{"id":1087,"date":"2026-10-29T15:26:50","date_gmt":"2026-10-29T14:26:50","guid":{"rendered":"https:\/\/mapaagentow.pl\/news\/top-news\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\/"},"modified":"2026-10-30T10:14:41","modified_gmt":"2026-10-30T09:14:41","slug":"bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia","status":"publish","type":"post","link":"https:\/\/mapaagentow.pl\/news\/top-news\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\/","title":{"rendered":"BMW warte p\u00f3\u0142 miliona z\u0142otych, potr\u0105cony pieszy i zniszczona infrastruktura. Kto zap\u0142aci za skutki zdarzenia?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span><span>22-letni <\/span><span>kierowca <\/span><span>sportowego <\/span><span>BMW, <\/span><span>samoch\u00f3d <\/span><span>o <\/span><span>warto\u015bci <\/span><span>oko\u0142o <\/span><span>500 <\/span><span>tys. <\/span><span>z\u0142, <\/span><span>potr\u0105cony <\/span><span>73-letni <\/span><span>pieszy <\/span><span>i <\/span><span>uszkodzona <\/span><span>infrastruktura <\/span><span>miejska. <\/span><span>Zdarzenie, <\/span><span>do <\/span><span>kt\u00f3rego <\/span><span>dosz\u0142o <\/span><span>27 <\/span><span>pa\u017adziernika <\/span><span>2026 <\/span><span>roku <\/span><span>na <\/span><span>Rynku <\/span><span>w <\/span><span>Nowym <\/span><span>S\u0105czu, <\/span><span>rodzi <\/span><span>pytania <\/span><span>nie <\/span><span>tylko <\/span><span>o <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>karn\u0105 <\/span><span>kierowcy, <\/span><span>ale <\/span><span>r\u00f3wnie\u017c <\/span><span>o <\/span><span>finansowe <\/span><span>konsekwencje <\/span><span>jego <\/span><span>zachowania. <\/span><span>Kto <\/span><span>zap\u0142aci <\/span><span>za <\/span><span>leczenie <\/span><span>poszkodowanego, <\/span><span>napraw\u0119 <\/span><span>miejskiego <\/span><span>mienia <\/span><span>i <\/span><span>uszkodzone <\/span><span>BMW? <\/span><span>Czy <\/span><span>obowi\u0105zkowe <\/span><span>OC <\/span><span>pokryje <\/span><span>wszystkie <\/span><span>szkody, <\/span><span>a <\/span><span>ubezpieczyciel <\/span><span>mo\u017ce <\/span><span>p\u00f3\u017aniej <\/span><span>za\u017c\u0105da\u0107 <\/span><span>zwrotu <\/span><span>wyp\u0142aconych <\/span><span>pieni\u0119dzy?<\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Niebezpieczny <\/span><span>manewr <\/span><span>w <\/span><span>centrum <\/span><span>miasta<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>We <\/span><span>wtorek, <\/span><span>27 <\/span><span>pa\u017adziernika, <\/span><span>oko\u0142o <\/span><span>godziny <\/span><span>15, <\/span><span>na <\/span><span>Rynku <\/span><span>w <\/span><span>Nowym <\/span><span>S\u0105czu <\/span><span>dosz\u0142o <\/span><span>do <\/span><span>niebezpiecznego <\/span><span>zdarzenia <\/span><span>z <\/span><span>udzia\u0142em <\/span><span>sportowego <\/span><span>BMW. <\/span><span>Wed\u0142ug <\/span><span>informacji <\/span><span>przekazanych <\/span><span>przez <\/span><span>policj\u0119 <\/span><span>kieruj\u0105cy <\/span><span>pojazdem <\/span><span>22-latek <\/span><span>straci\u0142 <\/span><span>nad <\/span><span>nim <\/span><span>panowanie, <\/span><span>wjecha\u0142 <\/span><span>na <\/span><span>chodnik <\/span><span>w <\/span><span>rejonie <\/span><span>przystanku <\/span><span>autobusowego <\/span><span>i <\/span><span>potr\u0105ci\u0142 <\/span><span>73-letniego <\/span><span>m\u0119\u017cczyzn\u0119.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>wyniku <\/span><span>zdarzenia <\/span><span>uszkodzone <\/span><span>zosta\u0142y <\/span><span>r\u00f3wnie\u017c <\/span><span>elementy <\/span><span>infrastruktury <\/span><span>drogowej. <\/span><span>Poszkodowany <\/span><span>pieszy <\/span><span>trafi\u0142 <\/span><span>do <\/span><span>szpitala. <\/span><span>Wed\u0142ug <\/span><span>wst\u0119pnych <\/span><span>ustale\u0144 <\/span><span>policji <\/span><span>odni\u00f3s\u0142 <\/span><span>obra\u017cenia <\/span><span>skutkuj\u0105ce <\/span><span>naruszeniem <\/span><span>czynno\u015bci <\/span><span>narz\u0105du <\/span><span>cia\u0142a <\/span><span>lub <\/span><span>rozstrojem <\/span><span>zdrowia <\/span><span>na <\/span><span>okres <\/span><span>poni\u017cej <\/span><span>siedmiu <\/span><span>dni.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Kierowca <\/span><span>by\u0142 <\/span><span>trze\u017awy <\/span><span>podczas <\/span><span>badania <\/span><span>alkomatem. <\/span><span>Funkcjonariusze <\/span><span>zatrzymali <\/span><span>mu <\/span><span>prawo <\/span><span>jazdy <\/span><span>i <\/span><span>pobrali <\/span><span>krew <\/span><span>do <\/span><span>dalszych <\/span><span>bada\u0144.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nagrania <\/span><span>zdarzenia <\/span><span>wskazuj\u0105, <\/span><span>\u017ce <\/span><span>kieruj\u0105cy <\/span><span>m\u00f3g\u0142 <\/span><span>celowo <\/span><span>wprowadzi\u0107 <\/span><span>samoch\u00f3d <\/span><span>w <\/span><span>po\u015blizg. <\/span><span>29 <\/span><span>pa\u017adziernika <\/span><span>media <\/span><span>poinformowa\u0142y <\/span><span>o <\/span><span>przedstawieniu <\/span><span>22-latkowi <\/span><span>zarzutu <\/span><span>sprowadzenia <\/span><span>bezpo\u015bredniego <\/span><span>niebezpiecze\u0144stwa <\/span><span>katastrofy <\/span><span>w <\/span><span>ruchu <\/span><span>l\u0105dowym. <\/span><span>M\u0119\u017cczyzna <\/span><span>nie <\/span><span>przyzna\u0142 <\/span><span>si\u0119 <\/span><span>do <\/span><span>zarzutu, <\/span><span>a <\/span><span>prokuratura <\/span><span>wyst\u0105pi\u0142a <\/span><span>o <\/span><span>zastosowanie <\/span><span>tymczasowego <\/span><span>aresztowania.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wed\u0142ug <\/span><span>doniesie\u0144 <\/span><span>medialnych <\/span><span>BMW <\/span><span>pochodzi\u0142o <\/span><span>z <\/span><span>2026 <\/span><span>roku, <\/span><span>a <\/span><span>jego <\/span><span>warto\u015b\u0107 <\/span><span>oszacowano <\/span><span>na <\/span><span>oko\u0142o <\/span><span>p\u00f3\u0142 <\/span><span>miliona <\/span><span>z\u0142otych.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Z <\/span><span>perspektywy <\/span><span>ubezpieczeniowej <\/span><span>jest <\/span><span>to <\/span><span>przypadek <\/span><span>szczeg\u00f3lnie <\/span><span>interesuj\u0105cy. <\/span><span>Jedno <\/span><span>zdarzenie <\/span><span>mo\u017ce <\/span><span>bowiem <\/span><span>uruchomi\u0107 <\/span><span>kilka <\/span><span>niezale\u017cnych <\/span><span>post\u0119powa\u0144 <\/span><span>odszkodowawczych, <\/span><span>opartych <\/span><span>na <\/span><span>r\u00f3\u017cnych <\/span><span>podstawach <\/span><span>prawnych <\/span><span>i <\/span><span>warunkach <\/span><span>ochrony.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Jeden <\/span><span>wypadek, <\/span><span>trzy <\/span><span>rodzaje <\/span><span>szk\u00f3d<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>analizowanej <\/span><span>sytuacji <\/span><span>nale\u017cy <\/span><span>rozdzieli\u0107 <\/span><span>trzy <\/span><span>podstawowe <\/span><span>obszary <\/span><span>odpowiedzialno\u015bci.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><span>Rodzaj <\/span><span>szkody<\/span><\/th><th><span>Potencjalne <\/span><span>\u017ar\u00f3d\u0142o <\/span><span>pokrycia<\/span><\/th><\/tr><\/thead><tbody><tr><td><span>Obra\u017cenia <\/span><span>potr\u0105conego <\/span><span>pieszego<\/span><\/td><td><span>Obowi\u0105zkowe <\/span><span>OC <\/span><span>posiadacza <\/span><span>pojazdu<\/span><\/td><\/tr><tr><td><span>Uszkodzona <\/span><span>infrastruktura <\/span><span>miejska<\/span><\/td><td><span>Obowi\u0105zkowe <\/span><span>OC <\/span><span>posiadacza <\/span><span>pojazdu<\/span><\/td><\/tr><tr><td><span>Uszkodzenia <\/span><span>BMW<\/span><\/td><td><span>Autocasco, <\/span><span>o <\/span><span>ile <\/span><span>zawarto <\/span><span>umow\u0119 <\/span><span>i <\/span><span>szkoda <\/span><span>mie\u015bci <\/span><span>si\u0119 <\/span><span>w <\/span><span>zakresie <\/span><span>ochrony<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>rozr\u00f3\u017cnienie <\/span><span>ma <\/span><span>kluczowe <\/span><span>znaczenie. <\/span><span>Obowi\u0105zkowe <\/span><span>OC <\/span><span>komunikacyjne <\/span><span>nie <\/span><span>s\u0142u\u017cy <\/span><span>ochronie <\/span><span>maj\u0105tku <\/span><span>kierowcy, <\/span><span>kt\u00f3ry <\/span><span>spowodowa\u0142 <\/span><span>zdarzenie. <\/span><span>Jego <\/span><span>podstawowym <\/span><span>zadaniem <\/span><span>jest <\/span><span>zapewnienie <\/span><span>ochrony <\/span><span>osobom <\/span><span>trzecim, <\/span><span>kt\u00f3re <\/span><span>ponios\u0142y <\/span><span>szkod\u0119 <\/span><span>w <\/span><span>zwi\u0105zku <\/span><span>z <\/span><span>ruchem <\/span><span>pojazdu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>oznacza <\/span><span>to <\/span><span>jednak, <\/span><span>\u017ce <\/span><span>ka\u017cdy <\/span><span>wydatek <\/span><span>zwi\u0105zany <\/span><span>ze <\/span><span>zdarzeniem <\/span><span>zostanie <\/span><span>automatycznie <\/span><span>pokryty <\/span><span>przez <\/span><span>ubezpieczyciela. <\/span><span>Znaczenie <\/span><span>maj\u0105 <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>cywilna, <\/span><span>zwi\u0105zek <\/span><span>przyczynowy, <\/span><span>rozmiar <\/span><span>szkody <\/span><span>oraz <\/span><span>\u2013 <\/span><span>w <\/span><span>przypadku <\/span><span>ubezpiecze\u0144 <\/span><span>dobrowolnych <\/span><span>\u2013 <\/span><span>warunki <\/span><span>konkretnej <\/span><span>umowy.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Potr\u0105cony <\/span><span>73-latek. <\/span><span>Jakie <\/span><span>odszkodowanie <\/span><span>mo\u017ce <\/span><span>otrzyma\u0107?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Pierwsz\u0105 <\/span><span>kategori\u0105 <\/span><span>s\u0105 <\/span><span>szkody <\/span><span>osobowe. <\/span><span>W <\/span><span>przypadku <\/span><span>potr\u0105conego <\/span><span>pieszego <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>mo\u017ce <\/span><span>obejmowa\u0107 <\/span><span>znacznie <\/span><span>wi\u0119cej <\/span><span>ni\u017c <\/span><span>sam <\/span><span>zwrot <\/span><span>koszt\u00f3w <\/span><span>leczenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Zgodnie <\/span><span>z <\/span><span>art. <\/span><span>34 <\/span><span>ustawy <\/span><span>o <\/span><span>ubezpieczeniach <\/span><span>obowi\u0105zkowych, <\/span><span>odszkodowanie <\/span><span>z <\/span><span>OC <\/span><span>posiadaczy <\/span><span>pojazd\u00f3w <\/span><span>mechanicznych <\/span><span>przys\u0142uguje, <\/span><span>je\u017celi <\/span><span>posiadacz <\/span><span>lub <\/span><span>kieruj\u0105cy <\/span><span>s\u0105 <\/span><span>zobowi\u0105zani <\/span><span>do <\/span><span>naprawienia <\/span><span>szkody <\/span><span>wyrz\u0105dzonej <\/span><span>w <\/span><span>zwi\u0105zku <\/span><span>z <\/span><span>ruchem <\/span><span>pojazdu, <\/span><span>kt\u00f3rej <\/span><span>nast\u0119pstwem <\/span><span>jest <\/span><span>mi\u0119dzy <\/span><span>innymi <\/span><span>uszkodzenie <\/span><span>cia\u0142a <\/span><span>lub <\/span><span>rozstr\u00f3j <\/span><span>zdrowia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Poszkodowany <\/span><span>mo\u017ce <\/span><span>zatem <\/span><span>dochodzi\u0107 <\/span><span>zado\u015b\u0107uczynienia <\/span><span>za <\/span><span>doznan\u0105 <\/span><span>krzywd\u0119, <\/span><span>zwrotu <\/span><span>uzasadnionych <\/span><span>koszt\u00f3w <\/span><span>leczenia <\/span><span>i <\/span><span>rehabilitacji, <\/span><span>koszt\u00f3w <\/span><span>opieki <\/span><span>os\u00f3b <\/span><span>trzecich <\/span><span>czy <\/span><span>innych <\/span><span>udokumentowanych <\/span><span>strat. <\/span><span>W <\/span><span>okre\u015blonych <\/span><span>sytuacjach <\/span><span>mo\u017cliwe <\/span><span>s\u0105 <\/span><span>r\u00f3wnie\u017c <\/span><span>roszczenia <\/span><span>rentowe.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Warto <\/span><span>zwr\u00f3ci\u0107 <\/span><span>uwag\u0119 <\/span><span>na <\/span><span>wiek <\/span><span>poszkodowanego. <\/span><span>U <\/span><span>osoby <\/span><span>starszej <\/span><span>nawet <\/span><span>obra\u017cenia <\/span><span>pocz\u0105tkowo <\/span><span>ocenione <\/span><span>jako <\/span><span>stosunkowo <\/span><span>niewielkie <\/span><span>mog\u0105 <\/span><span>wi\u0105za\u0107 <\/span><span>si\u0119 <\/span><span>z <\/span><span>konieczno\u015bci\u0105 <\/span><span>rehabilitacji, <\/span><span>opieki <\/span><span>lub <\/span><span>d\u0142u\u017cszego <\/span><span>powrotu <\/span><span>do <\/span><span>samodzielno\u015bci. <\/span><span>Nie <\/span><span>oznacza <\/span><span>to, <\/span><span>\u017ce <\/span><span>takie <\/span><span>konsekwencje <\/span><span>wyst\u0105pi\u0142y <\/span><span>w <\/span><span>tym <\/span><span>konkretnym <\/span><span>przypadku, <\/span><span>ale <\/span><span>powinny <\/span><span>zosta\u0107 <\/span><span>uwzgl\u0119dnione <\/span><span>przy <\/span><span>ocenie <\/span><span>rzeczywistych <\/span><span>nast\u0119pstw <\/span><span>zdarzenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Istotne <\/span><span>jest <\/span><span>r\u00f3wnie\u017c <\/span><span>rozr\u00f3\u017cnienie <\/span><span>pomi\u0119dzy <\/span><span>kwalifikacj\u0105 <\/span><span>obra\u017ce\u0144 <\/span><span>na <\/span><span>potrzeby <\/span><span>post\u0119powania <\/span><span>karnego <\/span><span>a <\/span><span>cywilnoprawn\u0105 <\/span><span>ocen\u0105 <\/span><span>szkody.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Informacja <\/span><span>o <\/span><span>naruszeniu <\/span><span>czynno\u015bci <\/span><span>narz\u0105du <\/span><span>cia\u0142a <\/span><span>na <\/span><span>okres <\/span><span>poni\u017cej <\/span><span>siedmiu <\/span><span>dni <\/span><span>nie <\/span><span>oznacza <\/span><span>automatycznie, <\/span><span>\u017ce <\/span><span>poszkodowanemu <\/span><span>przys\u0142uguje <\/span><span>jedynie <\/span><span>symboliczne <\/span><span>zado\u015b\u0107uczynienie. <\/span><span>Wysoko\u015b\u0107 <\/span><span>\u015bwiadcze\u0144 <\/span><span>zale\u017cy <\/span><span>od <\/span><span>indywidualnych <\/span><span>okoliczno\u015bci, <\/span><span>przebiegu <\/span><span>leczenia <\/span><span>oraz <\/span><span>rzeczywistego <\/span><span>rozmiaru <\/span><span>krzywdy <\/span><span>i <\/span><span>szkody <\/span><span>maj\u0105tkowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Na <\/span><span>obecnym <\/span><span>etapie <\/span><span>nie <\/span><span>ma <\/span><span>wystarczaj\u0105cych <\/span><span>informacji, <\/span><span>aby <\/span><span>wiarygodnie <\/span><span>oszacowa\u0107 <\/span><span>warto\u015b\u0107 <\/span><span>potencjalnych <\/span><span>roszcze\u0144 <\/span><span>73-latka.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Uszkodzone <\/span><span>s\u0142upki <\/span><span>i <\/span><span>znaki. <\/span><span>Miasto <\/span><span>r\u00f3wnie\u017c <\/span><span>mo\u017ce <\/span><span>dochodzi\u0107 <\/span><span>odszkodowania<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Drug\u0105 <\/span><span>kategori\u0105 <\/span><span>s\u0105 <\/span><span>szkody <\/span><span>w <\/span><span>infrastrukturze <\/span><span>drogowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wed\u0142ug <\/span><span>doniesie\u0144 <\/span><span>z <\/span><span>miejsca <\/span><span>zdarzenia <\/span><span>BMW <\/span><span>uszkodzi\u0142o <\/span><span>elementy <\/span><span>infrastruktury <\/span><span>miejskiej, <\/span><span>w <\/span><span>tym <\/span><span>s\u0142upek <\/span><span>i <\/span><span>znak <\/span><span>drogowy. <\/span><span>Koszty <\/span><span>przywr\u00f3cenia <\/span><span>ich <\/span><span>do <\/span><span>poprzedniego <\/span><span>stanu <\/span><span>mog\u0105 <\/span><span>zosta\u0107 <\/span><span>obj\u0119te <\/span><span>odpowiedzialno\u015bci\u0105 <\/span><span>z <\/span><span>obowi\u0105zkowego <\/span><span>OC <\/span><span>pojazdu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Podmiot <\/span><span>uprawniony <\/span><span>do <\/span><span>dochodzenia <\/span><span>roszcze\u0144, <\/span><span>na <\/span><span>przyk\u0142ad <\/span><span>w\u0142a\u015bciciel <\/span><span>uszkodzonego <\/span><span>mienia, <\/span><span>mo\u017ce <\/span><span>wyst\u0105pi\u0107 <\/span><span>do <\/span><span>ubezpieczyciela <\/span><span>o <\/span><span>pokrycie <\/span><span>uzasadnionych <\/span><span>koszt\u00f3w <\/span><span>naprawy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>praktyce <\/span><span>nie <\/span><span>chodzi <\/span><span>wy\u0142\u0105cznie <\/span><span>o <\/span><span>cen\u0119 <\/span><span>nowego <\/span><span>znaku <\/span><span>czy <\/span><span>s\u0142upka. <\/span><span>W <\/span><span>zale\u017cno\u015bci <\/span><span>od <\/span><span>zakresu <\/span><span>zniszcze\u0144 <\/span><span>do <\/span><span>koszt\u00f3w <\/span><span>mog\u0105 <\/span><span>zosta\u0107 <\/span><span>zaliczone <\/span><span>r\u00f3wnie\u017c <\/span><span>demonta\u017c <\/span><span>uszkodzonych <\/span><span>element\u00f3w, <\/span><span>transport, <\/span><span>robocizna, <\/span><span>odtworzenie <\/span><span>nawierzchni <\/span><span>czy <\/span><span>inne <\/span><span>niezb\u0119dne <\/span><span>prace.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Ka\u017cdy <\/span><span>z <\/span><span>tych <\/span><span>wydatk\u00f3w <\/span><span>powinien <\/span><span>jednak <\/span><span>pozostawa\u0107 <\/span><span>w <\/span><span>zwi\u0105zku <\/span><span>przyczynowym <\/span><span>ze <\/span><span>zdarzeniem <\/span><span>i <\/span><span>odpowiada\u0107 <\/span><span>rzeczywi\u015bcie <\/span><span>poniesionej <\/span><span>szkodzie.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>przypadku <\/span><span>Nowego <\/span><span>S\u0105cza <\/span><span>nie <\/span><span>podano <\/span><span>dotychczas <\/span><span>wiarygodnej, <\/span><span>ostatecznej <\/span><span>warto\u015bci <\/span><span>uszkodze\u0144 <\/span><span>infrastruktury. <\/span><span>Nie <\/span><span>ma <\/span><span>wi\u0119c <\/span><span>podstaw <\/span><span>do <\/span><span>okre\u015blania <\/span><span>konkretnej <\/span><span>kwoty <\/span><span>odszkodowania.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>BMW <\/span><span>za <\/span><span>p\u00f3\u0142 <\/span><span>miliona <\/span><span>z\u0142otych. <\/span><span>Czy <\/span><span>w\u0142a\u015bciciel <\/span><span>odzyska <\/span><span>pieni\u0105dze <\/span><span>z <\/span><span>AC?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Najbardziej <\/span><span>kosztownym <\/span><span>elementem <\/span><span>ca\u0142ego <\/span><span>zdarzenia <\/span><span>mo\u017ce <\/span><span>okaza\u0107 <\/span><span>si\u0119 <\/span><span>naprawa <\/span><span>samego <\/span><span>samochodu. <\/span><span>Wed\u0142ug <\/span><span>informacji <\/span><span>medialnych <\/span><span>warto\u015b\u0107 <\/span><span>BMW <\/span><span>wynosi <\/span><span>oko\u0142o <\/span><span>500 <\/span><span>tys. <\/span><span>z\u0142, <\/span><span>ale <\/span><span>nie <\/span><span>oznacza <\/span><span>to, <\/span><span>\u017ce <\/span><span>na <\/span><span>tak\u0105 <\/span><span>kwot\u0119 <\/span><span>powsta\u0142a <\/span><span>szkoda.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>znamy <\/span><span>szczeg\u00f3\u0142owego <\/span><span>zakresu <\/span><span>uszkodze\u0144, <\/span><span>kosztorysu <\/span><span>naprawy <\/span><span>ani <\/span><span>informacji <\/span><span>o <\/span><span>ewentualnym <\/span><span>uznaniu <\/span><span>szkody <\/span><span>za <\/span><span>ca\u0142kowit\u0105.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Kluczowe <\/span><span>pytanie <\/span><span>brzmi: <\/span><span>czy <\/span><span>w\u0142a\u015bciciel <\/span><span>pojazdu <\/span><span>posiada\u0142 <\/span><span>autocasco?<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Je\u017celi <\/span><span>samoch\u00f3d <\/span><span>nie <\/span><span>by\u0142 <\/span><span>obj\u0119ty <\/span><span>AC, <\/span><span>co <\/span><span>do <\/span><span>zasady <\/span><span>w\u0142a\u015bciciel <\/span><span>b\u0119dzie <\/span><span>musia\u0142 <\/span><span>sam <\/span><span>ponie\u015b\u0107 <\/span><span>koszty <\/span><span>naprawy <\/span><span>w\u0142asnego <\/span><span>pojazdu, <\/span><span>o <\/span><span>ile <\/span><span>nie <\/span><span>istnieje <\/span><span>inna <\/span><span>podstawa <\/span><span>odpowiedzialno\u015bci <\/span><span>osoby <\/span><span>trzeciej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Je\u017celi <\/span><span>AC <\/span><span>zosta\u0142o <\/span><span>zawarte, <\/span><span>sytuacja <\/span><span>wymaga <\/span><span>szczeg\u00f3\u0142owej <\/span><span>analizy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Autocasco <\/span><span>jest <\/span><span>ubezpieczeniem <\/span><span>dobrowolnym, <\/span><span>a <\/span><span>zakres <\/span><span>ochrony <\/span><span>zale\u017cy <\/span><span>od <\/span><span>warunk\u00f3w <\/span><span>konkretnej <\/span><span>umowy. <\/span><span>W <\/span><span>wielu <\/span><span>produktach <\/span><span>AC <\/span><span>ochron\u0105 <\/span><span>obj\u0119te <\/span><span>s\u0105 <\/span><span>szkody <\/span><span>powsta\u0142e <\/span><span>w <\/span><span>wyniku <\/span><span>zderzenia <\/span><span>z <\/span><span>przeszkod\u0105, <\/span><span>r\u00f3wnie\u017c <\/span><span>wtedy, <\/span><span>gdy <\/span><span>kierowca <\/span><span>sam <\/span><span>doprowadzi\u0142 <\/span><span>do <\/span><span>zdarzenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>oznacza <\/span><span>to <\/span><span>jednak <\/span><span>bezwarunkowej <\/span><span>wyp\u0142aty.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>analizowanym <\/span><span>przypadku <\/span><span>szczeg\u00f3lne <\/span><span>znaczenie <\/span><span>mog\u0105 <\/span><span>mie\u0107 <\/span><span>postanowienia <\/span><span>dotycz\u0105ce <\/span><span>umy\u015blnego <\/span><span>wyrz\u0105dzenia <\/span><span>szkody, <\/span><span>ra\u017c\u0105cego <\/span><span>niedbalstwa <\/span><span>oraz <\/span><span>sposobu <\/span><span>u\u017cytkowania <\/span><span>pojazdu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Art. <\/span><span>827 <\/span><span>Kodeksu <\/span><span>cywilnego <\/span><span>przewiduje, <\/span><span>\u017ce <\/span><span>ubezpieczyciel <\/span><span>co <\/span><span>do <\/span><span>zasady <\/span><span>nie <\/span><span>odpowiada <\/span><span>za <\/span><span>szkod\u0119 <\/span><span>wyrz\u0105dzon\u0105 <\/span><span>umy\u015blnie <\/span><span>przez <\/span><span>ubezpieczaj\u0105cego. <\/span><span>W <\/span><span>przypadku <\/span><span>ra\u017c\u0105cego <\/span><span>niedbalstwa <\/span><span>obowi\u0105zuj\u0105 <\/span><span>r\u00f3wnie\u017c <\/span><span>ustawowe <\/span><span>ograniczenia <\/span><span>odpowiedzialno\u015bci, <\/span><span>z <\/span><span>przewidzianymi <\/span><span>wyj\u0105tkami, <\/span><span>w <\/span><span>tym <\/span><span>wynikaj\u0105cymi <\/span><span>z <\/span><span>umowy <\/span><span>oraz <\/span><span>wzgl\u0119d\u00f3w <\/span><span>s\u0142uszno\u015bci.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Je\u017celi <\/span><span>ustalenia <\/span><span>potwierdz\u0105, <\/span><span>\u017ce <\/span><span>kierowca <\/span><span>celowo <\/span><span>wprowadzi\u0142 <\/span><span>pojazd <\/span><span>w <\/span><span>po\u015blizg <\/span><span>w <\/span><span>centrum <\/span><span>miasta, <\/span><span>okoliczno\u015b\u0107 <\/span><span>ta <\/span><span>mo\u017ce <\/span><span>mie\u0107 <\/span><span>istotne <\/span><span>znaczenie <\/span><span>przy <\/span><span>rozpatrywaniu <\/span><span>roszczenia <\/span><span>z <\/span><span>AC.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Trzeba <\/span><span>jednak <\/span><span>wyra\u017anie <\/span><span>rozdzieli\u0107 <\/span><span>celowe <\/span><span>wykonanie <\/span><span>manewru <\/span><span>od <\/span><span>zamiaru <\/span><span>uszkodzenia <\/span><span>pojazdu. <\/span><span>Nie <\/span><span>s\u0105 <\/span><span>to <\/span><span>poj\u0119cia <\/span><span>to\u017csame.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>mo\u017cna <\/span><span>wi\u0119c <\/span><span>przes\u0105dza\u0107, <\/span><span>\u017ce <\/span><span>ubezpieczyciel <\/span><span>odm\u00f3wi <\/span><span>wyp\u0142aty. <\/span><span>Ostateczna <\/span><span>decyzja <\/span><span>b\u0119dzie <\/span><span>zale\u017ca\u0142a <\/span><span>od <\/span><span>ustalonych <\/span><span>okoliczno\u015bci, <\/span><span>tre\u015bci <\/span><span>OWU <\/span><span>oraz <\/span><span>obowi\u0105zuj\u0105cych <\/span><span>przepis\u00f3w.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Czy <\/span><span>ubezpieczyciel <\/span><span>zap\u0142aci <\/span><span>za <\/span><span>pieszego <\/span><span>i <\/span><span>miasto, <\/span><span>a <\/span><span>p\u00f3\u017aniej <\/span><span>wystawi <\/span><span>rachunek <\/span><span>kierowcy?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>prawdopodobnie <\/span><span>najwa\u017cniejsze <\/span><span>pytanie <\/span><span>z <\/span><span>punktu <\/span><span>widzenia <\/span><span>odpowiedzialno\u015bci <\/span><span>finansowej <\/span><span>22-latka.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>powszechnym <\/span><span>przekonaniu <\/span><span>kierowca, <\/span><span>kt\u00f3ry <\/span><span>ra\u017c\u0105co <\/span><span>narusza <\/span><span>przepisy, <\/span><span>automatycznie <\/span><span>traci <\/span><span>ochron\u0119 <\/span><span>z <\/span><span>obowi\u0105zkowego <\/span><span>OC.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Tak <\/span><span>jednak <\/span><span>nie <\/span><span>dzia\u0142a <\/span><span>system <\/span><span>ubezpiecze\u0144 <\/span><span>komunikacyjnych.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Obowi\u0105zkowe <\/span><span>OC <\/span><span>ma <\/span><span>przede <\/span><span>wszystkim <\/span><span>zapewni\u0107 <\/span><span>ochron\u0119 <\/span><span>poszkodowanym. <\/span><span>Je\u017celi <\/span><span>istnieje <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>cywilna <\/span><span>obj\u0119ta <\/span><span>ubezpieczeniem, <\/span><span>zak\u0142ad <\/span><span>ubezpiecze\u0144 <\/span><span>powinien <\/span><span>zaspokoi\u0107 <\/span><span>uzasadnione <\/span><span>roszczenia <\/span><span>w <\/span><span>granicach <\/span><span>tej <\/span><span>odpowiedzialno\u015bci.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Odr\u0119bnym <\/span><span>zagadnieniem <\/span><span>jest <\/span><span>regres <\/span><span>ubezpieczeniowy, <\/span><span>czyli <\/span><span>mo\u017cliwo\u015b\u0107 <\/span><span>dochodzenia <\/span><span>przez <\/span><span>ubezpieczyciela <\/span><span>zwrotu <\/span><span>wyp\u0142aconych <\/span><span>\u015bwiadcze\u0144 <\/span><span>bezpo\u015brednio <\/span><span>od <\/span><span>kieruj\u0105cego.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Zgodnie <\/span><span>z <\/span><span>art. <\/span><span>43 <\/span><span>ustawy <\/span><span>o <\/span><span>ubezpieczeniach <\/span><span>obowi\u0105zkowych <\/span><span>taka <\/span><span>mo\u017cliwo\u015b\u0107 <\/span><span>istnieje <\/span><span>w <\/span><span>okre\u015blonych <\/span><span>sytuacjach, <\/span><span>mi\u0119dzy <\/span><span>innymi <\/span><span>gdy <\/span><span>kieruj\u0105cy:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span>wyrz\u0105dzi\u0142 <\/span><span>szkod\u0119 <\/span><span>umy\u015blnie,<\/span><\/li>\n\n<li><span>prowadzi\u0142 <\/span><span>pojazd <\/span><span>w <\/span><span>stanie <\/span><span>po <\/span><span>u\u017cyciu <\/span><span>alkoholu <\/span><span>albo <\/span><span>pod <\/span><span>wp\u0142ywem <\/span><span>okre\u015blonych <\/span><span>\u015brodk\u00f3w,<\/span><\/li>\n\n<li><span>nie <\/span><span>posiada\u0142 <\/span><span>wymaganych <\/span><span>uprawnie\u0144 <\/span><span>do <\/span><span>kierowania <\/span><span>pojazdem, <\/span><span>z <\/span><span>ustawowymi <\/span><span>wyj\u0105tkami,<\/span><\/li>\n\n<li><span>zbieg\u0142 <\/span><span>z <\/span><span>miejsca <\/span><span>zdarzenia.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span><span>Samo <\/span><span>ra\u017c\u0105ce <\/span><span>niedbalstwo, <\/span><span>nawet <\/span><span>bardzo <\/span><span>powa\u017cne, <\/span><span>nie <\/span><span>stanowi <\/span><span>samodzielnej <\/span><span>przes\u0142anki <\/span><span>regresu <\/span><span>z <\/span><span>obowi\u0105zkowego <\/span><span>OC.<\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Ma <\/span><span>to <\/span><span>szczeg\u00f3lne <\/span><span>znaczenie <\/span><span>w <\/span><span>przypadku <\/span><span>s\u0105deckiego <\/span><span>zdarzenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nawet <\/span><span>je\u017celi <\/span><span>kierowca <\/span><span>\u015bwiadomie <\/span><span>wprowadzi\u0142 <\/span><span>BMW <\/span><span>w <\/span><span>po\u015blizg, <\/span><span>nie <\/span><span>oznacza <\/span><span>to <\/span><span>automatycznie, <\/span><span>\u017ce <\/span><span>umy\u015blnie <\/span><span>wyrz\u0105dzi\u0142 <\/span><span>szkod\u0119 <\/span><span>pieszemu <\/span><span>i <\/span><span>infrastrukturze <\/span><span>drogowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>regresu <\/span><span>opartego <\/span><span>na <\/span><span>umy\u015blno\u015bci <\/span><span>znaczenie <\/span><span>ma <\/span><span>zamiar <\/span><span>wyrz\u0105dzenia <\/span><span>szkody, <\/span><span>a <\/span><span>nie <\/span><span>wy\u0142\u0105cznie <\/span><span>zamiar <\/span><span>wykonania <\/span><span>niebezpiecznego <\/span><span>manewru.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Z <\/span><span>dost\u0119pnych <\/span><span>informacji <\/span><span>wynika, <\/span><span>\u017ce <\/span><span>kierowca <\/span><span>by\u0142 <\/span><span>trze\u017awy <\/span><span>podczas <\/span><span>badania <\/span><span>alkomatem. <\/span><span>Sam <\/span><span>fakt <\/span><span>zatrzymania <\/span><span>prawa <\/span><span>jazdy <\/span><span>po <\/span><span>zdarzeniu <\/span><span>nie <\/span><span>oznacza <\/span><span>natomiast, <\/span><span>\u017ce <\/span><span>wcze\u015bniej <\/span><span>nie <\/span><span>mia\u0142 <\/span><span>uprawnie\u0144 <\/span><span>do <\/span><span>prowadzenia <\/span><span>pojazdu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>ma <\/span><span>zatem <\/span><span>podstaw, <\/span><span>aby <\/span><span>na <\/span><span>obecnym <\/span><span>etapie <\/span><span>przes\u0105dza\u0107 <\/span><span>o <\/span><span>mo\u017cliwo\u015bci <\/span><span>dochodzenia <\/span><span>przez <\/span><span>ubezpieczyciela <\/span><span>zwrotu <\/span><span>wyp\u0142aconych <\/span><span>odszkodowa\u0144.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Odpowiedzialno\u015b\u0107 <\/span><span>karna <\/span><span>to <\/span><span>nie <\/span><span>to <\/span><span>samo <\/span><span>co <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>ubezpieczeniowa<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Przedstawiony <\/span><span>kierowcy <\/span><span>zarzut <\/span><span>sprowadzenia <\/span><span>bezpo\u015bredniego <\/span><span>niebezpiecze\u0144stwa <\/span><span>katastrofy <\/span><span>w <\/span><span>ruchu <\/span><span>l\u0105dowym <\/span><span>pokazuje, <\/span><span>jak <\/span><span>powa\u017cnie <\/span><span>organy <\/span><span>\u015bcigania <\/span><span>oceniaj\u0105 <\/span><span>okoliczno\u015bci <\/span><span>zdarzenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>oznacza <\/span><span>jednak <\/span><span>automatycznie, <\/span><span>\u017ce <\/span><span>wszystkie <\/span><span>potencjalne <\/span><span>\u015bwiadczenia <\/span><span>ubezpieczeniowe <\/span><span>zostan\u0105 <\/span><span>zakwestionowane.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Odpowiedzialno\u015b\u0107 <\/span><span>karna <\/span><span>i <\/span><span>cywilna <\/span><span>opieraj\u0105 <\/span><span>si\u0119 <\/span><span>na <\/span><span>odr\u0119bnych <\/span><span>przes\u0142ankach.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>post\u0119powaniu <\/span><span>karnym <\/span><span>istotne <\/span><span>b\u0119dzie <\/span><span>mi\u0119dzy <\/span><span>innymi <\/span><span>ustalenie <\/span><span>charakteru <\/span><span>zachowania <\/span><span>kierowcy <\/span><span>i <\/span><span>stopnia <\/span><span>zagro\u017cenia, <\/span><span>jakie <\/span><span>stworzy\u0142 <\/span><span>dla <\/span><span>innych <\/span><span>uczestnik\u00f3w <\/span><span>ruchu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>post\u0119powaniu <\/span><span>odszkodowawczym <\/span><span>kluczowe <\/span><span>b\u0119d\u0105 <\/span><span>natomiast <\/span><span>rozmiar <\/span><span>szk\u00f3d, <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>cywilna <\/span><span>oraz <\/span><span>zakres <\/span><span>ochrony <\/span><span>wynikaj\u0105cy <\/span><span>z <\/span><span>OC <\/span><span>lub <\/span><span>AC.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Materia\u0142y <\/span><span>zgromadzone <\/span><span>przez <\/span><span>policj\u0119 <\/span><span>i <\/span><span>prokuratur\u0119, <\/span><span>w <\/span><span>tym <\/span><span>nagrania <\/span><span>monitoringu <\/span><span>i <\/span><span>ewentualne <\/span><span>opinie <\/span><span>bieg\u0142ych, <\/span><span>mog\u0105 <\/span><span>mie\u0107 <\/span><span>istotne <\/span><span>znaczenie <\/span><span>dla <\/span><span>procesu <\/span><span>likwidacji <\/span><span>szk\u00f3d.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Jednak <\/span><span>sam <\/span><span>zarzut <\/span><span>karny <\/span><span>nie <\/span><span>jest <\/span><span>r\u00f3wnoznaczny <\/span><span>ani <\/span><span>z <\/span><span>podstaw\u0105 <\/span><span>do <\/span><span>odmowy <\/span><span>\u015bwiadczenia <\/span><span>z <\/span><span>AC, <\/span><span>ani <\/span><span>z <\/span><span>automatycznym <\/span><span>prawem <\/span><span>regresu <\/span><span>z <\/span><span>OC.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Czego <\/span><span>ta <\/span><span>sprawa <\/span><span>uczy <\/span><span>bran\u017c\u0119 <\/span><span>ubezpieczeniow\u0105?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Zdarzenie <\/span><span>w <\/span><span>Nowym <\/span><span>S\u0105czu <\/span><span>jest <\/span><span>dobrym <\/span><span>przyk\u0142adem <\/span><span>sytuacji, <\/span><span>w <\/span><span>kt\u00f3rej <\/span><span>jedno <\/span><span>zachowanie <\/span><span>kierowcy <\/span><span>mo\u017ce <\/span><span>prowadzi\u0107 <\/span><span>do <\/span><span>kilku <\/span><span>zupe\u0142nie <\/span><span>r\u00f3\u017cnych <\/span><span>konsekwencji <\/span><span>finansowych.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>agent\u00f3w <\/span><span>i <\/span><span>multiagent\u00f3w <\/span><span>to <\/span><span>okazja <\/span><span>do <\/span><span>przypomnienia <\/span><span>klientom <\/span><span>r\u00f3\u017cnicy <\/span><span>mi\u0119dzy <\/span><span>OC <\/span><span>a <\/span><span>AC, <\/span><span>ale <\/span><span>r\u00f3wnie\u017c <\/span><span>do <\/span><span>wyja\u015bnienia <\/span><span>granic <\/span><span>odpowiedzialno\u015bci <\/span><span>ubezpieczyciela.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>praktyce <\/span><span>szczeg\u00f3lnie <\/span><span>istotne <\/span><span>s\u0105 <\/span><span>trzy <\/span><span>zagadnienia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Pierwsze <\/span><span>to <\/span><span>ochrona <\/span><span>poszkodowanych. <\/span><span>Obowi\u0105zkowe <\/span><span>OC <\/span><span>nie <\/span><span>przestaje <\/span><span>dzia\u0142a\u0107 <\/span><span>wy\u0142\u0105cznie <\/span><span>dlatego, <\/span><span>\u017ce <\/span><span>kierowca <\/span><span>zachowa\u0142 <\/span><span>si\u0119 <\/span><span>skrajnie <\/span><span>nieodpowiedzialnie.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Drugie <\/span><span>dotyczy <\/span><span>autocasco. <\/span><span>Nawet <\/span><span>szeroki <\/span><span>wariant <\/span><span>AC <\/span><span>nie <\/span><span>oznacza, <\/span><span>\u017ce <\/span><span>okoliczno\u015bci <\/span><span>powstania <\/span><span>szkody <\/span><span>pozostaj\u0105 <\/span><span>bez <\/span><span>znaczenia. <\/span><span>Przy <\/span><span>sprzeda\u017cy <\/span><span>ochrony <\/span><span>dla <\/span><span>pojazd\u00f3w <\/span><span>o <\/span><span>wysokiej <\/span><span>warto\u015bci <\/span><span>szczeg\u00f3lnie <\/span><span>wa\u017cne <\/span><span>jest <\/span><span>om\u00f3wienie <\/span><span>wy\u0142\u0105cze\u0144 <\/span><span>odpowiedzialno\u015bci <\/span><span>oraz <\/span><span>zasad <\/span><span>likwidacji <\/span><span>szkody.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Trzecim <\/span><span>zagadnieniem <\/span><span>jest <\/span><span>regres. <\/span><span>Warto <\/span><span>u\u015bwiadamia\u0107 <\/span><span>klientom, <\/span><span>\u017ce <\/span><span>ustawowe <\/span><span>przes\u0142anki <\/span><span>dochodzenia <\/span><span>zwrotu <\/span><span>\u015bwiadcze\u0144 <\/span><span>z <\/span><span>OC <\/span><span>s\u0105 <\/span><span>\u015bci\u015ble <\/span><span>okre\u015blone. <\/span><span>Nie <\/span><span>ka\u017cde <\/span><span>naruszenie <\/span><span>przepis\u00f3w, <\/span><span>nawet <\/span><span>bardzo <\/span><span>powa\u017cne, <\/span><span>oznacza <\/span><span>automatyczny <\/span><span>obowi\u0105zek <\/span><span>oddania <\/span><span>ubezpieczycielowi <\/span><span>wyp\u0142aconych <\/span><span>pieni\u0119dzy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>zak\u0142ad\u00f3w <\/span><span>ubezpiecze\u0144 <\/span><span>podobne <\/span><span>zdarzenia <\/span><span>oznaczaj\u0105 <\/span><span>konieczno\u015b\u0107 <\/span><span>prowadzenia <\/span><span>odr\u0119bnej <\/span><span>oceny <\/span><span>odpowiedzialno\u015bci <\/span><span>za <\/span><span>szkody <\/span><span>osobowe, <\/span><span>maj\u0105tkowe <\/span><span>oraz <\/span><span>ewentualne <\/span><span>uszkodzenia <\/span><span>ubezpieczonego <\/span><span>pojazdu. <\/span><span>Ka\u017cdy <\/span><span>z <\/span><span>tych <\/span><span>obszar\u00f3w <\/span><span>mo\u017ce <\/span><span>wymaga\u0107 <\/span><span>innego <\/span><span>materia\u0142u <\/span><span>dowodowego <\/span><span>i <\/span><span>odmiennej <\/span><span>podstawy <\/span><span>prawnej.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>P\u00f3\u0142 <\/span><span>miliona <\/span><span>z\u0142otych <\/span><span>to <\/span><span>dopiero <\/span><span>pocz\u0105tek <\/span><span>finansowych <\/span><span>pyta\u0144<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Warto\u015b\u0107 <\/span><span>BMW <\/span><span>przyci\u0105ga <\/span><span>uwag\u0119, <\/span><span>ale <\/span><span>z <\/span><span>perspektywy <\/span><span>ubezpieczeniowej <\/span><span>nie <\/span><span>ona <\/span><span>jest <\/span><span>najwa\u017cniejsza.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Znacznie <\/span><span>istotniejsze <\/span><span>pozostaj\u0105 <\/span><span>rzeczywiste <\/span><span>nast\u0119pstwa <\/span><span>zdarzenia: <\/span><span>stan <\/span><span>zdrowia <\/span><span>potr\u0105conego <\/span><span>m\u0119\u017cczyzny, <\/span><span>koszty <\/span><span>naprawy <\/span><span>infrastruktury, <\/span><span>zakres <\/span><span>uszkodze\u0144 <\/span><span>samochodu <\/span><span>oraz <\/span><span>ustalenia <\/span><span>dotycz\u0105ce <\/span><span>zachowania <\/span><span>kierowcy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Na <\/span><span>dzi\u015b <\/span><span>nie <\/span><span>wiadomo, <\/span><span>jaka <\/span><span>b\u0119dzie <\/span><span>\u0142\u0105czna <\/span><span>warto\u015b\u0107 <\/span><span>szk\u00f3d, <\/span><span>czy <\/span><span>BMW <\/span><span>posiada\u0142o <\/span><span>autocasco <\/span><span>ani <\/span><span>jakie <\/span><span>decyzje <\/span><span>podejm\u0105 <\/span><span>ewentualni <\/span><span>ubezpieczyciele.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Jedno <\/span><span>jest <\/span><span>jednak <\/span><span>pewne: <\/span><span><span>niebezpieczny <\/span><span>manewr <\/span><span>za <\/span><span>kierownic\u0105 <\/span><span>mo\u017ce <\/span><span>prowadzi\u0107 <\/span><span>do <\/span><span>wielu <\/span><span>odr\u0119bnych <\/span><span>roszcze\u0144, <\/span><span>a <\/span><span>odpowied\u017a <\/span><span>na <\/span><span>pytanie, <\/span><span>kto <\/span><span>ostatecznie <\/span><span>zap\u0142aci, <\/span><span>wymaga <\/span><span>znacznie <\/span><span>wi\u0119cej <\/span><span>ni\u017c <\/span><span>ustalenia, <\/span><span>kto <\/span><span>prowadzi\u0142 <\/span><span>samoch\u00f3d.<\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>w\u0142a\u015bnie <\/span><span>w <\/span><span>takich <\/span><span>przypadkach <\/span><span>najlepiej <\/span><span>wida\u0107 <\/span><span>r\u00f3\u017cnic\u0119 <\/span><span>mi\u0119dzy <\/span><span>ochron\u0105 <\/span><span>poszkodowanych, <\/span><span>ubezpieczeniem <\/span><span>w\u0142asnego <\/span><span>maj\u0105tku <\/span><span>a <\/span><span>osobist\u0105 <\/span><span>odpowiedzialno\u015bci\u0105 <\/span><span>kierowcy.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0179r\u00f3d\u0142a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.dts24.pl\/news\/rozpedzone-bmw-potracilo-pieszego-na-chodniku-znamy-oficjalne-ustalenia-policji?utm\" target=\"_blank\" rel=\"noopener noreferrer\">DTS24<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>BMW warte 500 tys. z\u0142 potr\u0105ci\u0142o pieszego i zniszczy\u0142o infrastruktur\u0119 w Nowym S\u0105czu. Analizujemy, kto zap\u0142aci za szkody z OC, AC i kiedy mo\u017cliwy jest regres.<\/p>\n","protected":false},"author":2,"featured_media":1086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-news"],"acf":{"audio":1089,"argos_url":"https:\/\/argos.ma-news.pl\/articles\/generated\/6201180c-2a69-4dc9-87da-81bca3bf51dd","inline_tile_enable":true,"inline_tile_post":"","inline_tile_enable_2":true,"inline_tile_post_2":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BMW warte p\u00f3\u0142 miliona z\u0142otych, potr\u0105cony pieszy i zniszczona infrastruktura. Kto zap\u0142aci za skutki zdarzenia? - Mapa Agent\u00f3w - News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mapaagentow.pl\/news\/top-news\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BMW warte p\u00f3\u0142 miliona z\u0142otych, potr\u0105cony pieszy i zniszczona infrastruktura. Kto zap\u0142aci za skutki zdarzenia? - Mapa Agent\u00f3w - News\" \/>\n<meta property=\"og:description\" content=\"BMW warte 500 tys. z\u0142 potr\u0105ci\u0142o pieszego i zniszczy\u0142o infrastruktur\u0119 w Nowym S\u0105czu. Analizujemy, kto zap\u0142aci za szkody z OC, AC i kiedy mo\u017cliwy jest regres.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mapaagentow.pl\/news\/top-news\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\/\" \/>\n<meta property=\"og:site_name\" content=\"Mapa Agent\u00f3w - News\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-29T14:26:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-30T09:14:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mapaagentow.pl\/news\/wp-content\/uploads\/2026\/10\/0ee6cd7a-23d1-43ae-862d-ba6b15a3fce8.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1872\" \/>\n\t<meta property=\"og:image:height\" content=\"1248\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"MA NEWS\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"MA NEWS\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mapaagentow.pl\\\/news\\\/top-news\\\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mapaagentow.pl\\\/news\\\/top-news\\\/bmw-warte-po-miliona-z-otych-potracony-pieszy-i-zniszczona-infrastruktura-kto-zap-aci-za-skutki-zdarzenia\\\/\"},\"author\":{\"name\":\"MA NEWS\",\"@id\":\"https:\\\/\\\/mapaagentow.pl\\\/news\\\/#\\\/schema\\\/person\\\/e8eb9dfc7946cf3d2b61ac4cdc9bb422\"},\"headline\":\"BMW warte p\u00f3\u0142 miliona z\u0142otych, potr\u0105cony pieszy i zniszczona infrastruktura. 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