale i cel\u00fd sv\u011bt. Pokud se do zahrani\u010d\u00ed vyd\u00e1v\u00e1te jen ob\u010das, odpov\u011bdnost za \u0161kodu v zahrani\u010d\u00ed si m\u016f\u017eete pojistit v r\u00e1mci b\u011b\u017en\u00e9ho cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a>.  <\/p>\n\n\n\n

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Srovnat poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana by m\u011blo b\u00fdt samoz\u0159ejmost\u00ed pro ka\u017ed\u00e9ho z n\u00e1s. I ten nej\u0161ikovn\u011bj\u0161\u00ed \u010dlov\u011bk se toti\u017e \u010das od \u010dasu nevyhne zp\u016fsoben\u00ed n\u011bjak\u00e9 nehody. Nemus\u00ed j\u00edt o \u0161kodu \u201cjen\u201d za p\u011btistovku. Sta\u010d\u00ed m\u00edt smoln\u00fd den a n\u00e1hrada \u0161kody za v\u00e1mi zp\u016fsoben\u00e9 ne\u0161t\u011bst\u00ed m\u016f\u017ee vy\u0161plhat a\u017e do milion\u016f korun. S poji\u0161t\u011bn\u00edm odpov\u011bdnosti, tedy takzvanou \u201cpojistkou na blbost\u201d, m\u016f\u017eete z\u016fstat v klidu.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":1642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[48,7],"tags":[45],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1640"}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1640"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1640\/revisions"}],"predecessor-version":[{"id":1657,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1640\/revisions\/1657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1642"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}