[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.taw.sk\/poistenie-zodpovednosti-za-skodu\/#Article","mainEntityOfPage":"https:\/\/www.taw.sk\/poistenie-zodpovednosti-za-skodu\/","headline":"Poistenie zodpovednosti za \u0161kodu","name":"Poistenie zodpovednosti za \u0161kodu","description":"Zmluva o poisten\u00ed zodpovednosti za \u0161kodu je dohoda medzi poisten\u00fdm a pois\u0165ov\u0148ou, ktor\u00e1 zabezpe\u010duje, \u017ee uhrad\u00ed \u0161kodu, ktor\u00fa poisten\u00fd sp\u00f4sob\u00ed tretej strane. Tento typ poistenia chr\u00e1ni poisten\u00e9ho pred finan\u010dn\u00fdmi n\u00e1sledkami \u0161k\u00f4d, ktor\u00e9 m\u00f4\u017ee sp\u00f4sobi\u0165 na majetku, zdrav\u00ed alebo \u017eivote in\u00fdch os\u00f4b. Medzi tak\u00e9 be\u017en\u00e9 pr\u00edpady \u0161k\u00f4d, ktor\u00e9 m\u00f4\u017eu by\u0165 pokryt\u00e9 touto zmluvou, s\u00fa napr\u00edklad: \u0161kody […]","datePublished":"2024-09-08","dateModified":"2024-09-08","author":{"@type":"Person","@id":"https:\/\/www.taw.sk\/author\/#Person","name":"","url":"https:\/\/www.taw.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"taw.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.taw.sk\/wp-content\/uploads\/laptop-3196481_640_10_3.jpg","url":"https:\/\/www.taw.sk\/wp-content\/uploads\/laptop-3196481_640_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.taw.sk\/poistenie-zodpovednosti-za-skodu\/","about":["Business"],"wordCount":501,"articleBody":"   Zmluva o poisten\u00ed zodpovednosti za \u0161kodu je dohoda medzi poisten\u00fdm a pois\u0165ov\u0148ou, ktor\u00e1 zabezpe\u010duje, \u017ee uhrad\u00ed \u0161kodu, ktor\u00fa poisten\u00fd sp\u00f4sob\u00ed tretej strane. Tento typ poistenia chr\u00e1ni poisten\u00e9ho pred finan\u010dn\u00fdmi n\u00e1sledkami \u0161k\u00f4d, ktor\u00e9 m\u00f4\u017ee sp\u00f4sobi\u0165 na majetku, zdrav\u00ed alebo \u017eivote in\u00fdch os\u00f4b. Medzi tak\u00e9 be\u017en\u00e9 pr\u00edpady \u0161k\u00f4d, ktor\u00e9 m\u00f4\u017eu by\u0165 pokryt\u00e9 touto zmluvou, s\u00fa napr\u00edklad: \u0161kody na majetku sp\u00f4sobenou po\u017eiarom, ktor\u00fd po\u0161kod\u00ed aj susedn\u00e9 domy. Alebo pokia\u013e m\u00e1te predaj\u0148u, do ktorej ved\u00fa schody a v zimn\u00fdch mesiacoch bud\u00fa zamrznut\u00e9, a d\u00f4jde na t\u00fdch schodoch k zraneniu osoby. \u010ealej tu patria \u0161kody sp\u00f4soben\u00e9 chybne vykonanou pr\u00e1cou, napr\u00edklad ak by kadern\u00ed\u010dka pri pou\u017e\u00edvan\u00ed r\u00f4znych pr\u00edpravkov sp\u00f4sob\u00ed klientovi v\u00e1\u017enu alergick\u00fa reakciu. Tie\u017e v\u00e1s t\u00e1to zmluva chr\u00e1ni ak v\u00e1\u0161 zamestnanec po\u0161kod\u00ed slu\u017eobn\u00e9 auto pri napr\u00edklad c\u00favan\u00ed. V\u00fd\u0161ka ceny sp\u00f4sobenou \u0161kodou sa ur\u010duje pod\u013ea viacer\u00fdch krit\u00e9ri\u00ed. V\u00fd\u0161ka n\u00e1hrady na \u0161kode na majetku sa ur\u010duje pod\u013ea ceny veci v \u010dase po\u0161kodenia a nie pod\u013ea ceny nadobudnutia. Ak ale nie je mo\u017en\u00e9 ur\u010di\u0165 cenu veci, vych\u00e1dza sa pod\u013ea n\u00e1kladov na obstarania rovnakej alebo podobnej veci. Pri ur\u010dovan\u00ed ceny pri nemajetkovej ujmy sa v\u00fd\u0161ka n\u00e1hrady zoh\u013ead\u0148uje pod\u013ea z\u00e1va\u017enosti ujmy a okolnost\u00ed, ta ktor\u00fd k nej do\u0161lo. Taktie\u017e sa posudzuj\u00fa n\u00e1sledky pre po\u0161koden\u00e9ho v s\u00fakromnom a spolo\u010denskom \u017eivote. T\u00e1to zmluva pokr\u00fdva ak \u0161koda sp\u00f4sobila u\u0161l\u00fd zisk, pokia\u013e osobit\u00fd predpis neustanovuje inak. Poistenie sa nevz\u0165ahuje za \u0161kodu, ktor\u00fa sp\u00f4sobia profesion\u00e1lni vojaci pri v\u00fdkone svojej pr\u00e1ce v \u0161t\u00e1tnej slu\u017ebe profesion\u00e1lnych vojakov ozbrojen\u00fdch s\u00edl SR.Tak tie\u017e sa nevz\u0165ahuje na zodpovednos\u0165 poisten\u00e9ho za \u0161kodu sp\u00f4soben\u00fa \u00famyselne, vedomou nedbanlivos\u0165ou alebo sp\u00f4soben\u00fa po po\u017eit\u00ed alkoholu alebo po po\u017eit\u00ed in\u00fdch psychotropn\u00fdch alebo omamn\u00fdch l\u00e1tok alebo lieku s varovn\u00fdm symbolom. Nevz\u0165ahuje sa za vzniknut\u00fa v pr\u00ed\u010dinnej s\u00favislosti s vojnou, inv\u00e1ziou, ozbrojen\u00fdmi udalos\u0165ami ak\u00e9hoko\u013evek druhu s vyhl\u00e1sen\u00edm alebo bez vyhl\u00e1senia vojny, ob\u010dianskou vojnou, reb\u00e9liou, revol\u00faciou, vojensk\u00fdm alebo \u013eudov\u00fdm povstan\u00edm, vzburou, ob\u010dianskym nepokojom, vojensk\u00fdm alebo nez\u00e1konn\u00fdm pu\u010dom, \u0161t\u00e1tnym prevratom, stann\u00fdm pr\u00e1vom, vojnov\u00fdm stavom, \u0161trajkom, v\u00fdlukou z pr\u00e1ce, terorizmom. Nevz\u0165ahuje sa na \u0161kodu vzniknut\u00fa kontamin\u00e1ciou vody, horn\u00edn, p\u00f4dy, ovzdu\u0161ia, fl\u00f3ry alebo fauny \u010falej \u0161kodu sp\u00f4soben\u00fa priamo alebo nepriamo jadrovou energiou, radi\u00e1ciou alebo r\u00e1dioakt\u00edvnou kontamin\u00e1ciou, azbestom alebo in\u00fdmi zdraviu \u0161kodliv\u00fdmi l\u00e1tkami alebo \u0161kodu sp\u00f4soben\u00fa prenosom v\u00edrusu HIV, prenosom a roz\u0161\u00edren\u00edm infek\u010dnej choroby.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poistenie zodpovednosti za \u0161kodu","item":"https:\/\/www.taw.sk\/poistenie-zodpovednosti-za-skodu\/#breadcrumbitem"}]}]