{"id":434,"date":"2017-09-01T09:17:58","date_gmt":"2017-09-01T07:17:58","guid":{"rendered":"http:\/\/skockajtebudzet.rs\/?p=434"},"modified":"2017-09-21T09:33:05","modified_gmt":"2017-09-21T07:33:05","slug":"kakva-i-kolika-nam-prava-garantuje-polisa","status":"publish","type":"post","link":"https:\/\/skockajtebudzet.rs\/?p=434","title":{"rendered":"Kakva i kolika nam prava garantuje polisa?"},"content":{"rendered":"

Ve\u010dito pitanje uvek do\u0111e na red kada treba da popravljamo automobil koje je o\u0161te\u0107eno u saobra\u0107ajnoj nezgodi tu\u0111om krivicom, i kada \u017eelimo da ga popravimo u ovla\u0161\u0107enom auto servisu, a da tom prilikom umesto starih polomljenih auto delova budu ugra\u0111eni novi originalni auto delovi. Kako tom prilikom odrediti da li se neki deo mo\u017ee zameniti ili popraviti? Kome voza\u010di mogu da se obrate ukoliko, pak, nisu zadovoljni visinom naknade koje im nudi odre\u0111eno osiguranje?
\nSa pravom se postavlja pitanje \u010demu slu\u017ee skupe polise koje svake godine pla\u0107amo kako bismo produ\u017eilil registraciju, a koje su deo obaveznog osiguranja od auto-odgovornosti. Zato su mnogi vlasnici zbunjeni jer ne znaju kolika su njihova prava i za\u0161to sami moraju da dopla\u0107aju za saobra\u0107ajnu nezgodu koju je izazvao neko drugi.<\/p>\n

\nPolisa ne pokriva sve<\/h2>\n

Krenuli ste Va\u0161im vozilom, me\u0111utim, na putu ste do\u017eiveli saobra\u0107ajnu nezgodu tu\u0111om krivicom. Osiguravaju\u0107e dru\u0161tvo koje je du\u017eno da Vam nadoknadi \u0161tetu \u0161alje procenitelja na teren. Procenitelji su stru\u010dna lica koja na osnovu svog iskustva i kriterijuma nepristrasno treba da procene da li je potrebna zamena ili popravka auto delova<\/a>. Nakon stru\u010dne procene procenitelj Vam mo\u017ee ponuditi da popravite vozilo u nekom od servisa sa kojim oni sara\u0111uju. Ali, ako insistirate na ovla\u0161\u0107enom servisu, mo\u017ee se desiti da deo popravke platite sami, jer \u0107e osiguravaju\u0107e dru\u0161tvo platiti samo deo tro\u0161kova, a bi\u0107e Vam i ura\u010dunata amortizacija od 10 do 40 procenata na metalne delove i metalne sklopove, u zavisnosti od starosti \u010detvoroto\u010dka\u0161a. Plastika i staklo ne podle\u017eu amortizaciji, \u0161to zna\u010di da \u0107ete mo\u0107i da zamenite branik ili vetrobran ukoliko Vam je polomljen. Ako, pak, niste zadovoljni uslugom procenitelja uvek mo\u017eete da anga\u017eujete sudskog ve\u0161taka koji \u0107e opet izvr\u0161iti procenu, jer prema Zakonu naknada \u0161tete predstavlja dovo\u0111enje o\u0161te\u0107enog vozila u pre\u0111a\u0161nje stanje. Ne treba zaboraviti da ukoliko je vozilo u garanciji, ili nije starije od \u010detiri godine, mo\u017eete ga popraviti u ovla\u0161\u0107enom auto servisu, bez doplate.
\nSituacija je sli\u010dna pa i ista kod svih osiguravaju\u0107ih dru\u0161tava, jer su kriterijumi za obra\u010dun amorizacije jedinstveni. Iako osiuravaju\u0107e ku\u0107e tvrde da vode ra\u010duna sa kojim servisima sara\u0111uju, ube\u0111uju\u0107i o\u0161te\u0107enu stranu kako su to pouzdani servisi sa iskusnim majstorima, ta varijanta ne\u0107e odgovarati b\u0161 svima koji svoja kola odr\u017eavaju kod ovla\u0161\u0107enih servisera. Tada se mo\u017ee dobiti umesto novih zamenska ili polovni auto delovi koji imaju pribli\u017eno istu vrednost kako pre nezgode. Ali, da li je to stvarno tako?
\nUkoliko je neki auto deo toliko o\u0161te\u0107en da se ne mo\u017ee popraviti mora zameniti delom pribli\u017ene vrednosti. Na sli\u010dan na\u010din se re\u0161ava dilema da li je neophodna zamena ili popravka dela. Procenitelj na osnovu svog znanja daje preporuku, sa kojom mo\u017ee ali i ne mora da se slo\u017ei i vlasnik.
\nMnogim voza\u010dima se ovakav splet doga\u0111aja ne \u010dini po\u0161tenim jer posle zamene auto delova automobilk nije jednako dobar kao \u0161to je to bio pre nezgode. To je jo\u0161 jedan razlog neslaganja izme\u0111u voza\u010da i osiguravaju\u0107e ku\u0107e. Ukoliko se automobilsko krilo samo ispravi i ofarba, onda \u0107e vrednost automobila biti umanjena, ali ako se ugradi novo, ukupna vrednost kola \u0107e biti ve\u0107a, alli \u0107e i deo tro\u0161kova morati da snosi vlasnik. Sve ovo nas dovodi do zaklju\u010dka da pravo na besplatnu popravku imaju vozila koja su u garanciji ili su stara do \u010detiri godine. Za sva ostala vozila va\u017ei pravilo da moraju da plate odre\u0111eni procenat amortizacije.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ve\u010dito pitanje uvek do\u0111e na red kada treba da popravljamo automobil koje je o\u0161te\u0107eno u saobra\u0107ajnoj nezgodi tu\u0111om krivicom, i… <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-434","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nKakva i kolika nam prava garantuje polisa? - Skockajte bud\u017eet<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skockajtebudzet.rs\/?p=434\" \/>\n<meta property=\"og:locale\" content=\"sr_RS\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kakva i kolika nam prava garantuje polisa? 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