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	<title>Ostatné &#8211; AIDER</title>
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		<title>AKÝ JE ROZDIEL MEDZI ALTERNATÍVNYMI DIELMI A ORIGINÁLNYMI DIELMI</title>
		<link>https://aider.sk/aky-je-rozdiel-medzi-alternativnymi-dielmi-a-originalnymi-dielmi/</link>
		
		<dc:creator><![CDATA[sam ryb]]></dc:creator>
		<pubDate>Tue, 23 Jan 2024 09:15:25 +0000</pubDate>
				<category><![CDATA[Ostatné]]></category>
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					<description><![CDATA[Audio úvod vegenerovaný pomocou AI V každom odvetví sa nachádzajú lacnejšie a drahšie súčiastky a automobilový priemysel nie je žiadnou výnimkou. Aký je ale rozdiel? Je to iba v tom, že na originálnom náhradnom diely máte vyrazené logo automobilky a priplatíte si niekoľko desiatok percent za takýto „obrandovaný“ diel alebo skutočne sú tieto diely odlišné? [&#8230;]]]></description>
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									<p style="text-align: center;">Audio úvod vegenerovaný pomocou AI</p>								</div>
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									<p>V každom odvetví sa nachádzajú lacnejšie a drahšie súčiastky a automobilový priemysel nie je žiadnou výnimkou.</p><p>Aký je ale rozdiel?</p><p>Je to iba v tom, že na originálnom náhradnom diely máte vyrazené logo automobilky a priplatíte si niekoľko desiatok percent za takýto „obrandovaný“ diel alebo skutočne sú tieto diely odlišné?</p><p>Tak ako aj pri čelných sklách je zásadný rozdiel v originálnom a alternatívnom skle, tak aj pri karosárskych častiach sa nájdu z nášho pohľadu tak vysoké rozdiely, že <strong>alternatívny diel neodporúčame.</strong></p><p>V tomto článku sa pozrieme, prečo pri oprave v prípade dopravnej nehody skutočne chcete, aby boli na opravu vášho auta použité originálne náhradné diely a nie alternatívne diely tzv. repliky. Aj keď medzi mechanikmi je známe, že alternatívne diely sú kvalitatívne na podstatne nižšej úrovni, aj napriek tomu zmluvné servisy poisťovní ich používajú pomaly každodenne.</p><p>Častokrát sú totiž <strong>zmluvné servisy zaviazané zmluvami s poisťovňami, že budú používať výhradne lacnejšie alternatívne náhradné diely</strong>. Aká je (ne)výhoda využiť zmluvný servis poisťovne po dopravnej nehode podrobne rozoberáme v článku: <a href="https://aider.sk/ake-su-nevyhody-zmluvnych-servisov/" target="_blank" rel="noopener">Aké sú (ne)výhody zmluvných servisov poisťovní</a>.</p>								</div>
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					<h2 class="elementor-heading-title elementor-size-default">Čo hovoria znalci z odboru cestnej dopravy?</h2>				</div>
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									<p>„<em>Uvedenie poškodeného vozidla do predošlého stavu (do stavu pred poistnou udalosťou), je možné iba za použitia originálnych náhradných dielov, nie za použitia alternatívnych dielov.</em>“</p><ul><li>Marcel Janco, znalec<ul><li>(<em>zdroj: znalecká činnosť</em>)</li></ul></li></ul><p>„<em>Výroba replík sa realizuje v jednoduchých až priam v primitívnych technologických podmienkach, bez know-how aj bez vedomia originálneho výrobcu na veľmi nízkej kvalitatívnej úrovni. Nekarosárske repliky – súčiastky do náprav, riadenia bŕzd či motorov, vyrobené z podradných materiálov môžu dokonca spôsobiť haváriu vozidla a ohroziť bezpečnosť cestnej premávky</em>“</p><p>„<em>Výmenou poškodených dielov, ktoré boli pôvodne originálne a nahradili by sa síce novými, ale už neoriginálnymi dielmi tzv. replikmi, by nepostačoval na uvedenie poškodeného vozidla do kvalitatívne rovnocenného technického stavu predchádzajúceho vzniku škodovej udalosti</em>“</p><ul><li>Juraj Luco, znalec<ul><li>(<em>zdroj: znalecká činnosť + <a href="https://aider.sk/wp-content/uploads/2024/01/Rozsudok_OS_PB_4C_284_2015.pdf" target="_blank" rel="noopener">výpoveď znalca na súde v Považskej Bystrici sp. zn. 4c/284/2015</a> viď. bod č. 18)</em></li></ul></li></ul>								</div>
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					<h2 class="elementor-heading-title elementor-size-default">Stačia tri kliknutia a dozviete sa čo Vám v Poisťovni nepovedia.</h2>				</div>
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									<p>Automobilka Volkswagen si nechala dokonca v nemeckom <strong>skúšobnom ústave</strong> pre automobilovo-technické služby (Prüfinstitut Kraftfahrzeugtechnische Dienstleistungen GmbH) s podporou skúšobní <strong>Dekra Automobil GmbH</strong>, <strong>DEKRA Certification GmbH</strong> a spoločnosti <strong>Continental AG</strong>, vypracovať nezávislé testy, ktoré potvrdili, že alternatívne diely nemajú také vlastnosti, ako originálne diely.</p><p>Dokonca, ak je vozidlo po havárii opravené alternatívnymi dielmi a dôjde k ďalšej následnej havárii, následky takejto havárie sú väčšie a devastujúcejšie pre posádku, pretože <strong>alternatívne diely majú nižšiu pevnosť</strong>.</p><p>Napr. podľa štúdie v porovnaní nosníka (<em>nosníky absorbujú značnú časť nárazovej energie</em>), je rozdiel medzi originálnym a neoriginálnym dielom značne citeľný. Kým originálny diel má pevnosť 1400 megapascalov, neoriginálny diel má iba 300 megapascalov, čo je <strong>pokles v pevnosti dielu o 70% a to už môže mať smrteľné následky</strong> pre posádku vozidla. To je rozdiel, či po nehode odíde pasažier „po svojich“ alebo príde po neho sanitka, prípadne čierna limuzína.</p><p>Okrem toho, že nárazník, svetlá, výstuhy a ďalšie diely majú nižšiu pevnosť, logicky sa viac dielov musí poškodiť, aby sa náraz zastavil. Uvedená štúdia hovorí až o<strong> 3,5 násobne vyšších nákladoch na opravu</strong> po vzniku havárie, ktorá vznikne po namontovaní alternatívnych náhradných dieloch (následná havária).</p><p> </p><p>Ďalšími nevýhodami alternatívnych dielov je ich <strong>vyššia hmotnosť (a paradoxne nižšia pevnosť)</strong>, čo negatívne vplýva na spotrebu vozidla a vozidlo tak produkovanie viac CO2.</p><p>Karosárske diely zase častokrát <strong>nemajú pozinkovaný povrch, takže začnú korodovať</strong>, taktiež im <strong>chýba základný náter</strong> (primer) a preto lak drží oveľa horšie, čo má negatívny vplyv na vzhľad vozidla a tým aj na udržanie hodnoty vozidla a tieto diely sú <strong>vylisované nepresne</strong> a preto nesedia na vozidlo a vždy bude na prvý pohľad vidno, že vozidlo bolo havarované.</p>								</div>
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		<title>2 hlavné dôvody prečo riešiť svoju poistnú udalosť cez AIDER a nie cez advokátsku kanceláriu</title>
		<link>https://aider.sk/2-hlavne-dovody-preco-by-ste-mali-riesit-svoju-poistnu-udalost-cez-aider-a-nie-cez-advokatsku-kancelariu/</link>
		
		<dc:creator><![CDATA[sam ryb]]></dc:creator>
		<pubDate>Mon, 11 Dec 2023 10:57:43 +0000</pubDate>
				<category><![CDATA[Ostatné]]></category>
		<guid isPermaLink="false">https://aider.sk/?p=2473</guid>

					<description><![CDATA[Audio úvod vegenerovaný pomocou AI Chceli by sme na úvod vyjadriť náš hlboký rešpekt voči práci advokátov a advokátskych kancelárií. Je dôležité zdôrazniť, že cieľom tohto článku nie je znevážiť ich skúsenosti ani znalosti.  Cieľom je priblížiť vám – poškodeným osobám, aké rozdiely a výhody, prináša riešenie poistných udalostí prostredníctvom našej spoločnosti oproti advokátskym kanceláriám. Nezanedbateľné [&#8230;]]]></description>
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									<p style="text-align: center;">Audio úvod vegenerovaný pomocou AI</p>								</div>
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									<p><span style="font-weight: 400;">Chceli by sme na úvod vyjadriť náš hlboký rešpekt voči práci advokátov a advokátskych kancelárií. Je dôležité zdôrazniť, že cieľom tohto článku nie je znevážiť ich skúsenosti ani znalosti. </span></p><p><b>Cieľom je priblížiť vám – poškodeným osobám, aké rozdiely a výhody, prináša riešenie poistných udalostí prostredníctvom našej spoločnosti oproti advokátskym kanceláriám.</b></p>								</div>
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Nezanedbateľné rozdiely v cene
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									<p><span style="font-weight: 400;">Rozumieme, že mnoho poškodených osôb sa neodváži riešiť svoje nespokojnosti s rozhodnutiami poisťovní, obávajúc sa vysokých nákladov, ktoré by ich to mohlo stáť.</span></p><p> </p><p><span style="font-weight: 400;">V </span><b>advokátskych</b><span style="font-weight: 400;"> kanceláriách (AK) bežne </span><b>zaplatíte za každý právny úkon </b><span style="font-weight: 400;">podľa stanovenej tarify. To môže nakoniec znamenať, že suma, ktorú sa snažíte získať od poisťovne, sa vyrovná sume zaplatenej na poplatkoch za právne zastúpenie. Okrem toho, v prípade neúspechu v súdnom konaní znášate náklady, ktoré protistrana (poisťovňa)  zaplatila „svojej“ advokátskej kancelárii, čo môže predstavovať skutočne </span><b>nem</b><span style="font-weight: 400;">alé peniaze.</span></p>								</div>
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							Vzorový (orientačný) výpočet pre neuhradenú sumu 1 000 EUR, pri ktorom advokát vykoná 7 úkonov							
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                                <div> <span>Trovy právneho zastúpenia (váš advokát) =  88,72 EUR/1 úkon x 7 úkonov = 621,04 EUR</span><span>Súdny poplatok = 60,00 EUR</span><span>Trovy právneho zastúpenia (advokát protistrany) = rovnaké ako vaše trovy = 621,04 EUR</span><span>Spolu: 1 302,08 EUR</span><p> </p><p><i><span>Pozn.: Väčšinou úkonov je viac ako 7, ak niektorá zo strán nie je spokojná s rozhodnutím súdu, môže sa odvolať, čo predstavuje ďalšie úkony. Pri zložitých prípadoch treba predvolávať svedkov a znalcov, čo finančná záťaž ďalších 500 EUR až 700 EUR.</span></i></p></div>
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									<p><span style="font-weight: 400;">V</span><b> AIDERi </b><span style="font-weight: 400;">až 90% našich služieb funguje na základe toho, že ak sa nám nepodarí dosiahnuť kompenzáciu od poisťovne, naša odmena je nulová.</span></p><p><span style="font-weight: 400;">Vy teda nič </span><b>za naše služby neplatíte, </b><span style="font-weight: 400;">naša odmena je časť  z výslednej sumy, ktorú pre vás vymôžeme, prípadne vysúdime.</span></p><p><span style="font-weight: 400;">Snažíme sa zabezpečiť, aby každý z vás mal možnosť bojovať proti poisťovniam bez obáv o finančné náklady, ktoré by mohlo so sebou priniesť súdne konanie.</span></p><p> </p><p><span style="font-weight: 400;">V prípade neúspechu v súdnom konaní nie ste zaťažený úhradou trov trovy právneho zastúpenia, ktoré vzniknú na vašej strane a ani trov právneho zastúpenia, ktoré vzniknú u protistrany. </span></p><p> </p><p><span style="font-weight: 400;">Na základe dlhoročných skúseností vieme, o čo sa oplatí bojovať a o čo zase nezabojovať</span></p>								</div>
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Rozdiely v odbornosti
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									<p><span style="font-weight: 400;">Advokátske kancelárie väčšinou pokrývajú rôzne právne oblasti, vrátane rodinných sporov, trestných sporov, obchodných sporov, správneho práva a ďalších.</span><b> </b>Avšak<b> iba málo advokátov sa špecializuje</b><span style="font-weight: 400;"> výhradne na zastupovanie občanov v s</span><b>poroch s poisťovňami,</b><span style="font-weight: 400;"> najmä v prípadoch, keď ide o poškodené osoby pri dopravných nehodách.</span></p><p> </p><p><span style="font-weight: 400;">Na druhej strane,</span><b> poisťovne</b><span style="font-weight: 400;"> disponujú celými </span><b>oddeleniami interných právnikov</b><span style="font-weight: 400;">, ktorí dennodenne usilovne pracujú na chránení finančných záujmov svojho zamestnávateľa, čiže poisťovne.</span></p><p> </p><p><b>AIDER </b><span style="font-weight: 400;">sa už roky </span><b>špecializuje </b><span style="font-weight: 400;">výlučne na poskytovanie </span><b>pomoci </b><span style="font-weight: 400;">osobám </span><b>poškodených pri dopravných nehodách</b><span style="font-weight: 400;">. Naším hlavným cieľom je riešiť spory s poisťovňami mimosúdne, ale v mnohých prípadoch sa nevyhneme ani súdnym konfliktom. V týchto súdnych konfliktoch sme veľmi </span><b>silným konkurentom </b><span style="font-weight: 400;">usilovne pracujúcim zamestnancom poisťovní na právnom oddelení, čo nás robí úspešnými.</span></p>								</div>
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					<h2 class="elementor-heading-title elementor-size-default">Stačia tri kliknutia a dozviete sa čo Vám v Poisťovni nepovedia.</h2>				</div>
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									<p>Pri riešení sporov s poisťovňami sa často využí<b>va odborné posúdenie znalcom</b> z oblasti cestnej dopravy, vrátane vysoko technických vedomostí.</p><p>Je<span style="font-weight: 400;">dným zo základných pilierov úspechu je preto, aby každý, kto zastupuje poškodené osoby pri dopravných nehodách, disponoval nie len právnymi vedomosťami, ale aj technickými znalosťami.</span></p><p><span style="font-weight: 400;">Pre </span><b>advokátov môže byť náročné študovať znalecké posudky </b><span style="font-weight: 400;">a súvislosti v týchto znaleckých posudkoch, a tým môžu mať obmedzené možnosti argumentácie v súdnom konaní. To </span><b>môže ovplyvniť celý proces </b><span style="font-weight: 400;">súdneho konania a mať tak <strong>n</strong></span><strong>egatívny dopad</strong> <span style="font-weight: 400;">na jeho výsledok.</span></p><p><span style="font-weight: 400;">Avšak je dôležité poznamenať, že získanie takýchto znalostí vyžaduje roky skúseností a špecializácie v danej oblasti a skúsenosti zo stoviek súdnych sporov.</span></p><p><span style="font-weight: 400;">V </span><b>AIDERi</b><span style="font-weight: 400;"> sme </span><b>špecialistami</b><span style="font-weight: 400;"> v sporoch aj po </span><b>technickej stránke</b><span style="font-weight: 400;"> aj po právnej stránke a to práve vďaka úzkej špecializácii výhradne na zastupovanie poškodených osôb poškodených pri poistných udalostiach. „Cez ruky“ nám prešlo viac ako 300 znaleckých posudkov. Dôkazom o špecializácii na danú problematiku sú</span><b> dlhoročné skúsenosti a dôkladné štúdium znaleckých posudkov , výsluchov znalcov počas súdnych pojednávaní a v neposlednom rade aj množstvá vyhratých súdnych sporov proti poisťovniam.</b></p>								</div>
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						<div class="elementor-element elementor-element-7c765a99 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="7c765a99" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
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									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p><span style="font-weight: 400;">Ak ste sa ocitli v situácii, kedy vás poisťovňa znevýhodnila svojím rozhodnutím a stále váhate, či sa oplatí podniknúť nejaké kroky k dosiahnutiu doplatku poistného plnenia, neváhajte nás kontaktovať. </span><b>Zanechajte nám svoje kontaktné údaje alebo nás priamo kontaktujte a podrobnejšie nám opíšte svoju situáciu. Sme tu, aby sme vám poskytli pomoc a poradili vám, ako ďalej postupovať.</b></p></div></div></div></div></div></div></div></div></div>								</div>
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			</item>
		<item>
		<title>TECHNICKÁ PRIJATEĽNOSŤ NEHODOVÉHO DEJA</title>
		<link>https://aider.sk/technicka-prijatelnost-nehodoveho-deja/</link>
		
		<dc:creator><![CDATA[sam ryb]]></dc:creator>
		<pubDate>Mon, 13 Nov 2023 18:40:57 +0000</pubDate>
				<category><![CDATA[Ostatné]]></category>
		<guid isPermaLink="false">https://aider.sk/?p=1716</guid>

					<description><![CDATA[Čo znamená technická prijateľnosť nehodového deja a čo sa stane v prípade, že poisťovňa zamietne poistné plnenie z dôvodu technickej neprijateľnosti?Čítajte ďalej a my vám poradíme, ako postupovať a ako vám vieme pomôcť my. Zamietla vám poisťovňa poistné plnenie? Ak likvidáciu poistnej udalosti poisťovňa ukončí s odôvodnením, že poistná udalosť „je z technického hľadiska neprijateľná“ [&#8230;]]]></description>
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    data-attributes="{&quot;uniqueId&quot;:&quot;player1721&quot;,&quot;clientId&quot;:&quot;&quot;,&quot;align&quot;:&quot;&quot;,&quot;alignment&quot;:&quot;center&quot;,&quot;source&quot;:&quot;https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-13T18_44_07_Adam_pre_s50_sb75_se0_b_m2.mp3&quot;,&quot;poster&quot;:&quot;&quot;,&quot;title&quot;:&quot;Audio Title&quot;,&quot;artist&quot;:&quot;Author Name&quot;,&quot;color&quot;:&quot;#fff&quot;,&quot;textColor&quot;:&quot;#fff&quot;,&quot;primaryColor&quot;:&quot;#195FF5&quot;,&quot;hoverColor&quot;:&quot;#00B3FF&quot;,&quot;skin&quot;:&quot;Default&quot;,&quot;repeat&quot;:false,&quot;autoplay&quot;:false,&quot;isSticky&quot;:false,&quot;muted&quot;:false,&quot;loader&quot;:false,&quot;saveState&quot;:false,&quot;disablePause&quot;:false,&quot;seekTime&quot;:10,&quot;startTime&quot;:0,&quot;download&quot;:true,&quot;width&quot;:&quot;100%&quot;,&quot;radius&quot;:&quot;10px&quot;,&quot;controls&quot;:{&quot;play&quot;:true,&quot;progress&quot;:true,&quot;duration&quot;:true,&quot;mute&quot;:true,&quot;volume&quot;:true,&quot;settings&quot;:true},&quot;CSS&quot;:&quot;&quot;,&quot;i18n&quot;:{&quot;restart&quot;:&quot;Restart&quot;,&quot;rewind&quot;:&quot;Rewind {seektime}s&quot;,&quot;play&quot;:&quot;Play&quot;,&quot;pause&quot;:&quot;Pause&quot;,&quot;fastForward:&quot;:&quot;Forward {seektime}s&quot;,&quot;seek&quot;:&quot;Seek&quot;,&quot;seekLabel&quot;:&quot;{currentTime} of {duration}&quot;,&quot;played&quot;:&quot;Played&quot;,&quot;buffered&quot;:&quot;Buffered&quot;,&quot;currentTime:&quot;:&quot;Current time&quot;,&quot;duration&quot;:&quot;Duration&quot;,&quot;volume&quot;:&quot;Volume&quot;,&quot;mute&quot;:&quot;Mute&quot;,&quot;unmute&quot;:&quot;Unmute&quot;,&quot;enableCaptions&quot;:&quot;Enable captions&quot;,&quot;disableCaptions&quot;:&quot;Disable captions&quot;,&quot;download&quot;:&quot;Download&quot;,&quot;enterFullscreen&quot;:&quot;Enter fullscreen&quot;,&quot;exitFullscreen&quot;:&quot;Exit fullscreen&quot;,&quot;frameTitle&quot;:&quot;Player for {title}&quot;,&quot;captions&quot;:&quot;Captions&quot;,&quot;settings&quot;:&quot;Settings&quot;,&quot;pip&quot;:&quot;PIP&quot;,&quot;menuBack&quot;:&quot;Go back to previous menu&quot;,&quot;speed&quot;:&quot;Speed&quot;,&quot;normal&quot;:&quot;Normal&quot;,&quot;quality&quot;:&quot;Quality&quot;,&quot;loop&quot;:&quot;Loop&quot;,&quot;start&quot;:&quot;Start&quot;,&quot;end&quot;:&quot;End&quot;,&quot;all&quot;:&quot;All&quot;,&quot;reset&quot;:&quot;Reset&quot;,&quot;disabled&quot;:&quot;Disabled&quot;,&quot;enabled&quot;:&quot;Enabled&quot;,&quot;advertisement&quot;:&quot;Ad&quot;,&quot;qualityBadge&quot;:{&quot;2160&quot;:&quot;4K&quot;,&quot;1440&quot;:&quot;HD&quot;,&quot;1080&quot;:&quot;HD&quot;,&quot;720&quot;:&quot;HD&quot;,&quot;576&quot;:&quot;SD&quot;,&quot;480&quot;:&quot;SD&quot;}},&quot;controlColor&quot;:&quot;#4a5464&quot;,&quot;preload&quot;:&quot;metadata&quot;,&quot;speed&quot;:{&quot;selected&quot;:1,&quot;speed&quot;:[&quot;0.5&quot;,&quot; 0.75&quot;,&quot; 1&quot;,&quot; 1.25&quot;,&quot; 1.5&quot;,&quot; 1.75&quot;,&quot; 2&quot;,&quot; 4&quot;,&quot; 8&quot;]},&quot;multiple_audio&quot;:false,&quot;defaultValue&quot;:{&quot;Default&quot;:{&quot;primaryColor&quot;:&quot;#4A5464&quot;,&quot;controlColor&quot;:&quot;#4A5464&quot;,&quot;bgColor&quot;:&quot;#F5F5F5&quot;},&quot;Fusion&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;controlColor&quot;:&quot;#fff&quot;},&quot;Stamp&quot;:{&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;},&quot;Wave&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Card-1&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;controlColor&quot;:&quot;#161616&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Card-2&quot;:{&quot;primaryColor&quot;:&quot;#00FBF3&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Simple-1&quot;:{&quot;primaryColor&quot;:&quot;#00dcff&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#00dcff&quot;},&quot;Simple-2&quot;:{&quot;primaryColor&quot;:&quot;#06F7FF00&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;},&quot;Player9&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#EDEFF2&quot;},&quot;Player10&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#EDEFF2&quot;},&quot;Player11&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;}},&quot;TrpContentRestriction&quot;:{&quot;restriction_type&quot;:&quot;exclude&quot;,&quot;selected_languages&quot;:[],&quot;panel_open&quot;:true}}"
    class="wp-block-h5ap-tailwind wp-block-h5ap-audioplayer">
    </div></div>
						</div>
				</div>
				<div class="elementor-element elementor-element-6c043269 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="6c043269" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<p>Čo znamená t<strong>echnická prijateľnosť nehodového deja a čo sa stane v prípade, že poisťovňa zamietne poistné plnenie z dôvodu technickej neprijateľnosti?</strong><br />Čítajte ďalej a my vám poradíme, ako postupovať a ako vám<strong> vieme pomôcť my.</strong></p>								</div>
				</div>
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		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-193a26db elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="193a26db" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-90158cb exad-glass-effect-no exad-sticky-section-no" data-id="90158cb" data-element_type="column" data-e-type="column">
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						<div class="elementor-element elementor-element-69c501fa exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="69c501fa" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Zamietla vám poisťovňa poistné plnenie?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-22d8908a exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="22d8908a" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<p>Ak likvidáciu poistnej udalosti poisťovňa ukončí s odôvodnením, že poistná udalosť<b> „je z technického hľadiska neprijateľná“ </b>a vraj sa nestala tak, ako uvádzate, môžete nabrať pocit, že vás poisťovňa pokladá za podvodníka.</p><p>Vaše rozhorčenie je samozrejme na mieste. Poisťovne zvyknú používať vo svojom stanovisku aj formuláciu<b> „poškodenie vozidla nezodpovedá deklarovanému priebehu nehodového deja“.</b></p><p>Poistná udalosť je z technického hľadiska neprijateľná vtedy, keď sa nestala tak, ako uvádza škodca a poškodený. Podmienky technickej prijateľnosti nehodového deja sú:</p><ul><li>kompatibilita (geometrická a energetická)</li><li>plauzibilita</li></ul><p>Nižšie si vysvetlíme, čo oba pojmy predstavujú.</p><p>Na obrázkoch nižšie môžete vidieť príklady zamietnutia poistných plnení. Ak sa aktuálne nachádzate v rovnakej situácii, máme pre vás <b>dobrú správu</b>. Poisťovne zvyknú technickú (ne)prijateľnosť prehodnotiť na základe dobrých dôkazov a argumentov, tak ako aj v tomto prípade (obrázok č. 3):</p>								</div>
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		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-77e3dae1 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="77e3dae1" data-element_type="section" data-e-type="section">
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				<div class="elementor-widget-container">
															<img decoding="async" width="1024" height="633" src="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-1024x633.png" class="attachment-large size-large wp-image-1718" alt="" srcset="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-1024x633.png 1024w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-300x185.png 300w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-768x474.png 768w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-1536x949.png 1536w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-2048x1265.png 2048w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-18x12.png 18w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-1320x816.png 1320w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.37-600x371.png 600w" sizes="(max-width: 1024px) 100vw, 1024px" />															</div>
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				<div class="elementor-element elementor-element-8a3ad7d exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image" data-id="8a3ad7d" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
				<div class="elementor-widget-container">
															<img decoding="async" width="1024" height="331" src="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-1024x331.png" class="attachment-large size-large wp-image-1720" alt="" srcset="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-1024x331.png 1024w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-300x97.png 300w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-768x248.png 768w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-1536x496.png 1536w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-2048x661.png 2048w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-18x6.png 18w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-1320x426.png 1320w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.54-600x194.png 600w" sizes="(max-width: 1024px) 100vw, 1024px" />															</div>
				</div>
				<div class="elementor-element elementor-element-1a5f7d8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image" data-id="1a5f7d8" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
				<div class="elementor-widget-container">
															<img loading="lazy" decoding="async" width="1024" height="272" src="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-1024x272.png" class="attachment-large size-large wp-image-1719" alt="" srcset="https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-1024x272.png 1024w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-300x80.png 300w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-768x204.png 768w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-1536x408.png 1536w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-2048x544.png 2048w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-18x5.png 18w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-1320x351.png 1320w, https://aider.sk/wp-content/uploads/2023/11/Snimka-obrazovky-2023-11-13-o-19.30.46-600x159.png 600w" sizes="(max-width: 1024px) 100vw, 1024px" />															</div>
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				<section class="elementor-section elementor-top-section elementor-element elementor-element-56954ea3 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="56954ea3" data-element_type="section" data-e-type="section">
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						<div class="elementor-element elementor-element-7dd06408 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="7dd06408" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Čo tým chce poisťovňa povedať?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-6f0dd318 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="6f0dd318" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<p><strong>Najskôr pár slov k jednotlivým pojmom.</strong></p><ul><li><strong>Energetická kompatibilita</strong> nehodového deja predstavuje poškodenie na vozidlách (napr. napríklad deformáciu karosérií oboch vozidiel), ktoré nie je možné dosiahnuť pri rýchlosti, ktorú udáva vinník a poškodený.</li><li><strong>Geometrická kompatibilita</strong> nehodového deja zase znamená, že výška, v akej vznikli poškodenia na vozidlách, spolu nesúvisia. Keď sa napríklad osobné vozidlo zrazí s vysokým nákladným autom, vznikne poškodenie na osobnom aute v inej výške (časti karosérii), ako keby sa zrazili dve osobné autá.</li></ul><p>To, že poisťovňa vám zamietla nárok na poistné plnenie s odvolávaním sa na neprijateľnosť nehodového deja neznamená, že ste chceli poisťovňu oklamať.</p><p> </p><p><br />Posudzovaním technickej prijateľnosti nehodového deja sa zaoberá oddelenie likvidácie poistných udalostí, prípadne iné (forenzné) oddelenie poisťovne. Takéto skúmanie je vyhodnocované častokrát iba na základe subjektívnych pocitov pracovníkov, ktorí však neberú do úvahy, že napríklad vozidlo v čase vzniku poistnej udalosti mohlo byť zaťažené (počet osôb vo vozidle, preprava nákladu vo vozidle) a teda z uvedeného dôvodu nesedia výšky poškodení na vozidlách.</p>								</div>
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				<section class="elementor-section elementor-top-section elementor-element elementor-element-ed0032c elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="ed0032c" data-element_type="section" data-e-type="section">
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						<div class="elementor-element elementor-element-63e3bda4 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="63e3bda4" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Zvažujete súdny spor s poisťovňou?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-473f9b8c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="473f9b8c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p>Podľa našich interných štatistík je dĺžka trvania súdneho sporu o nevyplatené poistné plnenia za rozbité čelné sklo <strong>až</strong> <strong>616 dní (skoro 2 roky)</strong>. Výdavky vynaložené na súdny spor zo strany poškodeného sú v priemere<strong> 260,05 EUR</strong> (súdny poplatok a trovy právneho zastúpenia). Ani pri uplatnení svojho nároku na súde žiaľ nemáte istotu, že súdny spor sa vám podarí vyhrať.</p><p>V prípade prehry súdneho sporu, budete musieť okrem vyššie uvedených nákladov zaplatiť aj trovy právneho zastúpenia protistrany (poisťovne), ktoré sú v rovnakej výške.</p></div></div></div></div></div></div></div></div></div>								</div>
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		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-4f5ee8e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="4f5ee8e2" data-element_type="section" data-e-type="section">
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						<div class="elementor-element elementor-element-3e432cf0 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="3e432cf0" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
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					<h2 class="elementor-heading-title elementor-size-default">Čo robiť v prípade zamietnutia poistného plnenia?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-bdc571 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="bdc571" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p>V prvom rade vám odporúčame si <a href="https://aider.sk/zabezpecenie-dokazov-pri-parcialnej-skode/" target="_blank" rel="noopener"><strong>zabezpečiť dôkazy</strong></a>, ktoré sú základom pre ďalšie konanie, ktorým sa preukáže, že k poistnej udalosti došlo tak, ako opisujete.</p><p>Zdokumentujte si miesto nehody, kľudne aj dodatočne s odstupom niekoľkých týždňov. Nezabúdajte, že ako poškodená osoba ste povinný preukázať svoj nárok, preto zabezpečovaniu dôkazov venujte dostatočnú pozornosť.</p><p>Ak sa nehoda stala v minulosti, vycestujte na miesto, kde k nej došlo. Vypracujte si <a href="https://aider.sk/wp-content/uploads/2024/01/VSH.pdf">fotodokumentáciu</a>  všetkých poškodení na vašom vozidle a na vozidle, ktoré škodu spôsobilo.</p><p>Ideálne odfotiť detailné fotky jednotlivých poškodení z blízka a taktiež z diaľky. Spravte si aj fotodokumentáciu predmetov, ktoré boli v mieste nehody poškodené, napríklad dopravné značky, kríky, zvodidlá, alebo stromy. Môžete zachytiť aj stopy brzdnej dráhy v trávnatých porastoch, ryhy v asfalte, alebo stopy pneumatík na asfalte.<br />Tu však odporúčame, aby takúto fotodokumentáciu vykonala odborne spôsobilá osoba, ktorá má skúsenosti s tým, čo všetko pre ďalšie konanie proti poisťovni treba zdokumentovať.</p></div></div></div></div></div></div></div></div></div>								</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-6c926b79 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="6c926b79" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab27476 exad-glass-effect-no exad-sticky-section-no" data-id="ab27476" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-59176f6b exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode" data-id="59176f6b" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default">
				<div class="elementor-widget-container">
							<div class="elementor-shortcode">		<div data-elementor-type="wp-post" data-elementor-id="1334" class="elementor elementor-1334">
						<section class="elementor-section elementor-top-section elementor-element elementor-element-ab000fe elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="ab000fe" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0ffe96 exad-glass-effect-no exad-sticky-section-no" data-id="f0ffe96" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-6a41fe5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="6a41fe5" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Stačia tri kliknutia a dozviete sa čo Vám v Poisťovni nepovedia.</h2>				</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-9cb7735 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="9cb7735" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9394e06 exad-glass-effect-no exad-sticky-section-no" data-id="9394e06" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-99fc3b2 elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-html" data-id="99fc3b2" data-element_type="widget" data-e-type="widget" data-widget_type="html.default">
				<div class="elementor-widget-container">
					<!DOCTYPE html>
<html lang="sk">
<head>
    <meta charset="UTF-8">
    <script src="https://cdn.tailwindcss.com"></script>
    <title>Sprievodca Škodou</title>
    <style>
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            box-shadow: 0 0 0 0.0px red;
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            margin: 0 auto;
            max-width: 900px; /* Wider form */
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        .question-container {
            background-color: #b8c9e2; /* Lighter grey background for the question */
            border: 1px solid #cbd5e0; /* Light grey border */
            padding: 10px 20px; /* Reduced padding for the question */
            margin-bottom: 20px;
            border-radius: 8px; /* Rounded corners */
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        .question {
            font-size: 2rem; /* Bigger text for questions */
            opacity: 0; /* Initially hidden */
            transition: opacity 0.5s ease; /* Fade in transition */
            color: #374151; /* Same color as options */
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            color: #374151; /* Same color as options */
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            margin: 0 auto;
            width: calc(100% - 2cm); /* 1cm space on left and right */
            margin-bottom: 20px;
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        .footer {
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            position: relative; /* Position it at the bottom */
            border-top: 1px solid #5e5e5e; /* Grey border top */
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            padding-top: 10px; /* Padding for footer */
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            height: 60px; /* Consistent height for footer */
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            align-items: center; /* Center the back button vertically */
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        .option-button-embed {
            opacity: 0; /* Initially hidden */
            transition: opacity 0.5s ease !important; /* Fade in transition */
            display: block; /* Ensure the button is a block element */
            width: 100%; /* Full width */
            text-align: left; /* Align text to the left */
            margin-bottom: 10px; /* Space between buttons */
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        .option-button-embed.fade-in {
            opacity: 1; /* Visible with fade in effect */
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</head>
<body data-rsssl=1 class="bg-gray-100">
    <div id="form-container" class="">
        <div class="question-container">
            <div class="question mb-4 mx-4 my-2" id="question"></div>
        </div>
        

        <div id="options" class="mx-10"></div>
        <div id="loader" class="loader hidden"></div> 
        <div class="result" id="result">
        </div>
        <div class="footer">
            <button onclick="goBack()" id="backButton" class="py-2 px-4 rounded-lg text-lg font-medium">Back</button>
        </div>
    </div>

    <script>
        const questions = {
            "start": ["Havária vozidla", "Poškodené čelné sklo", "Konzultácia poistnej udalosti"],
            "Havária vozidla": {
                question: "Nahlásili ste už poistnú udalosť o poisťovni?",
                options: ["Už som nahlásil", "Ešte som nenahlásil", "Konzultácia poistnej udalosti"]
            },
            "Už som nahlásil": {
                question: "Akou formou vám vyplatili poistné plnenie?",
                options: ["Formou rozpočtu", "Formou totálnej škody", "Ešte nevyplatili", "Konzultácia poistnej udalosti"]
            },
            
            
            "Poškodené čelné sklo": {
                question: "Poškodené čelné sklo",
                options: ["Už mám opravené čelné sklo", "Ešte nemám opravené čelné sklo"]
            },
           
        };

        const results = {
            "Formou rozpočtu": "/result-1-1-2",
            
            "Formou totálnej škody": "/result-1-1-1",
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            "Už mám opravené čelné sklo": "/result-2-1",
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            "Ešte som nenahlásil":"/1-2"
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            optionsElement.innerHTML = '';
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            if (step === "start") {
                questionElement.innerText = "SPRIEVODCA ŠKODOU";
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                    button.onclick = () => nextStep(option);
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                    setTimeout(() => button.classList.add("fade-in"), 0);
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                    "font-medium", "text-white","bg-transparent", "hover:bg-sky-700","hover:text-white", 
                    "transition", "duration-200", "ease-in-out" ,"hover:ease-in-out", "mr-4", "mb-4", "option-button-embed");
                    button.onclick = () => nextStep(option);
                    optionsElement.appendChild(button);
                    // Trigger fade-in effect
                    setTimeout(() => button.classList.add("fade-in"), 0);
                });
            }

            // Fade in effect for questions
            questionElement.classList.add("fade-in");

            // Show the back button only if there's history
            backButton.style.display = history.length ? 'block' : 'none';
        }
        function redirectToResult(resultUrl) {
            const host = window.location.host;
            const protocol = window.location.protocol;
            const fullUrl = `${protocol}//${host}${resultUrl}`;
        
            // Show text message for redirection
            const optionsContainer = document.getElementById("options");
            optionsContainer.innerHTML = `<p class="text-lg text-center text-white">Prebieha presmerovanie...</p>
            <div class="text-center">
    <div role="status">
        <svg aria-hidden="true" class="inline w-8 h-8 text-gray-200 animate-spin dark:text-gray-600 fill-blue-400" viewBox="0 0 100 101" fill="none" xmlns="http://www.w3.org/2000/svg">
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</div>
            
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            renderStep(currentStep);
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        function nextStep(option) {
            history.push(currentStep);
            currentStep = option;
            renderStep(currentStep);
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        function goBack() {
            if (history.length) {
                currentStep = history.pop();
                renderStep(currentStep);
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        }

        renderStep(currentStep);
    </script>
</body>
</html>
				</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				</div>
		</div>
						</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-44512bb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="44512bb2" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-203ae21d exad-glass-effect-no exad-sticky-section-no" data-id="203ae21d" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-13f277cc exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="13f277cc" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Pomôžu vám fotky, ktoré urobila poisťovňa?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-73f8b8d4 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="73f8b8d4" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p>Fotodokumentáciu, ktorú si vypracovala poisťovňa vám môže pomôcť, no k týmto fotkám sa nie je ľahké dostať. Fotografie sú majetkom poisťovne a vo väčšine prípadov vám ich na základe žiadosti nepošle. Nespoliehajte sa tak na to, že ich má poisťovňa a radšej si ich zabezpečte sami.</p></div></div></div></div></div></div></div></div></div>								</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-9ef8b8c elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="9ef8b8c" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93aef08 exad-glass-effect-no exad-sticky-section-no" data-id="93aef08" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-13003a3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="13003a3" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Na policajnú správu sa taktiež nespoliehajte
</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-4b0d5f9 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="4b0d5f9" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p>Ak ste privolali políciu k miestu nehody, neznamená to automaticky, že príčiny jej vzniku polícia aj prešetrila. Pokiaľ polícia usúdi, že sa nejedná o dopravnú nehodu, iba o škodovú udalosť, polícia nehodu ďalej <strong>nevyšetruje</strong>.<br />Takáto situácia môže nastať keď škoda na vozidlách nie je vyššia ako 3 990 EUR.<br />Nakoľko bol zákon 8/2009 Z. z. (zákon o cestnej premávke) novelizovaný, už nie je dopravnou nehodou ani udalosť, kde vznikne škoda vyššia ako spomínaných 3990 EUR. <br />To znamená, že polícia častokrát nemá žiadne fotky, nakoľko to ani nešetrili.<br />Môže sa teda stať, že vy vo vedomí, že máte políciou jednoznačne potvrdeného vinníka, uplatníte si nároky proti poisťovni, ktorá však takéto „potvrdenie“ akceptovať nebude.</p></div></div></div></div></div></div></div></div></div>								</div>
				</div>
					</div>
		</div>
					</div>
		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-02e4120 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="02e4120" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe32cd6 exad-glass-effect-no exad-sticky-section-no" data-id="fe32cd6" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-6f2ac12 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="6f2ac12" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Ako preukázať poisťovni, že dej nehody je technicky prijateľný?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-c8ca1cb exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="c8ca1cb" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p><span style="font-weight: 400;">Z našej dlhoročnej skúsenosti vám vieme povedať, že to bude veľmi náročné, ak sa rozhodnete tejto situácií čeliť na vlastnú päsť. Poisťovne bez nepriestrelných tvrdení svoje pôvodné stanovisko nezmenia. Môže vám však pomôcť </span><b>znalecký posudok</b><span style="font-weight: 400;">, ktorý si viete dať vypracovať, na základe ktorého poisťovne vo väčšine prípadov svoje stanovisko zmenia a uhradia vám poistné plnenie.</span></p><p><span style="font-weight: 400;">Tu by sme však radi upozornili, že nie je znalec ako znalec. Poisťovne majú vlastných externých znalcov a tak vám odporúčame si vopred zvážiť, ktorého si vyberiete. Ak natrafíte práve na znalca, ktorý pre poisťovňu vykonáva svoju znaleckú činnosť, jeho znalecký posudok nemusí byť pre vás prínosný.</span></p><p><span style="font-weight: 400;">Zamerajte sa radšej na </span><b>kvalitu</b><span style="font-weight: 400;">, nie na cenu. Iba precízne a detailne vypracovaný znalecký posudok znamená, že vám poisťovňa uhradí poistné plnenie bez súdneho sporu, ktorého náklady sa môžu vyšplhať aj na niekoľko tisíc eur. </span></p></div></div></div></div></div></div></div></div></div>								</div>
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		</section>
				<section class="elementor-section elementor-top-section elementor-element elementor-element-7512e80 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="7512e80" data-element_type="section" data-e-type="section">
						<div class="elementor-container elementor-column-gap-default">
					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c361761 exad-glass-effect-no exad-sticky-section-no" data-id="c361761" data-element_type="column" data-e-type="column">
			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-ac4dd83 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading" data-id="ac4dd83" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
				<div class="elementor-widget-container">
					<h2 class="elementor-heading-title elementor-size-default">Ako vám vieme pomôcť?</h2>				</div>
				</div>
				<div class="elementor-element elementor-element-5545827 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor" data-id="5545827" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
				<div class="elementor-widget-container">
									<div class="uk-width-1-1 uk-margin"><div class="de-row uk-container" data-dahz-id=""><div class="uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack" data-uk-grid=""><div class="de-column uk-position-relative uk-width-1-1@m uk-first-column" data-dahz-id=""><div class="uk-flex uk-c-flex-stretch uk-width-1-1"><div class="uk-width-1-1 uk-padding-remove"><div class="uk-flex-1"><div class="uk-margin"><div class="de-textblock-wrapper"><p><span style="font-weight: 400;">Máme tím znalcov v odbore cestnej dopravy a zároveň sa roky úspešne špecializujeme na túto problematiku.</span></p><p><span style="font-weight: 400;">Zabezpečíme vám odborne vyhotovenú fotodokumentáciu vozidla a spolu s vami zabezpečíme všetky potrebné dôkazy na preukázanie vašich tvrdení. Ak to bude nutné jeden z našich znalcov vypracuje znalecký posudok, ktorý potvrdí priebeh nehody, ktorý ste nahlásili poisťovni. </span></p><p><span style="font-weight: 400;">Na základe týchto dôkazov vieme vybojovať pre vás v poisťovni doplatenie poistného plnenia.</span></p><p><span style="font-weight: 400;">Zamietla vám poisťovňa plnenie z dôvodu, že je technicky neprijateľné, aby poistná udalosť vznikla tak ako opisujete? Objednajte si konzultáciu svojej poistnej udalosti s odborníkmi v danej oblasti a krok po kroku vás prevedieme až k výplate poistného plnenia zo strany poisťovne.</span></p></div></div></div></div></div></div></div></div></div>								</div>
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				<section class="elementor-section elementor-top-section elementor-element elementor-element-58a48c0b elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no" data-id="58a48c0b" data-element_type="section" data-e-type="section">
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			<div class="elementor-widget-wrap elementor-element-populated">
						<div class="elementor-element elementor-element-163c8ab8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode" data-id="163c8ab8" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default">
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			<a>
				
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					Objednať konzultáciu				</span>

							</a>

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						<div class="elementor-element elementor-element-1b61a2e elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-image-hover-effect" data-id="1b61a2e" data-element_type="widget" data-e-type="widget" data-widget_type="exad-image-hover-effect.default">
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					        <div class="exad-ihe-wrapper">
                        <div class="exad-ihe-grid">
                <figure class="exad-ihe-figure effect-lily">
					<img loading="lazy" decoding="async" width="1024" height="715" src="https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg" class="attachment-large size-large wp-image-357" alt="Juraj Repčok , konateľ" srcset="https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg 1024w, https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-300x210.jpeg 300w, https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-768x537.jpeg 768w, https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1320x922.jpeg 1320w, https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1-600x419.jpeg 600w, https://aider.sk/wp-content/uploads/2023/09/Juraj_repcok_aider_slovensko_sro-1536x1073-1.jpeg 1536w" sizes="(max-width: 1024px) 100vw, 1024px" />                    <figcaption class="exad-ihe-figcaption">
                        <h2 class="exad-ihe-title">
                                                    </h2>
                        <p class="exad-ihe-description">Konzultujte Vašu poistnú udalosť s nami</p>
                    </figcaption>
                </figure>
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