{"id":3027,"date":"2025-02-28T09:14:39","date_gmt":"2025-02-28T08:14:39","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3027"},"modified":"2025-05-28T14:47:32","modified_gmt":"2025-05-28T12:47:32","slug":"nehoda-spoluvina","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nehoda-spoluvina\/","title":{"rendered":"Nehoda 50:50? Pokud zbyte\u010dn\u011b p\u0159izn\u00e1te spoluvinu, m\u016f\u017eete p\u0159ij\u00edt o pen\u00edze i bonusy"},"content":{"rendered":"\n<p>Nehody, kde se ned\u00e1 ur\u010dit jednozna\u010dn\u00fd vin\u00edk, tvo\u0159\u00ed v\u00fdznamnou \u010d\u00e1st pojistn\u00fdch ud\u00e1lost\u00ed v povinn\u00e9m ru\u010den\u00ed. Pokud si ale zavin\u011bn\u00edm nejste jist\u00ed a mysl\u00edte si, \u017ee jste nehoda ani \u010d\u00e1ste\u010dn\u011b nevznikla va\u0161\u00ed vinou, neun\u00e1hlujte se s p\u0159izn\u00e1n\u00edm spoluviny. Nedostanete toti\u017e plnou n\u00e1hradu \u0161kody a je\u0161t\u011b p\u0159ijdete o \u010d\u00e1st nasb\u00edran\u00fdch bonus\u016f.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#spoluvina-pri-dopravni-nehode\">Spoluvina p\u0159i dopravn\u00ed nehod\u011b<\/a><\/li><li class=\"\"><a href=\"#jak-se-posuzuje-spoluvina\">Jak se posuzuje spoluvina?\u00a0<\/a><\/li><li class=\"\"><a href=\"#spoluvina-a-jeji-nasledky\">Spoluvina a jej\u00ed n\u00e1sledky p\u0159i vyplacen\u00ed \u0161kody<\/a><\/li><li class=\"\"><a href=\"#s\">\u010c\u00e1ste\u010dn\u011b zavin\u011bn\u00e1 nehoda znamen\u00e1 i ode\u010det bonus\u016f<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"spoluvina-pri-dopravni-nehode\">Spoluvina p\u0159i dopravn\u00ed nehod\u011b<\/h2>\n\n\n\n<p>\u0158\u00edk\u00e1 se, \u017ee nehoda nen\u00ed n\u00e1hoda. Ka\u017ed\u00fd dopravn\u00ed karambol m\u00e1 <strong>vin\u00edka<\/strong>, ale nemus\u00ed to b\u00fdt v\u017edy \u010dlov\u011bk &#8211; vzpome\u0148te si t\u0159eba na<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/srazka-se-zveri-jak-postupovat\/\"><strong>sr\u00e1\u017eku se zv\u011b\u0159\u00ed<\/strong><\/a>, kter\u00e1 se posuzuje v\u017edy jako <strong>nezavin\u011bn\u00e1 nehoda<\/strong>. Z\u016fsta\u0148me ale u klasick\u00e9 dopravn\u00ed nehody, kde jsou \u00fa\u010dastn\u00edky \u0159idi\u010di. Vin\u00edk <strong>nemus\u00ed<\/strong> <strong>b\u00fdt jen jeden<\/strong>, ale naopak k nehod\u011b m\u016f\u017ee p\u0159isp\u011bt sv\u00fdm <strong>jedn\u00e1n\u00edm v\u00edcero osob<\/strong>. A p\u0159itom by <strong>nehoda<\/strong> a \u0161koda na majetku \u010di \u00fajma na zdrav\u00ed z\u00fa\u010dastn\u011bn\u00fdch osob <strong>nemusela v\u016fbec nastat<\/strong> nebo mohla b\u00fdt <strong>m\u00e9n\u011b z\u00e1va\u017en\u00e1<\/strong>, kdyby se jeden z \u0159idi\u010d\u016f za volantem choval jinak. Je libo p\u0159\u00edklad?&nbsp;<\/p>\n\n\n\n<ul>\n<li>\u0158idi\u010d auta A <strong>nedal p\u0159ednost<\/strong> v j\u00edzd\u011b autu B, kter\u00e9 ov\u0161em p\u0159ekro\u010dilo<strong> p\u0159edpisovou rychlost<\/strong>.&nbsp;<\/li>\n\n\n\n<li>\u0158idi\u010d auta A \u0159\u00eddil auto <strong>pod vlivem alkoholu<\/strong>, z\u00e1rove\u0148 ale \u0159idi\u010d auta B nebo jeho spolujezdec nebyl <strong>p\u0159ipoutan\u00fd bezpe\u010dnostn\u00edm p\u00e1sem<\/strong>, \u010d\u00edm\u017e mu vznikla v\u00e1\u017en\u011bj\u0161\u00ed \u00fajma na zdrav\u00ed.&nbsp;<\/li>\n\n\n\n<li>\u0158idi\u010d motocyklu <strong>zm\u011bnil pruh bez znamen\u00ed<\/strong>, p\u0159i\u010dem\u017e \u0159idi\u010d auta si ho nev\u0161iml, proto\u017ee za j\u00edzdy <strong>nev\u011bnoval pozornost<\/strong> provozu, ale mobiln\u00edmu telefonu.&nbsp;<\/li>\n\n\n\n<li>\u0158idi\u010d auta A se p\u0159i couv\u00e1n\u00ed z parkovac\u00edho m\u00edsta <strong>neohl\u00e9dl, aby zkontroloval<\/strong> p\u0159ij\u00ed\u017ed\u011bj\u00edc\u00ed vozidlo B, kter\u00e9 <strong>p\u0159ekro\u010dilo povolenou rychlost<\/strong>.&nbsp;<\/li>\n\n\n\n<li>Chodec vstoupil do zledovat\u011bl\u00e9 vozovky <strong>na \u010dervenou<\/strong>, p\u0159i\u010dem\u017e \u0159idi\u010d osobn\u00edho auta nedok\u00e1zal <strong>dobrzdit vozidlo na letn\u00edch pneumatik\u00e1ch<\/strong> v\u010das.<\/li>\n<\/ul>\n\n\n\n<p>P\u0159\u00ed\u010diny a spoluzavin\u011bn\u00ed p\u0159i dopravn\u00edch nehod\u00e1ch se v\u017edy \u0159e\u0161\u00ed individu\u00e1ln\u011b, nebo\u0165 m\u00edra spoluzavin\u011bn\u00ed m\u016f\u017ee b\u00fdt ovlivn\u011bna celou \u0159adou faktor\u016f. \u00da\u010dastn\u00edci se toti\u017e <strong>nemus\u00ed pod\u00edlet<\/strong> na zp\u016fsoben\u00ed dopravn\u00ed nehody <strong>stejn\u00fdm d\u00edlem<\/strong>, ale i jen men\u0161\u00ed \u010d\u00e1st\u00ed. Prakticky tak m\u016f\u017eete narazit na p\u0159\u00edpady, kter\u00e9 zn\u011bj\u00ed podobn\u011b, ale v jednom p\u0159\u00edpad\u011b m\u016f\u017ee b\u00fdt <strong>spoluvina 50:50<\/strong> a v <strong>druh\u00e9m t\u0159eba 70:30<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-posuzuje-spoluvina\">Jak se posuzuje spoluvina?&nbsp;<\/h2>\n\n\n\n<p>Pokud nehodu \u0159e\u0161\u00edte bez policie a pouze s dal\u0161\u00edm \u00fa\u010dastn\u00edkem vypl\u0148ujete tzv. <strong>euroformul\u00e1\u0159<\/strong>, tj. <a href=\"https:\/\/www.rixo.cz\/blog\/zaznam-o-dopravni-nehode-formular\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/zaznam-o-dopravni-nehode-formular\/\">Formul\u00e1\u0159 z\u00e1znamu o dopravn\u00ed nehod\u011b<\/a>, informace o tom, kdo je vin\u00edk a kdo po\u0161kozen\u00fd se vypl\u0148uje do pozn\u00e1mek (bod 14 ve formul\u00e1\u0159i). V p\u0159\u00edpad\u011b, \u017ee se s druh\u00fdm \u00fa\u010dastn\u00edkem nehody <strong>nedohodnete na vin\u011b<\/strong>, zavol\u00e1n\u00ed p\u0159\u00edslu\u0161n\u00edk\u016f <strong>policie<\/strong> k p\u0159\u00edpadu je rozhodn\u011b na m\u00edst\u011b. Uzn\u00e1n\u00ed spoluviny, kdy\u017e o n\u00ed nejste p\u0159esv\u011bd\u010deni, v\u00e1s toti\u017e m\u016f\u017ee dob\u011bhnout p\u0159i <strong>\u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong> s poji\u0161\u0165ovnou. I sama poji\u0161\u0165ovna si nicm\u00e9n\u011b m\u016f\u017ee ud\u011blat z dodan\u00fdch dokument\u016f sv\u016fj obr\u00e1zek o tom, kdo nehodu zp\u016fsobil \u010di jej\u00ed n\u00e1sledek zhor\u0161il &#8211; a o spoluvin\u011b m\u016f\u017ee rozhodnout sama.\u00a0<\/p>\n\n\n\n<p>U drobn\u00fdch \u0165ukanc\u016f se nicm\u00e9n\u011b zpravidla spoluvina p\u0159\u00edli\u0161 ne\u0159e\u0161\u00ed a jej\u00ed ur\u010den\u00ed m\u00e1 v\u00fdznam p\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b <strong>z\u00e1va\u017en\u011bj\u0161\u00edch nehod<\/strong>. Stanoven\u00ed spoluviny je v p\u0159\u00edpad\u011b, \u017ee <strong>nen\u00ed vin\u00edk naprosto jasn\u00fd<\/strong> nebo <strong>\u0159idi\u010di neuzn\u00e1vaj\u00ed pod\u00edl viny <\/strong>na nehod\u011b, p\u0159edm\u011btem vy\u0161et\u0159ov\u00e1n\u00ed v \u0159\u00edzen\u00ed u policie. Kdo k nehod\u011b p\u0159isp\u011bl a jak\u00fdm d\u00edlem, se pot\u00e9 tak\u00e9 objas\u0148uje znaleck\u00fdmi posudky.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1.jpg\" alt=\"nehoda 50:50\" class=\"wp-image-3039\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/02\/woman-crashed-into-car-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"spoluvina-a-jeji-nasledky\">Spoluvina a jej\u00ed n\u00e1sledky p\u0159i vyplacen\u00ed \u0161kody<\/h2>\n\n\n\n<p>Po <a href=\"https:\/\/www.rixo.cz\/blog\/nahlaseni-pojistne-udalosti-u-pojistovny-jednoduse-a-online\/\">nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/a>, tedy dopravn\u00ed nehody, se v poji\u0161\u0165ovn\u011b rozb\u00edh\u00e1 proces <strong>likvidace <\/strong>pojistn\u00e9 ud\u00e1losti. Poji\u0161\u0165ovna prostuduje zaslan\u00e9 dokumenty, vy\u017e\u00e1d\u00e1 si p\u0159\u00edpadn\u011b dopl\u0148uj\u00edc\u00ed informace \u010di v\u00fdpov\u011bdi sv\u011bdk\u016f a vy\u010d\u00edsl\u00ed \u0161kodu, kterou <strong>zaplat\u00ed po\u0161kozen\u00e9mu z <\/strong><a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\"><strong>povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a><strong> vin\u00edka<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Na z\u00e1klad\u011b \u0161et\u0159en\u00ed (a\u0165 u\u017e policejn\u00edho \u010di vlastn\u00edho) poji\u0161\u0165ovna vyplat\u00ed <strong>n\u00e1hradu \u0161kody podle m\u00edry zavin\u011bn\u00ed<\/strong>. Pokud se tedy bude hodnotit nehoda zavin\u011bn\u00e1 z 50 procent ka\u017ed\u00fdm \u0159idi\u010dem, m\u016f\u017eete o\u010dek\u00e1vat pln\u011bn\u00ed ve v\u00fd\u0161i poloviny skute\u010dn\u00e9 \u0161kody. Jin\u00fdmi slovy &#8211; <strong>\u010d\u00edm vy\u0161\u0161\u00ed je p\u0159iznan\u00e1 \u010di stanoven\u00e1 m\u00edra va\u0161eho zavin\u011bn\u00ed<\/strong>, t\u00edm <strong>men\u0161\u00ed \u010d\u00e1stku dostanete<\/strong>. N\u00e1hradu \u0161kody v cel\u00e9m rozsahu by v\u00e1m pak pokrylo pouze<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\"><strong>havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>, respektive d\u00edl\u010d\u00ed poji\u0161t\u011bn\u00ed hav\u00e1rie.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"s\">\u010c\u00e1ste\u010dn\u011b zavin\u011bn\u00e1 nehoda znamen\u00e1 i ode\u010det bonus\u016f<\/h2>\n\n\n\n<p>Jako \u010d\u00e1ste\u010dn\u00fd vin\u00edk nehody tak\u00e9 bohu\u017eel <strong>p\u0159ijdete o \u010d\u00e1st <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/jak-funguji-bonusy-povinne-ruceni\/\"><strong>bonus\u016f<\/strong><\/a>, kter\u00e9 v\u00e1m zlev\u0148uj\u00ed povinn\u00e9 ru\u010den\u00ed. Poji\u0161\u0165ovna toti\u017e jako \u201ctrest\u201d za zp\u016fsoben\u00ed dopravn\u00ed nehody sma\u017ee ur\u010ditou \u010d\u00e1st m\u011bs\u00edc\u016f z va\u0161eho p\u0159edchoz\u00edho <strong>beze\u0161kodn\u00edho pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed<\/strong>. Pokud teprve za\u010d\u00edn\u00e1te \u0159\u00eddit nebo u\u017e m\u00e1te na sv\u00e9m kont\u011b d\u0159\u00edv\u011bj\u0161\u00ed zavin\u011bnou nehodu, o\u010dek\u00e1vejte p\u0159ir\u00e1\u017eku k pojistn\u00e9mu v podob\u011b <strong>malusu<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Suma sum\u00e1rum: p\u0159izn\u00e1n\u00ed spoluviny neberte na lehkou v\u00e1hu. V p\u0159\u00edpad\u011b, \u017ee se stanete \u00fa\u010dastn\u00edkem dopravn\u00ed nehody a nec\u00edt\u00edte se za ni b\u00fdt odpov\u011bdn\u00ed, <strong>nenechte se do ni\u010deho \u201cnatla\u010dit\u201d<\/strong>. A co kdy\u017e p\u0159ece jen budete jedn\u00edm z vin\u00edk\u016f? Pom\u016f\u017ee v\u00e1m dob\u0159e nastaven\u00e9 <strong>havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong>. Srovnejte a sjednejte si ho je\u0161t\u011b dnes a dovolte poji\u0161\u0165ovn\u011b, aby v\u00e1m kryla z\u00e1da v jak\u00e9koliv situaci.&nbsp;<\/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-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"450\" 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>Nehody, kde se ned\u00e1 ur\u010dit jednozna\u010dn\u00fd vin\u00edk, tvo\u0159\u00ed v\u00fdznamnou \u010d\u00e1st pojistn\u00fdch ud\u00e1lost\u00ed v povinn\u00e9m ru\u010den\u00ed. Pokud si ale zavin\u011bn\u00edm nejste jist\u00ed a mysl\u00edte si, \u017ee jste nehoda ani \u010d\u00e1ste\u010dn\u011b nevznikla va\u0161\u00ed vinou, neun\u00e1hlujte se s p\u0159izn\u00e1n\u00edm spoluviny. Nedostanete toti\u017e plnou n\u00e1hradu \u0161kody a je\u0161t\u011b p\u0159ijdete o \u010d\u00e1st nasb\u00edran\u00fdch bonus\u016f.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3038,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,6],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3027"}],"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=3027"}],"version-history":[{"count":6,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3027\/revisions"}],"predecessor-version":[{"id":3323,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3027\/revisions\/3323"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3038"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3027"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3027"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3027"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}