{"id":937,"date":"2020-11-27T22:10:46","date_gmt":"2020-11-27T22:10:46","guid":{"rendered":"https:\/\/assistpro.lt\/?p=937"},"modified":"2021-01-23T18:57:43","modified_gmt":"2021-01-23T18:57:43","slug":"privalomo-draudimo-skirtumai-tarp-lietuvos-ir-lenkijos-valstybiu","status":"publish","type":"post","link":"https:\/\/assistpro.pl\/lt\/2020\/11\/27\/privalomo-draudimo-skirtumai-tarp-lietuvos-ir-lenkijos-valstybiu\/","title":{"rendered":"Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173"},"content":{"rendered":"

Registruojant automobil\u012f bet kurioje ES \u0161alyje, reikia \u012fsigyti vairuotojo civilin\u0117s atsakomyb\u0117s draudim\u0105<\/strong><\/a>. Tai privalomasis draudimas<\/strong>, galiojantis visose kitose ES \u0161alyse. Juo apsidraudus, eismo \u012fvykio d\u0117l vairuotojo kalt\u0117s atveju atlyginama fizin\u0117 ir materialin\u0117 \u017eala tretiesiems asmenims.. Ta\u010diau ar daug kas gal\u0117t\u0173 pasakyti, kokius pana\u0161umus ir skirtumus turi privalomas civilinis draudimas<\/a> kaimynini\u0173 \u0161ali\u0173 ?<\/p>\n

Privalomo draudimo skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 aptariami \u017eemiau
\n<\/strong><\/h4>\n

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Sutrumpinimai:<\/em><\/p>\n

Lietuva: Transporto priemoni\u0173 valdytoj\u0173 civilin\u0117s atsakomyb\u0117s draudimas \u201eTPVCA<\/strong>\u201c<\/p>\n

Lenkija: Civilin\u0117 atsakomyb\u0117 \u201eOC<\/strong>\u201c(pl. Odpowiedzialno\u015b\u0107 cywilna<\/a>)<\/em><\/p>\n

 <\/p>\n\n\n\n
<\/td>\nLenkija (PZU<\/a> draudimas)<\/strong><\/td>\nLietuva (BTA<\/a> draudimas)<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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1. Civilinio draudimo galiojimo teritorija:<\/span><\/strong><\/td>\nPrivalomas transporto priemoni\u0173 civilinis draudimas<\/a> galioja u\u017e Lenkijos teritorijos sien\u0173 (galioja daugum\u0105 ES \u0161ali\u0173). \u017dalia korta reikalingas tik NVS \u0161alyse (pavyzd\u017eiui: Rusija, Baltarusija, Ukraina, Turkija ir kitos \u0161alys). BET<\/strong>, rekomenduojam \u017eali\u0105 kort\u0105 tur\u0117ti visada, i\u0161va\u017eiuojant u\u017e PL rib\u0173.<\/span><\/td>\nPrivalomas civilinis draudimas galioja tik Lietuvoje, i\u0161va\u017eiuojant u\u017e LR rib\u0173 reikalinga \u017ealioji kortel\u0117.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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2. Draudimo sumos:<\/span><\/strong><\/td>\n5.210.000 \u20ac d\u0117l \u017ealos asmeniui;<\/span><\/td>\n5.000.000 \u20ac d\u0117l \u017ealos asmeniui;<\/span><\/td>\n<\/tr>\n
1.050.000 \u20ac d\u0117l \u017ealos turtui.<\/span><\/td>\n1.000.000 \u20ac d\u0117l \u017ealos turtui.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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3. Klient\u0173 paskirstymas:<\/span><\/strong><\/td>\nTeikiant pasi\u016blym\u0105 draudikas atsi\u017evelgiama \u012f turim\u0105 park\u0105:<\/span><\/td>\nTeikiant pasi\u016blym\u0105 draudikas atsi\u017evelgiama \u012f turim\u0105 park\u0105:<\/span><\/td>\n<\/tr>\n
– Individualus klientas (fizinis ar juridinis asmuo iki 5 transporto priemoni\u0173)<\/span><\/td>\n– Ma\u017eas klientas iki 5 transporto priemoni\u0173<\/span><\/td>\n<\/tr>\n
– Ma\u017eas klientas (juridinis asmuo vir\u0161 5 transporto priemoni\u0173)<\/span><\/td>\n– Klientas vir\u0161 5 transporto priemoni\u0173<\/span><\/td>\n<\/tr>\n
– Vidutinis klientas<\/span><\/td>\n<\/td>\n<\/tr>\n
– Didelis klientas<\/span><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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4. Eismo \u012fvykio prane\u0161imas:<\/span><\/strong><\/td>\nKuo grei\u010diau, kiek tai \u012fmanoma, termino \u012fvardinto n\u0117ra.<\/span><\/td>\nInformuoti draudik\u0105 per 3 darbo dienas.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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5. Sutarties trukm\u0117:<\/span><\/strong><\/td>\nTPVCA sutartis (polisas) tik metams<\/strong> (pasirinkimo galimyb\u0117s n\u0117ra, tokia tvarka visuose draudimo bendrov\u0117se Lenkijoje<\/a>). Mok\u0117jimas galimas per kelis kartus. I\u0161imtis: kas vykdo veikl\u0105 (parduoda automobilius) \u2013 30 dien\u0173 laikotarpiui \u012fmanomi draudimai arba jeigu transporto priemon\u0117 registruota laikinai 30 dien\u0173 – atitinkamai draudimas tam laikotarpiui.<\/span><\/td>\nTPVCA sutartis (polisas) galimas tiek metams tiek keliems m\u0117nesiams. Mokama per vien\u0105 kart\u0105 u\u017e tok\u012f laikotarp\u012f, u\u017e kok\u012f sudaryt\u0105 sutartis. \u012emanomas mok\u0117jimas per kelis kartus tiesioginio debeto pagalba.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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6. Sutarties sudarymas:<\/span><\/strong><\/td>\nCivilinis privalomas draudimas<\/a> \u2013 v\u0117liausiai registruojant transporto priemon\u0119 ar i\u0161va\u017eiuojant \u012f gatv\u0119. Nors ir transporto priemon\u0117 neeksploatuojama – turi b\u016bti apdrausta. Draudimas turi galioti vis\u0105 laik\u0105.<\/strong><\/span><\/td>\nCivilinis privalomas draudimas \u2013 v\u0117liausiai registruojant transporto priemon\u0119 ar i\u0161va\u017eiuojant \u012f gatv\u0119.<\/span><\/td>\n<\/tr>\n
Rizika: bauda (\u017ei\u016br\u0117ti \u017eemiau).<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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7. Taikomos sankcijos be TPVCA draudimo (nors ne ekploatuojama transporto priemon\u0117 bet registruota):<\/span><\/strong><\/td>\nBaudos, neturint privalomo civilinio draudimo:<\/span><\/strong><\/a><\/td>\nBaud\u0173 n\u0117ra, nebent po 6 m\u0117n. REGITRA<\/a> transporto priemon\u0119 i\u0161registruoja.<\/span><\/td>\n<\/tr>\n
-Lengvieji automobiliai (2 minimalus darbo u\u017emokes\u010diai)*<\/span><\/td>\n<\/tr>\n
-Krovininis transportas (3 minimalus darbo u\u017emokes\u010diai)*<\/span><\/strong><\/td>\n<\/tr>\n
Laikotarpis be draudimo \/ procentas:<\/span><\/td>\n<\/tr>\n
Daugiau nei 14 dien\u0173 \u2013 100 proc.<\/span><\/td>\n<\/tr>\n
Nuo 4 iki 14 dien\u0173 \u2013 50 proc.<\/span><\/td>\n<\/tr>\n
Iki 3 dien\u0173 \u2013 20 proc.<\/span><\/td>\n<\/tr>\n
*2021-01-01 minimalus brutto u\u017edarbis 2.800 z\u0142<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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8. Draudimo sutar\u010di\u0173 nutraukimas, performinimas, prat\u0119simas:<\/span><\/strong><\/td>\nJeigu baigiantis 12 m\u0117n. sutar\u010diai draudikas neinformuotas apie jos nutraukim\u0105 (klientas neinformavo), automati\u0161kai sutartis prat\u0119siama<\/strong> kitiems 12 m\u0117nesi\u0173 ir klientas privalo j\u0105 apmok\u0117ti.<\/span><\/td>\nJeigu draudikas neinformuojamas, sutartis baigia galioti, automati\u0161kai neprat\u0119siama.<\/span><\/td>\n<\/tr>\n
Perleidus transporto priemon\u0119 kitam savininkui, senas savininkas turi informuoti esam\u0105 draudik\u0105 apie pasikeitim\u0105 per 14 dien\u0173. Automobilio draudimas (sutartis) lieka naujam savininkui.<\/span><\/td>\nPerleidus transporto priemon\u0119 kitam savininkui, informuoja draudik\u0105 tas kam paliekama sutartis. Naujas savininkas per 14 dien\u0173 turi sudaryti savo vardu nauj\u0105 sutart\u012f.<\/span><\/td>\n<\/tr>\n
Jeigu mir\u0161ta automobilio savininkas sutartis nenutraukiama, o keliauja jos atsakomyb\u0117 paveld\u0117jusiam transporto priemon\u0119.<\/span><\/td>\nSutartis nutraukiame \u012fstatymo numatyta tvarka, juridiniams asmenims po 30 dien\u0173, nebent pristatomi pardavimo dokumentai.<\/span><\/td>\n<\/tr>\n
Sutartis nutraukiame \u012fstatymo numatyta tvarka, fiziniams asmenims po 30 dien\u0173, juridiniam po 7 dien\u0173.<\/span><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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9. Draudiko atsisakymas mok\u0117ti u\u017e \u017eal\u0105:<\/span><\/strong><\/td>\n1. Pa\u010diam \u017eal\u0105 padariusiam asmeniui, jo naudojamai transporto priemonei ir joje esan\u010diam turtui bei kitam tos transporto priemon\u0117s draud\u0117jo ar savininko turtui.<\/span><\/td>\n1. Pa\u010diam \u017eal\u0105 padariusiam asmeniui, jo naudojamai transporto priemonei ir joje esan\u010diam turtui bei kitam tos transporto priemon\u0117s draud\u0117jo ar savininko turtui.<\/span><\/td>\n<\/tr>\n
2. Eismo \u012fvykiams, \u012fvykusiems transporto priemon\u0119 naudojant oro uostuose, kitose vie\u0161am keli\u0173 eismui apribotose u\u017edaro pob\u016bd\u017eio teritorijose ar autodromuose sporto var\u017eybose, treniruot\u0117se, parodose ar mokymuose vairuoti.<\/span><\/td>\n2. Eismo \u012fvykiams, \u012fvykusiems transporto priemon\u0119 naudojant oro uostuose, kitose vie\u0161am keli\u0173 eismui apribotose u\u017edaro pob\u016bd\u017eio teritorijose ar autodromuose sporto var\u017eybose, treniruot\u0117se, parodose ar mokymuose vairuoti.<\/span><\/td>\n<\/tr>\n
3. U\u017e \u017eal\u0105, kilusi\u0105 d\u0117l karo veiksm\u0173, d\u0117l teroristini\u0173<\/span><\/td>\n3. U\u017e \u017eal\u0105, kilusi\u0105 d\u0117l karo veiksm\u0173, d\u0117l teroristini\u0173<\/span><\/td>\n<\/tr>\n
i\u0161puoli\u0173, esant branduolin\u0117s energijos poveikiui<\/span><\/td>\ni\u0161puoli\u0173, esant branduolin\u0117s energijos poveikiui<\/span><\/td>\n<\/tr>\n
ar nepaprastajai pad\u0117\u010diai;<\/span><\/td>\nar nepaprastajai pad\u0117\u010diai;<\/span><\/td>\n<\/tr>\n
4. U\u017e \u017eal\u0105, padaryt\u0105 ve\u017eamam u\u017e u\u017emokest\u012f<\/span><\/td>\n4. U\u017e \u017eal\u0105, padaryt\u0105 ve\u017eamam u\u017e u\u017emokest\u012f<\/span><\/td>\n<\/tr>\n
kroviniui ar baga\u017eui, esan\u010diam kaltininko<\/span><\/td>\nkroviniui ar baga\u017eui, esan\u010diam kaltininko<\/span><\/td>\n<\/tr>\n
transporto priemon\u0117je;<\/span><\/td>\ntransporto priemon\u0117je;<\/span><\/td>\n<\/tr>\n
5. U\u017e \u017eal\u0105, patirt\u0105 netekus gryn\u0173j\u0173 pinig\u0173,<\/span><\/td>\n5. U\u017e \u017eal\u0105, patirt\u0105 netekus gryn\u0173j\u0173 pinig\u0173,<\/span><\/td>\n<\/tr>\n
bi\u017euterijos, juvelyrini\u0173 bei meno dirbini\u0173,<\/span><\/td>\nbi\u017euterijos, juvelyrini\u0173 bei meno dirbini\u0173,<\/span><\/td>\n<\/tr>\n
vertybini\u0173 popieri\u0173, dokument\u0173, filatelijos,<\/span><\/td>\nvertybini\u0173 popieri\u0173, dokument\u0173, filatelijos,<\/span><\/td>\n<\/tr>\n
numizmatikos ar pana\u0161i\u0173 rinkini\u0173 arba daikt\u0173;<\/span><\/td>\nnumizmatikos ar pana\u0161i\u0173 rinkini\u0173 arba daikt\u0173;<\/span><\/td>\n<\/tr>\n
6. Nukent\u0117jusiems tretiesiems asmenims, kurie<\/span><\/td>\n6. Nukent\u0117jusiems tretiesiems asmenims, kurie<\/span><\/td>\n<\/tr>\n
savo noru buvo \u017eal\u0105 padariusioje transporto<\/span><\/td>\nsavo noru buvo \u017eal\u0105 padariusioje transporto<\/span><\/td>\n<\/tr>\n
priemon\u0117je ir \u017einojo, jog ta transporto priemon\u0117<\/span><\/td>\npriemon\u0117je ir \u017einojo, jog ta transporto priemon\u0117<\/span><\/td>\n<\/tr>\n
vogta.<\/span><\/td>\nvogta.<\/span><\/td>\n<\/tr>\n
7. U\u017e gamtos \/ aplinkos u\u017eter\u0161im\u0105.<\/span><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n
10. Regresas, kai:<\/span><\/strong><\/td>\nYra aplinkybi\u0173, kuomet draudikas turi teis\u0119 i\u0161 \u017eal\u0105 padariusio asmens susigr\u0105\u017einti \u017ealos atlyginimui i\u0161mok\u0117tas sumas ar j\u0173 dal\u012f (pvz., kai \u0161is vairavo apsvaig\u0119s, pasi\u0161alino i\u0161 eismo \u012fvykio vietos, \u017ealos padar\u0117 ty\u010dia, vairavo netur\u0117damas tinkamos kategorijos teis\u0117s vairuoti, laiku nevykd\u0117 pareigos prane\u0161ti apie eismo \u012fvyk\u012f draudikui, buvo pa\u017eeistos esmin\u0117s sutarties s\u0105lygos)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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11. Naudingos nuorodos (institucijos):<\/span><\/strong><\/td>\n– Motorinis Biuras<\/a> (pl. Polskie Biuro Ubezpieczycieli Komunikacyjnych):<\/em><\/span><\/td>\nMotorinis biuras:<\/span><\/a><\/td>\n<\/tr>\n
https:\/\/www.pbuk.pl\/<\/a><\/span><\/td>\nhttps:\/\/www.cab.lt\/<\/a><\/span><\/td>\n<\/tr>\n
–Draudimo fondas<\/a> (pl. Ubezpieczeniowy Fundusz gwarancyjny)<\/em><\/span><\/td>\n<\/td>\n<\/tr>\n
https:\/\/www.ufg.pl\/infoportal\/faces\/pages_home-page?_afrLoop=5940797487212632&_afrWindowMode=0&_adf.ctrl-state=d1c4ltglp_4<\/a><\/span><\/td>\n<\/td>\n<\/tr>\n
–Eismo \u012fvykio deklaracija:<\/a><\/span><\/td>\n<\/td>\n<\/tr>\n
https:\/\/www.pzu.pl\/_fileserver\/item\/1512848<\/a><\/span><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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12. Privalomas civilinis draudimas reguliuojamas:<\/span><\/strong><\/td>\n1. Papildomos s\u0105lygos i\u0161vardintos draudimo sutartyje<\/span><\/td>\n1. Papildomos s\u0105lygos i\u0161vardintos draudimo sutartyje<\/span><\/td>\n<\/tr>\n
(pl. Warunki szczeg\u00f3\u0142owe ubezpieczenia w polisie (innym dokumencie))<\/span><\/em><\/td>\n2. Bendros draudimo s\u0105lygos<\/span><\/td>\n<\/tr>\n
2. Bendros draudimo s\u0105lygos<\/span><\/td>\n3. Privalomojo draudimo \u012fstatymas<\/span><\/td>\n<\/tr>\n
(pl. Og\u00f3lne warunki ubezpieczenia zawarte w odpowiednim akcie prawnym)<\/span><\/em><\/td>\n4. Civilinis kodeksas<\/span><\/td>\n<\/tr>\n
3. Privalomojo draudimo \u012fstatymas<\/span><\/td>\n5. Draudimo \u012fstatymas<\/span><\/td>\n<\/tr>\n
(pl. Ustawa o ubezpieczeniach obowi\u0105zkowych)<\/span><\/em><\/td>\n<\/td>\n<\/tr>\n
4. Civilinis kodeksas Str. 805-834<\/span><\/td>\n<\/td>\n<\/tr>\n
(pl. Kodeks Cywilny)<\/span><\/em><\/td>\n<\/td>\n<\/tr>\n
5. Draudimo veiklos \u012fstatymas<\/span><\/td>\n<\/td>\n<\/tr>\n
(pl. Ustawa o dzia\u0142alno\u015bci ubezpieczeniowej)<\/span><\/em><\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Privalomo draudimo skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 gal ir ne\u017eymus, bet AssistPro<\/a> rekomenduoja atkreipti d\u0117mes\u012f \u012f 5,7,8 i\u0161vardintus punktus.<\/em>
\n<\/strong><\/h6>\n","protected":false},"excerpt":{"rendered":"

Registruojant automobil\u012f bet kurioje ES \u0161alyje, reikia \u012fsigyti vairuotojo civilin\u0117s […]<\/p>\n","protected":false},"author":2,"featured_media":967,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"yoast_head":"\nPrivalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 - Assistpro.pl<\/title>\n<meta name=\"description\" content=\"Assistpro.pl Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 - Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assistpro.pl\/lt\/2020\/11\/27\/privalomo-draudimo-skirtumai-tarp-lietuvos-ir-lenkijos-valstybiu\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 - Assistpro.pl\" \/>\n<meta property=\"og:description\" content=\"Assistpro.pl Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173 - Privalomas civilinis draudimas: skirtumai tarp Lietuvos ir Lenkijos valstybi\u0173\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assistpro.pl\/lt\/2020\/11\/27\/privalomo-draudimo-skirtumai-tarp-lietuvos-ir-lenkijos-valstybiu\/\" \/>\n<meta property=\"og:site_name\" content=\"Assistpro.pl\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-27T22:10:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-23T18:57:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assistpro.pl\/wp-content\/uploads\/2020\/11\/vilkiku-draudimas.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"626\" \/>\n\t<meta property=\"og:image:height\" content=\"351\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/assistpro.pl\/lt\/#organization\",\"name\":\"Assistpro\",\"url\":\"https:\/\/assistpro.pl\/lt\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/assistpro.pl\/lt\/#logo\",\"inLanguage\":\"lt-LT\",\"url\":\"https:\/\/assistpro.lt\/wp-content\/uploads\/2020\/11\/ASSIST-PRO-branding.png\",\"contentUrl\":\"https:\/\/assistpro.lt\/wp-content\/uploads\/2020\/11\/ASSIST-PRO-branding.png\",\"width\":799,\"height\":529,\"caption\":\"Assistpro\"},\"image\":{\"@id\":\"https:\/\/assistpro.pl\/lt\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/assistpro.pl\/lt\/#website\",\"url\":\"https:\/\/assistpro.pl\/lt\/\",\"name\":\"Assistpro.lt\",\"description\":\"Esame specialist\\u0173 komanda galinti pad\\u0117ti Jums sukurti s\\u0117kming\\u0105 versl\\u0105 pa\\u010diame Europos centre \\u2013 Lenkijoje. 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