{"id":10321,"date":"2024-12-02T09:46:03","date_gmt":"2024-12-02T06:46:03","guid":{"rendered":"https:\/\/www.17047165566933.sritis.lt\/index.php\/2024\/12\/02\/kai-nelaime-tampa-ne-tik-seimos-tragedija-bet-ir-zala-kaimynams\/"},"modified":"2024-12-30T10:29:04","modified_gmt":"2024-12-30T07:29:04","slug":"kai-nelaime-tampa-ne-tik-seimos-tragedija-bet-ir-zala-kaimynams","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2024\/12\/02\/kai-nelaime-tampa-ne-tik-seimos-tragedija-bet-ir-zala-kaimynams\/","title":{"rendered":"Kai nelaim\u0117 tampa ne tik \u0161eimos tragedija, bet ir \u017eala kaimynams"},"content":{"rendered":"

<\/em><\/p>\n

Prieš m\u0117nes\u012f Vilniuje, viename Papil\u0117n\u0173 gatv\u0117s daugiabu\u010dio bute kil\u0119s gaisras dar kart\u0105 primin\u0117 apie netik\u0117tai u\u017eklumpan\u010dias nelaimes, galin\u010dias sunaikinti ne tik asmenin\u012f, bet ir kaimyn\u0173 turt\u0105. Šio gaisro metu buvo apgadinta apie 20 kaimynini\u0173 but\u0173 – daugiausia d\u0117l suod\u017ei\u0173, d\u016bm\u0173 ir vandens padarini\u0173 po gaisro gesinimo. Pasak ekspert\u0173, ši nelaim\u0117 parod\u0117, kad net ir turint b\u016bsto draudim\u0105, labai svarbi ir civilin\u0117s atsakomyb\u0117s apsauga – nuo pasirinkto jos dyd\u017eio priklauso, koki\u0105 kaimyn\u0173 nuostoli\u0173 sum\u0105 galima padengti. <\/p>\n

Civilin\u0117s atsakomyb\u0117s draudimo skvarba auga <\/b> <\/p>\n

Kaip pastebi Art\u016bras Juodeikis, „Lietuvos draudimo“ \u017eal\u0173 departamento direktorius, pastaraisiais metais skirtinguose šalies miestuose gaisr\u0173 sukeltos nelaim\u0117s sulauk\u0117 didelio atgarsio visuomen\u0117je ir nušvietimo \u017einiasklaidoje. Tai paskatino gyventojus skirti papildomo d\u0117mesio savo turto apsaugai ir tuo pa\u010diu pasidom\u0117ti, kokiais atvejais civilin\u0117s atsakomyb\u0117s draudimas b\u016btinas ir nuo ko jis apsaugo. <\/p>\n

„Stebime nuosekl\u0173 gyventoj\u0173 \u012fpro\u010di\u0173 drausti savo turt\u0105 pokyt\u012f. Šiuo metu gyventojai ne tik aktyviau draud\u017eia savo nekilnojam\u0105j\u012f bei vidaus turt\u0105, bet ir vis da\u017eniau \u012fsigyja civilin\u0117s atsakomyb\u0117s draudimo polisus, skirtus apsisaugoti nuo finansini\u0173 nuostoli\u0173 tais atvejais, kai apdraustasis sukelia \u017eal\u0105 tretiesiems asmenims ar j\u0173 turtui. Pavyzd\u017eiui, jei apgadinami aplinkini\u0173 kaimyn\u0173 b\u016bstai gaisro ar vandens u\u017eliejimo atvejais“, – sako A. Juodeikis. <\/p>\n

„Lietuvos draudimo“ duomenimis, per 10 ši\u0173 met\u0173 m\u0117nesi\u0173 civilin\u0117s atsakomyb\u0117s draudimo polis\u0173 pasirašyta 6 proc. daugiau nei per t\u0105 pat\u012f laikotarp\u012f pra\u0117jusiais metais. <\/p>\n

Pataria \u012fvertinti draudimo sumos dyd\u012f <\/b> <\/p>\n

Visgi did\u0117janti civilin\u0117s atsakomyb\u0117s draudimo skvarba apsaugos lyg\u012f pakelia tik iš dalies. Pasak A. Juodeikio, nors polis\u0173 gyventojai \u012fsigyja daugiau, ta\u010diau vidutin\u0117 tokio draudimo suma išlieka gana nedidel\u0117. <\/p>\n

„Tai tampa išš\u016bkiu, kai susiduriama su tokiais dideliais nuostoliais, kaip Papil\u0117s gatv\u0117s daugiabutyje, kuomet standartin\u0117 draudimo suma negali pilnai padengti vis\u0173 padaryt\u0173 nuostoli\u0173. Tokiu atveju atsiduriama dviprasmiškoje situacijoje – \u017emogus turi civilin\u0117s atsakomyb\u0117s draudim\u0105, ta\u010diau jo sumos nepakanka \u017ealoms padengti“, − komentuoja A. Juodeikis. <\/p>\n

Remiantis „Lietuvos draudimo“ duomenimis, per 10 ši\u0173 met\u0173 m\u0117nesi\u0173 jau yra u\u017eregistruota daugiau kaip 1200 civilin\u0117s atsakomyb\u0117s draudimo \u017eal\u0173, o bendra išmok\u0173 suma j\u0173 kompensavimui perkop\u0117 1, 4 mln. eur\u0173. Vidutin\u0117 \u017ealos suma siekia 1150 eurus, o maksimali išmok\u0117ta suma – 21 t\u016bkst. eur\u0173. <\/p>\n

„M\u016bs\u0173 turimi duomenys taip pat rodo, kad daugiausia civilin\u0117s atsakomyb\u0117s draudimo \u017eal\u0173 fiksuota butuose, tai yra 91 proc. vis\u0173 atvej\u0173, o ši\u0173 \u017eal\u0173 kompensavimui buvo skirta daugiau kaip 1, 2 mln. eur\u0173. But\u0173 u\u017eliejimai ir gaisrai – da\u017eniausiai pasitaikan\u010dios nelaim\u0117s“, – duomenis atskleid\u017eia „Lietuvos draudimo“ \u017eal\u0173 departamento vadovas. <\/p>\n

Did\u017eiausias nelaimi\u0173 skai\u010dius \u012fvyko pagrindiniuose šalies miestuose Vilniuje, Kaune ir Klaip\u0117doje, rodo bendrov\u0117s duomenys. <\/p>\n

„Pastebime, kad \u017emoni\u0173 pasirenkamos sumos – ne visada adekva\u010dios realioms \u017eal\u0173 rizikoms. Šalies daugiabu\u010diuose \u012fvyk\u0119 gaisrai ir kitos nelaim\u0117s taip pat rodo, kad tokie incidentai gali paliesti daugelio \u017emoni\u0173 turt\u0105 ir atnešti dideli\u0173 finansini\u0173 išlaid\u0173, o standartin\u0117s civilin\u0117s atsakomyb\u0117s sumos tokiais atvejais n\u0117ra pakankamos visai \u017ealai atlyginti“, – pabr\u0117\u017eia A. Juodeikis. <\/p>\n

Pasak eksperto, turim\u0105 b\u016bsto draudimo sutart\u012f bei jos sumas patartina per\u017ei\u016br\u0117ti ne re\u010diau nei vien\u0105 kart\u0105 per metus. <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Prieš m\u0117nes\u012f Vilniuje, viename Papil\u0117n\u0173 gatv\u0117s daugiabu\u010dio bute kil\u0119s gaisras dar kart\u0105 primin\u0117 apie netik\u0117tai u\u017eklumpan\u010dias nelaimes, galin\u010dias sunaikinti ne tik asmenin\u012f, bet ir kaimyn\u0173 turt\u0105. Šio gaisro metu buvo… <\/p>\n","protected":false},"author":1,"featured_media":10322,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":" \/ \u201eLietuvos draudimo\u201c nuotr.","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_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":[24],"tags":[],"class_list":["post-10321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603.jpg",900,600,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603.jpg",900,600,false],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603.jpg",900,600,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603.jpg",900,600,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603-100x100.jpg",100,100,true]},"author_info":{"info":["admin"]},"category_info":"Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2024\/12\/20241202094603.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/10321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=10321"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/10321\/revisions"}],"predecessor-version":[{"id":71228,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/10321\/revisions\/71228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/10322"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=10321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=10321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=10321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}