{"id":1948,"date":"2023-09-06T07:39:27","date_gmt":"2023-09-06T07:39:27","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1948"},"modified":"2023-09-06T07:40:44","modified_gmt":"2023-09-06T07:40:44","slug":"novela-zakona-o-povinnem-ruceni","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1948","title":{"rendered":"Novela z\u00e1kona o povinn\u00e9m ru\u010den\u00ed"},"content":{"rendered":"<p><strong>P\u0159ipravovan\u00e1 novela z\u00e1kona o povinn\u00e9m ru\u010den\u00ed bude pro \u0159idi\u010de znamenat hned n\u011bkolik zm\u011bn, pro poji\u0161\u0165ovny pak hlavn\u011b digit\u00e1ln\u00ed revoluci. <\/strong><!--more--><\/p>\n<p>Povinn\u00e9 ru\u010den\u00ed by se ji\u017e od 23. prosince 2023 m\u011blo \u0159\u00eddit nov\u00fdm z\u00e1konem. \u010cR m\u011bn\u00ed podm\u00ednky kv\u016fli sjednocen\u00ed pravidel s ostatn\u00edmi st\u00e1ty EU podle takzvan\u00e9 motorov\u00e9 sm\u011brnice. Zm\u011bny v novele z\u00e1kona o povinn\u00e9m ru\u010den\u00ed jsou vn\u00edm\u00e1ny jako krok k v\u011bt\u0161\u00ed bezpe\u010dnosti na silnic\u00edch a k ochran\u011b po\u0161kozen\u00fdch v p\u0159\u00edpad\u011b dopravn\u00edch nehod.<\/p>\n<p><strong>Nav\u00fd\u0161en\u00ed z\u00e1konn\u00fdch limit\u016f<\/strong><\/p>\n<p>Jednou z nejd\u016fle\u017eit\u011bj\u0161\u00edch zm\u011bn je nav\u00fd\u0161en\u00ed z\u00e1konn\u00fdch limit\u016f. P\u016fvodn\u00ed minim\u00e1ln\u00ed z\u00e1konn\u00e9 kryt\u00ed se z 35 milion\u016f korun m\u011bn\u00ed nov\u011b na 50 milion\u016f. Zv\u00fd\u0161en\u00ed minim\u00e1ln\u00edch limit\u016f pojistn\u00e9ho pln\u011bn\u00ed je tak\u00e9 krokem k v\u011bt\u0161\u00ed ochran\u011b po\u0161kozen\u00fdch v p\u0159\u00edpad\u011b dopravn\u00edch nehod. St\u00e1vaj\u00edc\u00ed limity 35 milion\u016f korun na \u00fajmu na zdrav\u00ed nebo smrti a 35 milion\u016f korun na majetkovou \u0161kodu jsou v mnoha p\u0159\u00edpadech nedosta\u010duj\u00edc\u00ed. Zv\u00fd\u0161en\u00ed limit\u016f na 50 milion\u016f korun by m\u011blo pomoci l\u00e9pe kompenzovat \u0161kody, kter\u00e9 jsou zp\u016fsobeny dopravn\u00edmi nehodami. <em>\u201e\u00daprava, kterou novela p\u0159inese, ale znamen\u00e1 zm\u011bny hlavn\u011b u star\u0161\u00edch smluv, kter\u00e9 jsou sjedn\u00e1ny pr\u00e1v\u011b na p\u016fvodn\u00edch 35 milion\u016f. S takov\u00fdmi klienty se budou muset poji\u0161\u0165ovny spojit, aby s nimi \u00fapravy vy\u0159e\u0161ily. Lze o\u010dek\u00e1vat, \u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny prom\u00edtnou zm\u011bnu i do v\u00fd\u0161e pojistn\u00e9ho. Nicm\u00e9n\u011b se bude jednat \u0159\u00e1dov\u011b o rozd\u00edl kolem stokoruny. Nav\u00edc n\u011bkter\u00e9 poji\u0161\u0165ovny pouze nav\u00fd\u0161\u00ed limit kryt\u00ed a ceny nijak m\u011bnit nebudou,\u201c<\/em> uv\u00e1d\u00ed Sylvie Cibikov\u00e1, produktov\u00e1 specialistka Swiss Life Select.<\/p>\n<p><strong>Roz\u0161\u00ed\u0159en\u00ed povinn\u00e9ho ru\u010den\u00ed na dal\u0161\u00ed druhy vozidel<\/strong><\/p>\n<p>Podle novely z\u00e1kona o poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla se povinn\u00e9 ru\u010den\u00ed bude nov\u011b vztahovat na v\u0161echna motorov\u00e1 vozidla, kter\u00e1 maj\u00ed konstruk\u010dn\u00ed rychlost vy\u0161\u0161\u00ed ne\u017e 25 km\/h nebo konstruk\u010dn\u00ed rychlost vy\u0161\u0161\u00ed ne\u017e 14 km\/h a hmotnost v\u011bt\u0161\u00ed ne\u017e 25 kg. <em>\u201eZm\u011bna dopadne na n\u011bkter\u00e9 elektrick\u00e9 kolob\u011b\u017eky, segwaye, sn\u011b\u017en\u00e9 sk\u00fatry nebo golfov\u00e1 voz\u00edtka. Majitel\u00e9 elektrokol si mohou oddechnout, proto\u017ee ti se povinn\u00e9mu ru\u010den\u00ed vyhnou. Nov\u00fd z\u00e1kon se t\u00fdk\u00e1 pouze vozidel, jejich\u017e hlavn\u00edm zdrojem pohybu je motor. A u elektrokola je to \u0161lap\u00e1n\u00ed. Stejn\u011b tak nemus\u00ed m\u00edt povinn\u00e9 ru\u010den\u00ed zahradn\u00ed trakt\u016frky, kter\u00e9 se pohybuj\u00ed pouze na soukrom\u00e9m pozemku. Pojistn\u00e9 sazby budou stanoveny poji\u0161\u0165ovnami. O\u010dek\u00e1v\u00e1 se, \u017ee v\u00fd\u0161e pojistn\u00e9ho bude u elektrokolob\u011b\u017eek a dal\u0161\u00edch podobn\u00fdch vozidel ni\u017e\u0161\u00ed ne\u017e u automobil\u016f, proto\u017ee tato vozidla jsou obvykle m\u00e9n\u011b v\u00fdkonn\u00e1 a m\u00e9n\u011b nebezpe\u010dn\u00e1,\u201c<\/em> up\u0159es\u0148uje Sylvie Cibikov\u00e1, produktov\u00e1 specialistka Swiss Life Select.<\/p>\n<p><strong>Povinnost sjednat si povinn\u00e9 ru\u010den\u00ed p\u0159ech\u00e1z\u00ed z vlastn\u00edka na provozovatele vozidla<\/strong><\/p>\n<p>Tato zm\u011bna se t\u00fdk\u00e1 zejm\u00e9na p\u0159\u00edpad\u016f, kdy jsou vlastn\u00edkem a provozovatelem vozidla dv\u011b r\u016fzn\u00e9 osoby. Nej\u010dast\u011bji se dotkne situac\u00ed, kdy je vlastn\u00edkem leasingov\u00e1 spole\u010dnost a provozovatelem vozidla klient, kter\u00fd vozidlo re\u00e1ln\u011b \u0159\u00edd\u00ed. Nebo kdy\u017e rodi\u010d p\u0159enech\u00e1 v\u016fz sv\u00e9mu dosp\u011bl\u00e9mu d\u00edt\u011bti, ale chce z\u016fstat vlastn\u00edkem vozidla. Nov\u011b se v technick\u00e9m pr\u016fkazu p\u0159ep\u00ed\u0161e provozovatel, kter\u00fd bude tak\u00e9 za sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed vozidla zodpov\u011bdn\u00fd.<\/p>\n<p><strong>Zelen\u00e1 karta<\/strong><\/p>\n<p>Novela ru\u0161\u00ed povinnost vozit u sebe zelenou kartu jako doklad o zaplacen\u00ed povinn\u00e9ho ru\u010den\u00ed, a to i v elektronick\u00e9 podob\u011b. V\u0161echny smlouvy o povinn\u00e9m ru\u010den\u00ed se toti\u017e v re\u00e1ln\u00e9m \u010dase mus\u00ed p\u0159en\u00e9st do evidence \u010cKP, do n\u00ed\u017e budou m\u00edt p\u0159\u00edstup st\u00e1tn\u00ed org\u00e1ny, nap\u0159. policie nebo dopravn\u00ed inspektor\u00e1t. <em>\u201eP\u0159i silni\u010dn\u00ed kontrole tak policie ov\u011b\u0159\u00ed b\u011bhem p\u00e1r sekund platnost povinn\u00e9ho ru\u010den\u00ed. Pozor, tato novinka se vztahuje pouze na \u00fazem\u00ed \u010cesk\u00e9 republiky. V zahrani\u010d\u00ed je p\u0159\u00edtomnost zelen\u00e9 karty st\u00e1le povinn\u00e1,\u201c<\/em> upozor\u0148uje Sylvie Cibikov\u00e1, produktov\u00e1 specialistka Swiss Life Select.<\/p>\n<p><strong>O\u010dek\u00e1van\u00fd dopad zm\u011bn<\/strong><\/p>\n<p>O\u010dek\u00e1v\u00e1 se, \u017ee zm\u011bny v z\u00e1kon\u011b o povinn\u00e9m ru\u010den\u00ed budou m\u00edt pozitivn\u00ed dopad na ochranu po\u0161kozen\u00fdch v p\u0159\u00edpad\u011b dopravn\u00ed nehody. <em>\u201eZv\u00fd\u0161en\u00ed minim\u00e1ln\u00edch limit\u016f pojistn\u00e9ho pln\u011bn\u00ed by m\u011blo v\u00e9st k tomu, \u017ee po\u0161kozen\u00ed budou m\u00edt v\u011bt\u0161\u00ed \u0161anci na pln\u00e9 od\u0161kodn\u011bn\u00ed. Zm\u011bna, \u017ee povinn\u00fdm pojistn\u00edkem bude provozovatel vozidla, by m\u011bla pomoci sn\u00ed\u017eit po\u010det neplatn\u00fdch pojistek. Ru\u0161en\u00ed povinnosti vozit u sebe zelenou kartu by m\u011blo usnadnit a zrychlit cestov\u00e1n\u00ed po \u010cR. Zm\u011bny, kter\u00e9 maj\u00ed zv\u00fd\u0161it digitalizaci povinn\u00e9ho ru\u010den\u00ed, by m\u011bly zjednodu\u0161it a zrychlit proces uzav\u00edr\u00e1n\u00ed a spr\u00e1vy povinn\u00e9ho ru\u010den\u00ed,\u201c<\/em> uzav\u00edr\u00e1 Sylvie Cibikov\u00e1, produktov\u00e1 specialistka Swiss Life Select.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>P\u0159ipravovan\u00e1 novela z\u00e1kona o povinn\u00e9m ru\u010den\u00ed bude pro \u0159idi\u010de znamenat hned n\u011bkolik zm\u011bn, pro poji\u0161\u0165ovny pak hlavn\u011b digit\u00e1ln\u00ed revoluci.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":1951,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,10],"tags":[],"class_list":["post-1948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-komentar","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1948"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1948\/revisions"}],"predecessor-version":[{"id":1950,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1948\/revisions\/1950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1951"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}