{"id":11419,"date":"2023-01-02T07:55:00","date_gmt":"2023-01-02T00:55:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=11419"},"modified":"2024-04-25T17:48:47","modified_gmt":"2024-04-25T10:48:47","slug":"mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong\/","title":{"rendered":"M\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0: B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 hay chung c\u01b0 s\u1ebd b\u1ed3i th\u01b0\u1eddng?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee4C L\u1ee4C<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #259356;color:#259356\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #259356;color:#259356\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong\/#I_Cac_thu_doan_lay_cap_o_to_o_chung_cu\" >I. C\u00e1c th\u1ee7 \u0111o\u1ea1n l\u1ea5y c\u1eafp \u00f4 t\u00f4 \u1edf chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong\/#II_Mat_xe_o_to_o_chung_cu_ai_se_boi_thuong\" >II. M\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0, ai s\u1ebd b\u1ed3i th\u01b0\u1eddng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color:#defdff\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1492\" height=\"1253\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png\" alt=\"\" class=\"wp-image-21922\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png 1492w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-300x252.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-1024x860.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-768x645.png 768w\" sizes=\"auto, (max-width: 1492px) 100vw, 1492px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-text-align-left has-text-color has-link-color wp-elements-7b7335f33daf8b0bd482d3ad03c7874b\" style=\"color:#1e3888;font-size:16px;line-height:1.1\"><strong>Nh\u1eadn b\u00e1o gi\u00e1 t\u1eeb 6 C\u00f4ng ty B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-e6363d88-ddf1-4584-a973-e9d90f26a153\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #14c560; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #1D7243; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p><strong><em>V\u1ee5 vi\u1ec7c <a href=\"https:\/\/cand.com.vn\/Ban-tin-113\/bao-ve-chung-cu-dem-4-xe-o-to-cua-cu-dan-di-cam-co-roi-bien-mat-i676618\/\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">b\u1ea3o v\u1ec7 chung c\u01b0 mang 4 \u00f4 t\u00f4 c\u1ee7a c\u01b0 d\u00e2n \u0111i c\u1ea7m<\/a> (th\u00e1ng 12\/2022, TP. HCM) hay nhi\u1ec1u v\u1ee5 tr\u1ed9m c\u1eafp \u00f4 t\u00f4 tinh vi t\u1ea1i c\u00e1c h\u1ea7m xe chung c\u01b0 hi\u1ec7n nay khi\u1ebfn nhi\u1ec1u ch\u1ee7 xe lo l\u1eafng. T\u00ecm hi\u1ec3u c\u00e1ch ph\u00f2ng tr\u00e1nh c\u00e1c th\u1ee7 \u0111o\u1ea1n tr\u1ed9m c\u1eafp \u00f4 t\u00f4 v\u00e0 quy \u0111\u1ecbnh <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" title=\"b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a> v\u1ec1 vi\u1ec7c m\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0 qua b\u00e0i vi\u1ebft n\u00e0y nh\u00e9.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong-1024x531.png\" alt=\"\" class=\"wp-image-11457\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong-1024x531.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong-300x155.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong-768x398.png 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong-1536x796.png 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145949\/mat-xe-o-to-o-chung-cu-bao-hiem-tu-nguyen-xe-o-to-hay-chung-cu-se-boi-thuong.png 1781w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Cac_thu_doan_lay_cap_o_to_o_chung_cu\"><\/span><strong>I. C\u00e1c th\u1ee7 \u0111o\u1ea1n l\u1ea5y c\u1eafp \u00f4 t\u00f4 \u1edf chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Sao ch\u00e9p th\u1ebb t\u1eeb<\/h3>\n\n\n\n<p>Khi g\u1eedi xe \u1edf chung c\u01b0, ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n ph\u1ea3i d\u00f9ng th\u1ebb t\u1eeb qu\u00e9t, hi\u1ec7n t\u1ea1i \u0111\u00e2y l\u00e0 c\u00e1ch qu\u1ea3n l\u00fd g\u1eedi xe ph\u1ed5 bi\u1ebfn nh\u1ea5t. K\u1ebb gian l\u1ee3i d\u1ee5ng \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ec3 sao ch\u00e9p th\u1ebb t\u1eeb n\u1ebfu ch\u1ee7 xe v\u00f4 t\u00ecnh l\u00e0m r\u01a1i, l\u00e0m m\u1ea5t ho\u1eb7c b\u1ecb k\u1ebb gian theo d\u00f5i l\u1ea5y c\u1eafp.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o v\u1ec7\/ Gi\u1ea3 m\u1ea1o b\u1ea3o v\u1ec7 \u0111\u1ec1 ngh\u1ecb \u0111\u1eadu xe gi\u00fap v\u00e0 l\u1ea5y c\u1eafp<\/h3>\n\n\n\n<p>V\u1ee5 vi\u1ec7c b\u1ea3o v\u1ec7 mang 4 \u00f4 t\u00f4 c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111i c\u1ea7m \u1edf m\u1ed9t chung c\u01b0 t\u1ea1i Qu\u1eadn 3, TP. HCM \u0111\u00e3 ch\u1ec9 ra kh\u00f4ng ph\u1ea3i b\u1ea3o v\u1ec7 t\u00f2a nh\u00e0 l\u00e0 c\u00f3 th\u1ec3 tin t\u01b0\u1edfng \u0111\u01b0\u1ee3c. V\u00ec bi\u1ebft t\u00e2m l\u00fd c\u01b0 d\u00e2n tin t\u01b0\u1edfng v\u00e0o b\u1ea3o v\u1ec7 c\u1ee7a t\u00f2a nh\u00e0, k\u1ebb gian l\u1ee3i d\u1ee5ng khi b\u00e3i xe \u0111\u00f4ng v\u00e0 kh\u00f3 \u0111\u1eadu, h\u1ecd s\u1ebd \u0111\u1ec1 ngh\u1ecb ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n giao l\u1ea1i ch\u00eca kh\u00f3a \u0111\u1ec3 s\u1eafp x\u1ebfp ch\u1ed7 \u0111\u1eadu gi\u00f9m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u1ea5y c\u1eafp b\u1ed9 ph\u1eadn xe<\/h3>\n\n\n\n<p>K\u1ebb gian \u0111\u1ed9t nh\u1eadp v\u00e0o chung c\u01b0 d\u01b0\u1edbi d\u1ea1ng kh\u00e1ch v\u00e3ng lai, sau \u0111\u00f3 l\u1ee3i d\u1ee5ng ban \u0111\u00eam \u0111\u1ec3 l\u1ea5y c\u1eafp b\u1ed9 ph\u1eadn xe nh\u01b0 g\u01b0\u01a1ng, c\u1ea7n g\u1ea1t, b\u00e1nh xe,&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Mat_xe_o_to_o_chung_cu_ai_se_boi_thuong\"><\/span><strong>II. M\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0, ai s\u1ebd b\u1ed3i th\u01b0\u1eddng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb Ban qu\u1ea3n l\u00fd chung c\u01b0<\/strong><\/h3>\n\n\n\n<p>Khi g\u1eedi \u00f4 t\u00f4 \u1edf chung c\u01b0, ch\u1ee7 \u00f4 t\u00f4 v\u00e0 Ban qu\u1ea3n l\u00fd ph\u1ea3i x\u00e1c l\u1eadp quan h\u1ec7 d\u00e2n s\u1ef1 th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng g\u1eedi &#8211; gi\u1eef, x\u00e1c nh\u1eadn qua th\u1ebb t\u1eeb ho\u1eb7c v\u00e9 ghi tay. Theo lu\u1eadt D\u00e2n s\u1ef1, b\u00ean nh\u1eadn g\u1eedi t\u00e0i s\u1ea3n n\u1ebfu \u0111\u1ec3 x\u1ea3y ra m\u1ea5t m\u00e1t hay h\u01b0 h\u1ecfng t\u00e0i s\u1ea3n th\u00ec ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 thi\u1ec7t h\u1ea1i cho ch\u1ee7 s\u1edf h\u1eefu.<\/p>\n\n\n\n<p>L\u01b0u \u00fd: B\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c Ban qu\u1ea3n l\u00fd b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i n\u1ebfu c\u00f2n gi\u1eef th\u1ebb xe. N\u1ebfu b\u1ea5t c\u1ea9n l\u00e0m m\u1ea5t th\u1ebb m\u00e0 kh\u00f4ng b\u00e1o cho b\u1ea3o v\u1ec7 hay ban qu\u1ea3n l\u00fd tr\u01b0\u1edbc \u0111\u00f3 th\u00ec khi x\u1ea3y ra m\u1ea5t m\u00e1t, Ban qu\u1ea3n l\u00fd s\u1ebd kh\u00f4ng ph\u1ea3i b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111\u00e3 mua <strong><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tu-nguyen-xe-o-to\/\" title=\"b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/strong>, c\u1ee5 th\u1ec3 l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 c\u00f3 quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng khi b\u1ecb m\u1ea5t c\u1eafp, h\u00e3y th\u00f4ng b\u00e1o v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 s\u1ef1 c\u1ed1 m\u1ea5t xe \u00f4 t\u00f4 c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng trong tr\u01b0\u1eddng h\u1ee3p Ban qu\u1ea3n l\u00fd kh\u00f4ng ch\u1ea5p nh\u1eadn b\u1ed3i th\u01b0\u1eddng theo nguy\u1ec7n v\u1ecdng c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>Theo quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 s\u1ebd b\u1ed3i th\u01b0\u1eddng cho tr\u01b0\u1eddng h\u1ee3p m\u1ea5t c\u1eafp to\u00e0n b\u1ed9 xe \u0111\u1ed1i v\u1edbi xe \u00f4 t\u00f4 g\u1eedi \u1edf b\u00e3i xe c\u00f3 thu ph\u00ed\/ c\u00f3 th\u00e0nh l\u1eadp quan h\u1ec7 d\u00e2n s\u1ef1 g\u1eedi &#8211; gi\u1eef \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n, do \u0111\u00f3 xe g\u1eedi \u1edf chung c\u01b0 \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p>C\u00f2n \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p m\u1ea5t c\u1eafp b\u1ed9 ph\u1eadn, c\u0169ng theo quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4, b\u1ea1n c\u1ea7n ph\u1ea3i mua th\u00eam quy\u1ec1n l\u1ee3i m\u1edf r\u1ed9ng \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng cho s\u1ef1 c\u1ed1 ch\u1ec9 b\u1ecb m\u1ea5t m\u1ed9t ph\u1ea7n b\u1ed9 ph\u1eadn g\u1eafn li\u1ec1n v\u1edbi xe.<\/p>\n\n\n\n<p>Tr\u01b0\u1edbc khi b\u00e1o l\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 <a href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/bao-hiem-tu-nguyen-xe-o-to-nao-se-boi-thuong-khi-xe-bi-trom-cap\/#III_Nhung_luu_y_yeu_cau_boi_thuong_bao_hiem_vat_chat_o_to_khi_bi_trom_xe\"><strong>Nh\u1eefng l\u01b0u \u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 khi b\u1ecb tr\u1ed9m xe<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>III. H\u1ea1n ch\u1ebf r\u1ee7i ro m\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0<\/strong><\/h3>\n\n\n\n<p>Nh\u00ecn chung, g\u1eedi xe \u00f4 t\u00f4 \u1edf chung c\u01b0 kh\u00e1 an to\u00e0n. Tuy nhi\u00ean, t\u1ed1t nh\u1ea5t l\u00e0 v\u1eabn n\u00ean t\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n l\u00e0 chi\u1ebfc xe c\u1ee7a m\u00ecnh, k\u1ec3 c\u1ea3 khi tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd ch\u00ednh thu\u1ed9c v\u1ec1 b\u1ea3o v\u1ec7 chung c\u01b0 b\u1eb1ng m\u1ed9t s\u1ed1 bi\u1ec7n ph\u00e1p:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u1eafp \u0111\u1eb7t c\u00e1c thi\u1ebft b\u1ecb ch\u1ed1ng tr\u1ed9m b\u00e1o hi\u1ec7u \u0111\u1ebfn \u0111i\u1ec7n tho\u1ea1i ch\u1ee7 xe n\u1ebfu c\u00f3 ng\u01b0\u1eddi t\u00e1c \u0111\u1ed9ng v\u00e0o xe.<\/li>\n\n\n\n<li>L\u1eafp kh\u00f3a ch\u1ed1ng tr\u1ed9m cho c\u00e1c b\u1ed9 ph\u1eadn \u0111\u1eaft ti\u1ec1n nh\u01b0 g\u01b0\u01a1ng xe, b\u00e1nh xe,&#8230;<\/li>\n\n\n\n<li>T\u1ef1 m\u00ecnh \u0111\u1eadu xe cho \u0111\u1ebfn khi t\u1eaft m\u00e1y, tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng giao ch\u00eca kh\u00f3a cho b\u1ea5t c\u1ee9 ai \u0111\u1eadu xe gi\u00fap, k\u1ec3 c\u1ea3 b\u1ea3o v\u1ec7.<\/li>\n\n\n\n<li>Khi l\u00e0m m\u1ea5t th\u1ebb xe, ph\u1ea3i b\u00e1o ngay cho b\u1ea3o v\u1ec7 ho\u1eb7c ban qu\u1ea3n l\u00fd chung c\u01b0 \u0111\u1ec3 kh\u00f3a th\u1ebb c\u0169, tr\u00e1nh k\u1ebb gian sao ch\u00e9p th\u1ebb v\u00e0 l\u1ea5y xe ra kh\u1ecfi chung c\u01b0.<\/li>\n\n\n\n<li>L\u00e0m quen, t\u01b0\u01a1ng t\u00e1c v\u1edbi b\u1ea3o v\u1ec7 m\u1ed7i l\u1ea7n qu\u1eb9t th\u1ebb ra v\u00e0o \u0111\u1ec3 t\u0103ng x\u00e1c su\u1ea5t b\u1ea3o v\u1ec7 s\u1ebd nh\u1edb b\u1ea1n l\u00e0 ch\u1ee7 nh\u00e2n chi\u1ebfc xe v\u00e0 t\u0103ng kh\u1ea3 n\u0103ng b\u1ea3o v\u1ec7 ph\u00e1t hi\u1ec7n k\u1ebb gian l\u00e1i xe c\u1ee7a b\u1ea1n ra kh\u1ecfi chung c\u01b0.<\/li>\n<\/ul>\n\n\n\n<p><strong>C\u1ea9m nang \u00f4 t\u00f4<\/strong>:  <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tai-nan-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tnds-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m TNDS \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-vat-chat-xe-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/kinh-nghiem-lai-xe-an-toan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">L\u00e1i xe an to\u00e0n<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/phuot-xuyen-viet\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Ph\u01b0\u1ee3t xuy\u00ean Vi\u1ec7t<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/thu-tuc-quy-dinh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh<\/span><\/a><\/p>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignfull has-background is-layout-constrained wp-container-core-group-is-layout-7b61d197 wp-block-group-is-layout-constrained\" style=\"background-color:#defdff;padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-70cc1671 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-fe6fb673 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-text-color has-superbfont-xlarge-font-size\" style=\"color:#1e3888\"><strong>B\u1ea2O HI\u1ec2M V\u1eacT CH\u1ea4T \u00d4 T\u00d4 5.0<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left has-text-color\" style=\"color:#1e3888;font-size:28px\"><strong>5 B\u01af\u1edaC MUA, 5 PH\u00daT XONG, D\u1ec4 NH\u01af KH\u00d4NG!<\/strong><\/p>\n<\/div>\n\n\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-42c93faa-2a57-4a45-813e-ae9ad97925a0\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  nofollow \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: rgb(20, 197, 96); --ub-button-color: rgb(255, 255, 255); --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span>T\u1ed5ng k\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>M\u1ea5t xe \u00f4 t\u00f4 \u1edf chung c\u01b0 l\u00e0 r\u1ee7i ro m\u00e0 kh\u00f4ng ph\u1ea3i chung c\u01b0 n\u00e0o c\u0169ng ch\u1ecbu b\u1ed3i th\u01b0\u1eddng. Do \u0111\u00f3, b\u1ea1n n\u00ean chu\u1ea9n b\u1ecb ph\u01b0\u01a1ng \u00e1n t\u1ef1 b\u1ea3o v\u1ec7 l\u00e0 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u1ec3 khi c\u00f3 s\u1ef1 c\u1ed1 m\u1ea5t m\u00e1t x\u1ea3y ra, \u0111\u1ed1i chi\u1ebfu theo quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4, b\u1ea1n ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng khi b\u1ecb m\u1ea5t xe \u00f4 t\u00f4 to\u00e0n b\u1ed9.<\/p>\n\n\n\n<p>&nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\"><strong>Saladin<\/strong>&nbsp;\u2013 n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7<\/a>&nbsp;k\u1ebft n\u1ed1i v\u1edbi&nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/saladin-baoviet-ki-ket-hop-tac-chien-luoc\/\">nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam<\/a>&nbsp;s\u1ebd gi\u00fap b\u1ea1n l\u1ef1a ch\u1ecdn v\u00e0&nbsp;<a href=\"https:\/\/www.saladin.vn\/bao-hiem-o-to\">mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a>&nbsp;th\u1eadt d\u1ec5 d\u00e0ng v\u1edbi \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m (<a href=\"https:\/\/www.saladin.vn\/bao-hiem-o-to\" title=\"b\u1ea3o hi\u1ec3m xe h\u01a1i b\u1eaft bu\u1ed9c\">b\u1ea3o hi\u1ec3m xe h\u01a1i b\u1eaft bu\u1ed9c<\/a>, <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" title=\"b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n\">b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n<\/a>,&nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-thuy-kich\/\">b\u1ea3o hi\u1ec3m th\u1ee7y k\u00edch<\/a>, <a href=\"https:\/\/www.saladin.vn\/bao-hiem-tai-nan\" title=\"b\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4\">b\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4<\/a>\u2026)<\/p>\n\n\n\n<p>H\u00e3y li\u00ean h\u1ec7 v\u1edbi&nbsp;<strong>Saladin<\/strong>&nbsp;\u0111\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn t\u01b0 v\u1ea5n k\u1ef9 c\u00e0ng v\u1ec1 c\u00e1c g\u00f3i&nbsp;<strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" title=\"\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/strong>&nbsp;ph\u00f9 h\u1ee3p. Ch\u1ec9 m\u1ed9t b\u01b0\u1edbc ph\u00f2ng ng\u1eeba \u0111\u01a1n gi\u1ea3n m\u00e0 hi\u1ec7u qu\u1ea3 n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n gi\u1ea3m t\u1ed5n th\u1ea5t n\u1ebfu \u00f4 t\u00f4 b\u1ecb \u0111\u00e1nh c\u1eafp \u0111\u1ea5y.<\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div 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has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#8cece0;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Website<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-7c3843d8-7f5c-4f60-8526-a7681251c1a4\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 496 512\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u1ee5 vi\u1ec7c b\u1ea3o v\u1ec7 chung c\u01b0 mang 4 \u00f4 t\u00f4 c\u1ee7a c\u01b0 d\u00e2n \u0111i c\u1ea7m (th\u00e1ng 12\/2022, TP. HCM) hay nhi\u1ec1u v\u1ee5 tr\u1ed9m c\u1eafp \u00f4 t\u00f4 tinh vi t\u1ea1i c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":11453,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[9],"tags":[117,190,118,189,192,93,237,45,55,253],"class_list":["post-11419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-o-to","tag-bao-hiem-tai-nan-o-to","tag-bao-hiem-than-vo-xe-o-to","tag-bao-hiem-tu-nguyen-xe-o-to","tag-bao-hiem-vat-chat-o-to","tag-bao-hiem-vat-chat-xe-o-to","tag-bao-hiem-xe-hoi-bat-buoc","tag-cac-loai-bao-hiem-o-to","tag-mua-bao-hiem-o-to-online","tag-mua-bao-hiem-o-to-truc-tuyen","tag-mua-bao-hiem-vat-chat-xe-o-to"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145320\/16.png","author_info":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"author_meta":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"featured_img":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06145320\/16-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a 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ago"},"absolute_dates":{"created":"Posted on 02\/01\/2023","modified":"Updated on 25\/04\/2024"},"absolute_dates_time":{"created":"Posted on 02\/01\/2023 7:55 AM","modified":"Updated on 25\/04\/2024 5:48 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