Ikvienam var gad\u012bties nok\u013c\u016bt situ\u0101cij\u0101, kad esi iesniedzis apdro\u0161in\u0101\u0161anas atl\u012bdz\u012bbas pieteikumu, bet nepiekr\u012bti apdro\u0161in\u0101t\u0101ja pie\u0146emtajam l\u0113mumam \u2013 vai nu atl\u012bdz\u012bba tiek atteikta vai atl\u012bdz\u012bbas apm\u0113rs \u0161\u0137iet neatbilsto\u0161s.<\/p>\n
Apdro\u0161in\u0101\u0161anas tehnolo\u0123iju uz\u0146\u0113mums Balcia skaidro, k\u0101 klientiem r\u012bkoties, ja apdro\u0161in\u0101t\u0101ja l\u0113mums \u0161\u0137iet nesaprotams vai netaisn\u012bgs, kur mekl\u0113t padomu un k\u0101 lab\u0101k risin\u0101t situ\u0101ciju?<\/p>\n
\u201cCilv\u0113ki ieg\u0101d\u0101jas apdro\u0161in\u0101\u0161anu, lai var\u0113tu justies dro\u0161i, ka nelaimes gad\u012bjum\u0101 apdro\u0161in\u0101t\u0101js par\u016bp\u0113sies par zaud\u0113jumu seg\u0161anu. Ta\u010du da\u017ek\u0101rt rodas situ\u0101cijas, kad klients nav apmierin\u0101ts ar apdro\u0161in\u0101t\u0101ja pie\u0146emto l\u0113mumu. Visbie\u017e\u0101k tas notiek tad, ja klienta gaidas nesakr\u012bt ar polises noteikumiem. Piem\u0113ram – konkr\u0113tais gad\u012bjums nav bijis iek\u013cauts polis\u0113 vai izv\u0113l\u0113ta polise ar zem\u0101ku segumu nek\u0101 zaud\u0113jumu apm\u0113rs,\u201d uzsver Balcia viceprezidents Reinis B\u0113rzkalns.<\/p>\n
Vi\u0146\u0161 nor\u0101da, ka apdro\u0161in\u0101t\u0101jiem ir pien\u0101kums pie\u0146emt l\u0113mumu par atl\u012bdz\u012bbas izmaksu, balstoties, piem\u0113ram, uz policijas l\u0113mumu par av\u0101riju vai b\u016bvuzrauga sl\u0113dzienu par \u0113kas boj\u0101jumiem. Ja klients nepiekr\u012bt \u0161o speci\u0101listu v\u0113rt\u0113jumam, tad tos ir iesp\u0113jams p\u0101rs\u016bdz\u0113t. Ja \u0161ie l\u0113mumi tiek main\u012bti, tad ar\u012b apdro\u0161in\u0101t\u0101js savu l\u0113mumu piel\u0101gos.<\/p>\n
Pirmais solis \u2013 sazinies ar savu apdro\u0161in\u0101t\u0101ju<\/p>\n
Ja, sa\u0146emot apdro\u0161in\u0101t\u0101ja pie\u0146emto l\u0113mumu, tas tev nav saprotams vai ne\u0161\u0137iet atbilsto\u0161s, vispirms sazinies ar savu apdro\u0161in\u0101t\u0101ju un pal\u016bdz papildu skaidrojumu. Visbie\u017e\u0101k neskaidros jaut\u0101jumus iesp\u0113jams atrisin\u0101t, vienk\u0101r\u0161i p\u0101rrun\u0101jot situ\u0101ciju un preciz\u0113jot polises nosac\u012bjumus.<\/p>\n
Turkl\u0101t R. B\u0113rzkalns iesaka v\u0113rsties pie apdro\u0161in\u0101t\u0101ja uzreiz. Jo \u0101tr\u0101k jaut\u0101jums tiek p\u0101rrun\u0101ts, jo viegl\u0101k atrast risin\u0101jumu.<\/p>\n
Kur v\u0113rsties, ja ar apdro\u0161in\u0101t\u0101ju nav iesp\u0113jams vienoties?<\/p>\n
Ir gad\u012bjumi, kad apdro\u0161in\u0101t\u0101js ar klientu tom\u0113r nesp\u0113j atrast kop\u012bgu valodu, t\u0101p\u0113c Latvij\u0101 ir vair\u0101kas instit\u016bcijas, kur v\u0113rsties p\u0113c padoma un pal\u012bdz\u012bbas ar apdro\u0161in\u0101\u0161anu saist\u012btu str\u012bdu risin\u0101\u0161an\u0101.<\/p>\n
1. Latvijas Apdro\u0161in\u0101t\u0101ju asoci\u0101cijas (LAA) ombuds pal\u012bdz atrisin\u0101t str\u012bdus \u0101rpustiesas ce\u013c\u0101. Pie LAA ombuda var v\u0113rsties fiziskas personas, kam ir domstarp\u012bbas ar apdro\u0161in\u0101t\u0101ju saist\u012bb\u0101 ar \u012bpa\u0161uma, vesel\u012bbas, dz\u012bv\u012bbas, nelaimes gad\u012bjumu, KASKO vai visp\u0101r\u0113j\u0101s civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161anu. Ombuds neatkar\u012bgi un bez maksas izskata s\u016bdz\u012bbas par apdro\u0161in\u0101t\u0101ju vai apdro\u0161in\u0101\u0161anas starpnieku r\u012bc\u012bbu, k\u0101 ar\u012b par atl\u012bdz\u012bbas izmaksu vai t\u0101s atteikumu.<\/p>\n
2. Latvijas Transportl\u012bdzek\u013cu apdro\u0161in\u0101t\u0101ju birojs (LTAB). Ja domstarp\u012bbas saist\u012btas ar OCTA apdro\u0161in\u0101\u0161anu, vari v\u0113rsties LTAB, kura eksperti sniedz konsult\u0101cijas un pie\u0146em s\u016bdz\u012bbas. LTAB var pal\u012bdz\u0113t gad\u012bjumos, ja ce\u013cu satiksmes negad\u012bjumu izrais\u012bjis neapdro\u0161in\u0101ts transportl\u012bdzeklis vai ja nepiekr\u012bti apdro\u0161in\u0101t\u0101ja l\u0113mumam OCTA liet\u0101.<\/p>\n
3. Latvijas Banka \u2013 uzrauga apdro\u0161in\u0101\u0161anas uz\u0146\u0113mumu darb\u012bbu un normat\u012bvo aktu iev\u0113ro\u0161anu. Lai gan banka nerisina str\u012bdus starp klientu un apdro\u0161in\u0101t\u0101ju, t\u0101 var izv\u0113rt\u0113t p\u0101rk\u0101pumus un piem\u0113rot sankcijas, ja tiek konstat\u0113ta r\u012bc\u012bba, kas neatbilst likumam. Piem\u0113ram, gad\u012bjumos, ja apdro\u0161in\u0101\u0161anas l\u012bgums neatbilst likuma pras\u012bb\u0101m, ja apdro\u0161in\u0101t\u0101js nesniedz klientam inform\u0101ciju, kas tam pien\u0101kas, vai nepie\u0146em l\u0113mumu noteiktaj\u0101 termi\u0146\u0101.<\/p>\n
4. Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centr\u0101 (PTAC) vari v\u0113rsties, ja uzskati, ka ir p\u0101rk\u0101ptas pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas normas, piem\u0113ram, l\u012bguma noteikumi ir netaisn\u012bgi vai pakalpojums sniegts negod\u012bgi. PTAC pal\u012bdz risin\u0101t \u0161\u0101dus str\u012bdus un sniedz juridisku atbalstu.<\/p>\n
5. Tiesa \u2013 ja str\u012bdu nav iesp\u0113jams atrisin\u0101t nevien\u0101 no iepriek\u0161 min\u0113taj\u0101m instit\u016bcij\u0101m, klientam vienm\u0113r ir ties\u012bbas savu pras\u012bbu celt ties\u0101 saska\u0146\u0101 ar Latvijas likumiem.<\/p>\n
Ko v\u0113l vari dar\u012bt, lai izvair\u012btos no domstarp\u012bb\u0101m?<\/p>\n
Balcia pied\u0101v\u0101 v\u0113l da\u017eus praktiskus ieteikumus, k\u0101 ikviens klients var prevent\u012bvi r\u012bkoties, lai izvair\u012btos no nesaska\u0146\u0101m ar apdro\u0161in\u0101t\u0101ju vai pal\u012bdz\u0113tu t\u0101s \u0101tr\u0101k atrisin\u0101t.<\/p>\n
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pirms polises ieg\u0101des ir svar\u012bgi iepaz\u012bties ar t\u0101s noteikumiem un izv\u0113rt\u0113t, vai polis\u0113 iek\u013cautie riski un atl\u012bdz\u012bbu limiti atbilst tav\u0101m vajadz\u012bb\u0101m. Tas pal\u012bdz\u0113s izvair\u012bties no vil\u0161an\u0101s br\u012b\u017eos, kad noticis negad\u012bjums.<\/p>\n
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0101rliecinies, vai polises noteikumi ir saprotami, un dro\u0161i izjaut\u0101 apdro\u0161in\u0101t\u0101ja p\u0101rst\u0101vi, lai preciz\u0113tu neskaidros jaut\u0101jumus!<\/p>\n
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ja ir noticis negad\u012bjums, saglab\u0101 visus dokumentus un pier\u0101d\u012bjumus, kas var\u0113tu tev pal\u012bdz\u0113t s\u016bdz\u012bbas izskat\u012b\u0161anas proces\u0101.<\/p>\n
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Atsevi\u0161\u0137os gad\u012bjumos, lai apdro\u0161in\u0101t\u0101js var\u0113tu izmaks\u0101t atl\u012bdz\u012bbu, ir nepiecie\u0161ams policijas l\u0113mums \u00a0\u2013 t\u0101da, piem\u0113ram, ir situ\u0101cija, ja notikusi z\u0101dz\u012bba vai cits noziedz\u012bgs nodar\u012bjums. Ja ir noticis negad\u012bjums, bet nesaproti, vai nepiecie\u0161ams izsaukt policiju, ieteicams uzreiz konsult\u0113ties ar apdro\u0161in\u0101t\u0101ju, kas paskaidros, vai eso\u0161aj\u0101 situ\u0101cij\u0101 policijas zi\u0146ojums b\u016bs nepiecie\u0161ams.<\/p>\n
Stingri aizliegts iAuto.lv public\u0113tos materi\u0101lus izmantot, kop\u0113t vai reproduc\u0113t citos interneta port\u0101los, masu inform\u0101cijas l\u012bdzek\u013cos vai k\u0101 cit\u0101di r\u012bkoties ar iAuto.lv public\u0113tajiem materi\u0101liem bez rakstiskas EON SIA at\u013caujas sa\u0146em\u0161anas.<\/p>\n","protected":false},"excerpt":{"rendered":"Ikvienam var gad\u012bties nok\u013c\u016bt situ\u0101cij\u0101, kad esi iesniedzis apdro\u0161in\u0101\u0161anas atl\u012bdz\u012bbas pieteikumu, bet nepiekr\u012bti apdro\u0161in\u0101t\u0101ja pie\u0146emtajam l\u0113mumam \u2013 vai…\n","protected":false},"author":2,"featured_media":42858,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[16],"tags":[77,76,12102,12101,35,39,38,36,37,34,40,12100],"class_list":["post-42857","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bizness","tag-bizness","tag-business","tag-ja-nepiekriti-apdrosinataja-lemumam","tag-ka-rikoties","tag-latvia","tag-latvian","tag-latviesu","tag-latviesu-valoda","tag-latviesuvaloda","tag-latvija","tag-lv","tag-padomi"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115509980207926872","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/42857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=42857"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/42857\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/42858"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=42857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=42857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=42857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}