{"id":8941,"date":"2024-05-14T14:02:21","date_gmt":"2024-05-14T12:02:21","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8941"},"modified":"2024-06-04T11:01:35","modified_gmt":"2024-06-04T09:01:35","slug":"ako-postupovat-pri-dopravnej-nehode","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-postupovat-pri-dopravnej-nehode\/","title":{"rendered":"Ako postupova\u0165 pri nehode? Zoznam krokov"},"content":{"rendered":"\n<p><strong><em>Za\u017ei\u0165 dopravn\u00fa nehodu je stresuj\u00faci z\u00e1\u017eitok, po ktorom nikto z&nbsp;n\u00e1s net\u00fa\u017ei. Ak sa v\u0161ak dostanete do takejto ne\u017eelanej situ\u00e1cie, je d\u00f4le\u017eit\u00e9, aby ste na \u0148u r\u00fdchlo a&nbsp;spr\u00e1vne reagovali. Dobr\u00e9&nbsp;rozhodnutia s\u00fa d\u00f4le\u017eit\u00e9 nielen z&nbsp;poh\u013eadu va\u0161ej bezpe\u010dnosti, ale m\u00f4\u017eu by\u0165 rozhoduj\u00face aj pri n\u00e1slednom vybavovan\u00ed poistn\u00fdch udalost\u00ed.<\/em><\/strong><\/p>\n\n\n\n<p>Na Slovensku sa ka\u017ed\u00fd rok stane pribli\u017ene 12&nbsp;000 dopravn\u00fdch neh\u00f4d. To je in\u00fdmi slovami <strong>33 neh\u00f4d ka\u017ed\u00fd de\u0148<\/strong>. U\u017e z&nbsp;tejto \u0161tatistiky je jasn\u00e9, \u017ee dopravn\u00e1 nehoda nie je nie\u010d\u00edm v\u00fdnimo\u010dn\u00fdm, ale m\u00f4\u017ee sa prihodi\u0165 komuko\u013evek z&nbsp;n\u00e1s. Samozrejme, najd\u00f4le\u017eitej\u0161ie je urobi\u0165 v\u0161etko pre to, aby k&nbsp;\u0161kodovej udalosti v\u00f4bec nedo\u0161lo. Ak ste sa v\u0161ak u\u017e stali \u00fa\u010dastn\u00edkmi nehody, je dobr\u00e9 by\u0165 na tak\u00fato stresov\u00fa a&nbsp;\u010dasto nebezpe\u010dn\u00fa situ\u00e1ciu vopred pripraven\u00fd.<\/p>\n\n\n\n<p>Tak\u017ee, predstavte si, \u017ee ste mali pr\u00e1ve nehodu. Sed\u00edte v&nbsp;aute a&nbsp;sna\u017e\u00edte sa to rozd\u00fdcha\u0165. \u010co by ste mali urobi\u0165 ako prv\u00e9?<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Zhodno\u0165te svoj zdravotn\u00fd stav a zabezpe\u010dte miesto \u0161kodovej udalosti<\/strong><\/h2>\n\n\n\n<p>Ak je to mo\u017en\u00e9 a&nbsp;nikoho t\u00fdm neohroz\u00edte, <strong>ihne\u010f zastavte auto, vypnite motor a&nbsp;zatiahnite ru\u010dn\u00fa brzdu<\/strong>. Potom sa presved\u010dte, \u010di nie je v&nbsp;aute nikto zranen\u00fd alebo v&nbsp;\u0161oku a&nbsp;zhodno\u0165te aj svoj zdravotn\u00fd stav. Ak s\u00fa v\u0161etci zdravotne v&nbsp;poriadku, zapnite v\u00fdstra\u017en\u00e9 svetl\u00e1, aby ostatn\u00ed vodi\u010di vedeli, \u017ee sa nie\u010do deje.<\/p>\n\n\n\n<p>Auto neop\u00fa\u0161\u0165ajte bez <strong>reflexnej vesty<\/strong>. Pr\u00e1ve kv\u00f4li takejto situ\u00e1cii je d\u00f4le\u017eit\u00e9, aby ste vedeli, kde sa nach\u00e1dza a mali ju poruke. Ur\u010dite ju bezprostredne po nehode nechcete h\u013eada\u0165 po celom aute. Reflexn\u00fa vestu musia ma\u0165 aj ostatn\u00ed spolucestuj\u00faci.<\/p>\n\n\n\n<p>Vytiahnite z&nbsp;auta <strong>v\u00fdstra\u017en\u00fd trojuholn\u00edk<\/strong> (op\u00e4\u0165 je n\u00e1pomocn\u00e9, ak viete vopred, kde ho h\u013eada\u0165) a&nbsp;umiestnite ho v dostato\u010dnej vzdialenosti za vozidlom. V obci by to malo by\u0165 aspo\u0148 50 metrov a na dia\u013enici 100 metrov od odstaven\u00e9ho automobilu. V\u00fdstra\u017en\u00fd trojuholn\u00edk je s\u00fa\u010das\u0165ou povinnej v\u00fdbavy, mali by ste ho teda ma\u0165 v&nbsp;aute. Ak ho n\u00e1hodou vo vozidle nem\u00e1te, pou\u017eite \u010doko\u013evek in\u00e9, \u010d\u00edm upozorn\u00edte vodi\u010dov, \u017ee ste museli odstavi\u0165 auto.<\/p>\n\n\n\n<p>V&nbsp;tejto chv\u00edli by sa u\u017e cel\u00e1 pos\u00e1dka mala nach\u00e1dza\u0165 mimo vozovky, v&nbsp;bezpe\u010dnom priestore za zvodidlami.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong><em>\u010co v&nbsp;pr\u00edpade, \u017ee nie je v&nbsp;bl\u00edzkosti odstavn\u00fd pruh?<\/em><\/strong><\/h3>\n\n\n\n<p>M\u00f4\u017ee sa sta\u0165, \u017ee m\u00e1te hav\u00e1riu na mieste, kde nie je odstavn\u00fd pruh a&nbsp;auto tak nedok\u00e1\u017eete odstavi\u0165 v&nbsp;bezpe\u010dnej z\u00f3ne. Typick\u00fdm pr\u00edkladom je dia\u013enica D1 medzi Bratislavou a&nbsp;Trnavou. Ide o&nbsp;nebezpe\u010dn\u00fa situ\u00e1ciu, ke\u010f\u017ee sa nach\u00e1dzate na dia\u013enici a&nbsp;okoloid\u00face aut\u00e1 nemaj\u00fa dostatok \u010dasu, aby va\u0161e nepojazdn\u00e9 auto zaregistrovali.&nbsp;<\/p>\n\n\n\n<p>Ak nie je mo\u017en\u00e9 pokra\u010dova\u0165 s&nbsp;autom v&nbsp;jazde k&nbsp;najbli\u017e\u0161iemu bezpe\u010dn\u00e9mu miestu na odstavenie vozidla, zastavte s&nbsp;n\u00edm v&nbsp;pravom pruhu tak, aby \u010do najmenej vy\u010dnievalo do cesty. Zapnite v\u00fdstra\u017en\u00e9 svetl\u00e1 a <strong>potom sa \u010do najr\u00fdchlej\u0161ie presu\u0148te aj s&nbsp;pos\u00e1dkou do bezpe\u010dnej z\u00f3ny<\/strong>. &nbsp;<\/p>\n\n\n\n<p>To, \u017ee ste p\u00e1r metrov za zvodidlami e\u0161te neznamen\u00e1, \u017ee ste v bezpe\u010dnom priestore. Cho\u010fte na tak\u00e9 miesto, kde nebudete v ohrozen\u00ed v&nbsp;pr\u00edpade kol\u00edzie s va\u0161\u00edm odstaven\u00fdm autom.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Ak sa v\u00e1m stala nehoda na dia\u013enici, r\u00fdchlu pomoc v\u00e1m poskytne Dia\u013eni\u010dn\u00e1 patrola. Privol\u00e1te ju jednoducho, bu\u010f cez mobiln\u00fa aplik\u00e1ciu alebo telefonicky na bezplatnom \u010d\u00edsle 0800 100&nbsp;007. Ve\u013ekou v\u00fdhodou je, \u017ee ide o&nbsp;slu\u017ebu N\u00e1rodnej dia\u013eni\u010dnej spolo\u010dnosti, ktor\u00e1 je k&nbsp;dispoz\u00edcii bezplatne a&nbsp;nonstop.<\/p>\n\n\n\n<p><strong><em>Idete na dovolenku autom? Nezabudnite na poistenie auta. Ako na to, sa dozviete z blogu <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/ako-usetrit-pri-pzp-a-ako-poistit-auto-na-dovolenku\/\"><strong><em>Ako u\u0161etri\u0165 pri PZP a ako poisti\u0165 auto na dovolenku<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Poskytnite prv\u00fa pomoc a zavolajte z\u00e1chrann\u00fa slu\u017ebu<\/strong><\/h2>\n\n\n\n<p>Ak sa v\u00e1m podarilo bezpe\u010dne odstavi\u0165 auto a&nbsp;nie ste zranen\u00ed, skontrolujte, \u010di s\u00fa v&nbsp;poriadku aj ostatn\u00ed \u00fa\u010dastn\u00edci dopravnej nehody. <strong>V&nbsp;pr\u00edpade potreby okam\u017eite poskytnite prv\u00fa pomoc a&nbsp;zavolajte z\u00e1chranku <\/strong>na \u010d\u00edsle 155. V\u0161etko im podrobne pop\u00ed\u0161te a&nbsp;postupujte pod\u013ea ich pokynov.<\/p>\n\n\n\n<p>Ak niekto potrebuje lek\u00e1rsku pomoc, v&nbsp;\u017eiadnom pr\u00edpade sa nesna\u017ete z&nbsp;miesta nehody od\u00eds\u0165. Okrem toho, \u017ee je to nemor\u00e1lne, hroz\u00ed v\u00e1m v&nbsp;pr\u00edpade tak\u00e9hoto konanie trestn\u00e9 st\u00edhanie.&nbsp;<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Dopravn\u00e1 nehoda je stresuj\u00faca udalos\u0165. Ak by v\u00e1m v\u0161ak napadlo trochu sa upokoji\u0165 napr\u00edklad pou\u017eit\u00edm alkoholu alebo nejakej omamnej l\u00e1tky, nie je to dobr\u00fd n\u00e1pad. Budete len ve\u013emi \u0165a\u017eko dokazova\u0165, \u017ee sa to stalo a\u017e po a&nbsp;nie pred nehodou.<\/p>\n\n\n\n<div class=\"is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\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<\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Kedy vola\u0165 pol\u00edciu pri dopravnej nehode?<\/strong><\/h2>\n\n\n\n<p>Stru\u010dn\u00e1 odpove\u010f znie, \u017ee pol\u00edciu nemus\u00edte vola\u0165, ak ide len o&nbsp;\u0161kodov\u00fa udalos\u0165 a&nbsp;nie o&nbsp;dopravn\u00fa nehodu. U\u017e dokonca <strong>neplat\u00ed ani pravidlo, \u017ee je potrebn\u00e9 vola\u0165 policajtov, ak \u0161koda presiahne 3 990 eur<\/strong>. Ak\u00fd je rozdiel medzi dopravnou nehodou a&nbsp;\u0161kodovou udalos\u0165ou?<\/p>\n\n\n\n<p>O&nbsp;dopravn\u00fa nehodu sa jedn\u00e1, ak je splnen\u00e1 ktor\u00e1ko\u013evek z&nbsp;t\u00fdchto podmienok:<\/p>\n\n\n\n<ul>\n<li>do\u0161lo pri nej k&nbsp;usmrteniu alebo zraneniu,<\/li>\n\n\n\n<li>do\u0161lo k&nbsp;po\u0161kodeniu cesty alebo v\u0161eobecne prospe\u0161n\u00e9ho zariadenia,<\/li>\n\n\n\n<li>n\u00e1sledkom nehody za\u010dali unika\u0165 nebezpe\u010dn\u00e9 l\u00e1tky (olej, benz\u00edn).<\/li>\n<\/ul>\n\n\n\n<p>Ak teda napr\u00edklad strat\u00edte kontrolu nad svojim vozidlom, naraz\u00edte do semaforu a&nbsp;z&nbsp;auta v\u00e1m za\u010dne vyteka\u0165 olej, stali ste sa \u00fa\u010dastn\u00edkom dopravnej nehody a&nbsp;mali by ste okam\u017eite zavola\u0165 pol\u00edciu.<\/p>\n\n\n\n<p>Pozor, za dopravn\u00fa nehodu pova\u017eujeme aj \u0161kodov\u00fa udalos\u0165 pri ktorej:<\/p>\n\n\n\n<ul>\n<li>nebola splnen\u00e1 niektor\u00e1 z povinnost\u00ed \u00fa\u010dastn\u00edka \u0161kodovej udalosti,<\/li>\n\n\n\n<li>vodi\u010d je pod vplyvom alkoholu alebo omamn\u00fdch l\u00e1tok, pr\u00edpadne sa odmieta podrobi\u0165 vy\u0161etreniu na zistenie ich pou\u017eitia,<\/li>\n\n\n\n<li>nedo\u0161lo k&nbsp;dohode medzi \u00fa\u010dastn\u00edkmi nehody, kto je vinn\u00edkom.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP:<\/strong> Pol\u00edciu m\u00f4\u017eete vola\u0165 aj v&nbsp;pr\u00edpade, \u017ee nejde o&nbsp;nehodou, ale len o&nbsp;\u0161kodov\u00fa udalos\u0165. Oplat\u00ed sa to napr\u00edklad v&nbsp;pr\u00edpade, ak m\u00e1te uzatvoren\u00e9 havarijn\u00e9 poistenie. Policajn\u00e1 spr\u00e1va m\u00f4\u017ee ma\u0165 vplyv na to, ako sa na v\u00e1s bude v&nbsp;bud\u00facnosti pozera\u0165 pois\u0165ov\u0148a. &nbsp;<\/p>\n\n\n\n<h4>V\u00fdvoj po\u010dtu dopravn\u00fdch neh\u00f4d na Slovensku<\/h4>\n\n\n\n<div class=\"flourish-embed flourish-chart\" data-src=\"visualisation\/17777138\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Zdokumentujte priebeh a miesto nehody<\/strong><\/h2>\n\n\n\n<p>Dohodnite sa s&nbsp;ostatn\u00fdmi \u00fa\u010dastn\u00edkmi nehody, kto ju zavinil a&nbsp;<strong>vypl\u0148te spolu tla\u010divo<\/strong> na zabezpe\u010denie n\u00e1hrady vzniknutej \u0161kody.<\/p>\n\n\n\n<p>Nehodu zdokumentujte. Ak to nie je z&nbsp;d\u00f4vodu bezpe\u010dnosti nevyhnutn\u00e9, aut\u00e1 nepres\u00favajte. Ak sa mus\u00edte presun\u00fa\u0165, pok\u00faste sa aspo\u0148 vyzna\u010di\u0165 polohu \u00e1ut i pneumat\u00edk, pr\u00edpadne si v\u0161etko nafo\u0165te. Urobte viacero z\u00e1berov a&nbsp;z&nbsp;r\u00f4znych uhlov. Samozrejme, toto v\u0161etko plat\u00ed len v&nbsp;pr\u00edpade, \u017ee je to mo\u017en\u00e9 uskuto\u010dni\u0165 bezpe\u010dn\u00fdm sp\u00f4sobom.&nbsp;<\/p>\n\n\n\n<p>Nezabudnite si pozna\u010di\u0165 men\u00e1 a adresy \u00fa\u010dastn\u00edkov dopravnej nehody. Ak s\u00fa na mieste svedkovia nehody, po\u017eiadajte aj ich o&nbsp;v\u00fdpovede a&nbsp;kontaktn\u00e9 inform\u00e1cie.&nbsp;&nbsp;<\/p>\n\n\n\n<p>V&nbsp;pr\u00edpade, \u017ee je vinn\u00edkom druh\u00fd vodi\u010d, op\u00ed\u0161te si z&nbsp;jeho ob\u010dianskeho alebo vodi\u010dsk\u00e9ho preukazu a dokladu o PZP (zelen\u00e1 karta) tieto inform\u00e1cie:<\/p>\n\n\n\n<ul>\n<li>meno, priezvisko a bydlisko vodi\u010da (v pr\u00edpade, \u017ee ide o firemn\u00e9 vozidlo, pozna\u010dte si n\u00e1zov, s\u00eddlo a I\u010cO firmy),<\/li>\n\n\n\n<li>EV\u010c a typ vozidla,<\/li>\n\n\n\n<li>n\u00e1zov a adresu pois\u0165ovne<\/li>\n\n\n\n<li>\u010d\u00edslo dokladu o uzavretom poisten\u00ed.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP:<\/strong> Ak by v\u00e1m vinn\u00edk nehody odmietol poskytn\u00fa\u0165 \u00fadaje, op\u00ed\u0161te si eviden\u010dn\u00e9 \u010d\u00edslo vozidla a&nbsp;nesk\u00f4r sa obr\u00e1\u0165te na Slovensk\u00fa kancel\u00e1riu pois\u0165ovate\u013eov.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Vypl\u0148te z\u00e1znam o nehode<\/strong><\/h2>\n\n\n\n<p>Jednou z&nbsp;najd\u00f4le\u017eitej\u0161\u00edch \u00faloh, ktor\u00e1 \u010dak\u00e1 \u00fa\u010dastn\u00edkov nehody, je vyplnenie formul\u00e1ru <strong>\u201eSpr\u00e1va o&nbsp;nehode\u201c<\/strong>. Pr\u00e1ve na z\u00e1klade tohto dokumentu bude pois\u0165ov\u0148a posudzova\u0165, \u010do sa stalo. Je d\u00f4le\u017eit\u00e9, aby ste mali toto tla\u010divo neust\u00e1le v&nbsp;aute. Ak ho nem\u00e1te, m\u00f4\u017eete si ho <a href=\"https:\/\/www.skp.sk\/wp-content\/uploads\/2023\/09\/sprava_o_nehode.pdf\">stiahnu\u0165<\/a> a&nbsp;vytla\u010di\u0165, n\u00e1jdete ho napr\u00edklad na webov\u00fdch str\u00e1nkach pois\u0165ovn\u00ed.<\/p>\n\n\n\n<p>Spr\u00e1va by mala by\u0165 vyplnen\u00e1 pravdivo a&nbsp;tak, aby sa s \u0148ou dok\u00e1zali stoto\u017eni\u0165 obe strany. Jej s\u00fa\u010das\u0165ou by mal by\u0165 n\u00e1kres priebehu celej nehody.<\/p>\n\n\n\n<p><strong><em>Podrobn\u00fd n\u00e1vod n\u00e1jdete v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/zaznam-o-nehode-tlacivo-na-stiahnutie\/\">Ako vyplni\u0165 tla\u010divo Spr\u00e1va o nehode<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co robi\u0165 v&nbsp;pr\u00edpade, ak vinn\u00edk nehody ujde?<\/strong><\/h2>\n\n\n\n<p>Zavolajte okam\u017eite pol\u00edciu. Ak je to mo\u017en\u00e9, zap\u00ed\u0161te si \u00fadaje o&nbsp;vinn\u00edkovom vozidle, ide\u00e1lne &nbsp;eviden\u010dn\u00e9 \u010d\u00edslo vozidla, typ a&nbsp;zna\u010dku vozidla.<\/p>\n\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 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Kontaktujte asisten\u010dn\u00fa slu\u017ebu<\/strong><\/h2>\n\n\n\n<p>Ak va\u0161e auto u\u017e nie je sp\u00f4sobil\u00e9 \u010fal\u0161ej jazdy, <strong>zavolajte asisten\u010dn\u00fa slu\u017ebu va\u0161ej pois\u0165ovne<\/strong>. Telef\u00f3nne \u010d\u00edslo n\u00e1jdete na asisten\u010dnej karte. Ak\u00e9 slu\u017eby s\u00fa s\u00fa\u010das\u0165ou asisten\u010dn\u00fdch slu\u017eieb a&nbsp;\u010do v\u0161etko v\u00e1m pois\u0165ov\u0148a preplat\u00ed, z\u00e1vis\u00ed od konkr\u00e9tnej pois\u0165ovne &nbsp;Ak nie ste vinn\u00edkom dopravnej nehody, sp\u00f4soben\u00fa \u0161kodu v\u00e1m nahrad\u00ed pois\u0165ov\u0148a vinn\u00edka nehody.<\/p>\n\n\n\n<p>M\u00f4\u017ee sa v\u00e1m sta\u0165, \u017ee sa v&nbsp;bl\u00edzkosti nehody n\u00e1hle objav\u00ed asisten\u010dn\u00e1 slu\u017eba inej spolo\u010dnosti. Neuzatv\u00e1rajte s&nbsp;\u0148ou \u017eiadnu dohody.&nbsp;<\/p>\n\n\n\n<p><strong><em>Ak neviete \u010di m\u00e1te platn\u00e9 PZP, pre\u010d\u00edtajte si <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/overenie-platnosti-pzp\/\"><strong><em>blog<\/em><\/strong><\/a><strong><em> o&nbsp;tom, ako si to r\u00fdchlo a&nbsp;jednoducho overi\u0165.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ak v\u00e1m vznikla \u0161koda, nahl\u00e1ste ju pois\u0165ovni &nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>Zapam\u00e4tajte si, \u017ee ak\u00fako\u013evek <strong>\u0161kodu uhr\u00e1dza pois\u0165ov\u0148a vinn\u00edka<\/strong> dopravnej nehody. Vinn\u00edk nehody je povinn\u00fd nehodu nahl\u00e1si\u0165 svojej pois\u0165ovni a&nbsp;to do 15 dn\u00ed. V&nbsp;pr\u00edpade, \u017ee sa nehoda udiala v&nbsp;zahrani\u010d\u00ed, tak do 30 dn\u00ed.<\/p>\n\n\n\n<p>Poistn\u00fa udalos\u0165 m\u00f4\u017eete nahl\u00e1si\u0165 telefonicky, prostredn\u00edctvom online formul\u00e1ra, e-mailom, po\u0161tou, prostredn\u00edctvom mobilnej aplik\u00e1cie alebo osobne.<\/p>\n\n\n\n<p>Ak ste po\u0161koden\u00fd, pri oznamovan\u00ed poistnej udalosti m\u00f4\u017eete vyu\u017ei\u0165 rovnak\u00e9 sp\u00f4soby a&nbsp;platia pre v\u00e1s rovnak\u00e9 lehoty. Nie je v\u0161ak potrebn\u00e9 predklada\u0165 dokument\u00e1ciu k&nbsp;nehode. &nbsp;<\/p>\n\n\n\n<p>Po tom, ako obaja \u00fa\u010dastn\u00edci nehody nahl\u00e1sia nehodu do svojej pois\u0165ovne, s&nbsp;po\u0161koden\u00fdm sa stretne technik, ktor\u00fd uskuto\u010dn\u00ed obhliadku vozidla.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong><em>Ak\u00e9 dokumenty predklad\u00e1 vinn\u00edk nehody svojej pois\u0165ovni<\/em><\/strong><\/h3>\n\n\n\n<ul>\n<li>spr\u00e1vu o&nbsp;nehode<\/li>\n\n\n\n<li>poistn\u00fa zmluvu<\/li>\n\n\n\n<li>osobn\u00e9 \u00fadaje \u00fa\u010dastn\u00edkov nehody<\/li>\n\n\n\n<li>zoznam po\u0161koden\u00fdch vec\u00ed<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u010co ak m\u00e1m aj havarijn\u00e9 poistenie<\/strong><\/h2>\n\n\n\n<p>V\u00fdhodou havarijn\u00e9ho poistenia je, \u017ee ak ste po\u0161koden\u00fd, m\u00e1te na v\u00fdber, \u010di chcete, aby v\u00e1m \u0161kody uhradila pois\u0165ov\u0148a vinn\u00edka (PZP) alebo pois\u0165ov\u0148a, kde m\u00e1te uzavret\u00e9 havarijn\u00e9 poistenie. <strong>Porovnajte si, ktor\u00e1 mo\u017enos\u0165 je v\u00fdhodnej\u0161ia<\/strong>, m\u00f4\u017ee sa sta\u0165, \u017ee plnenie&nbsp;z&nbsp;havarijnej poistky bude v\u00fdhodnej\u0161ie. V&nbsp;tom pr\u00edpade zavolajte do pois\u0165ovne kv\u00f4li obhliadke vozidla. Po\u010dkajte si na rozhodnutie o&nbsp;tom, v&nbsp;akej v\u00fd\u0161ke v\u00e1m pois\u0165ov\u0148a preplat\u00ed n\u00e1klady a&nbsp;a\u017e potom za\u010dnite s&nbsp;opravami.<\/p>\n\n\n\n<p>V pr\u00edpade, \u017ee ste po\u0161koden\u00fd a rozhodnete sa situ\u00e1ciu rie\u0161i\u0165 cez havarijn\u00e9 poistenie, v\u00fdhodou je tie\u017e to, \u017ee spolu\u00fa\u010das\u0165 v\u00e1m preplat\u00ed pois\u0165ov\u0148a (PZP) vinn\u00edka nehody. <\/p>\n\n\n\n<p>Havarijn\u00e9 poistenie vyu\u017eijete aj vtedy, ak nepozn\u00e1te vinn\u00edka nehody alebo ak ste jedin\u00fdm \u00fa\u010dastn\u00edkom nehody. V&nbsp;t\u00fdchto pr\u00edpadoch by v\u00e1m PZP nepomohlo a&nbsp;museli by ste v\u0161etko uhradi\u0165 sami. Samozrejme, havarijn\u00e9 poistenie v\u00e1s chr\u00e1ni aj v&nbsp;pr\u00edpade vandalizmu, \u017eivelnej katastrofy alebo stretu so zverou.<\/p>\n\n\n\n<p>V&nbsp;z\u00e1vislosti od zmluvy m\u00f4\u017eete ma\u0165 n\u00e1rok aj na pr\u00e1vne poradenstvo, pr\u00edpadne poskytnutie ubytovania a&nbsp;pomoc s&nbsp;n\u00e1vratom domov pri nehode v&nbsp;zahrani\u010d\u00ed.<\/p>\n\n\n\n<p><strong><em>Viac sa dozviete z&nbsp;blogu <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/co-kryje-havarijne-poistenie-a-ako-postupovat-v-pripade-plnenia\/\"><strong><em>\u010co kryje havarijn\u00e9 poistenie a&nbsp;ako postupova\u0165 v&nbsp;pr\u00edpade plnenia<\/em><\/strong><\/a><\/p>\n\n\n\n<div class=\"is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/havarijne-poistenie\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframeKaskoV1\" style=\"min-height: 592px; width: 100%; border: none; height: 608px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>\u00daraz si nechajte potvrdi\u0165 lek\u00e1rom<\/strong><\/h2>\n\n\n\n<p>Po nehode je d\u00f4le\u017eit\u00e1 e\u0161te jedna vec. Ak m\u00e1te \u00farazov\u00e9 poistenie a&nbsp;utrpeli ste pri nehode \u00faraz, <strong>cho\u010fte k&nbsp;lek\u00e1rovi<\/strong>, ktor\u00fd v\u00e1m vystav\u00ed spr\u00e1vu s&nbsp;lek\u00e1rskym n\u00e1lezom. Budete ju potrebova\u0165 kv\u00f4li pois\u0165ovni.<\/p>\n\n\n\n<p>Nezabudnite si odlo\u017ei\u0165 aj doklady t\u00fdkaj\u00face sa n\u00e1kladov na lie\u010dbu, potvrdenie o PN a&nbsp;potvrdenie o u\u0161lej mzde v d\u00f4sledku PN.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_accident_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=accident_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n    (function(){\n        window.addEventListener('message', function(e) {\n          if (e.data.height) {\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n          };\n        }, false);\n    })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Za\u017ei\u0165 dopravn\u00fa nehodu je stresuj\u00faci z\u00e1\u017eitok, po ktorom nikto z&nbsp;n\u00e1s net\u00fa\u017ei. Ak sa v\u0161ak dostanete do takejto ne\u017eelanej situ\u00e1cie, je d\u00f4le\u017eit\u00e9, aby ste na \u0148u r\u00fdchlo a&nbsp;spr\u00e1vne reagovali. Dobr\u00e9&nbsp;rozhodnutia s\u00fa d\u00f4le\u017eit\u00e9 nielen z&nbsp;poh\u013eadu va\u0161ej bezpe\u010dnosti, ale m\u00f4\u017eu by\u0165 rozhoduj\u00face aj pri n\u00e1slednom vybavovan\u00ed poistn\u00fdch udalost\u00ed. Na Slovensku sa ka\u017ed\u00fd rok stane pribli\u017ene 12&nbsp;000 dopravn\u00fdch neh\u00f4d. To je in\u00fdmi slovami 33 neh\u00f4d ka\u017ed\u00fd de\u0148. U\u017e z&nbsp;tejto \u0161tatistiky je jasn\u00e9, \u017ee dopravn\u00e1 nehoda nie je nie\u010d\u00edm v\u00fdnimo\u010dn\u00fdm, ale m\u00f4\u017ee sa prihodi\u0165 komuko\u013evek z&nbsp;n\u00e1s. Samozrejme, najd\u00f4le\u017eitej\u0161ie je urobi\u0165 v\u0161etko pre to, aby k&nbsp;\u0161kodovej udalosti v\u00f4bec nedo\u0161lo. Ak ste sa v\u0161ak u\u017e stali \u00fa\u010dastn\u00edkmi nehody, je dobr\u00e9 by\u0165 na tak\u00fato stresov\u00fa a&nbsp;\u010dasto nebezpe\u010dn\u00fa situ\u00e1ciu vopred pripraven\u00fd. Tak\u017ee, predstavte si, \u017ee ste mali pr\u00e1ve nehodu. Sed\u00edte v&nbsp;aute a&nbsp;sna\u017e\u00edte sa to rozd\u00fdcha\u0165. \u010co by ste mali urobi\u0165 ako prv\u00e9? Zhodno\u0165te svoj zdravotn\u00fd stav a zabezpe\u010dte miesto \u0161kodovej udalosti Ak je to mo\u017en\u00e9 a&nbsp;nikoho t\u00fdm neohroz\u00edte, ihne\u010f zastavte auto, vypnite motor a&nbsp;zatiahnite ru\u010dn\u00fa brzdu. Potom sa presved\u010dte, \u010di nie je v&nbsp;aute nikto zranen\u00fd alebo v&nbsp;\u0161oku a&nbsp;zhodno\u0165te aj svoj zdravotn\u00fd stav. Ak s\u00fa v\u0161etci zdravotne v&nbsp;poriadku, zapnite v\u00fdstra\u017en\u00e9 svetl\u00e1, aby ostatn\u00ed vodi\u010di vedeli, \u017ee sa nie\u010do deje. Auto neop\u00fa\u0161\u0165ajte bez reflexnej vesty. Pr\u00e1ve kv\u00f4li takejto situ\u00e1cii je d\u00f4le\u017eit\u00e9, [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":8947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[208],"tags":[77,161,155],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Postup v pr\u00edpade dopravnej nehody - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mali ste hav\u00e1riu a neviete, \u010do robi\u0165? 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Pre\u010d\u00edtajte si nieko\u013eko z\u00e1kladn\u00fdch r\u00e1d, ako sa na tak\u00fato stresuj\u00facu situ\u00e1ciu \u010do najlep\u0161ie pripravi\u0165.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-postupovat-pri-dopravnej-nehode\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-14T12:02:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-04T09:01:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/05\/Ako-postupovat-pri-dopravnej-autonehode.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"718\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jaroslav Kraj\u0148\u00e1k\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jaroslav Kraj\u0148\u00e1k\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-postupovat-pri-dopravnej-nehode\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-postupovat-pri-dopravnej-nehode\/\"},\"author\":{\"name\":\"Jaroslav Kraj\u0148\u00e1k\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/bf6f014d6d28b7ea1549e4887cf71453\"},\"headline\":\"Ako postupova\u0165 pri nehode? 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