{"id":38271,"date":"2022-10-26T11:58:51","date_gmt":"2022-10-26T09:58:51","guid":{"rendered":"https:\/\/www.mzone.cz\/?p=38271"},"modified":"2022-10-26T12:00:38","modified_gmt":"2022-10-26T10:00:38","slug":"castecna-versus-totalni-skoda-u-havarijniho-pojisteni-jaky-je-mezi-tim-rozdil","status":"publish","type":"post","link":"https:\/\/www.mzone.cz\/en\/castecna-versus-totalni-skoda-u-havarijniho-pojisteni-jaky-je-mezi-tim-rozdil\/","title":{"rendered":"\u010c\u00e1ste\u010dn\u00e1 versus tot\u00e1ln\u00ed \u0161koda u havarijn\u00edho poji\u0161t\u011bn\u00ed. Jak\u00fd je mezi t\u00edm rozd\u00edl?"},"content":{"rendered":"

Havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody, kter\u00e9 na va\u0161em voze vzniknou vlastn\u00edm zavin\u011bn\u00edm, n\u00e1sledkem sr\u00e1\u017eky se zv\u011b\u0159\u00ed nebo kr\u00e1de\u017e\u00ed auta. Ka\u017ed\u00e9ho majitele vozu ale zaj\u00edm\u00e1, kdy nast\u00e1v\u00e1 v havarijn\u00edm poji\u0161t\u011bn\u00ed vozidla takzvan\u00e1 technick\u00e1 nebo ekonomick\u00e1 tot\u00e1ln\u00ed \u0161koda. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek, kter\u00fd v\u00e1m v tom jednou prov\u017edy ud\u011bl\u00e1 jasno.<\/strong><\/p>
\n\n\n\n

Hav\u00e1rie vozu m\u016f\u017ee m\u00edt nejr\u016fzn\u011bj\u0161\u00ed n\u00e1sledky. Kdy\u017e m\u00e1te \u0161t\u011bst\u00ed, obejde se bez zran\u011bn\u00ed \u010di v\u00e1\u017en\u00e9 \u00fajm\u011b na zdrav\u00ed \u010di \u017eivot\u011b v\u0161ech \u00fa\u010dastn\u00edk\u016f nehody. Pokud m\u00e1te automobil\u00a0havarijn\u011b poji\u0161t\u011bn\u00fd<\/a>, nemus\u00edte se nav\u00edc ani ob\u00e1vat n\u00e1sledk\u016f pro va\u0161i pen\u011b\u017eenku. U velk\u00fdch nehod, kdy je v\u016fz zna\u010dn\u011b zni\u010den, m\u016f\u017ee b\u00fdt poji\u0161\u0165ovnou konstatov\u00e1na tot\u00e1ln\u00ed \u0161koda na voze. Je dobr\u00e9 v\u011bd\u011bt, kdy nast\u00e1v\u00e1 v havarijn\u00edm poji\u0161t\u011bn\u00ed vozidla tzv. technick\u00e1 tot\u00e1ln\u00ed \u0161koda a kdy ekonomick\u00e1 tot\u00e1ln\u00ed \u0161koda. Jejich nastaven\u00ed je ur\u010deno pojistn\u00fdmi podm\u00ednkami ve smlouv\u011b s poji\u0161\u0165ovnou.<\/p>
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\u010c\u00e1ste\u010dn\u00e1 vs. tot\u00e1ln\u00ed \u0161koda \u2013 jak\u00fd je mezi t\u00edm rozd\u00edl?<\/strong><\/h2>\n\n\n\n

\u0160koda na vozidle m\u016f\u017ee m\u00edt r\u016fzn\u00fd rozsah. Pokud je v\u016fz pouze \u010d\u00e1ste\u010dn\u011b po\u0161kozen a \u0161kody m\u016f\u017eeme v servise odstranit opravou, hovo\u0159\u00edme o \u010d\u00e1ste\u010dn\u00e9 \u0161kod\u011b na vozidle. N\u00e1klady na opravu auta v\u0161ak nesm\u00ed p\u0159ekro\u010dit obvyklou cenu auta. V moment\u011b, kdy je tato cena p\u0159ekro\u010dena, hovo\u0159\u00ed poji\u0161\u0165ovna o tot\u00e1ln\u00ed \u0161kod\u011b na vozidle.<\/p>\n\n\n\n

Pozor, obvykl\u00e1 cena nen\u00ed cena zapsan\u00e1 v pojistn\u00e9 smlouv\u011b. Je to cena, za kterou by bylo mo\u017en\u00e9 va\u0161e vozidlo po\u0159\u00eddit v dob\u011b vzniku pojistn\u00e9 ud\u00e1losti, a ta se v \u010dase m\u011bn\u00ed.<\/p><\/blockquote>\n\n\n\n

P\u0159i stanoven\u00ed obvykl\u00e9 ceny se berou v \u00favahu nap\u0159\u00edklad faktory jako typ vozidla a rok v\u00fdroby, aktu\u00e1ln\u00ed ceny na \u010desk\u00e9m trhu, opot\u0159eben\u00ed \u010di znehodnocen\u00ed vozu. Jak\u00fd je stav vozu po nehod\u011b, m\u016f\u017eeme laicky zhodnotit, ale kone\u010dn\u00fd verdikt o velikosti \u0161kody vyd\u00e1v\u00e1 v\u017edy odborn\u00fd technik.<\/p>
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\"Boura\u010dka\"<\/figure>
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Porovnejte si ceny havarijn\u00edho poji\u0161t\u011bn\u00ed na trhu<\/strong><\/h2>\n\n\n\n

Zkontrolujte si aktu\u00e1ln\u00ed nastaven\u00ed havarijn\u00ed pojistky s t\u00edm, co je dostupn\u00e9 na trhu, abyste zbyte\u010dn\u011b nep\u0159epl\u00e1celi. V praktick\u00e9 kalkula\u010dce na srovn\u00e1vac\u00edm port\u00e1le Klik.cz m\u00e1te v\u00fdsledek za p\u00e1r minut. Klik.cz je stabiln\u00ed spole\u010dnost\u00ed s dlouhou, v\u00edce jak desetiletou histori\u00ed. Na \u010desk\u00e9m trhu m\u00e1 dlouhodob\u011b p\u0159edn\u00ed pozici mezi internetov\u00fdmi srovn\u00e1va\u010di. M\u016f\u017eete si tam vyhledat nejlevn\u011bj\u0161\u00ed nebo nejv\u00fdhodn\u011bj\u0161\u00ed\u00a0povinn\u00e9 ru\u010den\u00ed<\/a>, havarijn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti a nemovitosti, cestovn\u00ed poji\u0161t\u011bn\u00ed a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed z pohodl\u00ed domova. Srovn\u00e1vaj\u00ed tak\u00e9 p\u016fj\u010dky a energie.<\/p>
\n\n\n\n

Co je ekonomick\u00e1 tot\u00e1ln\u00ed \u0161koda?<\/strong><\/h2>\n\n\n\n

N\u011bkdy se m\u016f\u017ee zd\u00e1t, \u017ee by v\u016fz je\u0161t\u011b \u0161lo opravit, ale poji\u0161\u0165ovna odm\u00edtne opravu zaplatit. Podle zji\u0161t\u011bn\u00ed jejich technika toti\u017e m\u016f\u017ee u vozu nastat tzv. ekonomick\u00e1 tot\u00e1ln\u00ed \u0161koda. Je to stav, kdy se po\u0161kozen\u00e9 auto nevyplat\u00ed opravit z d\u016fvod\u016f vysok\u00fdch n\u00e1klad\u016f. Tyto p\u0159edpokl\u00e1dan\u00e9 n\u00e1klady na opravu jsou vy\u0161\u0161\u00ed ne\u017e aktu\u00e1ln\u00ed obvykl\u00e1 cena vozu. N\u011bkdy ale b\u00fdv\u00e1 vznik\u00e1 prostor na vyjedn\u00e1v\u00e1n\u00ed s poji\u0161\u0165ovnou. M\u016f\u017eete navrhnout opravu v neautorizovan\u00e9m servisu s pou\u017eit\u00edm neorigin\u00e1ln\u00edch a star\u0161\u00edch d\u00edl\u016f. Pokud se cena opravy dostane pod obvyklou cenu vozu, m\u016f\u017ee poji\u0161\u0165ovna p\u0159istoupit na dohodu a vy m\u016f\u017eete v\u016fz opravit.<\/p>
\n\n\n\n

\"Povinn\u00e9<\/a><\/figure>
\n

Jak z\u00edskat nejv\u00fdhodn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed na auto? V\u00edme to!<\/a><\/h4>
\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"

Havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody, kter\u00e9 na va\u0161em voze vzniknou vlastn\u00edm zavin\u011bn\u00edm, n\u00e1sledkem sr\u00e1\u017eky se zv\u011b\u0159\u00ed nebo kr\u00e1de\u017e\u00ed auta. Ka\u017ed\u00e9ho majitele vozu ale zaj\u00edm\u00e1, kdy nast\u00e1v\u00e1 v havarijn\u00edm poji\u0161t\u011bn\u00ed vozidla takzvan\u00e1 technick\u00e1 nebo ekonomick\u00e1 tot\u00e1ln\u00ed \u0161koda. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek, kter\u00fd v\u00e1m v tom jednou prov\u017edy ud\u011bl\u00e1 jasno. Hav\u00e1rie vozu m\u016f\u017ee m\u00edt nejr\u016fzn\u011bj\u0161\u00ed n\u00e1sledky. Kdy\u017e m\u00e1te […]<\/p>\n","protected":false},"author":4,"featured_media":37497,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"kk_blocks_editor_width":"","_kiokenblocks_attr":"","_kiokenblocks_dimensions":"","footnotes":""},"categories":[69],"tags":[585,82,462,552,5609,5608,5607,5575,733,5610,4657,4658,2466,844,5001,5606],"class_list":["post-38271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-moto","tag-auta","tag-auto","tag-auto-moto","tag-automobily","tag-bouracka","tag-castecna-skoda","tag-havarijni-pojisteni","tag-likvidace","tag-nehoda","tag-plneni","tag-pojisteni","tag-pojistka","tag-rozdil","tag-rozdily","tag-skody","tag-totalni-skoda"],"yoast_head":"\n\u010c\u00e1ste\u010dn\u00e1 versus tot\u00e1ln\u00ed \u0161koda u havarijn\u00edho poji\u0161t\u011bn\u00ed. 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