[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojisteni-vozidel\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojisteni-vozidel\/","headline":"Poji\u0161t\u011bn\u00ed vozidel","name":"Poji\u0161t\u011bn\u00ed vozidel","description":"Mnohdy to ani nemus\u00ed b\u00fdt zp\u016fsobeno Va\u0161\u00ed nepozornost\u00ed. Sta\u010d\u00ed, kdy\u017e se \u0159\u00edzen\u00ed pln\u011b nev\u011bnuje n\u011bkdo dal\u0161\u00ed, kdo V\u00e1m m\u016f\u017ee zp\u016fsobit po\u0161kozen\u00ed vozidla nebo nedej bo\u017ee \u00fajmu na zdrav\u00ed. Takov\u00e1 dopravn\u00ed nehoda se mnohdy m\u016f\u017ee pohybovat ve statis\u00edc\u00edch korun, u hromadn\u00e9 dopravn\u00ed nehody i v milionech korun. Pokud se to tak bohu\u017eel stane, nast\u00e1v\u00e1 situace, kdy vin\u00edk …

Poji\u0161t\u011bn\u00ed vozidel<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-08-19","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298109_w2264_t1508406043.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298109_w2264_t1508406043.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pojisteni-vozidel\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":533,"articleBody":"Mnohdy to ani nemus\u00ed b\u00fdt zp\u016fsobeno Va\u0161\u00ed nepozornost\u00ed. Sta\u010d\u00ed, kdy\u017e se \u0159\u00edzen\u00ed pln\u011b nev\u011bnuje n\u011bkdo dal\u0161\u00ed, kdo V\u00e1m m\u016f\u017ee zp\u016fsobit po\u0161kozen\u00ed vozidla nebo nedej bo\u017ee \u00fajmu na zdrav\u00ed. Takov\u00e1 dopravn\u00ed nehoda se mnohdy m\u016f\u017ee pohybovat ve statis\u00edc\u00edch korun, u hromadn\u00e9 dopravn\u00ed nehody i v milionech korun. Pokud se to tak bohu\u017eel stane, nast\u00e1v\u00e1 situace, kdy vin\u00edk nehody mus\u00ed hradit ve\u0161ker\u00e9 \u0161kody vznikl\u00e9 v souvislosti s touto nehodou.U poji\u0161t\u011bn\u00ed vozidel rozli\u0161ujeme dva druhy pojistek:·         Prvn\u00ed se naz\u00fdv\u00e1 poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu zp\u016fsobenou provozem vozidla. V\u011bt\u0161ina z n\u00e1s to zn\u00e1 pod pojmem povinn\u00e9 ru\u010den\u00ed. Toto poji\u0161t\u011bn\u00ed mus\u00ed m\u00edt ka\u017ed\u00e9 vozidlo \u00fa\u010dastn\u00edc\u00ed se silni\u010dn\u00edho provozu ze z\u00e1kona. To, \u017ee m\u00e1me \u0159\u00e1dn\u011b uzav\u0159en\u00e9 toto poji\u0161t\u011bn\u00ed, prok\u00e1\u017eeme zelenou kartou, kterou mus\u00edme vozit v\u017edy u sebe. V r\u00e1mci povinn\u00e9ho ru\u010den\u00ed se hrad\u00ed \u00fajma zp\u016fsoben\u00e1 p\u0159i dopravn\u00ed nehod\u011b n\u011bkomu jin\u00e9mu. Rozli\u0161uje se na \u00fajmu na zdrav\u00ed a \u017eivot\u011b, z \u010deho\u017e se hrad\u00ed l\u00e9\u010den\u00ed, a \u0161kody na majetku a u\u0161l\u00fd zisk, z \u010deho\u017e se hrad\u00ed opraven\u00ed po\u0161kozen\u00e9ho vozidla, poskytnut\u00ed n\u00e1hradn\u00edho vozidla, p\u0159\u00edpadn\u011b u\u0161l\u00fd zisk po\u0161kozen\u00e9mu. Z\u00e1kon stanovuje z\u00e1konn\u00e9 minim\u00e1ln\u00ed limity t\u011bchto dvou \u010d\u00e1stek povinn\u00e9ho ru\u010den\u00ed na 35 mil. K\u010d pro ka\u017edou \u010d\u00e1st zvl\u00e1\u0161\u0165. Poji\u0161\u0165ovny ale umo\u017e\u0148uj\u00ed mnohem vy\u0161\u0161\u00ed limity.K povinn\u00e9mu ru\u010den\u00ed si m\u016f\u017eeme sjednat p\u0159ipoji\u0161t\u011bn\u00ed skel, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed vztahuj\u00edc\u00ed se nap\u0159\u00edklad na to, kdy\u017e si p\u0159iv\u0159eme prst ve dve\u0159\u00edch auta, poji\u0161t\u011bn\u00ed zavazadel, st\u0159et se zv\u011b\u0159\u00ed, roz\u0161\u00ed\u0159en\u00e9 asisten\u010dn\u00ed slu\u017eby, ze kter\u00fdch lze uhradit nap\u0159. odtah vozidla. Pokud odjezd\u00edte cel\u00fd rok bez nehody, na\u010d\u00edt\u00e1 se V\u00e1m bonus, kter\u00fd V\u00e1m povinn\u00e9 ru\u010den\u00ed zlev\u0148uje. Maxim\u00e1ln\u011b tento bonus m\u016f\u017ee m\u00edt hodnotu 50 %.·         Druhou pojistkou je havarijn\u00ed poji\u0161t\u011bn\u00ed. Toto nen\u00ed d\u00e1no z\u00e1konem, tak\u017ee si jej uzav\u00edr\u00e1te z vlastn\u00ed v\u016fle. Z t\u00e9to pojistky se hrad\u00ed \u0161kody na Va\u0161em vlastn\u00edm vozidle, a\u0165 u\u017e jsou zp\u016fsoben\u00e9 Va\u0161\u00ed vlastn\u00ed vinou, \u017eivelnou pohromou (povode\u0148, kroupy, ohe\u0148, sn\u00edh…), nebo odcizen\u00edm \u010di vandalismem. Pokud kupujete \u00fapln\u011b nov\u00e9 auto z autosalonu, nav\u00edc t\u0159eba na leasing, mus\u00ed b\u00fdt uzav\u0159eno v\u017edy. Pokud pl\u00e1nujete koupi nov\u011bj\u0161\u00edho auta v budoucnu, i kdy\u017e t\u0159eba z bazaru, m\u016f\u017eete si uzav\u0159\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed na sv\u00e9 star\u0161\u00ed auto, kter\u00e9 bude samo o sob\u011b levn\u011bj\u0161\u00ed, ale vyjedete si tak bonusy do budoucna pro sv\u00e9 nov\u011bj\u0161\u00ed auto. A v\u011b\u0159te, \u017ee je velk\u00e1 v\u00fdhoda, pokud ne\u0161\u0165astnou n\u00e1hodou \u0165uknete do jin\u00e9ho auta, kdy\u017e si opravu nemus\u00edte platit z vlastn\u00ed kapsy. 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