{"id":9179,"date":"2026-09-03T20:24:11","date_gmt":"2026-09-03T17:24:11","guid":{"rendered":"https:\/\/manramu.lt\/?p=9179"},"modified":"2026-09-03T20:26:39","modified_gmt":"2026-09-03T17:26:39","slug":"ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius","status":"publish","type":"post","link":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/","title":{"rendered":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9179\" class=\"elementor elementor-9179\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd9a5c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd9a5c0\" 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-34f9db9\" data-id=\"34f9db9\" 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-23f95f9 elementor-widget elementor-widget-heading\" data-id=\"23f95f9\" 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<h1 class=\"elementor-heading-title elementor-size-default\">Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b5c176 elementor-widget elementor-widget-text-editor\" data-id=\"3b5c176\" 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<div><p class=\"FirstParagraph\"><b><span lang=\"EN-US\">Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.<\/span><\/b><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f80e41c elementor-widget elementor-widget-image\" data-id=\"f80e41c\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp\" class=\"attachment-2048x2048 size-2048x2048 wp-image-9181\" alt=\"Kasko draudimas atlygina audros nuostolius automobiliui\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp 1672w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-300x169.webp 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-1024x576.webp 1024w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-768x432.webp 768w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-1536x864.webp 1536w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-24x14.webp 24w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-36x20.webp 36w, https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu-48x27.webp 48w\" sizes=\"(max-width: 1672px) 100vw, 1672px\" \/>\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<div class=\"elementor-element elementor-element-769bdc9 elementor-widget elementor-widget-text-editor\" data-id=\"769bdc9\" 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;\">Per daugiau kaip 30 met\u0173 darbo draudimo rinkoje teko matyti, kaip kei\u010diasi ir pa\u010dios rizikos, ir m\u016bs\u0173 po\u017ei\u016bris \u012f jas. Anks\u010diau Lietuvoje audra draudimo prasme da\u017eniausiai buvo siejama su gyventoj\u0173 turtu: nupl\u0117\u0161tu namo stogu, i\u0161dau\u017etais langais, u\u017elietu r\u016bsiu ar ant pastato u\u017evirtusiu med\u017eiu.<\/p><p style=\"font-weight: 400;\">Automobili\u0173 \u017ealos po audros nesulaukdavo i\u0161skirtinio d\u0117mesio ir buvo suvokiamos kaip pavien\u0117s ar atsitiktin\u0117s.<\/p><p style=\"font-weight: 400;\">Pastar\u0173j\u0173 met\u0173 audros \u0161\u012f vaizd\u0105 kei\u010dia. Po stipresni\u0173 stichij\u0173 draudikai vis da\u017eniau skelbia ne apie pavienius, o apie \u0161imtus apgadint\u0173 automobili\u0173. Krentantys med\u017eiai ir \u0161akos, kru\u0161a, v\u0117jo pakelti daiktai, staig\u016bs u\u017eliejimai \u2013 gamtos j\u0117gos tampa visi\u0161kai realia automobilio sugadinimo prie\u017eastimi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c518f26 elementor-widget elementor-widget-heading\" data-id=\"c518f26\" 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\">Per vien\u0105 audr\u0105 \u2013 \u0161imtai apgadint\u0173 automobili\u0173<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a23878 elementor-widget elementor-widget-text-editor\" data-id=\"4a23878\" 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;\">Vienas ry\u0161kiausi\u0173 pavyzd\u017ei\u0173 \u2013 2023 m. rugpj\u016b\u010dio audros. BTA skelb\u0117 gavusi <strong>235 prane\u0161imus apie sugadintas transporto priemones<\/strong>, o bendra joms padaryta \u017eala siek\u0117 apie <strong>650 t\u016bkst. eur\u0173<\/strong>. Beveik visi \u0161ie atvejai buvo susij\u0119 su kru\u0161a: i\u0161dau\u017eyti stiklai, sulamdyti varikli\u0173 dang\u010diai ir stogai. Taip pat registruota nema\u017eai ant automobili\u0173 u\u017evirtusi\u0173 med\u017ei\u0173 ir \u0161ak\u0173.<\/p><p style=\"font-weight: 400;\">Tos pa\u010dios 2023 m. rugpj\u016b\u010dio audros apskritai buvo i\u0161skirtin\u0117s Lietuvos draudimo rinkai. \u201eLietuvos draudimas\u201c skelb\u0117, kad bendrov\u0117s klient\u0173 \u2013 gyventoj\u0173 ir verslo \u2013 nuostoliai d\u0117l dviej\u0173 rugpj\u016b\u010dio audr\u0173 period\u0173 priart\u0117jo prie 10 mln. eur\u0173, o v\u0117liau bendras nuostolis buvo vertinamas ma\u017edaug 11 mln. eur\u0173. Med\u017eiai griuvo ir ant pastat\u0173, ir ant transporto priemoni\u0173, kru\u0161a niokojo tiek stogus ir fasadus, tiek automobilius.<\/p><p style=\"font-weight: 400;\">2024 m. liepos 28\u201329 d.\u00a0Lietuv\u0105 u\u017eklupusi stichija v\u0117l primin\u0117, kokie ekstremal\u016bs gali b\u016bti vasaros orai. Lietuvos hidrometeorologijos tarnyba katastrofin\u012f liet\u0173 tuomet u\u017efiksavo penkiose meteorologijos stotyse. Tel\u0161iuose per ne daugiau kaip 12 valand\u0173 i\u0161krito net 110,1 mm krituli\u0173, o \u0160iauliuose ir Ma\u017eeikiuose tokio masto lietus iki tol apskritai nebuvo registruotas.<\/p><p style=\"font-weight: 400;\">O 2026 m. rugpj\u016b\u010dio 22-osios audra pateik\u0117 dar vien\u0105 labai ai\u0161k\u0173 pavyzd\u012f. Lietuvos hidrometeorologijos tarnybos duomenimis, pavojingas arba stipresnis v\u0117jas t\u0105 dien\u0105 buvo u\u017efiksuotas <strong>visose v\u0117jo parametrus matuojan\u010diose Lietuvos meteorologijos stotyse<\/strong>, o Vent\u0117je g\u016bsiai pasiek\u0117 33,1 m\/s. Pagal nuo 1970 m. turimus duomenis tai buvo vienintel\u0117 vasaros audra, kai toks v\u0117jas registruotas visose \u0161iose stotyse.<\/p><p style=\"font-weight: 400;\">Vos per kelias dienas \u201eLietuvos draudimas\u201c po \u0161ios audros gavo daugiau kaip <strong>4,6 t\u016bkst. prane\u0161im\u0173 apie \u017ealas<\/strong>, kuri\u0173 preliminari vert\u0117 pasiek\u0117 3,6 mln. eur\u0173. V\u0117liau bendrov\u0117 paskelb\u0117, kad daugiau kaip <strong>200 kreipini\u0173 buvo susij\u0119 b\u016btent su apgadintomis transporto priemon\u0117mis<\/strong>.<\/p><p style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">BTA po tos pa\u010dios audros jau pirm\u0105 darbo dien\u0105 buvo u\u017eregistravusi apie <strong>100 KASKO \u017eal\u0173<\/strong>. \u012edomi detal\u0117 \u2013 nors automobili\u0173 \u017eal\u0173 buvo gerokai ma\u017eiau nei gyventoj\u0173 turto \u017eal\u0173, abiem grup\u0117ms rezervuotos sumos tuo metu buvo pana\u0161ios. Tai gerai parodo, kad vieno automobilio apgadinimo kaina gali b\u016bti labai didel\u0117.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be6bdbb elementor-widget elementor-widget-heading\" data-id=\"be6bdbb\" 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\">Audra automobilio nesirenka<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e654525 elementor-widget__width-auto elementor-absolute e-transform elementor-widget elementor-widget-image\" data-id=\"e654525\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-138,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" 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\" width=\"501\" height=\"477\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png\" class=\"attachment-medium_large size-medium_large wp-image-23\" alt=\"\" srcset=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one.png.webp 501w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-300x286.png.webp 300w, https:\/\/manramu.lt\/wp-content\/uploads\/2025\/03\/bubble-one-13x12.png.webp 13w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\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<div class=\"elementor-element elementor-element-73865b2 elementor-widget elementor-widget-text-editor\" data-id=\"73865b2\" 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;\">Eismo \u012fvyki\u0173 rizik\u0105 labai stipriai lemia pats vairuotojas, jo patirtis, automobilio naudojimas, nuva\u017eiuojamas atstumas ir daugyb\u0117 kit\u0173 individuali\u0173 aplinkybi\u0173.<\/p><p style=\"font-weight: 400;\">Gamtos j\u0117g\u0173 rizika kitokia.<\/p><p style=\"font-weight: 400;\">Kru\u0161ai nesvarbu, ar aik\u0161tel\u0117je stovi ma\u017eas miesto automobilis, ar galingas visureigis. V\u0117jo nulau\u017eta \u0161aka nesirenka automobilio pagal jo vairuotojo sta\u017e\u0105. Staiga u\u017etvindyta gatv\u0117 vienodai u\u017elieja tiek vakar nupirkt\u0105 automoblil\u012f, tiek pirkt\u0105 prie\u0161 de\u0161imt met\u0173.<\/p><p style=\"font-weight: 400;\">\u017dinoma, <strong>galimos \u017ealos dydis skiriasi<\/strong>. \u0160iuolaikinio automobilio panoraminio stogo, LED \u017eibint\u0173, kamer\u0173, radar\u0173 ar kit\u0173 elektronikos sistem\u0173 remontas gali b\u016bti labai brangus. \u201eLietuvos draudimas\u201c po 2026 m. audros taip pat pa\u017eym\u0117jo, kad gamtos j\u0117g\u0173 sukeltos transporto \u017ealos atskirais atvejais siekia kelis ar net keliasde\u0161imt t\u016bkstan\u010di\u0173 eur\u0173.<\/p><p style=\"font-weight: 400;\">Ta\u010diau pats faktas, ar automobilis atsidurs po kru\u0161a, audros nuverstu med\u017eiu ar staiga pakilusiu vandeniu, yra kur kas ma\u017eiau susij\u0119s su jo marke ar vairuotojo \u012fg\u016bd\u017eiais.<\/p><p style=\"font-weight: 400;\">Ir b\u016btent tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime tampa vis reik\u0161mingesn\u0117.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb0006c elementor-widget elementor-widget-heading\" data-id=\"cb0006c\" 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\">Nam\u0105 audrai ruo\u0161iame. O automobil\u012f?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b73d0f2 elementor-widget elementor-widget-text-editor\" data-id=\"b73d0f2\" 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;\">Kai gauname persp\u0117jim\u0105 apie art\u0117jan\u010di\u0105 audr\u0105, da\u017enas individualaus namo savininkas jau \u017eino, k\u0105 reikia padaryti.<\/p><p style=\"font-weight: 400;\">U\u017edarome langus ir duris. Patikriname, ar kieme neliko lengv\u0173 daikt\u0173. Suskleid\u017eiame sk\u0117\u010dius, pritvirtiname ar sune\u0161ame lauko baldus, pasir\u016bpiname batutu. \u012evertiname stogo, latak\u0173 ir lietvamzd\u017ei\u0173 b\u016bkl\u0119. Jei aplink nam\u0105 yra seni med\u017eiai, atkreipiame d\u0117mes\u012f \u012f pavojingas \u0161akas.<\/p><p style=\"font-weight: 400;\">Tai tapo gana \u012fprasta prevencija. Lygiai toki\u0105 pa\u010di\u0105 logik\u0105 reik\u0117t\u0173 taikyti ir automobiliui.<\/p><p style=\"font-weight: 400;\">Jeigu prognozuojamas stiprus v\u0117jas, automobilio nereik\u0117t\u0173 palikti po dideliais med\u017eiais, \u0161alia reklamini\u0173 konstrukcij\u0173, pastoli\u0173 ar kit\u0173 objekt\u0173, kuriuos v\u0117jas gali nuversti arba pakelti.<\/p><p style=\"font-weight: 400;\">Jeigu prognozuojama kru\u0161a, geriausia apsauga yra stogas \u2013 gara\u017eas, stogin\u0117, daugiaauk\u0161t\u0117 ar po\u017eemin\u0117 automobili\u0173 aik\u0161tel\u0117.<\/p><p style=\"font-weight: 400;\">Jeigu laukiama intensyvios li\u016bties, verta pagalvoti ir apie reljef\u0105. Automobilis, pastatytas \u017eemiausioje kiemo, gatv\u0117s ar po\u017eemin\u0117s aik\u0161tel\u0117s vietoje, staigaus lietaus metu gali atsidurti vandenyje. Draudikai rekomenduoja esant galimybei rinktis auk\u0161tesn\u0119 stov\u0117jimo viet\u0105.<\/p><p style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Prevencijos principas abiem atvejais tas pats: <strong>jeigu apie pavoj\u0173 \u017einome i\u0161 anksto, turime pasinaudoti galimybe suma\u017einti rizik\u0105.<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8deef9c elementor-widget elementor-widget-heading\" data-id=\"8deef9c\" 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\">Apsemta gatv\u0117 \u2013 \u017eala, kurios da\u017enai galima i\u0161vengti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75e0cee elementor-widget elementor-widget-text-editor\" data-id=\"75e0cee\" 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;\">Viena i\u0161 situacij\u0173, kurioje nema\u017eai priklauso nuo paties vairuotojo, yra bandymas va\u017eiuoti per vandeniu u\u017eliet\u0105 kelio ruo\u017e\u0105.<\/p><p style=\"font-weight: 400;\">I\u0161 automobilio da\u017enai sunku \u012fvertinti tikr\u0105j\u012f vandens gyl\u012f. Be to, nematome, kas yra po vandeniu \u2013 danga gali b\u016bti i\u0161plauta, joje gali b\u016bti duobi\u0173 ar kit\u0173 kli\u016b\u010di\u0173.<\/p><p style=\"font-weight: 400;\">Dar svarbiau, kad vandeniui patekus \u012f varikl\u012f ar automobilio elektros sistemas \u017eala gali b\u016bti labai didel\u0117. Jei automobilis vandenyje u\u017egeso, pakartotinis bandymas j\u012f u\u017evesti gali pa\u017eeidimus tik padidinti. Tod\u0117l saugiausias sprendimas, priva\u017eiavus apsemt\u0105 ruo\u017e\u0105 ir ne\u017einant jo gylio, yra ne tik\u0117tis, kad \u201eprava\u017eiuosiu\u201c, o apsisukti.<\/p><p style=\"font-weight: 400;\">Tai labai pana\u0161u \u012f b\u016bsto draudim\u0105: draudimas neatleid\u017eia m\u016bs\u0173 nuo pareigos elgtis protingai ir, kai \u012fmanoma, ma\u017einti galim\u0105 \u017eal\u0105.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42a51a1 elementor-widget elementor-widget-heading\" data-id=\"42a51a1\" 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\">Ta\u010diau nuo visko automobilio neapsaugosime<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4038cfa elementor-widget elementor-widget-text-editor\" data-id=\"4038cfa\" 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;\">Prevencija turi ribas.<\/p><p style=\"font-weight: 400;\">Galime nepalikti automobilio po med\u017eiu, ta\u010diau negalime tiksliai numatyti, kur praslinks kru\u0161os debesis.<\/p><p style=\"font-weight: 400;\">Galime pasirinkti auk\u0161tesn\u0119 stov\u0117jimo viet\u0105, ta\u010diau itin intensyvi li\u016btis kartais per keliolika minu\u010di\u0173 u\u017etvindo ir tas gatves ar aik\u0161teles, kuriose anks\u010diau tokios problemos nebuvo.<\/p><p style=\"font-weight: 400;\">Galime automobil\u012f laikyti gara\u017ee namuose, bet audra gali u\u017eklupti darbo vietoje, prekybos centre ar kelion\u0117je.<\/p><p style=\"font-weight: 400;\">O v\u0117jo pakeltas konteineris, pastato konstrukcijos dalis ar nul\u016b\u017eusi visi\u0161kai sveikai atrod\u017eiusio med\u017eio \u0161aka yra rizika, kurios automobilio savininkas objektyviai negali kontroliuoti.<\/p><p style=\"font-weight: 400;\"><strong>Draudimas n\u0117ra prevencijos pakaitalas. Jo paskirtis \u2013 perimti t\u0105 rizikos dal\u012f, kurios pats \u017emogus kontroliuoti nebegali.<\/strong><\/p><p style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">B\u016btent \u010dia yra KASKO draudimo reik\u0161m\u0117 ir prasm\u0117.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6c8ba elementor-widget elementor-widget-heading\" data-id=\"1e6c8ba\" 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\">Gamtos j\u0117gos KASKO draudime \u2013 jau nebe simbolin\u0117 rizika<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-812e56a elementor-widget elementor-widget-text-editor\" data-id=\"812e56a\" 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;\">Privalomasis transporto priemoni\u0173 valdytoj\u0173 civilin\u0117s atsakomyb\u0117s draudimas yra skirtas atlyginti \u017eal\u0105, kuri\u0105 vairuotojas padaro kitiems. Jis n\u0117ra skirtas kompensuoti audros, kru\u0161os ar u\u017evirtusio med\u017eio padaryt\u0105 \u017eal\u0105 pa\u010diam automobiliui.<\/p><p style=\"font-weight: 400;\">Tokios rizikos paprastai yra KASKO draudimo sritis. Vis d\u0117lto, kaip ir visada draudime, svarbu vertinti konkretaus pasi\u016blymo s\u0105lygas, numatytas rizikas, i\u0161skaitas ir i\u0161imtis.<\/p><p style=\"font-weight: 400;\">Dar prie\u0161 keliolika met\u0173 automobilio savininkui gamtos j\u0117g\u0173 apsauga KASKO polise gal\u0117jo atrodyti kaip gana teorin\u0117 poliso dalis. Daug svarbiau atrod\u0117 eismo \u012fvykis, vagyst\u0117, vandalizmas ar stiklo d\u016b\u017eis.<\/p><p style=\"font-weight: 400;\">Pastar\u0173j\u0173 met\u0173 \u012fvykiai ver\u010dia \u0161\u012f po\u017ei\u016br\u012f keisti. Kai po vienos audros vienas draudikas registruoja daugiau kaip 200 apgadint\u0173 automobili\u0173, o kitas \u2013 apie 100 KASKO \u017eal\u0173, gamtos j\u0117g\u0173 nebegalime vertinti kaip egzoti\u0161ko, ma\u017eai tik\u0117tino scenarijaus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1237da elementor-widget elementor-widget-heading\" data-id=\"c1237da\" 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\">Ar did\u0117janti audr\u0173 rizika jau atsispindi KASKO kainoje?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c3c531 elementor-widget elementor-widget-text-editor\" data-id=\"2c3c531\" 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;\">Draudimo bendrovi\u0173 KASKO tarif\u0173 modeliai n\u0117ra vie\u0161i, tod\u0117l b\u016bt\u0173 netikslu teigti, kad Lietuvos draudikai \u0161iandien automati\u0161kai prideda konkret\u0173 \u201eaudr\u0173 pried\u0105\u201c prie kiekvieno KASKO poliso.<\/p><p style=\"font-weight: 400;\">Ta\u010diau pati draudimo kainodaros logika yra ai\u0161ki: kai kei\u010diasi rizikos da\u017enis arba galim\u0173 nuostoli\u0173 dydis, ilgainiui tai turi b\u016bti \u012fvertinta ir draudimo kainoje.<\/p><p style=\"font-weight: 400;\">Europos draudimo ir profesini\u0173 pensij\u0173 institucija EIOPA pa\u017eymi, kad did\u0117jant fizinei klimato rizikai rizika pagr\u012fstos draudimo \u012fmokos ilgainiui tur\u0117t\u0173 did\u0117ti. EIOPA taip pat ragina draudikus perskai\u010diuoti gamtini\u0173 katastrof\u0173 rizikos parametrus, tarp j\u0173 \u2013 potvyni\u0173, v\u0117jo audr\u0173 ir kru\u0161os rizikas, remdamasi naujesniais klimato duomenimis ir rizikos modeliais.<\/p><p style=\"font-weight: 400;\">Tai nerei\u0161kia, kad audros vienodai pabrangins kiekvieno automobilio KASKO. Galimos \u017ealos dyd\u017eiui did\u017eiul\u0119 \u012ftak\u0105 turi automobilio vert\u0117, konstrukcija ir remonto ka\u0161tai, o draudimo kain\u0105 lemia ir daug kit\u0173 rizikos veiksni\u0173.\u00a0Pavyzd\u017eiui, Lietuvos bankas nurodo, kad 2025 m. turto draudimo i\u0161mokos suma\u017e\u0117jo d\u0117l palankesni\u0173 gamtini\u0173 s\u0105lyg\u0173. Vieni metai gali b\u016bti ram\u016bs, o kitais viena audra per kelias valandas sukurti t\u016bkstan\u010dius \u017eal\u0173.<\/p><p style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ta\u010diau galima pagr\u012fstai teigti, kad <strong>gamtos j\u0117gos tampa vis svarbesne bendros KASKO rizikos dalimi<\/strong>, kuri\u0105 draudikai turi vertinti kartu su kitomis \u017eal\u0173 prie\u017eastimis.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f78ff5f elementor-widget elementor-widget-heading\" data-id=\"f78ff5f\" 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\">Prie\u0161 audr\u0105 verta prisiminti ne tik namo stog\u0105<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-273e288 elementor-widget elementor-widget-text-editor\" data-id=\"273e288\" 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;\">Lietuvoje jau i\u0161mokome, kad gavus persp\u0117jim\u0105 apie stipr\u0173 v\u0117j\u0105 ar li\u016bt\u012f reikia pasir\u016bpinti namais. Dabar pana\u0161iai tur\u0117tume pasir\u016bpinti ir automobiliais.<\/p><p style=\"font-weight: 400;\">Gavus persp\u0117jim\u0105 apie stipri\u0105 audr\u0105 verta:<\/p><ul><li>\u012fvertinti, kur stovi automobilis, ir patraukti j\u012f nuo med\u017ei\u0173 bei nestabili\u0173 konstrukcij\u0173;<\/li><li>esant kru\u0161os tikimybei ie\u0161koti gara\u017eo, stogin\u0117s ar dengtos automobili\u0173 aik\u0161tel\u0117s;<\/li><li>prognozuojant li\u016bt\u012f vengti \u017eemiausi\u0173 stov\u0117jimo viet\u0173 ir teritorij\u0173, kurios gali b\u016bti u\u017elietos;<\/li><li>audros metu atsisakyti neb\u016btinos kelion\u0117s, o priva\u017eiavus apsemt\u0105 kelio ruo\u017e\u0105 nebandyti jo \u012fveikti;<\/li><li>kartu \u012fvertinti, ar automobilio draudimo apsauga apima gamtos j\u0117g\u0173 sukelt\u0105 \u017eal\u0105.<\/li><\/ul><p style=\"font-weight: 400;\">Ne vis\u0173 audros pasekmi\u0173 galime i\u0161vengti. Bet galime suma\u017einti j\u0173 tikimyb\u0119 ir i\u0161 anksto nuspr\u0119sti, koki\u0105 likusi\u0105 finansin\u0119 rizik\u0105 esame pasireng\u0119 prisiimti patys.<\/p><p style=\"font-weight: 400;\"><strong>Prie\u0161 audr\u0105 pasir\u016bpiname, kad b\u016bt\u0173 u\u017edaryti nam\u0173 langai ir saugus stogas. Vis da\u017eniau verta tuo pa\u010diu metu pa\u017evelgti ir pro t\u0105 lang\u0105 \u2013 kur stovi m\u016bs\u0173 automobilis.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bafd60 elementor-author-box--layout-image-left elementor-author-box--align-left elementor-author-box--image-valign-middle elementor-widget__width-auto elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-author-box--link-no elementor-widget elementor-widget-author-box\" data-id=\"1bafd60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/06\/cropped-MJ5-1t1-300x300.webp\" alt=\"Picture of Marius Jundulas\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tMarius Jundulas\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tDraudimo ekspertas ir licencijuotas draudimo brokeris. \r\n\u201eMan ramu\" draudimo platformos \u012fk\u016br\u0117jas ir vadovas.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\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-e27e957 elementor-widget elementor-widget-spacer\" data-id=\"e27e957\" 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-d72c08b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d72c08b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.06889 10.0454L6.06889 10.0274C6.31385 10.0227 6.55202 10.1081 6.7382 10.2673C6.92438 10.4266 7.04562 10.6487 7.07889 10.8914L7.08789 11.0264V12.0104C7.08794 12.2724 6.98519 12.5239 6.80175 12.7109C6.6183 12.8979 6.3688 13.0054 6.10689 13.0104L5.10689 13.0284C4.86193 13.0331 4.62376 12.9478 4.43758 12.7885C4.2514 12.6292 4.13017 12.4071 4.09689 12.1644L4.08789 12.0284V11.0454C4.08784 10.7834 4.19059 10.5319 4.37403 10.3449C4.55748 10.1579 4.80698 10.0504 5.06889 10.0454Z\" stroke=\"#FF720B\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4.08789 7.00745H13.0879\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M9.08789 10.0074H13.0879M9.08789 13.0074H13.0879M3.08789 3.99243H14.0879C14.6183 3.99243 15.127 4.20315 15.5021 4.57822C15.8772 4.95329 16.0879 5.462 16.0879 5.99243V16.0074H3.08789C2.55746 16.0074 2.04875 15.7967 1.67368 15.4216C1.2986 15.0466 1.08789 14.5379 1.08789 14.0074V5.99343C1.08789 5.463 1.2986 4.95429 1.67368 4.57922C2.04875 4.20415 2.55746 3.99243 3.08789 3.99243Z\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M16.4102 16.0074C17.0732 16.0074 17.7091 15.7441 18.1779 15.2752C18.6468 14.8064 18.9102 14.1705 18.9102 13.5074V7.00745H16.9102\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Taip pat skaitykite<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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-554a67a elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-global elementor-global-8335 elementor-widget-loop-grid\" data-id=\"554a67a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:8326,&quot;columns&quot;:1,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:11,&quot;sizes&quot;:[]},&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-8326\">.elementor-8326 .elementor-element.elementor-element-918a2d9{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-widget-post-info .elementor-icon-list-item:not(:last-child):after{border-color:var( --e-global-color-text );}.elementor-widget-post-info .elementor-icon-list-icon i{color:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-icon svg{fill:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-text, .elementor-widget-post-info .elementor-icon-list-text a{color:var( --e-global-color-secondary );}.elementor-widget-post-info .elementor-icon-list-item{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child){padding-bottom:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:first-child){margin-top:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-right:calc(0px\/2);margin-left:calc(0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items{margin-right:calc(-0px\/2);margin-left:calc(-0px\/2);}body.rtl .elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{left:calc(-0px\/2);}body:not(.rtl) .elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item:after{right:calc(-0px\/2);}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon{width:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon i{font-size:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-icon svg{--e-icon-list-icon-size:6px;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-text, .elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-text a{color:#959595;}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-item{font-family:\"Poppins\", Sans-serif;font-size:15px;font-weight:400;line-height:28px;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );color:var( --e-global-color-primary );}.elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:20px;font-weight:600;line-height:1.28em;letter-spacing:0px;color:#000000;}.elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title a:hover, .elementor-8326 .elementor-element.elementor-element-8898e0d .elementor-heading-title a:focus{color:var( --e-global-color-secondary );}@media(max-width:1024px){.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-widget-heading .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );}}@media(max-width:767px){.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-8326 .elementor-element.elementor-element-cd2fd94 .elementor-icon-list-item{font-size:14px;}.elementor-widget-heading .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );letter-spacing:var( --e-global-typography-primary-letter-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-9179 post-9179 post type-post status-publish format-standard has-post-thumbnail hentry category-draudimo-pulsas category-naujienos\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>September 3, 2026, 8:24 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/\">Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8842 post-8842 post type-post status-publish format-standard has-post-thumbnail hentry category-insurance-pulse category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 19, 2026, 4:09 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/new-reality-in-the-home-insurance-market-political-conflict-risks-move-from-the-list-of-exceptions-to-standard-conditions\/\">New reality in the home insurance market: political conflict risks move from the list of exceptions to standard conditions<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8845 post-8845 post type-post status-publish format-standard has-post-thumbnail hentry category-insurance-pulse category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 12, 2026, 7:55 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/ergo-has-jumped-on-the-ai-powered-interactive-photo-submission-bandwagon-but-not-all-insurers-are-there-yet\/\">Ergo has jumped on the AI-powered interactive photo submission bandwagon, but not all insurers are there yet<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-5699 post-5699 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 10, 2026, 9:07 am<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/are-you-planning-to-travel-to-an-eu-country-get-a-european-health-insurance-card-and-travel-insurance\/\">How to protect your home from rain and storms: tips for the whole summer<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8849 post-8849 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>June 9, 2026, 2:50 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/all-inclusive-in-turkey-a-false-illusion-of-security-and-the-necessity-of-travel-insurance\/\">All-inclusive in Turkey: a false illusion of security and the necessity of travel insurance<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"8326\" class=\"elementor elementor-8326 e-loop-item e-loop-item-8852 post-8852 post type-post status-publish format-standard has-post-thumbnail hentry category-news category-other-news\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-918a2d9 e-flex e-con-boxed e-con e-parent\" data-id=\"918a2d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2fd94 elementor-widget elementor-widget-post-info\" data-id=\"cd2fd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-464a563 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>May 14, 2026, 4:52 pm<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\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-8898e0d elementor-widget elementor-widget-heading\" data-id=\"8898e0d\" 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\"><a href=\"https:\/\/manramu.lt\/en\/news\/balcia-has-once-again-improved-its-casco-insurance-rules\/\">Balcia has once again improved its Casco insurance rules<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\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-da81b4a elementor-align-center elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"da81b4a\" 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-sm\" href=\"https:\/\/manramu.lt\/naujienos\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.07084 7.04553L6.07084 7.02753C6.31581 7.02281 6.55398 7.10818 6.74016 7.26745C6.92634 7.42672 7.04757 7.64879 7.08084 7.89153L7.08984 8.02653V9.01053C7.08989 9.27249 6.98715 9.524 6.8037 9.711C6.62025 9.898 6.37075 10.0056 6.10884 10.0105L5.10884 10.0285C4.86388 10.0332 4.62571 9.94787 4.43953 9.78861C4.25335 9.62934 4.13212 9.40727 4.09884 9.16453L4.08984 9.02853V8.04553C4.0898 7.78357 4.19254 7.53206 4.37599 7.34506C4.55943 7.15806 4.80893 7.05051 5.07084 7.04553Z\" stroke=\"#FF720B\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4.08984 4.00732H13.0898\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M9.08984 7.00743H13.0898M9.08984 10.0074H13.0898M3.08984 0.992432H14.0898C14.6203 0.992432 15.129 1.20315 15.5041 1.57822C15.8791 1.95329 16.0898 2.462 16.0898 2.99243V13.0074H3.08984C2.55941 13.0074 2.0507 12.7967 1.67563 12.4216C1.30056 12.0466 1.08984 11.5379 1.08984 11.0074V2.99343C1.08984 2.463 1.30056 1.95429 1.67563 1.57922C2.0507 1.20415 2.55941 0.992432 3.08984 0.992432Z\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M16.4121 13.0073C17.0752 13.0073 17.711 12.7439 18.1799 12.2751C18.6487 11.8063 18.9121 11.1704 18.9121 10.5073V4.00732H16.9121\" stroke=\"#00A3B4\" stroke-width=\"1.74497\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Daugiau naujien\u0173<\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.<\/p>\n","protected":false},"author":2,"featured_media":9181,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[144,7],"tags":[],"class_list":["post-9179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-draudimo-pulsas","category-naujienos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius<\/title>\n<meta name=\"description\" content=\"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius\" \/>\n<meta property=\"og:description\" content=\"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/\" \/>\n<meta property=\"og:site_name\" content=\"Man ramu draudimo platforma\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/mariusjundulas\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-03T17:24:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-03T17:26:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1672\" \/>\n\t<meta property=\"og:image:height\" content=\"941\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Marius Jundulas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marius Jundulas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/\"},\"author\":{\"name\":\"Marius Jundulas\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/person\\\/a3bdf9a08c0844cfecee644b217580a9\"},\"headline\":\"Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius\",\"datePublished\":\"2026-09-03T17:24:11+00:00\",\"dateModified\":\"2026-09-03T17:26:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/\"},\"wordCount\":1690,\"publisher\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Audros-negaili-automobiliu.webp\",\"articleSection\":[\"Draudimo pulsas\",\"Naujienos\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/\",\"name\":\"Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Audros-negaili-automobiliu.webp\",\"datePublished\":\"2026-09-03T17:24:11+00:00\",\"dateModified\":\"2026-09-03T17:26:39+00:00\",\"description\":\"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#primaryimage\",\"url\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Audros-negaili-automobiliu.webp\",\"contentUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Audros-negaili-automobiliu.webp\",\"width\":1672,\"height\":941,\"caption\":\"Kasko draudimas atlygina audros nuostolius automobiliui\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/naujienos\\\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/manramu.lt\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/\",\"name\":\"Man ramu draudimo platforma\",\"description\":\"Insurance Platform\",\"publisher\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#organization\"},\"alternateName\":\"Man ramu\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/manramu.lt\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#organization\",\"name\":\"Man ramu draudimo platforma\",\"alternateName\":\"Man ramu\",\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Man-ramu-draudimas-internetu-platforma.webp\",\"contentUrl\":\"https:\\\/\\\/manramu.lt\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Man-ramu-draudimas-internetu-platforma.webp\",\"width\":728,\"height\":728,\"caption\":\"Man ramu draudimo platforma\"},\"image\":{\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/manramu.lt?locale=lt_LT\",\"https:\\\/\\\/www.instagram.com\\\/manramu.lt\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/manramu\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/manramu.lt\\\/en\\\/#\\\/schema\\\/person\\\/a3bdf9a08c0844cfecee644b217580a9\",\"name\":\"Marius Jundulas\",\"description\":\"Draudimo ekspertas ir licencijuotas draudimo brokeris. \u201eMan ramu\\\" draudimo platformos \u012fk\u016br\u0117jas ir vadovas.\",\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/mariusjundulas\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/mariusjundulas\"],\"url\":\"https:\\\/\\\/manramu.lt\\\/en\\\/author\\\/marius-jundulas\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius","description":"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.","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:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/","og_locale":"en_US","og_type":"article","og_title":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius","og_description":"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.","og_url":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/","og_site_name":"Man ramu draudimo platforma","article_publisher":"https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT","article_author":"https:\/\/www.facebook.com\/mariusjundulas","article_published_time":"2026-09-03T17:24:11+00:00","article_modified_time":"2026-09-03T17:26:39+00:00","og_image":[{"width":1672,"height":941,"url":"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp","type":"image\/webp"}],"author":"Marius Jundulas","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Marius Jundulas","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#article","isPartOf":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/"},"author":{"name":"Marius Jundulas","@id":"https:\/\/manramu.lt\/en\/#\/schema\/person\/a3bdf9a08c0844cfecee644b217580a9"},"headline":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius","datePublished":"2026-09-03T17:24:11+00:00","dateModified":"2026-09-03T17:26:39+00:00","mainEntityOfPage":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/"},"wordCount":1690,"publisher":{"@id":"https:\/\/manramu.lt\/en\/#organization"},"image":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#primaryimage"},"thumbnailUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp","articleSection":["Draudimo pulsas","Naujienos"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/","url":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/","name":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai - audros Lietuvoje vis da\u017eniau niokoja ir automobilius","isPartOf":{"@id":"https:\/\/manramu.lt\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#primaryimage"},"image":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#primaryimage"},"thumbnailUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp","datePublished":"2026-09-03T17:24:11+00:00","dateModified":"2026-09-03T17:26:39+00:00","description":"Po stipresni\u0173 audr\u0173 draudikai jau skai\u010diuoja \u0161imtus apgadint\u0173 automobili\u0173 ir milijoninius nuostolius. Tod\u0117l gamtos j\u0117g\u0173 rizika KASKO draudime i\u0161 papildomos apsaugos vis labiau tampa viena svarbiausi\u0173 jo dali\u0173.","breadcrumb":{"@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#primaryimage","url":"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp","contentUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/09\/Audros-negaili-automobiliu.webp","width":1672,"height":941,"caption":"Kasko draudimas atlygina audros nuostolius automobiliui"},{"@type":"BreadcrumbList","@id":"https:\/\/manramu.lt\/en\/naujienos\/ne-tik-nuplesti-namu-stogai-audros-lietuvoje-vis-dazniau-niokoja-ir-automobilius\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/manramu.lt\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Ne tik nupl\u0117\u0161ti nam\u0173 stogai &#8211; audros Lietuvoje vis da\u017eniau niokoja ir automobilius"}]},{"@type":"WebSite","@id":"https:\/\/manramu.lt\/en\/#website","url":"https:\/\/manramu.lt\/en\/","name":"Man ramu draudimo platforma","description":"Insurance Platform","publisher":{"@id":"https:\/\/manramu.lt\/en\/#organization"},"alternateName":"Man ramu","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/manramu.lt\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/manramu.lt\/en\/#organization","name":"Man ramu draudimo platforma","alternateName":"Man ramu","url":"https:\/\/manramu.lt\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/manramu.lt\/en\/#\/schema\/logo\/image\/","url":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/Man-ramu-draudimas-internetu-platforma.webp","contentUrl":"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/07\/Man-ramu-draudimas-internetu-platforma.webp","width":728,"height":728,"caption":"Man ramu draudimo platforma"},"image":{"@id":"https:\/\/manramu.lt\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/manramu.lt?locale=lt_LT","https:\/\/www.instagram.com\/manramu.lt","https:\/\/www.linkedin.com\/company\/manramu"]},{"@type":"Person","@id":"https:\/\/manramu.lt\/en\/#\/schema\/person\/a3bdf9a08c0844cfecee644b217580a9","name":"Marius Jundulas","description":"Draudimo ekspertas ir licencijuotas draudimo brokeris. \u201eMan ramu\" draudimo platformos \u012fk\u016br\u0117jas ir vadovas.","sameAs":["https:\/\/www.facebook.com\/mariusjundulas","https:\/\/www.linkedin.com\/in\/mariusjundulas"],"url":"https:\/\/manramu.lt\/en\/author\/marius-jundulas\/"}]}},"_links":{"self":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/posts\/9179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/comments?post=9179"}],"version-history":[{"count":11,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/posts\/9179\/revisions"}],"predecessor-version":[{"id":9191,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/posts\/9179\/revisions\/9191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/media\/9181"}],"wp:attachment":[{"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/media?parent=9179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/categories?post=9179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manramu.lt\/en\/wp-json\/wp\/v2\/tags?post=9179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}