{"id":919,"date":"2024-06-27T21:28:55","date_gmt":"2024-06-27T21:28:55","guid":{"rendered":"http:\/\/turiuzala.test\/valstybinio-turto-draudimas\/"},"modified":"2024-06-27T21:28:55","modified_gmt":"2024-06-27T21:28:55","slug":"valstybinio-turto-draudimas","status":"publish","type":"post","link":"https:\/\/turiuzala.lt\/en\/valstybinio-turto-draudimas\/","title":{"rendered":"Valstybinio turto draudimas: skepti\u0161kas \u017evilgsnis \u012f mokes\u010di\u0173 mok\u0117toj\u0173 pinig\u0173 valdym\u0105"},"content":{"rendered":"\n<p>\u012evykusi nelaim\u0117 Medinink\u0173 pasienio punkte i\u0161k\u0117l\u0117 esmin\u012f klausim\u0105 apie valstybinio turto draudimo svarb\u0105. \u0160is \u012fvykis \u012frod\u0117, kad neapdraustas valstybinis turtas gali sukelti didelius finansinius nuostolius, kuriuos galiausiai padengia mokes\u010di\u0173 mok\u0117tojai. Ar neefektyvus visuomen\u0117s l\u0117\u0161\u0173 naudojimas gali b\u016bti pateisinamas, turint omenyje, kad draudimo polisas gal\u0117t\u0173 pad\u0117ti i\u0161vengti de\u0161imtis ar net \u0161imtus t\u016bkstan\u010di\u0173 eur\u0173 nuostoli\u0173?<\/p>\n\n\n\n<p><strong>Neefektyvus visuomen\u0117s l\u0117\u0161\u0173 naudojimas<\/strong><\/p>\n\n\n\n<p>Prie\u0161 daugiau nei m\u0117nes\u012f \u012fvykusi nelaim\u0117 Medinink\u0173 pasienio punkte, kur liepsnojo angaras, i\u0161k\u0117l\u0117 vie\u0161\u0105 situacij\u0105 ir diskusij\u0105 apie valstybinio turto draudimo svarb\u0105. \u0160is angaras, deja, netur\u0117jo draudimo, tad atne\u0161\u0117 didel\u0119 materialin\u0119 \u017eal\u0105 valstybei. Tokio pastato draudimo polisas b\u016bt\u0173 kainav\u0119s kur kas pigiau, nei atk\u016brimas po gaisro, tod\u0117l tai tapo pavyzd\u017eiu, kaip neapgalvotas mokes\u010di\u0173 mok\u0117toj\u0173 pinig\u0173 valdymas gali atne\u0161ti didelius nuostolius ir sukelti daug nereikaling\u0173 r\u016bpes\u010di\u0173. \u201e<a href=\"https:\/\/turiuzala.lt\/en\/\">Turiu\u017dal\u0105.lt<\/a>\u201c vadovas, draudimin\u0117s turto \u017ealos ekspertas Vytautas Binkauskas daro prielaid\u0105: \u201eGalima tik sp\u0117ti, kad draudimo polisas tokiam pastatui b\u016bt\u0173 kainav\u0119s apie 3-5 t\u016bkst. eur\u0173, tuo tarpu pastato atstatymo i\u0161laidos po nelaim\u0117s gal\u0117jo siekti ir milijon\u0105.\u201c<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/turiuzala.lt\/app\/uploads\/2024\/03\/image00006-1024x731.jpeg\" alt=\"\" class=\"wp-image-566\" style=\"width:842px;height:600px\"\/><\/figure>\n\n\n\n<p><em>Vytautas Binkauskas, \u201e<a href=\"https:\/\/turiuzala.lt\/en\/\">Turiu\u017dal\u0105.lt<\/a>\u201c vadovas<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Pana\u0161i situacija buvo \u012fvykusi ir 2023-aisiais, lapkrit\u012f, Vilniuje. <a href=\"https:\/\/turiuzala.lt\/en\/seneliu-namu-atkurimas\/\">Seneli\u0173 namuose \u201eSenevita\u201c<\/a> \u012fvyko dramati\u0161kas ir auk\u0173 pareikalav\u0119s gaisras. Senoli\u0173 namai taip pat nebuvo apdrausti. Draudimin\u0117s turto \u017ealos ekspertas Vytautas Binkauskas dalinasi asmenine patirtimi atkuriant degusius seneli\u0173 namus: \u201eRemonto ir atstatymo i\u0161laidos atkuriant seneli\u0173 namus buvo padengtos i\u0161 valstyb\u0117s biud\u017eeto. Draudimo metinis polisas tokiam pastatui b\u016bt\u0173 kainav\u0119s apie kelis t\u016bkstan\u010dius eur\u0173. Tuo tarpu pilnas pastato atstatymas m\u016bs\u0173 vertinim\u0173 gal\u0117jo kainuoti apie 100 t\u016bkst. eur\u0173, kas yra gerokai brangiau, lyginant su metinio draudimo poliso ka\u0161tais.\u201c&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Draudimo svarba ir galimyb\u0117s<\/strong><\/p>\n\n\n\n<p>Valstyb\u0117s biud\u017eetas d\u0117l neatsakingo po\u017ei\u016brio patiria mil\u017eini\u0161kus nuostolius. Min\u0117ti \u012fvykiai ver\u010dia susim\u0105styti, kod\u0117l tokios situacijos apskritai yra \u012fmanomos? Ar tai \u2013 rizik\u0173 \u012fvertinimo stoka, biud\u017eeto plane nenumatomos l\u0117\u0161os vie\u0161\u0173j\u0173 pastat\u0173 draudimui, o galb\u016bt \u017eini\u0173 tr\u016bkumas apie draudimo svarb\u0105 ir naud\u0105?<\/p>\n\n\n\n<p>Nor\u0117dami i\u0161vengti pana\u0161i\u0173 situacij\u0173 ateityje, tur\u0117tume kelti s\u0105moningum\u0105 apie turto draudimo svarb\u0105. Valstybini\u0173 institucij\u0173 sprendimas drausti ar nedrausti savo turt\u0105 tur\u0117t\u0173 b\u016bti priimamas remiantis racionaliu m\u0105stymu ir ilgalaikio efektyvumo principais. Tai leist\u0173 sutaupyti vie\u0161\u0105sias l\u0117\u0161as, u\u017etikrinti didesn\u012f pasitik\u0117jim\u0105 valstyb\u0117s institucijomis, o galiausiai, valstyb\u0117s pavyzdys b\u016bt\u0173 puikus paskatinimas ir edukacija Lietuvos pilie\u010diams, kad b\u016bsto draudimas \u2013 b\u016btinas kiekvienam nekilnojamam turtui.<br>\u201e<a href=\"https:\/\/turiuzala.lt\/en\/\">Turiu\u017dal\u0105.lt<\/a>\u201c vadovas Vytautas Binkauskas dalinasi apie galimyb\u0119 tobulinti valstyb\u0117s NT objekt\u0173 valdym\u0105 skatinant institucijas apdrausti j\u0173 valdom\u0105 turt\u0105, \u201ekad ateityje ne tik sutaupytum\u0117me, bet ir u\u017etikrintum\u0117me vis\u0173 m\u016bs\u0173 saugum\u0105.\u201c Nelaimi\u0173 pavyzd\u017eiai skatina pasimokyti i\u0161 klaid\u0173 ir perm\u0105styti valstyb\u0117s turto valdymo politik\u0105, biud\u017eeto planavim\u0105 ir imtis veiksm\u0173, kurie u\u017ekirst\u0173 keli\u0105 pana\u0161ioms situacijoms ateityje.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u012evykusi nelaim\u0117 Medinink\u0173 pasienio punkte i\u0161k\u0117l\u0117 esmin\u012f klausim\u0105 apie valstybinio turto draudimo svarb\u0105. \u0160is \u012fvykis \u012frod\u0117, kad neapdraustas valstybinis turtas gali sukelti didelius finansinius nuostolius, kuriuos galiausiai padengia mokes\u010di\u0173 mok\u0117tojai. Ar neefektyvus visuomen\u0117s l\u0117\u0161\u0173 naudojimas gali b\u016bti pateisinamas, turint omenyje, kad draudimo polisas gal\u0117t\u0173 pad\u0117ti i\u0161vengti de\u0161imtis ar net \u0161imtus t\u016bkstan\u010di\u0173 eur\u0173 nuostoli\u0173? Neefektyvus visuomen\u0117s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":893,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Valstybini\u0173 NT objekt\u0173 draudimas | Turiu\u017dal\u0105.lt<\/title>\n<meta name=\"description\" content=\"Draudimin\u0117s turto \u017ealos eksperto V. 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Binkausko skepti\u0161kas \u017evilgsnis \u012f mokes\u010di\u0173 mok\u0117toj\u0173 pinig\u0173 valdym\u0105. Lyginame draudimo poliso ka\u0161tus ir turto atk\u016brimo s\u0105mat\u0105.","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:\/\/turiuzala.lt\/en\/valstybinio-turto-draudimas\/","og_locale":"en_US","og_type":"article","og_title":"Valstybini\u0173 NT objekt\u0173 draudimas | Turiu\u017dal\u0105.lt","og_description":"Draudimin\u0117s turto \u017ealos eksperto V. Binkausko skepti\u0161kas \u017evilgsnis \u012f mokes\u010di\u0173 mok\u0117toj\u0173 pinig\u0173 valdym\u0105. 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