{"id":1546,"date":"2022-10-12T11:24:06","date_gmt":"2022-10-12T09:24:06","guid":{"rendered":"https:\/\/i-rs.pl\/?page_id=1546"},"modified":"2024-04-09T12:19:20","modified_gmt":"2024-04-09T10:19:20","slug":"obsluga-prawna-zakladow-ubezpieczen","status":"publish","type":"page","link":"https:\/\/i-rs.pl\/en\/obsluga-prawna-zakladow-ubezpieczen\/","title":{"rendered":"Legal services for insurance companies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1546\" class=\"elementor elementor-1546\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37058572 elementor-section-content-bottom elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"37058572\" data-element_type=\"section\" data-e-type=\"section\" 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loop><\/video>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 283.5 19.6\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 18.8 141.8 4.1 283.5 18.8 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 12.6 141.8 4 283.5 12.6 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 6.4 141.8 4 283.5 6.4 283.5 0z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L0 1.2 141.8 4 283.5 1.2 283.5 0z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a8a910c\" data-id=\"2a8a910c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67473df5 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"67473df5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obs\u0142uga prawna zak\u0142ad\u00f3w ubezpiecze\u0144<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a282742 animated-slow elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"5a282742\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInRight&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59d4655b elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"59d4655b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-383b686c\" data-id=\"383b686c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3754dfea elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3754dfea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-square\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b771838 elementor-widget elementor-widget-heading\" data-id=\"1b771838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ubezpieczenia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2689fe24 elementor-widget elementor-widget-text-editor\" data-id=\"2689fe24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Kancelaria Radc\u00f3w Prawnych Ryszewski, Szubierajski zosta\u0142a za\u0142o\u017cona przez radc\u00f3w prawnych wywodz\u0105cych si\u0119 z bran\u017cy ubezpieczeniowej i posiadaj\u0105cych bogate do\u015bwiadczenie w obs\u0142udze najwi\u0119kszych tego typu podmiot\u00f3w na polskim rynku.<\/p><p style=\"font-weight: 400;\">Kancelaria obs\u0142uguje wiod\u0105ce zak\u0142ady ubezpiecze\u0144 w zakresie spraw zar\u00f3wno biernych (gdzie Zak\u0142ad Ubezpiecze\u0144 jest stron\u0105 pozwan\u0105) jak i czynnych,\u00a0 w post\u0119powaniach regresowych jak i te\u017c w obszarze windykacji nale\u017cno\u015bci oraz post\u0119powaniach karnych.\u00a0 Natomiast wsp\u00f3\u0142praca z szeregiem instytucji finansowych, min. bankami, w zakresie dochodzenia roszcze\u0144 od klient\u00f3w usprawnia ca\u0142\u0105 procedur\u0119.<\/p><p style=\"font-weight: 400;\">W zakresie obs\u0142ugi spraw s\u0105dowych przed s\u0105dami powszechnymi oraz S\u0105dem Najwy\u017cszym, prowadzonych przeciwko klientom, Kancelaria oferuje kompleksow\u0105 obs\u0142ug\u0119 pocz\u0105wszy od etapu uzyskania informacji o skierowaniu sprawy na drog\u0119 post\u0119powania s\u0105dowego przeciwko klientowi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-688a3a2a\" data-id=\"688a3a2a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap 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d=\"M234.4,118.9c0,4.1,3.4,7.5,7.5,7.5h214.4c4.1,0,7.5-3.4,7.5-7.5s-3.4-7.5-7.5-7.5H241.9   C237.8,111.4,234.4,114.8,234.4,118.9z\"><\/path>\t\t<path class=\"st0\" d=\"M456.4,164.7H241.9c-4.1,0-7.5,3.4-7.5,7.5s3.4,7.5,7.5,7.5h214.4c4.1,0,7.5-3.4,7.5-7.5   S460.5,164.7,456.4,164.7z\"><\/path>\t\t<path class=\"st0\" d=\"M456.4,218H241.9c-4.1,0-7.5,3.4-7.5,7.5s3.4,7.5,7.5,7.5h214.4c4.1,0,7.5-3.4,7.5-7.5S460.5,218,456.4,218z\"><\/path>\t\t<path class=\"st0\" d=\"M456.4,271.3H241.9c-4.1,0-7.5,3.4-7.5,7.5s3.4,7.5,7.5,7.5h214.4c4.1,0,7.5-3.4,7.5-7.5   S460.5,271.3,456.4,271.3z\"><\/path>\t\t<path class=\"st0\" d=\"M456.4,324.6H241.9c-4.1,0-7.5,3.4-7.5,7.5s3.4,7.5,7.5,7.5h214.4c4.1,0,7.5-3.4,7.5-7.5   S460.5,324.6,456.4,324.6z\"><\/path>\t<\/g><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWsparcia merytorycznego w zakresie kompletowania materia\u0142u dowodowego\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-219f902 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"219f902\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4cf2e7cd\" data-id=\"4cf2e7cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01abcd3 elementor-widget elementor-widget-text-editor\" data-id=\"01abcd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Przed podj\u0119ciem dzia\u0142a\u0144 prawnicy Kancelarii dokonuj\u0105 oceny przekazanej dokumentacji \u00a0i poprzez wnikliw\u0105 analiz\u0119 stanu faktycznego podejmuj\u0105 decyzje o sposobie i rodzaju strategii przyj\u0119tej w odniesieniu do danej sprawy.\u00a0W dotychczasowej wsp\u00f3\u0142pracy z klientami obs\u0142u\u017cyli\u015bmy tysi\u0105ce spraw na ka\u017cdym etapie post\u0119powania pocz\u0105wszy od z\u0142o\u017cenia pierwszego pisma procesowego b\u0119d\u0105cego replik\u0105 na twierdzenia pozwu, prowadz\u0105c spraw\u0119, a\u017c do jej zako\u0144czenia na etapie wydania wyroku II instancji.<\/p><p style=\"font-weight: 400;\">W toku trwaj\u0105cych post\u0119powa\u0144 s\u0105dowych Kancelaria przygotowuje wszelkiego rodzaju pisma procesowe, w tym odpowiedzi na opini\u0119 bieg\u0142ych s\u0105dowych, oraz bierze udzia\u0142 i prowadzi negocjacje ugodowe, w tym r\u00f3wnie\u017c przed mediatorem.<\/p><p style=\"font-weight: 400;\">Kancelaria dochodzi r\u00f3wnie\u017c nale\u017cno\u015bci zas\u0105dzonych na rzecz klient\u00f3w, uzyskuj\u0105c odpowiednie tytu\u0142y wykonawcze i kieruje sprawy na drog\u0119 post\u0119powania egzekucyjnego. W tym zakresie Kancelaria wsp\u00f3\u0142pracuje z 250 komornikami na terenie ca\u0142ej Polski.<\/p><p style=\"font-weight: 400;\">Kancelaria prowadzi r\u00f3wnie\u017c sprawy na etapie post\u0119powania nadzwyczajnego przed S\u0105dem Najwy\u017cszym w zakresie zleconym przez Klient\u00f3w, przygotowuj\u0105c odpowiedzi na skargi nadzwyczajne oraz skargi kasacyjne.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67098532 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"67098532\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-36285c7e\" data-id=\"36285c7e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f6c3105 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"4f6c3105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb8524d elementor-widget elementor-widget-heading\" data-id=\"3cb8524d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zakres naszej praktyki obejmuje:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-32cd94a8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"32cd94a8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-13af05c\" data-id=\"13af05c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bfdc220 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bfdc220\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b60a775\" data-id=\"b60a775\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1edfd0a7 h-100 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1edfd0a7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-60086731\" data-id=\"60086731\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-455c4e50 elementor-widget elementor-widget-text-editor\" data-id=\"455c4e50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>szkody na osobie<\/li><li>szkody maj\u0105tkowe<\/li><li>zast\u0119pstwo procesowe na terenie ca\u0142ego kraju<\/li><li>sprawy dotycz\u0105ce gwarancji ubezpieczeniowych<\/li><li>obron\u0119 przed regresami<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6060e289\" data-id=\"6060e289\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3a76a896 h-100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a76a896\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-601d467b\" data-id=\"601d467b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-150268de elementor-widget elementor-widget-text-editor\" data-id=\"150268de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>sprawy dotycz\u0105ce b\u0142\u0119d\u00f3w medycznych<\/li><li>dochodzenie roszcze\u0144 z tytu\u0142u regres\u00f3w ubezpieczeniowych<\/li><li>sprawy karne<\/li><li>analiza stan\u00f3w faktycznych i przygotowywanie opinii prawnych na potrzeby zapyta\u0144 Klient\u00f3w<\/li><li>szkolenia wewn\u0119trzne dla Zak\u0142ad\u00f3w Ubezpiecze\u0144 oraz dla agent\u00f3w ubezpieczeniowych w dogodnych dla Klienta formach<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18aab11e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18aab11e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5071a958\" data-id=\"5071a958\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d7c4b73 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d7c4b73\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-11aee25\" data-id=\"11aee25\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a69b8b elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"7a69b8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-12c437bf elementor-widget elementor-widget-image\" data-id=\"12c437bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/i-rs.pl\/wp-content\/uploads\/elementor\/thumbs\/Zrzut-ekranu-2022-10-5-o-19.50.02-e1664992299594-pydf1f7z6cd4az13lhdtk15bf1iti7l167uaatly7k.png\" title=\"Zrzut ekranu 2022-10-5 o&nbsp;19.50.02\" alt=\"Zrzut ekranu 2022-10-5 o 19.50.02\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c8a3561 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c8a3561\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ac0b485\" data-id=\"ac0b485\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1643c7 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"d1643c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7d00c elementor-align-center elementor-tablet-align-center elementor-mobile-align-center elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"cc7d00c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl elementor-animation-float\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE4NDMiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Materia\u0142y PDF do pobrania<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a5045d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a5045d4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-726b6110\" data-id=\"726b6110\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4524aee4 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4524aee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Q<span style=\"font-family: 'times', sans-serif\">&amp;<\/span>A<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77300a61 elementor-widget elementor-widget-text-editor\" data-id=\"77300a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Najcz\u0119\u015bciej zadawane pytania.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4522d138 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4522d138\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-35aebe3a\" data-id=\"35aebe3a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2581327c elementor-widget elementor-widget-toggle\" data-id=\"2581327c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6291\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6291\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Co to jest regres ubezpieczeniowy?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6291\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6291\"><p style=\"font-weight: 400;\">Regres ubezpieczeniowy powstaje w&nbsp;sytuacji, gdy&nbsp;zak\u0142ad ubezpiecze\u0144 dokona wyp\u0142aty odszkodowania z&nbsp;tytu\u0142u umowy ubezpieczenia, a&nbsp;okoliczno\u015bci towarzysz\u0105ce wypadkowi ubezpieczeniowemu uzasadniaj\u0105 prawo \u017c\u0105dania roszczenia zwrotnego (regresu) od&nbsp;sprawcy szkody.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6292\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6292\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">W jaki spos\u00f3b firmy ubezpieczeniowe wyp\u0142acaj\u0105 odszkodowania?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6292\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6292\"><p style=\"font-weight: 400;\">Zgodnie z&nbsp;polskim prawem likwidacja szkody ma&nbsp;za&nbsp;zadanie doprowadzi\u0107 przedmiot ubezpieczenia do&nbsp;stanu sprzed szkody tak, jakby szkoda nigdy nie&nbsp;nast\u0105pi\u0142a.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6293\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6293\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy roszczenia do zak\u0142ad\u00f3w ubezpiecze\u0144 mog\u0105 si\u0119 przedawni\u0107?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6293\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6293\"><p style=\"font-weight: 400;\">Przedawnienie roszcze\u0144 mo\u017cna okre\u015bli\u0107 jako mo\u017cliwo\u015b\u0107 uchylenia si\u0119 przez&nbsp;d\u0142u\u017cnika od&nbsp;zaspokojenia roszczenia po&nbsp;up\u0142ywie okre\u015blonego prawem terminu.\u00a0 Po&nbsp;up\u0142ywie okre\u015blonego w&nbsp;ustawie terminu przedawnienia zak\u0142ad ubezpiecze\u0144 mo\u017ce wi\u0119c&nbsp;skutecznie odm\u00f3wi\u0107 wyp\u0142aty odszkodowania, r\u00f3wnie\u017c przed&nbsp;s\u0105dem.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6294\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6294\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Jakie s\u0105 rodzaje \u015bwiadcze\u0144 w ubezpieczeniach na \u017cycie?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6294\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6294\"><p style=\"font-weight: 400;\">Wiele Zak\u0142ad\u00f3w Ubezpiecze\u0144 stosuje w&nbsp;zakresie ubezpiecze\u0144 na&nbsp;\u017cycie dodatkowe klauzule, zgodnie z&nbsp;kt\u00f3rymi Uposa\u017conemu, w&nbsp;przypadku \u015bmierci Ubezpieczonego, poza \u015bwiadczeniem okre\u015blonym w&nbsp;samej umowie ubezpieczenia z&nbsp;tytu\u0142u \u015bmierci, przys\u0142uguje dodatkowe \u015bwiadczenia w&nbsp;zwi\u0105zku z&nbsp;tym, \u017ce&nbsp;\u015bmier\u0107 nast\u0105pi\u0142a w&nbsp;wyniku okoliczno\u015bci wskazanej w&nbsp;klauzuli. Przyk\u0142adem takiej klauzuli, zgodnie z&nbsp;kt\u00f3r\u0105, w&nbsp;przypadku \u015bmierci Ubezpieczonego b\u0119d\u0105cego bezpo\u015brednio nast\u0119pstwem zawa\u0142u serca lub udaru m\u00f3zgu, poza \u015bwiadczeniem podstawowym z&nbsp;tytu\u0142u \u015bmierci Ubezpieczonego, przys\u0142uguje \u015bwiadczenie dodatkowe w&nbsp;kwocie okre\u015blonej w&nbsp;umowie ubezpieczenia. Przy czym zak\u0142ady ubezpiecze\u0144 standardowo stosuj\u0105 przy tego typu klauzulach zapisy dodatkowe wskazuj\u0105ce, \u017ce&nbsp;okoliczno\u015bci te&nbsp;musz\u0105 by\u0107 pierwotn\u0105 (a&nbsp;nie&nbsp;wt\u00f3rn\u0105) przyczyn\u0105 \u015bmierci, a&nbsp;dodatkowo musz\u0105 by\u0107 potwierdzone w&nbsp;dokumentacji medycznej (np.&nbsp;karcie zgonu).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6295\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6295\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy koszt najmu pojazdu zast\u0119pczego z ubezpieczenia OC mo\u017ce przekroczy\u0107 warto\u015b\u0107 uszkodzonego pojazdu?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6295\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6295\"><p style=\"font-weight: 400;\">Odszkodowanie za&nbsp;najem pojazdu zast\u0119pczego, w&nbsp;stosunku do&nbsp;sprawcy oraz&nbsp;jego ubezpieczyciela, nale\u017cne jest ka\u017cdemu, kto na&nbsp;skutek kolizji utraci\u0142 mo\u017cliwo\u015b\u0107 korzystania z&nbsp;pojazdu, a&nbsp;jednocze\u015bnie poni\u00f3s\u0142 wydatki na&nbsp;wynajem pojazdu zast\u0119pczego. Samo unieruchomienie pojazdu uszkodzonego, nie&nbsp;\u015bwiadczy jeszcze o&nbsp;powstaniu szkody, a&nbsp;dopiero poczynienie wydatk\u00f3w w&nbsp;celu zapewnienia sobie innego pojazdu, stanowi szkod\u0119, kt\u00f3ra&nbsp;mo\u017ce podlega\u0107 kompensacji. Z&nbsp;uwagi na&nbsp;wysokie ceny takiego najmu, zacz\u0119to wynajmowa\u0107 poszkodowanym pojazdy na&nbsp;kredyt, nie&nbsp;bior\u0105c od&nbsp;nich \u017cadnej zap\u0142aty, a&nbsp;nast\u0119pnie domagaj\u0105c si\u0119 zap\u0142aty przez&nbsp;ubezpieczyciela. Dzia\u0142anie takie znalaz\u0142o szerok\u0105 aprobat\u0119 w&nbsp;orzecznictwie. Prowadzi to&nbsp;de&nbsp;facto do&nbsp;sytuacji, \u017ce&nbsp;poszkodowany mo\u017ce nawet nie&nbsp;zdawa\u0107 sobie sprawy, \u017ce&nbsp;najem jest odp\u0142atny, a&nbsp;w\u0142a\u015bciwe warunki finansowe narzuca wypo\u017cyczalnia jednostronnie ubezpieczycielowi, dopiero si\u0119 z&nbsp;nim rozliczaj\u0105c. Prowadzi to&nbsp;te\u017c do&nbsp;zaniku mechanizm\u00f3w rynkowych weryfikacji cen, bo&nbsp;poszkodowany de&nbsp;facto nigdy nie&nbsp;zap\u0142aci za&nbsp;najem, wi\u0119c&nbsp;nie&nbsp;jest zainteresowany, \u017ceby&nbsp;poszukiwa\u0107 najbardziej konkurencyjnych ofert na&nbsp;rynku.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6296\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6296\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy zak\u0142ad ubezpiecze\u0144 mo\u017ce wyst\u0119powa\u0107 w post\u0119powaniu s\u0105dowym bez profesjonalnego pe\u0142nomocnika?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6296\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6296\"><p>Oczywi\u015bcie, zak\u0142ad ubezpiecze\u0144 mo\u017ce dzia\u0142a\u0107 w&nbsp;procesie s\u0105dowym bez&nbsp;pomocy pe\u0142nomocnika. Nie&nbsp;oznacza to&nbsp;jednak, \u017ce&nbsp;powinien tak&nbsp;post\u0119powa\u0107. Jest to&nbsp;dzia\u0142anie ryzykowne, bowiem s\u0105dy wymagaj\u0105 od&nbsp;zak\u0142ad\u00f3w ubezpiecze\u0144 ponadprzeci\u0119tnej, wr\u0119cz elitarnej staranno\u015bci w&nbsp;uczestnictwie w&nbsp;procesie s\u0105dowym, z&nbsp;racji posiadanych zasob\u00f3w finansowych i&nbsp;personalnych. Cz\u0119sto nawet drobne b\u0142\u0119dy, kt\u00f3re wybacza si\u0119 konsumentom, mog\u0105 si\u0119 wi\u0105za\u0107 z&nbsp;powa\u017cnymi skutkami dla zak\u0142adu ubezpiecze\u0144. Ponadto, dzia\u0142anie przez&nbsp;profesjonalnego pe\u0142nomocnika jest pewnym wyrazem statusu i&nbsp;stabilno\u015bci finansowej zak\u0142adu ubezpiecze\u0144 \u2013 wyst\u0119powanie bez&nbsp;pe\u0142nomocnika mo\u017ce negatywnie wp\u0142ywa\u0107 na&nbsp;presti\u017c marki.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6297\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6297\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy zak\u0142ad ubezpiecze\u0144 potrzebuje pe\u0142nomocnika do zwalczania przest\u0119pczo\u015bci ubezpieczeniowej?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6297\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6297\"><p class=\"western\">Przest\u0119pczo\u015b\u0107 ubezpieczeniowa jest zjawiskiem, kt\u00f3re w&nbsp;mniejszym albo&nbsp;wi\u0119kszym zakresie zawsze towarzyszy dzia\u0142alno\u015bci zak\u0142ad\u00f3w ubezpiecze\u0144. Jego zwalczanie jest konieczne, nie&nbsp;tylko&nbsp;w&nbsp;celu dbania o&nbsp;wyniki finansowe, ale&nbsp;tak\u017ce z&nbsp;racji potencjalnego odstraszania od&nbsp;tego typu zachowa\u0144 oraz&nbsp;dawania wyrazu organom \u015bcigania co&nbsp;do&nbsp;skali zjawiska. Podstawow\u0105 drog\u0105 do&nbsp;\u015bcigania os\u00f3b dopuszczaj\u0105cych si\u0119 nadu\u017cy\u0107 przeciw zak\u0142adom ubezpiecze\u0144, jest droga post\u0119powania karnego. W\u0142a\u015bciwe przygotowanie zawiadomienia o&nbsp;pope\u0142nieniu przest\u0119pstwa, z&nbsp;odpowiednim przygotowaniem materia\u0142u dowodowego we&nbsp;wsp\u00f3\u0142pracy z&nbsp;profesjonalnym pe\u0142nomocnikiem, jest kluczem do&nbsp;zwi\u0119kszenia szans na&nbsp;\u015bciganie os\u00f3b odpowiedzialnych. Jednocze\u015bnie, ustalenia wydanego w&nbsp;post\u0119powaniu karnym wyroku skazuj\u0105cego, s\u0105&nbsp;kluczowe w&nbsp;ewentualnym sporze przed&nbsp;s\u0105dem cywilnym.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6298\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6298\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy zak\u0142ad ubezpiecze\u0144 potrzebuje sta\u0142ej obs\u0142ugi prawnej s\u0105dowej?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6298\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6298\"><p>Sta\u0142ym elementem dzia\u0142ania ka\u017cdego zak\u0142adu ubezpiecze\u0144 jest toczenie spor\u00f3w s\u0105dowych. Zasadniczo, jest to&nbsp;wpisane w&nbsp;ten rodzaj dzia\u0142alno\u015bci. Osoba wyst\u0119puj\u0105ca z&nbsp;roszczeniem, niezadowolona ze&nbsp;stanowiska ubezpieczyciela, kt\u00f3ry&nbsp;odmawia przyj\u0119cia odpowiedzialno\u015bci albo&nbsp;ogranicza swoj\u0105 odpowiedzialno\u015b\u0107, ma&nbsp;mo\u017cliwo\u015b\u0107 dochodzenia swoich roszcze\u0144 wy\u0142\u0105cznie na&nbsp;drodze post\u0119powania s\u0105dowego, cywilnego, o&nbsp;czym jest informowana przez&nbsp;zak\u0142ad ubezpiecze\u0144. Do\u015bwiadczenie uczy, \u017ce&nbsp;skala ilo\u015bci tych spraw, w&nbsp;przypadku najwi\u0119kszych ubezpieczycieli, jest ogromna. Sprawy ubezpieczeniowe, to&nbsp;jedne z&nbsp;najcz\u0119stszych spraw, jakie rozpoznaj\u0105 s\u0105dy. Rodzaj problem\u00f3w, kt\u00f3rych&nbsp;te&nbsp;sprawy dotycz\u0105, jest r\u00f3wnie\u017c bardzo r\u00f3\u017cnorodny. Celowe jest zatem korzystanie z&nbsp;dyspozycyjnej, wyspecjalizowanej, eksperckiej, sta\u0142ej i&nbsp;do\u015bwiadczonej obs\u0142ugi prawnej.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6299\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6299\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy zak\u0142ad ubezpiecze\u0144 powinien korzysta\u0107 z konsultacji profesjonalnego pe\u0142nomocnika przy kszta\u0142towaniu produkt\u00f3w ubezpieczeniowych?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6299\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6299\"><p>Podstaw\u0105 zarobkowania przez&nbsp;zak\u0142ady ubezpiecze\u0144 jest dystrybucja produkt\u00f3w ubezpieczeniowych. Praktyka dowodzi, \u017ce&nbsp;najcz\u0119\u015bciej umowy ubezpieczenia s\u0105&nbsp;umowami skomplikowanymi, wielow\u0105tkowymi, zawieraj\u0105cymi regu\u0142y og\u00f3lne, wyj\u0105tki od&nbsp;tych regu\u0142, a&nbsp;czasem wyj\u0105tki od&nbsp;wyj\u0105tk\u00f3w. Jest to&nbsp;spowodowane tym, \u017ceby&nbsp;dopasowa\u0107 wysoko\u015b\u0107 sk\u0142adki, do&nbsp;zakresu ryzyka ubezpieczeniowego, tak, \u017ceby&nbsp;dostarczy\u0107 potencjalnemu kontrahentowi produkt, dopasowany do&nbsp;jego oczekiwa\u0144 \u2013 zapewniaj\u0105cy ochron\u0119 od&nbsp;oczekiwanego ryzyka, za&nbsp;przyst\u0119pn\u0105 sk\u0142adk\u0105. Podstaw\u0105 szczeg\u00f3\u0142owych warunk\u00f3w ubezpieczenia najcz\u0119\u015bciej s\u0105&nbsp;og\u00f3lne warunki ubezpieczenia na&nbsp;wzorcu umownym, czy&nbsp;inne podobne dokumenty. Ich dok\u0142adna, jasna, zgodna z&nbsp;prawem redakcja jest koniecznym warunkiem ich uwzgl\u0119dnienia w&nbsp;sprawie s\u0105dowej i&nbsp;uznania ich za&nbsp;skuteczne i&nbsp;wi\u0105\u017c\u0105ce. Zgodnie z&nbsp;obowi\u0105zuj\u0105cymi przepisami, wszelkie niejasno\u015bci rozstrzygane s\u0105&nbsp;na&nbsp;niekorzy\u015b\u0107 zak\u0142adu ubezpiecze\u0144, a&nbsp;ponadto je\u017celi dane postanowienie uznane zostanie za&nbsp;abuzywne, to&nbsp;nie&nbsp;b\u0119dzie wi\u0105za\u0107 kontrahenta, co&nbsp;mo\u017ce mie\u0107 ogromny wp\u0142yw na&nbsp;odpowiedzialno\u015b\u0107 finansow\u0105 zak\u0142adu ubezpiecze\u0144, a&nbsp;tym samym rentowno\u015b\u0107 produktu. Celowym jest zatem konsultowanie ka\u017cdorazowo przygotowywanych dokument\u00f3w i&nbsp;produkt\u00f3w, tak, \u017ceby&nbsp;wykluczy\u0107 mo\u017cliwo\u015b\u0107 uksztaltowania przez&nbsp;s\u0105d tre\u015bci stosunku prawnego ubezpieczenia mi\u0119dzy stronami odmiennie od&nbsp;wyobra\u017cenia zak\u0142adu ubezpiecze\u0144 w&nbsp;tym przedmiocie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-62910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-62910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Czy zak\u0142ad ubezpiecze\u0144 mo\u017ce aktywnie wsp\u00f3\u0142dzia\u0142a\u0107 z pe\u0142nomocnikiem w procesie s\u0105dowym?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-62910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-62910\"><p>Tak, jest to&nbsp;nie&nbsp;tylko&nbsp;mo\u017cliwe, ale&nbsp;nawet wskazane. Fakt, \u017ce&nbsp;profesjonalny pe\u0142nomocnik prowadzi spraw\u0119 s\u0105dow\u0105 jako pe\u0142nomocnik zak\u0142adu ubezpiecze\u0144, nie&nbsp;oznacza, \u017ce&nbsp;udzia\u0142 samego zainteresowanego musi by\u0107 limitowany, ograniczony. Do\u015bwiadczenie uczy, ze&nbsp;optymalnym rozwi\u0105zaniem jest, kiedy pe\u0142nomocnik i&nbsp;zak\u0142ad ubezpiecze\u0144 wsp\u00f3\u0142pracuj\u0105, w&nbsp;celu analizy konkretnych dowod\u00f3w i&nbsp;taktyki procesowej. W&nbsp;szczeg\u00f3lno\u015bci u\u017cyteczne mo\u017ce by\u0107 korzystanie w&nbsp;ramach procesu s\u0105dowego z&nbsp;pomocy likwidator\u00f3w technicznych, kt\u00f3rzy&nbsp;w&nbsp;spos\u00f3b ekspercki polemizowa\u0107 mog\u0105 z&nbsp;niekorzystnymi opiniami bieg\u0142ych s\u0105dowych.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3644f7e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3644f7e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d769f15\" data-id=\"d769f15\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-710d4de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"710d4de\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-128f427\" data-id=\"128f427\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ec5ae69 h-100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec5ae69\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3f02a58\" data-id=\"3f02a58\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f7e633 elementor-widget elementor-widget-heading\" data-id=\"4f7e633\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Napisz do nas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d67e0d elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"1d67e0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;button_width&quot;:&quot;50&quot;,&quot;step_next_label&quot;:&quot;Nast\\u0119pny&quot;,&quot;step_previous_label&quot;:&quot;Poprzedni&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nowy formularz\" aria-label=\"Nowy formularz\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1546\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"1d67e0d\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Obs\u0142uga prawna zak\u0142ad\u00f3w ubezpiecze\u0144\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"1546\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tImi\u0119 i nazwisko\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Imi\u0119 i nazwisko\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"E-mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTre\u015b\u0107 wiadomo\u015bci\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"2\" placeholder=\"Tre\u015b\u0107 wiadomo\u015bci\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_c0a9ed4 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_c0a9ed4]\" id=\"form-field-field_c0a9ed4\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-field_c0a9ed4\">Akceptuj\u0119 klauzul\u0119 RODO i polityk\u0119 prywatno\u015bci<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_109ee0f elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_109ee0f\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LcSXj0jAAAAAF7UamaIxyfsdk2RA19eehbx5FH3\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-50 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Wy\u015blij<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5015757\" data-id=\"5015757\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6354fd8 h-100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6354fd8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-24fb642\" data-id=\"24fb642\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba83ddf elementor-widget elementor-widget-heading\" data-id=\"ba83ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Skontaktuj si\u0119 z nami i dowiedz si\u0119 wi\u0119cej:\u200b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abb76e6 elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"abb76e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMicha\u0142 Szymankiewicz\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRadca prawny\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd34a19 elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dd34a19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"tel:+48%2022%20251%2064%2061\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Telefon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:+48%2022%20251%2064%2061\" >\n\t\t\t\t\t\t\tTelefon\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t+48 22 251 64 61 wew. 144\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-821503e elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"821503e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div 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data-id=\"4672303\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/micha%C5%82-szymankiewicz-1a20a3168\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Linkedin\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/micha%C5%82-szymankiewicz-1a20a3168\/\" >\n\t\t\t\t\t\t\tLinkedin\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tProfil na Linkedin\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f4fb50e\" data-id=\"f4fb50e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2430d51 elementor-widget elementor-widget-spacer\" data-id=\"2430d51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Obs\u0142uga prawna zak\u0142ad\u00f3w ubezpiecze\u0144 Ubezpieczenia Kancelaria Radc\u00f3w Prawnych Ryszewski, Szubierajski zosta\u0142a za\u0142o\u017cona przez radc\u00f3w prawnych wywodz\u0105cych si\u0119 z bran\u017cy ubezpieczeniowej i posiadaj\u0105cych bogate do\u015bwiadczenie w obs\u0142udze najwi\u0119kszych tego typu podmiot\u00f3w na polskim rynku. Kancelaria obs\u0142uguje wiod\u0105ce zak\u0142ady ubezpiecze\u0144 w zakresie spraw zar\u00f3wno biernych (gdzie Zak\u0142ad Ubezpiecze\u0144 jest stron\u0105 pozwan\u0105) jak i czynnych,\u00a0 w post\u0119powaniach regresowych [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1546","page","type-page","status-publish","hentry","entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/pages\/1546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/comments?post=1546"}],"version-history":[{"count":113,"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/pages\/1546\/revisions"}],"predecessor-version":[{"id":4909,"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/pages\/1546\/revisions\/4909"}],"wp:attachment":[{"href":"https:\/\/i-rs.pl\/en\/wp-json\/wp\/v2\/media?parent=1546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}