{"id":3288,"date":"2025-05-26T09:41:45","date_gmt":"2025-05-26T07:41:45","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3288"},"modified":"2025-05-26T09:41:48","modified_gmt":"2025-05-26T07:41:48","slug":"cyklista-a-dopravni-nehoda","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/cyklista-a-dopravni-nehoda\/","title":{"rendered":"Cyklista a dopravn\u00ed nehoda: Sr\u00e1\u017eka na kole m\u016f\u017ee p\u0159ij\u00edt draho"},"content":{"rendered":"\n<p>Cyklista je \u00fa\u010dastn\u00edk silni\u010dn\u00edho provozu jako ka\u017ed\u00fd jin\u00fd. Na rozd\u00edl od \u0159idi\u010de auta se ale nem\u016f\u017ee spol\u00e9hat na povinn\u00e9 ru\u010den\u00ed. Kdy hroz\u00ed, \u017ee zp\u016fsoben\u00e9 \u0161kody na zdrav\u00ed a majetku jin\u00fdch osob p\u0159i j\u00edzd\u011b na kole budete muset hradit sami? Spole\u010dn\u011b se na to pod\u00edv\u00e1me.&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=\"#cyklisti-a-ridici-dva-tabory-ale-stejna-pravidla\">Cyklisti a \u0159idi\u010di: Dva t\u00e1bory, ale stejn\u00e1 pravidla<\/a><\/li><li class=\"\"><a href=\"#jak-pomuze-pojisteni-obcanske-odpovednosti\">Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti?<\/a><\/li><li class=\"\"><a href=\"#kdy-pojisteni-odpovednosti-nepomuze\">Kdy poji\u0161t\u011bn\u00ed odpov\u011bdnosti nepom\u016f\u017ee?<\/a><\/li><li class=\"\"><a href=\"#jak-na-nastaveni-pojisteni-odpovednosti-pro-cyklisty\">Jak na nastaven\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro cyklisty<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>A\u0165 u\u017e se j\u00edzd\u011b na kole v\u011bnujete jen v\u00fdjime\u010dn\u011b nebo je cyklistika nepostradatelnou sou\u010d\u00e1st\u00ed va\u0161eho \u017eivota, sr\u00e1\u017eka s jin\u00fdm vozidlem, cyklistou nebo chodcem se m\u016f\u017ee st\u00e1t kdykoliv. A proto\u017ee v\u017edy plat\u00ed, \u017ee kdo je p\u0159ipraven, nen\u00ed p\u0159ekvapen, rozhodn\u011b se hod\u00ed v\u011bd\u011bt, jak se pro p\u0159\u00edpad takov\u00e9 nehody chr\u00e1nit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cyklisti-a-ridici-dva-tabory-ale-stejna-pravidla\">Cyklisti a \u0159idi\u010di: Dva t\u00e1bory, ale stejn\u00e1 pravidla<\/h2>\n\n\n\n<p>Na v\u0161echny \u00fa\u010dastn\u00edky provozu, a\u0165 u\u017e sed\u00ed za volantem nebo \u0159\u00edd\u00edtky, se vztahuj\u00ed stejn\u00e9 <strong>dopravn\u00ed p\u0159edpisy<\/strong>. A jejich <strong>poru\u0161en\u00ed nebo oby\u010dejn\u00e9 nepozornosti <\/strong>se m\u016f\u017ee dopustit \u0159idi\u010d motorov\u00e9ho vozidla stejn\u011b jako cyklista. P\u0159i dopravn\u00ed nehod\u011b tak bude z\u00e1le\u017eet v\u017edy na tom, jak\u00e1 byla jej\u00ed p\u0159\u00ed\u010dina a kdo <strong>nehodu (zcela nebo jen z\u010d\u00e1sti) zavinil<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Zat\u00edmco \u0159idi\u010di motorov\u00fdch vozidel si pro p\u0159\u00edpad zp\u016fsoben\u00ed \u0161kody na majetku \u010di zdrav\u00ed jin\u00fdch osob p\u0159i provozu vozidla ze z\u00e1kona mus\u00ed sjednat <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\"><strong>povinn\u00e9 ru\u010den\u00ed<\/strong><\/a>, cyklista nebo kolob\u011b\u017ek\u00e1\u0159 takovou povinnost nem\u00e1. Jedinou \u00fa\u010dinnou ochranou p\u0159ed placen\u00edm zp\u016fsoben\u00fdch \u0161kod z vlastn\u00ed kapsy je v tomto p\u0159\u00edpad\u011b <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\"><strong>poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti<\/strong><\/a><strong>,<\/strong> zn\u00e1m\u00e9 tak\u00e9 jako \u201c<strong>pojistka na blbost<\/strong>\u201d.&nbsp;<\/p>\n\n\n\n<p>Aby to ale nebylo tak jednoduch\u00e9, v\u00fdjimku je\u0161t\u011b od roku 2024 tvo\u0159\u00ed skupina <strong>t\u011b\u017e\u0161\u00edch a siln\u011bj\u0161\u00edch elektrokolob\u011b\u017eek, segway\u016f a dal\u0161\u00edch drobn\u00fdch vozidel<\/strong>, kter\u00e9 mus\u00ed m\u00edt sjednan\u00e9 <strong>povinn\u00e9 ru\u010den\u00ed<\/strong>. Vzhledem k tomu, \u017ee tato men\u0161\u00ed voz\u00edtka nemaj\u00ed registra\u010dn\u00ed zna\u010dku, sjedn\u00e1v\u00e1 se <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni-pro-elektrokolobezky\/\"><strong>povinn\u00e9 ru\u010den\u00ed pro elektrokolob\u011b\u017eky<\/strong><\/a> m\u00edrn\u011b odli\u0161n\u00fdm zp\u016fsobem, ale tak\u00e9 pro n\u011b (stejn\u011b jako pro motorov\u00e1 vozidla) plat\u00ed minim\u00e1ln\u00ed limit kryt\u00ed ve v\u00fd\u0161i <strong>50 milion\u016f K\u010d pro \u0161kody na majetku a zdrav\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pomuze-pojisteni-obcanske-odpovednosti\">Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti?<\/h2>\n\n\n\n<p>Pokud zp\u016fsob\u00edte jako cyklista (nebo t\u0159eba i chodec) dopravn\u00ed nehodu, budete <strong>odpov\u011bdn\u00ed za jej\u00ed v\u00fdsledek<\/strong> &#8211; t\u00edm m\u016f\u017ee b\u00fdt nap\u0159\u00edklad \u0161koda na<strong> ve\u0159ejn\u00e9m majetku<\/strong>, \u0161koda na <strong>majetku po\u0161kozen\u00e9 osoby<\/strong> \u010di <strong>\u00fajma na zdrav\u00ed<\/strong>. N\u00e1hradu \u0161kody pak m\u016f\u017ee po\u0161kozen\u00fd <strong>vym\u00e1hat po v\u00e1s<\/strong> &#8211; anebo po va\u0161\u00ed poji\u0161\u0165ovn\u011b, u kter\u00e9 m\u00e1te sjednan\u00e9 <strong>odpov\u011bdnostn\u00ed poji\u0161t\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong> m\u00e1 velmi \u0161irok\u00fd z\u00e1b\u011br a hod\u00ed se \u00fapln\u011b ka\u017ed\u00e9mu &#8211; chr\u00e1n\u00ed v\u00e1s tak\u0159ka v jak\u00e9koliv situaci, kdy n\u011bkomu <strong>ne\u00famysln\u011b zp\u016fsob\u00edte \u0161kodu<\/strong>. Pojistka tak zahrnuje nap\u0159\u00edklad situace, kdy kv\u016fli pu\u0161t\u011bn\u00e9mu kohoutku <strong>vytop\u00edte sv\u00e9ho souseda<\/strong>, naraz\u00edte do kolemjdouc\u00edho a<strong> rozbijete mu mobil<\/strong>, shod\u00edte <strong>v obchod\u011b zbo\u017e\u00ed <\/strong>z reg\u00e1lu nebo <strong>nedobrzd\u00edte na ly\u017e\u00edch <\/strong>p\u0159ed dal\u0161\u00edm jedouc\u00edm ly\u017ea\u0159em. A stejn\u011b tak se poji\u0161t\u011bn\u00ed uplatn\u00ed i p\u0159i<strong> j\u00edzd\u011b na kole<\/strong>. Pokryje skute\u010dnou \u0161kodu vzniklou jak na majetku, tak na zdrav\u00ed t\u0159et\u00edch osob, nicm\u00e9n\u011b nepokryje \u0161kody va\u0161e &#8211; tomu se ale je\u0161t\u011b budeme v\u011bnovat n\u00ed\u017ee.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-pojisteni-odpovednosti-nepomuze\">Kdy poji\u0161t\u011bn\u00ed odpov\u011bdnosti nepom\u016f\u017ee?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti nedok\u00e1\u017ee z podstaty v\u011bci pokr\u00fdt<strong> \u0161kody, kter\u00e9 zp\u016fsob\u00edte sami sob\u011b<\/strong>, dokonce jsou z poji\u0161t\u011bn\u00ed vylou\u010deny i \u0161kody zp\u016fsoben\u00e9 \u010dlen\u016fm <strong>spole\u010dn\u00e9 dom\u00e1cnosti<\/strong>. Ochranu vlastn\u00edho zdrav\u00ed v\u00e1m naopak poskytne <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"><strong>\u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a>. \u0160kodu na va\u0161em drah\u00e9m kole zp\u016fsoben\u00e9 v\u00e1mi zavin\u011bnou dopravn\u00ed nehodou v\u00e1m p\u0159\u00edpadn\u011b m\u016f\u017ee pokr\u00fdt <strong>speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed kola<\/strong>, kter\u00e9 nab\u00edz\u00ed n\u011bkte\u0159\u00ed prodejci. V b\u011b\u017en\u00e9 nab\u00eddce poji\u0161\u0165oven ho bohu\u017eel nenajdete.<\/p>\n\n\n\n<p>Nutn\u00e9 je pamatovat i na <strong>v\u00fdluky<\/strong> v pojistn\u00fdch podm\u00ednk\u00e1ch. Nem\u011blo by v\u00e1s p\u0159ekvapit, \u017ee poji\u0161t\u011bn\u00ed v\u00e1m nepom\u016f\u017ee nap\u0159\u00edklad ve chv\u00edli, kdy zp\u016fsob\u00edte \u0161kodu <strong>\u00famysln\u011b <\/strong>nebo <strong>pod vlivem alkoholu<\/strong> a <strong>omamn\u00fdch l\u00e1tek<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pozor! Usednout za \u0159\u00edd\u00edtka pod vlivem alkoholu se v\u00e1m opravdu nemus\u00ed vyplatit &#8211; nejen\u017ee m\u016f\u017eete od policie dostat pokutu <strong>a\u017e do v\u00fd\u0161e 25 000 K\u010d<\/strong> za samotnou j\u00edzdu, ale tak\u00e9 budete muset ve\u0161ker\u00e9<strong> zp\u016fsoben\u00e9 \u0161kody nahradit <\/strong>po\u0161kozen\u00fdm, pokud n\u011bkoho na kole sraz\u00edte. A sem pat\u0159\u00ed t\u0159eba i n\u00e1rok zdravotn\u00ed poji\u0161\u0165ovny, kter\u00e1 uhrad\u00ed o\u0161et\u0159en\u00ed po\u0161kozen\u00e9ho. N\u00e1klady, respektive n\u00e1hradu \u0161kody, po v\u00e1s toti\u017e v tomto p\u0159\u00edpad\u011b m\u016f\u017ee vym\u00e1hat.&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\/05\/woman-crashed-into-car-girl-helmet-1-1-1.jpg\" alt=\"cyklista dopravn\u00ed nehoda\" class=\"wp-image-3291\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/woman-crashed-into-car-girl-helmet-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/woman-crashed-into-car-girl-helmet-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/woman-crashed-into-car-girl-helmet-1-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/woman-crashed-into-car-girl-helmet-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/woman-crashed-into-car-girl-helmet-1-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-na-nastaveni-pojisteni-odpovednosti-pro-cyklisty\">Jak na nastaven\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro cyklisty<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti ob\u010dana<\/strong> v b\u011b\u017en\u00e9m \u017eivot\u011b se soust\u0159e\u010fte p\u0159edev\u0161\u00edm na nastaven\u00ed <strong>odpov\u00eddaj\u00edc\u00edho limitu pln\u011bn\u00ed<\/strong> &#8211; dobr\u00e1 smlouva by m\u011bla m\u00edt limit nastaven\u00fd <strong>minim\u00e1ln\u011b na 5 milion\u016f K\u010d<\/strong>. M\u016f\u017ee se v\u00e1m to sice zd\u00e1t na prvn\u00ed pohled p\u0159ehnan\u00e9, ale v\u011bzte, \u017ee i j\u00edzdou na kole m\u016f\u017eete zp\u016fsobit mnohamilionov\u00e9 \u0161kody, a to p\u0159edev\u0161\u00edm na zdrav\u00ed jin\u00fdch osob. Na trhu se ostatn\u011b nab\u00edz\u00ed r\u016fzn\u00e9 varianty kryt\u00ed odpov\u011bdnosti s limitem ve v\u00fd\u0161i 10 milion\u016f, 20 milion\u016f, nebo a\u017e t\u0159eba 50 milion\u016f K\u010d.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed zpravidla plat\u00ed jak <strong>v \u010cesk\u00e9 republice, tak i v zahrani\u010d\u00ed<\/strong> (nej\u010dast\u011bji na \u00fazem\u00ed Evropy). Pokud se chyst\u00e1te do zahrani\u010d\u00ed, \u00fazemn\u00ed platnost va\u0161eho poji\u0161t\u011bn\u00ed si ov\u011b\u0159te a p\u0159\u00edpadn\u011b si p\u0159iho\u010fte poji\u0161t\u011bn\u00ed odpov\u011bdnosti v zahrani\u010d\u00ed i k va\u0161emu <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\"><strong>cestovn\u00edmu poji\u0161t\u011bn\u00ed<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p>Ke klasick\u00e9mu <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> si tak\u00e9 m\u016f\u017eete p\u0159ipojistit celou \u0159adu dal\u0161\u00edch rizik &#8211; t\u0159eba odpov\u011bdnost za <strong>\u0161kody<\/strong> <strong>zp\u016fsoben\u00e9 mazl\u00ed\u010dkem<\/strong> nebo odpov\u011bdnost za \u0161kody <strong>na pronajat\u00fdch v\u011bcech<\/strong>. Nev\u00edte si s poji\u0161t\u011bn\u00edm rady? Srovnejte si ho na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a my v\u00e1m najdeme ty nejv\u00fdhodn\u011bj\u0161\u00ed varianty pro v\u00e1s hned od n\u011bkolika poji\u0161\u0165oven!<\/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=\"350\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/liability-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cyklista je \u00fa\u010dastn\u00edk silni\u010dn\u00edho provozu jako ka\u017ed\u00fd jin\u00fd. Na rozd\u00edl od \u0159idi\u010de auta se ale nem\u016f\u017ee spol\u00e9hat na povinn\u00e9 ru\u010den\u00ed. Kdy hroz\u00ed, \u017ee zp\u016fsoben\u00e9 \u0161kody na zdrav\u00ed a majetku jin\u00fdch osob p\u0159i j\u00edzd\u011b na kole budete muset hradit sami? Spole\u010dn\u011b se na to pod\u00edv\u00e1me.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3290,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,48,6],"tags":[45],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3288"}],"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=3288"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3288\/revisions"}],"predecessor-version":[{"id":3322,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3288\/revisions\/3322"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3290"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}