[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/povinne-ruceni-vs-havarijni-pojisteni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/povinne-ruceni-vs-havarijni-pojisteni\/","headline":"Povinn\u00e9 ru\u010den\u00ed vs. havarijn\u00ed poji\u0161t\u011bn\u00ed","name":"Povinn\u00e9 ru\u010den\u00ed vs. havarijn\u00ed poji\u0161t\u011bn\u00ed","description":"Povinn\u00e9 ru\u010den\u00ed mus\u00ed m\u00edt ka\u017ed\u00fd, kdo vlastn\u00ed auto. Podobn\u011b jako u v\u0161ech poji\u0161t\u011bn\u00ed je, \u017ee si m\u016f\u017eete vybrat jakou poji\u0161\u0165ovnu chcete. V\u011bt\u0161inou si ka\u017ed\u00fd vyb\u00edr\u00e1 podle ceny a toho, co poji\u0161\u0165ovna nab\u00edz\u00ed. Ka\u017ed\u00e9 povinn\u00e9 ru\u010den\u00ed m\u00e1 n\u011bjak\u00e9 limity. Jsou na v\u00fdb\u011br v\u011bt\u0161inou 35\/35 mil. A to znamen\u00e1, \u017ee prvn\u00ed je 35milion\u016f na zdrav\u00ed a druh\u00e9 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/povinne-ruceni-vs-havarijni-pojisteni\/\"> <span class=\"screen-reader-text\">Povinn\u00e9 ru\u010den\u00ed vs. havarijn\u00ed poji\u0161t\u011bn\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-25","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_a310635_w1998_t1521616603.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a310635_w1998_t1521616603.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/povinne-ruceni-vs-havarijni-pojisteni\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":431,"articleBody":"\tPovinn\u00e9 ru\u010den\u00ed mus\u00ed m\u00edt ka\u017ed\u00fd, kdo vlastn\u00ed auto. Podobn\u011b jako u v\u0161ech poji\u0161t\u011bn\u00ed je, \u017ee si m\u016f\u017eete vybrat jakou poji\u0161\u0165ovnu chcete. V\u011bt\u0161inou si ka\u017ed\u00fd vyb\u00edr\u00e1 podle ceny a toho, co poji\u0161\u0165ovna nab\u00edz\u00ed. Ka\u017ed\u00e9 povinn\u00e9 ru\u010den\u00ed m\u00e1 n\u011bjak\u00e9 limity. Jsou na v\u00fdb\u011br v\u011bt\u0161inou 35\/35 mil. A to znamen\u00e1, \u017ee prvn\u00ed je 35milion\u016f na zdrav\u00ed a druh\u00e9 35 milion\u016f na \u0161kod\u00e1ch na majetku. Tyhle limity jsou nejni\u017e\u0161\u00ed. Nejvy\u0161\u0161\u00ed jsou pak 100\/100 milion\u016f.\t\tJe jen na v\u00e1s, jak\u00e9 limity si vyberete, ale jakmile zp\u016fsob\u00edte \u0161kodu vy\u0161\u0161\u00ed, ne\u017e jak\u00e9 m\u00e1te limity, bude p v\u00e1s poji\u0161\u0165ovna cht\u00edt doplatit tu zbylou \u010d\u00e1stku. P\u0159i nehod\u011b ale mus\u00edte v\u017edy vyplnit z\u00e1znam o nehod\u011b, kter\u00fd m\u00e1te bu\u010f od sv\u00e9 poji\u0161\u0165ovny anebo zavol\u00e1te policii, kter\u00e1 tenhle z\u00e1znam sep\u00ed\u0161e sama. Mus\u00edte potom p\u0159ij\u00edt na poji\u0161\u0165ovnu toho, kdo nehodu zavinil a nahl\u00e1sit \u0161kodu, aby byla po\u0161kozen\u00e9mu vyplacena \u010d\u00e1stka po\u0161kozen\u00ed. Tohle v\u0161e jde z povinn\u00e9ho ru\u010den\u00ed, ale pokud byste cht\u011bli opravit i sv\u00e9 auto a cht\u011bli od poji\u0161\u0165ovny vyplatit \u010d\u00e1stku za \u0161kodu, tak v\u00e1m ji nevyplat\u00ed.\tNa tohle je dobr\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed. Je dra\u017e\u0161\u00ed. Z\u00e1le\u017e\u00ed, jak star\u00e9 auto m\u00e1te a na jakou \u010d\u00e1stku chcete sv\u00e9 auto pojistit.\t\tD\u00e1le jsou mo\u017en\u00e1 dopl\u0148kov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed jako jsou:\t&nbsp;\t\tp\u0159ipoji\u0161t\u011bn\u00ed \u010deln\u00edho skla nebo v\u0161ech skel\t\tpoji\u0161t\u011bn\u00ed zavazadel\t\tpoji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany\t\tst\u0159et se zv\u011b\u0159\u00ed\t\t\u00farazov\u00e9 poji\u0161t\u011bn\u00ed sedadel\t\tp\u0159ipoji\u0161t\u011bn\u00ed asisten\u010dn\u00edch slu\u017eeb\t\tpoji\u0161t\u011bn\u00ed p\u016fj\u010dovn\u00e9ho b\u011bhem opravy auta neboli n\u00e1hradn\u00ed vozidlo&nbsp;&nbsp;Ka\u017ed\u00e1 dopl\u0148kov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed mus\u00ed b\u00fdt k motorov\u00e9mu vozidlu bu\u010f k povinn\u00e9mu ru\u010den\u00ed nebo k havarijn\u00edmu. Samostatn\u011b pojistit nelze.&nbsp;K havarijn\u00edmu poji\u0161t\u011bn\u00ed pat\u0159\u00ed je\u0161t\u011b odcizen\u00ed nebo vandalismus. Odcizen\u00edm se mysl\u00ed to, \u017ee kdy\u017e v\u00e1m dan\u00e9 vozidlo ukradnou, vyplat\u00ed v\u00e1m \u010d\u00e1stku, kterou jste si p\u0159i uzav\u00edr\u00e1n\u00ed smlouvy zadali.Vandalismus je, kdy\u017e v\u00e1m n\u011bkdo t\u0159eba auto po\u0161kr\u00e1be anebo post\u0159\u00edk\u00e1 sprejem. Je dobr\u00e9 v\u017edy auto nafotit a zavolat policii, kter\u00e1 to za\u010dne \u0159e\u0161it. Po\u0161lete fotky a dokumentaci od policie na poji\u0161\u0165ovnu a ta v\u00e1m za\u0161le pen\u00edze, na kter\u00e9 jste si vandalismus pojistili.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Povinn\u00e9 ru\u010den\u00ed vs. havarijn\u00ed poji\u0161t\u011bn\u00ed","item":"https:\/\/www.zerba.cz\/povinne-ruceni-vs-havarijni-pojisteni\/#breadcrumbitem"}]}]