{"id":1971,"date":"2023-11-24T13:56:30","date_gmt":"2023-11-24T12:56:30","guid":{"rendered":"https:\/\/aider.sk\/?p=1971"},"modified":"2024-01-23T09:46:26","modified_gmt":"2024-01-23T08:46:26","slug":"nahradne-vozidlo-pri-parcialnej-skode","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/nahradne-vozidlo-pri-parcialnej-skode\/","title":{"rendered":"N\u00c1HRADN\u00c9 VOZIDLO PRI PARCI\u00c1LNEJ \u0160KODE"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1971\" class=\"elementor elementor-1971\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-324534f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"324534f6\" 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-2c9a9e60 exad-glass-effect-no exad-sticky-section-no\" data-id=\"2c9a9e60\" 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-752c40f7 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"752c40f7\" 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;player1975&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_2023-11-24T12_56_01_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-251a04c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"251a04c5\" 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-4783dcc1 exad-glass-effect-no exad-sticky-section-no\" data-id=\"4783dcc1\" 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-20d1f9d2 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"20d1f9d2\" 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;\">V\u00a0tomto \u010dl\u00e1nku v\u00e1m pribl\u00ed\u017eime kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo, ak\u00e9 <\/span><b>n\u00e1hradn\u00e9 vozidlo<\/b><span style=\"font-weight: 400;\"> v\u00e1m <\/span><b>pois\u0165ov\u0148a<\/b><span style=\"font-weight: 400;\"> akceptuje a\u00a0<\/span><b>preplat\u00ed<\/b><span style=\"font-weight: 400;\">, na ak\u00fa dobu, \u010di je rozdiel pri n\u00e1hradnom vozidle z\u00a0<\/span><b>PZP<\/b><span style=\"font-weight: 400;\"> alebo <\/span><b>havarijn\u00e9ho<\/b><span style=\"font-weight: 400;\"> poistenia, \u010do s\u00fa to prev\u00e1dzkov\u00e9 n\u00e1klady a\u00a0ich odpo\u010det.<\/span><\/p><p><span style=\"font-weight: 400;\">Uk\u00e1\u017eeme si aj pr\u00edklady toho, ako pois\u0165ov\u0148a zvykne zamieta\u0165 plnenie za n\u00e1hradn\u00e9 vozidlo a\u00a0na z\u00e1ver v\u00e1m prezrad\u00edme ako sa <\/span><b>vyhnete nepreplateniu <\/b><span style=\"font-weight: 400;\">\u010di kr\u00e1teniu plnenia zo <\/span><b>strany pois\u0165ovne.<\/b><\/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-33e27622 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"33e27622\" 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\">Kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26c183b2 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"26c183b2\" 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;\">V pr\u00edpade,<\/span><b> \u017ee ste mali nehodu <\/b><span style=\"font-weight: 400;\">a pois\u0165ov\u0148a \u0161kodu na vozidle ozna\u010dila <\/span><b>ako\u00a0<\/b><a href=\"https:\/\/aider.sk\/en\/co-je-parcialna-skoda\/\"><b>parci\u00e1lnu \u0161kodu<\/b><\/a><b> alebo tot\u00e1lnu \u0161kodu, <\/b><b>m\u00e1te n\u00e1rok na pren\u00e1jom n\u00e1hradn\u00e9ho vozidla.<\/b><\/p><p><span style=\"font-weight: 400;\">\u00a0Pri \u0161kod\u00e1ch z<\/span><b>\u00a0PZP<\/b><span style=\"font-weight: 400;\"> m\u00e1te <\/span><b>automaticky<\/b><span style=\"font-weight: 400;\"> n\u00e1rok na n\u00e1hradn\u00e9 vozidlo, pri \u0161kod\u00e1ch z\u00a0<\/span><b>HP<\/b><span style=\"font-weight: 400;\">, ak je n\u00e1hradn\u00e9 vozidlo <\/span><b>pripoisten\u00e9 v\u00a0poistnej zmluve<\/b><span style=\"font-weight: 400;\">.<\/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-6667f461 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"6667f461\" 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-1cca3d32 exad-glass-effect-no exad-sticky-section-no\" data-id=\"1cca3d32\" 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-6d9e92de exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"6d9e92de\" 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\">Ak\u00e9 n\u00e1hradn\u00e9 vozidlo v\u00e1m pois\u0165ov\u0148a preplat\u00ed?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4560bcfe exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"4560bcfe\" 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;\">V z\u00e1sade plat\u00ed, \u017ee n\u00e1hradn\u00e9 vozidlo pri parci\u00e1lnej \u0161kode pois\u0165ov\u0148a preplat\u00ed v plnej v\u00fd\u0161ke za predpokladu, \u017ee sa jedn\u00e1 o\u00a0<\/span><b>porovnate\u013en\u00e9<\/b><span style=\"font-weight: 400;\">\u00a0vozidlo, \u010di\u017ee vozidlo v takej triede, ak\u00e9 v\u00e1m bolo po\u0161koden\u00e9. Pois\u0165ov\u0148a by v\u00e1m mala akceptova\u0165 aj n\u00e1hradn\u00e9 vozidlo ni\u017e\u0161ej triedy, ako to, ktor\u00e9 v\u00e1m bolo po\u0161koden\u00e9<\/span><b>\u00a0<\/b><span style=\"font-weight: 400;\">.<\/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-403c02f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"403c02f3\" 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-40af9fa exad-glass-effect-no exad-sticky-section-no\" data-id=\"40af9fa\" 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-2fb68aa5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"2fb68aa5\" 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\">D\u013a\u017eka pren\u00e1jmu n\u00e1hradn\u00e9ho vozidla pri parci\u00e1lnej \u0161kode<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21025613 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"21025613\" 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;\">Na z\u00e1klade na\u0161ich sk\u00fasenost\u00ed vieme, \u017ee pois\u0165ov\u0148a by v\u00e1m mala bez v\u00e4\u010d\u0161\u00edch komplik\u00e1cii uhradi\u0165 n\u00e1hradn\u00e9 vozidlo pri parci\u00e1lnej \u0161kode vo v\u00fd\u0161ke, ktor\u00e1\u00a0<\/span><b>zodpoved\u00e1 d\u013a\u017eke opravy<\/b><span style=\"font-weight: 400;\">. To znamen\u00e1, \u017ee na z\u00e1klade toho, ko\u013eko hod\u00edn opravy je potrebn\u00e9 na opravu po\u0161kodenia, to\u013eko dn\u00ed v\u00e1m bud\u00fa akceptova\u0165 zapo\u017ei\u010danie n\u00e1hradn\u00e9ho vozidla, pri\u010dom sa predpoklad\u00e1, \u017ee pracovn\u00fd \u010das v servise je osem hod\u00edn. Ak bude napr\u00edklad potrebn\u00fdch osem hod\u00edn na opravu vozidla v zmysle kalkul\u00e1cie, ktor\u00e1 je vypracovan\u00e1 pod\u013ea normovan\u00fdch hod\u00edn v\u00fdrobcom, pois\u0165ov\u0148a v\u00e1m preplat\u00ed jeden de\u0148.<\/span><\/p><p><span style=\"font-weight: 400;\">Niektor\u00e9 pois\u0165ovne \u010dastokr\u00e1t nezoh\u013ead\u0148uj\u00fa objekt\u00edvne prek\u00e1\u017eky, technologick\u00e9 povinn\u00e9 prest\u00e1vky, pr\u00edpadne vy\u0165a\u017eenos\u0165 servisu a person\u00e1lne kapacity servisu.<\/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-6ec51b55 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"6ec51b55\" 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-67e40372 exad-glass-effect-no exad-sticky-section-no\" data-id=\"67e40372\" 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-dfb3c9a exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"dfb3c9a\" 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 prenajat\u00ed n\u00e1hradn\u00e9ho vozidla<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35d69d85 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"35d69d85\" 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\u00a0<\/span><b>PZP<\/b><span style=\"font-weight: 400;\">\u00a0sa v\u00e1m m\u00e1 dosta\u0165 \u00fahrada\u00a0<\/span><b>skuto\u010dnej \u0161kody<\/b><span style=\"font-weight: 400;\">, \u010di\u017ee v\u0161etky n\u00e1klady, ktor\u00e9 boli potrebn\u00e9 na to, aby ste si zachovali rovnak\u00fd \u017eivotn\u00fd \u0161tandard. Z uveden\u00e9ho vypl\u00fdva, \u017ee n\u00e1roky na n\u00e1hradn\u00e9 vozidlo musia by\u0165 vyplaten\u00e9 od d\u0148a vzniku poistnej udalosti a\u017e do doby, kedy ste si boli schopn\u00fd prevzia\u0165 vozidlo zo servisu po jeho oprave.<\/span><\/p><p><span style=\"font-weight: 400;\">Pri\u00a0<\/span><b>havarijnom poisten\u00ed<\/b><span style=\"font-weight: 400;\">\u00a0m\u00e1te n\u00e1rok na \u00fahradu n\u00e1kladov za n\u00e1hradn\u00e9 vozidlo v zmysle v\u0161eobecn\u00fdch poistn\u00fdch podmienok, ktor\u00e9 m\u00e1 ka\u017ed\u00e1 pois\u0165ov\u0148a r\u00f4zne.<\/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-1bf02d2a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"1bf02d2a\" 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-52256b2e exad-glass-effect-no exad-sticky-section-no\" data-id=\"52256b2e\" 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-35fa050c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"35fa050c\" 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\">Odpo\u010det prev\u00e1dzkov\u00fdch n\u00e1kladov<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36eac1aa exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"36eac1aa\" 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;\">Aby pois\u0165ov\u0148a u\u0161etrila, je vysok\u00e1 pravdepodobnos\u0165, \u017ee v\u00e1m odpo\u010d\u00edta tzv.\u00a0<\/span><b>prev\u00e1dzkov\u00e9 n\u00e1klady za n\u00e1hradn\u00e9 vozidlo<\/b><span style=\"font-weight: 400;\">. Jedn\u00e1 sa o \u010diastku, o ktor\u00fa by sa v\u00e1m zn\u00ed\u017eila hodnota v\u00e1\u0161ho vozidla, keby ste rovnak\u00fd po\u010det kilometrov najazdili na vozidle, ktor\u00e9 je vo va\u0161om vlastn\u00edctve.<\/span><\/p><p><span style=\"font-weight: 400;\">Predstavte si situ\u00e1ciu, \u017ee na n\u00e1hradnom vozidle, ktor\u00e9ho pren\u00e1jom zaplat\u00ed pois\u0165ov\u0148a, najazd\u00edte 20 000 kilometrov. Keby ste tak\u00fd ist\u00fd po\u010det kilometrov najazdili na svojom vozidle, zn\u00ed\u017eila by sa jeho hodnota. Takto sa zn\u00ed\u017ei hodnota majetku autopo\u017ei\u010dovne, \u010do pois\u0165ov\u0148a zaplat\u00ed vo forme fakt\u00fary za pren\u00e1jom n\u00e1hradn\u00e9ho vozidla.<\/span><\/p><p><span style=\"font-weight: 400;\">Sporn\u00e1 m\u00f4\u017ee zosta\u0165\u00a0<\/span><b>v\u00fd\u0161ka odpo\u010d\u00edtan\u00fdch prev\u00e1dzkov\u00fdch n\u00e1kladov<\/b><span style=\"font-weight: 400;\">. V\u00fdpo\u010det je op\u00e4\u0165 komplikovan\u00fd, preto\u017ee okrem amortiz\u00e1cie vozidla, \u010di\u017ee zn\u00ed\u017eenie technickej hodnoty vozidla, treba zapo\u010d\u00edta\u0165 aj zn\u00ed\u017eenie v\u0161eobecnej hodnoty vozidla. Je to pokles hodnoty vozidla vplyvom plynutia \u010dasu, \u010do pri dlhodobom pren\u00e1jme (napr\u00edklad \u0161tyri mesiace) je u\u017e postrehnute\u013en\u00e9.<\/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-35697444 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"35697444\" 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-5534f171 exad-glass-effect-no exad-sticky-section-no\" data-id=\"5534f171\" 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-67f4709b exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"67f4709b\" 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\", \"duration-200\",\"hover:text-white\",\"hover:ease-in-out\",\n                     \"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            } else if (results[step]) {\n                redirectToResult(results[step]);\n            } else {\n                questionElement.innerHTML = questions[step].question;\n                questions[step].options.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\",\n                    \"font-medium\", \"text-white\",\"bg-transparent\", \"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-588b7454 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"588b7454\" 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-41a2452 exad-glass-effect-no exad-sticky-section-no\" data-id=\"41a2452\" 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-4bcc8c47 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"4bcc8c47\" 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\">\nUk\u00e1\u017eky ako pois\u0165ovne zamietaj\u00fa n\u00e1hradn\u00e9 vozidl\u00e1\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0ca65e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"2c0ca65e\" 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;\">Deje sa naozaj v\u00fdnimo\u010dne, \u017ee pois\u0165ov\u0148a preplat\u00ed bez probl\u00e9mov n\u00e1hradn\u00e9 vozidlo, v\u00a0tom lep\u0161om pr\u00edpade plnenie aspo\u0148 kr\u00e1ti, v\u00a0tom hor\u0161om pr\u00edpade zamietne plnenie \u00faplne.\u00a0<\/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<div class=\"elementor-element elementor-element-4195816 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"4195816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"605\" height=\"855\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1.png\" class=\"attachment-large size-large wp-image-1972\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1.png 605w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-212x300.png 212w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-8x12.png 8w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok1-600x848.png 600w\" sizes=\"(max-width: 605px) 100vw, 605px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63024d8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"63024d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"605\" height=\"856\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv.png\" class=\"attachment-large size-large wp-image-1973\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv.png 605w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-212x300.png 212w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-8x12.png 8w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok2-nv-600x849.png 600w\" sizes=\"(max-width: 605px) 100vw, 605px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e644e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"1e644e7\" 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-5dfd474 exad-glass-effect-no exad-sticky-section-no\" data-id=\"5dfd474\" 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-1e7888b exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"1e7888b\" 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 zbavi\u0165 rizika nepreplatenia \u010di kr\u00e1tenie n\u00e1hradn\u00e9ho vozidla pois\u0165ov\u0148ou?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3bd17c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"a3bd17c\" 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;\">Pokia\u013e sa rozhodnete vyu\u017ei\u0165 slu\u017ebu <a href=\"https:\/\/aider.sk\/en\/nahradne-vozidlo\/\">\u00a0n\u00e1\u0161ho n\u00e1hradn\u00e9ho vozidla <\/a><\/span><span style=\"font-weight: 400;\">\u00a0pred\u00eddete ak\u00fdmko\u013evek komplik\u00e1ci\u00e1m. Vozidlo v\u00e1m po\u017ei\u010diame bez toho, aby ste museli plati\u0165 jeho pren\u00e1jom a situ\u00e1ciu s pois\u0165ov\u0148ou dorie\u0161ime za v\u00e1s na na\u0161e n\u00e1klady a zodpovednos\u0165.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">V pr\u00edpade, ak u\u017e ste n\u00e1hradn\u00e9 vozidlo mali zapo\u017ei\u010dan\u00e9 a pois\u0165ov\u0148a v\u00e1m ho odmietla preplati\u0165 alebo odmietla preplati\u0165 \u010das\u0165 n\u00e1kladov, tak n\u00e1s nev\u00e1hajte oslovi\u0165 , vym\u00f4\u017eeme v\u00e1\u0161 doplatok od pois\u0165ovne a vy z\u00edskate v\u0161etko na \u010do m\u00e1te n\u00e1rok.\u00a0<\/span><\/p><p>Zanechajte n\u00e1m v\u00e1\u0161 kontakt alebo n\u00e1s kontaktujte priamo a my v\u00e1m poskytneme rie\u0161enia.<\/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-d1dac54 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"d1dac54\" 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-2cfe0b3 exad-glass-effect-no exad-sticky-section-no\" data-id=\"2cfe0b3\" 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-016393a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"016393a\" 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-958dd85 exad-glass-effect-no exad-sticky-section-no\" data-id=\"958dd85\" 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-7e164fc exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"7e164fc\" 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-2f4b5dd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"2f4b5dd\" 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-2409\" class=\"forminator-custom-form forminator-custom-form-2409\" method=\"post\" data-forminator-render=\"0\" data-uid=\"6a120a915c999\" 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-4786144 exad-glass-effect-no exad-sticky-section-no\" data-id=\"4786144\" 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-b091e43 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"b091e43\" 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-8a6a41f exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"8a6a41f\" 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-5ad7185 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"5ad7185\" 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\u00a0tomto \u010dl\u00e1nku v\u00e1m pribl\u00ed\u017eime kedy je mo\u017en\u00e9 vyu\u017ei\u0165 n\u00e1hradn\u00e9 vozidlo, ak\u00e9 n\u00e1hradn\u00e9 vozidlo v\u00e1m pois\u0165ov\u0148a akceptuje a\u00a0preplat\u00ed, na ak\u00fa dobu, \u010di je rozdiel pri n\u00e1hradnom vozidle z\u00a0PZP alebo havarijn\u00e9ho poistenia, \u010do s\u00fa to prev\u00e1dzkov\u00e9 n\u00e1klady a\u00a0ich odpo\u010det. Uk\u00e1\u017eeme si aj pr\u00edklady toho, ako pois\u0165ov\u0148a zvykne zamieta\u0165 plnenie za n\u00e1hradn\u00e9 vozidlo a\u00a0na z\u00e1ver v\u00e1m prezrad\u00edme ako [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1164,"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-1971","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\/1971","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=1971"}],"version-history":[{"count":0,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1971\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media\/1164"}],"wp:attachment":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}