{"id":707,"date":"2022-08-12T21:30:43","date_gmt":"2022-08-12T19:30:43","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=707"},"modified":"2022-11-07T21:38:39","modified_gmt":"2022-11-07T20:38:39","slug":"jak-vybrat-povinne-ruceni","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=707","title":{"rendered":"Jak vybrat povinn\u00e9 ru\u010den\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Povinn\u00e9 ru\u010den\u00ed nikdo neplat\u00ed r\u00e1d. Av\u0161ak nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed nemus\u00ed b\u00fdt v\u017edycky spr\u00e1vnou volbou. Jak vybrat kvalitn\u00ed povinn\u00e9 ru\u010den\u00ed a z\u00e1rove\u0148 neplatit p\u0159\u00edli\u0161?&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Povinn\u00e9 ru\u010den\u00ed<\/strong> je z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vozidla. To znamen\u00e1, \u017ee kdo chce vyjet na silnici, <strong>mus\u00ed povinn\u00e9 ru\u010den\u00ed m\u00edt<\/strong>. K \u010demu vlastn\u011b povinn\u00e9 ru\u010den\u00ed slou\u017e\u00ed? Je to jednoduch\u00e9. Pokud motorista zp\u016fsob\u00ed dopravn\u00ed nehodu, poji\u0161\u0165ovna za n\u011bj zaplat\u00ed ve\u0161kerou \u0161kodu, kter\u00e1 vznikla t\u0159et\u00edm osob\u00e1m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kdo povinn\u00e9 ru\u010den\u00ed sjednan\u00e9 nem\u00e1, ten se vystavuje dvoum postih\u016fm. Jednak v p\u0159\u00edpad\u011b nehody celou vzniklou \u0161kodu zaplat\u00ed z vlastn\u00ed kapsy a krom\u011b toho dostane tu\u010dnou pokutu. Jezdit bez povinn\u00e9ho ru\u010den\u00ed se tedy m\u016f\u017ee p\u011bkn\u011b prodra\u017eit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co kryje povinn\u00e9 ru\u010den\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdo m\u00e1 sjednan\u00e9 povinn\u00e9 ru\u010den\u00ed, ten m\u00e1 ze z\u00e1kona n\u00e1rok, aby za n\u011bj poji\u0161\u0165ovna zaplatila \u0161kodu na majetku a \u00fajmu na zdrav\u00ed a\u017e do v\u00fd\u0161e 35 mil K\u010d za ka\u017ed\u00e9ho zran\u011bn\u00e9ho nebo usmrcen\u00e9ho a 35 mil K\u010d za po\u0161kozen\u00ed vozidla a u\u0161l\u00fd zisk pro v\u0161echny po\u0161kozen\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tyto \u010d\u00e1stky se na prvn\u00ed pohled zdaj\u00ed vysok\u00e9, ov\u0161em poji\u0161\u0165ovna mus\u00ed za vin\u00edka zaplatit n\u00e1klady l\u00e9\u010den\u00ed, u\u0161l\u00fd zisk, bolestn\u00e9 a trval\u00e9 n\u00e1sledky. Nav\u00edc mus\u00ed b\u00fdt nahrazena i nemajetkov\u00e1 \u00fajma na zdrav\u00ed a ta se v dne\u0161n\u00ed dob\u011b m\u016f\u017ee vy\u0161plhat do milion\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy n\u011bkdo zp\u016fsob\u00ed v\u00e1\u017enou dopravn\u00ed nehodu, kde bude v\u00edce zran\u011bn\u00fdch nebo snad dokonce usmrcen\u00fdch osob, nemus\u00ed z\u00e1konn\u00fd limit sta\u010dit. Nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed proto nemus\u00ed b\u00fdt to nejlep\u0161\u00ed a dosta\u010duj\u00edc\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak vybrat kvalitn\u00ed povinn\u00e9 ru\u010den\u00ed? A jak\u00e1 je <a href=\"https:\/\/www.vpojisteni.cz\/povinne-ruceni\/\"><strong>cena povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a>?&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ceny povinn\u00e9ho ru\u010den\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cenu povinn\u00e9ho ru\u010den\u00ed ovliv\u0148uje \u0159ada faktor\u016f. Ty souvisej\u00ed nejen s parametry vozidla, n\u00fdbr\u017e i se samotn\u00fdm poji\u0161t\u011bn\u00fdm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 poji\u0161\u0165ovna sice pro v\u00fdpo\u010det ceny povinn\u00e9ho ru\u010den\u00ed pou\u017e\u00edv\u00e1 jin\u00e9 parametry, nicm\u00e9n\u011b obecn\u011b se d\u00e1 \u0159\u00edci, \u017ee cenu povinn\u00e9ho ru\u010den\u00ed ovliv\u0148uj\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>typ vozidla (auto, motorka, autobus)<\/li>\n\n\n\n<li>v\u00fdkon a objem motoru<\/li>\n\n\n\n<li>\u00fa\u010del vyu\u017eit\u00ed vozidla (osobn\u00ed, slu\u017eebn\u00ed, taxi)<\/li>\n\n\n\n<li>konkr\u00e9tn\u00ed model vozidla<\/li>\n\n\n\n<li>st\u00e1\u0159\u00ed vozidla<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Co se t\u00fdk\u00e1 osoby poji\u0161t\u011bn\u00e9ho, pak rozhoduje jeho v\u011bk, bydli\u0161t\u011b a d\u00e9lka beze\u0161kodn\u00edho obdob\u00ed. Z\u00e1kladn\u00ed pravidlo poji\u0161\u0165oven \u0159\u00edk\u00e1, \u017ee kdo v\u00edce bour\u00e1, v\u00edce plat\u00ed. Stejn\u011b tak v\u00edce plat\u00ed lid\u00e9 z v\u011bt\u0161\u00edch m\u011bst, proto\u017ee tam je riziku vzniku nehod vy\u0161\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed tedy maj\u00ed lid\u00e9 z men\u0161\u00edch m\u011bst, kte\u0159\u00ed nebouraj\u00ed.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/1JiviD_D63Dacvz4vcY6WnNhRqpvlDj44afSaZAUy4ig42V3mBAoJEwQHMzaO8GIZeS2zdeZjvpbpCDIqUAavMeHCFhhpDwKQn2hkZonk4ZOQywfULuJfPytAJBaFt8_peUcYHFZRRxxXodKUyqjPg\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Cena povinn\u00e9ho ru\u010den\u00ed z\u00e1vis\u00ed na mnoha faktorech. Mezi jin\u00fdmi na objemu motoru a st\u00e1\u0159\u00ed vozidla.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Hled\u00e1te to nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed pro V\u00e1\u0161 v\u016fz? Vyu\u017eijte srovn\u00e1va\u010d poji\u0161t\u011bn\u00ed a vyberte si vhodn\u00e9 <a href=\"https:\/\/www.povinne-ruceni.com\/\">povinn\u00e9 ru\u010den\u00ed<\/a> p\u0159esn\u011b pro V\u00e1s.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vybrat povinn\u00e9 ru\u010den\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nab\u00eddka na trhu je pom\u011brn\u011b \u0161irok\u00e1 a n\u011bkdy nen\u00ed snadn\u00e9 se v n\u00ed vyznat. Sta\u010d\u00ed z\u00e1kladn\u00ed povinn\u00e9 ru\u010den\u00ed, nebo je lep\u0161\u00ed si p\u0159iplatit? Na to nen\u00ed jednoduch\u00e1 odpov\u011b\u010f. D\u00e1 se v\u0161ak \u0159\u00edci, \u017ee sv\u00e1te\u010dn\u00edmu \u0159idi\u010di z\u00e1kladn\u00ed povinn\u00e9 ru\u010den\u00ed bude sta\u010dit. Naopak kdo jezd\u00ed \u010dasto, m\u011bl by p\u0159em\u00fd\u0161let i p\u0159ipoji\u0161t\u011bn\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ipoji\u0161t\u011bn\u00ed toti\u017e zahrnuje asisten\u010dn\u00ed a dal\u0161\u00ed slu\u017eby, kter\u00e9 se v p\u0159\u00edpad\u011b probl\u00e9mu na silnici v\u017edycky hod\u00ed. Ka\u017ed\u00fd motorista by m\u011bl tedy zv\u00e1\u017eit, jak\u00fd rozsah slu\u017eeb pot\u0159ebuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i v\u00fdb\u011bru povinn\u00e9ho ru\u010den\u00ed je t\u0159eba se zam\u011b\u0159it na 3 d\u016fle\u017eit\u00e9 parametry:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pom\u011br cena a rozsah slu\u017eeb (obsah poji\u0161t\u011bn\u00ed)<\/li>\n\n\n\n<li>limity pojistn\u00e9ho pln\u011bn\u00ed<\/li>\n\n\n\n<li>mo\u017enosti p\u0159ipoji\u0161t\u011bn\u00ed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V cen\u00e1ch povinn\u00e9ho ru\u010den\u00ed jednotliv\u00fdch poji\u0161\u0165oven jsou zna\u010dn\u00e9 rozd\u00edly. Proto se vyplat\u00ed vyu\u017e\u00edt <a href=\"https:\/\/www.123ruceni.cz\/pojisteni-vozidel\/\"><strong>srovn\u00e1va\u010d povinn\u00e9ho ru\u010den\u00ed<\/strong><\/a>. Po zad\u00e1n\u00ed z\u00e1kladn\u00edch parametr\u016f o vozidle a poji\u0161t\u011bn\u00e9m syst\u00e9m b\u011bhem p\u00e1r minut vygeneruje nab\u00eddky v\u0161ech poji\u0161\u0165oven se srovn\u00e1n\u00edm rozsahu nab\u00edzen\u00fdch slu\u017eeb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdhodou srovn\u00e1va\u010d\u016f poji\u0161t\u011bn\u00ed je, \u017ee poji\u0161t\u011bn\u00ed je mo\u017en\u00e9 rovnou sjednat. Poji\u0161t\u011bn\u00fd nav\u00edc p\u0159i online sjedn\u00e1n\u00ed dostane slevu na pojistn\u00e9m. U\u0161et\u0159\u00ed tak nejen \u010das, n\u00fdbr\u017e i pen\u00edze.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro srovn\u00e1n\u00ed cen nejen povinn\u00e9ho ru\u010den\u00ed lze vyu\u017e\u00edt <a href=\"https:\/\/www.vpojisteni.cz\/\"><strong>srovn\u00e1va\u010d poji\u0161t\u011bn\u00ed Vpojisteni.cz<\/strong><\/a>. Nikdo p\u0159ece nechce platit v\u00edce ne\u017e mus\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Povinn\u00e9 ru\u010den\u00ed nikdo neplat\u00ed r\u00e1d. Av\u0161ak nejlevn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed nemus\u00ed b\u00fdt v\u017edycky spr\u00e1vnou volbou. Jak vybrat kvalitn\u00ed povinn\u00e9 ru\u010den\u00ed a z\u00e1rove\u0148 neplatit p\u0159\u00edli\u0161?&nbsp; Povinn\u00e9 ru\u010den\u00ed je z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vozidla. To znamen\u00e1, \u017ee kdo chce vyjet na silnici, mus\u00ed povinn\u00e9 ru\u010den\u00ed m\u00edt. K \u010demu vlastn\u011b povinn\u00e9 ru\u010den\u00ed slou\u017e\u00ed? Je to jednoduch\u00e9. Pokud motorista zp\u016fsob\u00ed dopravn\u00ed nehodu, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-707","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/707","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=707"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/707\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/708"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=707"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=707"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}