[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vedomie.sk\/povinne-zmluvne-poistenie-je-na-slovensku-povinne-viete-co-presne-pokryva\/#Article","mainEntityOfPage":"https:\/\/www.vedomie.sk\/povinne-zmluvne-poistenie-je-na-slovensku-povinne-viete-co-presne-pokryva\/","headline":"Povinn\u00e9 zmluvn\u00e9 poistenie je na Slovensku povinn\u00e9. Viete, \u010do presne pokr\u00fdva?","name":"Povinn\u00e9 zmluvn\u00e9 poistenie je na Slovensku povinn\u00e9. Viete, \u010do presne pokr\u00fdva?","description":"Povinn\u00e9 zmluvn\u00e9 poistenie (PZP) je z\u00e1konom stanoven\u00e9 pre ka\u017ed\u00e9 vozidlo, ktor\u00e9 sa z\u00fa\u010dast\u0148uje cestnej prev\u00e1dzky. Ide o poistenie zodpovednosti za \u0161kodu, ktor\u00e1 je sp\u00f4soben\u00e1 prev\u00e1dzkou motorov\u00e9ho vozidla. Inak povedan\u00e9, ka\u017ed\u00e9 vozidlo, s ktor\u00fdm sa vyberiete na cestu, mus\u00ed ma\u0165 PZP bez oh\u013eadu na svoj vek, stav, farbu, v\u00fdbavu \u010di to, ako dlho vozidlom jazd\u00edte. Pr\u00e1ve […]","datePublished":"2024-11-02","dateModified":"2024-11-02","author":{"@type":"Person","@id":"https:\/\/www.vedomie.sk\/author\/#Person","name":"","url":"https:\/\/www.vedomie.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vedomie.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vedomie.sk\/wp-content\/uploads\/pojisteni_kLrfIC.jpg","url":"https:\/\/www.vedomie.sk\/wp-content\/uploads\/pojisteni_kLrfIC.jpg","height":0,"width":0},"url":"https:\/\/www.vedomie.sk\/povinne-zmluvne-poistenie-je-na-slovensku-povinne-viete-co-presne-pokryva\/","about":["Slu\u017eby"],"wordCount":432,"articleBody":"         Povinn\u00e9 zmluvn\u00e9 poistenie (PZP) je z\u00e1konom stanoven\u00e9 pre ka\u017ed\u00e9 vozidlo, ktor\u00e9 sa z\u00fa\u010dast\u0148uje cestnej prev\u00e1dzky. Ide o poistenie zodpovednosti za \u0161kodu, ktor\u00e1 je sp\u00f4soben\u00e1 prev\u00e1dzkou motorov\u00e9ho vozidla. Inak povedan\u00e9, ka\u017ed\u00e9 vozidlo, s ktor\u00fdm sa vyberiete na cestu, mus\u00ed ma\u0165 PZP bez oh\u013eadu na svoj vek, stav, farbu, v\u00fdbavu \u010di to, ako dlho vozidlom jazd\u00edte. Pr\u00e1ve v\u010faka tomu, \u017ee je va\u0161e vozidlo z\u00e1konne poisten\u00e9, bude poistka pokr\u00fdva\u0165 \u0161kody, ktor\u00e9 sp\u00f4sob\u00edte in\u00fdm osob\u00e1m pri riaden\u00ed vozidla v cestnej prem\u00e1vke. PZP pokr\u00fdva \u0161kody na majetku, \u010do znamen\u00e1 po\u0161kodenie in\u00e9ho vozidla, nehnute\u013enost\u00ed, ako s\u00fa ploty, budovy, zna\u010dky alebo \u0161kodu na veciach \u2013 napr\u00edklad tovare, bicykli ap. Okrem toho pokr\u00fdva PZP aj \u0161kody na \u017eivotoch a zdrav\u00ed, ako s\u00fa n\u00e1klady na lie\u010dbu os\u00f4b, ktor\u00e9 sa pri vami zavinenej nehode zranili, od\u0161kodnenie v pr\u00edpade trval\u00fdch zdravotn\u00fdch n\u00e1sledkov \u010di dokonca smrti. Rovnako sa d\u00e1 vyplati\u0165 aj n\u00e1hrada u\u0161l\u00e9ho zisku alebo pr\u00edjmu, ak osoba nem\u00f4\u017ee chodi\u0165 do pr\u00e1ce pr\u00e1ve kv\u00f4li n\u00e1sledkom nehody, ktor\u00fa ste zavinili vy.  Ak\u00e9 v\u0161etky situ\u00e1cie s\u00fa v PZP zahrnut\u00e9?  PZP https:\/\/www.easypoistenie.sk sa vz\u0165ahuje na r\u00f4zne situ\u00e1cie, ktor\u00e9 m\u00f4\u017eu pri riaden\u00ed vozidla nasta\u0165. V prvom rade s\u00fa to najm\u00e4 dopravn\u00e9 nehody, pri ktor\u00fd m\u00f4\u017eete sp\u00f4sobi\u0165 \u0161kodu na inom vozidle alebo na cestnej infra\u0161trukt\u00fare. \u010ealej \u0161kody, ktor\u00e9 sp\u00f4sob\u00edte in\u00e9mu vozidlu pri parkovan\u00ed, chodcom a cyklistom alebo ak sa n\u00e1klad, ktor\u00fd veziete prevrhne, a sp\u00f4sob\u00ed \u0161kody in\u00e9mu vozidlu. Z PZP v\u0161ak nie je mo\u017en\u00e9 uplat\u0148ova\u0165 \u0161kodu, ktor\u00fa si sp\u00f4sob\u00edte na vlastnom vozidle \u2013 na to sl\u00fa\u017ei havarijn\u00e9 poistenie.  Pre\u010do je PZP nevyhnutn\u00e9?  U\u017e z n\u00e1zvu vypl\u00fdva, \u017ee PZP je povinn\u00e9 \u2013 stanoven\u00e9 z\u00e1konom a pokia\u013e ho nem\u00e1te uzatvoren\u00e9, z\u00e1kon poru\u0161ujete, \u010d\u00edm m\u00f4\u017eete \u010deli\u0165 patri\u010dn\u00fdm sankci\u00e1m. Na cest\u00e1ch doch\u00e1dza denne k r\u00f4znym nehod\u00e1m a cie\u013eom PZP je chr\u00e1ni\u0165 v\u00e1s i obete neh\u00f4d a zabezpe\u010di\u0165 im finan\u010dn\u00fa n\u00e1hradu \u0161kody. Neby\u0165 PZP, vodi\u010d by \u0161kody, ktor\u00e9 s\u00e1m sp\u00f4sobil, musel hradi\u0165 z vlastn\u00e9ho vrecka, a veru nejde o mal\u00e9 sumy. Pr\u00e1ve v\u010faka PZP dostanete od\u0161kodnenie aj vy, ak nastane situ\u00e1cia, \u017ee v\u00e1m in\u00fd vodi\u010d sp\u00f4sob\u00ed \u0161kody na vozidle \u010di majetku pri dopravnej nehode.                                                                                                                                                                                                                                                                                                                                                                                                  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