{"id":459,"date":"2024-09-05T22:08:25","date_gmt":"2024-09-05T20:08:25","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=459"},"modified":"2025-02-18T15:13:41","modified_gmt":"2025-02-18T14:13:41","slug":"prasknute-celne-sklo-na-pzp-sa-nespoliehajte","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/prasknute-celne-sklo-na-pzp-sa-nespoliehajte\/","title":{"rendered":"Prasknut\u00e9 \u010deln\u00e9 sklo? Na PZP sa nespoliehajte"},"content":{"rendered":"\n<p><b>Po\u0161kodenie \u010deln\u00e9ho skla od kamienka vymr\u0161ten\u00e9ho spod kolesa okoloid\u00faceho auta je jednou z naj\u010dastej\u0161\u00edch \u0161kodov\u00fdch udalost\u00ed na motorovom vozidle. Aj vy ste boli dodnes presved\u010den\u00fd, \u017ee takto po\u0161koden\u00e9 alebo rozbit\u00e9 \u010deln\u00e9 sklo v\u00e1m pois\u0165ov\u0148a automaticky preplat\u00ed z PZP vinn\u00edka? Nie je to pravda.<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>Kedy pois\u0165ov\u0148a preplat\u00ed prasknut\u00e9 \u010deln\u00e9 sklo<\/li>\n\n\n\n<li>Ako by ste mali v tomto pr\u00edpade postupova\u0165<\/li>\n\n\n\n<li>Ako v\u00e1m posl\u00fa\u017ei pripoistenie \u010deln\u00e9ho skla<\/li>\n\n\n\n<li>Ak\u00e9 v\u00fdhody maj\u00fa aj in\u00e9 pripoistenia k PZP<\/li>\n\n\n\n<li>Ako si pripoistenie uzavriete r\u00fdchlo <a href=\"https:\/\/www.fingo.sk\/kontakty\">s FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a v\u00e1m nemus\u00ed automaticky preplati\u0165 \u0161kodu na \u010delnom skle. Na t\u00fato skuto\u010dnos\u0165 upozor\u0148uje Juliana Arvaiov\u00e1, garantka pre ne\u017eivotn\u00e9 poistenie v spolo\u010dnosti FinGO.sk: <\/span><i><span style=\"font-weight: 400;\">\u201ePois\u0165ovne s\u00edce maj\u00fa povinnos\u0165 vzniknut\u00fa \u0161kodu uhradi\u0165 z <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">PZP<\/a>, ale iba v pr\u00edpade, ke\u010f je zn\u00e1my vinn\u00edk nehody a<\/span><\/i><em> svoju vinu si uzn\u00e1. Z\u00e1rove\u0148 je na strane po\u0161koden\u00e9ho, aby zavinenie zo strany vinn\u00edka jednozna\u010dne preuk\u00e1zal.<\/em><i><span style=\"font-weight: 400;\">.\u201c<\/span><\/i><\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span><\/strong> Predstavte si, \u017ee idete autom po ceste a okolo&nbsp;v\u00e1s prech\u00e1dzaj\u00fa \u010fal\u0161ie aut\u00e1. Vy ako \u0161of\u00e9r viete <strong>ve\u013emi \u0165a\u017eko ur\u010di\u0165<\/strong>, spod ktor\u00e9ho kolesa auta<strong> odsko\u010dil kame\u0148 na va\u0161e \u010deln\u00e9 sklo,<\/strong> \u010di\u017ee dok\u00e1\u017eete \u0165a\u017eko ozna\u010di\u0165 vinn\u00edka, m\u00f4\u017eete si len tipn\u00fa\u0165. Na druhej strane vy ako vodi\u010d &#8211; \u0161kodca nem\u00f4\u017eete vedie\u0165, \u010di spod&nbsp;v\u00e1\u0161ho&nbsp;kolesa odsko\u010dil alebo neodsko\u010dil kame\u0148 do okoloid\u00faceho vozidla, pri jazde to nec\u00edtite. Taktie\u017e nem\u00e1te odkia\u013e vedie\u0165, \u010di u\u017e&nbsp;po\u0161koden\u00fd&nbsp;nemal \u010deln\u00e9 sklo prasknut\u00e9 a zastavil v\u00e1s len preto, aby sa \u0161koda preplatila z v\u00e1\u0161ho poistenia.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Netreba zab\u00fada\u0165 ani na to, \u017ee&nbsp;v\u00fd\u0161ka&nbsp;v\u00e1\u0161ho&nbsp;poistn\u00e9ho v PZP z\u00e1vis\u00ed aj od&nbsp;va\u0161ej&nbsp;\u0161kodovej hist\u00f3rie, \u010di\u017ee od toho, ko\u013eko poistn\u00fdch udalost\u00ed ste&nbsp;sp\u00f4sobili.<\/p>\n<\/blockquote>\n\n\n\n<p><em>&#8222;Pois\u0165ovne sa ve\u013eakr\u00e1t opieraj\u00fa pr\u00e1ve o to, \u017ee klienti si v t\u00fdchto pr\u00edpadoch len myslia, ako mohla \u0161koda vznikn\u00fa\u0165, ale nem\u00f4\u017eu si by\u0165 ist\u00ed, \u017ee to tak naozaj aj bolo. V tak\u00fdchto situ\u00e1ci\u00e1ch vie by\u0165 n\u00e1pomocn\u00e1 kamera zabudovan\u00e1 v aute, ktor\u00e1 by zachytila vznik tejto&nbsp;poistnej udalosti,&#8220;<\/em> vysvet\u013euje odborn\u00ed\u010dka.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ako sa v tomto pr\u00edpade postupuje<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Prvou podmienkou, aby pois\u0165ov\u0148a poskytla poistn\u00e9 plnenie z PZP teda je, aby <\/span><b>bol zn\u00e1my vinn\u00edk nehody.<\/b><span style=\"font-weight: 400;\"> To znamen\u00e1, \u017ee ak za jazdy z okoloid\u00faceho vozidla odsko\u010d\u00ed skalka, ktor\u00e1 v\u00e1m po\u0161kod\u00ed \u010deln\u00e9 sklo, <\/span><b>mus\u00edte vozidlo zastavi\u0165 <\/b>a jeho vodi\u010d sa mus\u00ed <b>ku \u0161kode prizna\u0165.<\/b><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400;\">\u201eV pr\u00edpade, ak sa v\u00e1m vozidlo nepodar\u00ed zastavi\u0165, alebo jeho vodi\u010d svoju zodpovednos\u0165 odmietne, budete zn\u00e1\u0161a\u0165 n\u00e1klady spojen\u00e9 s opravou alebo v\u00fdmenou \u010deln\u00e9ho skla v plnej v\u00fd\u0161ke. Rovnako v pr\u00edpade, ak k takejto udalosti do\u0161lo bez toho, aby bolo mo\u017en\u00e9 jednozna\u010dne ur\u010di\u0165 vinn\u00edka,\u201c <\/span><\/i><span style=\"font-weight: 400;\">upozor\u0148uje Arvaiov\u00e1. <\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Vyhrat\u00e9 v\u0161ak nem\u00e1te<\/strong> ani vtedy, ke\u010f sa v\u00e1m vozidlo podar\u00ed zastavi\u0165 a jeho vodi\u010d uzn\u00e1 svoju zodpovednos\u0165 za \u0161kodu, \u010do potvrd\u00ed aj svoj\u00edm podpisom na Z\u00e1zname o nehode. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dokonca ani pr\u00edtomnos\u0165 pol\u00edcie nemus\u00ed sta\u010di\u0165, aby v\u00e1m bolo priznan\u00e9 poistn\u00e9 plnenie. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>D\u00f4kazn\u00e9 bremeno je na strane po\u0161koden\u00e9ho<\/strong>, ktor\u00fd mus\u00ed pois\u0165ovni dok\u00e1za\u0165, \u017ee sa \u0161kodov\u00e1 udalos\u0165 skuto\u010dne stala tak, ako to hl\u00e1si. Alebo mus\u00ed by\u0165 aspo\u0148 pravdepodobn\u00e9, \u017ee sa tak mohlo sta\u0165. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ide\u00e1lne je, ak m\u00e1 po\u0161koden\u00fd k dispoz\u00edcii <strong>videoz\u00e1znam<\/strong>, z ktor\u00e9ho je evidentn\u00e9, \u017ee ku \u0161kodovej udalosti do\u0161lo sp\u00f4sobom, ak\u00fd popisuje.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\"><em>\u201eAk&nbsp;je mo\u017en\u00e9 jednozna\u010dne ur\u010di\u0165 vinn\u00edka nehody, neb\u00fdva <a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\">probl\u00e9m s poistn\u00fdm plnen\u00edm<\/a> zo strany pois\u0165ovne,\u201c<\/em> dod\u00e1va Arvaiov\u00e1.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ako situ\u00e1ciu posudzuj\u00fa pois\u0165ovne<\/span><\/h2>\n\n\n\n<p><b>Ak v\u0161ak videoz\u00e1znam nem\u00e1te k dispoz\u00edcii<\/b>, bude ve\u013emi \u0165a\u017ek\u00e9 pois\u0165ovni dok\u00e1za\u0165, ak\u00fdm sp\u00f4sobom ku \u0161kodovej udalosti do\u0161lo.<span style=\"font-weight: 400;\"> Mysl\u00ed si to aj na\u0161a expertka: <\/span><i><span style=\"font-weight: 400;\">\u201eV\u017edy je to na pos\u00faden\u00ed pois\u0165ovne, \u010di dan\u00e1 poistn\u00e1 udalos\u0165 sa mohla sta\u0165 sp\u00f4sobom, ktor\u00fd po\u0161koden\u00fd nahl\u00e1si. Pois\u0165ovne sa br\u00e1nia proti zneu\u017e\u00edvaniu zo strany klientov a ka\u017ed\u00fa poistn\u00fa udalos\u0165 pre\u0161etruj\u00fa a posudzuj\u00fa individu\u00e1lne. Dokazovanie viny je v tak\u00fdchto pr\u00edpadoch ve\u013emi komplikovan\u00e9.\u201c<\/span><\/i><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">D\u00f4kazn\u00e9 bremeno je na strane po\u0161koden\u00e9ho, ktor\u00fd mus\u00ed pois\u0165ovni dok\u00e1za\u0165, \u017ee sa \u0161kodov\u00e1 udalos\u0165 skuto\u010dne stala tak, ako to hl\u00e1si. Alebo mus\u00ed by\u0165 aspo\u0148 pravdepodobn\u00e9, \u017ee sa tak mohlo sta\u0165.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\">Pripoistenie \u010deln\u00e9ho skla&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Jednou z mo\u017enost\u00ed je uzatvorenie <a href=\"https:\/\/poistenie.fingo.sk\/havarijne_poistenie\/?ref=39ff47f2439241cb9dfabc097fd565a4\" target=\"_blank\" rel=\"noopener\">havarijn\u00e9ho poistenia<\/a>, ktor\u00e9 automaticky preplat\u00ed v\u0161etky n\u00e1klady spojen\u00e9 s v\u00fdmenou alebo opravou \u010deln\u00e9ho skla. \u201e<\/span><i><span style=\"font-weight: 400;\">Pri plnen\u00ed z havarijn\u00e9ho poistenia sta\u010d\u00ed, ak klient nahl\u00e1si poistn\u00fa udalos\u0165, zdokladuje po\u0161kodenie \u010deln\u00e9ho skla a predlo\u017e\u00ed pois\u0165ovni fakt\u00faru. Pois\u0165ov\u0148a si odr\u00e1ta spolu\u00fa\u010das\u0165 dohodnut\u00fa v zmluve a zvy\u0161n\u00e9 n\u00e1klady preplat\u00ed poisten\u00e9mu v plnej v\u00fd\u0161ke. <em>V pr\u00edpade, \u017ee je v havarijnom poisten\u00ed nastaven\u00e1 vysok\u00e1 spolu\u00fa\u010das\u0165, klient m\u00e1 mo\u017enos\u0165 sklo si aj pripoisti\u0165. Vyhne sa tak zbyto\u010dne premr\u0161tenej spolu\u00fa\u010dasti pri \u0161kode len na samotnom skle.<\/em>\u201d &nbsp;<\/span><\/i><span style=\"font-weight: 400;\">&nbsp;&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010co v\u0161ak v pr\u00edpade, ak si nechcete uzatvori\u0165 havarijn\u00e9 poistenie, preto\u017ee m\u00e1te star\u0161ie auto, alebo jednoducho nechcete plati\u0165 nieko\u013eko stoviek ro\u010dne za poistku? <\/span><b>Rie\u0161en\u00edm m\u00f4\u017ee by\u0165 pripoistenie \u010deln\u00e9ho skla<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 si m\u00f4\u017eete ve\u013emi jednoducho dojedna\u0165 k svojmu povinn\u00e9mu zmluvn\u00e9mu poisteniu.<\/span> Poisti\u0165 si m\u00f4\u017eete nielen \u010deln\u00e9 sklo, ale <strong>aj bo\u010dn\u00e9 a zadn\u00e9 skl\u00e1. <\/strong>Niektor\u00e9 pois\u0165ovne poistia v\u0161etky sklenen\u00e9 v\u00fdplne na vozidle, dokonca <strong>aj panoramatick\u00fa strechu<\/strong>.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u201e<\/span><i><span style=\"font-weight: 400;\">Takmer vo v\u0161etk\u00fdch pois\u0165ovniach si klient m\u00f4\u017ee ve\u013emi jednoducho k svojmu PZP dojedna\u0165 r\u00f4zne pripoistenia,&#8220; <\/span><\/i><span style=\"font-weight: 400;\">rad\u00ed Juliana Arvaiov\u00e1&nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><i><span style=\"font-weight: 400;\">M\u00f4\u017ee \u00eds\u0165 nielen o naj\u010dastej\u0161ie vyu\u017e\u00edvan\u00e9 pripoistenie \u010deln\u00e9ho skla, ale napr\u00edklad aj o <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-proti-zivlom-nepodcenujte-tri-jednoduche-cesty-ako-na-to\/\">pripoistenie \u017eivlu<\/a>, stretu so zverou, \u00farazu vodi\u010da a pos\u00e1dky, vandalizmu a kr\u00e1de\u017ee, pripoistenie poskytnutia n\u00e1hradn\u00e9ho vozidla a \u010fal\u0161ie pripoistenia.&#8220;<\/span><\/i><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Mo\u017enosti PZP a r\u00f4znych pripoisten\u00ed si m\u00f4\u017eete porovna\u0165 r\u00fdchlo a jednoducho cez n\u00e1\u0161 praktick\u00fd <strong>PZP porovn\u00e1va\u010d.\u00a0<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/pzp\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePzpV1\" style=\"min-height: 592px; width: 100%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ak\u00e9 v\u00fdhody maj\u00fa pripoistenia<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">V\u00fdhodou pripoisten\u00ed je <strong>v\u00fdrazne ni\u017e\u0161ie poistn\u00e9<\/strong> ako pri havarijnom poisten\u00ed. K\u00fdm za havarijn\u00e9 poistenie zaplat\u00edte nieko\u013eko stoviek eur ro\u010dne, pripoistenie \u010deln\u00e9ho skla na sumu do 500 eur, \u010do je pri v\u00e4\u010d\u0161ine be\u017en\u00fdch \u00e1ut dostato\u010dn\u00fd limit, v\u00e1s bude st\u00e1\u0165 pribli\u017ene 50 eur za rok.&nbsp;<\/span><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400;\">\u201cKlientom jednozna\u010dne odpor\u00fa\u010dam nespolieha\u0165 sa na poistku vinn\u00edka, ale poisti\u0165 sa vo\u010di tomuto riziku aj in\u00fdm sp\u00f4sobom,&#8220; <\/span><\/i><span style=\"font-weight: 400;\">rad\u00ed odborn\u00ed\u010dka a dod\u00e1va: &#8222;<\/span><b><i>Pokia\u013e klient nechce plati\u0165 havarijn\u00e9 poistenie, pripoistenie \u010deln\u00e9ho skla je ve\u013emi efekt\u00edvny n\u00e1stroj<\/i><\/b><i><span style=\"font-weight: 400;\">, ako m\u00f4\u017ee minimalizova\u0165 dopady takejto \u0161kodovej udalosti na svoju pe\u0148a\u017eenku.&#8220;<\/span><\/i><\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span><\/strong> Jednotliv\u00e9 pripoistenia maj\u00fa ni\u017e\u0161ie limity krytia a s\u00fa zameran\u00e9 len na ur\u010dit\u00e9 riziko, a preto s\u00fa aj cenovo dostupnej\u0161ie.<\/p>\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><span style=\"color: #ec8124;\">Ako si pripoistenie uzatvor\u00edte?&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pripoistenie \u010deln\u00e9ho skla, ako aj ostatn\u00e9 pripoistenia, si m\u00f4\u017eete ve\u013emi jednoducho <a href=\"https:\/\/poistenie.fingo.sk\/pzp\/?ref=39ff47f2439241cb9dfabc097fd565a4\" target=\"_blank\" rel=\"noopener\">uzatvori\u0165 online aj prostredn\u00edctvom na\u0161ej str\u00e1nky.<\/a> Dajte v\u0161ak pozor, <\/span>pripoisti\u0165 si tieto rizik\u00e1 v r\u00e1mci PZP m\u00f4\u017eete<b> iba v tej istej pois\u0165ovni, v ktorej m\u00e1te uzatvoren\u00e9 <a href=\"https:\/\/www.fingo.sk\/blog\/najvyhodnejsie-pzp\/\">z\u00e1kladn\u00e9 PZP <\/a><\/b>a ktor\u00e1 m\u00e1 tieto pripoistenia v ponuke. Existuje v\u0161ak aj pois\u0165ov\u0148a, ktor\u00e1 v\u00e1m umo\u017en\u00ed uzatvori\u0165 jednotliv\u00e9 pripoistenia \u00faplne samostatne, bez ich naviazania na PZP alebo na \u010fal\u0161ie pripoistenie.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri niektor\u00fdch pripoisteniach je nutn\u00e9 vyhotovi\u0165 a doda\u0165 do pois\u0165ovne potrebn\u00fa fotodokument\u00e1ciu. V opa\u010dnom pr\u00edpade v\u00e1m pois\u0165ov\u0148a m\u00f4\u017ee vypoveda\u0165 zmluvu, alebo po vzniku poistnej udalosti m\u00f4\u017ee zv\u00fd\u0161i\u0165 spolu\u00fa\u010das\u0165 alebo dokonca odmietnu\u0165 poistn\u00e9 plnenie. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Bli\u017e\u0161ie inform\u00e1cie v\u00e1m radi poskytn\u00fa na\u0161i finan\u010dn\u00ed sprostredkovatelia z FinGO.sk.<\/span><\/p>\n\n\n\n<p>Zavolajte n\u00e1m na <span style=\"color: #ec8124;\"><strong>0800 60 10 60<\/strong><\/span> alebo n\u00e1m zanechajte va\u0161e \u00fadaje a my sa v\u00e1m \u010doskoro ozveme.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_car_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=car_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Po\u0161kodenie \u010deln\u00e9ho skla od kamienka vymr\u0161ten\u00e9ho spod kolesa okoloid\u00faceho auta je jednou z naj\u010dastej\u0161\u00edch \u0161kodov\u00fdch udalost\u00ed na motorovom vozidle. Aj vy ste boli dodnes presved\u010den\u00fd, \u017ee takto po\u0161koden\u00e9 alebo rozbit\u00e9 \u010deln\u00e9 sklo v\u00e1m pois\u0165ov\u0148a automaticky preplat\u00ed z PZP? Nie je to pravda.<\/p>\n","protected":false},"author":26,"featured_media":461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,208],"tags":[77,76],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prasknut\u00e9 \u010deln\u00e9 sklo? Na PZP sa nespoliehajte - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Aj vy ste boli dodnes presved\u010den\u00fd, \u017ee po\u0161koden\u00e9 alebo prasknut\u00e9 \u010deln\u00e9 sklo v\u00e1m pois\u0165ov\u0148a automaticky preplat\u00ed z PZP? 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