{"id":120322,"date":"2025-03-27T13:27:20","date_gmt":"2025-03-27T11:27:20","guid":{"rendered":"https:\/\/www.santaka.info\/?p=120322"},"modified":"2025-03-27T13:27:20","modified_gmt":"2025-03-27T11:27:20","slug":"jei-esate-keliu-butu-savininkas-butina-zinoti-viena-svarbu-dalyka","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/03\/27\/jei-esate-keliu-butu-savininkas-butina-zinoti-viena-svarbu-dalyka\/","title":{"rendered":"Jei esate keli\u0173 but\u0173 savininkas \u2013 b\u016btina \u017einoti vien\u0105 svarb\u0173 dalyk\u0105"},"content":{"rendered":"<p><em>Aivaras Tum\u0117nas<\/em>, \u201e<em>Lietuvos draudimo<\/em>\u201c <em>turto draudimo rizik\u0173 vertintojas<\/em><\/p><p><strong>Draud\u017eiant savo valdom\u0105 b\u016bst\u0105, \u012fprasta praktika yra \u012ftraukti ir civilin\u0117s atsakomyb\u0117s draudim\u0105, kuris u\u017etikrina, kad suk\u0117lus \u017eal\u0105 tre\u010di\u0173j\u0173 \u0161ali\u0173 turtui, ji bus atlyginta. Visgi draudik\u0173 praktikoje pasitaiko atvej\u0173, kai \u0161is civilin\u0117s atsakomyb\u0117s principas netaikomas \u2013 kokias atvejais tai tampa aktualu?<\/strong><\/p><p>Pagrindiniu akstinu apsidrausti civilin\u0117s atsakomyb\u0117s draudimu \u2013 nuo nelaimi\u0173, kai apgadinamas svetimas turtas \u2013 tampa bute tr\u016bk\u0119 vamzd\u017eiai, suged\u0119s vandens padavimas \u012f buitin\u0117s technikos \u012frang\u0105, netik\u0117tai kil\u0119s gaisras ar kitos nelaim\u0117s.<\/p><p>Ta\u010diau svarbu atkreipti d\u0117mes\u012f, kad civilin\u0117s atsakomyb\u0117s draudimas galioja tik tais atvejais, kai nety\u010din\u0117 \u017eala padaroma tre\u010diajai \u0161aliai \u2013 tai rei\u0161kia, kit\u0173 asmen\u0173 turtui. Papras\u010diau tariant, jei \u017eal\u0105 suk\u0117l\u0119s ir j\u0105 patyr\u0119s butai priklauso tam pa\u010diam \u0161eimininkui, tai civilin\u0117 atsakomyb\u0117 jam tiesiog nekyla ir draudimo i\u0161moka pagal civilin\u0117s atsakomyb\u0117s draudim\u0105 nemokama.<\/p><p>Visai neseniai buvo registruotas atvejis, kurio metu d\u0117l auk\u0161tu auk\u0161\u010diau esan\u010diame bute tr\u016bkusio vamzd\u017eio buvo u\u017epiltas ir nukent\u0117jo \u017eemiau esantis butas. Abu butai \u2013 ir turtas, d\u0117l kurio patirtas nuostolis, ir turtas, kuris patyr\u0117 nuostol\u012f \u2013 priklaus\u0117 tam pa\u010diam savininkui. Ir \u010dia atsirado niuans\u0173 \u2013 kadangi \u017ealos \u012fvykyje nebuvo jokios tre\u010diosios \u0161alies, tod\u0117l nekilo jokia civilin\u0117 atsakomyb\u0117 ir \u017eala \u017eemiau esan\u010diam butui pagal \u0161i\u0105 draudimo r\u016b\u0161\u012f negal\u0117jo b\u016bti atlyginta.<\/p><p>Taigi, ie\u0161kant geriausi\u0173 b\u016bd\u0173 apsisaugoti nuo nelaimi\u0173, patariama atkreipti d\u0117mes\u012f \u012f tai, koks turtas draud\u017eiamas ir kokios s\u0105lygos nurodomos sutartyje.<\/p><p><strong>Kok\u012f draudim\u0105 rinktis<\/strong><\/p><p>Nuosavyb\u0117s teise valdant du ar daugiau nekilnojamojo turto objekt\u0173 vienas vir\u0161 kito ar vienas \u0161alia kito, ir norint juos apsaugoti, geriausia rinktis pastat\u0173ir nam\u0173 turto draudim\u0105.<\/p><p>Pastat\u0173 draudimas apima pastato konstrukcijas \u2013 sienas, lubas, grindis, langus, duris ir kitus stacionariai tvirtinamus elementus, taip pat \u0161ildymo, vandentiekio ir kitas in\u017einerines sistemas.<\/p><p>Tuo tarpu nam\u0173 turto draudimas u\u017etikrina, kad namuose esantys daiktai, tokie kaip buitin\u0117 technika, baldai, nam\u0173 dekoracijos, drabu\u017eiai, meno dirbiniai ir kiti vertingi objektai, b\u016bt\u0173 apsaugoti nuo galim\u0173 nuostoli\u0173.<\/p><p>Gyvenant daugiabu\u010diame name, civilin\u0117s atsakomyb\u0117s draudimas irgi b\u016btinas, tik jis, kaip min\u0117ta, nekompensuos \u017ealos, kuri sukelta d\u0117l tam pa\u010diam savininkui nuosavyb\u0117s teise priklausan\u010diame bute nutikusios nelaim\u0117s ar buitin\u0117s avarijos.<\/p><p>Kalbant apie civilin\u0117s atsakomyb\u0117s draudim\u0105, gyventojams neretai kyla klausim\u0173, kuo civilin\u0117s atsakomyb\u0117s draudimas skiriasi nuo asmens civilin\u0117s atsakomyb\u0117s draudimo.<\/p><p>Pirmuoju atveju draudimas apsaugo, jei nety\u010dia u\u017elietum\u0117te svetim\u0105 but\u0105 ar j\u016bs\u0173 name kil\u0119s gaisras suniokot\u0173 kaimyn\u0173 turt\u0105, o asmens civilin\u0117s atsakomyb\u0117s draudimas \u2013 jei tretieji asmenys, \u012fskaitant ir kaimynus, nukent\u0117t\u0173 d\u0117l j\u016bs\u0173 ar j\u016bs\u0173 \u0161eimos nari\u0173 padarytos \u017ealos sveikatai ar turtui netgi ir u\u017e draudimo vietos rib\u0173. &nbsp;<\/p><p><strong>Kokiais atvejais patirta \u017eala neatlyginama<\/strong><\/p><p>Nors draudimas gelb\u0117ja nuo \u012fvairi\u0173 netik\u0117t\u0173 nelaimi\u0173, pasitaiko, kad kai kuri\u0173 \u017eal\u0173 pagal draudimo s\u0105lygas negalima kompensuoti. Taip gali nutikti, kai \u012frodyti patirtai \u017ealai stinga informacijos, ji pateikiama klaidingai arba i\u0161 viso nepateikiama.<\/p><p>Taip pat jautr\u016bs tie atvejai, kai \u017eala fiksuojama i\u0161kart po draudimo sutarties pasira\u0161ymo, pavyzd\u017eiui, kit\u0105 dien\u0105. Tokiais atvejais, draudikas privalo \u012fsitikinti, ar fiksuojama \u017eala nepatirta anks\u010diau \u2013 prie\u0161 pasira\u0161ant sutart\u012f su draudimo bendrove.<\/p><p>Taip pat tarp nedraud\u017eiam\u0173 nelaimi\u0173 \u2013 b\u016bsto nuostoliai, kuriuos lemia ilgalaikis aplinkos poveikis (pel\u0117sis, korozija, kalk\u0117s), nedideli estetiniai sugadinimai, planiniai remonto darbai ar pasikartojantys nuostoliai d\u0117l tos pa\u010dios prie\u017easties, d\u0117l kurios kil\u0119 nuostoliai jau buvo kart\u0105 kompensuoti.<\/p><p>Savo klientams visuomet rekomenduojame atid\u017eiai susipa\u017einti su skirtingomis draudim\u0173 r\u016b\u0161i\u0173 s\u0105lygomis ir bent kart\u0105 per metus per\u017ei\u016br\u0117ti savo sutart\u012f pasikeitus turto apim\u010diai.<\/p><p>\u201eLietuvos draudimo\u201c duomenimis, pra\u0117jusiais metais pagal civilin\u0117s atsakomyb\u0117s draudimo linij\u0105 buvo registruota daugiau nei 1150 \u017eal\u0173 atvej\u0173, da\u017eniausia \u017ealos prie\u017eastis \u2013 u\u017eliejimai vandeniu. &nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Aivaras Tum\u0117nas, \u201eLietuvos draudimo\u201c turto draudimo rizik\u0173 vertintojas Draud\u017eiant savo valdom\u0105 b\u016bst\u0105, \u012fprasta praktika yra \u012ftraukti ir civilin\u0117s atsakomyb\u0117s draudim\u0105, kuris u\u017etikrina, kad suk\u0117lus \u017eal\u0105 tre\u010di\u0173j\u0173 \u0161ali\u0173 turtui, ji bus&#8230; 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