{"id":3678,"date":"2025-10-22T13:13:48","date_gmt":"2025-10-22T11:13:48","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3678"},"modified":"2025-10-22T13:13:51","modified_gmt":"2025-10-22T11:13:51","slug":"pojistovna-nechce-uhradit-skodu-co-delat","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojistovna-nechce-uhradit-skodu-co-delat\/","title":{"rendered":"Poji\u0161\u0165ovna nechce uhradit \u0161kodu: Co d\u011blat?"},"content":{"rendered":"\n<p>Odm\u00edtnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody spor\u016f mezi klienty a poji\u0161\u0165ovnami. Ka\u017ed\u00fd rok se to t\u00fdk\u00e1 tis\u00edc\u016f lid\u00ed \u2013 od \u0159idi\u010d\u016f, p\u0159es majitele dom\u016f a\u017e po cestovatele. Mnoz\u00ed se s neochotou poji\u0161\u0165ovny sm\u00ed\u0159\u00ed, ne v\u017edy je to ale nutn\u00e9. Jak\u00e9 kroky m\u016f\u017eete podniknout, kdy\u017e v\u00e1m poji\u0161\u0165ovna nechce uhradit \u0161kodu nebo vyplat\u00ed n\u00edzk\u00e9 od\u0161kodn\u011bn\u00ed? To v\u00e1m shrneme v tomto \u010dl\u00e1nku.&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=\"#kdy-vam-pojistovna-odmitne-vyplatit-pojistne-plneni\">Pro\u010d v\u00e1m poji\u0161\u0165ovna nechce uhradit \u0161kodu?<\/a><ul><li class=\"\"><a href=\"#jake-duvody-muze-mit-odmitnuti-plneni-z-povinneho-ruceni-a-havarijniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jake-duvody-muze-mit-odmitnuti-plneni-z-pojisteni-majetku\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed majetku?<\/a><\/li><li class=\"\"><a href=\"#jake-duvody-muze-mit-odmitnuti-plneni-z-cestovniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z cestovn\u00edho poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jake-duvody-muze-mit-odmitnuti-plneni-z-zivotniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-vas-muze-o-plneni-pripravit-chybne-nahlaseni-pojistne-udalosti\">Jak v\u00e1s m\u016f\u017ee o pln\u011bn\u00ed p\u0159ipravit chybn\u00e9 nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti?\u00a0<\/a><\/li><li class=\"\"><a href=\"#co-muzete-delat-kdyz-pojistovna-nechce-uhradit-skodu\">Co m\u016f\u017eete d\u011blat, kdy\u017e poji\u0161\u0165ovna nechce uhradit \u0161kodu?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>\u0158e\u0161\u00edte s poji\u0161\u0165ovnou \u00fahradu \u0161kod v r\u00e1mci <a href=\"https:\/\/www.rixo.cz\/pojisteni-vozidel\/\">autopoji\u0161t\u011bn\u00ed<\/a>, <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\">poji\u0161t\u011bn\u00ed majetku<\/a> a <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">odpov\u011bdnosti<\/a>, <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a> nebo t\u0159eba <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> a poji\u0161\u0165ovna v\u00e1m nechce vyplatit nic, p\u0159\u00edpadn\u011b m\u00e9n\u011b, ne\u017e na kolik m\u00e1te podle vlastn\u00edho n\u00e1zoru n\u00e1rok? M\u016f\u017ee j\u00edt o opr\u00e1vn\u011bn\u00fd postup poji\u0161\u0165ovny, ale tak\u00e9 o chybu. Porad\u00edme, kdy se vyplat\u00ed v\u00e1m jako spot\u0159ebiteli bojovat o n\u00e1pravu a jak na to.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-vam-pojistovna-odmitne-vyplatit-pojistne-plneni\">Pro\u010d v\u00e1m poji\u0161\u0165ovna nechce uhradit \u0161kodu?<\/h2>\n\n\n\n<p>Nem\u011blo by pro v\u00e1s b\u00fdt p\u0159ekvapen\u00edm, \u017ee poji\u0161\u0165ovny neuzn\u00e1vaj\u00ed ka\u017edou \u0161kodu jako pojistnou ud\u00e1lost. Pr\u00e1v\u011b proto ke ka\u017ed\u00e9 smlouv\u011b p\u0159ikl\u00e1daj\u00ed <strong>pojistn\u00e9 podm\u00ednky<\/strong>, kde se u\u017e p\u0159i sjedn\u00e1n\u00ed pojistn\u00e9 smlouvy dozv\u00edte, jak\u00e9 <strong>v\u00fdluky a omezen\u00ed<\/strong> se k va\u0161emu poji\u0161t\u011bn\u00ed vztahuj\u00ed. Pr\u00e1v\u011b kv\u016fli v\u00fdluk\u00e1m jsou klienti nej\u010dast\u011bji roz\u010darovan\u00ed z odm\u00edtnut\u00ed pln\u011bn\u00ed, ale reklamace postupu poji\u0161\u0165ovny je v tomto p\u0159\u00edpad\u011b bezv\u00fdsledn\u00e1.&nbsp;<\/p>\n\n\n\n<p>D\u016fvod\u016f, pro\u010d v\u00e1m poji\u0161\u0165ovna nechce uhradit \u0161kodu, m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada. V jak\u00fdch p\u0159\u00edpadech se od\u0161kodn\u011bn\u00ed po<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/nahlaseni-pojistne-udalosti-u-pojistovny-jednoduse-a-online\/\"><strong>nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong><\/a><strong> <\/strong>nedo\u010dk\u00e1te? P\u0159\u00edklady \u010dast\u00fdch situac\u00ed ve v\u00fdluk\u00e1ch uv\u00e1d\u00edme n\u00ed\u017ee.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jake-duvody-muze-mit-odmitnuti-plneni-z-povinneho-ruceni-a-havarijniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed?<\/h4>\n\n\n\n<ul>\n<li>Nevyhovuj\u00edc\u00ed technick\u00fd stav vozidla<\/li>\n\n\n\n<li>J\u00edzda pod vlivem alkoholu nebo n\u00e1vykov\u00fdch l\u00e1tek<\/li>\n\n\n\n<li>Nep\u0159ivol\u00e1n\u00ed policie \u010di nevypln\u011bn\u00ed <a href=\"https:\/\/www.rixo.cz\/blog\/zaznam-o-dopravni-nehode-formular\/\">z\u00e1znamu o nehod\u011b<\/a><\/li>\n\n\n\n<li>Nehoda mimo ve\u0159ejn\u00e9 pozemn\u00ed komunikace<\/li>\n\n\n\n<li>\u0160koda na vozidlech \u010dlen\u016f jedn\u00e9 dom\u00e1cnosti<\/li>\n<\/ul>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s v\u00edc? P\u0159e\u010dt\u011bte si, jak\u00e9 v\u00e1s mohou potkat <a href=\"https:\/\/www.rixo.cz\/blog\/vyluky-povinne-ruceni-havarijni-pojisteni\/\">v\u00fdluky v povinn\u00e9m ru\u010den\u00ed a havarijn\u00edm poji\u0161t\u011bn\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jake-duvody-muze-mit-odmitnuti-plneni-z-pojisteni-majetku\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed majetku?<\/h4>\n\n\n\n<ul>\n<li>Zanedban\u00e1 \u00fadr\u017eba nebo havarijn\u00ed stav nemovitosti<\/li>\n\n\n\n<li>Chyb\u011bj\u00edc\u00ed nebo nedostate\u010dn\u00e9 zabezpe\u010den\u00ed majetku<\/li>\n\n\n\n<li>Neodborn\u00e9 z\u00e1sahy do nemovitosti<\/li>\n\n\n\n<li>\u0160kody zp\u016fsoben\u00e9 \u00famysln\u011b \u010di hrubou nedbalost\u00ed \u010dlenem poji\u0161t\u011bn\u00e9 dom\u00e1cnosti<\/li>\n\n\n\n<li>\u0160kody na pen\u011bz\u00edch \u010di cennostech nad nastaven\u00fd sublimit poji\u0161t\u011bn\u00ed ve smlouv\u011b<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jake-duvody-muze-mit-odmitnuti-plneni-z-cestovniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z cestovn\u00edho poji\u0161t\u011bn\u00ed?<\/h4>\n\n\n\n<ul>\n<li>Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed ze zahrani\u010d\u00ed<\/li>\n\n\n\n<li>Provozov\u00e1n\u00ed nepoji\u0161t\u011bn\u00e9ho rizikov\u00e9ho \u010di adrenalinov\u00e9ho sportu<\/li>\n\n\n\n<li>\u00dahrada o\u0161et\u0159en\u00ed z d\u016fvodu chronick\u00e9 nemoci nebo pokro\u010dil\u00e9ho t\u011bhotenstv\u00ed<\/li>\n\n\n\n<li>\u0160kody a \u00farazy pod vlivem alkoholu (pokud nem\u00e1te <a href=\"https:\/\/www.rixo.cz\/blog\/alkohol-na-dovolene-cestovni-pojisteni\/\">sjednan\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed<\/a>)<\/li>\n\n\n\n<li>Poru\u0161en\u00ed m\u00edstn\u00edch p\u0159edpis\u016f&nbsp;<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"jake-duvody-muze-mit-odmitnuti-plneni-z-zivotniho-pojisteni\">Jak\u00e9 d\u016fvody m\u016f\u017ee m\u00edt odm\u00edtnut\u00ed pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/h4>\n\n\n\n<ul>\n<li>Neuveden\u00ed \u00fapln\u00fdch \u010di pravdiv\u00fdch informac\u00ed ve zdravotn\u00edm dotazn\u00edku<\/li>\n\n\n\n<li>Zdravotn\u00ed pot\u00ed\u017ee souvisej\u00edc\u00ed s pojistnou ud\u00e1lost\u00ed p\u0159ed vstupem do poji\u0161t\u011bn\u00ed<\/li>\n\n\n\n<li>Drobn\u00e9 \u00farazy s krat\u0161\u00ed ne\u017e minim\u00e1ln\u00ed dobou l\u00e9\u010den\u00ed<\/li>\n\n\n\n<li>\u00daraz v d\u016fsledku nepoji\u0161t\u011bn\u00e9ho sportu<\/li>\n\n\n\n<li>V\u00e1\u017en\u00e1 nemoc, kter\u00e1 nezanechala n\u00e1sledky nebo nedos\u00e1hla stadia p\u0159edpokl\u00e1dan\u00e9ho v pojistn\u00fdch podm\u00ednk\u00e1ch<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-vas-muze-o-plneni-pripravit-chybne-nahlaseni-pojistne-udalosti\">Jak v\u00e1s m\u016f\u017ee o pln\u011bn\u00ed p\u0159ipravit chybn\u00e9 nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti?&nbsp;<\/h2>\n\n\n\n<p>Krom\u011b v\u00fdluk z poji\u0161t\u011bn\u00ed v\u00e1s mohou o pln\u011bn\u00ed p\u0159ipravit i form\u00e1ln\u00ed a \u201cprocesn\u00ed\u201d chyby. M\u016f\u017ee j\u00edt o pozdn\u00ed hl\u00e1\u0161en\u00ed \u0161kod, nedostate\u010dn\u00e9 dolo\u017een\u00ed \u0161kod nebo samostatn\u00e9 \u0159e\u0161en\u00ed \u0161kod v situaci, kdy se mus\u00edte o postupu poradit s poji\u0161\u0165ovnou. V\u0161echny tyto situace se v poji\u0161\u0165ovn\u00e1ch dennodenn\u011b opakuj\u00ed a \u010dasto jsou p\u0159\u00ed\u010dinou <strong>\u00fapln\u00e9ho odm\u00edtnut\u00ed pln\u011bn\u00ed<\/strong>, nebo jeho <strong>kr\u00e1cen\u00ed<\/strong>. Na co byste si m\u011bli d\u00e1t pozor?<\/p>\n\n\n\n<p><strong>Nahl\u00e1\u0161en\u00ed \u0161kody neodkl\u00e1dejte<\/strong>, i kdy\u017e v\u00e1m k tomu pojistn\u00e9 podm\u00ednky d\u00e1vaj\u00ed \u0161t\u011bdrou lh\u016ftu. V\u017edy byste m\u011bli (i podle z\u00e1kona) nahl\u00e1sit pojistnou ud\u00e1lost <strong>bez zbyte\u010dn\u00e9ho odkladu <\/strong>a m\u00e1 to velmi praktick\u00e9 d\u016fvody &#8211; pozd\u011bj\u0161\u00ed vy\u0161et\u0159ov\u00e1n\u00ed pojistn\u00e9 ud\u00e1losti m\u016f\u017ee zp\u016fsobit, \u017ee n\u011bkter\u00e9 ud\u00e1losti nebude mo\u017en\u00e9 <strong>dob\u0159e pro\u0161et\u0159it<\/strong>, p\u0159\u00edpadn\u011b u\u017e bude<strong> nemo\u017en\u00e9 ov\u011b\u0159it<\/strong> v\u00e1mi tvrzen\u00e9 skute\u010dnosti nebo nap\u0159\u00edklad vyslechnout sv\u011bdka. I zcela legitimn\u00ed n\u00e1rok na v\u00fdplatu pojistn\u00e9ho pln\u011bn\u00ed by se kv\u016fli v\u00fdrazn\u00e9mu zpo\u017ed\u011bn\u00ed mohl d\u00e1t v krajn\u00edm p\u0159\u00edpad\u011b v o\u010d\u00edch poji\u0161\u0165ovny pova\u017eovat za pokus o <strong>pojistn\u00fd podvod<\/strong>. Nespol\u00e9hejte se tedy na <strong>t\u0159\u00edlet\u00e9 proml\u010dec\u00ed lh\u016fty<\/strong> v pojistn\u00fdch podm\u00ednk\u00e1ch a sna\u017ete se po ud\u00e1losti o promptn\u00ed shrom\u00e1\u017ed\u011bn\u00ed ve\u0161ker\u00e9ho \u201cd\u016fkazn\u00edho materi\u00e1lu\u201d a jeho p\u0159ed\u00e1n\u00ed poji\u0161\u0165ovn\u011b<strong> v \u0159\u00e1du dn\u016f po pojistn\u00e9 ud\u00e1losti<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Nevypl\u00e1c\u00ed se ani \u0159e\u0161en\u00ed \u0161kod na vlastn\u00ed p\u011bst. V majetkov\u00e9m a cestovn\u00edm poji\u0161t\u011bn\u00ed nebo autopoji\u0161t\u011bn\u00ed se \u010dasto st\u00e1v\u00e1, \u017ee si <strong>klienti v\u0161e pot\u0159ebn\u00e9<\/strong> <strong>za\u0159\u00edd\u00ed sami<\/strong> a a\u017e <strong>pot\u00e9 se za\u010dnou zab\u00fdvat svou pojistkou<\/strong>. Bohu\u017eel, t\u00edm se nev\u011bdomky v ur\u010dit\u00fdch situac\u00edch p\u0159ipravuj\u00ed o \u010derp\u00e1n\u00ed pen\u011bz. Nap\u0159\u00edklad kdy\u017e je ve smluvn\u00edch dokumentech poji\u0161\u0165ovna informovala o tom, \u017ee je pot\u0159eba <strong>nejprve poji\u0161\u0165ovn\u011b nahl\u00e1sit \u0161kodu<\/strong>, aby zajistila<strong> opravu auta ve smluvn\u00edm autoservisu<\/strong>, <strong>slu\u017eby z\u00e1me\u010dn\u00edka<\/strong> v poji\u0161t\u011bn\u00ed majetku nebo <strong>o\u0161et\u0159en\u00ed v nemocnici<\/strong> v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed. Nikdy neprohloup\u00edte, pokud budete nejprve koordinovat postup s poji\u0161\u0165ovnou, jinak se m\u016f\u017ee st\u00e1t, \u017ee v\u00e1m<strong> zp\u011btn\u011b \u00fa\u010dtenky poji\u0161\u0165ovna neproplat\u00ed<\/strong>.<\/p>\n\n\n\n<p>Ne\u0161\u0165astnou chybou, kter\u00e1 v\u00e1s m\u016f\u017ee p\u0159ipravit o hodn\u011b pen\u011bz z va\u0161\u00ed pojistky, je i <strong>nedostate\u010dn\u00e9 dolo\u017een\u00ed pojistn\u00e9 ud\u00e1losti<\/strong>. P\u0159i dokazov\u00e1n\u00ed pojistn\u00e9 ud\u00e1losti neplat\u00ed, \u017ee m\u00e9n\u011b je v\u00edce &#8211; uchovan\u00e9<strong> \u00fa\u010dtenky, fotografie, videoz\u00e1znamy nebo v\u00fdpov\u011bdi sv\u011bdk\u016f<\/strong> budou hr\u00e1t ve v\u00e1\u0161 prosp\u011bch. V <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">\u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/a> se zase za hlavn\u00ed dokumenty pova\u017euj\u00ed <strong>l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy<\/strong>. Vyplat\u00ed se v\u0161echny podklady uschov\u00e1vat &#8211; podcen\u011bn\u00ed dokumentace v\u00e1m zkr\u00e1tka m\u016f\u017ee celou snahu o v\u00fdplatu pln\u011bn\u00ed pokazit.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"999\" 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\/10\/front-view-man-black-car-1-1-1.jpg\" alt=\"poji\u0161\u0165ovna nechce uhradit \u0161kodu\" class=\"wp-image-3682\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/10\/front-view-man-black-car-1-1-1.jpg 999w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/10\/front-view-man-black-car-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/10\/front-view-man-black-car-1-1-1-768x513.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/10\/front-view-man-black-car-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/10\/front-view-man-black-car-1-1-1-674x450.jpg 674w\" data-sizes=\"(max-width: 999px) 100vw, 999px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-muzete-delat-kdyz-pojistovna-nechce-uhradit-skodu\">Co m\u016f\u017eete d\u011blat, kdy\u017e poji\u0161\u0165ovna nechce uhradit \u0161kodu?<\/h2>\n\n\n\n<ul>\n<li>Dob\u0159e si prostudujte <strong>od\u016fvodn\u011bn\u00ed poji\u0161\u0165ovny<\/strong> k odm\u00edtnut\u00ed v\u00fdplaty pojistn\u00e9ho pln\u011bn\u00ed. Pokud je od\u016fvodn\u011bn\u00ed ne\u00fapln\u00e9, po\u017e\u00e1dejte poji\u0161\u0165ovnu o dal\u0161\u00ed informace k \u0161et\u0159en\u00ed va\u0161eho p\u0159\u00edpadu a srovnejte argumentaci poji\u0161\u0165ovny s<strong> pojistn\u00fdmi podm\u00ednkami <\/strong>va\u0161eho poji\u0161t\u011bn\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Proti rozhodnut\u00ed poji\u0161\u0165ovny <strong>se m\u016f\u017eete odvolat<\/strong>. Ve sv\u00e9m odvol\u00e1n\u00ed popi\u0161te, jak\u00e9 informace a dokumenty podporuj\u00ed va\u0161e tvrzen\u00ed a p\u0159\u00edpadn\u011b p\u0159ilo\u017ete <strong>dal\u0161\u00ed podklady<\/strong>, kter\u00e9 jste v dob\u011b nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti nem\u011bli k dispozici, jako nap\u0159\u00edklad&nbsp; <strong>znaleck\u00fd posudek \u010di dal\u0161\u00ed p\u00edsemnosti<\/strong>. Poji\u0161\u0165ovna zah\u00e1j\u00ed p\u0159ezkum, jeho\u017e v\u00fdsledkem m\u016f\u017ee b\u00fdt uzn\u00e1n\u00ed va\u0161eho n\u00e1roku.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Pokud jedn\u00e1n\u00ed s poji\u0161\u0165ovnou nebylo \u00fasp\u011b\u0161n\u00e9, obr\u00e1tit se m\u016f\u017eete na org\u00e1ny <strong>mimosoudn\u00edho \u0159e\u0161en\u00ed spor\u016f<\/strong>, jako je<strong> <\/strong><a href=\"https:\/\/finarbitr.gov.cz\/cs\/\" target=\"_blank\" rel=\"noopener\"><strong>finan\u010dn\u00ed arbitr<\/strong><\/a><strong> <\/strong>v r\u00e1mci spor\u016f ohledn\u011b <strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. U <strong>ne\u017eivotn\u00edch typ\u016f poji\u0161t\u011bn\u00ed<\/strong> (poji\u0161t\u011bn\u00ed vozidel, majetku, odpov\u011bdnosti a dal\u0161\u00edch) je pak org\u00e1nem mimosoudn\u00edho \u0159e\u0161en\u00ed spot\u0159ebitelsk\u00fdch spor\u016f <a href=\"https:\/\/coi.gov.cz\/\" target=\"_blank\" rel=\"noopener\"><strong>\u010cesk\u00e1 obchodn\u00ed inspekce<\/strong><\/a> a <a href=\"https:\/\/www.ombudsmancap.cz\/\" target=\"_blank\" rel=\"noopener\"><strong>Kancel\u00e1\u0159 ombudsmana \u010cesk\u00e9 asociace poji\u0161\u0165oven<\/strong><\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Mo\u017enost\u00ed, kter\u00e1 se v\u00e1m nab\u00edz\u00ed v\u017edy a ve v\u0161ech p\u0159\u00edpadech, je tak\u00e9 <strong>soudn\u00ed \u0159\u00edzen\u00ed<\/strong>. V r\u00e1mci ob\u010danskopr\u00e1vn\u00edho sporu i mimosoudn\u00edho \u0159\u00edzen\u00ed se neobejdete bez slu\u017eeb pr\u00e1vn\u00edka. Po\u010d\u00edtejte s t\u00edm, \u017ee se spory mohou t\u00e1hnout<strong> dlouho <\/strong>a vlo\u017e\u00edte do nich nejen \u010das a energii, ale tak\u00e9 t\u0159eba i desetitis\u00edce korun.&nbsp;&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>U\u0161et\u0159ete si nervy i pen\u00edze a najd\u011bte poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s nikdy nenech\u00e1 ve \u0161tychu. Na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> si srovn\u00e1te nab\u00eddky od ov\u011b\u0159en\u00fdch poji\u0161\u0165oven s v\u00fdhodn\u00fdmi podm\u00ednkami i cenou. Zkuste to hned te\u010f!<\/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\/\" style=\"background-color:#605db5\">Naj\u00edt nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Odm\u00edtnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody spor\u016f mezi klienty a poji\u0161\u0165ovnami. Ka\u017ed\u00fd rok se to t\u00fdk\u00e1 tis\u00edc\u016f lid\u00ed \u2013 od \u0159idi\u010d\u016f, p\u0159es majitele dom\u016f a\u017e po cestovatele. Mnoz\u00ed se s neochotou poji\u0161\u0165ovny sm\u00ed\u0159\u00ed, ne v\u017edy je to ale nutn\u00e9. Jak\u00e9 kroky m\u016f\u017eete podniknout, kdy\u017e v\u00e1m poji\u0161\u0165ovna nechce uhradit \u0161kodu nebo vyplat\u00ed n\u00edzk\u00e9 od\u0161kodn\u011bn\u00ed? To v\u00e1m shrneme v tomto \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3681,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,9,10,48,6,8],"tags":[17,23,51,45,30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3678"}],"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=3678"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3678\/revisions"}],"predecessor-version":[{"id":3696,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3678\/revisions\/3696"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3681"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}