[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zake.cz\/k-cemu-slouzi-povinne-ruceni\/#Article","mainEntityOfPage":"https:\/\/www.zake.cz\/k-cemu-slouzi-povinne-ruceni\/","headline":"K \u010demu slou\u017e\u00ed povinn\u00e9 ru\u010den\u00ed","name":"K \u010demu slou\u017e\u00ed povinn\u00e9 ru\u010den\u00ed","description":"Vzhledem k\u00a0mno\u017estv\u00ed automobil\u016f na na\u0161ich silnic\u00edch je pom\u011brn\u011b jasn\u00e9, \u017ee mus\u00edme n\u011bjak\u00fdm zp\u016fsobem o\u0161et\u0159it \u0161kody, kter\u00e9 jejich...","datePublished":"2024-04-27","dateModified":"2024-04-27","author":{"@type":"Person","@id":"https:\/\/www.zake.cz\/author\/#Person","name":"","url":"https:\/\/www.zake.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zake.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zake.cz\/wp-content\/uploads\/auto16_10_10_7.png","url":"https:\/\/www.zake.cz\/wp-content\/uploads\/auto16_10_10_7.png","height":0,"width":0},"url":"https:\/\/www.zake.cz\/k-cemu-slouzi-povinne-ruceni\/","about":["Moto"],"wordCount":435,"articleBody":"Vzhledem k\u00a0mno\u017estv\u00ed automobil\u016f na na\u0161ich silnic\u00edch je pom\u011brn\u011b jasn\u00e9, \u017ee mus\u00edme n\u011bjak\u00fdm zp\u016fsobem o\u0161et\u0159it \u0161kody, kter\u00e9 jejich \u0159idi\u010di zp\u016fsob\u00ed. D\u0159\u00edve se samoz\u0159ejm\u011b p\u0159edpokl\u00e1dalo, \u017ee jakoukoliv \u0161kodu zaplat\u00ed \u0159idi\u010d s\u00e1m. Jak v\u0161ak automobily neust\u00e1le zlev\u0148uj\u00ed a st\u00e1vaj\u00ed se st\u00e1le dostupn\u011bj\u0161\u00edmi, kupuj\u00ed si je i ti m\u00e9n\u011b majetn\u00ed. Ti pak velmi \u010dasto nemaj\u00ed pen\u00edze, aby nahradili p\u0159\u00edpadnou \u0161kodu, kterou zp\u016fsob\u00ed.\u00a0To bylo samoz\u0159ejm\u011b nef\u00e9r v\u016f\u010di po\u0161kozen\u00fdm, kte\u0159\u00ed si tak p\u0159\u00edpadn\u00e9 opravy a dal\u0161\u00ed v\u00fdlohy, kter\u00e9 jim n\u00e1sledkem toho vyplynuly, museli \u010dasto platit sami \u2013 opravny toti\u017e ne\u010dekaly, zda se vin\u00edk ur\u00e1\u010d\u00ed zaplatit. A jeliko\u017e byly tyto probl\u00e9my st\u00e1le \u010dast\u011bj\u0161\u00ed, bylo nutn\u00e9 s\u00a0t\u00edm n\u011bco ud\u011blat.\u00a0\u00a0Proto bylo st\u00e1tem zavedeno takzvan\u00e9 povinn\u00e9 ru\u010den\u00ed. Jedn\u00e1 se o speci\u00e1ln\u00ed typ poji\u0161t\u011bn\u00ed automobilu, kdy pokud jeho \u0159idi\u010d zp\u016fsob\u00ed n\u011bjakou \u0161kodu na majetku \u010di zdrav\u00ed jin\u00e9 osoby, pak onu \u0161kodu hrad\u00ed poji\u0161\u0165ovna, kter\u00e1 pak p\u0159\u00edpadn\u011b vym\u00e1h\u00e1 od vin\u00edka \u010d\u00e1ste\u010dn\u00e9 pln\u011bn\u00ed. Po\u0161kozen\u00fd se tak nemus\u00ed b\u00fdt, \u017ee bude ve\u0161ker\u00e9 opravy hradit s\u00e1m, nebo\u0165 vin\u00edk nem\u00e1 \u017e\u00e1dn\u00e9 pen\u00edze.\u00a0\u00a0A\u010dkoliv je v\u0161ak toto poji\u0161t\u011bn\u00ed povinn\u00e9, z\u00e1kon d\u00e1v\u00e1 svobodu \u0159idi\u010di si vybrat, u kter\u00e9 poji\u0161\u0165ovny jej chce m\u00edt, a v\u00a0jak\u00e9 m\u00ed\u0159e \u2013 zda pouze v\u00a0z\u00e1konem na\u0159\u00edzen\u00e9m rozsahu, nebo zda chce, aby zahrnovalo i n\u011bco v\u00edce, nap\u0159\u00edklad poji\u0161t\u011bn\u00ed p\u0159i sr\u00e1\u017ece se zv\u011b\u0159\u00ed. I proto ostatn\u011b v\u00a0reklam\u00e1ch na r\u016fzn\u00e9 srovn\u00e1va\u010de vid\u00edme p\u0159edev\u0161\u00edm srovn\u00e1n\u00ed povinn\u00fdch ru\u010den\u00ed \u2013 pr\u00e1v\u011b proto, \u017ee jsou povinn\u00e1.\u00a0Zde je ov\u0161em pot\u0159eba poznamenat, \u017ee toto poji\u0161t\u011bn\u00ed NEZAHRNUJE \u0161kodu zp\u016fsobenou na va\u0161em vlastn\u00edm voze. Pokud tedy nap\u0159\u00edklad zp\u016fsob\u00edte dopravn\u00ed nehodu a nabour\u00e1te do protijedouc\u00edho automobilu, pak z\u00a0t\u00e9to pojistky bude zaplacena oprava auta po\u0161kozen\u00e9ho, av\u0161ak nikoliv toho va\u0161eho. Abyste m\u011bli krytu i ji, m\u016f\u017eete si za\u0159\u00eddit havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 se pr\u00e1v\u011b t\u00edmto zab\u00fdv\u00e1, a kter\u00e9 takt\u00e9\u017e nab\u00edz\u00ed prakticky v\u0161echny poji\u0161\u0165ovny. Alespo\u0148 v\u00a0z\u00e1kladn\u00edm rozsahu v\u0161ak v\u016fz m\u00edt poji\u0161t\u011bn\u00fd mus\u00edte. Jen pamatujte, \u017ee toto poji\u0161t\u011bn\u00ed nech\u00e1n\u00ed v\u00e1s, n\u00fdbr\u017e ostatn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"K \u010demu slou\u017e\u00ed povinn\u00e9 ru\u010den\u00ed","item":"https:\/\/www.zake.cz\/k-cemu-slouzi-povinne-ruceni\/#breadcrumbitem"}]}]