{"id":49664,"date":"2025-09-30T14:36:29","date_gmt":"2025-09-30T12:36:29","guid":{"rendered":"https:\/\/harlander-partner.eu\/sportske-nesrece\/osiguranje-od-odgovornosti-u-slucaju-skijaske-nesrece\/"},"modified":"2025-11-25T15:04:36","modified_gmt":"2025-11-25T14:04:36","slug":"osiguranje-od-odgovornosti-u-slucaju-skijaske-nesrece","status":"publish","type":"page","link":"https:\/\/harlander-partner.eu\/hr\/sportske-nesrece\/osiguranje-od-odgovornosti-u-slucaju-skijaske-nesrece\/","title":{"rendered":"Osiguranje od odgovornosti u slu\u010daju skija\u0161ke nesre\u0107e"},"content":{"rendered":"\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Osiguranje od odgovornosti<\/h2><ul><li><a href=\"#h-haftpflichtversicherung\" data-level=\"2\">Osiguranje od odgovornosti<\/a><\/li><li><a href=\"#h-haftung-bei-skiunfallen-nach-osterreichischem-recht\" data-level=\"2\">Odgovornost u slu\u010daju skija\u0161kih nesre\u0107a prema austrijskom pravu<\/a><\/li><li><a href=\"#h-deckungsumfang-der-haftpflichtversicherung\" data-level=\"2\">Opseg pokri\u0107a osiguranja od odgovornosti<\/a><\/li><li><a href=\"#h-besondere-vorteile-der-haftpflichtversicherung\" data-level=\"2\">Posebne prednosti osiguranja od odgovornosti<\/a><\/li><li><a href=\"#h-obliegenheit-zur-schadenmeldung\" data-level=\"2\">Obveza prijave \u0161tete<\/a><\/li><li><a href=\"#h-ihre-vorteile-mit-anwaltlicher-unterstutzung\" data-level=\"2\">Va\u0161e prednosti uz odvjetni\u010dku podr\u0161ku<\/a><\/li><li><a href=\"#h-haufig-gestellte-fragen-faq\" data-level=\"2\">\u010cesto postavljana pitanja \u2013 FAQ<\/a><\/li><\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftpflichtversicherung\">Osiguranje od odgovornosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Osiguranje od odgovornosti slu\u017ei za financijsko osiguranje u slu\u010daju da je osoba odgovorna za \u0161tetu koju je prouzro\u010dila. Upravo kod skija\u0161kih nesre\u0107a posljedice mogu biti te\u0161ke: ozljede, dugotrajno lije\u010denje, gubitak zarade ili materijalna \u0161teta na opremi brzo dovode do visokih tro\u0161kova. Prema austrijskom pravu, svatko tko krivnjom prouzro\u010di \u0161tetu u na\u010delu je du\u017ean nadoknaditi je. Osiguranje od odgovornosti u takvim slu\u010dajevima ne preuzima samo reguliranje opravdanih zahtjeva, ve\u0107 i odbijanje neopravdanih zahtjeva.   <\/p>\n\n<div class=\"wp-block-uagb-container uagb-block-3019fe8e alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-32585033\">\n<p class=\"wp-block-paragraph\">Osiguranje od odgovornosti \u0161titi skija\u0161e ako ozlijede druge ili prouzro\u010de \u0161tetu, a tako\u0111er preuzima tro\u0161kove odvjetnika i sudske tro\u0161kove.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-45819ab6\"><picture>\r\n\t\t<source srcset=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-352x198.webp\" >\r\n\t\t<img decoding=\"async\" class=\"mr-picture-small\" src=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp\" alt=\"Osiguranje od odgovornosti \u0161titi skija\u0161e od visokih tro\u0161kova i odbija neosnovane zahtjeve, uklju\u010duju\u0107i tro\u0161kove odvjetnika\" >\r\n\t<\/picture>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftung-bei-skiunfallen-nach-osterreichischem-recht\">Odgovornost u slu\u010daju skija\u0161kih nesre\u0107a prema austrijskom pravu<\/h2>\n\n<p class=\"wp-block-paragraph\">Tko prouzro\u010di nesre\u0107u tijekom skijanja, odgovara prema op\u0107im pravilima <strong>ABGB<\/strong> za nastalu \u0161tetu. Odlu\u010duju\u0107e je je li pona\u0161anje bilo <strong>protupravno, krivnjom prouzro\u010deno i uzro\u010dno<\/strong> za nastalu \u0161tetu. Ve\u0107 male nepa\u017enje mogu dovesti do zna\u010dajnih zahtjeva za naknadu \u0161tete, koji obuhva\u0107aju tro\u0161kove lije\u010denja, naknadu za bol i gubitak zarade.  <\/p>\n\n<p class=\"wp-block-paragraph\">Posebno su relevantna <strong>FIS-ova pravila za skija\u0161ke staze<\/strong> i kriteriji pa\u017enje koje koristi Vrhovni sud. Skija\u0161i moraju kontrolirati svoju brzinu, voditi ra\u010duna o drugima i dr\u017eati dovoljan razmak. Tko prekr\u0161i ove obveze i time izazove nesre\u0107u, redovito je obvezan na naknadu \u0161tete.  <\/p>\n\n<p class=\"wp-block-paragraph\">Tako\u0111er, posebne norme odgovornosti mogu do\u0107i do izra\u017eaja:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Odgovornost vlasnika ceste:<\/strong> Vlasnici staza odgovaraju u slu\u010daju grube nepa\u017enje za izvore opasnosti na skija\u0161koj stazi.<\/li>\n\n\n\n<li><strong>Op\u0107e pravo na naknadu \u0161tete:<\/strong> Osnova za zahtjeve u slu\u010daju povrede \u017eivota, tijela, zdravlja ili imovine.<\/li>\n\n\n\n<li><strong>Zakon o odgovornosti \u017eeljeznice i motornih vozila:<\/strong> Primjenjuje se, primjerice, kod nesre\u0107a u vezi sa \u017ei\u010darama ili liftovima.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Bitni element je <strong>podijeljena odgovornost<\/strong>: Ako je \u017ertva nesre\u0107e sama prekr\u0161ila pravila za skija\u0161ke staze, zahtjev za naknadu \u0161tete bit \u0107e razmjerno smanjen. Sudska praksa pokazuje da je i po\u0161tivanje udaljenosti, smjerova gledanja i pravila prednosti odlu\u010duju\u0107e. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-deckungsumfang-der-haftpflichtversicherung\">Opseg pokri\u0107a osiguranja od odgovornosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Osiguranje od odgovornosti prvenstveno pokriva <strong>osobne i materijalne \u0161tete<\/strong> koje su prouzro\u010dene krivnjom tijekom skijanja. To uklju\u010duje tro\u0161kove lije\u010denja, naknadu za bol, gubitak zarade ili tro\u0161kove popravka i zamjene o\u0161te\u0107ene opreme. <\/p>\n\n<p class=\"wp-block-paragraph\">Sredi\u0161nja prednost je <strong>funkcija obrane<\/strong>: Osiguratelj ne preuzima samo reguliranje opravdanih zahtjeva, ve\u0107 i odbijanje neopravdanih zahtjeva. To uklju\u010duje financiranje vje\u0161ta\u010denja, tro\u0161kove odvjetnika i sudske tro\u0161kove. Time osiguranje od odgovornosti ispunjava funkciju sli\u010dnu pravnoj za\u0161titi.  <\/p>\n\n<p class=\"wp-block-paragraph\">Pokri\u0107a su obi\u010dno u milijunskim iznosima. Va\u017eno je da za\u0161tita vrijedi i u inozemstvu \u2013 mnogi ugovori uklju\u010duju svjetsku valjanost. Nepromijenjeni ostaju tipi\u010dni izuzeci: Namjera nikada nije pokrivena, a u slu\u010daju grube nepa\u017enje (primjerice, vo\u017enja pod zna\u010dajnim utjecajem alkohola) osiguratelj mo\u017ee biti oslobo\u0111en obveze.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-besondere-vorteile-der-haftpflichtversicherung\">Posebne prednosti osiguranja od odgovornosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Osiguranje od odgovornosti vi\u0161e je od pukog preuzimanja tro\u0161kova. Ono tako\u0111er aktivno \u0161titi osiguranike od <strong>neosnovanih zahtjeva<\/strong>. Osiguratelj pa\u017eljivo provjerava svaki istaknuti zahtjev i odbija zahtjeve koji nisu opravdani.  <\/p>\n\n<p class=\"wp-block-paragraph\">To uklju\u010duje i preuzimanje <strong>tro\u0161kova odvjetnika i suda<\/strong>. Ova takozvana funkcija obrane dovodi do toga da osiguranje od odgovornosti funkcionira kao <strong>osiguranje pravne za\u0161tite<\/strong>. Osiguranici stoga ne profitiraju samo financijski, ve\u0107 i od stru\u010dne ekspertize pravnika koje anga\u017eira osiguratelj.  <\/p>\n    <div class=\"mr-quote mrbg clearfix\">\n        <a class=\"mr-quote-person\" href=\"\/ueber-uns\/rechtsanwalt-peter-harlander\/\" title=\"Rechtsanwalt Peter Harlander\">\n            <img decoding=\"async\" class=\"mr-quote-person-img\" src=\"https:\/\/harlander-partner.eu\/wp-content\/themes\/harlander\/design\/ph100.webp\" width=\"100\"\n                 height=\"100\" loading=\"lazy\" alt=\"Rechtsanwalt Peter Harlander\">\n            <span class=\"mr-quote-person-text\">\n            Peter Harlander<br>\n            <span class=\"mr-quote-person-function\">Harlander &amp; Partner Rechtsanw\u00e4lte<\/span>\n        <\/span>\n        <\/a>\n        <span class=\"mr-quote-content\">\u201eEine starke Privathaftpflicht ist die erste Verteidigungslinie nach einem Pistenunfall. Sie reguliert berechtigte Anspr\u00fcche und finanziert die anwaltliche Abwehr unberechtigter Forderungen.\u201c<\/span>\n    <\/div>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Besplatne prve konzultacije\"><span class=\"mr-cta-link-normal\">Sada odaberite \u017eeljeni termin:<\/span><span class=\"mr-cta-link-bold\">Besplatne prve konzultacije<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-obliegenheit-zur-schadenmeldung\">Obveza prijave \u0161tete<\/h2>\n\n<p class=\"wp-block-paragraph\">Prema Zakonu o ugovornom osiguranju, osiguranik je obvezan <strong>bez odga\u0111anja<\/strong> prijaviti \u0161tetu osiguratelju. Ova obveza je klju\u010dna jer samo tada osiguratelj mo\u017ee brzo reagirati i provjeriti zahtjeve. <\/p>\n\n<p class=\"wp-block-paragraph\">Tko prijavi \u0161tetu sa zaka\u0161njenjem ili nepotpuno, riskira <strong>povredu obveze<\/strong>. Posljedica mo\u017ee biti smanjenje ili \u010dak potpuni gubitak osigurateljne za\u0161tite. Za skija\u0161e to zna\u010di: Svaka nesre\u0107a, \u010dak i ako se u po\u010detku \u010dini neznatnom, treba odmah i u potpunosti prijaviti.  <\/p>\n    <div class=\"mr-quote mrbg clearfix\">\n        <a class=\"mr-quote-person\" href=\"\/ueber-uns\/rechtsanwalt-sebastian-riedlmair\/\" title=\"Rechtsanwalt Sebastian Riedlmair\">\n            <img decoding=\"async\" class=\"mr-quote-person-img\" src=\"https:\/\/harlander-partner.eu\/wp-content\/themes\/harlander\/design\/sr100.webp\" width=\"100\"\n                 height=\"100\" loading=\"lazy\" alt=\"Rechtsanwalt Sebastian Riedlmair\">\n            <span class=\"mr-quote-person-text\">\n            Sebastian Riedlmair<br>\n            <span class=\"mr-quote-person-function\">Harlander &amp; Partner Rechtsanw\u00e4lte<\/span>\n        <\/span>\n        <\/a>\n        <span class=\"mr-quote-content\">\u201eWer den Schaden sofort meldet, sichert den Versicherungsschutz. Wer z\u00f6gert oder l\u00fcckenhaft berichtet, riskiert eine Obliegenheitsverletzung und damit Leistungsk\u00fcrzungen.\u201c<\/span>\n    <\/div>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Besplatne prve konzultacije\"><span class=\"mr-cta-link-normal\">Sada odaberite \u017eeljeni termin:<\/span><span class=\"mr-cta-link-bold\">Besplatne prve konzultacije<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-ihre-vorteile-mit-anwaltlicher-unterstutzung\">Va\u0161e prednosti uz odvjetni\u010dku podr\u0161ku<\/h2>\n\n<p class=\"wp-block-paragraph\">Ako ste uklju\u010deni u skija\u0161ku nesre\u0107u, provjeravamo za vas postoji li pravo na naknadu \u0161tete ili osigurateljne naknade. Pratimo vas u cijelom postupku, preuzimamo komunikaciju s osiguravaju\u0107im dru\u0161tvima i osiguravamo da se va\u0161i zahtjevi ostvare na pravno siguran na\u010din. <\/p>\n\n<p class=\"wp-block-paragraph\">Na\u0161 odvjetni\u010dki ured:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>provjerava postoji li i u kojem opsegu obveza osiguranja od odgovornosti<\/li>\n\n\n\n<li>preuzima pravnu provedbu opravdanih zahtjeva<\/li>\n\n\n\n<li>pru\u017ea podr\u0161ku u odbijanju neopravdanih zahtjeva<\/li>\n\n\n\n<li>\u0161titi va\u0161a prava i interese u odnosu na sve sudionike<\/li>\n<\/ul>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Besplatne prve konzultacije\"><span class=\"mr-cta-link-normal\">Sada odaberite \u017eeljeni termin:<\/span><span class=\"mr-cta-link-bold\">Besplatne prve konzultacije<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-haufig-gestellte-fragen-faq\">\u010cesto postavljana pitanja \u2013 FAQ<\/h2>\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-972c8b74 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/harlander-partner.eu\\\/hr\\\/sportske-nesrece\\\/osiguranje-od-odgovornosti-u-slucaju-skijaske-nesrece\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Kada se aktivira osiguranje od odgovornosti u slu\\u010daju skija\\u0161ke nesre\\u0107e?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Osiguranje od odgovornosti se aktivira ako ste krivnjom ozlijedili drugoga ili prouzro\\u010dili materijalnu \\u0161tetu. Ono preuzima naknadu \\u0161tete i provjerava je li zahtjev opravdan. \"}},{\"@type\":\"Question\",\"name\":\"Koje tro\\u0161kove pokriva osiguranje od odgovornosti?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pokriveni su tro\\u0161kovi lije\\u010denja, naknada za bol, materijalna \\u0161teta i gubitak zarade. Uz to, osiguranje preuzima tro\\u0161kove odvjetnika i suda za odbijanje neopravdanih zahtjeva. \"}},{\"@type\":\"Question\",\"name\":\"Vrijedi li osigurateljna za\\u0161tita i u inozemstvu?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mnoge police osiguranja od odgovornosti predvi\\u0111aju svjetsku za\\u0161titu. To je posebno va\\u017eno za skija\\u0161e koji \\u010desto putuju u Italiju, \\u0160vicarsku ili Francusku. \"}},{\"@type\":\"Question\",\"name\":\"\\u0160to se doga\\u0111a ako \\u0161tetu ne prijavim odmah?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Zaka\\u0161njela ili propu\\u0161tena prijava predstavlja povredu obveze. U tom slu\\u010daju osiguratelj mo\\u017ee smanjiti ili u potpunosti odbiti isplatu. \"}},{\"@type\":\"Question\",\"name\":\"Jesu li nesre\\u0107e pod utjecajem alkohola suosigurane?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u0160tete koje su prouzro\\u010dene grubom nepa\\u017enjom \\u2013 primjerice, zbog zna\\u010dajnog utjecaja alkohola \\u2013 \\u010desto su isklju\\u010dene. Namjera nikada nije pokrivena. \"}}]}<\/script><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq1 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Kada se aktivira osiguranje od odgovornosti u slu\u010daju skija\u0161ke nesre\u0107e?<\/span><\/div><div class=\"uagb-faq-content\"><p>Osiguranje od odgovornosti se aktivira ako ste krivnjom ozlijedili drugoga ili prouzro\u010dili materijalnu \u0161tetu. Ono preuzima naknadu \u0161tete i provjerava je li zahtjev opravdan. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Koje tro\u0161kove pokriva osiguranje od odgovornosti?<\/span><\/div><div class=\"uagb-faq-content\"><p>Pokriveni su tro\u0161kovi lije\u010denja, naknada za bol, materijalna \u0161teta i gubitak zarade. Uz to, osiguranje preuzima tro\u0161kove odvjetnika i suda za odbijanje neopravdanih zahtjeva. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq3 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Vrijedi li osigurateljna za\u0161tita i u inozemstvu?<\/span><\/div><div class=\"uagb-faq-content\"><p>Mnoge police osiguranja od odgovornosti predvi\u0111aju svjetsku za\u0161titu. To je posebno va\u017eno za skija\u0161e koji \u010desto putuju u Italiju, \u0160vicarsku ili Francusku. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq4 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">\u0160to se doga\u0111a ako \u0161tetu ne prijavim odmah?<\/span><\/div><div class=\"uagb-faq-content\"><p>Zaka\u0161njela ili propu\u0161tena prijava predstavlja povredu obveze. U tom slu\u010daju osiguratelj mo\u017ee smanjiti ili u potpunosti odbiti isplatu. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-faq5 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Jesu li nesre\u0107e pod utjecajem alkohola suosigurane?<\/span><\/div><div class=\"uagb-faq-content\"><p>\u0160tete koje su prouzro\u010dene grubom nepa\u017enjom \u2013 primjerice, zbog zna\u010dajnog utjecaja alkohola \u2013 \u010desto su isklju\u010dene. Namjera nikada nije pokrivena. <\/p><\/div><\/div><\/div><a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Besplatne prve konzultacije\"><span class=\"mr-cta-link-normal\">Sada odaberite \u017eeljeni termin:<\/span><span class=\"mr-cta-link-bold\">Besplatne prve konzultacije<\/span><\/a>\n","protected":false},"excerpt":{"rendered":"Osiguranje od odgovornosti Osiguranje od odgovornosti slu\u017ei za financijsko osiguranje u slu\u010daju da je osoba odgovorna za \u0161tetu koju je prouzro\u010dila. Upravo kod skija\u0161kih nesre\u0107a posljedice mogu biti te\u0161ke: ozljede, &#8230;","protected":false},"author":25,"featured_media":49666,"parent":40826,"menu_order":31,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[746],"tags":[],"class_list":["post-49664","page","type-page","status-publish","has-post-thumbnail","hentry","category-sportsko-pravo"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-100x100.webp",100,100,true],"medium":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-800x450.webp",800,450,true],"medium_large":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"large":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"1536x1536":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1536,864,false],"2048x2048":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp",1920,1080,false],"336x":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-336x189.webp",336,189,true],"352x":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-352x198.webp",352,198,true],"woocommerce_thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-600x338.webp",600,338,true],"woocommerce_gallery_thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-100x100.webp",100,100,true],"yarpp-thumbnail":["https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-120x120.webp",120,120,true]},"uagb_author_info":{"display_name":"Simon Prem","author_link":"https:\/\/harlander-partner.eu\/hr\/author\/simon-prem\/"},"uagb_comment_info":0,"uagb_excerpt":"Osiguranje od odgovornosti Osiguranje od odgovornosti slu\u017ei za financijsko osiguranje u slu\u010daju da je osoba odgovorna za \u0161tetu koju je prouzro\u010dila. Upravo kod skija\u0161kih nesre\u0107a posljedice mogu biti te\u0161ke: ozljede, ...","_links":{"self":[{"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/pages\/49664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/comments?post=49664"}],"version-history":[{"count":0,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/pages\/49664\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/pages\/40826"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/media\/49666"}],"wp:attachment":[{"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/media?parent=49664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/categories?post=49664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/harlander-partner.eu\/hr\/wp-json\/wp\/v2\/tags?post=49664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}