{"id":51874,"date":"2026-07-20T11:32:51","date_gmt":"2026-07-20T09:32:51","guid":{"rendered":"https:\/\/otpor.media\/?p=51874"},"modified":"2026-07-20T11:32:55","modified_gmt":"2026-07-20T09:32:55","slug":"osiguranje-vam-je-proglasilo-totalku-ne-pristajte-na-prvu-ponudu-evo-kako-dobiti-vise-novca","status":"publish","type":"post","link":"https:\/\/otpor.media\/?p=51874","title":{"rendered":"Osiguranje vam je proglasilo “totalku”? Ne pristajte na prvu ponudu, evo kako dobiti vi\u0161e novca!"},"content":{"rendered":"\n

Kada osiguravaju\u0107a ku\u0107a proglasi automobil “totalkom”, a to u vrijeme dana\u0161njih automobila, prepunih radara, senzora i kamera, uop\u0107e nije nemogu\u0107e, mnogi vlasnici pretpostavljaju da nemaju izbora osim prihvatiti ponu\u0111eni iznos od\u0161tete.<\/p>\n\n\n\n

Me\u0111utim, stru\u010dnjaci upozoravaju da prva ponuda nije uvijek i najbolja. Treba biti ustrajan jer se u pojedinim slu\u010dajevima mo\u017ee ostvariti ve\u0107a isplata.<\/p>\n\n\n\n

\u0160to zna\u010di totalna \u0161teta?<\/strong><\/h2>\n\n\n\n

Totalna \u0161teta nastaje kada tro\u0161kovi popravka prema\u0161e vrijednost automobila ili kada osiguravaju\u0107a ku\u0107a procijeni da popravak nije ekonomski opravdan. U tom slu\u010daju vlasniku se ispla\u0107uje od\u0161teta, ali na\u010din na koji se ona obra\u010dunava \u010desto izaziva nedoumice.<\/p>\n\n\n\n

Mnogi voza\u010di tek tada prvi put \u010duju pojmove poput tr\u017ei\u0161ne vrijednosti, tr\u017ei\u0161ne cijene ili zamjenske vrijednosti, iako upravo oni mogu utjecati na kona\u010dan iznos koji \u0107e dobiti.<\/p>\n\n\n\n

Tr\u017ei\u0161na vrijednost i tr\u017ei\u0161na cijena nisu isto<\/strong><\/h2>\n\n\n\n

Osiguravaju\u0107e ku\u0107e od\u0161tetu uglavnom odre\u0111uju prema procijenjenoj tr\u017ei\u0161noj vrijednosti automobila neposredno prije nesre\u0107e. Ta procjena uzima u obzir starost vozila, kilometra\u017eu, stanje, opremu i druge \u010dimbenike.<\/p>\n\n\n\n

S druge strane, stvarna tr\u017ei\u0161na cijena predstavlja iznos po kojem se isti ili sli\u010dan automobil doista prodaje. U mnogim slu\u010dajevima ona mo\u017ee biti 15 do 20 posto vi\u0161a od procijenjene vrijednosti koju koristi osiguranje.<\/p>\n\n\n\n

Zbog toga je korisno provjeriti oglase i cijene sli\u010dnih vozila na tr\u017ei\u0161tu kako biste stekli jasniju sliku o tome odgovara li ponu\u0111ena od\u0161teta stvarnoj vrijednosti va\u0161eg automobila.<\/p>\n\n\n\n

Na primjer, ako je tr\u017ei\u0161na vrijednost vozila procijenjena na 15.000 KM, njegova stvarna prodajna cijena na tr\u017ei\u0161tu mo\u017ee biti izme\u0111u 17.000 i 18.000 KM. Upravo ta razlika mo\u017ee predstavljati prostor za pregovore s osiguravaju\u0107om ku\u0107om ili dodatnu zaradu kroz prodaju ostataka vozila.<\/p>\n\n\n\n

Ne zaboravite na vrijednost ostataka vozila<\/strong><\/h2>\n\n\n\n

Kada je rije\u010d o totalnoj \u0161teti, procjena se \u010desto sastoji od dva dijela:<\/strong><\/p>\n\n\n\n

-iznosa koji ispla\u0107uje osiguravaju\u0107a ku\u0107a<\/p>\n\n\n\n

-vrijednosti ostataka havariranog vozila<\/p>\n\n\n\n

Upravo vrijednost ostataka mo\u017ee biti predmet dodatnih pregovora. U nekim slu\u010dajevima (premda rijetko) specijalizirani otkupljiva\u010di ili auto-otpadi spremni su platiti vi\u0161e nego \u0161to je prvotno procijenjeno, \u010dime se pove\u0107ava ukupan iznos koji vlasnik mo\u017ee dobiti.<\/p>\n\n\n\n

\u0160to u\u010diniti prije nego \u0161to prihvatite ponudu?<\/strong><\/h2>\n\n\n\n

Prije nego \u0161to potpi\u0161ete dokumentaciju i prihvatite isplatu, vrijedi napraviti nekoliko koraka:<\/strong><\/p>\n\n\n\n

-detaljno provjeriti kako je izra\u010dunata od\u0161teta,<\/p>\n\n\n\n

-usporediti vrijednost automobila s cijenama sli\u010dnih modela na tr\u017ei\u0161tu,<\/p>\n\n\n\n

-zatra\u017eiti dodatnu procjenu ako vozilo ima malu kilometra\u017eu, bogatu opremu ili je bilo iznimno dobro odr\u017eavano,<\/p>\n\n\n\n

-raspitati se kolika je stvarna vrijednost ostataka vozila prije nego \u0161to ih prepustite osiguravaju\u0107oj ku\u0107i ili otpadu.<\/p>\n\n\n\n

Informirani vlasnik mo\u017ee pro\u0107i bolje<\/strong><\/h2>\n\n\n\n

Progla\u0161enje totalne \u0161tete ne zna\u010di da je svaka mogu\u0107nost zavr\u0161ena. Iako se odluka da se automobil ne isplati popravljati uglavnom ne mo\u017ee promijeniti, vlasnik mo\u017ee provjeriti odra\u017eava li ponu\u0111ena od\u0161teta realno vrijednost vozila i postoji li mogu\u0107nost ostvarivanja ve\u0107e isplate kroz bolju procjenu ostataka.<\/p>\n\n\n\n

Zato se prije prihva\u0107anja prve ponude isplati prikupiti \u0161to vi\u0161e informacija i usporediti dostupne opcije. Nekoliko dodatnih provjera mo\u017ee zna\u010diti i nekoliko stotina ili \u010dak tisu\u0107a maraka ve\u0107i iznos na kraju cijelog postupka.<\/p>\n\n\n\n

Klix.ba<\/sup><\/a><\/strong><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Kada osiguravaju\u0107a ku\u0107a proglasi automobil “totalkom”, a to u vrijeme dana\u0161njih automobila, prepunih radara, senzora i kamera, uop\u0107e nije nemogu\u0107e, mnogi vlasnici pretpostavljaju da nemaju izbora osim prihvatiti ponu\u0111eni iznos od\u0161tete. Me\u0111utim, stru\u010dnjaci upozoravaju da prva ponuda nije uvijek i najbolja. Treba biti ustrajan jer se u pojedinim slu\u010dajevima mo\u017ee ostvariti ve\u0107a isplata. \u0160to zna\u010di […]<\/p>\n","protected":false},"author":1,"featured_media":26173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":281,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-51874","post","type-post","status-publish","format-standard","has-post-thumbnail","category-auto-moto"],"yoast_head":"\nOsiguranje vam je proglasilo "totalku"? 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Ne pristajte na prvu ponudu, evo kako dobiti vi\u0161e novca! - OTPOR.Media","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/otpor.media\/?p=51874","og_locale":"hr_HR","og_type":"article","og_title":"Osiguranje vam je proglasilo \"totalku\"? Ne pristajte na prvu ponudu, evo kako dobiti vi\u0161e novca!","og_description":"Kada osiguravaju\u0107a ku\u0107a proglasi automobil “totalkom”, a to u vrijeme dana\u0161njih automobila, prepunih radara, senzora i kamera, uop\u0107e nije nemogu\u0107e, mnogi vlasnici pretpostavljaju da nemaju izbora osim prihvatiti ponu\u0111eni iznos od\u0161tete. Me\u0111utim, stru\u010dnjaci upozoravaju da prva ponuda nije uvijek i najbolja. 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