{"id":1959,"date":"2023-11-24T13:41:51","date_gmt":"2023-11-24T12:41:51","guid":{"rendered":"https:\/\/aider.sk\/?p=1959"},"modified":"2024-01-23T09:46:26","modified_gmt":"2024-01-23T08:46:26","slug":"ake-su-formy-preplatenia-parcialnej-skody","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/ake-su-formy-preplatenia-parcialnej-skody\/","title":{"rendered":"AK\u00c9 SU FORMY PREPLATENIA PARCI\u00c1LNEJ \u0160KODY"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1959\" class=\"elementor elementor-1959\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4cc43038 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"4cc43038\" 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-5a696af9 exad-glass-effect-no exad-sticky-section-no\" data-id=\"5a696af9\" 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-28283799 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"28283799\" 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;player1966&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_2023-11-28T09_47_43_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\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-514bfaa7 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"514bfaa7\" 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-3d14c99 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3d14c99\" 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-13566184 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"13566184\" 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>V pr\u00edpade, \u017ee je \u0161koda na aute ozna\u010den\u00e1 ako\u00a0<\/b><a href=\"https:\/\/aider.sk\/en\/co-je-parcialna-skoda\/\"><b>parci\u00e1lna \u0161koda<\/b><\/a><b>,\u00a0pois\u0165ov\u0148a\u00a0v\u00e1m povo\u013euje opravu vozidla.<\/b><\/p><p><b>V\u00a0tomto \u010dl\u00e1nku si povieme, <\/b><span style=\"font-weight: 400;\">\u010di si dok\u00e1\u017eete da\u0165 preplati\u0165 poistn\u00e9 plnenie viacer\u00fdmi sp\u00f4sobmi, ak\u00e9 s\u00fa rozdiely medzi jednotliv\u00fdmi formami aj vzh\u013eadom na to, \u010di ide o\u00a0PZP alebo havarijn\u00e9 poistenie, \u010di ktor\u00e1 z foriem je najbe\u017enej\u0161ia,<\/span><\/p><p><span style=\"font-weight: 400;\">Na z\u00e1ver v\u00e1m povieme ako sa <\/span><b>vyhn\u00fa\u0165 v\u0161etk\u00fdm n\u00e1strah\u00e1m<\/b><span style=\"font-weight: 400;\"> t\u00fdm, \u017ee si d\u00e1te vozidlo <\/span><b>opravi\u0165 u\u00a0n\u00e1s<\/b><span style=\"font-weight: 400;\">\u00a0 a\u00a0navy\u0161e bezplatne.<\/span><\/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-65c7e0bd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"65c7e0bd\" 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\">\u00dahrada poistn\u00e9ho plnenia formou rozpo\u010dtu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aeaa35e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"4aeaa35e\" 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 forme \u00fahrady poistn\u00e9ho plnenia\u00a0<\/span><b>rozpo\u010dtom<\/b><span style=\"font-weight: 400;\">\u00a0v\u00e1m pois\u0165ov\u0148a vypo\u010d\u00edta n\u00e1klady na opravu prostredn\u00edctvom svojho kalkula\u010dn\u00e9ho syst\u00e9mu. T\u00fato vykalkulovan\u00fa \u010diastku v\u00e1m n\u00e1sledne vyplat\u00ed. Z na\u0161ich dlhoro\u010dn\u00fdch sk\u00fasenost\u00ed vieme, \u017ee <\/span><b>vypo\u010d\u00edtan\u00e1 suma<\/b><span style=\"font-weight: 400;\"> poistn\u00e9ho plnenia formou rozpo\u010dtu b\u00fdva <\/span><b>zhruba polovi\u010dn\u00e1<\/b><span style=\"font-weight: 400;\"> oproti n\u00e1kladom na opravu v autorizovanom servise.<\/span><\/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-731b548 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"731b548\" 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\">Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm pri plnen\u00ed formou rozpo\u010dtu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc9760 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6fc9760\" 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;\">Je rozdiel medzi poistn\u00fdm plnen\u00edm formou rozpo\u010dtu z PZP a medzi t\u00fdm z havarijn\u00e9ho poistenia. V z\u00e1sade plat\u00ed, \u017ee v oboch pr\u00edpadoch v\u00e1m pois\u0165ov\u0148a vyplat\u00ed poistn\u00e9 plnenie, ktor\u00e9 je kalkulovan\u00e9 pod\u013ea neorigin\u00e1lnych dielov a pr\u00e1ce za normohodinu vo v\u00fd\u0161ke 10 EUR \u2013 20 EUR.<\/span><\/p><p><span style=\"font-weight: 400;\">Pri PZP sa v\u0161ak\u00a0<\/span><a href=\"https:\/\/aider.sk\/en\/plnenie-rozpoctom-ako-ziskat-viac-o-100-200\/\" target=\"_blank\" rel=\"noopener\">m\u00f4\u017eete dom\u00e1ha\u0165 doplatku poistn\u00e9ho plnenia<\/a><span style=\"font-weight: 400;\">, pri\u010dom z havarijn\u00e9ho poistenia\u00a0nie. Je to dan\u00e9 t\u00fdm, \u017ee z PZP sa uhr\u00e1dza po\u0161koden\u00e9mu skuto\u010dn\u00e1 \u0161koda, ktor\u00e1 predstavuje n\u00e1klady na opravu v autorizovanom servise, za pou\u017eitia origin\u00e1lnych n\u00e1hradn\u00fdch dielov.<\/span><\/p><p><span style=\"font-weight: 400;\">Na druh\u00fa stranu, z havarijn\u00e9ho poistenia sa uhr\u00e1dza to, \u010do m\u00e1te dojednan\u00e9 vo v\u0161eobecn\u00fdch poistn\u00fdch podmienkach. Zv\u00e4\u010d\u0161a je uveden\u00e9, \u017ee n\u00e1rok na \u00fahradu formou rozpo\u010dtu mus\u00ed pois\u0165ovate\u013e vopred schv\u00e1li\u0165 a uhrad\u00ed plnenie vo v\u00fd\u0161ke, ak\u00e9 je v podmienkach uveden\u00e9.\u00a0<\/span><\/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-eb5199a exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"eb5199a\" 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;\">Av\u0161ak, nako\u013eko m\u00e1 ka\u017ed\u00e1 z pois\u0165ovn\u00ed vlastn\u00e9 poistn\u00e9 podmienky, nie je mo\u017en\u00e9 pri havarijnom poisten\u00ed dopredu ur\u010di\u0165, ko\u013eko v\u00e1m formou rozpo\u010dtu uhradia.<\/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-58c27afa elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"58c27afa\" 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-696af771 exad-glass-effect-no exad-sticky-section-no\" data-id=\"696af771\" 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-4f88cf0 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"4f88cf0\" 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\">\u00dahrada plnenia formou krycieho listu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b402f69 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6b402f69\" 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;\">Najbe\u017enej\u0161\u00ed sp\u00f4sob \u00fahrady plnenia je pr\u00e1ve formou\u00a0<\/span><b>krycieho listu<\/b><span style=\"font-weight: 400;\">. V ide\u00e1lnej situ\u00e1cii odovzd\u00e1te vozidlo do servisu, ten v\u0161etko odkomunikuje s pois\u0165ov\u0148ou, oprav\u00ed \u0161kodu na vozidle a vystav\u00ed kryc\u00ed list. N\u00e1sledne je poistn\u00e9 plnenie vyplaten\u00e9 priamo servisn\u00e9mu stredisku.<\/span><\/p><p><span style=\"font-weight: 400;\">Av\u0161ak, aj tu sa m\u00f4\u017eu <\/span><b>vyskytn\u00fa\u0165 probl\u00e9my<\/b><span style=\"font-weight: 400;\"> a to aj pri uplat\u0148ovan\u00ed z PZP, aj pri havarijnom poisten\u00ed. M\u00f4\u017ee sa napr\u00edklad sta\u0165, \u017ee <\/span><b>pois\u0165ov\u0148a odmietne rozsah opravy<\/b><span style=\"font-weight: 400;\"> vozidla, alebo zn\u00ed\u017ei poistn\u00e9 plnenie, napr\u00edklad v pr\u00edpade predch\u00e1dzaj\u00faceho po\u0161kodenia na dieloch. Kryc\u00ed list je tak vystaven\u00fd na ni\u017e\u0161iu sumu, ako re\u00e1lna cena opravy. <\/span><b>Tento rozdiel mus\u00edte zaplati\u0165 vy <\/b><span style=\"font-weight: 400;\">ako po\u0161koden\u00e1 osoba, aby v\u00e1m servis vydal vozidlo. N\u00e1sledne sa mus\u00edte v pois\u0165ovni dom\u00e1ha\u0165 k doplateniu poistn\u00e9ho plnenia. Taktie\u017e sa m\u00f4\u017ee sta\u0165, \u017ee pois\u0165ov\u0148a neuhrad\u00ed ni\u010d a zamietne n\u00e1roky v plnom rozsahu, napr\u00edklad z d\u00f4vodu\u00a0<\/span><a href=\"https:\/\/aider.sk\/en\/technicka-prijatelnost-nehodoveho-deja\/\"><span style=\"font-weight: 400;\">technickej neprijate\u013enosti nehodov\u00e9ho deja<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Odpor\u00fa\u010dame v\u00e1m najprv overi\u0165 si zaplatenie opravy pois\u0165ov\u0148ou predt\u00fdm, ne\u017e sa zah\u00e1ji zo strany servisu.<\/span><\/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-906f7d5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"906f7d5\" 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\">Rozdiel medzi PZP a havarijn\u00fdm poisten\u00edm pri plnen\u00ed formou krycieho listu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf90c0 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"1bf90c0\" 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;\">Aj pri krycom liste plat\u00ed, \u017ee je rozdiel \u010di poistn\u00e9 plnenie bude uhr\u00e1dzan\u00e9 z <\/span><b>PZP<\/b><span style=\"font-weight: 400;\"> alebo z havarijn\u00e9ho poistenia. Pri PZP vypl\u00fdvaj\u00fa va\u0161e n\u00e1roky na v\u00fd\u0161ku poistn\u00e9ho plnenia zo z\u00e1kona. Pod\u013ea aktu\u00e1lnych pr\u00e1vnych predpisov m\u00e1te n\u00e1rok na \u00fahradu plnenia a\u017e do <\/span><b>v\u00fd\u0161ky skuto\u010dnej \u0161kody<\/b><span style=\"font-weight: 400;\">. Mali by v\u00e1m teda by\u0165 preplaten\u00e9 v\u0161etky n\u00e1klady, ktor\u00e9 ste mali spojen\u00e9 s odstr\u00e1nen\u00edm n\u00e1sledkov \u0161kodovej udalosti a to bez oh\u013eadu na to, kto v\u00e1m opravu realizoval.<\/span><\/p><p><span style=\"font-weight: 400;\">Pri <\/span><b>havarijnom poisten\u00ed<\/b><span style=\"font-weight: 400;\"> plat\u00ed, \u017ee kryc\u00ed list je vystaven\u00fd v zmysle prisl\u00fachaj\u00facich <\/span><b>v\u0161eobecn\u00fdch poistn\u00fdch podmienok<\/b><span style=\"font-weight: 400;\"> platn\u00fdch k zmluve, v ktor\u00fdch m\u00f4\u017eu by\u0165 definovan\u00e9 jednotliv\u00e9 sadzby za jednotliv\u00e9 \u00fakony. Jedn\u00e1 sa najm\u00e4 o sadzby za normohodinu pr\u00e1ce, ktor\u00e1 je rozdielna pre zmluvn\u00e9 servisy a pre nezmluvn\u00e9 servisy.<\/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-346871d elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"346871d\" 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-1ab8480a exad-glass-effect-no exad-sticky-section-no\" data-id=\"1ab8480a\" 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-41b61c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"41b61c\" 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 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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  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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-4c31055c elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"4c31055c\" 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-3cb1b37a exad-glass-effect-no exad-sticky-section-no\" data-id=\"3cb1b37a\" 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-52d218af exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"52d218af\" 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\">\u00dahrada plnenia formou fakt\u00fary<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8132b0 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"4a8132b0\" 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>Najmenej<\/b><span style=\"font-weight: 400;\"> vyu\u017e\u00edvan\u00e1 forma \u00fahrady poistn\u00e9ho plnenia je formou\u00a0<\/span><b>fakt\u00fary<\/b><span style=\"font-weight: 400;\">. V tomto pr\u00edpade zaplat\u00edte servisu za vykonan\u00fa opravu a n\u00e1sledne fakt\u00faru predlo\u017e\u00edte pois\u0165ovni na \u00fahradu. Aj tu v\u0161ak m\u00f4\u017eu nasta\u0165 probl\u00e9my a tie\u017e je rozdiel, \u010di si uplat\u0148ujete n\u00e1hradu z PZP alebo zo svojho havarijn\u00e9ho poistenia. V princ\u00edpe plat\u00ed, \u017ee m\u00e1te rovnak\u00e9 n\u00e1roky na poistn\u00e9 plnenie, \u010di u\u017e sa rozhodnete pre kryc\u00ed list alebo pre fakt\u00faru.<\/span><\/p><p><span style=\"font-weight: 400;\">Pri krycom liste <\/span><b>riskujete to<\/b><span style=\"font-weight: 400;\">, \u017ee ak <\/span><b>pois\u0165ov\u0148a neuhrad\u00ed cel\u00fa sumu<\/b><span style=\"font-weight: 400;\"> servisu, <\/span><b>vozidlo <\/b><span style=\"font-weight: 400;\">s\u00edce budete ma\u0165 opraven\u00e9, no <\/span><b>nevydaj\u00fa<\/b><span style=\"font-weight: 400;\">\u00a0v\u00e1m ho zo servisu, \u010di\u017ee ho nebudete m\u00f4c\u0165 vyu\u017e\u00edva\u0165.<\/span><\/p><p><span style=\"font-weight: 400;\">Ak sa rozhodnete pre <\/span><b>fakt\u00faru<\/b><span style=\"font-weight: 400;\">, zaplat\u00edte ju servisu vy, servis v\u00e1m vozidlo vyd\u00e1 a vy ho m\u00f4\u017eete n\u00e1sledne vyu\u017e\u00edva\u0165. <\/span><b>Riskujete v\u0161ak, \u017ee v\u00e1m pois\u0165ov\u0148a nepreplat\u00ed fakt\u00faru<\/b><span style=\"font-weight: 400;\"> v plnej v\u00fd\u0161ke, pr\u00edpadne z nej\u00a0neuhrad\u00ed \u010das\u0165.<\/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-13602612 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"13602612\" 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-364fdf74 exad-glass-effect-no exad-sticky-section-no\" data-id=\"364fdf74\" 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-4e896f63 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"4e896f63\" 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?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4ab9ba exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"2e4ab9ba\" 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 jednom z na\u0161ich autoservisov <\/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 <a href=\"https:\/\/aider.sk\/en\/nahradne-vozidlo\/\">n\u00e1hradn\u00e9 vozidlo.<\/a><\/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>Zanechajte n\u00e1m v\u00e1\u0161 kontakt alebo n\u00e1s kontaktujte priamo a poskytneme v\u00e1m rie\u0161enia.<\/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-c5f8fed elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"c5f8fed\" 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-2131248 exad-glass-effect-no exad-sticky-section-no\" data-id=\"2131248\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-26737f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"26737f8\" 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-5eaeeab exad-glass-effect-no exad-sticky-section-no\" data-id=\"5eaeeab\" 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-58cf824 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"58cf824\" 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\">Zanechajte n\u00e1m kontakt !<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1277d exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"ed1277d\" 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\"><form id=\"forminator-module-2417\" class=\"forminator-custom-form forminator-custom-form-2417\" method=\"post\" data-forminator-render=\"0\" data-uid=\"6a120ab3e356e\" action=\"\"><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form><\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8504466 exad-glass-effect-no exad-sticky-section-no\" data-id=\"8504466\" 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-f2ff5f3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"f2ff5f3\" 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\">Zavolajte alebo nap\u00ed\u0161te n\u00e1m!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2ed9fa exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"a2ed9fa\" 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\"><a href=\"tel:+421948878717\">+421 948 87 87 17<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f865935 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"f865935\" 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\"><a href=\"mailto:info@aider.sk\">info@aider.sk<\/a><\/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\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>V pr\u00edpade, \u017ee je \u0161koda na aute ozna\u010den\u00e1 ako\u00a0parci\u00e1lna \u0161koda,\u00a0pois\u0165ov\u0148a\u00a0v\u00e1m povo\u013euje opravu vozidla. V\u00a0tomto \u010dl\u00e1nku si povieme, \u010di si dok\u00e1\u017eete da\u0165 preplati\u0165 poistn\u00e9 plnenie viacer\u00fdmi sp\u00f4sobmi, ak\u00e9 s\u00fa rozdiely medzi jednotliv\u00fdmi formami aj vzh\u013eadom na to, \u010di ide o\u00a0PZP alebo havarijn\u00e9 poistenie, \u010di ktor\u00e1 z foriem je najbe\u017enej\u0161ia, Na z\u00e1ver v\u00e1m povieme ako sa vyhn\u00fa\u0165 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1187,"comment_status":"closed","ping_status":"open","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-1959","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\/1959","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=1959"}],"version-history":[{"count":0,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1959\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media\/1187"}],"wp:attachment":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}