{"id":271,"date":"2020-02-25T10:43:40","date_gmt":"2020-02-25T09:43:40","guid":{"rendered":"http:\/\/avogado.cz\/avobook\/?p=271"},"modified":"2020-09-30T19:29:20","modified_gmt":"2020-09-30T17:29:20","slug":"5-nejcastejsich-chyb-kterymi-se-poskozeni-u-dopravnich-nehod-pripravi-o-nalezite-odskodneni","status":"publish","type":"post","link":"https:\/\/avogado.cz\/avobook\/2020\/02\/25\/5-nejcastejsich-chyb-kterymi-se-poskozeni-u-dopravnich-nehod-pripravi-o-nalezite-odskodneni\/","title":{"rendered":"5 nej\u010dast\u011bj\u0161\u00edch chyb, kter\u00fdmi se po\u0161kozen\u00ed u dopravn\u00edch nehod p\u0159iprav\u00ed o n\u00e1le\u017eit\u00e9 od\u0161kodn\u011bn\u00ed"},"content":{"rendered":"\n<p><strong>Jako po\u0161kozen\u00fd u dopravn\u00ed nehody m\u00e1te n\u00e1rok na od\u0161kodn\u011bn\u00ed od poji\u0161\u0165ovny vin\u00edka. Ano, p\u0159esn\u011b proto si plat\u00edme povinn\u00e9 ru\u010den\u00ed. Jak\u00e9 chyby v\u00e1m ale m\u016f\u017eou od\u0161kodn\u011bn\u00ed zkr\u00e1tit?<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>1. Nezavol\u00e1n\u00ed policie<\/h3>\n\n\n\n<p>Ze z\u00e1kona m\u00e1te povinnost volat policii p\u0159i \u0161kod\u011b na vozidle nad 100 000,- K\u010d, pokud dojde k \u00fajm\u011b na zdrav\u00ed nebo usmrcen\u00ed a \u0161kod\u011b na majetku t\u0159et\u00ed osoby (nap\u0159. svodidla). Pokud si v\u00fd\u0161\u00ed \u0161kody nejste jist\u00ed, je lep\u0161\u00ed policii v\u017edy zavolat. Pokud by toti\u017e oprava v\u00fdrazn\u011b p\u0159ekro\u010dila limit, m\u016f\u017ee se st\u00e1t, \u017ee poji\u0161\u0165ovna ozna\u010d\u00ed dopravn\u00ed nehodu jako pojistn\u00fd podvod a nezaplat\u00ed v\u00e1m ani korunu.Pokud jste se ocitli v roli po\u0161kozen\u00e9ho a vin\u00edk nesouhlas\u00ed se sv\u00fdm zavin\u011bn\u00edm, v\u017edy je lep\u0161\u00ed policii zavolat. Ta ur\u010d\u00ed nehodov\u00fd d\u011bj jasn\u011b. U\u0161et\u0159\u00edte si t\u00edm tak spousty dohadov\u00e1n\u00ed s poji\u0161\u0165ovnou.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>2. Nedostate\u010dn\u00e9 zaji\u0161t\u011bn\u00ed sv\u011bdk\u016f a d\u016fkaz\u016f<\/h3>\n\n\n\n<p>Dokazov\u00e1n\u00ed, dokazov\u00e1n\u00ed a zase dokazov\u00e1n\u00ed. V\u0161echno, co poji\u0161\u0165ovn\u011b neprok\u00e1\u017eete, v\u00e1m nezaplat\u00ed. Proto pokud v\u00e1m to zdravotn\u00ed stav dovol\u00ed, po\u0159i\u010fte si vlastn\u00ed fotodokumentaci m\u00edsta nehody. Ide\u00e1ln\u011b vyfo\u0165te postaven\u00ed vozidel, ka\u017ed\u00fd prom\u00e1\u010dkl\u00fd plech, a hlavn\u011b, v\u0161echny po\u0161kozen\u00e9 v\u011bci (nap\u0159. oble\u010den\u00ed, autoseda\u010dka, autokamera apod.)V p\u0159\u00edpad\u011b sporn\u00e9 dopravn\u00ed nehody se sna\u017ete zajistit si sv\u011bdky. Posta\u010d\u00ed jm\u00e9no a kontakt, kter\u00fd pak p\u0159ed\u00e1te poji\u0161\u0165ovn\u011b a ta u\u017e se s nimi sama spoj\u00ed.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-gallery columns-1 is-cropped\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><img loading=\"lazy\" width=\"1024\" height=\"324\" src=\"http:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-1024x324.png\" alt=\"\" data-id=\"676\" data-full-url=\"http:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f.png\" data-link=\"http:\/\/avogado.cz\/avobook\/2020\/11\/06\/hever-1-cast-jak-spravne-prodat-starsi-auto\/banner-odskodneni-avobook-f-2\/\" class=\"wp-image-676\" srcset=\"https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-1024x324.png 1024w, https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-300x95.png 300w, https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-768x243.png 768w, https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-1536x487.png 1536w, https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f-600x190.png 600w, https:\/\/avogado.cz\/avobook\/wp-content\/uploads\/2020\/12\/Banner-Od\u0161kodn\u011bn\u00ed-Avobook-f.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/li><\/ul><\/figure>\n\n\n\n<h3>3. \u0160patn\u00e9 nahl\u00e1\u0161en\u00ed nehodov\u00e9ho d\u011bje poji\u0161\u0165ovn\u011b<\/h3>\n\n\n\n<p>Dejte si pozor, jak dopravn\u00ed nehodu nahl\u00e1s\u00edte poji\u0161\u0165ovn\u011b vin\u00edka. V\u017edy plat\u00ed pravidlo \u201c\u010d\u00edm m\u00e9n\u011b, t\u00edm l\u00e9pe\u201d. Nepopisujte detaily, kter\u00e9 by v\u00e1m mohly u\u0161kodit. Stru\u010dn\u011b popi\u0161te, co se stalo, a neuv\u00e1d\u011bjte nepravdiv\u00e9 informace.Pokud se va\u0161e hl\u00e1\u0161en\u00ed bude rozch\u00e1zet s t\u00edm vin\u00edkov\u00fdm, poji\u0161\u0165ovna bude d\u011bj pro\u0161et\u0159ovat. Kdy\u017e se opravdu neshodnete, poji\u0161\u0165ovna m\u016f\u017ee v\u00e1\u0161 n\u00e1rok sn\u00ed\u017eit na 50%. To znamen\u00e1, \u017ee ur\u010d\u00ed vinu p\u016fl na p\u016fl. V tom hor\u0161\u00ed p\u0159\u00edpad\u011b \u0161kodu zam\u00edtne \u00fapln\u011b. A zase se vrac\u00edme k tomu, \u017ee je lep\u0161\u00ed m\u00edt z\u00e1znam od policie.I v z\u00e1znamu policie v\u0161ak m\u016f\u017ee doj\u00edt k chyb\u011b, a proto pokud v z\u00e1znamu s n\u011b\u010d\u00edm nesouhlas\u00edte, napi\u0161te tam nejprve sv\u00e9 vyj\u00e1d\u0159en\u00ed, a a\u017e pak ho podepi\u0161te.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>4. Neodkl\u00e1d\u00e1m si dokumenty pro poji\u0161\u0165ovnu<\/h3>\n\n\n\n<p>P\u0159edev\u0161\u00edm u \u0161kody na zdrav\u00ed je velmi d\u016fle\u017eit\u00e9 si odkl\u00e1dat pot\u0159ebn\u00e9 dokumenty pro poji\u0161\u0165ovnu. N\u00e1rok, kter\u00fd nebude dostate\u010dn\u011b podlo\u017een\u00fd, poji\u0161\u0165ovna nezaplat\u00ed. Uschovejte si v\u0161echny l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, \u00fa\u010dtenky z l\u00e9k\u00e1rny, \u00fa\u010dtenky od parkovi\u0161t\u011b u nemocnic, apod.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>5. Nepo\u017e\u00e1d\u00e1m si o to, na co m\u00e1m n\u00e1rok<\/h3>\n\n\n\n<p>A jsme u toho nejd\u016fle\u017eit\u011bj\u0161\u00edho. Poji\u0161\u0165ovna v\u00e1m zaplat\u00ed jen to, o co si sami \u0159eknete. Zn\u00e1te ale v\u0161echny sv\u00e9 n\u00e1roky? N\u00e1rok na od\u0161kodn\u011bn\u00ed vozidla je jasn\u00fd. Co ale va\u0161e zdrav\u00ed? M\u016f\u017eete si \u0159\u00edct o bolestn\u00e9, u\u0161lou mzdu, n\u00e1klady spojen\u00e9 s l\u00e9\u010den\u00edm, zt\u00ed\u017een\u00ed spole\u010densk\u00e9ho uplatn\u011bn\u00ed, a dal\u0161\u00ed.P\u0159edstavte si, \u017ee m\u00e1te l\u00edstky do divadla, ale den p\u0159ed p\u0159edstaven\u00edm se v\u00e1m stane nezavin\u011bn\u00e1 dopravn\u00ed nehoda. Va\u0161e zran\u011bn\u00ed v\u00e1m ale nedovol\u00ed se p\u0159edstaven\u00ed z\u00fa\u010dastnit a tak l\u00edstky propadnou. Ano, i tohle je n\u00e1rok, kter\u00fd v\u00e1m poji\u0161\u0165ovna mus\u00ed zaplatit.Pokud jste se do takov\u00e9 situace nikdy nedostali, ur\u010dit\u011b se pora\u010fte. P\u0159ece sv\u00e9 pen\u00edze nechcete nechat poji\u0161\u0165ovn\u011b. My u\u017e zku\u0161enosti m\u00e1me a r\u00e1di se o n\u011b s v\u00e1mi pod\u011bl\u00edme. Nebo u\u017e v\u00e1\u0161 p\u0159\u00edpad \u0159e\u0161\u00ed na\u0161i specialisti?&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color has-background no-border-radius\" href=\"https:\/\/avogado.cz\/odskodneni\/\" style=\"background-color:#251065\">ZDARMA POSOUDIT P\u0158\u00cdPAD<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Jako po\u0161kozen\u00fd u dopravn\u00ed nehody m\u00e1te n\u00e1rok na od\u0161kodn\u011bn\u00ed od poji\u0161\u0165ovny vin\u00edka. Ano, p\u0159esn\u011b proto si plat\u00edme povinn\u00e9 ru\u010den\u00ed. Jak\u00e9 chyby v\u00e1m ale m\u016f\u017eou od\u0161kodn\u011bn\u00ed zkr\u00e1tit? 1. Nezavol\u00e1n\u00ed policie Ze z\u00e1kona m\u00e1te povinnost volat policii p\u0159i \u0161kod\u011b na vozidle nad 100 000,- K\u010d, pokud dojde k \u00fajm\u011b na zdrav\u00ed nebo usmrcen\u00ed a \u0161kod\u011b na majetku [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15,13],"tags":[5,6,7,8],"_links":{"self":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/271"}],"collection":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/comments?post=271"}],"version-history":[{"count":3,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/271\/revisions"}],"predecessor-version":[{"id":623,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/271\/revisions\/623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/media\/272"}],"wp:attachment":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/media?parent=271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/categories?post=271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/tags?post=271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}