{"id":2984,"date":"2023-07-08T18:35:22","date_gmt":"2023-07-08T16:35:22","guid":{"rendered":"https:\/\/stalo-se.cz\/?p=2984"},"modified":"2023-07-08T18:35:22","modified_gmt":"2023-07-08T16:35:22","slug":"proc-je-povinne-ruceni-dulezite-a-jak-na-nem-usetrit","status":"publish","type":"post","link":"https:\/\/stalo-se.cz\/?p=2984","title":{"rendered":"Pro\u010d je povinn\u00e9 ru\u010den\u00ed d\u016fle\u017eit\u00e9 a jak na n\u011bm u\u0161et\u0159it"},"content":{"rendered":"\n

Dle statistik po\u010det dopravn\u00edch nehod nekles\u00e1, ba naopak. S ka\u017edou autonehodou doch\u00e1z\u00ed k po\u0161kozen\u00ed zdrav\u00ed \u010di majetku jak vin\u00edka nehody, tak jej\u00ed ob\u011bti. \u0160kody jsou pak dle z\u00e1kona hrazeny z povinn\u00e9ho ru\u010den\u00ed toho, kdo nehodu zp\u016fsobil. Jak se li\u0161\u00ed ceny jednotliv\u00fdch pojistek a jak neplatit v\u00edce, ne\u017e je nutn\u00e9?<\/strong><\/p>\n\n\n\n

Jak z n\u00e1zvu vypl\u00fdv\u00e1, povinn\u00e9 ru\u010den\u00ed je n\u011bco, bez \u010deho se neobejde \u017e\u00e1dn\u00fd provozovatel motorov\u00e9ho vozidla na silni\u010dn\u00edch komunikac\u00edch. Povinn\u00e9 ru\u010den\u00ed neboli poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/strong> chr\u00e1n\u00ed p\u0159edev\u0161\u00edm ob\u011b\u0165 autonehody. Pokud dojde k \u00fajm\u011b na majetku \u010di zdrav\u00ed, bude ob\u011b\u0165 od\u0161kodn\u011bna pr\u00e1v\u011b z povinn\u00e9ho ru\u010den\u00ed vin\u00edka nehody. <\/p>\n\n\n\n

Nestane se tak, \u017ee by ob\u011b\u0165 nedostala \u017e\u00e1dnou n\u00e1hradu \u0161kody<\/strong>, pokud by vin\u00edk nehody prohl\u00e1sil, \u017ee prost\u0159edky na n\u00e1pravu po\u0161kozen\u00ed nem\u00e1. Proto je ka\u017ed\u00e9 auto p\u0159ihl\u00e1\u0161en\u00e9 v registru silni\u010dn\u00edch vozidel povinno m\u00edt uzav\u0159enou z\u00e1konnou pojistku<\/strong>. <\/p>\n\n\n\n

Pokud majitel \u010di provozovatel vozidla takov\u00e9 poji\u0161t\u011bn\u00ed sjednan\u00e9 nem\u00e1, nen\u00ed opr\u00e1vn\u011bn sv\u016fj v\u016fz \u0159\u00eddit<\/strong>, pou\u017e\u00edvat nebo jej ani nechat zaparkovan\u00fd na ve\u0159ejn\u00e9m parkovi\u0161ti \u010di prostranstv\u00ed. <\/p>\n\n\n\n

Dojde-li k autonehod\u011b nepoji\u0161t\u011bn\u00e9ho auta, hrad\u00ed \u0161kody fond \u010cesk\u00e9 kancel\u00e1\u0159e pojistitel\u016f<\/strong>, kter\u00e1 je posl\u00e9ze opr\u00e1vn\u011bna v\u00fddaje na vin\u00edkovi nehody soudn\u011b vym\u00e1hat. <\/p>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed, stejn\u011b jako jak\u00e1koliv jin\u00e1 pojistka, v\u0161ak nen\u00ed zadarmo <\/strong>a mnoho motorist\u016f zneu\u017e\u00edv\u00e1 situace. Argumentuj\u00ed t\u00edm, pro\u010d by m\u011bli platit tis\u00edce ro\u010dn\u011b, kdy\u017e svoje auto pou\u017e\u00edvaj\u00ed jen na vesnici, kde za cel\u00fd den mihne jen hrstka vozidel.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed mus\u00ed m\u00edt uzav\u0159eno ka\u017ed\u00e9, i nepoj\u00edzdn\u00e9 auto, pokud nen\u00ed vy\u0159azeno z registru silni\u010dn\u00edch vozidel. <\/em><\/p>\n\n\n\n

Stejn\u011b tak se mnoho \u0159idi\u010d\u016f sna\u017e\u00ed co nejv\u00edce na povinn\u00e9m ru\u010den\u00ed u\u0161et\u0159it<\/strong><\/a>. Z\u00e1m\u011brn\u011b vyb\u00edraj\u00ed jen ty nejni\u017e\u0161\u00ed kryc\u00ed limity, nesjedn\u00e1vaj\u00ed si \u017e\u00e1dn\u00e1 dopl\u0148kov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed, \u010dastokr\u00e1t zcela opom\u00edjej\u00ed tak\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 chr\u00e1n\u00ed p\u0159edev\u0161\u00edm jejich vlastn\u00ed dopravn\u00ed prost\u0159edek. <\/p>\n\n\n\n

Nejlevn\u011bj\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> lze p\u0159itom nal\u00e9zt jen za n\u011bkolik stokorun m\u011bs\u00ed\u010dn\u011b. V bal\u00ed\u010dku s povinn\u00fdm ru\u010den\u00edm vyjdou ob\u011b pojistky je\u0161t\u011b v\u00fdhodn\u011bji. Srovn\u00e1va\u010d povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a> se stal popul\u00e1rn\u00edm n\u00e1strojem, jak rychle a pohodln\u011b vyhledat co nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

Lid\u00e9 \u010d\u00edm d\u00e1l v\u00edce vyu\u017e\u00edvaj\u00ed slu\u017eeb m\u00e9n\u011b zn\u00e1m\u00fdch poji\u0161\u0165oven<\/strong>, kter\u00e9 v r\u00e1mci konkuren\u010dn\u00edho boje nasazuj\u00ed sazby povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed velmi n\u00edzko. <\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

U star\u0161\u00edch voz\u016f jsou p\u0159ipoji\u0161t\u011bn\u00ed v\u00edtan\u00e1. <\/em><\/p>\n\n\n\n

Oproti tomu druh\u00e1 polovina \u0159idi\u010d\u016f, kter\u00e1 poji\u0161t\u011bn\u00ed nepodce\u0148uje a vy\u017eaduje ty nejlep\u0161\u00ed slu\u017eby, nev\u00e1h\u00e1 investovat i do nadstandardn\u00edch pojistek typu GAP<\/strong> (poji\u0161t\u011bn\u00ed kryje rozd\u00edl mezi po\u0159izovac\u00ed a obecnou cenou vozidla v dob\u011b pojistn\u00e9 ud\u00e1losti) nebo takov\u00e9 pojistky, kter\u00e9 kryj\u00ed nep\u0159edv\u00eddateln\u00e9 vnit\u0159n\u00ed mechanick\u00e9 nebo elektrick\u00e9 poruchy<\/strong> poji\u0161t\u011bn\u00e9ho vozidla.<\/p>\n\n\n\n

Na tato p\u0159ipoji\u0161t\u011bn\u00ed se specializuje poji\u0161\u0165ovna Colonnade. Colonnade recenze<\/strong><\/a> hovo\u0159\u00ed ve prosp\u011bch poji\u0161\u0165ovny a v\u011bt\u0161\u00ed polovina z\u00e1kazn\u00edk\u016f si jej\u00ed slu\u017eby chv\u00e1l\u00ed. <\/p>\n\n\n\n

Povinn\u00e9 ru\u010den\u00ed u ojet\u00e9ho auta<\/h2>\n\n\n\n

Jak je to s povinn\u00fdm ru\u010den\u00edm p\u0159i prodeji auta? Kdo plat\u00ed pojistku \u2013 p\u016fvodn\u00ed, \u010di nov\u00fd majitel? Realita je takov\u00e1, \u017ee v okam\u017eiku podpisu kupn\u00ed smlouvy m\u016f\u017ee b\u00fdval\u00fd vlastn\u00edk vozu zaj\u00edt do sv\u00e9 poji\u0161\u0165ovny a pojistku s okam\u017eitou platnost\u00ed vypov\u011bd\u011bt. <\/p>\n\n\n\n

Nov\u00fd majitel mus\u00ed uzav\u0159\u00edt sv\u00e9 vlastn\u00ed povinn\u00e9 ru\u010den\u00ed, a to je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e s vozem odjede a ne\u017e dojde k p\u0159episu vozu v registru silni\u010dn\u00edch vozidel. Formul\u00e1\u0159 na p\u0159epis auta<\/strong><\/a> je jedn\u00edm z dokument\u016f pot\u0159ebn\u00fdch k tomuto \u00fakonu. <\/p>\n\n\n\n

Pro bezprobl\u00e9mov\u00fd p\u0159epis auta jsou d\u00e1le pot\u0159eba ob\u010dansk\u00e9 pr\u016fkazy, mal\u00fd a velk\u00fd technick\u00fd pr\u016fkaz, kupn\u00ed smlouva, zelen\u00e1 karta jako doklad o platn\u00e9m povinn\u00e9m ru\u010den\u00ed, \u00fahrada administrativn\u00edho poplatku a eviden\u010dn\u00ed kontrola prod\u00e1van\u00e9ho auta na STK. P\u0159epis auta prob\u00edh\u00e1 na po\u010dk\u00e1n\u00ed<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Dle statistik po\u010det dopravn\u00edch nehod nekles\u00e1, ba naopak. S ka\u017edou autonehodou doch\u00e1z\u00ed k po\u0161kozen\u00ed zdrav\u00ed…<\/p>\n","protected":false},"author":1,"featured_media":2985,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-2984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prozeny"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2984","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2984"}],"version-history":[{"count":1,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2984\/revisions"}],"predecessor-version":[{"id":2986,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2984\/revisions\/2986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/media\/2985"}],"wp:attachment":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2984"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2984"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}