{"id":3590,"date":"2023-03-16T10:56:09","date_gmt":"2023-03-16T09:56:09","guid":{"rendered":"https:\/\/svecebitiuredu.triglav.hr\/vsebovredu_rs\/?p=3590"},"modified":"2025-07-21T09:11:52","modified_gmt":"2025-07-21T07:11:52","slug":"ne-budite-zrtva-namjestene-prometne-nesrece","status":"publish","type":"post","link":"https:\/\/svecebitiuredu.triglav.hr\/vsebovredu_hr\/ne-budite-zrtva-namjestene-prometne-nesrece\/","title":{"rendered":"Ne budite \u017ertva namje\u0161tene prometne nesre\u0107e"},"content":{"rendered":"\n<h1 class=\"wp-block-heading has-large-font-size\"><strong>Biste li prepoznali namjerno izazvanu prometnu nesre\u0107u i poduzeli odgovaraju\u0107e mjere?<\/strong><\/h1>\n\n\n\n<p>Imali ste prometnu nesre\u0107u koja izgleda kao da ste vi krivi. Iako je mo\u017eda po\u010dinjena samo materijalna \u0161teta, osje\u0107aj nije ugodan. Me\u0111utim, ne\u0161to vas zabrinjava. Niste sigurni kako je nesre\u0107a uop\u0107e nastala. Neobi\u010dne okolnosti mogu ukazivati na to da je sve inscenirano. U \u010dlanku \u0107emo vam pomo\u0107i da ih prepoznate.<\/p>\n\n\n\n<p>Kako bismo vam pomogli prepoznati takve situacije i pravilno reagirati, konzultirali smo stru\u010dnjake iz Triglav osiguranja. Postoji nekoliko tipi\u010dnih scenarija koji se odnose na poku\u0161aje prevare kako bi se naplatilo osiguranje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\"><strong>Namjerno izazvane prometne nesre\u0107e mogu se klasificirati u tri grupe:<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Prva grupa<\/strong> uklju\u010duje simulirane nesre\u0107e koje se zapravo nisu dogodile, a po\u010dinitelji koriste la\u017enu dokumentaciju kako bi tra\u017eili naknadu \u0161tete.<\/li>\n\n\n\n<li><strong>Druga grupa<\/strong> odnosi se na slu\u010dajeve u kojima sudjeluju i po\u010dinitelj i \u017ertva u razli\u010ditim vozilima. Dva vozila sudaraju se prema unaprijed dogovorenom scenariju. Nakon nesre\u0107e, sudionici pozivaju policiju i sastavljaju zapisnik. Sudionik obja\u0161njava unaprijed nau\u010denu verziju nesre\u0107e. Zatim odlazi u hitnu pomo\u0107 i koristi bol kako bi podupro svoju pri\u010du. Cilj je da bude uvjerljivo kako bi dobio uputnicu za fizikalnu terapiju i visoku od\u0161tetu od osiguranja.<\/li>\n\n\n\n<li><strong>Tre\u0107a grupa<\/strong> uklju\u010duje tzv. izazvane prometne nesre\u0107e, gdje po\u010dinitelj iskori\u0161tava prometnu situaciju, poput pogre\u0161nog pona\u0161anja drugog voza\u010da. U nastavku \u0107emo se fokusirati na ove nesre\u0107e.<\/li>\n<\/ul>\n\n\n\n<p>Prema stru\u010dnjacima iz Triglav osiguranja, cilj ovih nesre\u0107a obi\u010dno je da prevarant dobije od\u0161tetu koju ispla\u0107uje osiguravaju\u0107e dru\u0161tvo, te osoba koja je izazvala nesre\u0107u.<\/p>\n\n\n\n<p>Ove vrste prijevara gotovo uvijek su povezane sa zahtjevima za od\u0161tetu za tjelesne ozljede. Prevaranti posje\u0107uju hitnu pomo\u0107 nakon nesre\u0107e, gdje se \u017eale na bol i podnose zahtjeve za ozljede osiguravaju\u0107em dru\u0161tvu. <\/p>\n\n\n\n<p>Budu\u0107i da u vozilima obi\u010dno ima nekoliko ljudi, zahtjevi za od\u0161tetu brzo dose\u017eu visoke iznose.<\/p>\n\n\n\n<p>Posljedice ovih nesre\u0107a nisu samo \u0161tete za osiguravaju\u0107e dru\u0161tvo koje utje\u010du na pove\u0107anje premija osiguranja, nego ponekad i stvarne ozljede sudionika.<\/p>\n\n\n\n<p>Financijske posljedice insceniranih nesre\u0107a su \u0161iroke. To nije samo tro\u0161ak \u0161tete na vozilima, ve\u0107 i tro\u0161ak lije\u010denja svih uklju\u010denih. Uklju\u010deni su policajci, vatrogasci, hitna pomo\u0107, lije\u010dnici, kori\u0161tenje raznih medicinskih sredstava, fizioterapija&#8230;<\/p>\n\n\n\n<p>Ovi tro\u0161kovi mogu biti znatno ve\u0107i od od\u0161tete koju ispla\u0107uje osiguranje, a utje\u010du i na optere\u0107enje zdravstvenog sustava, upozoravaju stru\u010dnjaci iz osiguravaju\u0107ih dru\u0161tava.<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-huge-font-size\"><strong>Uobi\u010dajeni slu\u010dajevi insceniranih prometnih nesre\u0107a<\/strong><\/h1>\n\n\n\n<p>Izazvane prometne nesre\u0107e te\u0161ko je dokazati. Po\u010dinitelji imaju unaprijed smi\u0161ljene scenarije. Paze da u blizini nema svjedoka ili nadzornih kamera. Da biste ih dokazali, morate nau\u010diti kako ih prepoznati.<\/p>\n\n\n\n<p>Najvi\u0161e ovakvih nesre\u0107a doga\u0111a se na parkirali\u0161tima, gdje po\u010dinitelji pa\u017eljivo biraju svoju \u201e\u017ertvu\u201c i obi\u010dno je iznenade dok izlazi unazad s parking mjesta. U tom trenutku svojim vozilom naglo krenu prema tom vozilu i izazovu sudar.<\/p>\n\n\n\n<p>Po\u010dinitelji \u010desto izazivaju inscenirane sudare tako da voze ispred vozila svoje odabrane \u017ertve, a zatim iznenada i bez razloga zako\u010de. Tada vozilo iza njih obi\u010dno zaleti u stra\u017enji dio njihovog vozila.<\/p>\n\n\n\n<p>Poznati su i slu\u010dajevi sudara na manje prometnim raskri\u017ejima, gdje prevarant daje prednost voza\u010du vozila na sporednoj cesti, a potom namjerno ulazi u raskri\u017eje i izaziva sudar. Prevarant tada tvrdi policiji da mu je voza\u010d drugog vozila oduzeo prednost.<\/p>\n\n\n\n<p class=\"has-huge-font-size\"><em>Vra\u0107ate se na parking. Na zadnjim vratima va\u0161eg vozila primje\u0107ujete ostatke boje s drugog vozila i manje udubljenje. \u0160to prvo trebate u\u010diniti? Pro\u010ditajte u tekstu <a href=\"https:\/\/svecebitiuredu.triglav.hr\/vsebovredu_hr\/sto-ukoliko-vam-se-dogodi-steta-na-parkingu\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0160to u\u010diniti ako vas zadesi \u0161teta na parkingu?<\/a><\/em><\/p>\n\n\n\n<h1 class=\"wp-block-heading has-huge-font-size\"><strong>5 savjeta kako izbje\u0107i la\u017enu nesre\u0107u<\/strong><\/h1>\n\n\n\n<p>Iako je te\u0161ko utjecati na postupke drugih sudionika u prometu, mo\u017eete poku\u0161ati izbje\u0107i takve situacije. Preporu\u010dujemo sljede\u0107e:<\/p>\n\n\n\n<ol type=\"1\">\n<li>Obratite pa\u017enju na neobi\u010dno pona\u0161anje drugih voza\u010da, kao \u0161to je izuzetno spora vo\u017enja ili naglo ko\u010denje i ubrzanje.<\/li>\n\n\n\n<li>Osvrnite se na voza\u010de i putnike u vozilu. \u010cesto upadljivo i s prekomjernom pa\u017enjom prate ono \u0161to se doga\u0111a iza njih, koriste\u0107i retrovizore ili na neki drugi na\u010din.<\/li>\n\n\n\n<li>Budite oprezni u blizini ve\u0107 o\u0161te\u0107enih vozila.<\/li>\n\n\n\n<li>Odr\u017eavajte sigurnu udaljenost koje \u0107e vam omogu\u0107iti da reagirate, \u010dak i u slu\u010daju neo\u010dekivanog ko\u010denja.<\/li>\n\n\n\n<li>Obratite pa\u017enju na kretanje vozila ispred vas i njegova stop svjetla. Ponekad mogu biti namjerno onesposobljena.<\/li>\n<\/ol>\n\n\n\n<h1 class=\"wp-block-heading has-huge-font-size\"><strong>Sumnjiva nezgoda, \u0161to sada?<\/strong><\/h1>\n\n\n\n<p>Ako se ipak na\u0111ete u prometnoj nesre\u0107i za koju sumnjate da je inscenirana, preporu\u010duje se da pozovete policiju. Policija \u0107e obaviti o\u010devid i sastaviti zapisnik.<\/p>\n\n\n\n<p>Prema stru\u010dnjacima za analizu prevara iz Triglav osiguranja, dokazivanje da je prometna nesre\u0107a inscenirana spada u najzahtjevnije krivi\u010dne poslove. Za to je potrebno mnogo truda i stru\u010dnosti u analizi prometnog kriminala. Policajci uo\u010davaju mnoge tragove.<\/p>\n\n\n\n<p>Nesre\u0107e se naj\u010de\u0161\u0107e doga\u0111aju na neprometnim i udaljenim putevima bez javne rasvjete i preciznog vremena odr\u017eavanja. Naj\u010de\u0161\u0107e se nesre\u0107e doga\u0111aju no\u0107u i po lo\u0161im vremenskim uvjetima. Tako\u0111er, tu su manjkavi i manipulirani tragovi i druge okolnosti, kao \u0161to su izjave sudionika.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.triglav.hr\/osiguranja\/fizicke-osobe\/osiguranje-automobila\"><img decoding=\"async\" loading=\"lazy\" width=\"850\" height=\"480\" src=\"https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila.jpg\" alt=\"\" class=\"wp-image-14152\" srcset=\"https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila.jpg 850w, https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila-300x169.jpg 300w, https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila-768x434.jpg 768w, https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila-370x209.jpg 370w, https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila-270x152.jpg 270w, https:\/\/svecebitiuredu.triglav.hr\/wp-content\/uploads\/2025\/07\/Vozila-570x322.jpg 570w\" sizes=\"(max-width: 850px) 100vw, 850px\" \/><\/a><\/figure>\n\n\n\n<p>U svakom slu\u010daju, va\u017eno je prvo potpuno i to\u010dno ispuniti europski obrazac o prometnoj nesre\u0107i. Trebali biste dodati bilo kakve primjedbe o nastanku nesre\u0107e. <\/p>\n\n\n\n<p>Ako niste sigurni u okolnosti nesre\u0107e, nemojte priznati krivicu na mjestu nesre\u0107e niti upisivati takve izjave u zapisnik. Obratite pa\u017enju i na podatke o drugim sudionicima nesre\u0107e, broj ljudi u vozilima, va\u017enost voza\u010dke dozvole i police osiguranja.<\/p>\n\n\n\n<p class=\"has-huge-font-size\"><em>Tako\u0111er, preporu\u010dljivo je fotografirati mjesto nesre\u0107e i poslati fotografije osiguravaju\u0107em dru\u0161tvu.<\/em><\/p>\n\n\n\n<p>Tako\u0111er, nakon nesre\u0107e obratite pa\u017enju na druge znakove koji vam mogu pomo\u0107i da prepoznate montiranu nesre\u0107u. Na primjer, veliki broj ljudi u vozilu koji se \u017eale na bolove neposredno nakon nesre\u0107e, iako je rije\u010d o manjem sudaru. Tako\u0111er, budite oprezni ako se na mjestu nesre\u0107e neo\u010dekivano pojavi \u0161lep slu\u017eba.<\/p>\n\n\n\n<p>Ako vam je potrebna pomo\u0107 u slu\u010daju ove vrste nezgoda, kontakt centar osiguravaju\u0107eg dru\u0161tva dostupan vam je na broj telefona <strong>+0800 20 20 80<\/strong>.<\/p>\n\n\n\n<p>Tako\u0111er, ako sumnjate da se radi o prevari, mo\u017eete se obratiti Slu\u017ebi za sprje\u010davanje, otkrivanje i istra\u017eivanje prijevara Triglav osiguranja <a href=\"https:\/\/www.triglav.hr\/o-nama\/suzbijanje-prijevara#:~:text=Za%20izvo%C4%91enje%20zadataka%20na%20podru%C4%8Dju%20prijevara%20u%20Triglav,kao%20slu%C5%BEba%20podr%C5%A1ke%20i%20neposredno%20podre%C4%91ena%20Upravi%20Dru%C5%A1tva.\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ispunjavanjem online obrasca<\/strong><\/a>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-huge-font-size\"><strong>Od prijave do rije\u0161enog slu\u010daja<\/strong><\/h1>\n\n\n\n<p>Svaka prijava bit \u0107e detaljno ispitana kori\u0161tenjem automatskog sustava za detekciju sumnjivih \u0161teta. Stru\u010dnjaci \u0107e analizirati podatke, provesti terenske provjere i intervjue sa sudionicima i potencijalnim svjedocima, prikupiti dodatne informacije.<\/p>\n\n\n\n<p>Ako se sumnje potvrde, osiguravaju\u0107e dru\u0161tvo \u0107e odbiti zahtjev za od\u0161tetu. \u0160teta na vozilu osiguranika pokrit \u0107e se iz kasko osiguranja, a zatim \u0107e se s regresnim zahtjevom obratiti osiguravaju\u0107em dru\u0161tvu uzro\u010dnika i o slu\u010daju obavijestiti policiju.<\/p>\n\n\n\n<p><strong>Izvor: <a href=\"https:\/\/vsebovredu.triglav.si\/na-poti\/ne-postanite-zrtev-prirejene-prometne-nesrece\">Vse bo v redu<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Biste li prepoznali namjerno izazvanu prometnu nesre\u0107u i poduzeli odgovaraju\u0107e mjere? Imali ste prometnu nesre\u0107u koja izgleda kao da ste vi krivi. Iako je mo\u017eda po\u010dinjena samo materijalna \u0161teta, osje\u0107aj nije ugodan. Me\u0111utim, ne\u0161to vas zabrinjava. Niste sigurni kako je nesre\u0107a uop\u0107e nastala. Neobi\u010dne okolnosti mogu ukazivati na to da je sve inscenirano. U \u010dlanku [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[46],"tags":[173,134,210,175],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Ne budite \u017ertva namje\u0161tene prometne nesre\u0107e<\/title>\r\n<meta name=\"description\" content=\"Sve ce biti u Redu | Triglav.hr - Imali ste prometnu nesre\u0107u koja izgleda kao da ste vi krivi. 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