{"id":20762,"date":"2015-04-08T11:18:41","date_gmt":"2015-04-08T09:18:41","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=20762"},"modified":"2015-04-08T11:18:41","modified_gmt":"2015-04-08T09:18:41","slug":"pojistovny-ohrozuji-ridice-druhovyroba-montovana-do-aut-muze-zvysit-riziko-zraneni-i-smrti","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=20762","title":{"rendered":"Poji\u0161\u0165ovny ohro\u017euj\u00ed \u0159idi\u010de. Druhov\u00fdroba montovan\u00e1 do aut m\u016f\u017ee zv\u00fd\u0161it riziko zran\u011bn\u00ed i smrti"},"content":{"rendered":"

V\u00a0drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f neplat\u00ed poji\u0161\u0165ovny opravy nabouran\u00fdch aut cel\u00e9. N\u00e1rok posti\u017een\u00e9ho \u0159idi\u010de na n\u00e1hradu \u0161kody b\u011b\u017en\u011b kr\u00e1t\u00ed a\u017e o t\u0159etinu. Levn\u00e9 d\u00edly z\u00a0druhov\u00fdroby jsou pak pro servisy i pro \u0161okovan\u00e9 \u0159idi\u010de jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm. <\/b><\/span><\/p>\n

Autod\u00edly vyroben\u00e9 zejm\u00e9na v\u00a0\u010c\u00edn\u011b v\u0161ak nikdy nepro\u0161ly z\u00e1t\u011b\u017eov\u00fdmi testy! U v\u00fdztuh nebo blatn\u00edk\u016f pak sta\u010d\u00ed i mal\u00fd n\u00e1raz k\u00a0ohro\u017een\u00ed \u017eivot\u016f.<\/b><\/span><\/p>\n

Ka\u017ed\u00e9 vozidlo je v\u00fdrobcem navrhov\u00e1no s\u00a0ohledem na maxim\u00e1ln\u00ed bezpe\u010dnost \u0159idi\u010de, spolujezdc\u016f i okol\u00ed. <\/span>L\u00e9ta vyv\u00edjen\u00e9 a prov\u011b\u0159ovan\u00e9 technologie v\u0161ak z\u00a0bouran\u00fdch aut miz\u00ed. Kv\u016fli n\u00edzkon\u00e1kladov\u00e9 politice \u010desk\u00fdch poji\u0161\u0165oven je v\u00a0servisech nahrazuje levn\u011bj\u0161\u00ed druhov\u00fdroba.<\/b><\/span> Bez jak\u00fdchkoli crash test\u016f, kter\u00e9 prov\u00e1d\u011bj\u00ed pouze automobilky, bez ochrann\u00fdch vlastnost\u00ed, \u017eivotnosti a prov\u011b\u0159en\u00e9 kvality neust\u00e1le navy\u0161uj\u00ed d\u00edly z\u00a0aftermarket\u016f nebezpe\u010d\u00ed \u00faraz\u016f na \u010desk\u00fdch silnic\u00edch. <\/span><\/p>\n

\u201e<\/span>A\u010dkoli m\u00e1 ka\u017ed\u00fd po\u0161kozen\u00fd \u0159idi\u010d pr\u00e1vo na opravy z\u00a0origin\u00e1ln\u00edch d\u00edl\u016f, praxe poji\u0161\u0165oven je zcela opa\u010dn\u00e1. Sv\u00e9 smluvn\u00ed servisy nut\u00ed do mont\u00e1\u017ee lacin\u00fdch d\u00edl\u016f, kter\u00e9 zdaleka nedok\u00e1\u017eou pohltit energii n\u00e1razu jako origin\u00e1ly. A p\u0159\u00edpadn\u00e9 dra\u017e\u0161\u00ed opravy z origin\u00e1ln\u00edch d\u00edl\u016f zase odm\u00edtaj\u00ed propl\u00e1cet. Nastolen\u00fdm trendem tak poji\u0161\u0165ovny ohro\u017euj\u00ed \u017eivoty v\u0161ech \u00fa\u010dastn\u00edk\u016f provozu!\u201c<\/span><\/span> prohl\u00e1sil Tom\u00e1\u0161 Med\u0159ick\u00fd, \u0159editel port\u00e1lu ePohled\u00e1vky.cz, kde<\/span> advok\u00e1ti \u0159e\u0161\u00ed a\u017e 30 st\u00ed\u017enost\u00ed na kr\u00e1cen\u00ed pojistn\u00e9ho pln\u011bn\u00ed denn\u011b. <\/b><\/span><\/p>\n

Na tom, \u017ee poji\u0161\u0165ovny p\u0159i oprav\u00e1ch voz\u016f uplat\u0148uj\u00ed ceny aftermarketov\u00fdch d\u00edl\u016f, se shoduje mnoho expert\u016f p\u0159izvan\u00fdch k soudn\u00edm spor\u016fm. Osoba po\u0161kozen\u00e1 vin\u00edkem nehody tak obvykle nese nejenom z\u00e1t\u011b\u017e nepoj\u00edzdn\u00e9ho automobilu, ale tak\u00e9 ekonomickou z\u00e1t\u011b\u017e n\u00edzk\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed, kter\u00e9 nepokryje ani odpov\u00eddaj\u00edc\u00ed opravy. <\/span>Obhajoba poji\u0161\u0165oven se op\u00edr\u00e1 o tvrzen\u00ed, \u017ee z hodnoty n\u00e1klad\u016f na servis je t\u0159eba ode\u010d\u00edst \u201ezhodnocen\u00ed vozidla opravou\u201c. V naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f ale podle odborn\u00edk\u016f naopak bouran\u00fd automobil na hodnot\u011b ztr\u00e1c\u00ed.<\/b><\/span><\/p>\n

Nef\u00e9r jedn\u00e1n\u00ed poji\u0161\u0165oven, kter\u00e9 trv\u00e1 u\u017e od 90. let a ohro\u017euje \u017eivoty na \u010desk\u00fdch silnic\u00edch, potvrzuje tak\u00e9 nez\u00e1visl\u00fd soudn\u00ed znalec Anton\u00edn Posp\u00edchal. <\/span>\u201eProv\u00e9st opravu k\u00a0odstran\u011bn\u00ed n\u00e1sledk\u016f hav\u00e1rie posuzovan\u00e9ho vozidla za pou\u017eit\u00ed neorigin\u00e1ln\u00edch d\u00edl\u016f je dle m\u00e9ho n\u00e1zoru naprosto nep\u0159\u00edpustn\u00e9,\u201c<\/b><\/span><\/span> uv\u00e1d\u00ed Posp\u00edchal ve sv\u00e9m posudku k\u00a0soudn\u00ed p\u0159i \u017ealobce a poji\u0161\u0165ovny.<\/b><\/span> \u201eTypick\u00fdm p\u0159\u00edkladem m\u016f\u017ee b\u00fdt neorigin\u00e1ln\u00ed n\u00e1razn\u00edk, kter\u00fd se vinou pou\u017eit\u00e9ho materi\u00e1lu rozlom\u00ed, m\u00edsto toho, aby se plasticky deformoval a pohlcoval energii, co\u017e je d\u016fle\u017eit\u00e9 zejm\u00e9na p\u0159i st\u0159etu s chodcem. Obdobn\u011b to plat\u00ed pro deformaci ostatn\u00edch d\u00edl\u016f, blatn\u00edk\u016f, kapoty, \u010deln\u00edho skla a tak d\u00e1le. Pr\u016fb\u011bh deformace t\u011bchto d\u00edl\u016f p\u0159i nehod\u011b m\u00e1 vliv mimo jin\u00e9 na spr\u00e1vnou aktivaci airbag\u016f,\u201c <\/span><\/span>upozornil Anton\u00edn Posp\u00edchal.<\/span><\/p>\n

Navzdory za\u017eit\u00e9mu jedn\u00e1n\u00ed poji\u0161\u0165oven je podle Posp\u00edchala mo\u017en\u00e9 za obvyklou cenu opravy vozidla<\/b><\/span> <\/b>v\u00fdhradn\u011b pova\u017eovat standardn\u011b kalkulovanou cenu opravy v autorizovan\u00e9m servisu v\u00fdrobce vozidla.<\/b><\/span> P\u0159esto se v\u00a0dlouhodob\u00e9 atmosf\u00e9\u0159e neplat\u00edc\u00edch poji\u0161\u0165oven stala mont\u00e1\u017e d\u00edl\u016f z druhov\u00fdroby nebezpe\u010dn\u00fdm standardem. <\/span><\/p>\n

\u201e<\/span>Ro\u010dn\u011b se na \u010desk\u00fdch silnic\u00edch p\u0159ihod\u00ed kolem 700\u00a0tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed. <\/span><\/span>Z vybran\u00e9 sumy na povinn\u00e9m ru\u010den\u00ed v\u0161ak poji\u0161\u0165ovny vr\u00e1t\u00ed do ob\u011bhu v r\u00e1mci autonehod jen 56 procent. Rozd\u00edl mezi vybran\u00fdm a vyplacen\u00fdm pojistn\u00fdm tak \u010dinn\u00ed 10 miliard korun. Nap\u0159\u00edklad n\u011bmeck\u00e9 poji\u0161\u0165ovny vypl\u00e1cej\u00ed v\u00a0pojistn\u00e9m pln\u011bn\u00ed 98 procent takto z\u00edskan\u00fdch p\u0159\u00edjm\u016f,\u201c <\/b><\/span><\/span>porovnal Tom\u00e1\u0161 Med\u0159ick\u00fd.<\/span><\/p>\n

Posti\u017een\u00ed \u0159idi\u010di, kte\u0159\u00ed odolaj\u00ed nab\u00eddce poji\u0161\u0165ovny d\u00e1t auto do smluvn\u00edho servisu a trvaj\u00ed na oprav\u011b ve sv\u00e9m obl\u00edben\u00e9m nebo autorizovan\u00e9m servisu, se sice vyhnou mont\u00e1\u017ei nekvalitn\u00edch sou\u010d\u00e1stek, ale <\/span>b\u00fdvaj\u00ed nemile zasko\u010deni po vy\u00fa\u010dtov\u00e1n\u00ed oprav poji\u0161\u0165ovn\u011b. Na jejich bankovn\u00ed \u00fa\u010det toti\u017e p\u0159ijdou pouh\u00e9 dv\u011b t\u0159etiny deklarovan\u00e9 sumy<\/b><\/span>. V\u00a0p\u00edsemn\u00e9m Ozn\u00e1men\u00ed o likvidaci pojistn\u00e9 ud\u00e1losti pot\u00e9 <\/span>naleznou minusovou polo\u017eku nazvanou \u201ekorekce n\u00e1klad\u016f\u201c nebo \u201esr\u00e1\u017eka zohled\u0148uj\u00edc\u00ed obchodn\u00ed cenov\u00e9 rozp\u011bt\u00ed n\u00e1hradn\u00edch d\u00edl\u016f na trhu\u201c. Poka\u017ed\u00e9 jde o sn\u00ed\u017een\u00ed pojistn\u00e9ho pln\u011bn\u00ed a\u017e o 30 procent podle\u00a0neopr\u00e1vn\u011bn\u00e9ho tvrzen\u00ed, \u017ee lze pro opravu sehnat a pou\u017e\u00edt i lacin\u011bj\u0161\u00ed (nekvalitn\u00ed) materi\u00e1l.<\/b><\/span><\/p>\n

Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody na nabouran\u00e9m vozidle \u010din\u00ed 40 tis\u00edc korun, p\u0159i\u010dem\u017e ,amortizace\u2018 poji\u0161\u0165ovny \u010d\u00e1stku pon\u00ed\u017e\u00ed o 15 tis\u00edc.<\/b><\/span> \u201eVz\u00e1cnou v\u00fdjimku tvo\u0159\u00ed pouze nov\u00e1 auta v\u00a0z\u00e1ruce,\u201c<\/b><\/span><\/span> uvedl David Bascheri, advok\u00e1t<\/b><\/span> spolupracuj\u00edc\u00ed s\u00a0port\u00e1lem ePohled\u00e1vky.cz. <\/span>\u201eKrom\u011b z\u00e1ruky na d\u00edly jako takov\u00e9, kter\u00e1 b\u00fdv\u00e1 t\u0159i roky, nese v\u00fdrobce vozidla tak\u00e9 desetiletou odpov\u011bdnost za vadu v\u00fdrobku. <\/span><\/span>P\u0159i oprav\u00e1ch z\u00a0origin\u00e1ln\u00edch d\u00edl\u016f z\u016fst\u00e1vaj\u00ed ve\u0161ker\u00e9 z\u00e1ruky v\u00fdrobce zachov\u00e1ny. Pokud je v\u0161ak auto opravov\u00e1no d\u00edly z\u00a0druhov\u00fdroby, z\u00e1ruka \u010d\u00e1ste\u010dn\u011b nebo zcela zanik\u00e1,\u201c<\/b><\/span><\/span> varoval Bascheri. <\/b><\/span><\/p>\n

\u201e<\/span>Lid\u00e9 si paradoxn\u011b mysl\u00ed, \u017ee poji\u0161\u0165ovny jsou n\u011bjak\u00e1 st\u00e1tn\u00ed instituce, proti n\u00ed\u017e nic nezm\u016f\u017eou. Nen\u00ed to pravda, jedn\u00e1 se o soukrom\u00e9 firmy, kter\u00e9 sv\u00fdmi nekal\u00fdmi praktikami na \u0159idi\u010d\u00edch vyd\u011bl\u00e1vaj\u00ed miliardy korun. A nejenom to, nyn\u00ed u\u017e jde skute\u010dn\u011b o lidsk\u00e9 \u017eivoty,\u201c <\/span><\/span>m\u00edn\u00ed Tom\u00e1\u0161 Med\u0159ick\u00fd.<\/span> \u201e<\/span><\/span>Soudn\u00ed spory s\u00a0poji\u0161\u0165ovnami trvaj\u00ed v\u00a0pr\u016fm\u011bru dva roky, ale v\u017edy vyhrajeme a poji\u0161\u0165ovna klientovi poka\u017ed\u00e9 zaplat\u00ed. S jistotou vym\u00e1h\u00e1me i \u010dty\u0159i roky star\u00e9 p\u0159\u00edpady, anebo pohled\u00e1vky rovnou vykupujeme.<\/b><\/span><\/span> Takov\u00e9 jedn\u00e1n\u00ed by si nikdo nem\u011bl nechat l\u00edbit.\u201c<\/span><\/span><\/p>\n

tiskov\u00e1 zpr\u00e1va NEED4CONNEXIONS, s.r.o.<\/p>\n","protected":false},"excerpt":{"rendered":"

V\u00a0drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f neplat\u00ed poji\u0161\u0165ovny opravy nabouran\u00fdch aut cel\u00e9. N\u00e1rok posti\u017een\u00e9ho \u0159idi\u010de na n\u00e1hradu \u0161kody b\u011b\u017en\u011b kr\u00e1t\u00ed a\u017e o t\u0159etinu. Levn\u00e9 d\u00edly z\u00a0druhov\u00fdroby jsou pak […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14188,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-20762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spolecnost"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/20762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20762"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/20762\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14188"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}