{"id":335627,"date":"2025-01-28T13:04:46","date_gmt":"2025-01-28T12:04:46","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=335627"},"modified":"2025-01-28T13:04:46","modified_gmt":"2025-01-28T12:04:46","slug":"dtest-povinne-ruceni-nejcastejsi-otazky-a-odpovedi","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=335627","title":{"rendered":"dTest: Povinn\u00e9 ru\u010den\u00ed: Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky a odpov\u011bdi"},"content":{"rendered":"

Povinn\u00e9 ru\u010den\u00ed neboli poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla si mus\u00ed, jak ji\u017e n\u00e1zev napov\u00edd\u00e1, v\u011bt\u0161ina z n\u00e1s z\u0159\u00eddit povinn\u011b ze z\u00e1kona. Kolem povinn\u00e9ho ru\u010den\u00ed v\u0161ak m\u016f\u017ee panovat mnoho ot\u00e1zek, nap\u0159\u00edklad jak\u00e9 sankce hroz\u00ed p\u0159i jeho absenci, na co se vztahuje, na co naopak ne. Abyste mohli povinn\u00e9mu ru\u010den\u00ed l\u00e9pe porozum\u011bt, p\u0159in\u00e1\u0161\u00edme v\u00e1m p\u0159ehled t\u011bch nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek a odpov\u011bd\u00ed.<\/h4>\n

 <\/p>\n

\"\"Kdo si mus\u00ed sjednat povinn\u00e9 ru\u010den\u00ed?<\/h6>\n

Povinnost sjednat si povinn\u00e9 ru\u010den\u00ed se t\u00fdk\u00e1 v\u0161ech provozovatel\u016f vozidel zaregistrovan\u00fdch v tuzemsku. Od roku 2024 pot\u0159ebuj\u00ed povinn\u00e9 ru\u010den\u00ed krom\u011b aut, motorek, autobusu \u010di traktoru nov\u011b tak\u00e9 n\u011bkte\u0159\u00ed provozovatel\u00e9 elektrokolob\u011b\u017eek \u010di segway\u016f.<\/p>\n

Co kdy\u017e vyjedu na silnici bez povinn\u00e9ho ru\u010den\u00ed?<\/h6>\n

P\u0159edstavte si, \u017ee se vyd\u00e1v\u00e1te na cestu bez povinn\u00e9ho ru\u010den\u00ed. Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee se nic nestane, ale co kdy\u017e v\u00e1s zastav\u00ed policie nebo se stanete \u00fa\u010dastn\u00edkem nehody? \u201eBez povinn\u00e9ho ru\u010den\u00ed se nesm\u00edte \u00fa\u010dastnit silni\u010dn\u00edho provozu a to, zda m\u00e1te, \u010di nem\u00e1te povinn\u00e9 ru\u010den\u00ed eviduje \u010cesk\u00e1 kancel\u00e1\u0159 pojistitel\u016f,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. Rezignovat na povinn\u00e9 ru\u010den\u00ed se nevypl\u00e1c\u00ed, jeliko\u017e \u0159idi\u010d\u016fm hroz\u00ed hned n\u011bkolik r\u016fzn\u00fdch sankc\u00ed.<\/p>\n

Krom\u011b toho, \u017ee v\u00e1m m\u016f\u017ee Policie \u010cR ulo\u017eit pokutu a\u017e do v\u00fd\u0161e 40 tis\u00edc korun, tak \u0159idi\u010di bez povinn\u00e9ho ru\u010den\u00ed zaplat\u00ed tak\u00e9 p\u0159\u00edsp\u011bvky do garan\u010dn\u00edho fondu, kter\u00e9 vym\u00e1h\u00e1 pr\u00e1v\u011b \u010cesk\u00e1 kancel\u00e1\u0159 pojistitel\u016f. D\u00edky t\u011bmto p\u0159\u00edsp\u011bvk\u016fm nehrad\u00edte v p\u0159\u00edpad\u011b nehody celou \u0161kodu, ale pouze maxim\u00e1ln\u011b \u010d\u00e1stku 300 tis\u00edc korun.<\/p>\n

Koho povinn\u00e9 ru\u010den\u00ed chr\u00e1n\u00ed?<\/h6>\n

Povinn\u00e9 ru\u010den\u00ed chr\u00e1n\u00ed majetek toho, komu je pomoc\u00ed motorov\u00e9ho vozidla zp\u016fsobena \u00fajma. Jestli\u017ee p\u0159i vyj\u00ed\u017ed\u011bn\u00ed z gar\u00e1\u017ee nabour\u00e1te sousedovo vozidlo, bude va\u0161e poji\u0161\u0165ovna hradit \u0161kodu na jeho havarovan\u00e9m vozidle, ale d\u00e1le t\u0159eba \u0161kodu na poni\u010den\u00e9m plot\u011b, pokud byla zp\u016fsobena. \u201eKrom\u011b \u0161kody na ciz\u00edm majetku se povinn\u00e9 ru\u010den\u00ed vztahuje tak\u00e9 na \u0161kody na zdrav\u00ed jin\u00fdch osob,\u201c<\/em> upozor\u0148uje Eduarda Hek\u0161ov\u00e1. Tedy pokud byste p\u0159i zp\u016fsoben\u00ed \u0161kody na sousedov\u011b vozidle zranili tak\u00e9 kolemjdouc\u00edho, tak i jemu by va\u0161e poji\u0161\u0165ovna hradila \u0161kodu. U\u0161l\u00fd zisk po\u0161kozen\u00e9ho kolemjdouc\u00edho by tak\u00e9 hradila va\u0161e poji\u0161\u0165ovna, a i p\u0159\u00edpadn\u00e9 n\u00e1klady na pr\u00e1vn\u00ed zastoupen\u00ed. Vedle toho se z povinn\u00e9ho ru\u010den\u00ed plat\u00ed tak\u00e9 zachra\u0148ovac\u00ed n\u00e1klady, n\u00e1klady za hasi\u010dsk\u00fd z\u00e1sah a n\u00e1klady na likvidaci n\u00e1sledk\u016f dopravn\u00ed nehody, kter\u00e9 by jinak byl vin\u00edk nehody povinen s\u00e1m uhradit.<\/p>\n

Na co se povinn\u00e9 ru\u010den\u00ed nevztahuje?<\/h6>\n

Existuj\u00ed p\u0159\u00edpady, kdy \u0161kodu mus\u00ed hradit provozovatel vozidla, a\u010dkoliv povinn\u00e9 ru\u010den\u00ed \u0159\u00e1dn\u011b uzav\u0159el. Jedn\u00e1 se o tzv. v\u00fdluky z povinn\u00e9ho ru\u010den\u00ed, kter\u00e9 vych\u00e1zej\u00ed p\u0159\u00edmo ze z\u00e1kona, ale zpravidla je naleznete tak\u00e9 v pojistn\u00fdch podm\u00ednk\u00e1ch. To znamen\u00e1, \u017ee pokud nap\u0159\u00edklad v opilosti naraz\u00edte do jin\u00e9ho vozidla, tak poji\u0161\u0165ovna sice po\u0161kozen\u00e9mu uhrad\u00ed \u0161kodu z povinn\u00e9ho ru\u010den\u00ed, nicm\u00e9n\u011b n\u00e1sledn\u011b bude tuto \u010d\u00e1stku vym\u00e1hat po v\u00e1s. \u201eDo t\u011bchto v\u00fdluk z poji\u0161t\u011bn\u00ed odpov\u011bdnosti spad\u00e1 tak\u00e9 nap\u0159\u00edklad \u0159\u00edzen\u00ed bez \u0159idi\u010dsk\u00e9ho pr\u016fkazu \u010di \u0159\u00edzen\u00ed bez technick\u00e9 zp\u016fsobilosti vozidla,\u201c<\/em> uzav\u00edr\u00e1 za dTest Eduarda Hek\u0161ov\u00e1.<\/p>\n

dTest<\/strong><\/p>\n

\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Povinn\u00e9 ru\u010den\u00ed <\/p>\n","protected":false},"author":2,"featured_media":335628,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2025\/01\/28\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/335627"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=335627"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/335627\/revisions"}],"predecessor-version":[{"id":335629,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/335627\/revisions\/335629"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/335628"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=335627"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=335627"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=335627"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}