{"id":2076,"date":"2023-11-28T11:37:57","date_gmt":"2023-11-28T10:37:57","guid":{"rendered":"https:\/\/aider.sk\/?p=2076"},"modified":"2024-12-03T22:07:23","modified_gmt":"2024-12-03T20:07:23","slug":"ako-sa-vyhnut-amortizacii","status":"publish","type":"post","link":"https:\/\/aider.sk\/en\/ako-sa-vyhnut-amortizacii\/","title":{"rendered":"AKO SA VYHN\u00da\u0164 AMORTIZ\u00c1CII"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2076\" class=\"elementor elementor-2076\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25721b06 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"25721b06\" 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-4f5d01a9 exad-glass-effect-no exad-sticky-section-no\" data-id=\"4f5d01a9\" 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-6af1246c exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"6af1246c\" 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;player2086&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_2023-11-28T10_43_02_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-c003291 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"c003291\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Audio \u00favod vytvoren\u00fd pomocou AI<\/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-d00ca2f exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"d00ca2f\" 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=\"1000\" height=\"925\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196.jpeg\" class=\"attachment-large size-large wp-image-2085\" alt=\"\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196.jpeg 1000w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-300x278.jpeg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-768x710.jpeg 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-13x12.jpeg 13w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/11\/expert-na-odskodnenie-juraj-repcok_aider-3-e1701167979196-600x555.jpeg 600w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\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-39ce4c19 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"39ce4c19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>To, \u017ee pois\u0165ovne zni\u017euj\u00fa poistn\u00e9 plnenia o takzvan\u00fa amortiz\u00e1ciu pri \u0161kodov\u00fdch udalostiach na motorov\u00fdch vozidl\u00e1ch nie je \u017eiadnou novinkou, ani tajomstvom.<\/b><\/p><p><span style=\"font-weight: 400;\">Niektor\u00e9 pois\u0165ovne u\u017e tzv. amortiz\u00e1ciu neodpo\u010d\u00edtavaj\u00fa, vzh\u013eadom na to, \u017ee sa nejedn\u00e1 o spr\u00e1vny postup pri n\u00e1hrade \u0161kody. Predsa sa aj v dne\u0161nej dobe n\u00e1jdu pois\u0165ovne, ktor\u00e9 t\u00fato polo\u017eku odpo\u010d\u00edtaj\u00fa po\u0161koden\u00e9mu z poistn\u00e9ho plnenia.<\/span><\/p><p><span style=\"font-weight: 400;\">V tomto \u010dl\u00e1nku si povieme, pre\u010do pois\u0165ovne zni\u017euj\u00fa plnenia o amortiz\u00e1ciu, ak\u00fd je n\u00e1zor s\u00fadu na t\u00fato problematiku a ako sa tak\u00e9muto zn\u00ed\u017eeniu vyhn\u00fa\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-294caa8e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"294caa8e\" 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-e739a6c exad-glass-effect-no exad-sticky-section-no\" data-id=\"e739a6c\" 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-6dd3a303 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"6dd3a303\" 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\">Amortiz\u00e1cia vs. zhodnotenie vozidla<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5236c3d5 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"5236c3d5\" 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, kde m\u00e1te dev\u00e4\u0165 ro\u010dn\u00e9 vozidlo, ktor\u00e9mu bol po\u0161koden\u00fd predn\u00fd n\u00e1razn\u00edk. Tento n\u00e1razn\u00edk mal p\u00f4vodne hodnotu 1 000 EUR. Po deviatich rokoch mu v\u0161ak hodnota klesla na 800 EUR, nako\u013eko u\u017e m\u00e1 svoj vek a vykazuje zn\u00e1mky opotrebovania.<\/span><\/p><p><span style=\"font-weight: 400;\">Servis v\u00e1m na star\u00e9 vozidlo namontuje nov\u00fd n\u00e1razn\u00edk, \u010d\u00edm z poh\u013eadu pois\u0165ovne do\u0161lo k zhodnoteniu v\u00e1\u0161ho vozidla o 200 EUR. Pokia\u013e by pois\u0165ov\u0148a uhradila servisu pln\u00fa sumu, teda 1 000 EUR, vy by ste z\u00edskali vy\u0161\u0161ie od\u0161kodnenie, ako v\u00e1m bola re\u00e1lne sp\u00f4soben\u00e1 \u0161koda.<\/span><\/p><p><span style=\"font-weight: 400;\">Kv\u00f4li tak\u00fdmto situ\u00e1ci\u00e1m pois\u0165ovne odpo\u010d\u00edtavaj\u00fa z poistn\u00e9ho plnenia zhodnotenie vozidla nov\u00fdmi dielmi (tzv. amortiz\u00e1ciu), aby ste sa bezd\u00f4vodne neobohatili vplyvom \u0161kodovej udalosti.<\/span><\/p><p><span style=\"font-weight: 400;\">Vy tak budete musie\u0165\u00a0<\/span><b>doplati\u0165<\/b><span style=\"font-weight: 400;\">\u00a0servisu rozdiel medzi plnen\u00edm, ktor\u00e9 poskytla pois\u0165ov\u0148a, a celkovou sumou opravy, \u010di\u017ee 200 EUR, inak v\u00e1m nemus\u00ed by\u0165 auto zo servisu vydan\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-537c4d5d elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"537c4d5d\" 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-604c8179 exad-glass-effect-no exad-sticky-section-no\" data-id=\"604c8179\" 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-63f93ac4 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"63f93ac4\" 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\">In\u00fd poh\u013ead na amortiz\u00e1ciu (zhodnotenie)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48053ae6 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"48053ae6\" 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 teraz situ\u00e1ciu, ke\u010f kupujete ojazden\u00e9 auto. Obe aut\u00e1 s\u00fa rovnak\u00e9 (zna\u010dka, typ, motoriz\u00e1cia\u2026), za t\u00fa ist\u00fa cenu. Viete v\u0161ak, \u017ee jedno z nich bolo havarovan\u00e9\u00a0(napr. menen\u00fd predn\u00fd n\u00e1razn\u00edk) a druh\u00e9 nebolo.<\/span><\/p><p><span style=\"font-weight: 400;\">Ktor\u00e9 auto by ste si k\u00fapili?<\/span><\/p><p><span style=\"font-weight: 400;\">Vzh\u013eadom na to, \u017ee obe aut\u00e1 s\u00fa za rovnak\u00fa cenu, pravdepodobne by si ka\u017ed\u00fd zvolil nehavarovan\u00e9, na ktorom je n\u00e1razn\u00edk p\u00f4vodn\u00fd. Pokia\u013e by v\u0161ak havarovan\u00e9 vozidlo bolo za v\u00fdhodnej\u0161iu cenu, mo\u017eno by ste\u00a0zv\u00e1\u017eili jeho k\u00fapu.<\/span><\/p><p><span style=\"font-weight: 400;\">Na z\u00e1klade pop\u00edsanej situ\u00e1cie vieme vyvodi\u0165 skuto\u010dnos\u0165, \u017ee v\u00fdmenou n\u00e1razn\u00edka sa\u00a0<\/span><b>nejedn\u00e1 o zhodnotenie vozidla<\/b><span style=\"font-weight: 400;\">, sk\u00f4r o jeho\u00a0<\/span><b><a href=\"https:\/\/aider.sk\/en\/znizenie-hodnoty-vozidla-vplyvom-nehody\/\">znehodnotenie.<\/a><\/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-6d75396f elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"6d75396f\" 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-8d78404 exad-glass-effect-no exad-sticky-section-no\" data-id=\"8d78404\" 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-7763aa1a exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"7763aa1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u010co hovor\u00ed s\u00fadna prax?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-320b1df2 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"320b1df2\" 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;\">Pod\u013ea z\u00e1veru odvolacieho s\u00fadu\u00a0\u201e\u2026\u017ealovan\u00fd a ved\u013eaj\u0161\u00ed \u00fa\u010dastn\u00edk \u017ealovan\u00e9ho nepreuk\u00e1zali, \u017ee vykonan\u00edm opravy havarovan\u00e9ho vozidla pou\u017eit\u00edm nov\u00fdch n\u00e1hradn\u00fdch dielov, by sa zv\u00fd\u0161ila majetkov\u00e1 hodnota tohto vozidla. V kone\u010dnom d\u00f4sledku v zmysle pr\u00e1vnej \u00fapravy nemo\u017eno ani spravodlivo po\u017eadova\u0165, aby \u017ealobca, ktor\u00fd bol po\u0161koden\u00fd, zabezpe\u010doval opravu vozidla in\u00fdm sp\u00f4sobom, ne\u017e pou\u017eit\u00edm nov\u00fdch n\u00e1hradn\u00fdch dielov, ktor\u00e9 smeruj\u00fa len k odstr\u00e1neniu n\u00e1sledkov \u0161kodovej udalosti.\u201c<\/span><\/p><p><i><span style=\"font-weight: 400;\">Zdroj: Najvy\u0161\u0161\u00ed s\u00fad Slovenskej republiky<\/span><\/i><\/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-124bcf0e elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"124bcf0e\" 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-65e4cce3 exad-glass-effect-no exad-sticky-section-no\" data-id=\"65e4cce3\" 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-49ca7ed exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"49ca7ed\" 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\">Ktor\u00e9 pois\u0165ovne e\u0161te amortiz\u00e1ciu pri PZP odpo\u010d\u00edtavaj\u00fa?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-328517c3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"328517c3\" 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;\">V r\u00e1mci vlastn\u00e9ho prieskumu sme do viacer\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 poskytuj\u00fa poistenie PZP na na\u0161om \u00fazem\u00ed, zaslali jednoduch\u00fa ot\u00e1zku, kde sme sa p\u00fdtali, \u010di odpo\u010d\u00edtavaj\u00fa amortiz\u00e1ciu z poistn\u00fdch plnen\u00ed vypl\u00e1can\u00fdch z PZP. Odpovede n\u00e1s zasko\u010dili.<\/span><\/p><p><span style=\"font-weight: 400;\">Pod\u013ea vyjadren\u00ed pois\u0165ovn\u00ed, by mali na Slovensku p\u00f4sobi\u0165 iba dve pois\u0165ovne, ktor\u00e9 v dne\u0161nej dobe amortiz\u00e1ciu z povinn\u00e9ho zmluvn\u00e9ho poistenia odpo\u010d\u00edtavaj\u00fa. Porovnajme si v\u0161ak vyjadrenia so skuto\u010dnos\u0165ou.<\/span><\/p><p><span style=\"font-weight: 400;\">Pod\u013ea\u00a0UNIQA pois\u0165ovne\u00a0amortiz\u00e1ciu z plnen\u00ed pri PZP\u00a0<\/span><b>neodpo\u010d\u00edtavaj\u00fa<\/b><span style=\"font-weight: 400;\">. Ako ste v\u0161ak mali mo\u017enos\u0165 vidie\u0165, n\u00e1\u0161mu klientovi amortiz\u00e1ciu z PZP pois\u0165ov\u0148a\u00a0<\/span><b>odpo\u010d\u00edtala<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Allianz \u2013 Slovensk\u00e1 pois\u0165ov\u0148a\u00a0vyhl\u00e1sila, \u017ee od 1.12.2013 amortiz\u00e1ciu prestane uplat\u0148ova\u0165. Tu sa ale naskyt\u00e1 ot\u00e1zka, \u010di po\u0161koden\u00fdm \u00fa\u010dastn\u00edkom dopravnej nehody pred t\u00fdmto d\u00e1tumom nekr\u00e1tila poistn\u00e9 plnenie o amortiz\u00e1ciu\u00a0<\/span><b>neopr\u00e1vnene<\/b><span style=\"font-weight: 400;\">. Predsa v zmysle z\u00e1kona o PZP sa uhr\u00e1dza \u0161koda, ktor\u00e1 po\u0161koden\u00e9mu na jeho vozidle vznikla, pri\u010dom v\u00fd\u0161ka \u0161kody je v\u017edy \u201eiba jedna\u201c a nie je z\u00e1visl\u00e1 od toho, ako sa vedenie pois\u0165ovne rozhodne.<\/span><\/p><p><span style=\"font-weight: 400;\">Z vyjadrenia\u00a0Komun\u00e1lnej pois\u0165ovne\u00a0vypl\u00fdva, \u017ee amortiz\u00e1ciu z PZP tie\u017e\u00a0<\/span><b>neodpo\u010d\u00edtavaj\u00fa<\/b><span style=\"font-weight: 400;\">. Podobn\u00fa odpove\u010f sme dostali aj od pois\u0165ovne\u00a0Generali\u00a0a\u00a0\u010cSOB pois\u0165ovne.<\/span><\/p><p><span style=\"font-weight: 400;\">Na druhej strane\u00a0Union pois\u0165ov\u0148a\u00a0amortiz\u00e1ciu pri poistn\u00fdch plneniach z PZP\u00a0<\/span><b>uplat\u0148uje<\/b><span style=\"font-weight: 400;\">, presne tak, ako aj\u00a0W\u00fcstenrot pois\u0165ov\u0148a.<\/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-3e558970 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"3e558970\" 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-5ff6760b exad-glass-effect-no exad-sticky-section-no\" data-id=\"5ff6760b\" 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-21bd03b3 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"21bd03b3\" 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                    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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 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<\/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-5a92cc73 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"5a92cc73\" 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-6eca5b58 exad-glass-effect-no exad-sticky-section-no\" data-id=\"6eca5b58\" 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-76b5ee8 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"76b5ee8\" 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 br\u00e1ni\u0165?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46374934 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"46374934\" 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;\">Ako sa br\u00e1ni\u0165 v pr\u00edpade, \u017ee v\u00e1m pois\u0165ov\u0148a zn\u00ed\u017eila poistn\u00e9 plnenie o amortiz\u00e1ciu?<\/span><\/p><p><span style=\"font-weight: 400;\">Prv\u00fdm krokom je s pois\u0165ov\u0148ou komunikova\u0165, ide\u00e1lne p\u00edsomne. Odpor\u00fa\u010dame nap\u00edsa\u0165 do pois\u0165ovne v\u00fdzvu na doplatenie poistn\u00e9ho plnenia. V nej uve\u010fte, \u017ee va\u0161e vozidlo vplyvom opravy, ktor\u00e1 smerovala k odstr\u00e1neniu n\u00e1sledkov \u0161kodovej udalosti, nemala za n\u00e1sledok zv\u00fd\u0161enie hodnoty vozidla, pr\u00e1ve naopak. Na z\u00e1klade tejto skuto\u010dnosti m\u00f4\u017eete vyzva\u0165 pois\u0165ov\u0148u k doplateniu rozdielu medzi u\u017e vyplaten\u00fdm poistn\u00fdm plnen\u00edm a celkov\u00fdmi n\u00e1kladmi na opravu.<\/span><\/p><p><span style=\"font-weight: 400;\">Nezaru\u010dujeme v\u00e1m, \u017ee reakcia pois\u0165ovne bude bezprobl\u00e9mov\u00e1 a\u00a0po va\u0161ej v\u00fdzve uhradia \u010do maj\u00fa, sk\u00f4r naopak.<\/span><\/p><p><span style=\"font-weight: 400;\">My v\u00e1m v\u0161ak vieme zaru\u010di\u0165, \u017ee po rokoch sk\u00fasenost\u00ed u\u017e v\u00a0pois\u0165ovniach m\u00e1me meno a\u00a0vieme ako zabezpe\u010di\u0165 doplatenie rozdielu.<\/span><\/p><p><span style=\"font-weight: 400;\">Konzultujte s\u00a0nami v\u00e1\u0161 pr\u00edpad, a\u00a0my pre v\u00e1s bez toho, aby ste museli \u010doko\u013evek dopl\u00e1ca\u0165 vyrie\u0161ime va\u0161u situ\u00e1ciu s\u00a0pois\u0165ov\u0148ou.<\/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-75c4d16a elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"75c4d16a\" 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-32062247 exad-glass-effect-no exad-sticky-section-no\" data-id=\"32062247\" 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-3897634f exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-shortcode\" data-id=\"3897634f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1124\" class=\"elementor elementor-1124\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3df6b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default exad-glass-effect-no exad-sticky-section-no\" data-id=\"c3df6b4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a757381 exad-glass-effect-no exad-sticky-section-no\" data-id=\"a757381\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30f7376 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"30f7376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Konzultuje Va\u0161u poistn\u00fa udalos\u0165 <br>s nami<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7ddc1 elementor-widget-divider--view-line exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-divider\" data-id=\"0c7ddc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3701fe9 elementor-widget__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-icon-list\" data-id=\"3701fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Neobmedzen\u00e9 d\u013a\u017eky hovorov<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Neobmedzen\u00fd po\u010det volan\u00ed oh\u013eadom 1 poistnej udalosti<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inform\u00e1cie, ktor\u00e9 na internete nen\u00e1jdete<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Sk\u00fasenosti od roku 2015<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Garancia vr\u00e1tenia pe\u0148az\u00ed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94bb2bd exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-exclusive-button\" data-id=\"94bb2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"exad-exclusive-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t<div class=\"exad-button-wrapper effect-2 exad-button-incon-before-text exad-button-fixed-height-no\">\r\n\r\n\t\t\t\r\n\t\t\t<a>\r\n\t\t\t\t\r\n\t\t\t\t<span>\r\n\t\t\t\t\tObjedna\u0165 konzult\u00e1ciu\t\t\t\t<\/span>\r\n\r\n\t\t\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3043a29 exad-glass-effect-no exad-sticky-section-no\" data-id=\"3043a29\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b61a2e elementor-widget__width-initial exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-exad-image-hover-effect\" data-id=\"1b61a2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"exad-image-hover-effect.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"exad-ihe-wrapper\">\r\n                        <div class=\"exad-ihe-grid\">\r\n                <figure class=\"exad-ihe-figure effect-lily\">\r\n\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"715\" src=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg\" class=\"attachment-large size-large wp-image-357\" alt=\"Juraj Rep\u010dok , konate\u013e\" srcset=\"https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1024x715.jpeg 1024w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-300x210.jpeg 300w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-768x537.jpeg 768w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-1320x922.jpeg 1320w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1-600x419.jpeg 600w, https:\/\/aider.sk\/wp-content\/uploads\/2023\/09\/Juraj_repcok_aider_slovensko_sro-1536x1073-1.jpeg 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>                    <figcaption class=\"exad-ihe-figcaption\">\r\n                        <h2 class=\"exad-ihe-title\">\r\n                                                    <\/h2>\r\n                        <p class=\"exad-ihe-description\">Konzultujte Va\u0161u poistn\u00fa udalos\u0165 s nami<\/p>\r\n                    <\/figcaption>\r\n                <\/figure>\r\n            <\/div>\r\n                                <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vytvoren\u00fd pomocou AI To, \u017ee pois\u0165ovne zni\u017euj\u00fa poistn\u00e9 plnenia o takzvan\u00fa amortiz\u00e1ciu pri \u0161kodov\u00fdch udalostiach na motorov\u00fdch vozidl\u00e1ch nie je \u017eiadnou novinkou, ani tajomstvom. Niektor\u00e9 pois\u0165ovne u\u017e tzv. amortiz\u00e1ciu neodpo\u010d\u00edtavaj\u00fa, vzh\u013eadom na to, \u017ee sa nejedn\u00e1 o spr\u00e1vny postup pri n\u00e1hrade \u0161kody. Predsa sa aj v dne\u0161nej dobe n\u00e1jdu pois\u0165ovne, ktor\u00e9 t\u00fato polo\u017eku [&hellip;]<\/p>","protected":false},"author":4,"featured_media":2077,"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-2076","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\/2076","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=2076"}],"version-history":[{"count":1,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/2076\/revisions"}],"predecessor-version":[{"id":4646,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/posts\/2076\/revisions\/4646"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media\/2077"}],"wp:attachment":[{"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/media?parent=2076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/categories?post=2076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aider.sk\/en\/wp-json\/wp\/v2\/tags?post=2076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}