{"id":6132,"date":"2021-08-22T11:02:00","date_gmt":"2021-08-22T09:02:00","guid":{"rendered":"http:\/\/dg.daniellatal.cz\/?p=6132"},"modified":"2023-01-03T11:11:31","modified_gmt":"2023-01-03T10:11:31","slug":"uskali-zmeny-vyse-pojistneho","status":"publish","type":"post","link":"https:\/\/dg.daniellatal.cz\/index.php\/2021\/08\/22\/uskali-zmeny-vyse-pojistneho\/","title":{"rendered":"\u00daskal\u00ed zm\u011bny v\u00fd\u0161e pojistn\u00e9ho"},"content":{"rendered":"\n

Mgr. Karel Gerhardt, <\/em><\/strong>advok\u00e1tn\u00ed koncipient<\/em><\/p>\n\n\n\n

\u00davod<\/strong><\/p>\n\n\n\n

V\u00edte, na z\u00e1klad\u011b, jak\u00fdch skute\u010dnost\u00ed doch\u00e1z\u00ed ka\u017edoro\u010dn\u011b k zv\u00fd\u0161en\u00ed Va\u0161eho pojistn\u00e9ho, a jak m\u00e1 b\u00fdt ze strany poji\u0161\u0165ovny ozn\u00e1meno?<\/p>\n\n\n\n

Tyto informace se dozv\u00edte v na\u0161em kr\u00e1tk\u00e9m p\u0159\u00edsp\u011bvku, kter\u00fd V\u00e1m bl\u00ed\u017ee objasn\u00ed problematiku zvy\u0161ov\u00e1n\u00ed pojistn\u00e9ho a jeho \u00faskal\u00ed.<\/p>\n\n\n\n

Na z\u00e1klad\u011b \u010deho poji\u0161\u0165ovny novou v\u00fd\u0161i pojistn\u00e9ho ur\u010duj\u00ed?<\/strong><\/p>\n\n\n\n

Ka\u017edoro\u010dn\u00ed placen\u00ed pojistn\u00e9ho se t\u00fdk\u00e1 v\u011bt\u0161iny obyvatel \u010cR. Jedn\u00edm z b\u011b\u017en\u00fdch typ\u016f poji\u0161t\u011bn\u00ed je z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed vozidel neboli povinn\u00e9 ru\u010den\u00ed. Pro zaj\u00edmavost v \u010cR p\u0159ipad\u00e1 celkem 573 aut na 1000 obyvatel. V\u00fd\u0161e pojistn\u00e9ho u povinn\u00e9ho ru\u010den\u00ed se m\u011bn\u00ed t\u00e9m\u011b\u0159 ka\u017ed\u00fd rok. Z\u00e1konod\u00e1rce upravil problematiku zvy\u0161ov\u00e1n\u00ed pojistn\u00e9ho v \u00a7 2785 a n\u00e1sl. ob\u010dansk\u00e9ho z\u00e1kon\u00edku.<\/p>\n\n\n\n

Dle z\u00e1kona na z\u00e1klad\u011b zm\u011bny rozhodn\u00fdch podm\u00ednek. Rozhodn\u00e9 podm\u00ednky jsou u povinn\u00e9ho ru\u010den\u00ed nap\u0159\u00edklad zv\u00fd\u0161en\u00ed cen oprav za auta \u010di zv\u00fd\u0161en\u00ed ceny sou\u010d\u00e1stek, atd. <\/p>\n\n\n\n

Zm\u011bnu v\u00fd\u0161i pojistn\u00e9ho mus\u00ed poji\u0161\u0165ovna sd\u011blit pojistn\u00edkovi nejpozd\u011bji dva m\u011bs\u00edce p\u0159ed dnem splatnosti pojistn\u00e9ho za pojistn\u00e9 obdob\u00ed, ve kter\u00e9m se m\u00e1 v\u00fd\u0161e pojistn\u00e9ho zm\u011bnit.  A\u010dkoliv se zd\u00e1 tato formulace celkem jasn\u00e1, m\u00e1 jeden z\u00e1sadn\u00ed nedostatek, neur\u010duje, jakou formou m\u00e1 doj\u00edt pr\u00e1v\u011b k onomu sd\u011blen\u00ed zv\u00fd\u0161en\u00ed pojistn\u00e9ho.<\/p>\n\n\n\n

Kde je h\u00e1\u010dek\u2026<\/strong><\/p>\n\n\n\n

Spousta z\u00e1kazn\u00edk\u016f poji\u0161\u0165oven m\u00e1 sjedn\u00e1no zas\u00edl\u00e1n\u00ed ve\u0161ker\u00e9 komunikace s poji\u0161\u0165ovnou na email nam\u00edsto zas\u00edl\u00e1n\u00ed dopisem na adresu sv\u00e9ho bydli\u0161t\u011b. Jeliko\u017e je komunikace skrze email pro poji\u0161\u0165ovny zdarma, jsme ob\u010das a\u017e zbyte\u010dn\u011b zahlceni emaily s r\u016fzn\u00fdmi sd\u011blen\u00ed, kter\u00e9 zpravidla ani ne\u010dteme a \u010dasto mohou zapadnout do tzv. spamu.<\/p>\n\n\n\n

Jen\u017ee jeden z t\u011bchto email\u016f m\u016f\u017ee b\u00fdt pr\u00e1v\u011b on\u00edm sd\u011blen\u00edm o zv\u00fd\u0161en\u00ed pojistn\u00e9ho. Pokud poji\u0161t\u011bnec nesouhlas\u00ed se zv\u00fd\u0161en\u00edm pojistn\u00e9ho, mus\u00ed ozn\u00e1mit sv\u016fj nesouhlas nejpozd\u011bji do jednoho m\u011bs\u00edce poji\u0161\u0165ovn\u011b, v opa\u010dn\u00e9m p\u0159\u00edpad\u011b se p\u0159edpokl\u00e1d\u00e1, \u017ee se zv\u00fd\u0161en\u00edm souhlas\u00ed. <\/p>\n\n\n\n

St\u00e1v\u00e1 se bohu\u017eel b\u011b\u017enou prax\u00ed, \u017ee poji\u0161\u0165ovny zv\u00fd\u0161\u00ed pojistn\u00e9 i o dvojn\u00e1sobek p\u016fvodn\u00ed v\u00fd\u0161e a \u010dekaj\u00ed, jestli si z\u00e1kazn\u00edk sd\u011blen\u00ed v\u0161imne. V n\u011bkter\u00fdch p\u0159\u00edpadech dokonce poji\u0161\u0165ovny sami napom\u00e1haj\u00ed tomu, aby sd\u011blen\u00ed o zv\u00fd\u0161en\u00ed pojistn\u00e9ho zapadlo poji\u0161t\u011bnci do spamu v emailu. D\u011bje se tak nap\u0159\u00edklad ozna\u010den\u00edm emailu nic ne\u0159\u00edkaj\u00edc\u00edm n\u00e1zvem, kter\u00fd p\u016fsob\u00ed jako jin\u00e9 b\u011b\u017en\u00e9 sd\u011blen\u00ed od poji\u0161\u0165ovny, kter\u00e9 dojde z\u00e1kazn\u00edkovi n\u011bkolikr\u00e1t za m\u011bs\u00edc.<\/p>\n\n\n\n

Takov\u00e9 jedn\u00e1n\u00ed je v rozporu s p\u0159edpisy na ochranu spot\u0159ebitele a tak\u00e9 v rozporu s dobr\u00fdmi mravy, co\u017e je dle na\u0161eho n\u00e1zoru v pr\u00e1vn\u00edm st\u00e1t\u011b nep\u0159\u00edpustn\u00e9.<\/p>\n\n\n\n

\u0158e\u0161\u00edte obdobn\u00fd probl\u00e9m? Nev\u00e1hejte n\u00e1s kontaktovat. Na\u0161e kancel\u00e1\u0159 je schopna V\u00e1m nab\u00eddnout \u0159e\u0161en\u00ed, aby nedo\u0161lo k zv\u00fd\u0161en\u00ed pojistn\u00e9ho o nep\u0159im\u011b\u0159enou v\u00fd\u0161i. <\/p>\n\n\n\n

Nep\u00ed\u0161eme poh\u00e1dky, d\u011bl\u00e1me pr\u00e1vo!<\/strong><\/em><\/p>\n\n\n\n

Mgr. Karel Gerhardt <\/strong>advok\u00e1tn\u00ed koncipient<\/p>\n\n\n\n

advok\u00e1tn\u00ed kancel\u00e1\u0159 Mgr. Daniela Grimma<\/strong>
Jan\u00e1\u010dkova 1089\/20, 702 00 Ostrava
tel: + 420 770 114 524
ID datov\u00e9 schr\u00e1nky: yz96uej
www.danielgrimm.cz<\/a> I FACEBOOK<\/a> I Instagram<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Mgr. Karel Gerhardt, advok\u00e1tn\u00ed koncipient \u00davod V\u00edte, na z\u00e1klad\u011b, jak\u00fdch skute\u010dnost\u00ed doch\u00e1z\u00ed ka\u017edoro\u010dn\u011b k zv\u00fd\u0161en\u00ed Va\u0161eho pojistn\u00e9ho, a jak m\u00e1 b\u00fdt ze strany poji\u0161\u0165ovny ozn\u00e1meno? Tyto informace se dozv\u00edte v na\u0161em kr\u00e1tk\u00e9m p\u0159\u00edsp\u011bvku,…<\/p>\n","protected":false},"author":4,"featured_media":6133,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,41],"tags":[55,57],"class_list":["post-6132","post","type-post","status-publish","format-standard","has-post-thumbnail","category-clanky","category-financni-pravo","tag-finance","tag-pojisteni"],"_links":{"self":[{"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/posts\/6132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/comments?post=6132"}],"version-history":[{"count":1,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/posts\/6132\/revisions"}],"predecessor-version":[{"id":6134,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/posts\/6132\/revisions\/6134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/media\/6133"}],"wp:attachment":[{"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/media?parent=6132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/categories?post=6132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dg.daniellatal.cz\/index.php\/wp-json\/wp\/v2\/tags?post=6132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}