{"presentation":{"slides":[{"elements":[{"x":1.5432098765432098463890042694401927292346954345703125,"y":3.048343682460135095624309542472474277019500732421875,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"

Loengutunni teemad<\/h2>\n\n
\n\t
\u00dclevaade s\u00f5idukite kindlustamisest;<\/strong><\/li>\n\t
Liikluskindlustus ja kaskokindlustus<\/strong>.<\/li>\n<\/ul>\n"},"subContentId":"5c320557-f932-42fe-b4ac-894a53db4bb4","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":43.20987654320987303435686044394969940185546875,"y":3.048343682460135095624309542472474277019500732421875,"width":50.92592592592592382061411626636981964111328125,"height":73.1602483790432387422697502188384532928466796875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
S\u00f5idukijuhte puudutavad kindlustusliigid on:<\/h2>
Liikluskindlustus (sundkindlustus);<\/strong><\/li>
Kaskokindlustus;<\/strong><\/li>
Elukindlustus;<\/strong><\/li>
Veosekindlustus.<\/strong><\/li><\/ul>"},"subContentId":"213659f3-cd7b-49a6-8ca2-2433d96755bd","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.086419753086419692778008538880385458469390869140625,"y":39.6190180065661223807182977907359600067138671875,"width":36.96234567901234413511701859533786773681640625,"height":48.77349891936216152998895267955958843231201171875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a370e900f3c.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":500,"height":334}},"subContentId":"e0e5894a-c9c6-469e-967d-0bd4aff3be61","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":4.629629629629629761211617733351886272430419921875,"y":6.082390633049531203369042486883699893951416015625,"width":78.703703703703695282456465065479278564453125,"height":88.4019667913439235462647047825157642364501953125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liikluskindlustus<\/h2>
Liikluskindlustusega tutvumiseks on hea abiline <\/strong>Liikluskindlustuse seadus<\/strong><\/a>. See on lihtsasti leitav internetist <\/strong>www.riigiteataja.ee<\/strong><\/a> lehek\u00fcljelt.<\/strong><\/p>
Liikluskindlustuse p\u00f5him\u00f5tted:<\/strong><\/p>
liikluskindlustus on kohustuslik vastutuskindlustus<\/strong><\/li>
liikluskindlustus kaitseb \u00f5nnetuse p\u00f5hjustanud s\u00f5iduki juhti<\/strong>
tema liikluskindlustuse ettev\u00f5te h\u00fcvitab tema eest kannatanule kahju<\/strong><\/li><\/ul><\/li>
liikluskindlustus kaitseb liiklus\u00f5nnetuses kahju saajat<\/strong>
kahjud h\u00fcvitab kahju p\u00f5hjustaja kindlustusandja<\/strong><\/li><\/ul><\/li>
kindlustuskaitse miinimumn\u00f5uded kehtestatakse seadusega<\/strong><\/li><\/ul>"},"subContentId":"a6284488-1a71-4fe4-95ca-41ba9e33fe8b","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.07898090351166775491265070741064846515655517578125,"y":3.0388311051109440086293034255504608154296875,"width":70.96772202868947942988597787916660308837890625,"height":94.3898774604664509979556896723806858062744140625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustamisele kuuluvad s\u00f5idukid<\/strong><\/h2>
Kindlustusleping tuleb s\u00f5lmida:<\/strong><\/p>
k\u00f5ikidele s\u00f5idukitele, mis on registreeritud v\u00f5i peab registreerima liiklusregistris<\/strong><\/li>
trammidele ja trollidele<\/strong><\/li>
teisaldatava numbrim\u00e4rgiga s\u00f5idukitele ehk n\u00f6 PROOV numbritega s\u00f5idukitele<\/strong><\/li>
transiitm\u00e4rgiga s\u00f5idukitele<\/strong><\/li>
muudele s\u00f5idukitele, mille kiirus on \u00fcle 25 km\/h<\/strong><\/li>
muudele s\u00f5idukitele, mille kiirus on \u00fcle 14 km\/h ja mass on \u00fcle 25 kg<\/strong>
s\u00f5idukiks ei loeta elektriratastooli, k\u00fcll aga loetakse nt. murutraktorit<\/strong><\/li><\/ul><\/li>
k\u00f5ikide eelnevate s\u00f5idukite haagistele<\/strong><\/li><\/ul>"},"subContentId":"ab8297a3-aff6-4e38-b441-c82363e0c58a","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":74.051115273179448195151053369045257568359375,"y":48.61689710762816929445762070827186107635498046875,"width":25.9467248396283736155965016223490238189697265625,"height":51.249013375429314010034431703388690948486328125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b35be62933b.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1024,"height":1024}},"subContentId":"8cc7a5a2-ff88-4d47-8106-9812c7c073dd","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":78.68160485789485392160713672637939453125,"y":9.142467064262401521546053118072450160980224609375,"width":15.41480468671721837381483055651187896728515625,"height":32.7346695168667309872034820728003978729248046875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-66e95358812c7.png","mime":"image\/png","copyright":{"license":"U"},"width":825,"height":887}},"metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"},"subContentId":"1afe880d-fad8-4d26-91e5-9d5613c875e9"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":69.366621090227482682166737504303455352783203125,"y":24.3606842916217516403776244260370731353759765625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Siin on m\u00f5eldud k\u00f5iki liiklusregistris registreerimisele kuuluvaid s\u00f5idukeid, sh s\u00f5iduauto, veoauto, buss, mopeed, mootorratas, traktor, lumesaan ja ATV.<\/span><\/p>"},"subContentId":"5244ce7a-52c1-431f-b572-70e8567a3699","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.06940358954682945835656937560997903347015380859375,"width":77.07402343358609186907415278255939483642578125,"height":91.349216499491461718207574449479579925537109375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustamisest vabastatud s\u00f5idukid<\/strong><\/h2>
Kindlustuslepingut ei pea s\u00f5lmima:<\/strong><\/p>
s\u00f5idukile, mis on liiklusregistrist ajutiselt kustutatud v\u00f5i mille registrikanne on peatatud<\/strong><\/span><\/li>
maastikus\u00f5idukile, vanas\u00f5idukile ja v\u00f5istluss\u00f5idukile, mida ei kasutata liiklemiseks<\/strong><\/span><\/li>
Kaitsev\u00e4e, Kaitsepolitseiameti, Kaitseliidu ning Politsei- ja Piirivalveameti valduses olev s\u00f5idukile<\/strong><\/span><\/li>
registreerimata s\u00f5iduk, mida kasutatakse avalikuks liikluseks suletud lennuv\u00e4lja, sadama v\u00f5i kinnistu territooriumil v\u00f5i muul avalikuks liikluseks suletud alal<\/strong><\/span>
n\u00e4iteks murutraktor oma aias, mootorsaan oma p\u00f5llul jne<\/strong><\/span><\/li><\/ul><\/li>
registreerimiskohustusega s\u00f5iduk, mida n\u00f5uetele mittevastavuse t\u00f5ttu pole v\u00f5imalik registreerida - ei tohi liikluses kasutada<\/strong><\/span><\/li><\/ul>"},"subContentId":"ab8297a3-aff6-4e38-b441-c82363e0c58a","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":80.1569843709295355438371188938617706298828125,"y":6.090171072905437910094406106509268283843994140625,"width":19.727404593920095265957570518366992473602294921875,"height":24.3606842916217516403776244260370731353759765625,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a3712bc02fc.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1702,"height":1064}},"metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"},"subContentId":"f67e8dfe-aecb-430a-b3c0-a9ac45a16880"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":80.0028363240623576757570845074951648712158203125,"y":33.49594090097991028187607298605144023895263671875,"width":20.0252186204674700320538249798119068145751953125,"height":27.81061395014585713170163217000663280487060546875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b455e464abe.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":640,"height":450}},"subContentId":"2da49d40-3b2e-43be-863d-889bc1c5f135","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":80.1569843709295355438371188938617706298828125,"y":63.91573639303527443189523182809352874755859375,"width":19.7975419552446538773438078351318836212158203125,"height":36.063557025316839599327067844569683074951171875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b455f441deb.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":900,"height":830}},"subContentId":"b9c7330c-5644-4ef2-9020-15096d55f37a","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":67.8251406215557608447852544486522674560546875,"y":6.090171072905437910094406106509268283843994140625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Alates 1. detsembrist 2024 laienes liikluskindlustus ka osadele registreerimata s\u00f5idukitele, vt t\u00e4psemalt:<\/span><\/p>
https:\/\/www.lkf.ee\/sites\/default\/files\/Kindl_soiduk_liikluskind(6).pdf<\/a><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"f6e799d2-a94d-474f-b5b4-cc2de952bc86"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.0797873312261341283146975911222398281097412109375,"width":94.030308588975032080270466394722461700439453125,"height":88.2867739754809690566617064177989959716796875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liikluskindlustuse leping ja poliis<\/h2>
Lepinguga kohustub kindlustusandja s\u00f5iduki valdaja asemel h\u00fcvitama kahjustatud isikule kahju, mis on tekkinud kindlustusjuhtumi tagaj\u00e4rjel. <\/strong><\/p>
Kindlustuse ostja ehk kindlustusv\u00f5tja kohustub tasuma kindlustusandjale kindlustusmakseid.<\/strong><\/p>
Lepingu v\u00f5ib s\u00f5lmida kindlustusv\u00f5tjana iga isik, kellel on kindlustushuvi.<\/strong><\/p>
Lepingu v\u00f5ib s\u00f5lmida t\u00e4htajaga kuni \u00fcks aasta<\/strong><\/p>
Lepingu alusel antav kindlustuskaitse kehtib k\u00f5igis lepinguriikides.<\/strong><\/p>
Kolmandates riikides kehtib kindlustuskaitse siis, kui see riik on \u00e4ra m\u00e4rgitud lepingu s\u00f5lmimist kinnitaval poliisil v\u00f5i rohelisel kaardil.<\/strong><\/p>
Teises lepinguriigis kehtiva kindlustuskaitse eest kindlustusandja lisatasu ei v\u00f5ta.<\/strong><\/p>
Kindlustusv\u00f5tjal on \u00f5igus v\u00f5tta lisakindlustusmakset kolmandas riigis kehtiva kindlustuskaitse eest.<\/strong><\/p>"},"subContentId":"15a0b30a-9f5b-47ff-97a5-52ec9e19150c","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.084718225077728970262569418991915881633758544921875,"y":6.08325872873768958015716634690761566162109375,"width":61.659218746868873495259322226047515869140625,"height":88.400964683097953411561320535838603973388671875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Poliis on lepingu s\u00f5lmimist t\u00f5endav dokument<\/strong><\/p>
Kui oled valinud automaatselt pikeneva kindlustuslepingu, on kindlustusandja kohustatud v\u00e4ljastama kindlustusperioodi alguseks uue poliisi.<\/strong><\/p>
Roheline kaart on poliisi eriliik, mis t\u00f5endab lepingus kokku lepitud kindlustuskaitse kehtimist peale Eesti ja lepinguriikide ka rohelisel kaardil m\u00e4rgitud kolmandas riigis. <\/strong><\/p>
Nii Eestis kui ka rohelise kaardi riikides s\u00f5ites v\u00f5ib poliis ja roheline kaart olla elektroonilisel kujul (.pdf)<\/strong><\/p>
V\u00e4lisriiki s\u00f5ites v\u00f5ta soovitame siiski roheline kaart paberile tr\u00fckituna kaasa v\u00f5tta - see v\u00e4ldib sekeldusi kohalike v\u00f5imuesindajatega. See v\u00f5ib olla tr\u00fckitud ka valgele paberile<\/strong><\/p>"},"subContentId":"bd9b0406-887d-4957-afce-17fd662e2b27","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":67.0544003872198999260945129208266735076904296875,"y":24.3606842916217516403776244260370731353759765625,"width":32.88609846668938274660831666551530361175537109375,"height":48.721368583243503280755248852074146270751953125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b461f84adff.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":768,"height":576}},"subContentId":"bd5bbccf-863c-4cbc-957d-7d0c81e25ba8","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":3.041626319283308621521655368269421160221099853515625,"width":92.4888281203033102428889833390712738037109375,"height":96.94791076681343611198826692998409271240234375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Millest s\u00f5ltub kindlustusmakse?<\/h3>
Igal kindlustusandjal on oma metoodika, mille abil t\u00e4pne kindlustusmakse v\u00e4lja arvutatakse. <\/strong><\/p>
Tavaliselt v\u00f5tab kindlustusandja kindlustusmakse m\u00e4\u00e4ramisel arvesse:<\/strong><\/p>
kindlustatava riskiga seotud kindlustus- ja kahjuajalugu<\/strong><\/li>
s\u00f5iduki kategooriat<\/strong><\/li>
s\u00f5iduki marki ja mudelit<\/strong><\/li>
s\u00f5iduki mootori v\u00f5imsust, registrimassi, istekohtade arvu<\/strong><\/li>
s\u00f5iduki kasutamise peamist piirkonda<\/strong><\/li>
s\u00f5iduki kasutusala<\/strong>
Tavalisest erinev kindlustusmakse v\u00f5ib olla n\u00e4iteks taksol, l\u00fchirendis\u00f5idukil, \u00f5ppes\u00f5idukil v\u00f5i alarms\u00f5idukil.<\/strong><\/li><\/ul><\/li>
teeninduskanalit, mille kaudu kindlustusleping s\u00f5lmitakse<\/strong><\/li><\/ul>"},"subContentId":"8dec326a-bfda-45d2-88b2-29680276d917","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.0797873312261341283146975911222398281097412109375,"width":90.947347651631588405507500283420085906982421875,"height":91.4460502195506705902516841888427734375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liikluses ei tohi kasutada kindlustuskohustusega s\u00f5idukit, millel ei ole kohustuslikku liikluskindlustust v\u00f5i automaatset liikluskindlustust. <\/strong><\/p>
Automaatne liikluskindlustus rakendub, kui <\/strong><\/p>
s\u00f5iduk registreeritakse liiklusregistris aga ei s\u00f5lmita kindlustuslepingut<\/strong><\/li>
viimasest s\u00f5lmitud lepingu l\u00f5ppemisest on m\u00f6\u00f6dunud rohkem kui 12 kuud ja uut lepingut ei s\u00f5lmita<\/strong><\/li>
s\u00f5iduki ajutine registrist kustutamine l\u00f5petatakse v\u00f5i registrikande peatumine l\u00f5peb<\/strong><\/li>
s\u00f5iduki kindlustuskohustusega isik muutub ja ei s\u00f5lmita uut lepingut<\/strong><\/li><\/ul>
Automaatne liikluskindlustus l\u00f5peb, kui:<\/strong><\/span><\/p>
s\u00f5idukile s\u00f5lmitakse leping;<\/strong><\/span><\/li>
s\u00f5iduk kustutatakse liiklusregistrist v\u00f5i s\u00f5iduk loetakse registreerimata s\u00f5idukiks<\/strong><\/span><\/li><\/ul>"},"subContentId":"f86c45ba-49ab-4b06-a017-0843ca316aae","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.0797873312261341283146975911222398281097412109375,"width":89.40586718295986656812601722776889801025390625,"height":91.4460502195506705902516841888427734375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustusmakse on automaatkindlustusel oluliselt suurem.<\/strong><\/p>
Kindlustusjuhtumi tekkimisel rakendatakse omavastutust 640 eurot \u00fche kindlustusjuhtumi kohta. <\/strong><\/p>
Automaatse liikluskindlustuse eesm\u00e4rgiks on v\u00e4hendada lepinguta s\u00f5idukite osakaalu liikluses, koguda rahalisi vahendeid lepinguta s\u00f5idukitega ja automaatse kindlustuskaitsega s\u00f5idukitega tekitatud kahjude h\u00fcvitamiseks.<\/strong><\/p>
Kui sa s\u00f5idukit (v\u00e4ljaarvatud v\u00f5istlusauto ja vanas\u00f5iduk) ei planeeri kasutada rohkem kui 12 kuud, kustuta s\u00f5iduk ajutiselt liiklusregistrist. V\u00f5id ka s\u00f5lmida liikluskindlustuse lepingu. <\/strong><\/p>
LEPINGUT MITTEOMAVA S\u00d5IDUKIGA LIIKLUSES OSALEDA EI TOHI.<\/strong><\/p>"},"subContentId":"f86c45ba-49ab-4b06-a017-0843ca316aae","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":4.624441406015165512144449166953563690185546875,"y":12.173429801643127490251572453416883945465087890625,"width":47.84200441788302526902043609879910945892333984375,"height":76.2032655497292950030896463431417942047119140625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustusjuhtum<\/strong><\/h2>
Kindlustusjuhtum on kolmandale isikule kindlustuskohustusega h\u00f5lmatud so\u0303idukiga kahju tekitamine s\u00f5iduki transpordivahendina kasutamise k\u00e4igus. <\/strong><\/p>
<\/p>
NB! Liikluskindlustuse seadust kohaldatakse s\u00f5iduki mis tahes kasutamisele transpordivahendina, s\u00f5ltumata maastikust, millel s\u00f5idukit kasutatakse, ja sellest, kas s\u00f5iduk seisab v\u00f5i liigub.<\/strong><\/p>
<\/p>"},"subContentId":"470ff3c6-2938-41ea-96db-7d8440928497","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":54.0123456790123412929460755549371242523193359375,"y":12.183863897551265864649394643492996692657470703125,"width":45.98765432098765160162656684406101703643798828125,"height":51.10731084265363932672698865644633769989013671875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a371cbdfc19.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":663,"height":373}},"subContentId":"c47a8405-8f9d-4f7b-82dd-110765259ec0","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.08296093734344367476296611130237579345703125,"y":6.090171072905437910094406106509268283843994140625,"width":94.030308588975032080270466394722461700439453125,"height":48.721368583243503280755248852074146270751953125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liikluskindlustuse seadust ei kohaldata, kui juhtumi toimumise ajal kasutati s\u00f5idukit muul otstarbel kui transpordivahendina, muu hulgas:<\/span><\/h3>
terrorikuriteo toimepanemise vahendina;<\/strong><\/span><\/li>
spordivahendina v\u00f5istlusel, treeningul, koolitusel v\u00f5i muul samalaadsel \u00fcritusel, kui tee v\u00f5i ala, millel s\u00f5idukit kasutatakse, on jalak\u00e4ijatele, pealtvaatajatele ja teistele s\u00f5idukitele suletud<\/strong><\/span><\/li>
t\u00f6\u00f6seadmena ja realiseerus t\u00f6\u00f6seadmena kasutamisele iseloomulik risk<\/strong><\/span><\/li><\/ul>"},"subContentId":"d60a9ea9-e997-422d-84c6-fb54cb1a5000","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":4.624441406015165512144449166953563690185546875,"y":57.8566251926016548168263398110866546630859375,"width":27.000118125516795686280602240003645420074462890625,"height":40,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b4633f951ef.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1920,"height":1440}},"subContentId":"f9660475-137e-492c-a37a-e9b3e197641a","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":35.454050779449602259774110279977321624755859375,"y":57.8566251926016548168263398110866546630859375,"width":30.37513289120639825569014647044241428375244140625,"height":40,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b4659671fa1.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":2250,"height":1500}},"subContentId":"2b2d0bab-e2e2-400a-a76c-ee92d116295f","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":69.366621090227482682166737504303455352783203125,"y":57.8566251926016548168263398110866546630859375,"width":27.00762650096883277228698716498911380767822265625,"height":40,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b465a564754.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1199,"height":899}},"subContentId":"eb6db144-ecca-4435-963b-07441f0492e9","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":87.864386714288144730744534172117710113525390625,"y":48.721368583243503280755248852074146270751953125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
N\u00e4iteks ei ole tegu liikluskindlustuse juhtumiga, kui:<\/p>
autokraana on t\u00f6\u00f6asendis (rattad maast lahti ja kraana seisab tugedel) ja kraanaga t\u00f5stetav paneel tuleb kinnitusest lahti ning kukub m\u00f6\u00f6das\u00f5itvale autole<\/li>
seisva s\u00f5iduki najale on toetatud redel, mis samasse s\u00f5idukisse kauba laadimise t\u00f5ttu kukub k\u00f5rvalolevale autole<\/li><\/ul>"},"subContentId":"0b6399c2-e35f-4931-a516-ea8ac500c811","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":3.041626319283308621521655368269421160221099853515625,"width":91.0472355860015198913970380090177059173583984375,"height":39.9944579443236563065511290915310382843017578125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liiklus\u00f5nnetus jalgratturi v\u00f5i jalak\u00e4ijaga - kahju p\u00f5hjustaja kindlustatud isik<\/strong><\/h2>
Jalgratturile h\u00fcvitatakse isiku- ja varakahju auto kindlustuse poolt. <\/strong><\/p>
Auto varakahju liikluskindlustuse poolt ei h\u00fcvitata. Autojuhi isikukahju h\u00fcvitatakse auto kindlustuse poolt.<\/strong><\/p>"},"subContentId":"b9c176bb-28d0-43cc-a0b8-1e6eb63bdbf3","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":23.122207030075824008008567034266889095306396484375,"y":39.5750281279063216288705007173120975494384765625,"width":53.05852847191499677137471735477447509765625,"height":60.42759091102869462019953061826527118682861328125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a372be01bbd.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1084,"height":625}},"subContentId":"afeee695-8301-403c-a19a-17a77eb8ba7b","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.086419753086419692778008538880385458469390869140625,"y":3.038817608452446972222560361842624843120574951171875,"width":95.679012345679012696564313955605030059814453125,"height":40.0000609668736473167882650159299373626708984375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liiklus\u00f5nnetus jalgratturi v\u00f5i jalak\u00e4ijaga - kahju p\u00f5hjustaja kindlustamata isik<\/strong><\/h2>
Jalgratturile h\u00fcvitatakse isikukahju auto kindlustuse poolt. <\/strong><\/p>
Autojuhi isikukahju h\u00fcvitatakse auto kindlustuse poolt. Auto varakahju peab h\u00fcvitama jalgrattur v\u00f5i jalak\u00e4ija. <\/strong><\/p>"},"subContentId":"7bb722a9-d08b-462d-8f74-98fefc1ff849","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":23.122207030075824008008567034266889095306396484375,"y":39.46746978826289620201350771822035312652587890625,"width":51.71312431885831983890966512262821197509765625,"height":60.53477792191181805492306011728942394256591796875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a372e580015.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":675,"height":400}},"subContentId":"1017297b-0a9a-4d99-b5ed-be0aa222e357","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.5413070283600494025932903241482563316822052001953125,"y":0,"width":98.456790123456784158406662754714488983154296875,"height":40.0000609668736473167882650159299373626708984375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustussumma<\/strong><\/h2>
Kui lepingus ei ole kokku lepitud suuremas kindlustussummas, on kindlustussumma \u00fche kindlustusjuhtumi kohta, olenemata kahjustatud isikute arvust, asja h\u00e4vimise v\u00f5i kahjustamise korral 1 300 000 eurot ja surma p\u00f5hjustamise, tervise kahjustamise v\u00f5i kehavigastuse tekitamise korral 6 450 000 eurot.<\/strong><\/p>"},"subContentId":"f6baa83e-4c03-4600-9b00-31520f3b3fa4","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":20.039246092732383885959279723465442657470703125,"y":29.8418382572366454041912220418453216552734375,"width":56.6022172070248501540845609270036220550537109375,"height":70.1119046965831103079835884273052215576171875,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b46c49655e0.png","mime":"image\/png","copyright":{"license":"U"},"width":960,"height":602}},"subContentId":"ba2ce707-147b-4708-914d-0afc15b3ee8a","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.085553131682150951320409149047918617725372314453125,"y":91.4246706426240081100331735797226428985595703125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Edaspidi suurendatakse kindlustussummasid iga viie aasta tagant vastavalt tarbijahinnaindeksi muutusele. <\/p>
Kui kahjusumma l\u00e4heb \u00fcle m\u00e4\u00e4ratud maksimum summa, siis m\u00e4\u00e4ratud summast \u00fcle minev kahju n\u00f5utakse s\u00fc\u00fcdlaselt otse v\u00e4lja
<\/p>"},"subContentId":"50a30bfb-dbdc-4dd7-b928-efe8c1bcd99d","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":4.624441406015165512144449166953563690185546875,"y":3.024324143265184172690851482911966741085052490234375,"width":92.4888281203033102428889833390712738037109375,"height":96.972271451105058304165140725672245025634765625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Isiku- ja varakahju<\/h2>
Isikukahju on:<\/strong><\/p>
Ravikulu<\/strong><\/li>
Vajaduste suurenemine<\/strong><\/li>
Sissetuleku v\u00e4henemine<\/strong><\/li>
Mittevaralise kahju<\/strong><\/li>
\u00dclalpidaja kaotus<\/strong><\/li>
Hukkunu matusekulu<\/strong><\/li>
\u00d5igusabikulu<\/strong><\/li><\/ul>
Isikukahju h\u00fcvitamise p\u00f5him\u00f5tteks on, et kahju saaja ehk kannatanu sissetulek ei v\u00e4heneks liiklus\u00f5nnetuse tagaj\u00e4rjel.<\/strong><\/p>
Sissetuleku arvestamise aluseks on kahju saaja sotsiaalmaksuga maksustatud tulu.<\/strong><\/p>"},"subContentId":"77ce5b82-9395-4003-a462-e3e41e768384","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":43.16145312280820434125416795723140239715576171875,"y":3.041626319283308621521655368269421160221099853515625,"width":53.951816403510264308351906947791576385498046875,"height":76.1271384113179720998232369311153888702392578125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Varakahju on:<\/strong><\/p>
asja kahjustumise v\u00f5i h\u00e4vimise kahju<\/strong><\/li>
kahjustada saanud hoone, piirdeaia, liiklusm\u00e4rgi vms asja taastamise v\u00f5i asendamise kulu<\/strong><\/li>
kulu kahju \u00e4rahoidmiseks v\u00f5i kahju v\u00e4hendamiseks<\/strong><\/li>
kulu h\u00fcvitise saamiseks v\u00f5i kahju kindlakstegemiseks, kui vastavat kulu kandmata ei oleks olnud v\u00f5imalik h\u00fcvitist saada<\/strong><\/li><\/ul>
Varakahju h\u00fcvitamise p\u00f5him\u00f5te on asja \u00f5nnetuse eelse seisukorra taastamine v\u00f5i \u00f5nnetuse eelse asja v\u00e4\u00e4rtuse h\u00fcvitamine<\/strong><\/p>"},"subContentId":"7f36cec6-dbeb-4771-a82c-b9e82e115686","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":90,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":22.8381415233953930510324425995349884033203125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
N\u00e4iteks h\u00fcvitatakse<\/p>
taastusravi kulu<\/li>
apteegist ostetavate ravimite kulu<\/li>
visiidi- v\u00f5i voodip\u00e4evatasu<\/li>
hooldusravi kulu, sh n\u00e4iteks hooldushaigla arve<\/li>
kannatanu transpordikulu raviasutusse ja tagasi<\/li><\/ul>
Liiklus\u00f5nnetusest tingitud ravi vajadus v\u00f5ib kesta aastaid. N\u00e4iteks v\u00f5ib teatud ravimeid v\u00f5i taastusravi olla vaja elu l\u00f5puni. Kindlustusandja kahju h\u00fcvitamise kohustus ei l\u00f5ppe \u00fcksnes seet\u00f5ttu, et \u00f5nnetusest on hulk aega m\u00f6\u00f6das. Kindlustusandja h\u00fcvitab kahju <\/span>kindlustussumma ulatuses.<\/span><\/p>"},"subContentId":"736f8b5a-179e-455a-a79e-1b3efa828138","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":39.58611197388534463925680029205977916717529296875,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui kannatanu sissetulek v\u00e4heneb liiklus\u00f5nnetuses saadud vigastuse t\u00f5ttu, siis h\u00fcvitab kindlustusandja saamata j\u00e4\u00e4nud tulu. H\u00fcvitatakse kannatanu sotsiaalmaksuga maksustatava tulu v\u00e4henemine.<\/p>
Kui t\u00f6\u00f6v\u00f5imetus on ajutine, siis makstakse ajutise t\u00f6\u00f6v\u00f5imetuse h\u00fcvitist. Selle maksmise aluseks on tavaliselt t\u00f6\u00f6v\u00f5imetusleht. Kui ajutine t\u00f6\u00f6v\u00f5imetus kestab pikalt, n\u00e4iteks kuid, siis saab h\u00fcvitist n\u00f5uda ka enne t\u00f6\u00f6v\u00f5imetuslehe l\u00f5ppemist.<\/p>
Kui t\u00f6\u00f6v\u00f5imetus on pikaajaline, siis makstakse pikaajalise t\u00f6\u00f6v\u00f5imetuse (nimetatakse ka p\u00fcsiva t\u00f6\u00f6v\u00f5imetuse) h\u00fcvitist. P\u00fcsiva t\u00f6\u00f6v\u00f5imetuse h\u00fcvitise maksmise eelduseks on tavaliselt T\u00f6\u00f6tukassa hinnang inimese t\u00f6\u00f6v\u00f5imele.<\/p>
Kui kannatanu enne \u00f5nnetust tulu ei saanud, siis h\u00fcvitatakse edasiste majanduslike v\u00f5imaluste halvenemisest tekkinud kahju.<\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"71cb41d5-d91a-4c43-b8d0-9c7eabf3c25c"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":31.3643810254630039935364038683474063873291015625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui vigastused toovad kaasa erivajadused, h\u00fcvitab kindlustusselts nendega seotud kulud \u2013 vajaduste suurenemise l\u00e4bi tekkinud kahju.<\/p>
Sellisteks kulutusteks on n\u00e4iteks kulu<\/p>
meditsiinilistele abivahenditele (prillid, proteesid, ratastool, lisaseadmed vannitoas v\u00f5i treppidel liikumiseks jms)<\/li>
p\u00f5etajale<\/li>
kodu \u00fcmberehitamiseks, kui see on vajalik liiklus\u00f5nnetuses saadud vigastuse t\u00f5ttu<\/li>
liikumispuudest tingitud eritranspordile<\/li><\/ul>
Vajaduste suurenemise t\u00f5ttu tekkinud kahju alla v\u00f5ib liigitada l\u00f5putult erinevaid kulusid. Nende kulude h\u00fcvitamise hindamisel tuleb kindlasti hinnata nende vajalikkust ja m\u00f5istlikkust.<\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"67adedd5-c49b-4b8b-a5f7-c40da2bf676c"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":48.11235147595295558176076156087219715118408203125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Lisaks varalisele kahjule \u2013 saamataj\u00e4\u00e4nud tulu v\u00f5i \u00f5nnetusest tingitud t\u00e4iendavad kulud \u2013 saab n\u00f5uda ka mittevaralise kahju h\u00fcvitist. See on h\u00fcvitis \u00f5nnetusest tingitud f\u00fc\u00fcsilise ja hingelise valu ning kannatuste eest.<\/p>
Valu ja kannatusi ei saa m\u00f5\u00f5ta rahas. Siiski on h\u00fcvitis selle eest ette n\u00e4htud. Tervise kahjustamisest v\u00f5i kehavigastuse tekitamisest tuleneva mittevaralise kahju h\u00fcvitise summa s\u00f5ltub eelk\u00f5ige kahjustuste ja vigastuste ulatusest. V\u00e4iksema vigastuse puhul v\u00f5ib see olla m\u00f5nisada eurot. \u00dclimalt raskete vigastuste puhul v\u00f5ib see k\u00fc\u00fcndida k\u00fcmnetesse tuhandetesse eurodesse. H\u00fcvitise suuruse m\u00e4\u00e4ramise aluseks on liikluskindlustuse seadus ja kohtupraktika.<\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"789061d5-703b-4c7d-885e-5d98f3b48355"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":56.3340824243752962274811579845845699310302734375,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui liiklus\u00f5nnetuses saadud vigastuste t\u00f5ttu hukkunu, pidas \u00fcleval oma last v\u00f5i teisi l\u00e4hedasi, siis saab traagilise \u00f5nnetuse p\u00f5hjustaja kindlustusandjalt n\u00f5uda \u00fclalpidamish\u00fcvitise maksmist.<\/span><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"7908faf9-9a60-4a89-87a4-b7d8daf49990"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":64.8603219264429071699851192533969879150390625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui inimene sureb liiklus\u00f5nnetuses saadud vigastustesse, siis h\u00fcvitab \u00f5nnetuse p\u00f5hjustaja kindlustusandja matusekulu.<\/span><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"0ab3f40a-6198-49fa-835b-0a6b22b86f1b"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""},{"x":3.8537011716793045934537076391279697418212890625,"y":72.77754432121997751892195083200931549072265625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui h\u00fcvitise saamiseks on vaja kasutada \u00f5igusabi ja vastavat kulu kandmata ei oleks olnud v\u00f5imalik h\u00fcvitist saada, siis tuleb kindlustusandjal vastav \u00f5igusabikulu ka h\u00fcvitada. Tavaliselt ei pea \u00f5igusabi kulu h\u00fcvitama siis, kui kannatanu oleks saanud h\u00fcvitise samas summas ka ilma \u00f5igusabikulu kandmata.<\/span><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"1955a9af-dc60-4c55-8184-9720649f87cc"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"small","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.086419753086419692778008538880385458469390869140625,"y":6.08717653263099567340077555854804813861846923828125,"width":95.679012345679012696564313955605030059814453125,"height":40.0000609668736473167882650159299373626708984375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kui sa olid kaass\u00f5itja autos, mille juht j\u00e4i s\u00fc\u00fcdi liiklus\u00f5nnetuse p\u00f5hjustamises, kas sul on \u00f5igus \u00f5nnetusest tulenevate kahjude sisse n\u00f5udmiseks? Kellelt ja milliseid kahjusid saaksid sisse n\u00f5uda?<\/h3>\n"},"subContentId":"068b0ed0-f69e-4f34-b7aa-052659984ec4","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":24.691358024691357542224068311043083667755126953125,"y":29.87376808810932260485060396604239940643310546875,"width":54.51867283950617348864398081786930561065673828125,"height":70.15488634250579025319893844425678253173828125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a373ddda3a3.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1704,"height":1110}},"subContentId":"9aba5e96-b6be-4dd1-a161-6799421981d7","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":0,"y":91.35256609358157220412977039813995361328125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kuna k\u00f5ik s\u00f5idukis olnud kaasreisijad on liiklus\u00f5nnetuses enamasti kannatanud ja vahel harva \u00f5nnetuse p\u00f5hjustajad, on sul \u00f5igus esitada kahjun\u00f5ue s\u00fc\u00fcdlasest autojuhi kindlustusandjale, nii esile kerkinud isiku- kui ka varakahjude osas.<\/span><\/p>"},"subContentId":"4cbdc77b-4b7e-44d1-82dc-537e1b78fc2b","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.08325872873768958015716634690761566162109375,"width":46.24441406015165512144449166953563690185546875,"height":91.349216499491461718207574449479579925537109375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
S\u00f5iduki taastamine<\/strong><\/h2>
S\u00f5iduk loetakse h\u00e4vinuks, kui selle remont ei ole v\u00f5imalik v\u00f5i remont ei ole majanduslikult otstarbekas.<\/strong><\/p>
Kahju t\u00e4ielikul h\u00fcvitamisel on kindlustusseltsil \u00f5igus h\u00e4vinenud asjale. <\/strong><\/p>
Kui s\u00f5iduk taastatakse, siis hindab kindlustusandja m\u00f5istlike remondikulude suuruse - tavaliselt remondiettev\u00f5tte kalkulatsiooni alusel<\/strong><\/p>
Kahju kannatanul on \u00f5igus valida talle sobiv autoremondiettev\u00f5te. <\/strong><\/span><\/p>
Kindlustusandja peab h\u00fcvitama m\u00f5istlikud kulud, mida on vaja kindlustusjuhtumi eelse olukorra taastamiseks.<\/strong><\/span><\/p>"},"subContentId":"a01cf6cb-a54b-4aeb-a1c2-cb0590c49966","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":49.49385488811163469335951958782970905303955078125,"y":15.221956284752035770679867709986865520477294921875,"width":49.86165212793671486224411637522280216217041015625,"height":64.0195738098283158024059957824647426605224609375,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a374707e690.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":500,"height":325}},"subContentId":"f1e34da8-86ee-49ce-9010-887973a2468f","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.541480468671721837381483055651187896728515625,"y":0,"width":57.0245067817509294627598137594759464263916015625,"height":99.9963464758715190328075550496578216552734375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustusjuhtumist teatamine<\/strong><\/h2>\n\n
Kahju p\u00f5hjustaja ja kahjustatud isik peavad kindlustusjuhtumist viivitamata teavitama kas kahju p\u00f5hjustaja kindlustusandjat v\u00f5i kahjustatud isiku kindlustusandjat. <\/strong><\/p>\n\n
Kahjustatud asja etten\u00e4itamine<\/strong><\/h2>\n\n
\n\t
Kahju p\u00f5hjustaja ja kahjustatud isik on kohustatud s\u00e4ilitama s\u00f5iduki v\u00f5i muu kindlustusjuhtumi toimumise tagaj\u00e4rjel kahjustatud asja v\u00f5imalikult kindlustusjuhtumij\u00e4rgses seisundis ja selle kindlustusandjale ette n\u00e4itama.<\/strong><\/li>\n\t
Kahjustatud asja ei pea s\u00e4ilitama kindlustusjuhtumij\u00e4rgses seisundis p\u00e4rast seda, kui kindlustusandja on selle \u00fcle vaadanud, ega kauem kui seitse kalendrip\u00e4eva p\u00e4rast kindlustusjuhtumi toimumisest teatamist. Kindlustusandja palvel tuleb s\u00e4ilitada vara kuni 15 p\u00e4eva.<\/strong><\/li>\n<\/ul>\n"},"subContentId":"4d733233-d940-4b1c-9c90-db5eda9f00fa","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":58.64197530864198171229872968979179859161376953125,"y":21.32889494493166893107627402059733867645263671875,"width":41.35802469135802539312862791121006011962890625,"height":61.31468966337140358291435404680669307708740234375,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a374c0ed340.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":457,"height":343}},"subContentId":"ba4fc465-2ebc-4071-8397-0fc3e51a0faa","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.082960937343443230673756261239759624004364013671875,"y":6.0797873312261341283146975911222398281097412109375,"width":92.4888281203033102428889833390712738037109375,"height":85.32816886826350355477188713848590850830078125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
N\u00f5ue kahju h\u00fcvitamiseks<\/strong><\/h2>\n\n
Kahju h\u00fcvitamiseks tuleb kindlustusandjale esitada kirjalik n\u00f5ue. Kui kahjustatud isik on kindlustusjuhtumist kirjalikku taasesitamist v\u00f5imaldavas vormis teatanud, loetakse, et ta on esitanud kahju h\u00fcvitamise n\u00f5ude.<\/strong><\/p>\n\n
N\u00f5udes esitatakse soov kahju h\u00fcvitamiseks ja soovitav kahju h\u00fcvitamise viis kas maksena rahas v\u00f5i vara taastamisena.
\nN\u00f5ude esitamise t\u00e4htaeg on 36 kuud alates liiklus\u00f5nnetuse toimumise p\u00e4evast. (L\u00e4htudes asja\u00f5iguse seadusest).<\/strong><\/p>\n\n
Kindlustusandja on kohustatud k\u00f5ik vajalikud toimingud tegema m\u00f5istliku aja jooksul, kuid k\u00f5ige hiljem 30. kalendrip\u00e4eval kindlustusjuhtumist teatamisest arvates.
\nKui juhtumi kohta toimub tsiviilkohtu-, kriminaal- v\u00f5i v\u00e4\u00e4rteomenetlus v\u00f5i kindlustuse vahekohtu menetlus ja sellel on otsuse tegemisel oluline t\u00e4htsus, pikeneb eelpoolm\u00e4rgitud t\u00e4htaeg nimetatud menetluse aja v\u00f5rra.<\/strong><\/p>\n"},"subContentId":"3c3ddf25-d7dc-4ef7-910d-2f70dbdc495b","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.5414804686717216153368781306198798120021820068359375,"y":6.08325872873768958015716634690761566162109375,"width":94.030308588975032080270466394722461700439453125,"height":88.400964683097953411561320535838603973388671875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Liikluskindlustuse seaduse alusel ei h\u00fcvitata:<\/strong><\/h2>
kindlustussummat \u00fcletavat kahju<\/strong><\/li>
keskkonnakvaliteedi halvenemisest tulenevat kahju, v\u00e4lja arvatud esmaste p\u00e4\u00e4stetoimingutega seotud m\u00f5istlikud kulutused esmase kahju likvideerimiseks ja kahju suurenemise \u00e4rahoidmiseks<\/strong><\/li>
saamata j\u00e4\u00e4nud tulu, v\u00e4lja arvatud surma p\u00f5hjustamise, tervise kahjustamise v\u00f5i kehavigastuse p\u00f5hjustamise t\u00f5ttu saamata j\u00e4\u00e4nud tulu liikluskindlustuse seaduses s\u00e4testatud ulatuses<\/strong><\/li>
iseendale tekitatud kahju<\/strong><\/li>
s\u00f5iduki valdaja juhitud s\u00f5iduki omanikule tekitatud asja kahju<\/strong><\/li>
kahju, mille \u00e4rahoidmine ei ole liiklusreeglite t\u00e4itmise eesm\u00e4rk.<\/strong>
N\u00e4iteks kahju, mis tuleneb sellest, et kahjustatud isikul j\u00e4\u00e4b kindlustusjuhtumi tagaj\u00e4rjel t\u00e4itmata leping, mis on s\u00f5lmitud isikuga, kes ei osalenud kindlustusjuhtumis<\/strong><\/li><\/ul><\/li><\/ul>"},"subContentId":"e6accb02-e223-4228-bd9f-8e7aeec7c66c","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.086419753086419692778008538880385458469390869140625,"y":6.08717653263099567340077555854804813861846923828125,"width":91.0493827160493793826390174217522144317626953125,"height":91.4503104738040519805508665740489959716796875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kindlustusandja otsused<\/strong><\/h2>\n\n
Kindlustusandja peab kahju h\u00fcvitama v\u00f5i teavitama kahjustatud isikut kahju h\u00fcvitamise t\u00e4ielikust v\u00f5i osalisest keeldumisest viivitamata p\u00e4rast k\u00e4sitlustoimingute l\u00f5petamist.<\/strong><\/p>\n\n
Osaliste poolt m\u00e4\u00e4ratud s\u00fc\u00fclisus v\u00f5i politsei otsus ei ole kindlustusseltsile kohustuslik.<\/strong><\/p>\n\n
Kui otsuse saaja ei n\u00f5ustu sellega, saab ta kindlustuse otsust vaidlustada kindlustuse vaidluskomisjonis v\u00f5i kohtus.<\/strong><\/p>\n\n
Tuvastamata j\u00e4\u00e4nud s\u00f5idukiga p\u00f5hjustatud kahju h\u00fcvitab seaduses s\u00e4testatud piiranguid arvestades fond. Kindlustusjuhtum loetakse p\u00f5hjendatuks tuvastamata j\u00e4\u00e4nud s\u00f5idukiga, kui kindlustusjuhtumi t\u00f5ttu tekitatud kahju iseloomu arvestades v\u00f5ib eeldada, et kindlustusjuhtum p\u00f5hjustati s\u00f5idukiga ja selle s\u00f5iduki kindlustusandjat ei ole v\u00f5imalik v\u00e4lja selgitada.<\/strong><\/p>\n\n
Fond ei h\u00fcvita tuvastamata j\u00e4\u00e4nud s\u00f5idukiga p\u00f5hjustatud kahju, mis seisneb s\u00f5iduki h\u00e4vimises v\u00f5i kahjustumises, v\u00e4lja arvatud juhul, kui sama kindlustusjuhtumi tagaj\u00e4rjel tekitati \u00fchele v\u00f5i mitmele isikule v\u00e4hemalt raske kehavigastus v\u00f5i raske tervisekahjustus v\u00f5i p\u00f5hjustati isiku surm.<\/strong><\/p>\n"},"subContentId":"b31c3eb1-1c49-4d48-90cb-f21714934540","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.086419753086419692778008538880385458469390869140625,"y":6.08717653263099567340077555854804813861846923828125,"width":78.703703703703695282456465065479278564453125,"height":91.4503104738040519805508665740489959716796875,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Tagasin\u00f5ue ehk regress<\/h2>\n\n
Tagasin\u00f5ude saab esitada s\u00f5idukijuhi vastu, kui s\u00f5idukijuht:<\/strong><\/p>\n\n
\n\t
p\u00f5hjustas kindlustusjuhtumi tahtlikult;<\/strong><\/li>\n\t
p\u00f5hjustas kindlustusjuhtumi ning lahkus p\u00e4rast kindlustusjuhtumit \u00f5igusvastaselt kindlustusjuhtumi toimumise kohalt;<\/strong><\/li>\n\t
juhtis s\u00f5idukit, mille valdamine oli ebaseaduslik;<\/strong><\/li>\n\t
juhtis s\u00f5idukit joobeseisundis<\/strong><\/li>\n\t
\u00fcletas lubatud s\u00f5idukiirust 41 kilomeetrit tunnis v\u00f5i rohkem;<\/strong><\/li>\n\t
eiras tahtlikult liiklusj\u00e4relevalve teostaja peatamise m\u00e4rguannet;<\/strong><\/li>\n\t
juhtis s\u00f5idukit liiklusseaduses nimetatud mootors\u00f5iduki juhtimise keeldu eirates;<\/strong><\/li>\n\t
oli k\u00f5rvaldatud s\u00f5iduki juhtimiselt vastavalt liiklusseadusele.<\/strong><\/li>\n<\/ul>\n"},"subContentId":"2fb7dd41-2a78-42c6-9252-244cdeed39d4","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":7.707402343358609186907415278255939483642578125,"y":3.0450855364527189550472030532546341419219970703125,"width":86.322906245616422893363051116466522216796875,"height":95.909841107436704987776465713977813720703125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67b4b0adc1059.png","mime":"image\/png","copyright":{"license":"U"},"width":656,"height":369,"originalImage":{"path":"images\/file-67b4b08958a87.png#tmp","mime":"image\/png","height":360,"width":763}}},"subContentId":"bc3bb65d-96ef-4374-88ac-58d2f37d96f2","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.5413070283600494025932903241482563316822052001953125,"y":3.0446034404018877950193200376816093921661376953125,"width":97.100339087546245764315244741737842559814453125,"height":82.299284518191512916018837131559848785400390625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Piirikindlustus<\/strong><\/h3>\n\n
on liikluskindlustus, millega on kindlustatud v\u00e4lisriigis, v\u00e4lja arvatud Euroopa Majanduspiirkonna lepinguriigis ja \u0160veitsis, p\u00f5hiasukohta omava s\u00f5idukiga seotud vastutus. Piirikindlustuse kindlustusandja on Eesti Liikluskindlustuse Fond (LKF).<\/strong><\/p>\n\n
Piirikindlustuse kindlustuskaitse, kindlustussumma, kehtivusala jms tingimused on samad, mis tavalise liikluskindlustuse puhul.<\/strong><\/p>\n"},"subContentId":"fa98ced4-0763-4712-9603-85468bf67a98","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":33.90875462392109085385527578182518482208251953125,"y":38.97092403714416519733276800252497196197509765625,"width":49.51774691358024682585892151109874248504638671875,"height":60.96687364920270368884303024969995021820068359375,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a3767f770f8.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":284,"height":177}},"subContentId":"cd730a6f-5576-4e7c-9626-df2dc57c275f","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.08296093734344367476296611130237579345703125,"y":6.090171072905437910094406106509268283843994140625,"width":84.877768306236674789033713750541210174560546875,"height":88.39396098636410670223995111882686614990234375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kaskokindlustus<\/h2>
Kaskokindlustuse lepingu s\u00f5lmimine on vabatahtlik.<\/strong><\/p>
Kaskokindlustuse puhul h\u00fcvitatakse kahjud, mis on vastava lepingu tingimustega ette n\u00e4htud. <\/strong><\/p>
Kindlustusandja selgitab v\u00e4lja kliendi kindlustushuvi ja n\u00f5udmised lepingule ning tutvustab talle lepingu tingimusi, et klient saaks teha teadliku otsuse, selgitades muu hulgas:<\/strong><\/p>
mis on ja mis ei ole kindlustatud<\/strong><\/li>
milliste s\u00fcndmuste puhul kahju h\u00fcvitatakse ja milliste puhul mitte<\/strong><\/li>
millises ulatuses kahju h\u00fcvitatakse<\/strong><\/li>
millised on kliendi kohustused, et kindlustuskaitse oleks kehtiv<\/strong><\/li><\/ul>"},"subContentId":"74e87588-c00e-488e-84b3-2269a8a05ed1","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.541480468671721837381483055651187896728515625,"y":3.0450855364527189550472030532546341419219970703125,"width":55.55555555555555002911205519922077655792236328125,"height":94.489204290848562095561646856367588043212890625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Eesti turul on tavaks, et kliendi n\u00f5udmiste ja vajaduste v\u00e4ljaselgitamiseks toob kindlustusandja v\u00e4lja kindlustuspaketid ja valikud. Kindlustusv\u00f5tja v\u00e4ljendab oma n\u00f5udmisi ja vajadusi tehes peale pakettide ja valikute sisuga tutvumist oma valiku.<\/strong><\/span><\/p>
Kindlustusandja n\u00f5udmisel tuleb kliendil esitada fotod s\u00f5idukist v\u00f5i tuleb s\u00f5iduk kindlustusandjale \u00fclevaatamiseks ette n\u00e4idata. Fotode v\u00f5i s\u00f5iduki \u00fclevaatuse eesm\u00e4rk on \u00fcksnes fikseerida s\u00f5iduki seisund ja komplektsus fotode v\u00f5i \u00fclevaatuse tegemise ajal. S\u00f5iduki \u00fclevaatusel ei anna kindlustusandja hinnangut s\u00f5iduki v\u00e4\u00e4rtusele kindlustuslepingu s\u00f5lmimisel.<\/strong><\/span><\/p>
Tavaliselt s\u00e4testatakse lepingus omavastutus. See on osa kahjust, mille kannab kahju saaja. Selleks on lepinguga m\u00e4\u00e4ratud kindel summa v\u00f5i ka teatud protsent kahju suurusest. <\/strong><\/p>"},"subContentId":"2f85476a-8363-4bc9-ab9a-5762b9281681","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":61.4197530864197460687137208878993988037109375,"y":54.87018628428243260941599146462976932525634765625,"width":38.512438430568437297552009113132953643798828125,"height":40,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a37788cb891.png","mime":"image\/png","copyright":{"license":"U"},"width":310,"height":163}},"subContentId":"e28a3a39-f8a4-4bfc-b0d5-e47f5a2665a8","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":61.7283950617283920792033313773572444915771484375,"y":4.23433227555807434328016825020313262939453125,"width":37.22037037037036810716017498634755611419677734375,"height":47.9495316219931879686555475927889347076416015625,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a377991fd1f.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":460,"height":300}},"subContentId":"0521868e-9330-433b-b918-e6c816d79073","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.5413070283600494025932903241482563316822052001953125,"y":6.089206880803775590038640075363218784332275390625,"width":92.592592592592581013377639465034008026123046875,"height":40.0000609668736473167882650159299373626708984375,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Kuidas tegutseda kaskojuhtumi korral?<\/h3>\n\n
<\/h3>\n"},"subContentId":"58dc6e81-2403-4dd6-a0d7-31c9bc96000f","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":26.202219482120842286576589685864746570587158203125,"y":20.7565839549398702956750639714300632476806640625,"width":53.3523427866831099208866362459957599639892578125,"height":79.21692799512862848132499493658542633056640625,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-60a3780c8393c.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":549,"height":412}},"subContentId":"0dd1ea33-d69d-4312-b413-239aac8a0433","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":9.24888281203033102428889833390712738037109375,"y":88.3074805571288408145846915431320667266845703125,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
K\u00e4ituda tuleb samamoodi nagu liikluskindlustuse juhtumi korral ehk tuleb m\u00f5istlikult k\u00e4ituda, sh tuleb:<\/span><\/p>
tegutseda lisaohtu tekitamata<\/span><\/li>
teha k\u00f5ik v\u00f5imalik kahju suurenemise v\u00e4ltimiseks ja kahju v\u00e4hendamiseks<\/span><\/li>
teavitada juhtunust telefonil 112, kui see kohustus tuleb seadusest v\u00f5i kui vastava asutuse (h\u00e4irekeskus, politsei, riigiinfo telefon 1247) teavitamine v\u00f5ib aidata kindlustusjuhtumit asjaolude selgitamisele<\/span><\/li>
Kindlustusandjat tuleb juhtunust viivitamata teavitada, st nii kiiresti kui see asjaolude kohaselt m\u00f5istlikult on v\u00f5imalik. <\/span><\/li>
Edasi tuleb k\u00e4ituda vastavalt kindlustusandja juhistele.<\/span><\/li><\/ul>"},"subContentId":"5cb6d29c-fd55-47ce-800e-5676cb31973f","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.547193090684762406539221046841703355312347412109375,"y":7.616146230007615258728037588298320770263671875,"width":88.13335386510624402944813482463359832763671875,"height":39.996344249809595794431515969336032867431640625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Milliste kahjujuhtumitega tasub mul kaskokindlustuse poole p\u00f6\u00f6rduda?<\/h2>\n"},"subContentId":"5d6ac23d-d96b-49c6-9d1f-b2cfdb6e50a0","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":32.4915306436710835669146035797894001007080078125,"y":20.41127189642040917760823504067957401275634765625,"width":57.11810902371420439749272190965712070465087890625,"height":75.3352627570449300264954217709600925445556640625,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-619b59916b93e.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1254,"height":836}},"subContentId":"0557d6e2-01c9-4e61-a13d-56ddb00c38ee","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":10.790363280702052861670381389558315277099609375,"y":82.2173094842234064572039642371237277984619140625,"width":40,"height":40,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
K\u00f5igi nende juhtumite puhul, kui liikluskindlustus tekkinud kahjusid ei h\u00fcvita. See t\u00e4hendab, et sa ei ole liiklus\u00f5nnetuses kannataja pooleks. <\/strong><\/p>
Lisaks liiklus\u00f5nnetusele, vastavalt lepingule ka:<\/strong><\/p>
Loodus\u00f5nnetus<\/strong><\/li>
Tulekahju<\/strong><\/li>
Vandalism<\/strong><\/li>
Vargus ja r\u00f6\u00f6vimine<\/strong><\/li>
Muu \u00e4kiline ja etten\u00e4gematu s\u00f5idukiv\u00e4line s\u00fcndmus<\/strong><\/li><\/ul>
Olles liiklus\u00f5nnetuses kannatanu, h\u00fcvitab s\u00fc\u00fcdlase kindlustusandja mulle tekitatud kahjud.<\/strong><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"02d8b6bf-b968-43d2-84ad-b66ee29b73c5"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":true,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":3.695719125346473621362974881776608526706695556640625,"y":7.00685453160700699726248785736970603466033935546875,"width":72.118417000307971420625108294188976287841796875,"height":39.996344249809595794431515969336032867431640625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Millistel juhtudel kahju ei h\u00fcvitata?<\/h2>\n"},"subContentId":"265c7b40-8671-41eb-a0eb-99859a756777","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":23.0230982445334149133486789651215076446533203125,"y":20.86062452399085742626994033344089984893798828125,"width":59.429935324915305727699887938797473907470703125,"height":78.38172124904798465649946592748165130615234375,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-619b5a6e5d722.jpeg","mime":"image\/jpeg","copyright":{"license":"U"},"width":846,"height":564}},"subContentId":"1fd63cc2-7fd7-49ed-9f59-dd75a34fef1e","metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":1.541480468671721837381483055651187896728515625,"y":4.87213685832435050571120882523246109485626220703125,"width":95.986757006467513519964995793998241424560546875,"height":95.1296268088347147795502678491175174713134765625,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Vastus:<\/strong><\/h3>\n\n
Soovitame hoolega tutvuda lepingu tingimustega ja k\u00fcsida lisainfot kaskokindlustuse kindlustusandjalt.<\/strong><\/p>\n\n
\u00dcldjuhul v\u00f5ib arvestada j\u00e4rgmiste juhtudega:<\/strong><\/p>\n\n
\n\t
kahju suurus on alla omavastutuse;<\/strong><\/li>\n\t
kindlustusmakse on maksmata;<\/strong><\/li>\n\t
juhil puudus s\u00f5iduki juhtimise \u00f5igus;<\/strong><\/li>\n\t
kahju on tekitatud tahtlikult;<\/strong><\/li>\n\t
kahju p\u00f5hjustati hoolimatusest v\u00f5i ettevaatamatusest;<\/strong><\/li>\n\t
juht lahkub s\u00fcndmuskohalt;<\/strong><\/li>\n\t
s\u00f5iduki juht oli joobes;<\/strong><\/li>\n\t
s\u00f5iduki varguse korral ei esitata k\u00f5iki v\u00f5tmeid, signalisatsioonipulte ja s\u00f5iduki registreerimistunnistust.<\/strong><\/li>\n<\/ul>\n"},"subContentId":"9a5b7a10-047d-4599-b86d-5b1ed28659ce","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"}},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}},{"elements":[{"x":4.624441406015165512144449166953563690185546875,"y":6.090171072905437910094406106509268283843994140625,"width":87.864386714288144730744534172117710113525390625,"height":79.1688743536805787925914046354591846466064453125,"action":{"library":"H5P.AdvancedText 1.1","params":{"text":"
Tule s\u00f5itma!<\/span><\/h2>
S\u00f5iduoskus tuleb kogemustega! Iga s\u00f5idutund annab juurde enesekindlust ja teadmisi liikluses.<\/span><\/p>
Broneeri julgelt endale s\u00f5idutunnid!<\/strong><\/span><\/p>
Meie toredad \u00f5petajad ootavad sind!<\/span><\/p>"},"metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"e54d0eec-28f0-4d2f-8991-9c84fad9cf40"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""},{"x":55.60485024448865232216121512465178966522216796875,"y":54.81153965614893053270861855708062648773193359375,"width":44.39633312626113337273636716417968273162841796875,"height":45.16775376220318349851368111558258533477783203125,"action":{"library":"H5P.Image 1.1","params":{"contentName":"Pilt","file":{"path":"images\/file-67d839f86f058.jpg","mime":"image\/jpeg","copyright":{"license":"U"},"width":1724,"height":888}},"metadata":{"contentType":"Image","license":"U","title":"Ilma pealkirjata Image"},"subContentId":"d8276579-5d7b-49f5-8648-dbe94efafb31"},"alwaysDisplayComments":false,"backgroundOpacity":0,"displayAsButton":false,"buttonSize":"big","goToSlideType":"specified","invisible":false,"solution":""}],"slideBackgroundSelector":{}}],"keywordListEnabled":true,"globalBackgroundSelector":{"imageGlobalBackground":{"path":"images\/imageGlobalBackground-65a13a7a09562.png","mime":"image\/png","copyright":{"license":"U"},"width":2019,"height":1048}},"keywordListAlwaysShow":false,"keywordListAutoHide":false,"keywordListOpacity":90},"override":{"activeSurface":false,"hideSummarySlide":false,"summarySlideSolutionButton":true,"summarySlideRetryButton":true,"enablePrintButton":false,"social":{"showFacebookShare":false,"facebookShare":{"url":"@currentpageurl","quote":"Minu @currentpageurl \u00fclesande tulemus oli @score maksimaalsest @maxScore punktist!"},"showTwitterShare":false,"twitterShare":{"statement":"Minu @currentpageurl \u00fclesande tulemus oli @score maksimaalsest @maxScore punktist!","url":"@currentpageurl","hashtags":"h5p, e-ope"},"showGoogleShare":false,"googleShareUrl":"@currentpageurl"}},"l10n":{"slide":"Lehek\u00fclg","score":"Punktisumma","yourScore":"Sinu punktisumma","maxScore":"Suurim v\u00f5imalik punktisumma","total":"Kokku","totalScore":"Punktisumma kokku","showSolutions":"N\u00e4ita lahendusi","retry":"Proovi uuesti","exportAnswers":"Ekspordi tekst","hideKeywords":"Peida v\u00f5tmes\u00f5nade loetelu","showKeywords":"N\u00e4ita v\u00f5tmes\u00f5nade loetelu","fullscreen":"T\u00e4isekraan","exitFullscreen":"V\u00e4lju t\u00e4isekraanilt","prevSlide":"Eelmine lehek\u00fclg","nextSlide":"J\u00e4rgmine lehek\u00fclg","currentSlide":"Jooksev lehek\u00fclg","lastSlide":"Viimane lehek\u00fclg","solutionModeTitle":"V\u00e4lju lahendusvaatest","solutionModeText":"Lahendusvaade","summaryMultipleTaskText":"Mitu \u00fclesannet","scoreMessage":"Sinu punktitulemus:","shareFacebook":"Jaga Facebookis","shareTwitter":"Jaga Twitteris","shareGoogle":"Jaga Google+ keskkonnas","summary":"Kokkuv\u00f5te","solutionsButtonTitle":"N\u00e4ita kommentaare","printTitle":"Tr\u00fcki","printIngress":"Kuidas soovid seda esitlust tr\u00fckkida?","printAllSlides":"Tr\u00fcki k\u00f5ik lehek\u00fcljed","printCurrentSlide":"Tr\u00fcki jooksev lehek\u00fclg","noTitle":"Pealkirjata","accessibilitySlideNavigationExplanation":"Kasuta nooleklahve vasakule ja paremale lehek\u00fclgede vahel liikumiseks - tee eelnevalt taust aktiivseks (kliki sellel).","accessibilityCanvasLabel":"Esitluse taust. Kasuta nooleklahve vasakule ja paremale lehek\u00fclgede vahel liikumiseks.","containsNotCompleted":"@slideName sisaldab l\u00f5petamata tegevust","containsCompleted":"@slideName sisaldab l\u00f5petatud tegevust","slideCount":"Lehek\u00fclg @index \/ @total","containsOnlyCorrect":"@slideName sisaldab vaid \u00f5igeid vastuseid","containsIncorrectAnswers":"@slideName sisaldab valesid vastuseid","shareResult":"Jaga tulemust","accessibilityTotalScore":"Sinu punktisumma on @score punkti (maksimaalne v\u00f5imalik on @maxScore)","accessibilityEnteredFullscreen":"Entered fullscreen","accessibilityExitedFullscreen":"Exited fullscreen"}}

T25/2 - Käitumine liiklusõnnetuse korral_opetajale