{"id":336623,"date":"2025-02-07T14:47:32","date_gmt":"2025-02-07T13:47:32","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=336623"},"modified":"2025-02-07T14:47:32","modified_gmt":"2025-02-07T13:47:32","slug":"dtest-povinne-ruceni-nejcastejsi-otazky-a-odpovedi-druha-cast","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=336623","title":{"rendered":"dTest: Povinn\u00e9 ru\u010den\u00ed: Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky a odpov\u011bdi \u2013 druh\u00e1 \u010d\u00e1st"},"content":{"rendered":"

V dne\u0161n\u00edm pokra\u010dov\u00e1n\u00ed nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek a odpov\u011bd\u00ed k povinn\u00e9mu ru\u010den\u00ed se dozv\u00edte, co v\u0161echno ovliv\u0148uje v\u00fd\u0161i pojistn\u00e9ho, zda v\u00e1m m\u016f\u017ee poji\u0161\u0165ovna jednostrann\u011b zv\u00fd\u0161it pojistn\u00e9 \u010di zda budete platit \u00fajmu v pln\u00e9 v\u00fd\u0161i v p\u0159\u00edpad\u011b nehody bez povinn\u00e9ho ru\u010den\u00ed.<\/h4>\n

\"\"Co v\u0161echno ovliv\u0148uje v\u00fd\u0161i pojistn\u00e9ho?<\/h6>\n

V\u00fd\u0161i pojistn\u00e9ho ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, p\u0159i\u010dem\u017e ka\u017ed\u00e1 poji\u0161\u0165ovna si ur\u010duje vlastn\u00ed parametry. Vybrat si tak spot\u0159ebitel\u00e9 mohou z \u0161irok\u00e9 \u0161k\u00e1ly nab\u00eddek podle toho, zda hledaj\u00ed povinn\u00e9 ru\u010den\u00ed levn\u011b \u010di se cht\u011bj\u00ed rad\u011bji pojistit nadstandardn\u011b. Vliv na cenu pojistn\u00e9ho m\u00e1 nap\u0159\u00edklad typ a st\u00e1\u0159\u00ed vozidla, p\u0159\u00edpadn\u011b tak\u00e9 objem \u010di v\u00fdkon motoru. D\u00e1le je pro poji\u0161\u0165ovny \u010dasto relevantn\u00ed v\u011bk \u0159idi\u010de, jeliko\u017e mlad\u00ed lid\u00e9 a senio\u0159i zp\u016fsobuj\u00ed statisticky v\u00edce nehod ne\u017e ostatn\u00ed. Dal\u0161\u00edmi faktory, kter\u00e9 ovliv\u0148uj\u00ed v\u00fd\u0161i pojistn\u00e9ho, pak b\u00fdv\u00e1 st\u00e1\u0159\u00ed automobilu \u010di po\u010det p\u0159edchoz\u00edch pojistn\u00fdch ud\u00e1lost\u00ed.<\/p>\n

M\u016f\u017ee mi poji\u0161\u0165ovna jednostrann\u011b zm\u011bnit v\u00fd\u0161i pojistn\u00e9ho?<\/h6>\n

Za p\u0159edpokladu, \u017ee si toto pr\u00e1vo poji\u0161\u0165ovna vyhradila v pojistn\u00e9 smlouv\u011b \u010di pojistn\u00fdch podm\u00ednk\u00e1ch, tak v\u00e1m m\u016f\u017ee jednostrann\u011b zv\u00fd\u0161it pojistn\u00e9. \u201eO zm\u011bn\u011b pojistn\u00e9ho v\u00e1s v\u0161ak poji\u0161\u0165ovna mus\u00ed informovat, a to nejpozd\u011bji dva m\u011bs\u00edce p\u0159ede dnem splatnosti pojistn\u00e9ho,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest, a dod\u00e1v\u00e1: \u201eV p\u0159\u00edpad\u011b, \u017ee se zv\u00fd\u0161en\u00edm pojistn\u00e9ho nesouhlas\u00edte, mus\u00edte to poji\u0161\u0165ovn\u011b ozn\u00e1mit do jednoho m\u011bs\u00edce od okam\u017eiku, kdy jste se o zv\u00fd\u0161en\u00ed dozv\u011bd\u011bli.\u201c<\/em> Povinn\u00e9 ru\u010den\u00ed pak v takov\u00e9m p\u0159\u00edpad\u011b zanikne uplynut\u00edm doby, na kterou bylo za pojistn\u00e9 zaplaceno a vy tak budete moct bez sankc\u00ed p\u0159\u00edpadn\u011b p\u0159ej\u00edt ke konkurenci.<\/p>\n

Co kdy\u017e zp\u016fsob\u00edm nehodu a nem\u00e1m sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed?<\/h6>\n

Ji\u017e v prvn\u00edm d\u00edle nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek a odpov\u011bd\u00ed jsme zmi\u0148ovali, \u017ee za v\u00fdjezd na pozemn\u00ed komunikaci bez povinn\u00e9ho ru\u010den\u00ed, m\u016f\u017eete dostat pokutu od Policie \u010cR.<\/p>\n

V p\u0159\u00edpad\u011b, \u017ee v\u0161ak zp\u016fsob\u00edte dopravn\u00ed nehodu, budete nuceni hradit tak\u00e9 \u00fajmu v pln\u00e9 v\u00fd\u0161i, co\u017e je jedna z v\u00fdznamn\u00fdch zm\u011bn u povinn\u00e9ho ru\u010den\u00ed z minul\u00e9ho roku. D\u0159\u00edve byla tato situace sp\u00ed\u0161e v\u00fdjime\u010dn\u00e1, nebo\u0165 zpravidla zde bylo omezen\u00ed na n\u00e1hradu \u010cesk\u00e9 kancel\u00e1\u0159i pojistitel\u016f do v\u00fd\u0161e jedn\u00e9 t\u0159etiny toho, co plnila po\u0161kozen\u00e9mu, nejv\u00fd\u0161e v\u0161ak 300 tis\u00edc korun.<\/p>\n

\u010cesk\u00e1 kancel\u00e1\u0159 pojistitel\u016f nejprve poskytne po\u0161kozen\u00e9mu pln\u011bn\u00ed z garan\u010dn\u00edho fondu za \u00fajmu, kter\u00e1 vznikla provozem va\u0161eho vozidla. Av\u0161ak n\u00e1sledn\u011b m\u00e1 \u010cesk\u00e9 kancel\u00e1\u0159 pojistitel\u016f pr\u00e1vo na n\u00e1hradu za pln\u011bn\u00ed, kter\u00e9 poskytla po\u0161kozen\u00e9mu z garan\u010dn\u00edho fondu, a tuto n\u00e1hradu bude vym\u00e1hat po v\u00e1s.<\/p>\n

Jak\u00e9 jsou nov\u00e9 minim\u00e1ln\u00ed limity pojistn\u00e9 ochrany?<\/h6>\n

Od minul\u00e9ho roku jsou tak\u00e9 z\u00e1konem stanoven\u00e9 nov\u00e9 minim\u00e1ln\u00ed limity pojistn\u00e9 ochrany. Limitem pojistn\u00e9ho pln\u011bn\u00ed se mysl\u00ed maxim\u00e1ln\u00ed suma, kter\u00e1 bude v p\u0159\u00edpad\u011b \u0161kodn\u00e9 ud\u00e1losti, nap\u0159\u00edklad nehody, vyplacena po\u0161kozen\u00e9mu z dan\u00e9ho povinn\u00e9ho ru\u010den\u00ed. Minim\u00e1ln\u00ed limit je nov\u011b stanoven na 50 milion\u016f korun p\u0159i \u00fajm\u011b na zdrav\u00ed na ka\u017ed\u00e9ho po\u0161kozen\u00e9ho a 50 milion\u016f korun p\u0159i majetkov\u00e9 \u0161kod\u011b bez ohledu na po\u010det po\u0161kozen\u00fdch. Poji\u0161\u0165ovny v\u0161ak v praxi nab\u00edz\u00ed n\u011bkolik variant t\u011bchto limit\u016f, nap\u0159\u00edklad limity 50, 70 \u010di 200 milion\u016f korun. \u201eV p\u0159\u00edpad\u011b nehody tak poji\u0161\u0165ovna zaplat\u00ed za vin\u00edka nehody po\u0161kozen\u00e9mu skute\u010dnou \u0161kodu, maxim\u00e1ln\u011b v\u0161ak do v\u00fd\u0161e stanoven\u00fdch limit\u016f,<\/em>\u201c uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1 z dTestu.<\/p>\n

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

\n

 <\/p>\n

Informovali jsme:<\/h6>\n

dTest: Povinn\u00e9 ru\u010den\u00ed: Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky a odpov\u011bdi<\/a><\/h4>\n
\n

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

V dne\u0161n\u00edm <\/p>\n","protected":false},"author":2,"featured_media":336624,"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\/02\/06\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/336623"}],"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=336623"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/336623\/revisions"}],"predecessor-version":[{"id":336625,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/336623\/revisions\/336625"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/336624"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=336623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=336623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=336623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}