[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.1cdc.sk\/spory-s-poistovnami-kedy-nechcu-poistovne-plnit\/#Article","mainEntityOfPage":"https:\/\/www.1cdc.sk\/spory-s-poistovnami-kedy-nechcu-poistovne-plnit\/","headline":"Spory s pois\u0165ov\u0148ami: Kedy nechc\u00fa pois\u0165ovne plni\u0165?","name":"Spory s pois\u0165ov\u0148ami: Kedy nechc\u00fa pois\u0165ovne plni\u0165?","description":"Pribli\u017ene polovica v\u0161etk\u00fdch pr\u00edpadov, kedy poisten\u00ed ob\u010dania neboli spokojn\u00ed s konan\u00edm pois\u0165ovne, sa t\u00fdkala zamietnutia n\u00e1roku na poistn\u00e9 plnenie, druh\u00e1 polovica potom kr\u00e1tenia poistn\u00e9ho plnenia. Pri poisten\u00ed vozidiel sa naj\u010dastej\u0161ie spor medzi klientom a pois\u0165ov\u0148ou viedol kv\u00f4li nes\u00fahlasu oh\u013eadom tot\u00e1lnej \u0161kody. Poistenie vozidiel Pri poisten\u00ed vozidiel bol \u010dastej\u0161\u00ed probl\u00e9m s plnen\u00edm u povinn\u00e9ho ru\u010denia, u havarijn\u00e9ho poistenia to tak \u010dast\u00e9 […]","datePublished":"2017-12-08","dateModified":"2017-12-08","author":{"@type":"Person","@id":"https:\/\/www.1cdc.sk\/author\/#Person","name":"","url":"https:\/\/www.1cdc.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"1cdc.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a284836_w2012_t1518088066.jpg","url":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a284836_w2012_t1518088066.jpg","height":0,"width":0},"url":"https:\/\/www.1cdc.sk\/spory-s-poistovnami-kedy-nechcu-poistovne-plnit\/","wordCount":554,"articleBody":"Pribli\u017ene polovica v\u0161etk\u00fdch pr\u00edpadov, kedy poisten\u00ed ob\u010dania neboli spokojn\u00ed s konan\u00edm pois\u0165ovne, sa t\u00fdkala zamietnutia n\u00e1roku na poistn\u00e9 plnenie, druh\u00e1 polovica potom kr\u00e1tenia poistn\u00e9ho plnenia. Pri poisten\u00ed vozidiel sa naj\u010dastej\u0161ie spor medzi klientom a pois\u0165ov\u0148ou viedol kv\u00f4li nes\u00fahlasu oh\u013eadom tot\u00e1lnej \u0161kody.Poistenie vozidiel Pri poisten\u00ed vozidiel bol \u010dastej\u0161\u00ed probl\u00e9m s plnen\u00edm u povinn\u00e9ho ru\u010denia, u havarijn\u00e9ho poistenia to tak \u010dast\u00e9 nebolo. V r\u00e1mci kr\u00e1tenia alebo zamietnutia poistn\u00e9ho plnenia s\u00fa tak paradoxne najviac postihovan\u00ed vodi\u010di, ktor\u00ed nehodu nesp\u00f4sobili.Tot\u00e1lne \u0161kody na vozidle – pois\u0165ov\u0148a nebude chcie\u0165 plati\u0165 Pri tot\u00e1lnej \u0161kode ide o to, \u017ee pois\u0165ov\u0148a us\u00fadi, \u017ee cena vozidla je u\u017e tak n\u00edzka, \u017ee by sa ho neoplatilo opravova\u0165. Pois\u0165ov\u0148a v\u00e1m potom preplat\u00ed cenu, ak\u00fa pod\u013ea jej s\u00fadu malo va\u0161e vozidlo pred nehodou. Ak sa v\u00e1m to nezd\u00e1, na tento postup nepristupujte.V takom pr\u00edpade je mo\u017en\u00e9 bu\u010f poda\u0165 n\u00e1mietky proti cene, ktor\u00fa malo vozidlo v \u010dase \u0161kodovej udalosti alebo po\u017eadova\u0165 uvedenie vozidla do p\u00f4vodn\u00e9ho stavu, resp. n\u00e1hradu n\u00e1kladov, ktor\u00e9 po\u0161koden\u00fd vynalo\u017eil na uvedenie do p\u00f4vodn\u00e9ho stavu. Nov\u00fd ob\u010diansky z\u00e1konn\u00edk uprednost\u0148uje uvedenie do p\u00f4vodn\u00e9ho stavu pred n\u00e1hradou \u0161kody v peniazoch, ku ktorej m\u00e1 d\u00f4js\u0165 bu\u010f na \u017eiados\u0165 po\u0161koden\u00e9ho, \u200b\u200balebo ak nie je uvedenie do p\u00f4vodn\u00e9ho stavu dobre mo\u017en\u00e9. Pois\u0165ovne v\u0161ak \u010dasto t\u00fdmto po\u017eiadavk\u00e1m nevyhovej\u00fa a mus\u00ed rozhodn\u00fa\u0165 s\u00fad, ktor\u00fd posudzuje ka\u017ed\u00fd pr\u00edpad individu\u00e1lne.Po\u0161kodenie \u010deln\u00e9ho skla – op\u00e4\u0165 sa bude pois\u0165ov\u0148a kr\u00fati\u0165\u00daplne be\u017en\u00e1 situ\u00e1cia. Pri jazde m\u00f4\u017ee od okolo id\u00faceho automobilu odletie\u0165 kamienok a po\u0161kodi\u0165 v\u00e1m \u010deln\u00e9 sklo. Dos\u0165 \u0165a\u017eko si v t\u00fa chv\u00ed\u013eu stihnete poznamena\u0165 jeho pozn\u00e1vaciu zna\u010dku. Pois\u0165ov\u0148a sa ale m\u00f4\u017ee vyhov\u00e1ra\u0165, \u017ee nem\u00e1te p\u00e1dny d\u00f4kaz, \u017ee k po\u0161kodeniu do\u0161lo t\u00fdmto sp\u00f4sobom.V t\u00fdchto pr\u00edpadoch je najv\u00e4\u010d\u0161\u00ed probl\u00e9m v preuk\u00e1zan\u00ed, \u017ee predmet, ktor\u00fd po\u0161kodil \u010deln\u00e9 sklo, skuto\u010dne odletel od vozidla \u0161kodcu. Bohu\u017eia\u013e ako d\u00f4kaz v\u00e4\u010d\u0161inou nesta\u010d\u00ed ani vyhl\u00e1senie vodi\u010da vozidla, od ktor\u00e9ho predmet odletel, ani spolujazdca a jedin\u00fdm spo\u013eahliv\u00fdm d\u00f4kazom b\u00fdva kamerov\u00fd z\u00e1znam.B\u00faranie na parkovisku Pois\u0165ov\u0148a m\u00f4\u017ee odmietnu\u0165 plnenie v pr\u00edpade, \u017ee auto je nab\u00faran\u00e9 pri st\u00e1t\u00ed na.Naj\u010dastej\u0161\u00edm probl\u00e9mom za t\u00fdchto okolnost\u00ed b\u00fdva, \u017ee \u0161kodca je nezn\u00e1my, a teda nie je po kom \u0161kodu vym\u00e1ha\u0165. Ak \u0161kodca od nehody ujde a nepodar\u00ed sa ho vyp\u00e1tra\u0165, mus\u00ed si po\u0161koden\u00fd \u0161kodu uhradi\u0165 s\u00e1m. Pr\u00edpadne ak m\u00e1 po\u0161koden\u00fd dojednan\u00e9 havarijn\u00e9 poistenie, m\u00f4\u017ee \u0161kodu uplatni\u0165 touto cestou.\u010eal\u0161ie druhy poistenia \u00darazov\u00e9 poistenie – naj\u010dastej\u0161ie ide o \u00faraz v pr\u00e1ci, od\u0161kodnenie za p\u00e1d a zranenie pri \u0161portovan\u00ed. \u010eal\u0161\u00edmi s\u00fa napr. poistenie nehnute\u013enosti a poistenie dom\u00e1cnosti. Naj\u010dastej\u0161ie ide o \u017eiveln\u00e9 pohromy a vytopeniu bytu.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spory s pois\u0165ov\u0148ami: Kedy nechc\u00fa pois\u0165ovne plni\u0165?","item":"https:\/\/www.1cdc.sk\/spory-s-poistovnami-kedy-nechcu-poistovne-plnit\/#breadcrumbitem"}]}]