[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.itouch.cz\/s-novym-obcanskym-zakonikem-vstupuje-v-platnost-i-nova-vyse-odskodneho-pri-autonehode\/#Article","mainEntityOfPage":"https:\/\/www.itouch.cz\/s-novym-obcanskym-zakonikem-vstupuje-v-platnost-i-nova-vyse-odskodneho-pri-autonehode\/","headline":"S nov\u00fdm ob\u010dansk\u00fdm z\u00e1kon\u00edkem vstupuje v platnost i nov\u00e1 v\u00fd\u0161e od\u0161kodn\u00e9ho p\u0159i autonehod\u011b","name":"S nov\u00fdm ob\u010dansk\u00fdm z\u00e1kon\u00edkem vstupuje v platnost i nov\u00e1 v\u00fd\u0161e od\u0161kodn\u00e9ho p\u0159i autonehod\u011b","description":"Jak vysok\u00e9 je od\u0161kodn\u011bn\u00ed v\u00a0p\u0159\u00edpad\u011b nehody ze strany poji\u0161\u0165ovny, v\u017edy z\u00e1le\u017e\u00ed na tom, jak\u00fd druh pojistn\u00e9ho si \u0159idi\u010d vol\u00ed. Z\u00e1konem stanoven\u00e9 minimum je 35 milion\u016f korun. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech tato \u010d\u00e1stka od\u0161kodn\u00e9ho nemus\u00ed b\u00fdt dostate\u010dn\u00e1 k\u00a0tomu, aby uhradila \u00fajmu na zdrav\u00ed a p\u0159\u00edpadn\u00e9 \u00famrt\u00ed p\u0159i nehod\u011b. Z\u00e1le\u017e\u00ed pochopiteln\u011b tak\u00e9 na tom, kolik hodin denn\u011b v\u011bnujete \u0159\u00edzen\u00ed, […]","datePublished":"2025-03-03","dateModified":"2025-03-03","author":{"@type":"Person","@id":"https:\/\/www.itouch.cz\/author\/#Person","name":"","url":"https:\/\/www.itouch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"itouch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.itouch.cz\/wp-content\/uploads\/img_a308391_w2456_t1519471737.jpg","url":"https:\/\/www.itouch.cz\/wp-content\/uploads\/img_a308391_w2456_t1519471737.jpg","height":0,"width":0},"url":"https:\/\/www.itouch.cz\/s-novym-obcanskym-zakonikem-vstupuje-v-platnost-i-nova-vyse-odskodneho-pri-autonehode\/","wordCount":511,"articleBody":"Jak vysok\u00e9 je od\u0161kodn\u011bn\u00ed v\u00a0p\u0159\u00edpad\u011b nehody ze strany poji\u0161\u0165ovny, v\u017edy z\u00e1le\u017e\u00ed na tom, jak\u00fd druh pojistn\u00e9ho si \u0159idi\u010d vol\u00ed. Z\u00e1konem stanoven\u00e9 minimum je 35 milion\u016f korun. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech tato \u010d\u00e1stka od\u0161kodn\u00e9ho nemus\u00ed b\u00fdt dostate\u010dn\u00e1 k\u00a0tomu, aby uhradila \u00fajmu na zdrav\u00ed a p\u0159\u00edpadn\u00e9 \u00famrt\u00ed p\u0159i nehod\u011b. Z\u00e1le\u017e\u00ed pochopiteln\u011b tak\u00e9 na tom, kolik hodin denn\u011b v\u011bnujete \u0159\u00edzen\u00ed, z\u00e1kladn\u00ed sazby pojistn\u00e9ho zpravidla posta\u010d\u00ed tzv. sv\u00e1te\u010dn\u00edm \u0159idi\u010d\u016fm nebo t\u011bm, kte\u0159\u00ed jezd\u00ed jen denn\u011b do zam\u011bstn\u00e1n\u00ed na m\u00e1lo frekventovan\u00e9 silnici a najedou za t\u00fdden pouze n\u011bkolik stovek kilometr\u016f.Pojistn\u00e9 pln\u011bn\u00ed v\u00a0p\u0159\u00edpad\u011b \u00farazu a trval\u00fdch n\u00e1sledk\u016f b\u00fdv\u00e1 o\u0161emetn\u00e9, pokud \u0159idi\u010d zavin\u00ed nehodu a \u00fa\u010dastn\u00edkem nehody je mlad\u00fd \u010dlov\u011bk. Tehdy m\u016f\u017ee poji\u0161\u0165ovna vypl\u00e1cet pojistn\u00e9 pln\u011bn\u00ed a\u017e des\u00edtky let. Poji\u0161\u0165ovna Kooperativa nyn\u00ed nov\u011b nab\u00edz\u00ed druh produktu, kter\u00fdm za klienta hrad\u00ed \u0161kodu na majetku a zdrav\u00ed osob a\u017e do v\u00fd\u0161e 150 milion\u016f korun.Sou\u010d\u00e1st\u00ed povinn\u00e9ho ru\u010den\u00ed jsou i dal\u0161\u00ed tzv. dopl\u0148kov\u00e9 slu\u017eby. Pat\u0159\u00ed k\u00a0nim i \u00fahrada \u0161kody na vlastn\u00edm vozidle, t\u00fdk\u00e1 se to zpravidla rozbit\u00e9ho \u010deln\u00edho skla, sr\u00e1\u017eky se zv\u011b\u0159\u00ed, po\u0161kozen\u00ed karos\u00e9rie krupobit\u00edm.\tJak nastavit optim\u00e1ln\u00ed v\u00fd\u0161i pojistn\u00e9ho?Pojistn\u00e9 by se m\u011blo v\u017edy sjedn\u00e1vat tzv. na m\u00edru. Ka\u017ed\u00fd \u0159idi\u010d m\u00e1 jin\u00e9 po\u017eadavky, styl j\u00edzdy, pohybuje se v\u00a0jin\u00e9m prost\u0159ed\u00ed a tomu odpov\u00edd\u00e1 i m\u00edra rizika. \u0158idi\u010di na venkov\u011b, kte\u0159\u00ed cestuj\u00ed zpravidla mimo m\u011bstsk\u00e9 z\u00f3ny, a kte\u0159\u00ed jedou \u010dasto pod\u00e9l lesa a v\u00a0minim\u00e1ln\u00edm provozu, nemus\u00ed uva\u017eovat o drastick\u00fdch \u0161kod\u00e1ch v\u00a0kolon\u00e1ch aut na d\u00e1lnici a o hromadn\u00e9m \u00famrt\u00ed osob, i kdy\u017e samoz\u0159ejm\u011b nelze vylou\u010dit ani to, ale pravd\u011bpodobn\u011bj\u0161\u00ed je sr\u00e1\u017eka se srnkou, ne\u017e hromadn\u00e1 nehoda na d\u00e1lnici. V\u00a0tomto p\u0159\u00edpad\u011b je vhodn\u00e9 zvolit pojistku zam\u011b\u0159enou na sr\u00e1\u017eku se zv\u00ed\u0159etem, tedy na po\u0161kozen\u00ed karos\u00e9rie, ale i elektroinstalace vozu. Nikdo z\u00a0n\u00e1s si sr\u00e1\u017eku se srnkou nep\u0159eje, ale takov\u00e9 p\u0159\u00edpady se bohu\u017eel st\u00e1vaj\u00ed.V\u00a0jin\u00e9 situaci bude m\u011bstsk\u00fd \u0159idi\u010d, kup\u0159\u00edkladu v\u00a0Praze, kter\u00fd parkuje v\u016fz p\u0159ed domem na s\u00eddli\u0161ti, a kde hroz\u00ed vloup\u00e1n\u00ed do vozidla nebo jeho po\u0161kozen\u00ed na ve\u0159ejn\u00e9m parkovi\u0161ti. Je mo\u017en\u00e9 tak\u00e9 pojistit zavazadla ve voze.Poji\u0161\u0165ovna hrad\u00ed i chybu p\u0159i tankov\u00e1n\u00ed jin\u00e9ho paliva, asisten\u010dn\u00ed slu\u017ebu p\u0159i do\u0161l\u00e9m palivu a odtah po\u0161kozen\u00e9ho nepoj\u00edzdn\u00e9ho vozidla na sv\u00e9 n\u00e1klady. V\u011bt\u0161ina poji\u0161\u0165oven tak\u00e9 poskytuje r\u016fzn\u00e9 slevy za v\u011brnost a v\u00fdhodn\u00e9 jsou i kombinace havarijn\u00edho poji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed \u010deln\u00edho skla, zadn\u00edho skla a bo\u010dn\u00edch skel.                                                                                                                                                                                                                                                                                                                                                                                                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