{"id":858,"date":"2018-04-17T10:00:02","date_gmt":"2018-04-17T08:00:02","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=858"},"modified":"2018-04-15T23:03:40","modified_gmt":"2018-04-15T21:03:40","slug":"tevekenysegi-felelossegbiztositas","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/tevekenysegi-felelossegbiztositas\/","title":{"rendered":"Tev\u00e9kenys\u00e9gi felel\u0151ss\u00e9gbiztos\u00edt\u00e1s"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">Ezen biztos\u00edt\u00e1s alapj\u00e1n a biztos\u00edt\u00f3 megt\u00e9r\u00edti a szerz\u0151d\u00e9s keretei k\u00f6z\u00f6tt azokat a szem\u00e9lys\u00e9r\u00fcl\u00e9ses k\u00e1rokat \u00e9s szerz\u0151d\u00e9sen k\u00edv\u00fcl okozott dologi k\u00e1rokat, melyet a biztos\u00edtott a biztos\u00edt\u00e1si szerz\u0151d\u00e9sben meghat\u00e1rozott min\u0151s\u00e9g\u00e9ben okoz, \u00e9s a magyar mag\u00e1njog szab\u00e1lyai szerint k\u00e1rt\u00e9r\u00edt\u00e9si felel\u0151ss\u00e9ggel tartozik.<\/p>\n<p>Ezen biztos\u00edt\u00e1s alapj\u00e1n T\u00e1rsas\u00e1gunk megt\u00e9r\u00edti a szerz\u0151d\u00e9s keretei k\u00f6z\u00f6tt azokat a<\/p>\n<ul style=\"text-align: justify;\">\n<li>szem\u00e9lys\u00e9r\u00fcl\u00e9ses k\u00e1rokat \u00e9s<\/li>\n<li>szerz\u0151d\u00e9sen k\u00edv\u00fcl okozott dologi k\u00e1rokat,<\/li>\n<li>szem\u00e9lyi s\u00e9r\u00fcl\u00e9ses \u00e9s szolg\u00e1ltat\u00f3i tev\u00e9kenys\u00e9gen k\u00edv\u00fcl okozott dologi k\u00e1rral k\u00f6zvetlen\u00fcl \u00f6sszef\u00fcgg\u0151 s\u00e9relemd\u00edjat, melyet a biztos\u00edtott a biztos\u00edt\u00e1si szerz\u0151d\u00e9sben meghat\u00e1rozott min\u0151s\u00e9g\u00e9ben okoz, \u00e9s a magyar mag\u00e1njog szab\u00e1lyai szerint k\u00e1rt\u00e9r\u00edt\u00e9si felel\u0151ss\u00e9ggel tartozik.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong>Hogyan hat\u00e1rozza meg a felel\u0151ss\u00e9gbiztos\u00edt\u00e1s a biztos\u00edt\u00e1si esem\u00e9nyt?<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u00a0\u00a0\u00a0 A vagyonbiztos\u00edt\u00e1sn\u00e1l egy\u00e9rtelm\u0171, meghat\u00e1rozzuk a k\u00e1r ok\u00e1t: t\u0171z, cs\u0151t\u00f6r\u00e9s, bet\u00f6r\u00e9s, \u00fcvegk\u00e1r, stb. De, a felel\u0151ss\u00e9gn\u00e9l ezt nem lehet \u00edgy megtenni.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Itt azt hat\u00e1rozza meg a felt\u00e9tel, hogy milyen min\u0151s\u00e9gedben okoztad a k\u00e1rt? Vagyis milyen tev\u00e9kenys\u00e9g k\u00f6zben?<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li><strong>Biciklivel nekiment\u00e9l egy aut\u00f3nak: ker\u00e9kp\u00e1rosk\u00e9nt okoztad.<\/strong><\/li>\n<li><strong>K\u00f6lt\u00f6ztet\u00e9s k\u00f6zben a szekr\u00e9nnyel \u00f6sszekaristoltad a vadonat\u00faj parkett\u00e1t: k\u00f6lt\u00f6ztet\u0151k\u00e9nt okoztad<\/strong><\/li>\n<li><strong>Munk\u00e1ltat\u00f3k\u00e9nt a beosztottad \u00fczemi balesetet szenvedett: munkaad\u00f3k\u00e9nt okoztad.<\/strong><\/li>\n<li><strong>Elszabt\u00e1l egy ruh\u00e1t, nem j\u00f3 a vev\u0151re: szab\u00f3k\u00e9nt okoztad.<\/strong><\/li>\n<li><strong>Az \u00e1ltalad k\u00e9sz\u00edtett s\u00fctem\u00e9nyben meggymag volt, a vev\u0151nek kit\u00f6rt a foga: p\u00e9kk\u00e9nt okoztad.<\/strong><\/li>\n<li><strong>A gy\u00e1rudvarodon ki\u00f6mlik az olaj \u00e9s belefolyik egy patakba: a telephely \u00fczemeltet\u0151jek\u00e9nt okoztad.<\/strong><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong>\u00a0A biztos\u00edt\u00e1si \u00f6sszeg<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Term\u00e9szetesen a felel\u0151ss\u00e9gbiztos\u00edt\u00e1sok is tartalmaznak biztos\u00edt\u00e1si \u00f6sszeget. S\u0151t, mindj\u00e1rt kett\u0151t is:<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>k\u00e1ronk\u00e9nt \u00e9s<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u00e9vente.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>A k\u00e1ronk\u00e9nti limit egy\u00e9rtelm\u0171. Az \u00e9ves limitn\u00e9l meg \u00f6sszead\u00f3dnak a k\u00e1ronk\u00e9nti kifizet\u00e9sek.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Az \u00e9v term\u00e9szetesen biztos\u00edt\u00e1si \u00e9vet jelent, biztos\u00edt\u00e1si \u00e9vfordul\u00f3t\u00f3l, biztos\u00edt\u00e1si \u00e9vfordul\u00f3ig.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>A biztos\u00edt\u00e1si \u00f6sszeg term\u00e9szetesen nagyban befoly\u00e1solja a biztos\u00edt\u00e1s d\u00edj\u00e1t.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Ez\u00e9rt a Szerz\u0151d\u0151k cs\u00ednj\u00e1n b\u00e1nnak vele. Viszont egy alacsony biztos\u00edt\u00e1si \u00f6sszeg neh\u00e9z helyzetbe hozhat egy v\u00e1llalkoz\u00e1st.<\/strong><\/p>\n<p style=\"text-align: justify;\">V\u00e1llalkoz\u00f3i felel\u0151ss\u00e9gbiztos\u00edt\u00e1sn\u00e1l nagyon nem mindegy, hogy milyen tev\u00e9kenys\u00e9gek vannak felsorolva a k\u00f6tv\u00e9nyen. Merthogy a biztos\u00edt\u00f3 kiz\u00e1r\u00f3lag azokra a min\u0151s\u00e9gekre fog t\u00e9r\u00edteni!<\/p>\n<p style=\"text-align: justify;\"><strong>N\u00e9h\u00e1ny tev\u00e9kenys\u00e9g:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>\u00e9p\u00edt\u0151ipari tev\u00e9kenys\u00e9g, karbantart\u00e1si tev\u00e9kenys\u00e9g,<\/li>\n<li>fodr\u00e1sz, pedik\u0171r\u00f6s, kozmetikus, manik\u0171r\u00f6s, szol\u00e1rium,<\/li>\n<li>g\u00e9pj\u00e1rm\u0171mos\u00f3, benzink\u00fat, g\u00e9pj\u00e1rm\u0171jav\u00edt\u00f3 m\u0171hely, szerviz, g\u00e9pj\u00e1rm\u0171 gumiszerel\u00e9s,<\/li>\n<li>k\u00f6z\u00fatkezel\u0151, \u00fatkarbantart\u00f3,<\/li>\n<li>rendezv\u00e9nyszervez\u0151,<\/li>\n<li>tan\u00e1csad\u00e1si tev\u00e9kenys\u00e9g,<\/li>\n<li>v\u00e1s\u00e1ri sz\u00f3rakoztat\u00e1s, vid\u00e1mpark, kalandpark.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ha valaki konyhab\u00fatort gy\u00e1rt, a k\u00e9rd\u00e9s, hogy ezeket csak legy\u00e1rtja megrendel\u00e9sre, vagy be is \u00e9p\u00edti a megrendel\u0151 konyh\u00e1j\u00e1ba? Ha be is \u00e9p\u00edti, akkor nem el\u00e9g a b\u00fatorgy\u00e1rt\u00e1st megjel\u00f6lni tev\u00e9kenys\u00e9gk\u00e9nt, hanem a be\u00e9p\u00edt\u00e9st is. Mert, ha a be\u00e9p\u00edt\u00e9s ut\u00e1n a b\u00fator leszakad \u00e9s k\u00e1rt okoz, azt nem fizeti ki a biztos\u00edt\u00f3.<\/p>\n<p style=\"text-align: justify;\">Vagy, ha valaki megmunk\u00e1l\u00f3 g\u00e9pek forgalmaz\u00e1s\u00e1val foglalkozik, k\u00e9rd\u00e9s, hogy \u00fczembe helyezi-e azokat \u00e9s szervizeli-e ut\u00e1na. Ha igen, akkor kev\u00e9s csak a forgalmaz\u00e1st, kereskedelmet be\u00edrni tev\u00e9kenys\u00e9gk\u00e9nt, a szervizel\u00e9st is meg kell jel\u00f6lni. Mert, ha nem, a szervizel\u00e9s sor\u00e1n okozott k\u00e1rokat a biztos\u00edt\u00f3 nem fogja kifizetni.<\/p>\n<p style=\"text-align: justify;\"><strong>A felel\u0151ss\u00e9g elismer\u00e9se<\/strong><\/p>\n<p style=\"text-align: justify;\">A felel\u0151ss\u00e9g elismer\u00e9se nagy szerepet j\u00e1tszik a felel\u0151ss\u00e9gi k\u00e1rrendez\u00e9sben.<\/p>\n<p style=\"text-align: justify;\">Egyr\u00e9szt a Biztos\u00edtott hozz\u00e1\u00e1ll\u00e1sa fontos. \u0150 ismeri legjobban a k\u00e1r k\u00f6r\u00fclm\u00e9nyeit, \u0150 hozza a d\u00f6nt\u00e9st, hogy felel\u0151ss\u00e9g terheli-e.<\/p>\n<p style=\"text-align: justify;\">Ugyanakkor a Biztos\u00edtott nem biztos, hogy jog\u00e9rt\u0151. Nem biztos, hogy tudja, hogy \u00e9ppen milyen jogszab\u00e1lyokat kell figyelembe venni \u00e9s hogyan kell \u00e9rtelmezni azokat.<\/p>\n<p style=\"text-align: justify;\">\u00c9s, k\u00e9rd\u00e9s, hogy j\u00f3l \u00e1ll-e a k\u00e1r\u00fcgyh\u00f6z? Na j\u00f3, ezt kifejtem, mert nem egy\u00e9rtelm\u0171.<br \/>\nLehet olyan Biztos\u00edtotti hozz\u00e1\u00e1ll\u00e1s, hogy csak fizessen a biztos\u00edt\u00f3 \u00e9n majd mindent al\u00e1\u00edrok (\u00e9s akkor finoman fogalmaztam).<br \/>\n\u00c9s lehet olyan is, hogy az \u00e9n biztos\u00edt\u00e1som alapj\u00e1n azt\u00e1n ne fizessen a Biztos\u00edt\u00f3!<\/p>\n<p style=\"text-align: justify;\">A Biztos\u00edtott felel\u0151ss\u00e9g elismer\u0151, vagy elutas\u00edt\u00f3 nyilatkozata a biztos\u00edt\u00f3kat \u00e1ltal\u00e1ban k\u00f6ti.<\/p>\n<p style=\"text-align: justify;\">Ha a Biztos\u00edtott nem ismeri el a felel\u0151ss\u00e9g\u00e9t, akkor legt\u00f6bbsz\u00f6r\u00a0a nyilatkozatot tudom\u00e1sul veszik, elutas\u00edtj\u00e1k a k\u00e1rig\u00e9nyt. Ha a Biztos\u00edtott elismeri a k\u00e1rokoz\u00e1st, akkor megvizsg\u00e1lj\u00e1k a k\u00e1r\u00fcgyet \u00e9s elb\u00edr\u00e1lj\u00e1k a jogalapot.<\/p>\n<p style=\"text-align: justify;\">K\u00e1rt\u00e9r\u00edt\u00e9s a m\u00faltb\u00e9li hib\u00e1kra<\/p>\n<p style=\"text-align: justify;\">\u00c1ltal\u00e1nos szab\u00e1ly a biztos\u00edt\u00e1sokn\u00e1l, hogy a kock\u00e1zatvisel\u00e9si id\u0151 alatt t\u00f6rt\u00e9n\u0151 k\u00e1resem\u00e9nyekre t\u00e9r\u00edt. Igaz ez a felel\u0151ss\u00e9gbiztos\u00edt\u00e1sokra is.<\/p>\n<p style=\"text-align: justify;\">Vannak azonban olyan esetek, amikor ez probl\u00e9m\u00e1t okoz, m\u00e9gpedig az\u00e9rt, mert egyes k\u00e1rokn\u00e1l nem der\u00fcl ki azonnal, hogy k\u00e1r t\u00f6rt\u00e9nt.<\/p>\n<p style=\"text-align: justify;\">P\u00e9ld\u00e1ul, egy kivitelez\u0151 \u00e9p\u00edt egy h\u00e1zat, amelyik k\u00e9s\u0151bb \u00f6sszed\u0151l. A g\u00e9pgy\u00e1rt\u00f3 k\u00e9sz\u00edt egy gyalug\u00e9pet, amelyr\u0151l k\u00e9s\u0151bb der\u00fcl ki, hogy hib\u00e1s. Valaki gyomirt\u00e1st v\u00e1llal, de a vet\u00e9ssel egy\u00fctt a gyom is kikel.<\/p>\n<p style=\"text-align: justify;\">Vagyis, a felel\u0151ss\u00e9gbiztos\u00edt\u00e1s eset\u00e9n a k\u00e1resem\u00e9nyt k\u00e9tfel\u00e9 kell v\u00e1lasztani<\/p>\n<p style=\"text-align: justify;\">a k\u00e1rokoz\u00e1s \u00e9s<\/p>\n<p style=\"text-align: justify;\">a k\u00e1r bek\u00f6vetkez\u00e9s\u00e9nek<\/p>\n<p style=\"text-align: justify;\">id\u0151pontj\u00e1ra.<\/p>\n<p style=\"text-align: justify;\">Ezzel a felel\u0151ss\u00e9gbiztos\u00edt\u00e1sok bevezetik a retroakt\u00edv id\u0151szakot. Ebben az id\u0151szakban kell a k\u00e1rokoz\u00e1snak t\u00f6rt\u00e9nnie.<\/p>\n<p style=\"text-align: justify;\">A retroakt\u00edv id\u0151szakot \u00e9vben szokt\u00e1k meghat\u00e1rozni. Visszamen\u0151legesen, a kock\u00e1zatvisel\u00e9s kezdet\u00e9t\u0151l. Az \u00e1ltal\u00e1nos retroakt\u00edv id\u0151szak 3 \u00e9v.<\/p>\n<p style=\"text-align: justify;\">A k\u00e1r bek\u00f6vetkez\u00e9s\u00e9nek pedig a kock\u00e1zatvisel\u00e9si id\u0151n bel\u00fcl kell bek\u00f6vetkeznie. \u00c9s az is nagyon fontos, hogy a Biztos\u00edtottnak mikor jut a tudom\u00e1s\u00e1ra.<\/p>\n<p style=\"text-align: justify;\">A teljess\u00e9g ig\u00e9nye n\u00e9lk\u00fcl, mert m\u00e9g nagyon sok mindent lehetne \u00edrni a t\u00e9m\u00e1r\u00f3l.<\/p>\n<p style=\"text-align: justify;\">H\u00edvj besz\u00e9lj\u00fck \u00e1t ig\u00e9nyedet!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Ezen biztos\u00edt\u00e1s alapj\u00e1n a biztos\u00edt\u00f3 megt\u00e9r\u00edti a szerz\u0151d\u00e9s keretei k\u00f6z\u00f6tt azokat a szem\u00e9lys\u00e9r\u00fcl\u00e9ses k\u00e1rokat \u00e9s szerz\u0151d\u00e9sen k\u00edv\u00fcl okozott dologi k\u00e1rokat, melyet a biztos\u00edtott a biztos\u00edt\u00e1si szerz\u0151d\u00e9sben meghat\u00e1rozott min\u0151s\u00e9g\u00e9ben okoz, &hellip;<\/p>\n","protected":false},"author":2,"featured_media":861,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cegeknek"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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