{"id":31489,"date":"2023-11-05T21:30:54","date_gmt":"2023-11-05T19:30:54","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=31489"},"modified":"2026-01-15T15:33:37","modified_gmt":"2026-01-15T13:33:37","slug":"ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/","title":{"rendered":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?"},"content":{"rendered":"<p><strong>Da\u017eniausiai asmenys, apsidraud\u017eiantys draudimo kompanijoje, atid\u017eiai neperskaito draudimo taisykli\u0173, kuriose numatytos draudimo rizik\u0105 ir draudiko atsakomyb\u0119 ribojan\u010dios s\u0105lygos. Draud\u0117jas da\u017eniausiai apie \u0161ias s\u0105lygas su\u017eino tik jau kilus \u012fvykiui, kuris, pagal draudimo taisykles, n\u0117ra laikomas draud\u017eiamuoju.<br \/>\n<\/strong><\/p>\n<p>Tokiu atveju draud\u0117jui vis tiek reik\u0117t\u0173 apsvarstyti galimyb\u0119 kreiptis \u012f teism\u0105 d\u0117l draudimo i\u0161mokos priteisimo, pra\u0161ant nepalankias draudimo sutarties s\u0105lygas pripa\u017einti negaliojan\u010diomis. Kaip tokiu atveju elgtis draud\u0117jui, siekian\u010diam gauti draudimo i\u0161mok\u0105, ir k\u0105 daryti kitai pusei, kad draudimo taisykli\u0173 nuostatos, kilus gin\u010dui, teismo neb\u016bt\u0173 pripa\u017eintos negaliojan\u010diomis?<\/p>\n<p><strong>Teismai gina vartotojus<\/strong><\/p>\n<p>I\u0161 ties\u0173, teis\u0117s aktai ir teism\u0173 praktika yra palanki draudimo i\u0161mokos reikalaujan\u010diam asmeniui, o draudimo kompanija da\u017eniausiai yra \u012fpareigojama i\u0161mok\u0117ti draudimo i\u0161mok\u0105. Apsidraud\u0119s vartotojas, b\u016bdamas silpnesnioji sutarties \u0161alis, d\u0117l informacijos, patirties, speciali\u0173 \u017eini\u0173 stokos, turi ribotas galimybes tinkamai \u012fgyvendinti savo interes\u0173 apsaug\u0105 ir keisti sutarties s\u0105lygas. Da\u017enai jis gali tik rinktis \u2013 arba pasira\u0161yti jam si\u016blom\u0105 sutart\u012f, arba jos atsisakyti. D\u0117l \u0161i\u0173 prie\u017eas\u010di\u0173 teis\u0117s akt\u0173 leid\u0117jas bei teismai, vertina, kaddraudimo kompanijos turiprana\u0161um\u0105 prie\u0161 vartotoj\u0105 ir gina vartotojus nuo nes\u0105\u017eining\u0173 s\u0105lyg\u0173 draudimo sutartyse.<\/p>\n<p>Reik\u0117t\u0173 atkreipti d\u0117mes\u012f, kad teismai nes\u0105\u017einingumo aspektu vertina tik individuliai su vartotoju neaptartas draudimo sutarties s\u0105lygas. Draudiminiai ir nedraudiminiai \u012fvykiai paprastai nurodomi draudimo taisykl\u0117se, kurios yra standartin\u0117s draudimo sutarties s\u0105lygos ir da\u017eniausiai individualiai neaptariamos su sutart\u012f sudaran\u010diu asmeniu. \u0160ias s\u0105lygas teismas savo iniciatyva turi vertinti nes\u0105\u017einingumo aspektu, net jei asmuo tokio reikalavimo byloje neparei\u0161kia. Teismui konstatavus nes\u0105\u017einingumo fakt\u0105, \u0161ios s\u0105lygos pripa\u017e\u012fstamos negaliojan\u010diomis. Tai rei\u0161kia, kad vartotojui bus pripa\u017einta teis\u0117 \u012f draudimo i\u0161mok\u0105, net jei draudimo taisykl\u0117se numatyta, kad tam tikra situacija yra nedraudiminis \u012fvykis.<\/p>\n<p><strong>Kada s\u0105lygos vertinamos kaip nes\u0105\u017einingos<\/strong><\/p>\n<p>Draudimo sutarties s\u0105lyga laikoma nes\u0105\u017eininga, kai d\u0117l jos atsiranda ry\u0161kus neatitikimas tarp sutarties \u0161ali\u0173 teisi\u0173 ir pareig\u0173 besidraud\u017eian\u010diojo vartotojo nenaudai. \u0160ioje situacijoje ai\u0161ki\u0173 vertinimo kriterij\u0173 n\u0117ra, bet vis d\u0117lto, teism\u0173 praktikoje nurodoma, kad vertinant vartojimo sutartis nes\u0105\u017einingumo aspektu, pirmiausiai, turi b\u016bti pabr\u0117\u017eiamas j\u0173 skaidrumas &#8211; sutarties s\u0105lygos turi b\u016bti ai\u0161kios ir suprantamos visiems besidraud\u017eiantiems asmenims, jiems turi b\u016bti pateikiama visa sutar\u010diai sudaryti reik\u0161minga informacija.<\/p>\n<p>Teis\u0117s aktai \u0161iek tiek palankesni draudimo kompanijai tik tuo atveju, kai gin\u010das kyla d\u0117l sutarties s\u0105lyg\u0173, kurios apibr\u0117\u017eia pagrindin\u012f sutarties dalyk\u0105, t.y. d\u0117l esmini\u0173 sutarties s\u0105lyg\u0173. Prie toki\u0173 s\u0105lyg\u0173 yra priskiriamos draudimo sutarties s\u0105lygos, apibr\u0117\u017eian\u010dios draud\u017eiam\u0105 rizik\u0105 ir draudiko atsakomyb\u0119. Jos n\u0117ra vertinamos nes\u0105\u017einingumo aspektu tuo atveju, jei yra suformuluotos ai\u0161kiai ir suprantamai.<\/p>\n<p><strong>Draudimo kompanijos gali i\u0161vengti<\/strong><\/p>\n<p>Draudimo kompanijos tur\u0117t\u0173 ai\u0161kiai ir suprantamai apibr\u0117\u017eti draudimo sutarties s\u0105lygas. Tai rei\u0161kia, kad sutar\u010di\u0173 s\u0105lygos turi b\u016bti paruo\u0161tos suprantamai, nedviprasmi\u0161kai, ai\u0161kiai ir tiksliai, taip, kad bet koks apsidrausti norintis asmuo geb\u0117t\u0173 suprasti j\u0173 tikr\u0105j\u0105 prasm\u0119. Kasacinio teismo praktika \u0161iuo klausimu n\u0117ra gausi, ta\u010diau galima pamin\u0117ti kelet\u0105 teism\u0173 praktikos pavyd\u017ei\u0173, kai standartin\u0117s draudimo sutarties s\u0105lygos buvo pripa\u017eintos neai\u0161kiomis bei prie\u0161taringomis.<\/p>\n<p>Pavyzd\u017eiui, transporto priemon\u0117s kasko (su vagyste) draudimo taisykl\u0117se draudiminiais \u012fvykiais buvo pripa\u017einti automobilio vagyst\u0117 ir pl\u0117\u0161imas, apibr\u0117\u017eiant \u0161ias s\u0105vokas taip, kaip jos yra apibr\u0117\u017etos Baud\u017eiamajame kodekse. Ta\u010diau tose pa\u010diose taisykl\u0117se buvo nurodoma, kad apdrausto turto praradimas, kai transporto priemon\u0117 savininko leidimu buvo perduota naudotis kitiems asmenims, d\u0117l \u0161i\u0173 asmen\u0173 neteis\u0117t\u0173 veiksm\u0173, n\u0117ra draud\u017eiamasis \u012fvykis (\u0161ioje byloje automobil\u012f pasisavino j\u012f i\u0161sinuomoj\u0119s asmuo). Teismas \u0161i\u0105 taisykl\u0119 vertino kaip neai\u0161ki\u0105, tod\u0117l automobilio pasisavinimas j\u012f i\u0161sinuomojusio asmens buvo pripa\u017eintas draudiminiu \u012fvykiu. Kasacinis teismas nurod\u0117, kad draudiminis \u012fvykis, vadinamas vagyste, turi b\u016bti ai\u0161kinamas taip, kaip vagyst\u0119 suvokt\u0173 bet koks asmuo, o ne taip, kaip \u0161i s\u0105voka ai\u0161kinama Baud\u017eiamajame kodekse.<\/p>\n<p>Kitoje byloje, pagal transporto priemon\u0117s kasko draudimo taisykles draudiminiu \u012fvykiu buvo pripa\u017e\u012fstamas gaisras, ta\u010diau transporto priemon\u0117s kasko draudimas neap\u0117m\u0117 \u017ealos, kuri atsirado d\u0117l gedim\u0173 pa\u010dioje transporto priemon\u0117je j\u0105 eksploatuojant. Tod\u0117l gaisras, kil\u0119s d\u0117l gedim\u0173 pa\u010dioje transporto priemon\u0117je j\u0105 eksploatuojant, draudimo kompanijos buvo pripa\u017eintas nedraudiminiu \u012fvykiu. Pasak teismo, tai paneig\u0117 pa\u010di\u0105 turto draudimo sutarties esm\u0119, tod\u0117l nurodytas draudimo sutarties s\u0105lygas teismas laik\u0117 prie\u0161taringomis ir tarpusavyje nesuderinamomis, o apsidraudusiam asmeniui buvo pripa\u017einta teis\u0117 \u012f draudimo i\u0161mokos gavim\u0105.<\/p>\n<p><strong>Tinkama informacija<\/strong><\/p>\n<p>Vis d\u0117lto draudimo kompanijos tur\u0117t\u0173 ne tik ai\u0161kiai ir suprantamai suformuluoti draudimo sutarties s\u0105lygas, bet su jomis tinkami supa\u017eindinti besidraud\u017eiant\u012f asmen\u012f, suteikiant galimyb\u0119 jam \u012fvertinti, kokie ekonominiai padariniai gali kilti i\u0161 draudimo sutarties.<\/p>\n<p>\u0160i\u0105 informavimo pareig\u0105 draudimo kompanijoms gali b\u016bti nelengva \u012fgyvendinti. Naujausioje teism\u0173 praktikoje yra sugrie\u017etintas informavimo reikalavimas, nurodant, kad standartin\u0117 s\u0105lyga draudimo liudijime, kuria vartotojas patvirtina, kad prie\u0161 sudarant draudimo sutart\u012f su draudimo taisykl\u0117mis buvo supa\u017eindintas ir j\u0173 kopij\u0105 gavo, dar nerei\u0161kia, kad draudikas tinkamai \u012fvykd\u0117 informavimo pareig\u0105.<\/p>\n<p>Teis\u0117j\u0173 kolegijos po\u017ei\u016briu, tinkamu informavimu tur\u0117t\u0173 b\u016bti laikoma situacija, kai vartotojui suteikiama galimyb\u0117 atitinkamai keisti draudimo sutarties s\u0105lygas. Tod\u0117l \u0161iuo metu \u017eemesn\u0117s instancijos teismas yra \u012fpareigotas \u0161ioje byloje \u012fvertinti draudimo taisykli\u0173 s\u0105lyg\u0105, nustatan\u010di\u0105, kad transporto priemon\u0117s vagyst\u0117, jeigu \u0161ioje transporto priemon\u0117je buvo palikti transporto priemon\u0117s dokumentai, yra nedraudiminis \u012fvykis. Sunku spr\u0119sti, ar \u017eemesn\u0117s instancijos teismas \u0161i\u0105 s\u0105lyg\u0105 palaikys nes\u0105\u017eininga. Atsi\u017evelgiant \u012f tai, kad vienas i\u0161 s\u0105\u017einingumo aspekt\u0173 yra skaidrios s\u0105lygos, galima manyti, kad bylos rezultatas gali b\u016bti nepalankus draudimo kompanijai.<\/p>\n<p><strong>Teismai taip pat gina ir juridinius asmenis<\/strong><\/p>\n<p>Teism\u0173 praktikoje gausu pavyzd\u017ei\u0173, kai draudimo sutarties s\u0105lygos, numatan\u010dios draudiko atsakomyb\u0117s ribojim\u0105, yra netaikomos, tod\u0117l draudimo i\u0161moka juridiniams asmenims priteisiama, net kai draudimo taisykl\u0117se susiklos\u010diusi situacija apibr\u0117\u017eiama kaip nedraudiminis \u012fvykis. Tokia praktika \u017eenkliai gausesne negu vartojimo draudimo sutar\u010di\u0173 srityje.<\/p>\n<p>Draudimo sutar\u010di\u0173, sudaryt\u0173 su juridiniais asmenimis, taisykles teismai vertina kaip standartines sutarties s\u0105lygas, tod\u0117l neai\u0161kias ar nevisi\u0161kai ai\u0161kias j\u0173 s\u0105lygas ai\u0161kina draud\u0117jo naudai.<\/p>\n<p>Remiantis \u0161iuo metu formuojama teism\u0173 praktika, draudimo kompanijos, siekian\u010dios i\u0161vengti draudimo s\u0105lyg\u0173 pripa\u017einimo nes\u0105\u017einingomis ir negaliojan\u010diomis, turi jas suformuluoti ai\u0161kiai ir suprantamai, vengti s\u0105lyg\u0173 prie\u0161taravimo viena kitai. Be to, turi jas individualiai aptarti su sutart\u012f sudaran\u010diu asmeniui, sudaryti galimyb\u0119 kitai \u0161aliai, ypatingai vartotojui, susitarti d\u0117l kitos, nei nustatyta draudimo taisykl\u0117se, draudimo apsaugos apimties.<\/p>\n<p>Pavyzd\u017eiui, pateikti kelis standartini\u0173 sutarties s\u0105lyg\u0173 variantus, kuriuose, atsi\u017evelgiant \u012f nustatytas draudimo apsaugos ribas, b\u016bt\u0173 modifikuotas vartotojo mokamas \u012fmokos dydis arba suteikti vartotojui galimyb\u0119 pakeisti \u0161ias standartines sutarties s\u0105lygas, atitinkamai modifikuojant draudimo \u012fmokos dyd\u012f.<\/p>\n<p>Draud\u0117jams rekomenduojama, negavus draudimo i\u0161mokos, \u201enenuleisti rank\u0173\u201c, o \u012fvertinti, ar n\u0117ra pagrind\u0173 draudimo sutarties s\u0105lyg\u0105, numatan\u010di\u0105, kad susiklos\u010diusi situacija yra nedraudiminis \u012fvykis, pripa\u017einti negaliojan\u010dia ar ai\u0161kinti j\u0105 sau palankia prasme.<\/p>\n<p><strong>Komentaro autor\u0117 \u2013 <a href=\"https:\/\/cobalt.legal\/lt\/komanda\/evelina-liutkute\">Evelina Liutkut\u0117<\/a>,\u00a0advokat\u0173 kontoros \u201eCobalt\u201c asocijuota teisinink\u0117<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Da\u017eniausiai asmenys, apsidraud\u017eiantys draudimo kompanijoje, atid\u017eiai neperskaito draudimo taisykli\u0173, kuriose numatytos draudimo rizik\u0105 ir draudiko atsakomyb\u0119 ribojan\u010dios s\u0105lygos. Draud\u0117jas da\u017eniausiai apie \u0161ias s\u0105lygas su\u017eino tik jau kilus \u012fvykiui, kuris, pagal draudimo taisykles, n\u0117ra laikomas draud\u017eiamuoju. Tokiu atveju draud\u0117jui vis tiek..<\/p>\n","protected":false},"author":6,"featured_media":49165,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-31489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT<\/title>\n<meta name=\"description\" content=\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT\" \/>\n<meta property=\"og:description\" content=\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/\" \/>\n<meta property=\"og:site_name\" content=\"COBALT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CobaltLegal\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-05T19:30:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-15T13:33:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ilze Augstkalne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ilze Augstkalne\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/\"},\"author\":{\"name\":\"Ilze Augstkalne\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/person\\\/a96c052a2eba55b2f6b995c69436c3aa\"},\"headline\":\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?\",\"datePublished\":\"2023-11-05T19:30:54+00:00\",\"dateModified\":\"2026-01-15T13:33:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/\"},\"wordCount\":1230,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/office-building-19.jpg\",\"articleSection\":[\"Uncategorized @lt\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/\",\"name\":\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/office-building-19.jpg\",\"datePublished\":\"2023-11-05T19:30:54+00:00\",\"dateModified\":\"2026-01-15T13:33:37+00:00\",\"description\":\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/office-building-19.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/office-building-19.jpg\",\"width\":1600,\"height\":1600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#website\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\",\"name\":\"COBALT\",\"description\":\"Top-tier law services in Estonia, Latvia and Lithuania\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\",\"name\":\"COBALT\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"width\":400,\"height\":116,\"caption\":\"COBALT\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CobaltLegal\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/person\\\/a96c052a2eba55b2f6b995c69436c3aa\",\"name\":\"Ilze Augstkalne\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/author\\\/ilze\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT","description":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.","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:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/","og_locale":"lt_LT","og_type":"article","og_title":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT","og_description":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.","og_url":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/","og_site_name":"COBALT","article_publisher":"https:\/\/www.facebook.com\/CobaltLegal\/","article_published_time":"2023-11-05T19:30:54+00:00","article_modified_time":"2026-01-15T13:33:37+00:00","og_image":[{"width":1600,"height":1600,"url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg","type":"image\/jpeg"}],"author":"Ilze Augstkalne","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ilze Augstkalne","Est. reading time":"5 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#article","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/"},"author":{"name":"Ilze Augstkalne","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/person\/a96c052a2eba55b2f6b995c69436c3aa"},"headline":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?","datePublished":"2023-11-05T19:30:54+00:00","dateModified":"2026-01-15T13:33:37+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/"},"wordCount":1230,"publisher":{"@id":"https:\/\/www.cobalt.legal\/lt\/#organization"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg","articleSection":["Uncategorized @lt"],"inLanguage":"lt-LT"},{"@type":"WebPage","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/","url":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/","name":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios? | COBALT","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#primaryimage"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg","datePublished":"2023-11-05T19:30:54+00:00","dateModified":"2026-01-15T13:33:37+00:00","description":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?. News. Naujienos. Jaunumi. Uudised.","breadcrumb":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#breadcrumb"},"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#primaryimage","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/06\/office-building-19.jpg","width":1600,"height":1600},{"@type":"BreadcrumbList","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/ar-tikrai-visos-jusu-draudimo-sutarties-salygos-yra-galiojancios\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cobalt.legal\/lt\/"},{"@type":"ListItem","position":2,"name":"Ar tikrai visos j\u016bs\u0173 draudimo sutarties s\u0105lygos yra galiojan\u010dios?"}]},{"@type":"WebSite","@id":"https:\/\/www.cobalt.legal\/lt\/#website","url":"https:\/\/www.cobalt.legal\/lt\/","name":"COBALT","description":"Top-tier law services in Estonia, Latvia and Lithuania","publisher":{"@id":"https:\/\/www.cobalt.legal\/lt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cobalt.legal\/lt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Organization","@id":"https:\/\/www.cobalt.legal\/lt\/#organization","name":"COBALT","url":"https:\/\/www.cobalt.legal\/lt\/","logo":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/logo\/image\/","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","width":400,"height":116,"caption":"COBALT"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CobaltLegal\/"]},{"@type":"Person","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/person\/a96c052a2eba55b2f6b995c69436c3aa","name":"Ilze Augstkalne","url":"https:\/\/www.cobalt.legal\/lt\/author\/ilze\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/31489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/comments?post=31489"}],"version-history":[{"count":1,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/31489\/revisions"}],"predecessor-version":[{"id":31490,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/31489\/revisions\/31490"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/media\/49165"}],"wp:attachment":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/media?parent=31489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/categories?post=31489"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/country?post=31489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}