{"id":1903,"date":"2023-11-24T12:32:58","date_gmt":"2023-11-24T11:32:58","guid":{"rendered":"https:\/\/aider.sk\/?p=1903"},"modified":"2024-01-23T09:48:46","modified_gmt":"2024-01-23T08:48:46","slug":"nechat-si-skodu-preplatit-rozpoctom-alebo-fakturou","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/nechat-si-skodu-preplatit-rozpoctom-alebo-fakturou\/","title":{"rendered":"PREPLATENIE \u0160KODY ROZPO\u010cTOM ALEBO FAKT\u00daROU"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1903\" class=\"elementor elementor-1903\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d11251a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"7d11251a\" 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-a5fe4c3 exad-glass-effect-no exad-sticky-section-no\" data-id=\"a5fe4c3\" 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-243dc661 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"243dc661\" 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;player1910&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_2023-11-24T11_40_03_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-3e2114ba exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"3e2114ba\" 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><b>Pokia\u013e sa rozhodujete, \u010di si \u0161kodu na svojom aute nech\u00e1te vyplati\u0165 rozpo\u010dtom alebo fakt\u00farou (resp. kryc\u00edm listom), treba si dobre premyslie\u0165, \u010do je pre v\u00e1s v\u00fdhodnej\u0161ie.\u00a0<\/b><span style=\"font-weight: 400;\">V tomto \u010dl\u00e1nku sa dozviete ak\u00e9 rie\u0161enie je pre v\u00e1s to spr\u00e1vne a pri ktorej variante je riziko probl\u00e9mov ni\u017e\u0161ie.<\/span><\/p><p><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 v\u00e1m prezrad\u00edme, ako sa viete ak\u00e9muko\u013evek riziku \u00faplne vyhn\u00fa\u0165 a\u00a0da\u0165 si vozidlo opravi\u0165 bez platenia a\u00a0starost\u00ed s\u00a0pois\u0165ov\u0148ou.<\/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-3f218b12 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"3f218b12\" 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-1ef18c49 exad-glass-effect-no exad-sticky-section-no\" data-id=\"1ef18c49\" 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-7f34d62 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"7f34d62\" 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\">Plnenie rozpo\u010dtom z PZP<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d5ca37 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6d5ca37\" 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;\">Predt\u00fdm, ako sa rozhodnete, \u017ee si \u0161kodu nech\u00e1te vyplati\u0165 rozpo\u010dtom, by ste mali bra\u0165 do \u00favahy aj\u00a0<\/span><b>rozsah po\u0161kodenia<\/b><span style=\"font-weight: 400;\">\u00a0svojho auta. Ke\u010f sa jedn\u00e1 o po\u0161kodenie zop\u00e1r dielov, ktor\u00e9 si viete zaobstara\u0165 aj na vrakovisku, ako napr\u00edklad n\u00e1razn\u00edk, je ve\u013emi pravdepodobn\u00e9, \u017ee sa v\u00e1m to finan\u010dne oplat\u00ed.<\/span><\/p><p><span style=\"font-weight: 400;\">Pokia\u013e sa v\u0161ak jedn\u00e1 o rozsiahlej\u0161iu opravu karos\u00e1rskych a mechanick\u00fdch \u010dast\u00ed, u\u017e to tak ru\u017eov\u00e9 nemus\u00ed by\u0165. Ve\u013emi \u013eahko sa m\u00f4\u017ee sta\u0165, \u017ee na opravu budete dopl\u00e1ca\u0165 zo svojho aj\u00a0<\/span><b>nieko\u013eko tis\u00edc eur,<\/b><span style=\"font-weight: 400;\">\u00a0ako jeden z na\u0161ich klientov. Pr\u00edpad n\u00e1\u0161ho klienta sme aj\u00a0<\/span><a href=\"https:\/\/www.youtube.com\/watch?v=ZdTMHs71mEw&amp;t=\"><span style=\"font-weight: 400;\">medializovali<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a toti\u017e pri n\u00e1hrade \u0161kody rozpo\u010dtom vypo\u010d\u00edta primeran\u00fa primeran\u00e9 n\u00e1klady na opravu, na z\u00e1klade kalkula\u010dn\u00e9ho syst\u00e9mu, ktor\u00fd v\u0161ak nezoh\u013ead\u0148uje re\u00e1lne ceny n\u00e1hradn\u00fdch dielov. Okrem toho pois\u0165ovne hodinov\u00e1 mzda mechanika vypo\u010d\u00edtan\u00e1 pois\u0165ov\u0148ami je podhodnoten\u00e1. Hodinov\u00e1 mzda v <\/span><b>Allianz pois\u0165ovni<\/b><span style=\"font-weight: 400;\">\u00a0pri plnen\u00ed rozpo\u010dtom je 10,00 EUR s DPH (konkr\u00e9tne pri AUDI A6).\u00a0V <\/span><b>\u010cSOB pois\u0165ovni<\/b><span style=\"font-weight: 400;\">\u00a0je 17,00 EUR s DPH za hodinu pri vozidle Volkswagen Golf V. Z dostupn\u00fdch \u00fadajov si najlep\u0161ie viedla\u00a0<\/span><b>Union pois\u0165ov\u0148a<\/b><span style=\"font-weight: 400;\">, ktor\u00e1 hodnot\u00ed pr\u00e1cu mechanika pri plnen\u00ed rozpo\u010dtom na 24,00 EUR s DPH (AUDI A6).<\/span><\/p><p><span style=\"font-weight: 400;\">Ak sa rozhodnete, \u017ee si nech\u00e1te \u0161kodu preplati\u0165 rozpo\u010dtom, ur\u010dite si\u00a0<\/span><b>odkladajte v\u0161etky fakt\u00fary a blo\u010dky<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 ste s opravami mali spojen\u00e9. V pr\u00edpade, \u017ee rozpo\u010det, ktor\u00fd stanovila pois\u0165ov\u0148a nebude sta\u010di\u0165 na opravu, m\u00f4\u017ee pois\u0165ov\u0148a na z\u00e1klade t\u00fdchto fakt\u00far a blo\u010dkov prehodnoti\u0165 svoje stanovisko a doplati\u0165 v\u00e1m rozdiel medzi p\u00f4vodn\u00fdm rozpo\u010dtom a skuto\u010dn\u00fdmi n\u00e1kladmi na opravu.<\/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-52bc0c3e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"52bc0c3e\" 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-54ddb4d7 exad-glass-effect-no exad-sticky-section-no\" data-id=\"54ddb4d7\" 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-3a670a78 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"3a670a78\" 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\">Kryc\u00ed list<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e2c687e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6e2c687e\" 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;\">Pri krycom liste sa st\u00e1va, \u017ee\u00a0<\/span><b>pois\u0165ov\u0148a nepreplat\u00ed cel\u00fa \u010diastku<\/b><span style=\"font-weight: 400;\">, ktor\u00fa servis fakturuje za opravu auta. D\u00f4vodov m\u00f4\u017ee by\u0165 viacero. Napr\u00edklad to, \u017ee pois\u0165ov\u0148a bude zast\u00e1va\u0165 n\u00e1zor, \u017ee va\u0161e vozidlo sa vplyvom opravy zhodnotilo a teda v\u00fd\u0161ku tohto zhodnotenia nepreplat\u00ed servisu. V\u00e4\u010d\u0161ina motoristov tento stav bude pozna\u0165 pod pojmom \u201eamortiz\u00e1cia\u201c. Pois\u0165ov\u0148a zn\u00ed\u017ei poistn\u00e9 plnenie o tzv. amortiz\u00e1ciu a je na po\u0161kodenom, aby servisu doplatil zvy\u0161ok, inak v\u00e1m servis nevyd\u00e1 opraven\u00e9 auto. Tento doplatok sa m\u00f4\u017ee pohybova\u0165 r\u00e1dovo aj v stovk\u00e1ch eur.<\/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-7f602a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"7f602a\" 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-2e94b838 exad-glass-effect-no exad-sticky-section-no\" data-id=\"2e94b838\" 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-c9f8be7 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"c9f8be7\" 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\">Fakt\u00fara<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fdf36cd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"7fdf36cd\" 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;\">Pri tomto sp\u00f4sobe, najsk\u00f4r zaplat\u00edte servisu fakt\u00faru za opravu auta a n\u00e1sledne ju za\u0161lete do pois\u0165ovne, ktor\u00e1 v\u00e1m ju preplat\u00ed na v\u00e1\u0161 \u00fa\u010det s pr\u00edpadn\u00fdm pon\u00ed\u017een\u00edm o spom\u00ednan\u00fa amortiz\u00e1ciu. Ako postupova\u0165 v takomto pr\u00edpade, sa do\u010d\u00edtate v \u010dl\u00e1nku\u00a0<\/span><a href=\"https:\/\/aider.sk\/en\/ako-sa-vyhnut-amortizacii-pri-plneniach-z-pzp\/\"><span style=\"font-weight: 400;\">Ako sa vyhn\u00fa\u0165 amortiz\u00e1cii pri plneniach z PZP.<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">V jednom pr\u00edpade na\u0161ej klientky, ktorej \u0161koda bola uplat\u0148ovan\u00e1 z pois\u0165ovne Kooperativa formou fakt\u00fary, sa stalo, \u017ee zmluvn\u00fd servis pois\u0165ovne\u00a0<\/span><b>duplicitne \u00fa\u010dtoval DPH<\/b><span style=\"font-weight: 400;\">\u00a0vo fakt\u00fare. Na\u0161ej klientke pois\u0165ov\u0148a kr\u00e1tila poistn\u00e9 plnenie o t\u00fato duplicitne \u00fa\u010dtovan\u00fa DPH, \u010do v\u0161ak v praxi znamenalo, \u017ee vozidlo nebolo a\u017e do vyrie\u0161enia tejto nezrovnalosti mo\u017en\u00e9 zo servisu zobra\u0165. Nakoniec sa cel\u00e1 situ\u00e1cia dorie\u0161ila so servisom, ktor\u00fd opravu auta vykonal.<\/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-206a1a9e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"206a1a9e\" 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-39d12648 exad-glass-effect-no exad-sticky-section-no\" data-id=\"39d12648\" 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-20e2f294 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"20e2f294\" 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\">Odpor\u00fa\u010danie\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66579d4c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"66579d4c\" 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<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;\">Pri oprav\u00e1ch na nov\u0161\u00edch aut\u00e1ch v\u00e1m odpor\u00fa\u010dame vyu\u017ei\u0165 n\u00e1hradu \u0161kody\u00a0<\/span><b>formou krycieho listu, pr\u00edpadne fakt\u00farou<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Pri\u00a0<\/span><b>star\u0161\u00edch aut\u00e1ch<\/b><span style=\"font-weight: 400;\">\u00a0v\u00e1m sk\u00f4r odpor\u00fa\u010dame vyu\u017ei\u0165 n\u00e1hradu \u0161kody rozpo\u010dtom a to najm\u00e4 pokia\u013e sa jedn\u00e1 o men\u0161ie po\u0161kodenia, pri ktor\u00fdch budete finan\u010dne od\u0161kodnen\u00fd, no opravu u\u017e vykona\u0165 nemus\u00edte a zmierite sa s t\u00fdm, \u017ee budete jazdi\u0165 na po\u0161kodenom aute (ak sa jedn\u00e1 iba o kozmetick\u00e9 po\u0161kodenia).<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\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-2c685b62 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"2c685b62\" 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-66829f4f exad-glass-effect-no exad-sticky-section-no\" data-id=\"66829f4f\" 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-5a80486a exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"5a80486a\" 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=\"1334\" class=\"elementor elementor-1334\">\n\t\t\t\t\t\t<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;}\">\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-f0ffe96 exad-glass-effect-no exad-sticky-section-no\" data-id=\"f0ffe96\" 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-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\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sta\u010dia tri kliknutia a dozviete sa \u010do V\u00e1m v Pois\u0165ovni nepovedia.<\/h2>\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-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;}\">\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-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;}\">\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-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\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\n<html lang=\"sk\">\n<head>\n    <meta charset=\"UTF-8\">\n    <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n    <title>Sprievodca \u0160kodou<\/title>\n    <style>\n        * {\n            box-shadow: 0 0 0 0.0px red;\n        }\n        \n\n\n        \n        \/* Hide the loader by default *\/\n        .hidden {\n            display: none;\n        }\n        \/* Additional custom styling *\/\n        #form-container {\n            background-color: #0c2b5a; \/* Lighter grey background for the form *\/\n            border: 1px solid #cbd5e0; \/* Light grey border *\/\n            border-radius: 10px; \/* Rounded corners *\/\n            \n            margin: 0 auto;\n            max-width: 900px; \/* Wider form *\/\n            text-align: left; \/* Align text to the left *\/\n            position: relative; \/* Make it a reference for absolute positioning *\/\n            box-sizing: border-box;\n           \n        }\n        .question-container {\n            background-color: #b8c9e2; \/* Lighter grey background for the question *\/\n            border: 1px solid #cbd5e0; \/* Light grey border *\/\n            padding: 10px 20px; \/* Reduced padding for the question *\/\n            margin-bottom: 20px;\n            border-radius: 8px; \/* Rounded corners *\/\n        }\n        .question {\n            font-size: 2rem; \/* Bigger text for questions *\/\n            opacity: 0; \/* Initially hidden *\/\n            transition: opacity 0.5s ease; \/* Fade in transition *\/\n            color: #374151; \/* Same color as options *\/\n        }\n        .fade-in {\n            opacity: 1; \/* Visible with fade in effect *\/\n        }\n        #backButton {\n            background-color: #d1d5db; \/* Grey background for the back button *\/\n            color: #374151; \/* Same color as options *\/\n            display: none; \/* Hidden by default *\/\n        }\n        .line-divider {\n            border-bottom: 1px solid #fff; \/* White border bottom *\/\n            margin: 0 auto;\n            width: calc(100% - 2cm); \/* 1cm space on left and right *\/\n            margin-bottom: 20px;\n        }\n    \n        .footer {\n            width: 100%;\n            position: relative; \/* Position it at the bottom *\/\n            border-top: 1px solid #5e5e5e; \/* Grey border top *\/\n            background-color: #383d54; \/* Footer background color *\/\n            padding-top: 10px; \/* Padding for footer *\/\n            border-radius: 0 0 10px 10px; \/* Rounded bottom corners *\/\n            text-align: center;\n            height: 60px; \/* Consistent height for footer *\/\n            display: flex;\n            justify-content: center; \/* Center the back button horizontally *\/\n            align-items: center; \/* Center the back button vertically *\/\n            margin-top: 20px; \/* Added top margin to the footer *\/\n        }\n\n        .option-button-embed {\n            opacity: 0; \/* Initially hidden *\/\n            transition: opacity 0.5s ease !important; \/* Fade in transition *\/\n            display: block; \/* Ensure the button is a block element *\/\n            width: 100%; \/* Full width *\/\n            text-align: left; \/* Align text to the left *\/\n            margin-bottom: 10px; \/* Space between buttons *\/\n        }\n        .option-button-embed.fade-in {\n            opacity: 1; \/* Visible with fade in effect *\/\n        }\n    <\/style>\n<\/head>\n<body data-rsssl=1 class=\"bg-gray-100\">\n    <div id=\"form-container\" class=\"\">\n        <div class=\"question-container\">\n            <div class=\"question mb-4 mx-4 my-2\" id=\"question\"><\/div>\n        <\/div>\n        \n\n        <div id=\"options\" class=\"mx-10\"><\/div>\n        <div id=\"loader\" class=\"loader hidden\"><\/div> \n        <div class=\"result\" id=\"result\">\n        <\/div>\n        <div class=\"footer\">\n            <button onclick=\"goBack()\" id=\"backButton\" class=\"py-2 px-4 rounded-lg text-lg font-medium\">Back<\/button>\n        <\/div>\n    <\/div>\n\n    <script>\n        const questions = {\n            \"start\": [\"Hav\u00e1ria vozidla\", \"Po\u0161koden\u00e9 \u010deln\u00e9 sklo\", \"Konzult\u00e1cia poistnej udalosti\"],\n            \"Hav\u00e1ria vozidla\": {\n                question: \"Nahl\u00e1sili ste u\u017e poistn\u00fa udalos\u0165 o pois\u0165ovni?\",\n                options: [\"U\u017e som nahl\u00e1sil\", \"E\u0161te som nenahl\u00e1sil\", \"Konzult\u00e1cia poistnej udalosti\"]\n            },\n            \"U\u017e som nahl\u00e1sil\": {\n                question: \"Akou formou v\u00e1m vyplatili poistn\u00e9 plnenie?\",\n                options: [\"Formou rozpo\u010dtu\", \"Formou tot\u00e1lnej \u0161kody\", \"E\u0161te nevyplatili\", \"Konzult\u00e1cia poistnej udalosti\"]\n            },\n            \n            \n            \"Po\u0161koden\u00e9 \u010deln\u00e9 sklo\": {\n                question: \"Po\u0161koden\u00e9 \u010deln\u00e9 sklo\",\n                options: [\"U\u017e m\u00e1m opraven\u00e9 \u010deln\u00e9 sklo\", \"E\u0161te nem\u00e1m opraven\u00e9 \u010deln\u00e9 sklo\"]\n            },\n           \n        };\n\n        const results = {\n            \"Formou rozpo\u010dtu\": \"\/result-1-1-2\",\n            \n            \"Formou tot\u00e1lnej \u0161kody\": \"\/result-1-1-1\",\n            \"E\u0161te nevyplatili\": \"\/result-1-1-3\",\n            \"U\u017e m\u00e1m opraven\u00e9 \u010deln\u00e9 sklo\": \"\/result-2-1\",\n            \"E\u0161te nem\u00e1m opraven\u00e9 \u010deln\u00e9 sklo\": \"\/result-2-2\",\n            \"Konzult\u00e1cia poistnej udalosti\": \"\/3-3\",\n            \"Konzult\u00e1cia\": \"\/3-3\",\n            \"E\u0161te som nenahl\u00e1sil\":\"\/1-2\"\n        };\n\n        let history = [];\n        let currentStep = \"start\";\n\n        function renderStep(step) {\n            const questionElement = document.getElementById(\"question\");\n            const optionsElement = document.getElementById(\"options\");\n            const resultElement = document.getElementById(\"result\");\n            const backButton = document.getElementById(\"backButton\");\n\n            optionsElement.innerHTML = '';\n            resultElement.innerHTML = '';\n\n            if (step === \"start\") {\n                questionElement.innerText = \"SPRIEVODCA \u0160KODOU\";\n                questions[step].forEach(option => {\n                    const button = document.createElement(\"button\");\n                    button.innerText = option;\n                    button.classList.add(\"py-2\", \"px-4\", \"rounded-lg\", \"text-lg\", \"border\",\"border-blue-500\",\"hover:border-blue-500\",\"font-medium\", \n                    \"text-white\",\"bg-transparent\",\"hover:bg-sky-700\", \"hover:bg-sky-700\", \"transition\", 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\"hover:bg-sky-700\",\"hover:text-white\", \n                    \"transition\", \"duration-200\", \"ease-in-out\" ,\"hover:ease-in-out\", \"mr-4\", \"mb-4\", \"option-button-embed\");\n                    button.onclick = () => nextStep(option);\n                    optionsElement.appendChild(button);\n                    \/\/ Trigger fade-in effect\n                    setTimeout(() => button.classList.add(\"fade-in\"), 0);\n                });\n            }\n\n            \/\/ Fade in effect for questions\n            questionElement.classList.add(\"fade-in\");\n\n            \/\/ Show the back button only if there's history\n            backButton.style.display = history.length ? 'block' : 'none';\n        }\n        function redirectToResult(resultUrl) {\n            const host = window.location.host;\n            const protocol = window.location.protocol;\n            const fullUrl = `${protocol}\/\/${host}${resultUrl}`;\n        \n            \/\/ Show text message for redirection\n            const optionsContainer = document.getElementById(\"options\");\n            optionsContainer.innerHTML = `<p class=\"text-lg text-center text-white\">Prebieha presmerovanie...<\/p>\n            <div class=\"text-center\">\n    <div role=\"status\">\n        <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\">\n            <path d=\"M100 50.5908C100 78.2051 77.6142 100.591 50 100.591C22.3858 100.591 0 78.2051 0 50.5908C0 22.9766 22.3858 0.59082 50 0.59082C77.6142 0.59082 100 22.9766 100 50.5908ZM9.08144 50.5908C9.08144 73.1895 27.4013 91.5094 50 91.5094C72.5987 91.5094 90.9186 73.1895 90.9186 50.5908C90.9186 27.9921 72.5987 9.67226 50 9.67226C27.4013 9.67226 9.08144 27.9921 9.08144 50.5908Z\" fill=\"currentColor\"\/>\n            <path d=\"M93.9676 39.0409C96.393 38.4038 97.8624 35.9116 97.0079 33.5539C95.2932 28.8227 92.871 24.3692 89.8167 20.348C85.8452 15.1192 80.8826 10.7238 75.2124 7.41289C69.5422 4.10194 63.2754 1.94025 56.7698 1.05124C51.7666 0.367541 46.6976 0.446843 41.7345 1.27873C39.2613 1.69328 37.813 4.19778 38.4501 6.62326C39.0873 9.04874 41.5694 10.4717 44.0505 10.1071C47.8511 9.54855 51.7191 9.52689 55.5402 10.0491C60.8642 10.7766 65.9928 12.5457 70.6331 15.2552C75.2735 17.9648 79.3347 21.5619 82.5849 25.841C84.9175 28.9121 86.7997 32.2913 88.1811 35.8758C89.083 38.2158 91.5421 39.6781 93.9676 39.0409Z\" fill=\"currentFill\"\/>\n        <\/svg>\n        <span class=\"sr-only\">Loading...<\/span>\n    <\/div>\n<\/div>\n            \n            `\n\n        \n            \/\/ Open the URL in a new tab\n            window.open(fullUrl, '_blank');\n        \n            \/\/ Wait for 5 seconds and then restart the form\n            setTimeout(() => {\n                restartForm();\n            }, 5000);\n        }\n        function restartForm() {\n            \/\/ Clear history and reset to start\n            history = [];\n            currentStep = \"start\";\n            renderStep(currentStep);\n        }\n        \n        function nextStep(option) {\n            history.push(currentStep);\n            currentStep = option;\n            renderStep(currentStep);\n        }\n\n        function goBack() {\n            if (history.length) {\n                currentStep = history.pop();\n                renderStep(currentStep);\n            }\n        }\n\n        renderStep(currentStep);\n    <\/script>\n<\/body>\n<\/html>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b5a81dc elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"7b5a81dc\" 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-6a41af0e exad-glass-effect-no exad-sticky-section-no\" data-id=\"6a41af0e\" 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-280789d8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"280789d8\" 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\">Ako sa vyhn\u00fa\u0165 nepreplateniu opravy zo strany pois\u0165ovne?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73124dce exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"73124dce\" 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<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;\">Rie\u0161en\u00edm pre v\u00e1s je, ak si d\u00e1te opravi\u0165 vozidlo v\u00a0jednom z\u00a0na\u0161ich <a href=\"https:\/\/aider.sk\/en\/ake-su-nevyhody-zmluvnych-servisov\/\">zmluvn\u00fdch autoservisov,<\/a><\/span><span style=\"font-weight: 400;\">\u00a0kde sa vyhnete plateniu a\u00a0n\u00e1sledn\u00e9mu dom\u00e1haniu sa o\u00a0preplatenie v\u00a0pois\u0165ovni.<\/span><\/p><p><span style=\"font-weight: 400;\">My va\u0161e vozidlo oprav\u00edme bez platenia, poskytneme v\u00e1m n\u00e1hradn\u00e9 vozidlo,<\/span><span style=\"font-weight: 400;\">\u00a0taktie\u017e bez platenia, a\u00a0n\u00e1sledne si cel\u00fa vec na vlastn\u00e9 n\u00e1klady a\u00a0zodpovednos\u0165 dorie\u0161ime s\u00a0pois\u0165ov\u0148ou.<\/span><\/p><p><span style=\"font-weight: 400;\">V\u00a0pr\u00edpade, ak u\u017e vozidlo opraven\u00e9 m\u00e1te, a\u00a0pois\u0165ov\u0148a v\u00e1m kr\u00e1tila\u00a0 \u010di zamietla poistn\u00e9 plnenie, situ\u00e1ciu vyrie\u0161ime za v\u00e1s a\u00a0zariadime, aby pois\u0165ov\u0148a doplatila \u010do v\u00e1m patr\u00ed.<\/span><\/p><p>\u00a0<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\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-5071454a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"5071454a\" 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-6dcbdf08 exad-glass-effect-no exad-sticky-section-no\" data-id=\"6dcbdf08\" 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-579624ea exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"579624ea\" 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 fetchpriority=\"high\" 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>Pokia\u013e sa rozhodujete, \u010di si \u0161kodu na svojom aute nech\u00e1te vyplati\u0165 rozpo\u010dtom alebo fakt\u00farou (resp. kryc\u00edm listom), treba si dobre premyslie\u0165, \u010do je pre v\u00e1s v\u00fdhodnej\u0161ie.\u00a0V tomto \u010dl\u00e1nku sa dozviete ak\u00e9 rie\u0161enie je pre v\u00e1s to spr\u00e1vne a pri ktorej variante je riziko probl\u00e9mov ni\u017e\u0161ie. Z\u00e1rove\u0148 v\u00e1m prezrad\u00edme, ako sa viete ak\u00e9muko\u013evek riziku \u00faplne vyhn\u00fa\u0165 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1040,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[44],"tags":[],"class_list":["post-1903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parcialna-skoda"],"_links":{"self":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/comments?post=1903"}],"version-history":[{"count":0,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1903\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media\/1040"}],"wp:attachment":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}