{"id":49648,"date":"2025-09-30T14:36:29","date_gmt":"2025-09-30T12:36:29","guid":{"rendered":"https:\/\/harlander-partner.eu\/sportove-urazy\/poistenie-zodpovednosti-pri-lyziarskej-nehode\/"},"modified":"2025-11-25T15:04:36","modified_gmt":"2025-11-25T14:04:36","slug":"poistenie-zodpovednosti-pri-lyziarskej-nehode","status":"publish","type":"page","link":"https:\/\/harlander-partner.eu\/sk\/sportove-urazy\/poistenie-zodpovednosti-pri-lyziarskej-nehode\/","title":{"rendered":"Poistenie zodpovednosti pri ly\u017eiarskej nehode"},"content":{"rendered":"\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Poistenie zodpovednosti<\/h2><ul><li><a href=\"#h-haftpflichtversicherung\" data-level=\"2\">Poistenie zodpovednosti<\/a><\/li><li><a href=\"#h-haftung-bei-skiunfallen-nach-osterreichischem-recht\" data-level=\"2\">Zodpovednos\u0165 pri ly\u017eiarskych nehod\u00e1ch pod\u013ea rak\u00faskeho pr\u00e1va<\/a><\/li><li><a href=\"#h-deckungsumfang-der-haftpflichtversicherung\" data-level=\"2\">Rozsah krytia poistenia zodpovednosti<\/a><\/li><li><a href=\"#h-besondere-vorteile-der-haftpflichtversicherung\" data-level=\"2\">\u0160peci\u00e1lne v\u00fdhody poistenia zodpovednosti<\/a><\/li><li><a href=\"#h-obliegenheit-zur-schadenmeldung\" data-level=\"2\">Povinnos\u0165 nahl\u00e1si\u0165 \u0161kodu<\/a><\/li><li><a href=\"#h-ihre-vorteile-mit-anwaltlicher-unterstutzung\" data-level=\"2\">Va\u0161e v\u00fdhody s pr\u00e1vnou podporou<\/a><\/li><li><a href=\"#h-haufig-gestellte-fragen-faq\" data-level=\"2\">\u010casto kladen\u00e9 ot\u00e1zky \u2013 FAQ<\/a><\/li><\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftpflichtversicherung\">Poistenie zodpovednosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Poistenie zodpovednosti sl\u00fa\u017ei na finan\u010dn\u00e9 zabezpe\u010denie, ak je osoba zodpovedn\u00e1 za \u0161kodu, ktor\u00fa sp\u00f4sobila. Najm\u00e4 pri ly\u017eiarskych nehod\u00e1ch m\u00f4\u017eu by\u0165 n\u00e1sledky v\u00e1\u017ene: zranenia, dlhodob\u00e1 lie\u010dba, strata z\u00e1robku alebo vecn\u00e9 \u0161kody na vybaven\u00ed r\u00fdchlo ved\u00fa k vysok\u00fdm n\u00e1kladom. Pod\u013ea rak\u00faskeho pr\u00e1va je ka\u017ed\u00fd, kto zavinene sp\u00f4sob\u00ed \u0161kodu, v z\u00e1sade povinn\u00fd ju nahradi\u0165. Poistenie zodpovednosti v tak\u00fdchto pr\u00edpadoch preber\u00e1 nielen \u00fahradu opr\u00e1vnen\u00fdch n\u00e1rokov, ale aj obranu proti neopr\u00e1vnen\u00fdm po\u017eiadavk\u00e1m.   <\/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\">Poistenie zodpovednosti chr\u00e1ni ly\u017eiarov, ak zrania in\u00fdch alebo sp\u00f4sobia \u0161kody, a preber\u00e1 aj n\u00e1klady na pr\u00e1vnika a s\u00fadne trovy.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-45819ab6\"><picture>\n\t\t<source srcset=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung-352x198.webp\" >\n\t\t<img decoding=\"async\" class=\"mr-picture-small\" src=\"https:\/\/harlander-partner.eu\/wp-content\/uploads\/Haftpflichtversicherung.webp\" alt=\"Poistenie zodpovednosti chr\u00e1ni ly\u017eiarov pred vysok\u00fdmi n\u00e1kladmi a odr\u00e1\u017ea neopr\u00e1vnen\u00e9 n\u00e1roky vr\u00e1tane n\u00e1kladov na pr\u00e1vnika.\" >\n\t<\/picture>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-haftung-bei-skiunfallen-nach-osterreichischem-recht\">Zodpovednos\u0165 pri ly\u017eiarskych nehod\u00e1ch pod\u013ea rak\u00faskeho pr\u00e1va<\/h2>\n\n<p class=\"wp-block-paragraph\">Kto pri ly\u017eovan\u00ed sp\u00f4sob\u00ed nehodu, zodpoved\u00e1 pod\u013ea v\u0161eobecn\u00fdch pravidiel <strong>ABGB<\/strong> za vzniknut\u00e9 \u0161kody. Rozhoduj\u00face je, \u010di bolo konanie <g id=\"gid_1\">protipr\u00e1vne, zavinen\u00e9 a kauz\u00e1lne<\/g> pre vzniknut\u00fa \u0161kodu. U\u017e mal\u00e9 nepozornosti m\u00f4\u017eu vies\u0165 k zna\u010dn\u00fdm n\u00e1rokom na n\u00e1hradu \u0161kody, ktor\u00e9 zah\u0155\u0148aj\u00fa n\u00e1klady na lie\u010dbu, od\u0161kodn\u00e9 za boles\u0165 a utrpenie alebo stratu z\u00e1robku.  <\/p>\n\n<p class=\"wp-block-paragraph\">Obzvl\u00e1\u0161\u0165 relevantn\u00e9 s\u00fa <strong>pravidl\u00e1 FIS pre zjazdovky<\/strong> a \u0161tandardy starostlivosti, ktor\u00e9 pou\u017e\u00edva OGH. Ly\u017eiari musia ovl\u00e1da\u0165 svoju r\u00fdchlos\u0165, bra\u0165 oh\u013ead na ostatn\u00fdch a udr\u017eiava\u0165 dostato\u010dn\u00fd odstup. Kto poru\u0161\u00ed tieto povinnosti a t\u00fdm sp\u00f4sob\u00ed nehodu, je pravidelne povinn\u00fd nahradi\u0165 \u0161kodu.  <\/p>\n\n<p class=\"wp-block-paragraph\">Uplatni\u0165 sa m\u00f4\u017eu aj osobitn\u00e9 normy zodpovednosti:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Zodpovednos\u0165 prev\u00e1dzkovate\u013ea trate:<\/strong> Prev\u00e1dzkovatelia zjazdoviek zodpovedaj\u00fa pri hrubej nedbanlivosti za zdroje nebezpe\u010denstva na ly\u017eiarskej zjazdovke.<\/li>\n\n\n\n<li><strong>V\u0161eobecn\u00e9 pr\u00e1vo na n\u00e1hradu \u0161kody:<\/strong> Z\u00e1klad pre n\u00e1roky pri poru\u0161en\u00ed \u017eivota, tela, zdravia alebo majetku.<\/li>\n\n\n\n<li><strong>Z\u00e1kon o zodpovednosti za \u0161kodu sp\u00f4soben\u00fa \u017eelezni\u010dnou a motorovou dopravou:<\/strong> Plat\u00ed napr\u00edklad pri nehod\u00e1ch s\u00favisiacich s lanovkami alebo vlekmi.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Podstatn\u00fdm prvkom je <strong>spoluzavinenie<\/strong>: Ak obe\u0165 nehody sama poru\u0161ila pravidl\u00e1 zjazdovky, n\u00e1rok na n\u00e1hradu \u0161kody sa pomerne zn\u00ed\u017ei. Judikat\u00fara ukazuje, \u017ee rozhoduj\u00face je aj dodr\u017eiavanie odstupov, smerov poh\u013eadu a pravidiel prednosti. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-deckungsumfang-der-haftpflichtversicherung\">Rozsah krytia poistenia zodpovednosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Poistenie zodpovednosti pokr\u00fdva predov\u0161etk\u00fdm <strong>\u0161kody na zdrav\u00ed a majetku<\/strong>, ktor\u00e9 s\u00fa sp\u00f4soben\u00e9 zavinen\u00fdm spr\u00e1van\u00edm pri ly\u017eovan\u00ed. Patria sem n\u00e1klady na lie\u010dbu, od\u0161kodn\u00e9 za boles\u0165 a utrpenie, strata z\u00e1robku alebo n\u00e1klady na opravu a n\u00e1hradu po\u0161koden\u00e9ho vybavenia. <\/p>\n\n<p class=\"wp-block-paragraph\">Centr\u00e1lnou v\u00fdhodou je <strong>funkcia obrany<\/strong>: Pois\u0165ovate\u013e preber\u00e1 nielen \u00fahradu opr\u00e1vnen\u00fdch n\u00e1rokov, ale aj obranu proti neopr\u00e1vnen\u00fdm po\u017eiadavk\u00e1m. Patr\u00ed sem financovanie znaleck\u00fdch posudkov, n\u00e1kladov na pr\u00e1vnika a s\u00fadnych poplatkov. T\u00fdmto poistenie zodpovednosti pln\u00ed funkciu podobn\u00fa pr\u00e1vnej ochrane.  <\/p>\n\n<p class=\"wp-block-paragraph\">Poistn\u00e9 sumy sa zvy\u010dajne pohybuj\u00fa v mili\u00f3noch. D\u00f4le\u017eit\u00e9 je, \u017ee ochrana plat\u00ed aj v zahrani\u010d\u00ed \u2013 mnoh\u00e9 zmluvy zah\u0155\u0148aj\u00fa celosvetov\u00fa platnos\u0165. Nezmenen\u00e9 v\u0161ak zost\u00e1vaj\u00fa typick\u00e9 v\u00fdluky: \u00famysel nie je nikdy kryt\u00fd a pri hrubej nedbanlivosti (napr\u00edklad jazda pod zna\u010dn\u00fdm vplyvom alkoholu) m\u00f4\u017ee by\u0165 pois\u0165ovate\u013e osloboden\u00fd od plnenia.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-besondere-vorteile-der-haftpflichtversicherung\">\u0160peci\u00e1lne v\u00fdhody poistenia zodpovednosti<\/h2>\n\n<p class=\"wp-block-paragraph\">Poistenie zodpovednosti je viac ne\u017e len prebera\u010d n\u00e1kladov. Akt\u00edvne chr\u00e1ni poisten\u00fdch aj pred <strong>neopr\u00e1vnen\u00fdmi n\u00e1rokmi<\/strong>. Pois\u0165ovate\u013e starostlivo preveruje ka\u017ed\u00fd uplatnen\u00fd n\u00e1rok a odr\u00e1\u017ea po\u017eiadavky, ktor\u00e9 nie s\u00fa opodstatnen\u00e9.  <\/p>\n\n<p class=\"wp-block-paragraph\">Patr\u00ed sem aj prevzatie <strong>n\u00e1kladov na pr\u00e1vnika a s\u00fadnych trov<\/strong>. T\u00e1to takzvan\u00e1 obrann\u00e1 funkcia vedie k tomu, \u017ee poistenie zodpovednosti funguje ako <strong>poistenie pr\u00e1vnej ochrany<\/strong>. Poisten\u00ed tak profituj\u00fa nielen finan\u010dne, ale aj z odbornej expert\u00edzy pr\u00e1vnikov, ktor\u00fdch pois\u0165ovate\u013e zapoj\u00ed.  <\/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=\"Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia\"><span class=\"mr-cta-link-normal\">Vyberte si preferovan\u00fd term\u00edn:<\/span><span class=\"mr-cta-link-bold\">Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-obliegenheit-zur-schadenmeldung\">Povinnos\u0165 nahl\u00e1si\u0165 \u0161kodu<\/h2>\n\n<p class=\"wp-block-paragraph\">Pod\u013ea z\u00e1kona o poistnej zmluve je poistn\u00edk povinn\u00fd nahl\u00e1si\u0165 \u0161kodu pois\u0165ovate\u013eovi <strong>bezodkladne<\/strong>. T\u00e1to povinnos\u0165 je rozhoduj\u00faca, preto\u017ee len vtedy m\u00f4\u017ee pois\u0165ovate\u013e r\u00fdchlo reagova\u0165 a preveri\u0165 n\u00e1roky. <\/p>\n\n<p class=\"wp-block-paragraph\">Kto nahl\u00e1si \u0161kodu neskoro alebo ne\u00faplne, riskuje <strong>poru\u0161enie povinnosti<\/strong>. D\u00f4sledkom m\u00f4\u017ee by\u0165 kr\u00e1tenie alebo dokonca \u00fapln\u00e1 strata poistn\u00e9ho krytia. Pre ly\u017eiarov to znamen\u00e1: Ka\u017ed\u00e1 nehoda, aj ke\u010f sa spo\u010diatku jav\u00ed ako nepatrn\u00e1, by mala by\u0165 nahl\u00e1sen\u00e1 okam\u017eite a \u00faplne.  <\/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=\"Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia\"><span class=\"mr-cta-link-normal\">Vyberte si preferovan\u00fd term\u00edn:<\/span><span class=\"mr-cta-link-bold\">Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-ihre-vorteile-mit-anwaltlicher-unterstutzung\">Va\u0161e v\u00fdhody s pr\u00e1vnou podporou<\/h2>\n\n<p class=\"wp-block-paragraph\">Ak ste boli \u00fa\u010dastn\u00ed ly\u017eiarskej nehody, prever\u00edme pre v\u00e1s, \u010di existuje n\u00e1rok na n\u00e1hradu \u0161kody alebo poistn\u00e9 plnenie. Budeme v\u00e1s sprev\u00e1dza\u0165 po\u010das cel\u00e9ho konania, prevezmeme komunik\u00e1ciu s pois\u0165ov\u0148ami a zabezpe\u010d\u00edme, aby boli va\u0161e n\u00e1roky pr\u00e1vne platne uplatnen\u00e9. <\/p>\n\n<p class=\"wp-block-paragraph\">Na\u0161a advok\u00e1tska kancel\u00e1ria:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>preveruje, \u010di a v akom rozsahu je poistenie zodpovednosti povinn\u00e9 plni\u0165<\/li>\n\n\n\n<li>preber\u00e1 pr\u00e1vne vym\u00e1hanie opr\u00e1vnen\u00fdch poh\u013ead\u00e1vok<\/li>\n\n\n\n<li>podporuje pri obrane proti neopr\u00e1vnen\u00fdm n\u00e1rokom<\/li>\n\n\n\n<li>chr\u00e1ni va\u0161e pr\u00e1va a z\u00e1ujmy vo\u010di v\u0161etk\u00fdm z\u00fa\u010dastnen\u00fdm stran\u00e1m<\/li>\n<\/ul>\n<a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia\"><span class=\"mr-cta-link-normal\">Vyberte si preferovan\u00fd term\u00edn:<\/span><span class=\"mr-cta-link-bold\">Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia<\/span><\/a>\n\n<h2 class=\"wp-block-heading\" id=\"h-haufig-gestellte-fragen-faq\">\u010casto kladen\u00e9 ot\u00e1zky \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\\\/sk\\\/sportove-urazy\\\/poistenie-zodpovednosti-pri-lyziarskej-nehode\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Kedy sa uplat\\u0148uje poistenie zodpovednosti pri ly\\u017eiarskej nehode?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Poistenie zodpovednosti sa uplat\\u0148uje, ak zavinene zran\\u00edte in\\u00e9ho alebo sp\\u00f4sob\\u00edte vecn\\u00fa \\u0161kodu. Preber\\u00e1 n\\u00e1hradu \\u0161kody a preveruje, \\u010di je n\\u00e1rok opr\\u00e1vnen\\u00fd. \"}},{\"@type\":\"Question\",\"name\":\"Ak\\u00e9 n\\u00e1klady s\\u00fa kryt\\u00e9 poisten\\u00edm zodpovednosti?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kryt\\u00e9 s\\u00fa n\\u00e1klady na lie\\u010dbu, od\\u0161kodn\\u00e9 za boles\\u0165 a utrpenie, vecn\\u00e9 \\u0161kody a strata z\\u00e1robku. Okrem toho pois\\u0165ov\\u0148a preber\\u00e1 n\\u00e1klady na pr\\u00e1vnika a s\\u00fadne trovy na obranu proti neopr\\u00e1vnen\\u00fdm po\\u017eiadavk\\u00e1m. \"}},{\"@type\":\"Question\",\"name\":\"Plat\\u00ed poistn\\u00e1 ochrana aj v zahrani\\u010d\\u00ed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mnoh\\u00e9 poistn\\u00e9 zmluvy zodpovednosti poskytuj\\u00fa celosvetov\\u00fa ochranu. To je obzvl\\u00e1\\u0161\\u0165 d\\u00f4le\\u017eit\\u00e9 pre ly\\u017eiarov, ktor\\u00ed \\u010dasto cestuj\\u00fa do Talianska, \\u0160vaj\\u010diarska alebo Franc\\u00fazska. \"}},{\"@type\":\"Question\",\"name\":\"\\u010co sa stane, ak \\u0161kodu nenahl\\u00e1sim okam\\u017eite?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oneskoren\\u00e9 alebo zanedban\\u00e9 nahl\\u00e1senie predstavuje poru\\u0161enie povinnosti. V takomto pr\\u00edpade m\\u00f4\\u017ee pois\\u0165ovate\\u013e kr\\u00e1ti\\u0165 alebo \\u00faplne odmietnu\\u0165 plnenie. \"}},{\"@type\":\"Question\",\"name\":\"S\\u00fa nehody pod vplyvom alkoholu spolupoisten\\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u0160kody, ktor\\u00e9 boli sp\\u00f4soben\\u00e9 hrubou nedbanlivos\\u0165ou \\u2013 napr\\u00edklad pod v\\u00fdrazn\\u00fdm vplyvom alkoholu \\u2013 s\\u00fa \\u010dasto vyl\\u00fa\\u010den\\u00e9. \\u00damysel nie je nikdy kryt\\u00fd. \"}}]}<\/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\">Kedy sa uplat\u0148uje poistenie zodpovednosti pri ly\u017eiarskej nehode?<\/span><\/div><div class=\"uagb-faq-content\"><p>Poistenie zodpovednosti sa uplat\u0148uje, ak zavinene zran\u00edte in\u00e9ho alebo sp\u00f4sob\u00edte vecn\u00fa \u0161kodu. Preber\u00e1 n\u00e1hradu \u0161kody a preveruje, \u010di je n\u00e1rok opr\u00e1vnen\u00fd. <\/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\">Ak\u00e9 n\u00e1klady s\u00fa kryt\u00e9 poisten\u00edm zodpovednosti?<\/span><\/div><div class=\"uagb-faq-content\"><p>Kryt\u00e9 s\u00fa n\u00e1klady na lie\u010dbu, od\u0161kodn\u00e9 za boles\u0165 a utrpenie, vecn\u00e9 \u0161kody a strata z\u00e1robku. Okrem toho pois\u0165ov\u0148a preber\u00e1 n\u00e1klady na pr\u00e1vnika a s\u00fadne trovy na obranu proti neopr\u00e1vnen\u00fdm po\u017eiadavk\u00e1m. <\/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\">Plat\u00ed poistn\u00e1 ochrana aj v zahrani\u010d\u00ed?<\/span><\/div><div class=\"uagb-faq-content\"><p>Mnoh\u00e9 poistn\u00e9 zmluvy zodpovednosti poskytuj\u00fa celosvetov\u00fa ochranu. To je obzvl\u00e1\u0161\u0165 d\u00f4le\u017eit\u00e9 pre ly\u017eiarov, ktor\u00ed \u010dasto cestuj\u00fa do Talianska, \u0160vaj\u010diarska alebo Franc\u00fazska. <\/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\">\u010co sa stane, ak \u0161kodu nenahl\u00e1sim okam\u017eite?<\/span><\/div><div class=\"uagb-faq-content\"><p>Oneskoren\u00e9 alebo zanedban\u00e9 nahl\u00e1senie predstavuje poru\u0161enie povinnosti. V takomto pr\u00edpade m\u00f4\u017ee pois\u0165ovate\u013e kr\u00e1ti\u0165 alebo \u00faplne odmietnu\u0165 plnenie. <\/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\">S\u00fa nehody pod vplyvom alkoholu spolupoisten\u00e9?<\/span><\/div><div class=\"uagb-faq-content\"><p>\u0160kody, ktor\u00e9 boli sp\u00f4soben\u00e9 hrubou nedbanlivos\u0165ou \u2013 napr\u00edklad pod v\u00fdrazn\u00fdm vplyvom alkoholu \u2013 s\u00fa \u010dasto vyl\u00fa\u010den\u00e9. \u00damysel nie je nikdy kryt\u00fd. <\/p><\/div><\/div><\/div><a class=\"mr-cta-link mr-cta-button-cal\" href=\"#h2-booking\" title=\"Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia\"><span class=\"mr-cta-link-normal\">Vyberte si preferovan\u00fd term\u00edn:<\/span><span class=\"mr-cta-link-bold\">Bezplatn\u00e1 \u00favodn\u00e1 konzult\u00e1cia<\/span><\/a>\n","protected":false},"excerpt":{"rendered":"Poistenie zodpovednosti Poistenie zodpovednosti sl\u00fa\u017ei na finan\u010dn\u00e9 zabezpe\u010denie, ak je osoba zodpovedn\u00e1 za \u0161kodu, ktor\u00fa sp\u00f4sobila. Najm\u00e4 pri ly\u017eiarskych nehod\u00e1ch m\u00f4\u017eu by\u0165 n\u00e1sledky v\u00e1\u017ene: zranenia, dlhodob\u00e1 lie\u010dba, strata z\u00e1robku alebo &#8230;","protected":false},"author":25,"featured_media":49650,"parent":43690,"menu_order":31,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[907],"tags":[],"class_list":["post-49648","page","type-page","status-publish","has-post-thumbnail","hentry","category-sportove-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\/sk\/author\/simon-prem\/"},"uagb_comment_info":0,"uagb_excerpt":"Poistenie zodpovednosti Poistenie zodpovednosti sl\u00fa\u017ei na finan\u010dn\u00e9 zabezpe\u010denie, ak je osoba zodpovedn\u00e1 za \u0161kodu, ktor\u00fa sp\u00f4sobila. Najm\u00e4 pri ly\u017eiarskych nehod\u00e1ch m\u00f4\u017eu by\u0165 n\u00e1sledky v\u00e1\u017ene: zranenia, dlhodob\u00e1 lie\u010dba, strata z\u00e1robku alebo ...","_links":{"self":[{"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/pages\/49648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/comments?post=49648"}],"version-history":[{"count":0,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/pages\/49648\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/pages\/43690"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/media\/49650"}],"wp:attachment":[{"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/media?parent=49648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/categories?post=49648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/harlander-partner.eu\/sk\/wp-json\/wp\/v2\/tags?post=49648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}