{"id":88377,"date":"2025-09-30T14:36:29","date_gmt":"2025-09-30T12:36:29","guid":{"rendered":"https:\/\/harlander-partner.eu\/sporto-traumos\/civilines-atsakomybes-draudimas-slidinejimo-nelaimes-atveju\/"},"modified":"2025-11-26T10:07:14","modified_gmt":"2025-11-26T09:07:14","slug":"civilines-atsakomybes-draudimas-slidinejimo-nelaimes-atveju","status":"publish","type":"page","link":"https:\/\/harlander-partner.eu\/lt\/sporto-traumos\/civilines-atsakomybes-draudimas-slidinejimo-nelaimes-atveju\/","title":{"rendered":"Civilin\u0117s atsakomyb\u0117s draudimas slidin\u0117jimo nelaim\u0117s atveju"},"content":{"rendered":"\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Civilin\u0117s atsakomyb\u0117s draudimas<\/h2><ul><li><a href=\"#h-haftpflichtversicherung\" data-level=\"2\">Civilin\u0117s atsakomyb\u0117s draudimas<\/a><\/li><li><a href=\"#h-haftung-bei-skiunfallen-nach-osterreichischem-recht\" data-level=\"2\">Atsakomyb\u0117 slidin\u0117jimo nelaimi\u0173 atveju pagal Austrijos teis\u0119<\/a><\/li><li><a href=\"#h-deckungsumfang-der-haftpflichtversicherung\" data-level=\"2\">Civilin\u0117s atsakomyb\u0117s draudimo apr\u0117ptis<\/a><\/li><li><a href=\"#h-besondere-vorteile-der-haftpflichtversicherung\" data-level=\"2\">Ypatingi civilin\u0117s atsakomyb\u0117s draudimo privalumai<\/a><\/li><li><a href=\"#h-obliegenheit-zur-schadenmeldung\" data-level=\"2\">Pareiga prane\u0161ti apie \u017eal\u0105<\/a><\/li><li><a href=\"#h-ihre-vorteile-mit-anwaltlicher-unterstutzung\" data-level=\"2\">J\u016bs\u0173 privalumai su advokato pagalba<\/a><\/li><li><a href=\"#h-haufig-gestellte-fragen-faq\" data-level=\"2\">Da\u017eniausiai u\u017eduodami klausimai \u2013 DUK<\/a><\/li><\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftpflichtversicherung\">Civilin\u0117s atsakomyb\u0117s draudimas<\/h2>\n\n<p class=\"wp-block-paragraph\">Civilin\u0117s atsakomyb\u0117s draudimas skirtas finansiniam apsaugojimui, kai asmuo laikomas atsakingu u\u017e jo sukelt\u0105 \u017eal\u0105. Ypa\u010d slidin\u0117jimo nelaimi\u0173 atveju pasekm\u0117s gali b\u016bti sunkios: su\u017ealojimai, ilgalaikis gydymas, pajam\u0173 praradimas ar inventoriaus \u017eala greitai sukelia dideles i\u0161laidas. Pagal Austrijos teis\u0119 kiekvienas, kuris kaltu b\u016bdu sukelia \u017eal\u0105, i\u0161 principo privalo j\u0105 atlyginti. Civilin\u0117s atsakomyb\u0117s draudimas tokiais atvejais ne tik reguliuoja pagr\u012fstus reikalavimus, bet ir atsisako nepagr\u012fst\u0173 pretenzij\u0173.   <\/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\">Civilin\u0117s atsakomyb\u0117s draudimas apsaugo slidininkus, kai jie su\u017eeid\u017eia kitus ar sukelia \u017eal\u0105, ir taip pat padengia advokato bei teismo i\u0161laidas.<\/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=\"Civilin\u0117s atsakomyb\u0117s draudimas apsaugo slidininkus nuo dideli\u0173 i\u0161laid\u0173 ir atsisako nepagr\u012fst\u0173 reikalavim\u0173, \u012fskaitant advokato i\u0161laidas\" >\r\n\t<\/picture>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftung-bei-skiunfallen-nach-osterreichischem-recht\">Atsakomyb\u0117 slidin\u0117jimo nelaimi\u0173 atveju pagal Austrijos teis\u0119<\/h2>\n\n<p class=\"wp-block-paragraph\">Kas slidin\u0117jimo metu sukelia nelaim\u0119, atsako pagal bendruosius <strong>ABGB<\/strong> taisykles u\u017e atsiradusi\u0105 \u017eal\u0105. Svarbu, ar elgesys buvo <g id=\"gid_1\">neteis\u0117tas, kaltas ir prie\u017easti\u0161kai<\/g> susij\u0119s su atsirausia \u017eala. Net ma\u017ei neatsarg\u016bs veiksmai gali sukelti reik\u0161mingus \u017ealos atlyginimo reikalavimus, apiman\u010dius gydymo i\u0161laidas, skausmo pinigus ar pajam\u0173 praradim\u0105.  <\/p>\n\n<p class=\"wp-block-paragraph\">Ypa\u010d svarbios yra <strong>FIS tras\u0173 taisykl\u0117s<\/strong> ir OGH taikomi atsargumo standartai. Slidininkai turi valdyti savo greit\u012f, atsi\u017evelgti \u012f kitus ir i\u0161laikyti pakankam\u0105 atstum\u0105. Kas pa\u017eeid\u017eia \u0161ias pareigas ir tuo sukelia nelaim\u0119, reguliariai privalo atlyginti \u017eal\u0105.  <\/p>\n\n<p class=\"wp-block-paragraph\">Taip pat gali b\u016bti taikomos specialios atsakomyb\u0117s normos:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Kelio valdytojo atsakomyb\u0117:<\/strong> Tras\u0173 valdytojai atsako u\u017e \u0161iurk\u0161t\u0173 neatsargum\u0105 d\u0117l pavojaus \u0161altini\u0173 slidin\u0117jimo trasoje.<\/li>\n\n\n\n<li><strong>Bendroji \u017ealos atlyginimo teis\u0117:<\/strong> Pagrindas reikalavimams pa\u017eeidus gyvyb\u0119, k\u016bn\u0105, sveikat\u0105 ar nuosavyb\u0119.<\/li>\n\n\n\n<li><strong>Gele\u017einkeli\u0173 ir automobili\u0173 civilin\u0117s atsakomyb\u0117s \u012fstatymas:<\/strong> Taikomas, pavyzd\u017eiui, nelaimi\u0173 su lynais ar keltuvais atveju.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Esminis elementas yra <strong>bendras kaltumas<\/strong>: jei nelaim\u0117s auka pati pa\u017eeid\u0117 tras\u0173 taisykles, \u017ealos atlyginimo reikalavimas proporcingai suma\u017einamas. Teism\u0173 praktika rodo, kad atstum\u0173 laikymasis, \u017evilgsnio kryptys ir pirmumo taisykl\u0117s taip pat yra lemiamos. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-deckungsumfang-der-haftpflichtversicherung\">Civilin\u0117s atsakomyb\u0117s draudimo apr\u0117ptis<\/h2>\n\n<p class=\"wp-block-paragraph\">Civilin\u0117s atsakomyb\u0117s draudimas pirmiausia dengia <strong>asmens ir turto \u017eal\u0105<\/strong>, sukelt\u0105 kaltu elgesiu slidin\u0117jimo metu. Tai apima gydymo i\u0161laidas, skausmo pinigus, pajam\u0173 praradim\u0105 ar pa\u017eeisto inventoriaus remonto ir pakeitimo i\u0161laidas. <\/p>\n\n<p class=\"wp-block-paragraph\">Pagrindinis privalumas yra <strong>gynybos funkcija<\/strong>: draudikas ne tik reguliuoja pagr\u012fstus reikalavimus, bet ir atsisako nepagr\u012fst\u0173 pretenzij\u0173. Tai apima ekspertizi\u0173, advokato i\u0161laid\u0173 ir teismo i\u0161laid\u0173 finansavim\u0105. Taip civilin\u0117s atsakomyb\u0117s draudimas atlieka teis\u0117s apsaugos draudimui pana\u0161i\u0105 funkcij\u0105.  <\/p>\n\n<p class=\"wp-block-paragraph\">Draudimo sumos paprastai siekia milijonus. Svarbu, kad apsauga galioja ir u\u017esienyje \u2013 daugelyje sutar\u010di\u0173 numatomas pasaulinis galiojimas. Ta\u010diau lieka tipiniai i\u0161imtys: ty\u010dia niekada nedengiama, o \u0161iurk\u0161taus neatsargumo atveju (pavyzd\u017eiui, vairavimas stipriai apsvaigus nuo alkoholio) draudikas gali b\u016bti atleid\u017eiamas nuo mok\u0117jim\u0173.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-besondere-vorteile-der-haftpflichtversicherung\">Ypatingi civilin\u0117s atsakomyb\u0117s draudimo privalumai<\/h2>\n\n<p class=\"wp-block-paragraph\">Civilin\u0117s atsakomyb\u0117s draudimas yra daugiau nei tik i\u0161laid\u0173 padeng\u0117jas. Jis taip pat aktyviai apsaugo draud\u017eiamuosius nuo <strong>nepagr\u012fst\u0173 reikalavim\u0173<\/strong>. Draudikas kruop\u0161\u010diai tikrina kiekvien\u0105 pateikt\u0105 reikalavim\u0105 ir atsisako pretenzij\u0173, kurios n\u0117ra pagr\u012fstos.  <\/p>\n\n<p class=\"wp-block-paragraph\">Tai taip pat apima <strong>advokato ir teismo i\u0161laid\u0173<\/strong> padengim\u0105. \u0160i vadinamoji gynybos funkcija lemia, kad civilin\u0117s atsakomyb\u0117s draudimas veikia kaip <g id=\"gid_1\">teis\u0117s apsaugos draudimas<\/g>. Draud\u017eiamieji taip gauna ne tik finansin\u0119 naud\u0105, bet ir draudiko \u012ftraukiam\u0173 teisinink\u0173 profesional\u0173 ekspertiz\u0119.  <\/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=\"Nemokama pirmin\u0117 konsultacija\"><span class=\"mr-cta-link-normal\">Pasirinkite norim\u0105 dat\u0105 dabar:<\/span><span class=\"mr-cta-link-bold\">Nemokama pirmin\u0117 konsultacija<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-obliegenheit-zur-schadenmeldung\">Pareiga prane\u0161ti apie \u017eal\u0105<\/h2>\n\n<p class=\"wp-block-paragraph\">Pagal draudimo sutar\u010di\u0173 \u012fstatym\u0105 draudimo \u0117m\u0117jas privalo <strong>nedelsiant<\/strong> prane\u0161ti draudikui apie \u017eal\u0105. \u0160i pareiga yra lemiama, nes tik tada draudikas gali greitai reaguoti ir tikrinti reikalavimus. <\/p>\n\n<p class=\"wp-block-paragraph\">Kas prane\u0161im\u0105 pateikia pav\u0117luotai ar nei\u0161samiai, rizikuoja <strong>pareigos pa\u017eeidimu<\/strong>. Pasekm\u0117 gali b\u016bti draudimo apsaugos suma\u017einimas ar net visi\u0161kas praradimas. Slidininkams tai rei\u0161kia: kiekviena nelaim\u0117, net jei i\u0161 prad\u017ei\u0173 atrodo nereik\u0161minga, tur\u0117t\u0173 b\u016bti nedelsiant ir i\u0161samiai prane\u0161ta.  <\/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=\"Nemokama pirmin\u0117 konsultacija\"><span class=\"mr-cta-link-normal\">Pasirinkite norim\u0105 dat\u0105 dabar:<\/span><span class=\"mr-cta-link-bold\">Nemokama pirmin\u0117 konsultacija<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-ihre-vorteile-mit-anwaltlicher-unterstutzung\">J\u016bs\u0173 privalumai su advokato pagalba<\/h2>\n\n<p class=\"wp-block-paragraph\">Jei patekote \u012f slidin\u0117jimo nelaim\u0119, mes patikrinsime, ar turite teis\u0119 \u012f \u017ealos atlyginim\u0105 ar draudimo i\u0161mokas. Lyd\u0117sime Jus visoje proced\u016broje, persimsime bendravim\u0105 su draudimo bendrov\u0117mis ir u\u017etikrinsime, kad J\u016bs\u0173 reikalavimai b\u016bt\u0173 teisi\u0161kai pagr\u012fstai pateikti. <\/p>\n\n<p class=\"wp-block-paragraph\">M\u016bs\u0173 advokat\u0173 kontora:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>tikrina, ar ir kokiu mastu civilin\u0117s atsakomyb\u0117s draudimas privalo \u012fsipareigoti<\/li>\n\n\n\n<li>perima pagr\u012fst\u0173 reikalavim\u0173 teisin\u012f \u012fgyvendinim\u0105<\/li>\n\n\n\n<li>padeda atsispirti nepagr\u012fstiems reikalavimams<\/li>\n\n\n\n<li>gina j\u016bs\u0173 teises ir interesus vis\u0173 dalyvi\u0173 at\u017evilgiu<\/li>\n<\/ul>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Nemokama pirmin\u0117 konsultacija\"><span class=\"mr-cta-link-normal\">Pasirinkite norim\u0105 dat\u0105 dabar:<\/span><span class=\"mr-cta-link-bold\">Nemokama pirmin\u0117 konsultacija<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-haufig-gestellte-fragen-faq\">Da\u017eniausiai u\u017eduodami klausimai \u2013 DUK<\/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\\\/lt\\\/sporto-traumos\\\/civilines-atsakomybes-draudimas-slidinejimo-nelaimes-atveju\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Kada \\u012fsijungia civilin\\u0117s atsakomyb\\u0117s draudimas slidin\\u0117jimo nelaim\\u0117s atveju?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Civilin\\u0117s atsakomyb\\u0117s draudimas \\u012fsijungia, kai kaltu b\\u016bdu su\\u017eeid\\u017eiate kit\\u0105 asmen\\u012f ar suk\\u0117l\\u0117te turto \\u017eal\\u0105. Jis padengia \\u017ealos atlyginimo i\\u0161mokas ir tikrina, ar reikalavimas yra pagr\\u012fstas. \"}},{\"@type\":\"Question\",\"name\":\"Kokias i\\u0161laidas dengia civilin\\u0117s atsakomyb\\u0117s draudimas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dengiamos gydymo i\\u0161laidos, skausmo pinigai, turto \\u017eala ir pajam\\u0173 praradimas. Be to, draudimas padengia advokato ir teismo i\\u0161laidas nepagr\\u012fst\\u0173 pretenzij\\u0173 atsisakymui. \"}},{\"@type\":\"Question\",\"name\":\"Ar draudimo apsauga galioja ir u\\u017esienyje?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Daugelis civilin\\u0117s atsakomyb\\u0117s polis\\u0173 numato pasaulin\\u0119 apsaug\\u0105. Tai ypa\\u010d svarbu slidininkams, kurie da\\u017enai keliauja \\u012f Italij\\u0105, \\u0160veicarij\\u0105 ar Pranc\\u016bzij\\u0105. \"}},{\"@type\":\"Question\",\"name\":\"Kas nutinka, jei nedelsiant neprane\\u0161u apie \\u017eal\\u0105?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pav\\u0117luotas ar ne\\u012fvykdytas prane\\u0161imas sudaro pareigos pa\\u017eeidim\\u0105. Tokiu atveju draudikas gali suma\\u017einti i\\u0161mok\\u0105 ar visi\\u0161kai atsisakyti. \"}},{\"@type\":\"Question\",\"name\":\"Ar nelaim\\u0117s alkoholio poveikiu yra apdraustos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u017dala, sukelta \\u0161iurk\\u0161\\u010diai neatsargiai \\u2013 pavyzd\\u017eiui, d\\u0117l ry\\u0161kaus alkoholio poveikio \\u2013 da\\u017enai yra i\\u0161imtis. Ty\\u010dia niekada nedengiama. \"}}]}<\/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 \u012fsijungia civilin\u0117s atsakomyb\u0117s draudimas slidin\u0117jimo nelaim\u0117s atveju?<\/span><\/div><div class=\"uagb-faq-content\"><p>Civilin\u0117s atsakomyb\u0117s draudimas \u012fsijungia, kai kaltu b\u016bdu su\u017eeid\u017eiate kit\u0105 asmen\u012f ar suk\u0117l\u0117te turto \u017eal\u0105. Jis padengia \u017ealos atlyginimo i\u0161mokas ir tikrina, ar reikalavimas yra pagr\u012fstas. <\/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\">Kokias i\u0161laidas dengia civilin\u0117s atsakomyb\u0117s draudimas?<\/span><\/div><div class=\"uagb-faq-content\"><p>Dengiamos gydymo i\u0161laidos, skausmo pinigai, turto \u017eala ir pajam\u0173 praradimas. Be to, draudimas padengia advokato ir teismo i\u0161laidas nepagr\u012fst\u0173 pretenzij\u0173 atsisakymui. <\/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\">Ar draudimo apsauga galioja ir u\u017esienyje?<\/span><\/div><div class=\"uagb-faq-content\"><p>Daugelis civilin\u0117s atsakomyb\u0117s polis\u0173 numato pasaulin\u0119 apsaug\u0105. Tai ypa\u010d svarbu slidininkams, kurie da\u017enai keliauja \u012f Italij\u0105, \u0160veicarij\u0105 ar Pranc\u016bzij\u0105. <\/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\">Kas nutinka, jei nedelsiant neprane\u0161u apie \u017eal\u0105?<\/span><\/div><div class=\"uagb-faq-content\"><p>Pav\u0117luotas ar ne\u012fvykdytas prane\u0161imas sudaro pareigos pa\u017eeidim\u0105. Tokiu atveju draudikas gali suma\u017einti i\u0161mok\u0105 ar visi\u0161kai atsisakyti. <\/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\">Ar nelaim\u0117s alkoholio poveikiu yra apdraustos?<\/span><\/div><div class=\"uagb-faq-content\"><p>\u017dala, sukelta \u0161iurk\u0161\u010diai neatsargiai \u2013 pavyzd\u017eiui, d\u0117l ry\u0161kaus alkoholio poveikio \u2013 da\u017enai yra i\u0161imtis. Ty\u010dia niekada nedengiama. <\/p><\/div><\/div><\/div><a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Nemokama pirmin\u0117 konsultacija\"><span class=\"mr-cta-link-normal\">Pasirinkite norim\u0105 dat\u0105 dabar:<\/span><span class=\"mr-cta-link-bold\">Nemokama pirmin\u0117 konsultacija<\/span><\/a>\n","protected":false},"excerpt":{"rendered":"Civilin\u0117s atsakomyb\u0117s draudimas Civilin\u0117s atsakomyb\u0117s draudimas skirtas finansiniam apsaugojimui, kai asmuo laikomas atsakingu u\u017e jo sukelt\u0105 \u017eal\u0105. Ypa\u010d slidin\u0117jimo nelaimi\u0173 atveju pasekm\u0117s gali b\u016bti sunkios: su\u017ealojimai, ilgalaikis gydymas, pajam\u0173 praradimas &#8230;","protected":false},"author":25,"featured_media":88379,"parent":58657,"menu_order":31,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1130],"tags":[],"class_list":["post-88377","page","type-page","status-publish","has-post-thumbnail","hentry","category-sporto-teise"],"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\/lt\/author\/simon-prem\/"},"uagb_comment_info":0,"uagb_excerpt":"Civilin\u0117s atsakomyb\u0117s draudimas Civilin\u0117s atsakomyb\u0117s draudimas skirtas finansiniam apsaugojimui, kai asmuo laikomas atsakingu u\u017e jo sukelt\u0105 \u017eal\u0105. Ypa\u010d slidin\u0117jimo nelaimi\u0173 atveju pasekm\u0117s gali b\u016bti sunkios: su\u017ealojimai, ilgalaikis gydymas, pajam\u0173 praradimas ...","_links":{"self":[{"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/pages\/88377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/comments?post=88377"}],"version-history":[{"count":0,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/pages\/88377\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/pages\/58657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/media\/88379"}],"wp:attachment":[{"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/media?parent=88377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/categories?post=88377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/harlander-partner.eu\/lt\/wp-json\/wp\/v2\/tags?post=88377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}