{"id":573,"date":"2020-07-17T11:36:33","date_gmt":"2020-07-17T09:36:33","guid":{"rendered":"http:\/\/avogado.cz\/avobook\/?p=573"},"modified":"2020-09-30T19:27:35","modified_gmt":"2020-09-30T17:27:35","slug":"5-duvodu-proc-je-u-odskodneni-lepsi-se-nechat-zastoupit-odbornikem","status":"publish","type":"post","link":"https:\/\/avogado.cz\/avobook\/2020\/07\/17\/5-duvodu-proc-je-u-odskodneni-lepsi-se-nechat-zastoupit-odbornikem\/","title":{"rendered":"5 d\u016fvod\u016f, pro\u010d je u od\u0161kodn\u011bn\u00ed d\u016fle\u017eit\u00e9 se nechat zastoupit odborn\u00edkem"},"content":{"rendered":"\n
Mnoho lid\u00ed si st\u00e1le mysl\u00ed, \u017ee v p\u0159\u00edpad\u011b dopravn\u00ed nehody nebo pracovn\u00edho \u00farazu jim poji\u0161\u0165ovna vyplat\u00ed n\u00e1le\u017eit\u00e9 od\u0161kodn\u011bn\u00ed za jejich \u00faraz. Sami komunikuj\u00ed s poji\u0161\u0165ovnou s v\u011bdom\u00edm, \u017ee si v\u0161e dok\u00e1\u017e\u00ed vy\u0159\u00eddit sami. Je tomu tak? <\/p>\n\n\n\n
A\u017e 70% po\u0161kozen\u00fdch nezn\u00e1 v\u0161echny sv\u00e9 n\u00e1roky a nev\u011bdomky nech\u00e1vaj\u00ed sv\u00e9 pen\u00edze poji\u0161\u0165ovn\u00e1m. Poji\u0161\u0165ovny jsou jednozna\u010dn\u011b ta siln\u011bj\u0161\u00ed strana a nem\u00e1 d\u016fvod vypl\u00e1cet pln\u011bn\u00ed, o kter\u00e9 si ne\u0159eknete. Nebylo by lep\u0161\u00ed vyrovnat s\u00edly? V\u00edce ne\u017e kde jinde zde plat\u00ed: ,,O co si ne\u0159eknete, nedostanete\u201d!<\/strong><\/p>\n\n\n\n
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1. Od\u0161kodn\u011bn\u00ed v t\u00e9 spr\u00e1vn\u00e9 v\u00fd\u0161i<\/strong><\/h3>\n\n\n\n
U dopravn\u00edch nehod poji\u0161\u0165ovna zastupuje vin\u00edka a u pracovn\u00edch \u00faraz\u016f zase zam\u011bstnavatele. Nejste to tedy vy, v \u010d\u00edm z\u00e1jmu jedn\u00e1. Naopak. Poji\u0161\u0165ovna k v\u00e1m nebude p\u0159istupovat individu\u00e1ln\u011b, nebude se v\u00e1s na nic pt\u00e1t, ani zji\u0161\u0165ovat p\u0159esn\u00fd rozsah toho, co by v\u00e1m m\u011bla proplatit.<\/p>\n\n\n\n
Odborn\u00edk v\u00e1m zajist\u00ed adekv\u00e1tn\u00ed bolestn\u00e9, p\u0159esn\u011b vy\u010d\u00edsl\u00ed u\u0161lou mzdu nebo zisk, probere s v\u00e1mi ve\u0161ker\u00e9 n\u00e1klady, kter\u00e9 by poji\u0161\u0165ovna m\u011bla uhradit a rad\u00ed, na co si u\u017e dop\u0159edu d\u00e1t pozor.<\/p>\n\n\n\n
\u00dajma zdrav\u00ed se hodnot\u00ed body pomoc\u00ed posudku o bolestn\u00e9m. Zpravidla v\u00e1m poji\u0161\u0165ovna za\u0161le formul\u00e1\u0159 a po\u0161le v\u00e1s ke sv\u00e9mu o\u0161et\u0159uj\u00edc\u00edmu l\u00e9ka\u0159i. U leh\u010d\u00edch zran\u011bn\u00ed \u017e\u00e1dn\u00fd probl\u00e9m, ale u st\u0159edn\u011b t\u011b\u017ek\u00fdch a t\u011b\u017ek\u00fdch rozhodn\u011b. O\u0161et\u0159uj\u00edc\u00ed l\u00e9ka\u0159i v\u0161ak neb\u00fdvaj\u00ed odborn\u00edci na hodnocen\u00ed nemajetkov\u00e9 \u00fajmy.<\/p>\n\n\n\n
P\u0159itom m\u00e1te n\u00e1rok na hodnocen\u00ed znalcem, kter\u00fd se problematikou zab\u00fdv\u00e1. Pokud si nech\u00e1te doporu\u010dit toho spr\u00e1vn\u00e9ho znalce, m\u016f\u017ee b\u00fdt va\u0161e od\u0161kodn\u011bn\u00ed dvojn\u00e1sobn\u011b a\u017e trojn\u00e1sobn\u011b vy\u0161\u0161\u00ed. B\u00fdvaj\u00ed dra\u017e\u0161\u00ed, ale poji\u0161\u0165ovna v\u00e1m je z\u010d\u00e1sti nebo zcela proplat\u00ed. <\/p>\n\n\n\n
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3. N\u00e1klady spojen\u00e9 s l\u00e9\u010dbou a dal\u0161\u00ed<\/strong><\/h3>\n\n\n\n
U ka\u017ed\u00e9 \u00fajmy na zdrav\u00ed z dopravn\u00ed nehody nebo pracovn\u00edho \u00farazu m\u00e1te n\u00e1rok na proplacen\u00ed v\u0161ech n\u00e1klad\u016f, kter\u00e9 jste v r\u00e1mci l\u00e9\u010dby museli hradit. A taky finan\u010dn\u00ed \u0161kodu, kter\u00e1 v\u00e1m \u00farazem vznikla. Co to v praxi znamen\u00e1? Poji\u0161\u0165ovna v\u00e1m \u0159ekne z\u00e1klad. N\u00e1rok na cestovn\u00e9 k l\u00e9ka\u0159i a doplatky za l\u00e9ky. Te\u010dka.<\/p>\n\n\n\n
Pokud v\u0161ak sv\u016fj p\u0159\u00edpad p\u0159ed\u00e1te odborn\u00edkovi, p\u0159esn\u011b v\u00e1m \u0159ekne, na co v\u0161echno m\u00e1te n\u00e1rok. Tak t\u0159eba, napadlo by v\u00e1s, \u017ee m\u00e1te n\u00e1rok na propadl\u00e9 l\u00edstky do divadla, natankovanou n\u00e1dr\u017e nebo storno poplatek za neuskute\u010dn\u011bno dovolenou?<\/p>\n\n\n\n
Velkou v\u00fdhodou \u0159e\u0161en\u00ed p\u0159\u00edpadu s odborn\u00edkem je informovanost. Nejen, \u017ee s v\u00e1mi probere v\u0161echny mo\u017en\u00e9 n\u00e1roky, kter\u00e9 v\u00e1m vznikly, ale procesem od\u0161kodn\u011bn\u00ed v\u00e1s provede. Poji\u0161\u0165ovna v\u00e1s na za\u010d\u00e1tku ne\u0159ekne, co si v pr\u016fb\u011bhu l\u00e9\u010dby m\u00e1te uschovat a nebo co v\u00e1m pak proplat\u00ed a co ne. <\/p>\n\n\n\n
V\u011bd\u011bli jste, \u017ee pokud v\u00e1m l\u00e9ka\u0159 doporu\u010d\u00ed zpoplatn\u011bnou rehabilitaci, m\u016f\u017ee v\u00e1m ji poji\u0161\u0165ovna zp\u011btn\u011b proplatit? To ale pouze v p\u0159\u00edpad\u011b, kdy\u017e v\u00e1s na ni v\u00e1\u0161 o\u0161et\u0159uj\u00edc\u00ed l\u00e9ka\u0159 p\u00edsemn\u011b vy\u0161le. Proto\u017ee co nen\u00ed p\u00edsemn\u011b a dop\u0159edu, jakoby nebylo. Zp\u011btn\u011b se to prokazuje horko t\u011b\u017eko.<\/p>\n\n\n\n
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5. Handrkov\u00e1n\u00ed s poji\u0161\u0165ovnou <\/strong>nechte na n\u00e1s<\/h3>\n\n\n\n
A jak u\u017e to v praxi b\u00fdv\u00e1, poji\u0161\u0165ovny r\u00e1di n\u00e1roky kr\u00e1t\u00ed. Spousta po\u0161kozen\u00fdch nezn\u00e1 argumenty, kter\u00fdmi se m\u016f\u017ee br\u00e1nit. A tak s kr\u00e1cen\u00edm u\u017e d\u00e1l nic ned\u011blaj\u00ed. Tohle ale u na\u0161eho advok\u00e1ta rozhodn\u011b nehroz\u00ed. V\u017edy se sna\u017e\u00edme naj\u00edt zp\u016fsob, jak sebemen\u0161\u00ed n\u00e1rok podlo\u017eit a rveme se za ka\u017edou korunu. <\/p>\n\n\n\n
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