{"id":281,"date":"2022-12-05T12:46:36","date_gmt":"2022-12-05T12:46:36","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=281"},"modified":"2022-12-05T12:58:53","modified_gmt":"2022-12-05T12:58:53","slug":"rok-a-mesic-do-zmeny-zakona-o-povinnem-ruceni","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=281","title":{"rendered":"Rok a m\u011bs\u00edc do zm\u011bn v povinn\u00e9m ru\u010den\u00ed"},"content":{"rendered":"<p><strong>Novela z\u00e1kona o povinn\u00e9m ru\u010den\u00ed (konkr\u00e9tn\u011b z\u00e1kona 168\/1999 Sb.) m\u00e1 za\u010d\u00edt platit od 1. ledna 2024. Jedna novinka se dotkne v\u00fdznamn\u00e9 \u010d\u00e1sti majitel\u016f v\u0161ech vozidel, a\u0165 ji\u017e se jedn\u00e1 o osobn\u00ed auta, motorky nebo jen mal\u00e9 voz\u00edky.<br \/>\n<\/strong><\/p>\n<p><!--more--><\/p>\n<h4>Dne\u0161n\u00ed minim\u00e1ln\u00ed limit 35 mili\u00f3n\u016f \u2026<\/h4>\n<p>Z\u00e1kladn\u00edm parametrem poji\u0161t\u011bn\u00ed odpov\u011bdnosti z\u00a0provozu vozidla (tzv. povinn\u00e9 ru\u010den\u00ed) je pojistn\u00fd limit. Ud\u00e1v\u00e1, do jak\u00e9 v\u00fd\u0161e uhrad\u00ed poji\u0161\u0165ovna \u0161kodu po\u0161kozen\u00e9mu za poji\u0161t\u011bn\u00e9ho vin\u00edka, kter\u00fd nehodu zp\u016fsobil. Z\u00e1kon dnes stanov\u00ed minim\u00e1ln\u00ed hodnotu ve v\u00fd\u0161i 35 mili\u00f3n\u016f. \u201e<em>Limit plat\u00ed zvl\u00e1\u0161\u0165 pro \u0161kody na majetku v\u00a0sou\u010dtu pro v\u0161echny hmotn\u00e9 \u0161kody a zvl\u00e1\u0161\u0165 pro \u0161kody na zdrav\u00ed, kde se aplikuje na ka\u017ed\u00e9ho po\u0161kozen\u00e9ho zvl\u00e1\u0161\u0165,\u201c<\/em> vysv\u011btluje Martin Pod\u00e1vka, spoluzakladatel a produktov\u00fd guru Pillow poji\u0161\u0165ovny.<\/p>\n<h4>\u2026 se nav\u00fd\u0161\u00ed na 50 mili\u00f3n\u016f.<\/h4>\n<p>Ji\u017e v\u00a0sou\u010dasn\u00e9 sob\u011b je z\u00e1kladn\u00ed limit 35 mili\u00f3n\u016f p\u0159i\u00a0n\u011bkter\u00fdch nehod\u00e1ch nedostate\u010dn\u00fd. Pokud p\u0159i v\u00e1\u017en\u00e9m zran\u011bn\u00ed vznikne \u0161koda 20 mili\u00f3n\u016f po\u0161kozen\u00e9mu na v\u00fdd\u011blku, 20 mili\u00f3n\u016f st\u00e1lo zdravotn\u00ed poji\u0161\u0165ovnu jeho l\u00e9\u010den\u00ed, 8 mili\u00f3n\u016f tvo\u0159\u00ed zt\u00ed\u017een\u00e9 spole\u010densk\u00e9 uplatn\u011bn\u00ed a dal\u0161\u00edch 8 mili\u00f3n\u016f je vy\u010d\u00edsleno na v\u00fdpomoc, bolestn\u00e9 a jin\u00e9 n\u00e1klady, uhrad\u00ed poji\u0161\u0165ovna p\u0159i minim\u00e1ln\u00edm limitu pouze 35 mili\u00f3n\u016f a zbyl\u00fdch 21 mili\u00f3n\u016f mus\u00ed zaplatit s\u00e1m vin\u00edk ze sv\u00e9ho. I to je d\u016fvodem, pro\u010d novela z\u00e1kona po\u010d\u00edt\u00e1 s\u00a0nav\u00fd\u0161en\u00edm minim\u00e1ln\u00edho limitu z\u00a035 na 50 mili\u00f3n\u016f. Od roku 2024 tak budou v\u0161echny poji\u0161\u0165ovny nab\u00edzet u nov\u00fdch smluv minim\u00e1ln\u011b limit 50 mili\u00f3n\u016f a st\u00e1vaj\u00edc\u00edm klient\u016fm nav\u00fd\u0161\u00ed limit na nov\u00e9 z\u00e1konn\u00e9 minimum.<\/p>\n<h4>Druh\u00fdch 35 mili\u00f3n\u016f od Pillow \u201ezdarma\u201c.<\/h4>\n<p>Na uveden\u00e9m p\u0159\u00edkladu je vid\u011bt, \u017ee ji\u017e dnes vznikaj\u00ed \u0161kody v\u00fdrazn\u011b p\u0159evy\u0161uj\u00edc\u00ed limit. Proto Pillow poji\u0161\u0165ovna v\u00a0tomto i v p\u0159\u00ed\u0161t\u00edm roce sn\u00ed\u017eila cenu sv\u00e9ho poji\u0161t\u011bn\u00ed s\u00a0limitem 70 mili\u00f3n\u016f a nab\u00edz\u00ed ho za naprostou stejnou cenu jako limit 35 mili\u00f3n\u016f. \u201e<em>Pro klienty je to snadn\u00e9 rozhodnut\u00ed: za stejn\u00e9 pen\u00edze mohou m\u00edt dvojn\u00e1sobnou jistotu a nemus\u00ed \u010dekat a\u017e do roku 2024, kdy z\u00e1kon zv\u00fd\u0161\u00ed minim\u00e1ln\u00ed limit<\/em>\u201c, prozrazuje Marcel Beno, spoluzakladatel a procesn\u00ed m\u00e1g Pillow poji\u0161\u0165ovny. A dod\u00e1v\u00e1: \u201e<em>\u0160koda toti\u017e m\u016f\u017ee nastat ji\u017e z\u00edtra nebo za m\u011bs\u00edc, a ne a\u017e v\u00a0roce 2024.\u00a0 A 70 mili\u00f3n\u016f je v\u00edce ne\u017e budouc\u00ed z\u00e1konn\u00e9 minimum<\/em>\u201c.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Novela z\u00e1kona o povinn\u00e9m ru\u010den\u00ed (konkr\u00e9tn\u011b z\u00e1kona 168\/1999 Sb.) m\u00e1 za\u010d\u00edt platit od 1. ledna 2024. Jedna novinka se dotkne v\u00fdznamn\u00e9 \u010d\u00e1sti majitel\u016f v\u0161ech vozidel, <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=281\" title=\"Rok a m\u011bs\u00edc do zm\u011bn v povinn\u00e9m ru\u010den\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/281","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=281"}],"version-history":[{"count":4,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/281\/revisions"}],"predecessor-version":[{"id":339,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/281\/revisions\/339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/282"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}