{"id":1235,"date":"2025-05-10T22:55:54","date_gmt":"2025-05-10T20:55:54","guid":{"rendered":"https:\/\/casopisdnes.cz\/?p=1235"},"modified":"2025-05-10T22:55:55","modified_gmt":"2025-05-10T20:55:55","slug":"co-delat-kdyz-mate-nabourane-auto","status":"publish","type":"post","link":"https:\/\/casopisdnes.cz\/?p=1235","title":{"rendered":"Co d\u011blat, kdy\u017e m\u00e1te nabouran\u00e9 auto?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Na silnic\u00edch se pohybuje ka\u017ed\u00fd den obrovsk\u00e9 mno\u017estv\u00ed vozidel. A\u0165 u\u017e jedete do pr\u00e1ce, na n\u00e1kup nebo na v\u00fdlet, riziko nehody je v\u017edy p\u0159\u00edtomn\u00e9. I kdy\u017e jste zku\u0161en\u00fd a ohledupln\u00fd \u0159idi\u010d, nikdy nem\u00e1te stoprocentn\u00ed kontrolu nad d\u011bn\u00edm kolem v\u00e1s. A pr\u00e1v\u011b proto existuje povinn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 je z\u00e1kladn\u00edm pil\u00ed\u0159em finan\u010dn\u00ed ochrany v dopravn\u00edm provozu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co p\u0159esn\u011b toto poji\u0161t\u011bn\u00ed kryje?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Povinn\u00e9 poji\u0161t\u011bn\u00ed vozidla, ofici\u00e1ln\u011b zn\u00e1m\u00e9 jako poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla, je d\u00e1no z\u00e1konem. Mus\u00ed ho m\u00edt ka\u017ed\u00e9 vozidlo, kter\u00e9 se pohybuje po ve\u0159ejn\u00fdch komunikac\u00edch. Jeho hlavn\u00edm \u00fa\u010delem je zajistit, \u017ee v p\u0159\u00edpad\u011b, kdy zp\u016fsob\u00edte nehodu, budou \u0161kody na zdrav\u00ed i majetku t\u0159et\u00ed strany pokryty z pojistky \u2013 tedy ne z va\u0161\u00ed kapsy. To znamen\u00e1, \u017ee kdy\u017e p\u0159i nehod\u011b po\u0161kod\u00edte jin\u00fd automobil, zaplat\u00ed se oprava pr\u00e1v\u011b z tohoto poji\u0161t\u011bn\u00ed. Pokud by do\u0161lo ke zran\u011bn\u00ed osob nebo jin\u00fdm v\u00e1\u017en\u011bj\u0161\u00edm n\u00e1sledk\u016fm, i tyto n\u00e1klady jsou hrazeny z povinn\u00e9ho poji\u0161t\u011bn\u00ed. D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, \u017ee toto <a href=\"https:\/\/www.klik.cz\/povinne-ruceni\/\">poji\u0161t\u011bn\u00ed auta<\/a> nekryje \u0161kody na va\u0161em vlastn\u00edm voze. Pokud je va\u0161e auto nabouran\u00e9 a nehodu jste zavinili vy, n\u00e1hradu za \u0161kodu m\u016f\u017eete z\u00edskat pouze tehdy, pokud m\u00e1te sjednan\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co d\u011blat bezprost\u0159edn\u011b po nehod\u011b?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nehody se nest\u00e1vaj\u00ed jen jin\u00fdm. Pokud se ocitnete v situaci, kdy je va\u0161e vozidlo po\u0161kozen\u00e9, je d\u016fle\u017eit\u00e9 zachovat chladnou hlavu a postupovat spr\u00e1vn\u011b. I v m\u00edrn\u011b stresuj\u00edc\u00ed situaci je dobr\u00e9 dr\u017eet se n\u011bkolika z\u00e1sad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zastavte a zabezpe\u010dte m\u00edsto nehody \u2013 zapn\u011bte v\u00fdstra\u017en\u00e1 sv\u011btla, oble\u010dte si reflexn\u00ed vestu a postavte v\u00fdstra\u017en\u00fd troj\u00faheln\u00edk.<\/li>\n\n\n\n<li>Zkontrolujte zdravotn\u00ed stav \u00fa\u010dastn\u00edk\u016f nehody \u2013 pokud je n\u011bkdo zran\u011bn\u00fd, volejte ihned z\u00e1chrannou slu\u017ebu.<\/li>\n\n\n\n<li>P\u0159ivolejte policii, pokud je to nutn\u00e9 \u2013 v p\u0159\u00edpad\u011b zran\u011bn\u00ed, \u0161kody vy\u0161\u0161\u00ed ne\u017e cca 100 tis\u00edc K\u010d nebo spor\u016f o zavin\u011bn\u00ed.<\/li>\n\n\n\n<li>Zaznamenejte pr\u016fb\u011bh nehody \u2013 po\u0159i\u010fte fotografie, vypl\u0148te z\u00e1znam o dopravn\u00ed nehod\u011b a zaznamenejte \u00fadaje v\u0161ech \u00fa\u010dastn\u00edk\u016f.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e jste vin\u00edkem nebo po\u0161kozen\u00fdm, v\u017edy se v\u00e1m bude hodit kvalitn\u00ed poji\u0161t\u011bn\u00ed a spr\u00e1vn\u011b zdokumentovan\u00fd pr\u016fb\u011bh nehody.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdo zaplat\u00ed opravu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed na tom, kdo je vin\u00edkem. Pokud jste <a href=\"https:\/\/www.klik.cz\/havarijni-pojisteni\/\">nabouran\u00e9 auto<\/a> nezavinili vy, \u0161kodu na va\u0161em vozidle by m\u011bla uhradit poji\u0161\u0165ovna vin\u00edka z jeho povinn\u00e9ho poji\u0161t\u011bn\u00ed. Proto je kl\u00ed\u010dov\u00e9, aby byly v\u0161echny \u00fadaje spr\u00e1vn\u011b zaznamenan\u00e9 a \u0161koda \u0159\u00e1dn\u011b nahl\u00e1\u0161ena. Jestli\u017ee jste ale vin\u00edkem vy a m\u00e1te jen povinn\u00e9 poji\u0161t\u011bn\u00ed, n\u00e1klady na opravu vlastn\u00edho vozu ponesete sami, nebo va\u0161e havarijn\u00ed poji\u0161t\u011bn\u00ed, pokud jej m\u00e1te. Povinn\u00e9 poji\u0161t\u011bn\u00ed toti\u017e chr\u00e1n\u00ed pouze ostatn\u00ed \u00fa\u010dastn\u00edky nehody, nikoliv v\u00e1s samotn\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>M\u00edt nabouran\u00e9 auto je nejen technick\u00fd probl\u00e9m, ale \u010dasto i psychick\u00e1 z\u00e1t\u011b\u017e. Stres, vy\u0159izov\u00e1n\u00ed, opravy, to v\u0161e m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9. Pokud jste nehodu nezavinili, je d\u016fle\u017eit\u00e9 rychle jednat, nahl\u00e1sit \u0161kodu a komunikovat s poji\u0161\u0165ovnou. Pokud jste vin\u00edkem, op\u011bt plat\u00ed, \u017ee v\u010dasn\u00e9 \u0159e\u0161en\u00ed a spolupr\u00e1ce s poji\u0161\u0165ovnou urychl\u00ed cel\u00fd proces. Havarijn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt v takov\u00e9 chv\u00edli z\u00e1sadn\u00ed pomoc\u00ed, proto\u017ee kryje \u0161kody i na va\u0161em vozidle. Povinn\u00e9 poji\u0161t\u011bn\u00ed samo o sob\u011b nen\u00ed samosp\u00e1sn\u00e9, ale je nepostradateln\u00fdm z\u00e1kladem. A pr\u00e1v\u011b kombinace obou typ\u016f pojistky p\u0159edstavuje kompletn\u00ed ochranu v silni\u010dn\u00edm provozu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na silnic\u00edch se pohybuje ka\u017ed\u00fd den obrovsk\u00e9 mno\u017estv\u00ed vozidel. A\u0165 u\u017e jedete do pr\u00e1ce, na n\u00e1kup nebo na v\u00fdlet, riziko nehody je v\u017edy p\u0159\u00edtomn\u00e9. I kdy\u017e jste zku\u0161en\u00fd a ohledupln\u00fd \u0159idi\u010d, nikdy nem\u00e1te stoprocentn\u00ed kontrolu nad d\u011bn\u00edm kolem v\u00e1s. A pr\u00e1v\u011b proto existuje povinn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 je z\u00e1kladn\u00edm pil\u00ed\u0159em finan\u010dn\u00ed ochrany v dopravn\u00edm provozu. Co [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1236,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1235","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"_links":{"self":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1235"}],"version-history":[{"count":0,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1235\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=\/wp\/v2\/media\/1236"}],"wp:attachment":[{"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/casopisdnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}