{"id":2413,"date":"2024-12-11T13:58:28","date_gmt":"2024-12-11T12:58:28","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2413"},"modified":"2025-01-30T09:36:44","modified_gmt":"2025-01-30T08:36:44","slug":"uraz-na-kluzkem-chodniku","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/uraz-na-kluzkem-chodniku\/","title":{"rendered":"\u00daraz na kluzk\u00e9m chodn\u00edku: kdo za to m\u016f\u017ee a jak postupovat?"},"content":{"rendered":"\n<p><strong>\u00daraz na chodn\u00edku se m\u016f\u017ee st\u00e1t i v\u00e1m. Zimn\u00ed obdob\u00ed p\u0159in\u00e1\u0161\u00ed zv\u00fd\u0161en\u00e9 riziko. Jak postupovat p\u0159i \u00farazu na namrzl\u00e9m \u010di neudr\u017eovan\u00e9m chodn\u00edku? Kdo nese odpov\u011bdnost, jak\u00e9 jsou mo\u017enosti od\u0161kodn\u011bn\u00ed a jak \u017e\u00e1dat n\u00e1hradu \u0161kody?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku se do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-kdo-je-zodpov-dn-za-stav-chodn-ku\">Kdo je zodpov\u011bdn\u00fd za stav chodn\u00edku?<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-vznik-n-rok-na-n-hradu-kody\">Kdy vznik\u00e1 n\u00e1rok na n\u00e1hradu \u0161kody za \u00faraz na chodn\u00edku?<\/a><\/li><li class=\"\"><a href=\"#htoc-spr-vn-postup-p-i-razu\">Spr\u00e1vn\u00fd postup, kdy\u017e se stane \u00faraz na chodn\u00edku<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-uplatnit-n-rok-na-n-hradu-kody\">Jak uplatnit n\u00e1rok na n\u00e1hradu \u0161kody<\/a><\/li><li class=\"\"><a href=\"#htoc-na-co-si-d-t-pozor\">Na co si d\u00e1t pozor?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdo-je-zodpov-dn-za-stav-chodn-ku\">Kdo je zodpov\u011bdn\u00fd za stav chodn\u00edku?<\/h2>\n\n\n\n<p>\u201e<strong>Za bezpe\u010dnost chodn\u00edk\u016f odpov\u00eddaj\u00ed jejich majitel\u00e9<\/strong>, co\u017e jsou zpravidla obce,\u201c vysv\u011btluje Irena Jakobov\u00e1, specialistka na poji\u0161t\u011bn\u00ed z FinGO. \u201eObce maj\u00ed povinnost zajistit zimn\u00ed \u00fadr\u017ebu chodn\u00edk\u016f, v\u010detn\u011b odkl\u00edzen\u00ed sn\u011bhu a aplikace protiskluzov\u00fdch materi\u00e1l\u016f, a to i u chodn\u00edk\u016f p\u0159il\u00e9haj\u00edc\u00edch k soukrom\u00fdm nemovitostem.\u201c<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-vznik-n-rok-na-n-hradu-kody\">Kdy vznik\u00e1 n\u00e1rok na n\u00e1hradu \u0161kody za \u00faraz na chodn\u00edku?<\/h2>\n\n\n\n<p>\u201eN\u00e1rok na n\u00e1hradu \u0161kody vznik\u00e1, pokud je prok\u00e1z\u00e1na p\u0159\u00edm\u00e1 souvislost mezi stavem chodn\u00edku a vznikem \u00farazu,\u201c zd\u016fraz\u0148uje Jakobov\u00e1.<\/p>\n\n\n\n<p><strong>Pokud se stane \u00faraz na chodn\u00edku, posuzuj\u00ed se faktory jako:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-\"><strong>Stav chodn\u00edku v dob\u011b \u00farazu:<\/strong> nap\u0159\u00edklad zda byl zledovat\u011bl\u00fd, neo\u0161et\u0159en\u00fd \u010di jinak nebezpe\u010dn\u00fd.<\/li>\n\n\n\n<li id=\"htoc-mo-nost-vyu-it-bezpe-n-j-trasy-byla-k-dispozici-jin-cesta-kde-nebylo-riziko-p-du\"><strong>Mo\u017enost vyu\u017eit\u00ed bezpe\u010dn\u011bj\u0161\u00ed trasy:<\/strong> byla k dispozici jin\u00e1 cesta, kde nebylo riziko p\u00e1du?<\/li>\n\n\n\n<li id=\"htoc-1\"><strong>Vhodnost obuvi chodce: <\/strong>zohled\u0148uje se, zda m\u011bl chodec odpov\u00eddaj\u00edc\u00ed zimn\u00ed obuv.<\/li>\n<\/ul>\n\n\n\n<p>Pokud lze prok\u00e1zat, \u017ee majitel chodn\u00edku neplnil sv\u00e9 povinnosti, lze n\u00e1rokovat <strong>n\u00e1hradu \u0161kody<\/strong> za l\u00e9ka\u0159sk\u00e9 v\u00fdlohy, u\u0161l\u00fd p\u0159\u00edjem \u010di bolestn\u00e9.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> pokud jste majitelem nemovitosti, doporu\u010dujeme se kr\u00fdt <strong>poji\u0161t\u011bn\u00edm odpov\u011bdnosti z dr\u017eby nemovitosti. <\/strong>To kryje \u0161kody, kter\u00e9 vlastn\u00edk zp\u016fsob\u00ed t\u0159et\u00edm osob\u00e1m. Poji\u0161t\u011bn\u00ed se vztahuje na \u0161kody na zdrav\u00ed, majetku \u010di n\u00e1sledn\u00e9 \u0161kody (nap\u0159. u\u0161l\u00fd p\u0159\u00edjem zran\u011bn\u00e9ho). Typicky se sjedn\u00e1v\u00e1 jako sou\u010d\u00e1st <strong>poji\u0161t\u011bn\u00ed nemovitosti<\/strong>.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><strong>\ud83c\udfe0 <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-nemovitosti-a-domacnosti-jak-se-v-tom-vyznat\/\">Jak\u00fd je rozd\u00edl <\/a>mezi poji\u0161t\u011bn\u00edm nemovitosti a dom\u00e1cnosti?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-spr-vn-postup-p-i-razu\">Spr\u00e1vn\u00fd postup, kdy\u017e se stane \u00faraz na chodn\u00edku<\/h2>\n\n\n\n<p><strong>P\u0159i p\u00e1du na kluzk\u00e9m chodn\u00edku je d\u016fle\u017eit\u00e9:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-11\"><strong>Zdokumentovat m\u00edsto \u00farazu:<\/strong> Po\u0159i\u010fte fotografie stavu chodn\u00edku a obuvi, kterou jste m\u011bli na sob\u011b.<\/li>\n\n\n\n<li id=\"htoc-zaznamenat-as-a-datum-p-esn-si-poznamenat-kdy-k-razu-do-lo\"><strong>Zaznamenat \u010das a datum:<\/strong> P\u0159esn\u011b si poznamenat, kdy k \u00farazu do\u0161lo.<\/li>\n\n\n\n<li id=\"htoc-z-skat-sv-dky-po-dejte-p-tomn-osoby-o-kontaktn-daje-pro-p-padn-sv-deck-v-pov-di\"><strong>Z\u00edskat sv\u011bdky:<\/strong> Po\u017e\u00e1dejte p\u0159\u00edtomn\u00e9 osoby o kontaktn\u00ed \u00fadaje pro p\u0159\u00edpadn\u00e9 sv\u011bdeck\u00e9 v\u00fdpov\u011bdi.<\/li>\n\n\n\n<li id=\"htoc-informovat-m-stskou-policii-nahl-sit-incident-aby-byl-ofici-ln-zaznamen-n\"><strong>Informovat m\u011bstskou policii:<\/strong> Nahl\u00e1sit incident, aby byl ofici\u00e1ln\u011b zaznamen\u00e1n.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_life_insurance\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=life_insurance\" style=\"height: 265px; min-height: 265px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-uplatnit-n-rok-na-n-hradu-kody\">Jak uplatnit n\u00e1rok na n\u00e1hradu \u0161kody<\/h2>\n\n\n\n<p>\u201e\u017d\u00e1dost o od\u0161kodn\u011bn\u00ed a n\u00e1hradu \u0161kody se pod\u00e1v\u00e1 na p\u0159\u00edslu\u0161n\u00e9m obecn\u00edm \u00fa\u0159ad\u011b s kompletn\u00ed dokumentac\u00ed,\u201c rad\u00ed Jakobov\u00e1. Pokud obec \u017e\u00e1dost zam\u00edtne, m\u00e1te mo\u017enost podat odvol\u00e1n\u00ed nebo se obr\u00e1tit na soud.<\/p>\n\n\n\n<p>\u201e<strong>Na pod\u00e1n\u00ed \u017ealoby m\u00e1te t\u0159i roky<\/strong>,\u201c upozor\u0148uje specialistka z FinGO. Je v\u0161ak d\u016fle\u017eit\u00e9 jednat co nejrychleji, proto\u017ee del\u0161\u00ed prodlen\u00ed m\u016f\u017ee ovlivnit dostupnost d\u016fkaz\u016f nebo sv\u011bdeck\u00fdch v\u00fdpov\u011bd\u00ed. P\u0159i soudn\u00edm \u0159e\u0161en\u00ed nav\u00edc mus\u00edte po\u010d\u00edtat s mo\u017en\u00fdmi n\u00e1klady na soudn\u00ed v\u00fdlohy.<\/p>\n\n\n\n<p>Tip: Jako zran\u011bn\u00fd chodec m\u016f\u017eete tak\u00e9 vyu\u017e\u00edt sv\u00e9ho \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed nez\u00e1vis\u00ed na prokazov\u00e1n\u00ed odpov\u011bdnosti majitele chodn\u00edku. Z\u00edsk\u00e1te tak finan\u010dn\u00ed jistotu i v p\u0159\u00edpad\u011b, \u017ee n\u00e1hradu \u0161kody nelze vymoci.<\/p>\n\n\n\n<p><strong>Jak funguje poji\u0161t\u011bn\u00ed v praxi?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-111\"><strong>Pokud m\u00e1 zran\u011bn\u00fd chodec \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, uplatn\u00ed n\u00e1rok u sv\u00e9 poji\u0161\u0165ovny<\/strong>. Poji\u0161\u0165ovna provede \u0161et\u0159en\u00ed a vyplat\u00ed od\u0161kodn\u011bn\u00ed.<\/li>\n\n\n\n<li id=\"htoc-poji-ovna-posoud-odpov-dnost-vlastn-ka-chodn-ku-pokud-zjist-e-vlastn-k-zanedbal-sv-povinnosti-zah-j-jedn-n-o-regresu\"><strong>Poji\u0161\u0165ovna posoud\u00ed odpov\u011bdnost vlastn\u00edka chodn\u00edku:<\/strong> pokud zjist\u00ed, \u017ee vlastn\u00edk zanedbal sv\u00e9 povinnosti, zah\u00e1j\u00ed jedn\u00e1n\u00ed o regresu.<\/li>\n\n\n\n<li id=\"htoc-1111\"><strong>Vlastn\u00edk chodn\u00edku (nebo jeho poji\u0161\u0165ovna) m\u016f\u017ee n\u00e1rok uhradit:<\/strong>\n<ul class=\"wp-block-list\">\n<li id=\"htoc-11111\">Pokud m\u00e1 vlastn\u00edk sjednan\u00e9 <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti z dr\u017eby nemovitosti<\/strong>, jeho poji\u0161\u0165ovna n\u00e1klady uhrad\u00ed.<\/li>\n\n\n\n<li id=\"htoc-111111\">Bez tohoto poji\u0161t\u011bn\u00ed mus\u00ed \u0161kodu uhradit vlastn\u00edk ze sv\u00e9ho.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><strong>\ud83d\udc68\u200d\ud83e\uddbd\u200d\u27a1\ufe0f Nev\u00edte, jak na poji\u0161t\u011bn\u00ed \u00farazu a invalidity? Sepsali jsme pro v\u00e1s <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-urazu-a-invalidity\/\">p\u0159ehledn\u00fd n\u00e1vod<\/a>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-na-co-si-d-t-pozor\">Na co si d\u00e1t pozor?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-dokumentace-po-i-te-fotografie-m-sta-razu-obuvi-a-z-skejte-sv-dky\"><strong>Dokumentace: <\/strong>po\u0159i\u010fte fotografie m\u00edsta \u00farazu, obuvi a z\u00edskejte sv\u011bdky.<\/li>\n\n\n\n<li id=\"htoc-v-asn-jedn-n-neot-lejte-s-pod-n-m-dosti-o-od-kodn-n-a-n-hrady-kody\"><strong>V\u010dasn\u00e9 jedn\u00e1n\u00ed:<\/strong> neot\u00e1lejte s pod\u00e1n\u00edm \u017e\u00e1dosti o od\u0161kodn\u011bn\u00ed a n\u00e1hrady \u0161kody.<\/li>\n\n\n\n<li id=\"htoc-t-let-lh-ta-pamatujte-e-na-pod-n-aloby-m-te-t-i-roky\"><strong>T\u0159\u00edlet\u00e1 lh\u016fta:<\/strong> pamatujte, \u017ee na pod\u00e1n\u00ed \u017ealoby m\u00e1te t\u0159i roky.<\/li>\n\n\n\n<li id=\"htoc-odborn-pomoc-v-p-pad-nejasnost-se-obra-te-na-odborn-ky\"><strong>Odborn\u00e1 pomoc:<\/strong> v p\u0159\u00edpad\u011b nejasnost\u00ed se obra\u0165te na odborn\u00edky.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pot-ebujete-poradit-obra-te-se-na-odborn-ky\">Pot\u0159ebujete poradit?<\/h2>\n\n\n\n<p>M\u00e1te ot\u00e1zky nebo pot\u0159ebujete pomoc? Na\u0161i specialist\u00e9 z FinGO jsou p\u0159ipraveni v\u00e1m pomoci. Kontaktujte n\u00e1s prost\u0159ednictv\u00edm <a href=\"https:\/\/www.fingo.cz\/kontakty\">na\u0161ich str\u00e1nek<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00daraz na chodn\u00edku se m\u016f\u017ee st\u00e1t i v\u00e1m. Zimn\u00ed obdob\u00ed p\u0159in\u00e1\u0161\u00ed zv\u00fd\u0161en\u00e9 riziko. Jak postupovat p\u0159i \u00farazu na namrzl\u00e9m \u010di neudr\u017eovan\u00e9m chodn\u00edku? Kdo nese odpov\u011bdnost, jak\u00e9 jsou mo\u017enosti od\u0161kodn\u011bn\u00ed a jak \u017e\u00e1dat n\u00e1hradu \u0161kody? Kdo je zodpov\u011bdn\u00fd za stav chodn\u00edku? \u201eZa bezpe\u010dnost chodn\u00edk\u016f odpov\u00eddaj\u00ed jejich majitel\u00e9, co\u017e jsou zpravidla obce,\u201c vysv\u011btluje Irena Jakobov\u00e1, specialistka na poji\u0161t\u011bn\u00ed z FinGO. \u201eObce maj\u00ed povinnost zajistit zimn\u00ed \u00fadr\u017ebu chodn\u00edk\u016f, v\u010detn\u011b odkl\u00edzen\u00ed sn\u011bhu a aplikace protiskluzov\u00fdch materi\u00e1l\u016f, a to i u chodn\u00edk\u016f p\u0159il\u00e9haj\u00edc\u00edch k soukrom\u00fdm nemovitostem.\u201c Kdy vznik\u00e1 n\u00e1rok na n\u00e1hradu \u0161kody za \u00faraz na chodn\u00edku? \u201eN\u00e1rok na n\u00e1hradu \u0161kody vznik\u00e1, pokud je prok\u00e1z\u00e1na p\u0159\u00edm\u00e1 souvislost mezi stavem chodn\u00edku a vznikem \u00farazu,\u201c zd\u016fraz\u0148uje Jakobov\u00e1. Pokud se stane \u00faraz na chodn\u00edku, posuzuj\u00ed se faktory jako: Pokud lze prok\u00e1zat, \u017ee majitel chodn\u00edku neplnil sv\u00e9 povinnosti, lze n\u00e1rokovat n\u00e1hradu \u0161kody za l\u00e9ka\u0159sk\u00e9 v\u00fdlohy, u\u0161l\u00fd p\u0159\u00edjem \u010di bolestn\u00e9. TIP: pokud jste majitelem nemovitosti, doporu\u010dujeme se kr\u00fdt poji\u0161t\u011bn\u00edm odpov\u011bdnosti z dr\u017eby nemovitosti. To kryje \u0161kody, kter\u00e9 vlastn\u00edk zp\u016fsob\u00ed t\u0159et\u00edm osob\u00e1m. Poji\u0161t\u011bn\u00ed se vztahuje na \u0161kody na zdrav\u00ed, majetku \u010di n\u00e1sledn\u00e9 \u0161kody (nap\u0159. u\u0161l\u00fd p\u0159\u00edjem zran\u011bn\u00e9ho). Typicky se sjedn\u00e1v\u00e1 jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed nemovitosti. \ud83c\udfe0 Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm nemovitosti a dom\u00e1cnosti? Spr\u00e1vn\u00fd postup, kdy\u017e se stane \u00faraz na chodn\u00edku P\u0159i [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[19,152,78],"class_list":["post-2413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezivotni-pojisteni","tag-irena-jakobova","tag-pojisteni-odpovednosti-z-drzby-nemovitosti","tag-urazove-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00daraz na chodn\u00edku: kdo za to m\u016f\u017ee a jak postupovat? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u00daraz na chodn\u00edku: kdo zodpov\u00edd\u00e1 za n\u00e1hradu \u0161kody, jak z\u00edskat od\u0161kodn\u011bn\u00ed a co kryje \u00farazov\u00e9 poji\u0161t\u011bn\u00ed? 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