{"id":1980,"date":"2023-11-24T14:02:39","date_gmt":"2023-11-24T13:02:39","guid":{"rendered":"https:\/\/aider.sk\/?p=1980"},"modified":"2024-12-03T22:07:23","modified_gmt":"2024-12-03T20:07:23","slug":"znizenie-hodnoty-vozidla-vplyvom-nehody","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/znizenie-hodnoty-vozidla-vplyvom-nehody\/","title":{"rendered":"ZN\u00cd\u017dENIE HODNOTY VOZIDLA VPLYVOM NEHODY"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1980\" class=\"elementor elementor-1980\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-325a2ffe elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"325a2ffe\" 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-652c2bac exad-glass-effect-no exad-sticky-section-no\" data-id=\"652c2bac\" 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-149294a7 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"149294a7\" 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;player1988&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_58_29_Bella_pre_s50_sb75_se0_b_m2.mp3&quot;,&quot;poster&quot;:&quot;&quot;,&quot;title&quot;:&quot;Audio Title&quot;,&quot;artist&quot;:&quot;Author Name&quot;,&quot;color&quot;:&quot;#fff&quot;,&quot;textColor&quot;:&quot;#fff&quot;,&quot;primaryColor&quot;:&quot;#195FF5&quot;,&quot;hoverColor&quot;:&quot;#00B3FF&quot;,&quot;skin&quot;:&quot;Default&quot;,&quot;repeat&quot;:false,&quot;autoplay&quot;:false,&quot;isSticky&quot;:false,&quot;muted&quot;:false,&quot;loader&quot;:false,&quot;saveState&quot;:false,&quot;disablePause&quot;:false,&quot;seekTime&quot;:10,&quot;startTime&quot;:0,&quot;download&quot;:true,&quot;width&quot;:&quot;100%&quot;,&quot;radius&quot;:&quot;10px&quot;,&quot;controls&quot;:{&quot;play&quot;:true,&quot;progress&quot;:true,&quot;duration&quot;:true,&quot;mute&quot;:true,&quot;volume&quot;:true,&quot;settings&quot;:true},&quot;CSS&quot;:&quot;&quot;,&quot;i18n&quot;:{&quot;restart&quot;:&quot;Restart&quot;,&quot;rewind&quot;:&quot;Rewind {seektime}s&quot;,&quot;play&quot;:&quot;Play&quot;,&quot;pause&quot;:&quot;Pause&quot;,&quot;fastForward:&quot;:&quot;Forward {seektime}s&quot;,&quot;seek&quot;:&quot;Seek&quot;,&quot;seekLabel&quot;:&quot;{currentTime} of {duration}&quot;,&quot;played&quot;:&quot;Played&quot;,&quot;buffered&quot;:&quot;Buffered&quot;,&quot;currentTime:&quot;:&quot;Current time&quot;,&quot;duration&quot;:&quot;Duration&quot;,&quot;volume&quot;:&quot;Volume&quot;,&quot;mute&quot;:&quot;Mute&quot;,&quot;unmute&quot;:&quot;Unmute&quot;,&quot;enableCaptions&quot;:&quot;Enable captions&quot;,&quot;disableCaptions&quot;:&quot;Disable captions&quot;,&quot;download&quot;:&quot;Download&quot;,&quot;enterFullscreen&quot;:&quot;Enter fullscreen&quot;,&quot;exitFullscreen&quot;:&quot;Exit fullscreen&quot;,&quot;frameTitle&quot;:&quot;Player for {title}&quot;,&quot;captions&quot;:&quot;Captions&quot;,&quot;settings&quot;:&quot;Settings&quot;,&quot;pip&quot;:&quot;PIP&quot;,&quot;menuBack&quot;:&quot;Go back to previous menu&quot;,&quot;speed&quot;:&quot;Speed&quot;,&quot;normal&quot;:&quot;Normal&quot;,&quot;quality&quot;:&quot;Quality&quot;,&quot;loop&quot;:&quot;Loop&quot;,&quot;start&quot;:&quot;Start&quot;,&quot;end&quot;:&quot;End&quot;,&quot;all&quot;:&quot;All&quot;,&quot;reset&quot;:&quot;Reset&quot;,&quot;disabled&quot;:&quot;Disabled&quot;,&quot;enabled&quot;:&quot;Enabled&quot;,&quot;advertisement&quot;:&quot;Ad&quot;,&quot;qualityBadge&quot;:{&quot;2160&quot;:&quot;4K&quot;,&quot;1440&quot;:&quot;HD&quot;,&quot;1080&quot;:&quot;HD&quot;,&quot;720&quot;:&quot;HD&quot;,&quot;576&quot;:&quot;SD&quot;,&quot;480&quot;:&quot;SD&quot;}},&quot;controlColor&quot;:&quot;#4a5464&quot;,&quot;preload&quot;:&quot;metadata&quot;,&quot;speed&quot;:{&quot;selected&quot;:1,&quot;speed&quot;:[&quot;0.5&quot;,&quot; 0.75&quot;,&quot; 1&quot;,&quot; 1.25&quot;,&quot; 1.5&quot;,&quot; 1.75&quot;,&quot; 2&quot;,&quot; 4&quot;,&quot; 8&quot;]},&quot;multiple_audio&quot;:false,&quot;defaultValue&quot;:{&quot;Default&quot;:{&quot;primaryColor&quot;:&quot;#4A5464&quot;,&quot;controlColor&quot;:&quot;#4A5464&quot;,&quot;bgColor&quot;:&quot;#F5F5F5&quot;},&quot;Fusion&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;controlColor&quot;:&quot;#fff&quot;},&quot;Stamp&quot;:{&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;},&quot;Wave&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Card-1&quot;:{&quot;primaryColor&quot;:&quot;#fff&quot;,&quot;controlColor&quot;:&quot;#161616&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Card-2&quot;:{&quot;primaryColor&quot;:&quot;#00FBF3&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;},&quot;Simple-1&quot;:{&quot;primaryColor&quot;:&quot;#00dcff&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#00dcff&quot;},&quot;Simple-2&quot;:{&quot;primaryColor&quot;:&quot;#06F7FF00&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;},&quot;Player9&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#EDEFF2&quot;},&quot;Player10&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#EDEFF2&quot;},&quot;Player11&quot;:{&quot;primaryColor&quot;:&quot;#195FF6&quot;,&quot;controlColor&quot;:&quot;#fff&quot;,&quot;bgColor&quot;:&quot;#161616&quot;,&quot;textColor&quot;:&quot;#fff&quot;}},&quot;TrpContentRestriction&quot;:{&quot;restriction_type&quot;:&quot;exclude&quot;,&quot;selected_languages&quot;:[],&quot;panel_open&quot;:true}}\"\n    class=\"wp-block-h5ap-tailwind wp-block-h5ap-audioplayer\">\n    <\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-614351fb exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"614351fb\" 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;\">Predstavte si situ\u00e1ciu, kupujete vozidlo. Na v\u00fdber m\u00e1te dve identick\u00e9 vozidl\u00e1 za rovnak\u00fa cenu, pri\u010dom viete, \u017ee jedno bolo havarovan\u00e9 a\u00a0opraven\u00e9 a\u00a0druh\u00e9 nebolo nikdy havarovan\u00e9. Ktor\u00e9 by ste si zvolili?<\/span><\/p><p><span style=\"font-weight: 400;\">Odpove\u010f je zrejme ka\u017ed\u00e9mu jasn\u00e1, ale v\u00a0pr\u00edpade, ak by to havarovan\u00e9 bolo za v\u00fdhodnej\u0161iu cenu, u\u017e by ste zva\u017eovali jeho k\u00fapu.<\/span><\/p><p><span style=\"font-weight: 400;\">A\u00a0presne toto je zn\u00ed\u017eenie hodnoty vozidla po nehode, ktor\u00e9 si m\u00f4\u017eete uplat\u0148ova\u0165 proti pois\u0165ovni.<\/span><\/p><p><span style=\"font-weight: 400;\">V\u00a0tomto \u010dl\u00e1nku v\u00e1m pribl\u00ed\u017eime, o\u00a0ko\u013eko sa zn\u00ed\u017eila hodnota vozidla, kedy je mo\u017en\u00e9 po\u017eiada\u0165 o\u00a0\u00fahradu tak\u00e9hoto zn\u00ed\u017eenia.<\/span><\/p><p><span style=\"font-weight: 400;\">Ako vypl\u00fdva z\u00a0uveden\u00e9ho, zn\u00ed\u017eenie hodnoty vozidla vznik\u00e1 ka\u017edou nehodou, pri\u010dom v\u00fd\u0161ka zn\u00ed\u017eenia je z\u00e1visl\u00e1 od rozsahu po\u0161kodenia na vozidle. In\u00e9 je, ke\u010f je vymenen\u00fd iba n\u00e1razn\u00edk, in\u00e9 zase ke\u010f je pokriven\u00e1 \u010das\u0165 karos\u00e9rie.<\/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-5082c23e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"5082c23e\" 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-5b9db550 exad-glass-effect-no exad-sticky-section-no\" data-id=\"5b9db550\" 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-25af55bb exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"25af55bb\" 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\">V\u00fd\u0161ka zn\u00ed\u017eenia hodnoty vozidla vplyvom nehody<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16be5c5d exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"16be5c5d\" 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\u00fd\u0161ku zn\u00ed\u017eenia hodnoty vozidla vplyvom nehody determinuj\u00fa najm\u00e4 dva faktory. Vpl\u00fdva na to\u00a0<\/span><b>aktu\u00e1lna trhov\u00e1 hodnota vozidla v \u010dase vzniku udalosti<\/b><span style=\"font-weight: 400;\">\u00a0a\u00a0<\/span><b>vek vozidla<\/b><span style=\"font-weight: 400;\">\u00a0(po\u010det rokov od prvej evidencie).\u00a0V\u0161eobecnej hodnote v \u010dase vzniku poistnej udalosti sa venujeme v kateg\u00f3rii tot\u00e1lna \u0161koda, v \u010dl\u00e1nku\u00a0<\/span><a href=\"https:\/\/aider.sk\/en\/vypocet-vseobecnej-hodnoty-vozidla-pri-totalnej-skode\/\"><span style=\"font-weight: 400;\">V\u00fdpo\u010det v\u0161eobecnej hodnoty vozidla<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Na to, aby ste si vedeli predstavi\u0165 o ak\u00fa v\u00fd\u0161ku zn\u00ed\u017eenia hodnoty po nehode ide, si mus\u00edte\u00a0najsk\u00f4r zisti\u0165\u00a0<\/span><b>pribli\u017en\u00fa v\u0161eobecn\u00fa hodnotu v\u00e1\u0161ho vozidla<\/b><span style=\"font-weight: 400;\">. T\u00fa zist\u00edte tak, \u017ee si sprav\u00edte prieskum aktu\u00e1lnej ponuky vozidiel na webstr\u00e1nkach autobaz\u00e1rov, kde vyh\u013ead\u00e1te podobn\u00e9 vozidl\u00e1 tomu v\u00e1\u0161mu.<\/span><\/p><p><span style=\"font-weight: 400;\">A\u017e zist\u00edte v\u0161eobecn\u00fa hodnotu v\u00e1\u0161ho vozidla, m\u00f4\u017eete si vypo\u010d\u00edta\u0165 zn\u00ed\u017eenie hodnoty vozidla vplyvom nehody. To predstavuje percentu\u00e1lnu hodnotu v rozmedz\u00ed od 0% a\u017e po 5% zo v\u0161eobecnej hodnoty, v z\u00e1vislosti od toho, ak\u00e9 po\u0161kodenie vzniklo. Uveden\u00e9 rozmedzie vypl\u00fdva priamo zo z\u00e1kona, no prax m\u00f4\u017ee by\u0165 in\u00e1, a to v\u00fdhodnej\u0161ia pre v\u00e1s.<\/span><\/p><p><span style=\"font-weight: 400;\">Nako\u013eko sa v\u00e1m pri vzniku \u0161kody m\u00e1 uhradi\u0165 skuto\u010dn\u00e1 \u0161koda, v takomto pr\u00edpade nie je mo\u017en\u00e9 uplatni\u0165 v\u00fd\u0161ku zn\u00ed\u017eenia hodnoty vozidla iba na z\u00e1klade pr\u00e1vneho predpisu. Treba bra\u0165 do \u00favahy\u00a0aj\u00a0<\/span><b>objekt\u00edvne skuto\u010dnost\u00ed<\/b><span style=\"font-weight: 400;\">, ako napr\u00edklad reakcia trhu (potenci\u00e1lnych kupuj\u00facich) na to, v akom rozsahu bolo vozidlo po\u0161koden\u00e9.<\/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-31bae225 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"31bae225\" 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-63a4baae exad-glass-effect-no exad-sticky-section-no\" data-id=\"63a4baae\" 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-44757c48 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"44757c48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00edklad:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72ded4 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"b72ded4\" 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;\">Zoberte si situ\u00e1ciu, kedy si kupuj\u00faci vyber\u00e1 medzi dvomi identick\u00fdmi vozidlami. Vie v\u0161ak, \u017ee jedno vozidlo bolo havarovan\u00e9 a\u017e tak, \u017ee nosn\u00e9 \u010dasti karos\u00e9rie boli po\u0161koden\u00e9 a n\u00e1sledne bolo opraven\u00e9. O druhom vie, \u017ee po\u0161koden\u00e9 nikdy nebolo. Ke\u010f bud\u00fa obe vozidl\u00e1 za rovnak\u00fa cenu, predpoklad\u00e1me, \u017ee ka\u017ed\u00fd uprednostn\u00ed k\u00fapu nehavarovan\u00e9ho vozidla. Ak by v\u0161ak havarovan\u00e9 a opraven\u00e9 vozidlo bolo za\u00a0<\/span><b>ni\u017e\u0161iu cenu<\/b><span style=\"font-weight: 400;\">, zv\u00e1\u017eili by sme jeho k\u00fapu.<\/span><\/p><p><span style=\"font-weight: 400;\">Povedzme, \u017ee obe vozidl\u00e1 sa pred\u00e1vaj\u00fa za 10.000 EUR. V zmysle vyhl\u00e1\u0161ky je stanoven\u00e9 zn\u00ed\u017eenie hodnoty vplyvom nehody o maxim\u00e1lne 5%, \u010do predstavuje z uvedenej sumy, hodnotu 500 EUR. Skoro tot\u00e1lne zni\u010den\u00e9 vozidlo by tak malo ma\u0165 hodnotu 9 500 EUR. To v\u0161ak nie je dostato\u010dne v\u00fdrazn\u00e1 z\u013eava, ak berieme do \u00favahy to, \u017ee boli ohnut\u00e9 nosn\u00e9 \u010dasti karos\u00e9rie. V\u00e4\u010d\u0161ina \u013eud\u00ed si rad\u0161ej zak\u00fapi vozidlo, ktor\u00e9 nikdy nebolo havarovan\u00e9, aj ke\u010f o 500 EUR drah\u0161ie.<\/span><\/p><p><span style=\"font-weight: 400;\">Ak by v\u0161ak spom\u00ednan\u00e9 havarovan\u00e9 a opraven\u00e9 vozidlo bolo na predaj za 7.000 EUR, \u010di\u017ee so z\u013eavou 30%, u\u017e by sa na\u0161li z\u00e1ujemci o k\u00fapu. 3.000 EUR je tak v na\u0161om pr\u00edklade<\/span><b>\u00a0skuto\u010dn\u00e1 \u0161koda<\/b><span style=\"font-weight: 400;\">, ktor\u00fa si m\u00f4\u017eete proti pois\u0165ovni uplat\u0148ova\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-50300b43 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"50300b43\" 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-42902602 exad-glass-effect-no exad-sticky-section-no\" data-id=\"42902602\" 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-65736ca5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"65736ca5\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e0d0c2c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"1e0d0c2c\" 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;\">Tak ako aj v in\u00fdch pr\u00edpadoch, aj tu plat\u00ed, \u017ee z PZP sa uhr\u00e1dza \u0161koda v zmysle z\u00e1kona a z havarijn\u00e9ho poistenia, iba to, \u010do ste si dohodli v zmluve o havarijnom poisten\u00ed a tomu prisl\u00fachaj\u00facimi v\u0161eobecn\u00fdmi poistn\u00fdmi podmienkami. Inak povedan\u00e9, z havarijn\u00e9ho poistenia si tak\u00fdto n\u00e1rok uplatni\u0165 neviete, preto\u017ee to nie je pokryt\u00e9 <\/span><b>zmluvou, z PZP to v\u0161ak mo\u017en\u00e9\u00a0je.<\/b><\/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-5dc0f8b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"5dc0f8b1\" 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-7dbe2329 exad-glass-effect-no exad-sticky-section-no\" data-id=\"7dbe2329\" 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-51702c20 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"51702c20\" 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\u00e1 je prax v pois\u0165ovn\u00edctve?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd22dcf exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"6bd22dcf\" 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;\">Nie je be\u017en\u00e9, \u017ee v\u00e1m pois\u0165ov\u0148a sama od seba vyplat\u00ed plnenie za zn\u00ed\u017eenie hodnoty vozidla po dopravnej nehode. Pois\u0165ovne toto plnenie uhr\u00e1dzaj\u00fa na z\u00e1klade \u017eiadosti po\u0161koden\u00e9ho a\u00a0nie ka\u017ed\u00fd v\u00f4bec vie, \u017ee na nie\u010do tak\u00e9 m\u00e1 n\u00e1rok.<\/span><\/p><p><span style=\"font-weight: 400;\">V\u00a0pr\u00edpade, \u017ee ak aj pois\u0165ov\u0148a plnenie vyplat\u00ed, tak to zvy\u010dajne nie je suma, ktor\u00e1 zodpoved\u00e1 tomu, \u010do by v\u00a0skuto\u010dnosti mala vyplati\u0165.<\/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-103185b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"103185b6\" 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-3544aa14 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3544aa14\" 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-3be538e8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"3be538e8\" 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\">M\u00f4\u017ee by\u0165 rozdiel v hodnote zn\u00ed\u017eenia aj viac ako 5 000 EUR?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c62d879 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"5c62d879\" 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;\">Skuto\u010dn\u00e1 hodnota zn\u00ed\u017eenia vozidla je \u010dastokr\u00e1t omnoho vy\u0161\u0161ia, ako ju pois\u0165ov\u0148a vypo\u010d\u00edta. V\u00a0niektor\u00fdch pr\u00edpadoch m\u00f4\u017ee by\u0165 zn\u00ed\u017eenie aj 4-n\u00e1sobne vy\u0161\u0161ie, ako to, \u010do stanovila pois\u0165ov\u0148a.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Pr\u00edpad n\u00e1\u0161ho klienta je toho jasn\u00fdm d\u00f4kazom. Pois\u0165ov\u0148a toti\u017e klientovi uhradila p\u00f4vodne 1567,31 EUR za znehodnotenie vozidla. My sme v\u0161ak pois\u0165ovni dok\u00e1zali, \u017ee suma skuto\u010dn\u00e9ho znehodnotenia je mnohon\u00e1sobne vy\u0161\u0161ia.<\/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-658a8ba exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"658a8ba\" 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=\"724\" height=\"1024\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-724x1024.png\" class=\"attachment-large size-large wp-image-1986\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-724x1024.png 724w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-212x300.png 212w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-768x1087.png 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-1085x1536.png 1085w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-1447x2048.png 1447w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-8x12.png 8w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-1320x1868.png 1320w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-poistovna-600x849.png 600w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/>\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-f7d34cd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"f7d34cd\" 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;\">I\u0161lo o\u00a04 mesa\u010dn\u00e9 vozidlo ktor\u00e9 pri dopravnej nehode utrpelo rozsiahle po\u0161kodenia \u013eavej \u010dasti.<\/span><\/p><p><span style=\"font-weight: 400;\">Spravili sme simulovan\u00e9 dve dra\u017eby na rovnak\u00e9 vozidlo, pri\u010dom v\u00a0prvej dra\u017ebe sme nespomenuli, \u017ee vozidlo bolo u\u017e havarovan\u00e9. Vozidlo sa vydra\u017eilo za 23.100 EUR<\/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-9b34f72 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"9b34f72\" 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=\"1024\" height=\"418\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-1024x418.jpg\" class=\"attachment-large size-large wp-image-1983\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-1024x418.jpg 1024w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-300x122.jpg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-768x313.jpg 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-1536x626.jpg 1536w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-18x7.jpg 18w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-1320x538.jpg 1320w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1-600x245.jpg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c.-1.jpg 1655w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-51947f3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"51947f3\" 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=\"1024\" height=\"417\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-1024x417.jpg\" class=\"attachment-large size-large wp-image-1982\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-1024x417.jpg 1024w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-300x122.jpg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-768x312.jpg 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-1536x625.jpg 1536w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-18x7.jpg 18w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-1320x537.jpg 1320w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2-600x244.jpg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/Obrazok-c-2.jpg 1637w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-9db6a00 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"9db6a00\" 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;\">Po v\u00fdsledkoch prvej dra\u017eby sme urobili druh\u00fa dra\u017ebu na dan\u00e9 vozidlo, pri\u010dom sme dodali potenci\u00e1lnym kupuj\u00facim aj fotky z&nbsp;nehody, rozsah po\u0161kodenia a&nbsp;celkov\u00e9 n\u00e1klady na opravu s&nbsp;inform\u00e1ciou, \u017ee vozidlo je opraven\u00e9 a&nbsp;dolo\u017eili sme tie ist\u00e9 fotky, \u010do v&nbsp;prvej dra\u017ebe. V\u00fdsledkom bolo, \u017ee sa vozidlo vydra\u017eilo za sumu iba 17.050 EUR.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rozdiel v&nbsp;sume ktor\u00fa z\u00e1ujemci pon\u00fakli za vozidlo v&nbsp;jednotliv\u00fdch dra\u017eb\u00e1ch bol a\u017e 6.050 EUR.<\/span><\/p>\n<p><\/p>\n<p><span style=\"font-weight: 400;\">N\u00e1sledne sme vypracovali znaleck\u00fd posudok, ktor\u00fd preukazoval re\u00e1lnu sumu, o&nbsp;ktor\u00fa sa hodnota vozidla zn\u00ed\u017eila. Na z\u00e1klade toho pois\u0165ov\u0148a doplatila \u010fal\u0161\u00edch pribli\u017ene 1.500 EUR a&nbsp;zvy\u0161ok sme uplatnili na s\u00fade.<\/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-7f6ccf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"7f6ccf9\" 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-3b3ce77d exad-glass-effect-no exad-sticky-section-no\" data-id=\"3b3ce77d\" 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-634f17c9 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"634f17c9\" 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 zisti\u0165 skuto\u010dn\u00e9 zn\u00ed\u017eenie hodnoty vozidla?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e991a90 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"4e991a90\" 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\">\n<div class=\"de-row uk-container\" data-dahz-id=\"\">\n<div class=\"uk-grid uk-flex-1 uk-c-position-z-index-0 uk-grid-stack\" data-uk-grid=\"\">\n<div class=\"de-column uk-position-relative uk-width-1-1@m uk-first-column\" data-dahz-id=\"\">\n<div class=\"uk-flex uk-c-flex-stretch uk-width-1-1\">\n<div class=\"uk-width-1-1 uk-padding-remove\">\n<div class=\"uk-flex-1\">\n<div class=\"uk-margin\">\n<div class=\"de-textblock-wrapper\">\n<p><span style=\"font-weight: 400;\">Na z\u00e1klade dlhoro\u010dn\u00fdch sk\u00fasenost\u00ed presne vieme, ako pois\u0165ovni preuk\u00e1za\u0165 skuto\u010dn\u00e9 zn\u00ed\u017eenie hodnoty vozidla vplyvom dopravnej nehody.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spo\u013eahnite sa na n\u00e1s, vybav\u00edme za&nbsp; cel\u00fa situ\u00e1ciu s&nbsp;pois\u0165ov\u0148ou, zist\u00edme o&nbsp;ak\u00fa sumu skuto\u010dne bola zn\u00ed\u017een\u00e1 hodnota v\u00e1\u0161ho vozidla a zabezpe\u010d\u00edme aby pois\u0165ov\u0148a doplatila v\u0161etko, na \u010do m\u00e1te n\u00e1rok.<\/span><\/p><p><span style=\"font-weight: 400;\">Objednajte si konzult\u00e1ciu kde n\u00e1m poviete o svojom probl\u00e9me viac a my v\u00e1m poskytneme rie\u0161enie.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/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-1277f783 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"1277f783\" 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-16e9a633 exad-glass-effect-no exad-sticky-section-no\" data-id=\"16e9a633\" 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-52e7903e exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"52e7903e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1124\" class=\"elementor elementor-1124\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3df6b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"c3df6b4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a757381 exad-glass-effect-no exad-sticky-section-no\" data-id=\"a757381\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30f7376 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"30f7376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Konzultuje Va\u0161u poistn\u00fa udalos\u0165 <br>s nami<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7ddc1 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"0c7ddc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3701fe9 elementor-widget__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"3701fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Neobmedzen\u00e9 d\u013a\u017eky hovorov<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Neobmedzen\u00fd po\u010det volan\u00ed oh\u013eadom 1 poistnej udalosti<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inform\u00e1cie, ktor\u00e9 na internete nen\u00e1jdete<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Sk\u00fasenosti od roku 2015<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Garancia vr\u00e1tenia pe\u0148az\u00ed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94bb2bd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-exclusive-button\" data-id=\"94bb2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"exad-exclusive-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t<div class=\"exad-button-wrapper effect-2 exad-button-incon-before-text exad-button-fixed-height-no\">\r\n\r\n\t\t\t\r\n\t\t\t<a>\r\n\t\t\t\t\r\n\t\t\t\t<span>\r\n\t\t\t\t\tObjedna\u0165 konzult\u00e1ciu\t\t\t\t<\/span>\r\n\r\n\t\t\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3043a29 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3043a29\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b61a2e elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-image-hover-effect\" data-id=\"1b61a2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"exad-image-hover-effect.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"exad-ihe-wrapper\">\r\n                        <div class=\"exad-ihe-grid\">\r\n                <figure class=\"exad-ihe-figure effect-lily\">\r\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"715\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg\" class=\"attachment-large size-large wp-image-357\" alt=\"Juraj Rep\u010dok , konate\u013e\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg 1024w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-300x210.jpeg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-768x537.jpeg 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1320x922.jpeg 1320w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-600x419.jpeg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1.jpeg 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>                    <figcaption class=\"exad-ihe-figcaption\">\r\n                        <h2 class=\"exad-ihe-title\">\r\n                                                    <\/h2>\r\n                        <p class=\"exad-ihe-description\">Konzultujte Va\u0161u poistn\u00fa udalos\u0165 s nami<\/p>\r\n                    <\/figcaption>\r\n                <\/figure>\r\n            <\/div>\r\n                                <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Predstavte si situ\u00e1ciu, kupujete vozidlo. Na v\u00fdber m\u00e1te dve identick\u00e9 vozidl\u00e1 za rovnak\u00fa cenu, pri\u010dom viete, \u017ee jedno bolo havarovan\u00e9 a\u00a0opraven\u00e9 a\u00a0druh\u00e9 nebolo nikdy havarovan\u00e9. Ktor\u00e9 by ste si zvolili? Odpove\u010f je zrejme ka\u017ed\u00e9mu jasn\u00e1, ale v\u00a0pr\u00edpade, ak by to havarovan\u00e9 bolo za v\u00fdhodnej\u0161iu cenu, u\u017e by ste zva\u017eovali jeho k\u00fapu. A\u00a0presne toto je zn\u00ed\u017eenie [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1297,"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-1980","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\/1980","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=1980"}],"version-history":[{"count":1,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1980\/revisions"}],"predecessor-version":[{"id":4648,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/1980\/revisions\/4648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media\/1297"}],"wp:attachment":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media?parent=1980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/categories?post=1980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/tags?post=1980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}