{"id":3466,"date":"2025-08-11T15:29:13","date_gmt":"2025-08-11T13:29:13","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3466"},"modified":"2025-08-11T15:29:15","modified_gmt":"2025-08-11T13:29:15","slug":"pojisteni-pravni-ochrany","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-pravni-ochrany\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany: Kdy pom\u016f\u017ee a jak\u00e9 se v\u00e1m vyplat\u00ed?"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany nen\u00ed \u010cech\u016fm p\u0159\u00edli\u0161 zn\u00e1m\u00e9 a v\u011bt\u0161in\u011b lid\u00ed nen\u00ed p\u0159\u00edli\u0161 jasn\u00e9, jak funguje. Znamen\u00e1 to, \u017ee m\u00e1te pr\u00e1vn\u00edka na telefonu kdykoliv k dispozici a prakticky zadarmo? Nebo v\u00e1m pojistka garantuje, \u017ee \u017e\u00e1dn\u00fd spor neprohrajete a v\u0161e za v\u00e1s uhlad\u00ed? Ud\u011blejte si v tom s n\u00e1mi po\u0159\u00e1dek jednou prov\u017edy.&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=\"#jak-pojisteni-pravni-ochrany-funguje\">Jak poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany funguje?<\/a><\/li><li class=\"\"><a href=\"#co-pojisteni-pravni-ochrany-nepokryje\">Co poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany nepokryje?<\/a><\/li><li class=\"\"><a href=\"#na-co-myslet-nez-si-sjednate-pojisteni-pravni-ochrany\">Na co myslet, ne\u017e si sjedn\u00e1te poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany?\u00a0<\/a><\/li><li class=\"\"><a href=\"#pojisteni-pravni-ochrany-pro-ridice-muzete-ho-ziskat-za-par-korun-v-povinnem-ruceni\">Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany pro \u0159idi\u010de? M\u016f\u017eete ho z\u00edskat za p\u00e1r korun v povinn\u00e9m ru\u010den\u00ed<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany v\u00e1m m\u016f\u017ee b\u00fdt dobr\u00fdm pomocn\u00edkem, ale jen kdy\u017e v\u00edte, co od n\u011bj o\u010dek\u00e1vat. Pokud byste nabyli dojmu, \u017ee jde o nechvaln\u011b proslul\u00e9 \u201cpoji\u0161t\u011bn\u00ed na pokuty\u201d, se kter\u00fdm se budete moci proh\u00e1n\u011bt silnicemi s rychlost\u00ed rallye z\u00e1vodn\u00edka bez n\u00e1sledk\u016f, m\u00fdlili byste se. Pr\u00e1vn\u00ed ochrana m\u00e1 toti\u017e jasn\u00e9 limity.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pojisteni-pravni-ochrany-funguje\">Jak poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany funguje?<\/h2>\n\n\n\n<p>V r\u00e1mci poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany v\u00e1m poji\u0161\u0165ovna prost\u0159ednictv\u00edm va\u0161\u00ed smlouvy zaji\u0161\u0165uje p\u0159\u00edstup <strong>k pr\u00e1vn\u00edmu poradenstv\u00ed, <\/strong>nej\u010dast\u011bji<strong> <\/strong>formou pr\u00e1vn\u00edka na telefonu, a pomoc v ob\u010danskopr\u00e1vn\u00edch v\u011bcech. Mezi n\u011b pat\u0159\u00ed tak\u00e9 nap\u0159\u00edklad velmi \u017e\u00e1dan\u00e1 <strong>pr\u00e1vn\u00ed pomoc pro \u0159idi\u010de<\/strong>, kter\u00e1 se hod\u00ed t\u0159eba v p\u0159\u00edpad\u011b dopravn\u00ed nehody.&nbsp;<\/p>\n\n\n\n<p>Poradenstv\u00ed je zpravidla <strong>bezplatn\u00e9 do ur\u010dit\u00e9ho limitu<\/strong>, pro jednu ud\u00e1lost m\u016f\u017ee j\u00edt nap\u0159\u00edklad o 5 000 K\u010d. To m\u016f\u017ee odpov\u00eddat jedn\u00e9 a\u017e dv\u011bma konzultac\u00edm, p\u0159i\u010dem\u017e dal\u0161\u00ed si pot\u00e9 mus\u00edte uhradit sami. Hodinov\u00e1 sazba advok\u00e1ta m\u016f\u017ee dosahovat a\u017e zm\u00edn\u011bn\u00fdch 5 000 K\u010d, informujte se proto o <strong>doplatc\u00edch nad limit kryt\u00ed<\/strong> s p\u0159edstihem, aby v\u00e1s krom\u011b pr\u00e1vn\u00edch pat\u00e1li\u00ed nep\u0159ekvapila je\u0161t\u011b faktura na desetitis\u00edce korun. M\u011bjte tak\u00e9 na pam\u011bti, \u017ee advok\u00e1ta si nem\u016f\u017eete vyb\u00edrat jen tak &#8211; poji\u0161\u0165ovna uhrad\u00ed jen <strong>poradenstv\u00ed od spolupracuj\u00edc\u00edch pr\u00e1vn\u00edk\u016f<\/strong>.<\/p>\n\n\n\n<p>R\u016fzn\u011b zam\u011b\u0159en\u00e9 bal\u00ed\u010dky poji\u0161t\u011bn\u00ed tak\u00e9 mohou obsahovat zvl\u00e1\u0161tn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pro specifick\u00e9 situace &#8211; t\u0159eba pro p\u0159\u00edpad <strong>uzav\u00edr\u00e1n\u00ed smluv, d\u011bdick\u00e9 spory, pracovn\u011bpr\u00e1vn\u00ed spory, sousedsk\u00e9 spory nebo n\u00e1hradu \u00fajmy.<\/strong> Tato p\u0159ipoji\u0161t\u011bn\u00ed tak\u00e9 maj\u00ed ur\u010den\u00e9 specifick\u00e9 limity kryt\u00ed, a to v <strong>\u0159\u00e1du stovek tis\u00edc a\u017e 1 milionu korun<\/strong>. Z nich se hrad\u00ed <strong>n\u00e1klady \u0159\u00edzen\u00ed a dal\u0161\u00ed v\u00fddaje<\/strong> spojen\u00e9 s pr\u00e1vn\u00edmi \u00fakony (tj. n\u00e1klady na zastoupen\u00ed advok\u00e1tem, soudn\u00ed poplatky, vyhotoven\u00ed znaleck\u00fdch posudk\u016f a podobn\u011b).<\/p>\n\n\n\n<p>Ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany m\u016f\u017ee vypadat jinak &#8211; proto je zde obzvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00e9 pro\u010d\u00edst si <strong>pojistn\u00e9 podm\u00ednky<\/strong> (nebo alespo\u0148 zkr\u00e1cen\u00fd Informa\u010dn\u00ed dokument o pojistn\u00e9m produktu, tzv. IPID), abyste si ud\u011blali p\u0159edstavu o tom, kdy v\u016fbec m\u016f\u017eete sv\u00e9 poji\u0161t\u011bn\u00ed vyu\u017e\u00edt. Seznam situac\u00ed, kdy v\u00e1m poji\u0161t\u011bn\u00ed nepom\u016f\u017ee, b\u00fdv\u00e1 toti\u017e opravdu dlouh\u00fd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-pojisteni-pravni-ochrany-nepokryje\">Co poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany nepokryje?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany v\u00e1m nepom\u016f\u017ee stejn\u011b jako nasmlouvan\u00fd pr\u00e1vn\u00edk &#8211; m\u00e1 toti\u017e v pojistn\u00fdch podm\u00ednk\u00e1ch v\u00fdluky pro <strong>celou \u0159adu typ\u016f spor\u016f i \u010dinnost\u00ed<\/strong>, se kter\u00fdmi v\u00e1m poji\u0161\u0165ovna neporad\u00ed. Dok\u00e1\u017ee v\u00e1m pak pomoci jen advok\u00e1tn\u00ed kancel\u00e1\u0159, p\u0159\u00edpadn\u011b samostatn\u00fd advok\u00e1t. P\u0159\u00edklady situac\u00ed, kter\u00e9 v\u00e1m poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany nepokryje, p\u0159in\u00e1\u0161\u00edme n\u00ed\u017ee.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany se <strong>nevztahuje nap\u0159\u00edklad na<\/strong>:<\/p>\n\n\n\n<ul>\n<li>seps\u00e1n\u00ed a kontrolu smluv, dohod, trestn\u00edch ozn\u00e1men\u00ed a dal\u0161\u00edch pr\u00e1vn\u00edch dokument\u016f<\/li>\n\n\n\n<li>spory o n\u00e1hradu nemajetkov\u00e9 \u00fajmy vym\u00e1han\u00e9 po klientovi<\/li>\n\n\n\n<li>ochranu klienta p\u0159i \u00fa\u010dasti v insolven\u010dn\u00edm \u0159\u00edzen\u00ed&nbsp;<\/li>\n\n\n\n<li>spory v rodinn\u00e9m pr\u00e1vu (nap\u0159. rozvodov\u00e9 \u0159\u00edzen\u00ed, stanoven\u00ed v\u00fd\u0161e v\u00fd\u017eivn\u00e9ho)<\/li>\n\n\n\n<li>\u00fahrada pokut a jin\u00fdch pen\u011b\u017eit\u00fdch trest\u016f<\/li>\n\n\n\n<li>spory ve finan\u010dn\u00edm pr\u00e1vu<\/li>\n\n\n\n<li>spory ve v\u011bci \u0161kodn\u00edch ud\u00e1lost\u00ed zap\u0159\u00ed\u010din\u011bn\u00fdch nedbalost\u00ed nebo \u00famyslem klienta<\/li>\n\n\n\n<li>spory vypl\u00fdvaj\u00edc\u00ed z podnikatelsk\u00e9 \u010dinnosti klienta<\/li>\n\n\n\n<li>hrazen\u00ed n\u00e1klad\u016f, k n\u011bmu\u017e je povinn\u00fd n\u011bkdo jin\u00fd ne\u017e poji\u0161t\u011bn\u00fd klient<\/li>\n<\/ul>\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\/07\/man-walking-near-car-talking-cellphone-1-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany\" class=\"wp-image-3469\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/man-walking-near-car-talking-cellphone-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/man-walking-near-car-talking-cellphone-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/man-walking-near-car-talking-cellphone-1-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/man-walking-near-car-talking-cellphone-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/07\/man-walking-near-car-talking-cellphone-1-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-myslet-nez-si-sjednate-pojisteni-pravni-ochrany\">Na co myslet, ne\u017e si sjedn\u00e1te poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany?&nbsp;<\/h2>\n\n\n\n<p>V n\u011bkter\u00fdch smlouv\u00e1ch m\u016f\u017eete narazit na<strong> \u010dekac\u00ed dobu<\/strong> &#8211; to znamen\u00e1, \u017ee poji\u0161t\u011bn\u00ed v\u00e1m mus\u00ed n\u011bjakou dobu b\u011b\u017eet, ne\u017e m\u016f\u017eete poji\u0161\u0165ovnu \u201czavalovat\u201d \u017e\u00e1dostmi o pr\u00e1vn\u00ed zastoupen\u00ed nebo \u00fahradu n\u00e1klad\u016f. V prvn\u00edch m\u011bs\u00edc\u00edch m\u016f\u017eete m\u00edt n\u00e1rok jen na <strong>z\u00e1kladn\u00ed pr\u00e1vn\u00ed poradenstv\u00ed<\/strong> po telefonu.<\/p>\n\n\n\n<p>Pe\u010dliv\u011b si p\u0159ed uzav\u0159en\u00edm smlouvy pro\u010dt\u011bte podm\u00ednky \u00fahrady pr\u00e1vn\u00edch slu\u017eeb a tak\u00e9 zhodno\u0165te <strong>pom\u011br ceny a v\u00fdkonu<\/strong> poji\u0161t\u011bn\u00ed &#8211; pokud v\u00e1s pr\u00e1vn\u00ed pot\u00ed\u017ee nep\u0159epadaj\u00ed \u010dasto a m\u00e1te v dosahu dobr\u00e9ho pr\u00e1vn\u00edka s rozumnou hodinovou sazbou, mo\u017en\u00e1 pro v\u00e1s bude poji\u0161t\u011bn\u00ed <strong>za 500 &#8211; 1000 K\u010d m\u011bs\u00ed\u010dn\u011b <\/strong>zbyte\u010dn\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pojisteni-pravni-ochrany-pro-ridice-muzete-ho-ziskat-za-par-korun-v-povinnem-ruceni\">Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany pro \u0159idi\u010de? M\u016f\u017eete ho z\u00edskat za p\u00e1r korun v povinn\u00e9m ru\u010den\u00ed<\/h2>\n\n\n\n<p>Pokud hled\u00e1te poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany p\u0159edev\u0161\u00edm kv\u016fli <strong>dopravn\u00edm spor\u016fm a n\u00e1rok\u016fm vypl\u00fdvaj\u00edc\u00edch z dopravn\u00edch nehod<\/strong>, m\u016f\u017ee v\u00e1m sta\u010dit jen<strong> dobr\u00e9 autopoji\u0161t\u011bn\u00ed<\/strong>. Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany v souvislosti s provozov\u00e1n\u00edm va\u0161eho auta je toti\u017e<strong> jedn\u00edm z velmi lacin\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 n\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed. K <a href=\"https:\/\/www.rixo.cz\/povinne-ruceni\/\">povinn\u00e9mu ru\u010den\u00ed<\/a> nebo <a href=\"https:\/\/www.rixo.cz\/havarijni-pojisteni\/\">havarijn\u00edmu poji\u0161t\u011bn\u00ed<\/a> v\u00e1m ho nab\u00eddne nap\u0159\u00edklad <strong>\u010cSOB Poji\u0161\u0165ovna<\/strong> a <strong>Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/strong>. Rovnou si t\u0159eba poji\u0161\u0165ovny srovnejte a najd\u011bte tu nejlep\u0161\u00ed pojistku pro va\u0161e auto i s poji\u0161t\u011bn\u00edm pr\u00e1vn\u00ed ochrany.<\/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\n\n\n<p>A co kdy\u017e vyr\u00e1\u017e\u00edte na cesty? I v <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\"><strong>cestovn\u00edm poji\u0161t\u011bn\u00ed<\/strong><\/a><strong> <\/strong>si poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany m\u016f\u017eete sjednat. Na dovolen\u00e9 v zahrani\u010d\u00ed, kdy\u017e pot\u0159ebujete <strong>pomoc hned a nevyzn\u00e1te se v pr\u00e1vu va\u0161\u00ed destinace<\/strong>, se v\u00e1m tato slu\u017eba za p\u00e1r korun m\u016f\u017ee rozhodn\u011b vyplatit. A to nejen p\u0159i dopravn\u00edch nehod\u00e1ch, ale t\u0159eba i p\u0159i r\u016fzn\u00fdch pot\u00ed\u017e\u00edch s m\u00edstn\u00ed polici\u00ed. Pokud se pr\u00e1v\u011b n\u011bkam chyst\u00e1te, rovnou si zkuste cestovn\u00ed poji\u0161t\u011bn\u00ed srovnat. Sta\u010d\u00ed v\u00e1m na to jen minutka.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\" style=\"background-color:#605db5\">Srovnat cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany nen\u00ed \u010cech\u016fm p\u0159\u00edli\u0161 zn\u00e1m\u00e9 a v\u011bt\u0161in\u011b lid\u00ed nen\u00ed p\u0159\u00edli\u0161 jasn\u00e9, jak funguje. Znamen\u00e1 to, \u017ee m\u00e1te pr\u00e1vn\u00edka na telefonu kdykoliv k dispozici a prakticky zadarmo? Nebo v\u00e1m pojistka garantuje, \u017ee \u017e\u00e1dn\u00fd spor neprohrajete a v\u0161e za v\u00e1s uhlad\u00ed? Ud\u011blejte si v tom s n\u00e1mi po\u0159\u00e1dek jednou prov\u017edy.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3468,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,10,6],"tags":[17],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3466"}],"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=3466"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3466\/revisions"}],"predecessor-version":[{"id":3510,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3466\/revisions\/3510"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3468"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}