{"id":1294,"date":"2023-10-16T11:44:30","date_gmt":"2023-10-16T10:44:30","guid":{"rendered":"https:\/\/aider.sk\/?p=1294"},"modified":"2024-02-04T12:25:05","modified_gmt":"2024-02-04T11:25:05","slug":"co-je-totalna-skoda","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/co-je-totalna-skoda\/","title":{"rendered":"\u010cO JE TOT\u00c1LNA \u0160KODA?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1294\" class=\"elementor elementor-1294\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e731a6d elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"e731a6d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99d53df exad-glass-effect-no exad-sticky-section-no\" data-id=\"99d53df\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4219eaf exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"4219eaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div\n    id=\"h5ap-player-1\"\n    data-id=\"h5ap-player-1\"\n    data-attributes=\"{&quot;uniqueId&quot;:&quot;player2465&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\\\/12\\\/ElevenLabs_2023-12-09T13_02_25_Bella_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}}\"\n    class=\"wp-block-h5ap-tailwind wp-block-h5ap-audioplayer\">\n    <\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2771f9 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"c2771f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Audio \u00favod vegenerovan\u00fd pomocou AI<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31152a72 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"31152a72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2e9430f5 exad-glass-effect-no exad-sticky-section-no\" data-id=\"2e9430f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fce6012 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"7fce6012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Mali ste nehodu a pois\u0165ov\u0148a v\u00e1m uznala \u0161kodu na vozidle ako tot\u00e1lnu \u0161kodu? \u010co to pre v\u00e1s znamen\u00e1?<\/strong>\u00a0\u00a0V tomto \u010dl\u00e1nku sa do\u010d\u00edtate \u010do tot\u00e1lna \u0161koda je, ako spr\u00e1vne vypo\u010d\u00edta\u0165 v\u00fd\u0161ku poistn\u00e9ho plnenia, \u010do robi\u0165 ak chcete da\u0165 vozidlo opravi\u0165\u00a0 \u010di ak v\u00e1m pois\u0165ov\u0148a stanovila n\u00edzku v\u0161eobecn\u00fa hodnotu, ako viete z\u00edska\u0165 za svoj vrak vozidla viac pe\u0148az\u00ed, ak\u00e9 s\u00fa va\u0161e n\u00e1roky, \u010di ako v\u00e1m vieme pom\u00f4c\u0165 ak v\u00e1m pois\u0165ov\u0148a odmietla\/kr\u00e1tila uhradenie poistn\u00e9ho plnenia.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56208d3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"56208d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tot\u00e1lna \u0161koda<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baba33e elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"baba33e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vysvetl\u00edme si najprv pojem tot\u00e1lna \u0161koda. Pri likvid\u00e1cii poistnej udalosti na vozidle v\u00e1m \u0161koda na aute m\u00f4\u017ee by\u0165 uznan\u00e1 bu\u010f ako\u00a0tot\u00e1lna, alebo\u00a0\u010diastkov\u00e1 (parci\u00e1lna). Ak \u0161koda na aute bola pois\u0165ov\u0148ou uznan\u00e1 ako tot\u00e1lna \u0161koda, znamen\u00e1 to, \u017ee oprava by bola drah\u0161ia, ako hodnota samotn\u00e9ho vozidla pred poistnou udalos\u0165ou.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcbb234 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"dcbb234\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00edklad <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-245ebd9 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"245ebd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Na 15 rokov starej \u0160kode Octavii v hodnote 1500\u20ac je prelia\u010den\u00e1 kapota a odtrhnut\u00fd n\u00e1razn\u00edk. N\u00e1klady na opravu tejto \u0161kody s\u00fa v hodnote 2300\u20ac. Napriek tomu, \u017ee vozidlo je pojazdn\u00e9 a funk\u010dn\u00e9, pois\u0165ov\u0148a ho vyhodnot\u00ed na tot\u00e1lnu \u0161kodu, preto\u017ee ide o<strong> neekonomick\u00fa opravu.<\/strong><\/p><p>Pri v\u00fd\u0161ke tot\u00e1lnej \u0161kody, teda pois\u0165ov\u0148a najsk\u00f4r vypo\u010d\u00edta hodnotu vozidla v \u010dase vzniku poistnej udalosti, takzvan\u00fa<a href=\"https:\/\/aider.sk\/en\/vypocet-vseobecnej-hodnoty-vozidla-pri-totalnej-skode\/\"> v\u0161eobecn\u00fa hodnotu vozidla<\/a> . N\u00e1sledne od tejto sumy pois\u0165ov\u0148a odpo\u010d\u00edta hodnotu vraku vozidla, \u010di\u017ee hodnotu <a href=\"https:\/\/aider.sk\/en\/ako-poistovne-urcuju-hodnotu-zvyskov-vozidla-pri-totalnej-skode\/\">pou\u017eite\u013en\u00fdch zvy\u0161kov vozidla.<\/a><\/p><p>\u00a0<\/p><p>V pr\u00edpade, ak si uplat\u0148ujete poistn\u00e9 plnenie z havarijn\u00e9ho poistenia, bude v\u00e1m odpo\u010d\u00edtan\u00e1 aj hodnota spolu\u00fa\u010dasti.<\/p><p>V niektor\u00fdch pr\u00edpadoch v\u00e1m pois\u0165ov\u0148a uhrad\u00ed aj n\u00e1klady na obstaranie nov\u00e9ho vozidla, teda n\u00e1klady spojen\u00e9 s k\u00fapou nov\u00e9ho, respekt\u00edve ojazden\u00e9ho vozidla.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87f34f1 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"87f34f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u010co je to v\u0161eobecn\u00e1 hodnota vozidla?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2713420 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"2713420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><br \/>Pri tot\u00e1lnej \u0161kode sa v\u00e1m m\u00e1 dosta\u0165 plnenie v takej v\u00fd\u0161ke, \u017ee si za vyplaten\u00e9 poistn\u00e9 plnenie a predaj vraku vozidla dok\u00e1\u017eete zak\u00fapi\u0165 <strong>rovnak\u00e9 vozidlo v nepo\u0161kodenom stave<\/strong>, teda vozidlo rovnakej zna\u010dky, motoriz\u00e1cie, objemu motora, s pribli\u017ene rovnak\u00fdm stavom najazden\u00fdch kilometrov a v\u00fdbavou. Pois\u0165ovne pred t\u00fdm odpo\u010d\u00edtaj\u00fa zostatkov\u00fa hodnotu vraku vozidla, ktor\u00fd je mo\u017en\u00e9 spe\u0148a\u017ei\u0165, tak\u017ee rovnak\u00e9 vozidlo si budete m\u00f4c\u0165 zak\u00fapi\u0165 a\u017e po odpredan\u00ed t\u00fdchto pou\u017eite\u013en\u00fdch zvy\u0161kov.<\/p><p>V pr\u00edpade ak nes\u00fahlas\u00edte s v\u00fd\u0161kou v\u0161eobecnej hodnoty ktor\u00fa stanovila pois\u0165ov\u0148a, kontaktujte n\u00e1s a my zist\u00edme jej skuto\u010dn\u00fa hodnotu, a doplatok vym\u00f4\u017eeme od pois\u0165ovne na na\u0161e n\u00e1klady.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48a78af exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"48a78af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u010co s\u00fa to pou\u017eite\u013en\u00e9 zvy\u0161ky?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-631c9c9 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"631c9c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ide o zvy\u0161ky vozidla (vrak), ktor\u00e9 maj\u00fa e\u0161te ur\u010dit\u00fa zostatkov\u00fa hodnotu. Tie ost\u00e1vaj\u00fa vo vlastn\u00edctve po\u0161koden\u00e9ho, no je potrebn\u00e9 si uvedomi\u0165, \u017ee klient po\u0161koden\u00fd poistnou udalos\u0165ou, nem\u00e1 \u010dasto mo\u017enos\u0165 vyu\u017ei\u0165 tak\u00e9to zvy\u0161ky.\u00a0<\/p><p>Pois\u0165ovne ur\u010duj\u00fa hodnotu vraku vozidla dvomi met\u00f3dami:<\/p><ul><li>odhadom likvid\u00e1tora<\/li><li>dra\u017ebou vozidla<\/li><\/ul><p><span style=\"color: #808080;\">Naj\u010dastej\u0161ie v\u0161ak\u00a0vyu\u017e\u00edvaj\u00fa\u00a0 pri tot\u00e1lnych \u0161kod\u00e1ch online dra\u017ebu, t\u00e1 pozost\u00e1va z\u00a0tzv.\u00a0priekupn\u00edkov a t\u00ed v dra\u017ebe pon\u00fakaj\u00fa sumy za vrak vozidla, pri\u010dom najvy\u0161\u0161ia vyhr\u00e1va. N\u00e1sledne pois\u0165ov\u0148a odpo\u010d\u00edta t\u00fato sumu, ako pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla, pri\u010dom ide o cenu, ktor\u00e1 zodpoved\u00e1 vraku vozidla.<\/span><\/p><p><span style=\"color: #808080;\">Na\u0161i klienti v\u0161ak uprednost\u0148uj\u00fa vydra\u017eenie prostredn\u00edctvom na\u0161ej <a href=\"https:\/\/aider.sk\/en\/drazba-vozidiel\/\">AIDER dra\u017eby,<\/a> kde vedia z\u00edska\u0165 za vrak vozidla a\u017e do 40% viac ako pri dra\u017ebe pois\u0165ovne.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cdbfc4a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"cdbfc4a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-23c06dc exad-glass-effect-no exad-sticky-section-no\" data-id=\"23c06dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4c594f exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"e4c594f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1.jpeg\" class=\"attachment-large size-large wp-image-1296\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1.jpeg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-300x300.jpeg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-150x150.jpeg 150w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-12x12.jpeg 12w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-600x600-1-100x100.jpeg 100w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-03a29a5 exad-glass-effect-no exad-sticky-section-no\" data-id=\"03a29a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7933ec0 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"7933ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1.jpeg\" class=\"attachment-large size-large wp-image-1297\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1.jpeg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-300x300.jpeg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-150x150.jpeg 150w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-12x12.jpeg 12w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/10\/nahrada-2-600x600-1-100x100.jpeg 100w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-460ca97 elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"460ca97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0S\u00a0predajom havarovan\u00e9ho vozidla (a to aj za predpokladu, \u017ee vyu\u017eijete sprostredkovan\u00fd kontakt od pois\u0165ovne) je spojen\u00fdch mnoho riz\u00edk, na ktor\u00e9 m\u00f4\u017eete \u010dasom doplati\u0165 a preto odpor\u00fa\u010dame<strong> by\u0165 mimoriadne opatrn\u00fd.<\/strong><\/p><p>N\u00e1strahy a\u00a0postup, ako zn\u00ed\u017ei\u0165 riziko probl\u00e9mov pri predaji havarovan\u00e9ho vozidla sme podrobne rozoberali v\u00a0\u010dl\u00e1nku<a href=\"https:\/\/aider.sk\/en\/nastrahy-pri-predaji-havarovaneho-vozidla-cez-poistovnu\/\"> n\u00e1strahy pri predaji havarovan\u00e9ho vozidla cez pois\u0165ov\u0148u.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-286a7759 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"286a7759\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-702069df exad-glass-effect-no exad-sticky-section-no\" data-id=\"702069df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-248c1c15 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"248c1c15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NES\u00daHLAS\u00cdTE S TOT\u00c1LNOU \u0160KODOU A CHCETE VOZIDLO OPRAVI\u0164?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-687c195e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"687c195e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Kontaktujte n\u00e1s, a\u00a0my v\u00e1m povieme, \u010di je mo\u017en\u00e9 vozidlo opravi\u0165 a\u00a0\u017eiada\u0165 pois\u0165ov\u0148u o\u00a0prehodnotenie tot\u00e1lnej \u0161kody.<\/span><\/p><p><span style=\"font-weight: 400;\">Ak to je mo\u017en\u00e9, vozidlo v\u00e1m zadarmo oprav\u00edme v <a href=\"https:\/\/aider.sk\/en\/ake-su-nevyhody-zmluvnych-servisov\/\">niektorom z na\u0161ich servisov<\/a><\/span><span style=\"font-weight: 400;\">, poskytneme v\u00e1m <a href=\"https:\/\/aider.sk\/en\/nahradne-vozidlo-clanok\/\">n\u00e1hradn\u00e9 vozidlo<\/a><\/span><span style=\"font-weight: 400;\">, a\u00a0situ\u00e1ciu dorie\u0161ime v\u00a0pois\u0165ovni za v\u00e1s<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-221f52f elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"221f52f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d63b9a9 exad-glass-effect-no exad-sticky-section-no\" data-id=\"d63b9a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa0586b exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"aa0586b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Va\u0161e n\u00e1roky<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a05b22 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6a05b22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ako po\u0161koden\u00e1 osoba, m\u00e1te pri tot\u00e1lnej \u0161kode n\u00e1rok si prenaja\u0165\u00a0<a href=\"https:\/\/aider.sk\/en\/prenajom-nahradneho-vozidla-pri-totalnej-skode\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>n\u00e1hradn\u00e9 vozidlo<\/strong><\/a>, ktor\u00e9 v\u00e1m je pois\u0165ov\u0148a povinn\u00e1 preplati\u0165. D\u013a\u017eka pren\u00e1jmu a typ zapo\u017ei\u010dan\u00e9ho vozidla by pois\u0165ov\u0148a mala akceptova\u0165. Z\u00e1le\u017e\u00ed to v\u0161ak od toho, \u010di je \u0161koda rie\u0161en\u00e1 z PZP vinn\u00edka alebo z v\u00e1\u0161ho havarijn\u00e9ho poistenia.<\/p><p>Pois\u0165ov\u0148a je v\u00e1m povinn\u00e1 preplati\u0165 aj \u010fal\u0161ie n\u00e1roky. Do tejto kateg\u00f3rie patria n\u00e1roky na dia\u013eni\u010dn\u00fa zn\u00e1mku, ktor\u00fa u\u017e nebudete m\u00f4c\u0165 vyu\u017e\u00edva\u0165, nespotrebovan\u00e1 \u010das\u0165 havarijn\u00e9ho poistenia, PZP, pr\u00edpadne aj celoro\u010dn\u00e9 predplatn\u00e9 za parkovacie miesto, ktor\u00e9 je naviazan\u00e9 na po\u0161koden\u00e9 vozidlo. Taktie\u017e je pois\u0165ov\u0148a povinn\u00e1 preplati\u0165 n\u00e1klady za uskladnenie vraku vozidla v servise, ak od v\u00e1s bude servis \u017eiada\u0165 \u00fahradu za parkovn\u00e9.<\/p><p>\u00a0<\/p><p><strong>Ak v\u00e1m pois\u0165ov\u0148a vyplatila v\u0161etko, na \u010do m\u00e1te zo z\u00e1kona n\u00e1rok, v\u00fdsledn\u00e1 v\u00fd\u0161ka poistn\u00e9ho plnenia by mala vyzera\u0165 zhruba takto:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db3eefa elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"db3eefa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27781e8 exad-glass-effect-no exad-sticky-section-no\" data-id=\"27781e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-372f74f elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"372f74f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-31a36d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"31a36d3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-34a369a exad-glass-effect-no exad-sticky-section-no\" data-id=\"34a369a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96e8185 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"96e8185\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>V\u0161eobecn\u00e1 hodnota vozidla<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4bdd4be exad-glass-effect-no exad-sticky-section-no\" data-id=\"4bdd4be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-282d5f5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"282d5f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">10 000 EUR<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6711ea elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"e6711ea\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d90197a exad-glass-effect-no exad-sticky-section-no\" data-id=\"d90197a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7581b89 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"7581b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d85a52e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"d85a52e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee04da8 exad-glass-effect-no exad-sticky-section-no\" data-id=\"ee04da8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abe45b3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"abe45b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pou\u017eite\u013en\u00e9 zvy\u0161ky vozidla (vrak)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b9d2dff exad-glass-effect-no exad-sticky-section-no\" data-id=\"b9d2dff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd1d9f5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"bd1d9f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">\u2013 2 150 EUR<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-52b86fa elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"52b86fa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89c764b exad-glass-effect-no exad-sticky-section-no\" data-id=\"89c764b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8ba444 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"f8ba444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fa611f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"fa611f1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-73b05ce exad-glass-effect-no exad-sticky-section-no\" data-id=\"73b05ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12498d3 elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"12498d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e1klady na obstaranie nov\u00e9ho vozidla<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ff05573 exad-glass-effect-no exad-sticky-section-no\" data-id=\"ff05573\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af361e8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"af361e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">365 EUR<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a147d48 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"a147d48\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8929b30 exad-glass-effect-no exad-sticky-section-no\" data-id=\"8929b30\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d8c1e2 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"3d8c1e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-48fb2bf elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"48fb2bf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b400858 exad-glass-effect-no exad-sticky-section-no\" data-id=\"b400858\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc87dc4 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"dc87dc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e1hradn\u00e9 vozidlo<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eefa3d0 exad-glass-effect-no exad-sticky-section-no\" data-id=\"eefa3d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-860c316 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"860c316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">960 EUR<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43ae6a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"43ae6a8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd26369 exad-glass-effect-no exad-sticky-section-no\" data-id=\"fd26369\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a0f5dc elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"5a0f5dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-33b4bf2 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"33b4bf2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-09a854c exad-glass-effect-no exad-sticky-section-no\" data-id=\"09a854c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2692403 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"2692403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>Poistn\u00e9 plnenie<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f0fe42 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3f0fe42\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f37f33d exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"f37f33d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>\u00a09 825 EUR<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d48c995 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"d48c995\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ec8b533 exad-glass-effect-no exad-sticky-section-no\" data-id=\"ec8b533\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d0bd08 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"7d0bd08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tot\u00e1lna \u0161koda nemus\u00ed by\u0165 tot\u00e1lna smola!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3481b65 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"3481b65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\"><span style=\"font-family: Roboto;\">Pokia\u013e pois\u0165ov\u0148a rozhodla, \u017ee vo va\u0161om pr\u00edpade je vozidlo tot\u00e1lne po\u0161koden\u00e9,<b> nev\u00e1hajte n\u00e1s \u010do najsk\u00f4r kontaktova\u0165<\/b>, dohliadneme na to, aby sa <b>nestalo<\/b>, \u017ee v\u00fd\u0161ka tot\u00e1lnej \u0161kody nebude vypo\u010d\u00edtan\u00e1 spr\u00e1vne a v\u00e1m tak <b>pois\u0165ov\u0148a uhrad\u00ed <\/b>menej ako by mala.<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-family: Roboto;\">V pr\u00edpade ak sa tak u\u017e stalo, tak nemus\u00edte z\u00fafa\u0165, odborn\u00fdm znaleck\u00fdm <b>posudkom dok\u00e1\u017eeme, ak\u00e1 je skuto\u010dn\u00e1&nbsp; v\u0161eobecn\u00e1 hodnota<\/b> v\u00e1\u0161ho vozidla a <b>zabezpe\u010d\u00edme aby ju pois\u0165ov\u0148a sp\u00e4tne uhradila.<\/b><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-family: Roboto;\">Ak m\u00e1te pocit, \u017ee va\u0161e<b> vozidlo<\/b> nie je po\u0161koden\u00e9 nato\u013eko aby i\u0161lo o tot\u00e1lnu \u0161kodu, ale je mo\u017en\u00e9 ho <b>opravi\u0165,<\/b> situ\u00e1ciu prever\u00edme a n\u00e1sledne vozidlo <b>oprav\u00edme<\/b> a zabezpe\u010d\u00edme&nbsp; v pois\u0165ovni <b>prehodnotenie tot\u00e1lnej \u0161kody.<\/b><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-family: Roboto;\">Ka\u017ed\u00e1 situ\u00e1cia je rie\u0161ite\u013en\u00e1 a preto tot\u00e1lna \u0161koda, nie je v\u017edy aj tot\u00e1lnou smolou.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1526d14e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"1526d14e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ab99277 exad-glass-effect-no exad-sticky-section-no\" data-id=\"7ab99277\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a9c0727 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"4a9c0727\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1124\" class=\"elementor elementor-1124\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3df6b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"c3df6b4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a757381 exad-glass-effect-no exad-sticky-section-no\" data-id=\"a757381\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30f7376 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"30f7376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Konzultuje Va\u0161u poistn\u00fa udalos\u0165 <br>s nami<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7ddc1 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"0c7ddc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3701fe9 elementor-widget__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"3701fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Neobmedzen\u00e9 d\u013a\u017eky hovorov<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Neobmedzen\u00fd po\u010det volan\u00ed oh\u013eadom 1 poistnej udalosti<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inform\u00e1cie, ktor\u00e9 na internete nen\u00e1jdete<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Sk\u00fasenosti od roku 2015<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Garancia vr\u00e1tenia pe\u0148az\u00ed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94bb2bd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-exclusive-button\" data-id=\"94bb2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"exad-exclusive-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t<div class=\"exad-button-wrapper effect-2 exad-button-incon-before-text exad-button-fixed-height-no\">\r\n\r\n\t\t\t\r\n\t\t\t<a>\r\n\t\t\t\t\r\n\t\t\t\t<span>\r\n\t\t\t\t\tObjedna\u0165 konzult\u00e1ciu\t\t\t\t<\/span>\r\n\r\n\t\t\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3043a29 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3043a29\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<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\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"exad-ihe-wrapper\">\r\n                        <div class=\"exad-ihe-grid\">\r\n                <figure class=\"exad-ihe-figure effect-lily\">\r\n\t\t\t\t\t<img 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 Rep\u010dok , konate\u013e\" 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\">\r\n                        <h2 class=\"exad-ihe-title\">\r\n                                                    <\/h2>\r\n                        <p class=\"exad-ihe-description\">Konzultujte Va\u0161u poistn\u00fa udalos\u0165 s nami<\/p>\r\n                    <\/figcaption>\r\n                <\/figure>\r\n            <\/div>\r\n                                <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vegenerovan\u00fd pomocou AI Mali ste nehodu a pois\u0165ov\u0148a v\u00e1m uznala \u0161kodu na vozidle ako tot\u00e1lnu \u0161kodu? \u010co to pre v\u00e1s znamen\u00e1?\u00a0\u00a0V tomto \u010dl\u00e1nku sa do\u010d\u00edtate \u010do tot\u00e1lna \u0161koda je, ako spr\u00e1vne vypo\u010d\u00edta\u0165 v\u00fd\u0161ku poistn\u00e9ho plnenia, \u010do robi\u0165 ak chcete da\u0165 vozidlo opravi\u0165\u00a0 \u010di ak v\u00e1m pois\u0165ov\u0148a stanovila n\u00edzku v\u0161eobecn\u00fa hodnotu, ako viete z\u00edska\u0165 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1305,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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