{"id":11865,"date":"2026-03-06T09:00:00","date_gmt":"2026-03-06T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=11865"},"modified":"2026-04-07T15:18:43","modified_gmt":"2026-04-07T08:18:43","slug":"muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/","title":{"rendered":"M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf &#038; \u0111i\u1ec1u ki\u1ec7n b\u1ed3i th\u01b0\u1eddng cho \u00f4 t\u00f4 ng\u1eadp n\u01b0\u1edbc d\u01b0\u1edbi h\u1ea7m chung c\u01b0"},"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\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/#I_Muc_khau_tru_bao_hiem_than_vo_o_to_la_bao_nhieu\" >I.  M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 bao nhi\u00eau?<\/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\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/#II_Dieu_kien_boi_thuong_neu_o_to_bi_ngap_nuoc_khi_gui_ham_chung_cu\" >II. \u0110i\u1ec1u ki\u1ec7n b\u1ed3i th\u01b0\u1eddng n\u1ebfu \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc khi g\u1eedi h\u1ea7m chung c\u01b0<\/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\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/#III_Cach_yeu_cau_boi_thuong_khi_o_to_bi_ngap_nuoc_trong_luc_gui_ham_chung_cu\" >III. C\u00e1ch y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng khi \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc trong l\u00fac g\u1eedi h\u1ea7m chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/#IV_Muc_boi_thuong_bao_hiem_than_vo_o_to_la_bao_nhieu\" >IV. M\u1ee9c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Nh\u1eefng t\u01b0\u1edfng g\u1eedi \u00f4 t\u00f4 trong h\u1ea7m chung c\u01b0 l\u00e0 n\u01a1i an to\u00e0n nh\u1ea5t, nh\u01b0ng th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 nh\u1eefng c\u01a1n m\u01b0a b\u00e3o c\u1ef1c l\u1edbn khi\u1ebfn h\u1ea7m xe b\u1ecb ng\u1eadp, g\u00e2y h\u01b0 h\u1ecfng n\u1eb7ng n\u1ec1 cho nhi\u1ec1u xe h\u01a1i g\u1eedi d\u01b0\u1edbi h\u1ea7m. C\u00f9ng Saladin t\u00ecm hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc d\u01b0\u1edbi h\u1ea7m chung c\u01b0 v\u00e0 quy \u0111\u1ecbnh <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" target=\"_blank\" rel=\"noopener\" title=\"m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf\">m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf<\/a> ngay d\u01b0\u1edbi \u0111\u00e2y nh\u00e9.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/14102347\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu-1024x683.jpg\" alt=\"\" class=\"wp-image-12564\" style=\"width:1024px;height:683px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/14102347\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/14102347\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/14102347\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/14102347\/muc-khau-tru-bao-hiem-than-vo-o-to-ngap-nuoc-gui-ham-chung-cu.jpg 1500w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Muc_khau_tru_bao_hiem_than_vo_o_to_la_bao_nhieu\"><\/span>I. <strong> M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4<\/strong> l\u00e0 bao nhi\u00eau?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 s\u1ed1 ti\u1ec1n c\u1ed1 \u0111\u1ecbnh m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i t\u1ef1 tr\u1ea3 trong m\u1ed7i v\u1ee5 t\u1ed5n th\u1ea5t.&nbsp;<\/p>\n\n\n\n<p><strong>M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 t\u1ed1i thi\u1ec3u th\u01b0\u1eddng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 500.000 \u0111\u1ed3ng\/ v\u1ee5<\/strong>. B\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c kh\u1ea5u tr\u1eeb cao h\u01a1n nh\u01b0ng kh\u00f4ng th\u1ec3 h\u1ea1 m\u1ee9c kh\u1ea5u tr\u1eeb xu\u1ed1ng th\u1ea5p h\u01a1n m\u1ee9c t\u1ed1i thi\u1ec3u n\u00e0y.<\/p>\n\n\n\n<p>M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 s\u1ebd gi\u00fap b\u1ea1n gi\u1ea3m chi ph\u00ed b\u1ea3o hi\u1ec3m n\u1ebfu c\u00f3 nhu c\u1ea7u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Dieu_kien_boi_thuong_neu_o_to_bi_ngap_nuoc_khi_gui_ham_chung_cu\"><\/span><strong>II. \u0110i\u1ec1u ki\u1ec7n b\u1ed3i th\u01b0\u1eddng n\u1ebfu \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc khi g\u1eedi h\u1ea7m chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\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-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<p>Khi \u0111\u0103ng k\u00fd g\u1eedi xe \u00f4 t\u00f4 t\u1ea1i h\u1ea7m ho\u1eb7c nh\u00e0 xe chung c\u01b0, ch\u1ee7 xe ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng g\u1eedi gi\u1eef t\u00e0i s\u1ea3n v\u00e0 \u0111\u00f3ng ph\u00ed g\u1eedi xe cho ban qu\u1ea3n l\u00fd t\u00f2a nh\u00e0 ho\u1eb7c ch\u1ee7 \u0111\u1ea7u t\u01b0. Theo \u0111\u00f3, b\u1ea1n x\u00e1c l\u1eadp h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0111\u00f3ng ph\u00ed cho \u0111\u01a1n v\u1ecb n\u00e0o th\u00ec \u0111\u01a1n v\u1ecb \u0111\u00f3 c\u00f3 tr\u00e1ch nhi\u1ec7m gi\u1eef, b\u1ea3o qu\u1ea3n v\u00e0 tr\u1ea3 l\u1ea1i t\u00e0i s\u1ea3n theo \u0111\u00fang t\u00ecnh tr\u1ea1ng nh\u01b0 khi nh\u1eadn gi\u1eef khi h\u1ebft th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, \u1edf \u0111\u00e2y l\u00e0 chi\u1ebfc xe.<\/p>\n\n\n\n<p>N\u1ebfu trong th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c nh\u1eadn gi\u1eef b\u1ecb thi\u1ec7t h\u1ea1i, h\u01b0 h\u1ecfng do m\u01b0a l\u1edbn th\u00ec vi\u1ec7c b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo 2 tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<figure class=\"wp-block-image aligncenter size-full\"><a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"828\" height=\"972\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/07132837\/banner-bao-hiem-vat-chat-xe-o-to.jpg\" alt=\"\" class=\"wp-image-26564\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/07132837\/banner-bao-hiem-vat-chat-xe-o-to.jpg 828w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/07132837\/banner-bao-hiem-vat-chat-xe-o-to-256x300.jpg 256w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/07132837\/banner-bao-hiem-vat-chat-xe-o-to-768x902.jpg 768w\" sizes=\"auto, (max-width: 828px) 100vw, 828px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">N\u1ebfu vi\u1ec7c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i  \u0111\u00e3 \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng <\/h3>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u00ean gi\u1eef xe ph\u1ea3i gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng theo \u0111\u00fang th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">N\u1ebfu vi\u1ec7c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i kh\u00f4ng c\u00f3 trong h\u1ee3p \u0111\u1ed3ng <\/h3>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p n\u00e0y b\u00ean gi\u1eef t\u00e0i s\u1ea3n c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i n\u1ebfu l\u00e0m m\u1ea5t ho\u1eb7c h\u01b0 h\u1ecfng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c g\u1eedi gi\u1eef, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u1ea5t kh\u1ea3 kh\u00e1ng.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Thi\u1ec7t h\u1ea1i n\u1eb1m trong tr\u01b0\u1eddng h\u1ee3p b\u1ea5t kh\u1ea3 kh\u00e1ng<\/strong> (m\u01b0a to kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1o tr\u01b0\u1edbc, h\u1ec7 th\u1ed1ng tho\u00e1t n\u01b0\u1edbc ho\u1ea1t \u0111\u1ed9ng b\u00ecnh th\u01b0\u1eddng \u0111\u00fang quy \u0111\u1ecbnh v\u00e0 ban qu\u1ea3n l\u00fd \u0111\u00e3 l\u00e0m m\u1ecdi bi\u1ec7n ph\u00e1p kh\u1eafc ph\u1ee5c nh\u01b0ng h\u1ea7m xe v\u1eabn b\u1ecb ng\u1eadp), <strong>b\u00ean gi\u1eef xe kh\u00f4ng ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho ch\u1ee7 xe.<\/strong><\/li>\n\n\n\n<li><strong>Thi\u1ec7t h\u1ea1i n\u1eb1m trong ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng<\/strong> (vi\u1ec7c m\u01b0a to, ng\u1eadp h\u1ea7m \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e1o tr\u01b0\u1edbc nh\u01b0ng ban qu\u1ea3n l\u00fd kh\u00f4ng c\u00f3 bi\u1ec7n ph\u00e1p ph\u00f2ng tr\u00e1nh ng\u1eadp ho\u1eb7c kh\u00f4ng c\u00f3 h\u1ec7 th\u1ed1ng tho\u00e1t n\u01b0\u1edbc \u0111\u00fang quy \u0111\u1ecbnh), <strong>b\u00ean gi\u1eef xe ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho ch\u1ee7 xe.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, n\u1ebfu ch\u1ee7 xe c\u00f3 mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 th\u00ec b\u00ean b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 c\u00e1c kho\u1ea3n thi\u1ec7t h\u1ea1i cho ch\u1ee7 xe theo th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 giao k\u1ebft.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Cach_yeu_cau_boi_thuong_khi_o_to_bi_ngap_nuoc_trong_luc_gui_ham_chung_cu\"><\/span><strong>III. C\u00e1ch y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng khi \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc trong l\u00fac g\u1eedi h\u1ea7m chung c\u01b0<\/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<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu xe \u00f4 t\u00f4 c\u1ee7a b\u1ea1n g\u1eedi d\u01b0\u1edbi h\u1ea7m chung c\u01b0 m\u00e0 b\u1ecb h\u01b0 h\u1ecfng do m\u01b0a l\u1edbn d\u1eabn \u0111\u1ebfn ng\u1eadp n\u01b0\u1edbc, vi\u1ec7c \u0111\u1ea7u ti\u00ean b\u1ea1n n\u00ean l\u00e0m l\u00e0 t\u1ef1 th\u01b0\u01a1ng l\u01b0\u1ee3ng, th\u1ecfa thu\u1eadn v\u1ec1 ph\u01b0\u01a1ng \u00e1n kh\u1eafc ph\u1ee5c thi\u1ec7t h\u1ea1i v\u1edbi Ban qu\u1ea3n l\u00fd.&nbsp;<\/p>\n\n\n\n<p>N\u1ebfu th\u01b0\u01a1ng l\u01b0\u1ee3ng kh\u00f4ng th\u00e0nh c\u00f4ng, b\u1ea1n c\u00f3 th\u1ec3 g\u1eedi \u0111\u01a1n ki\u1ec7n l\u00ean T\u00f2a \u00e1n \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c quy\u1ec1n v\u00e0 l\u1ee3i \u00edch h\u1ee3p ph\u00e1p \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/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>B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 l\u00e0 ph\u01b0\u01a1ng \u00e1n an to\u00e0n v\u00e0 \u0111\u1ea3m b\u1ea3o cho vi\u1ec7c b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed s\u1eeda xe n\u1ebfu xe b\u1ecb h\u1ecfng do ng\u1eadp n\u01b0\u1edbc trong h\u1ea7m chung c\u01b0.&nbsp;<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111\u00e3 mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ghi r\u00f5 quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do nguy\u00ean nh\u00e2n ng\u1eadp n\u01b0\u1edbc, b\u1ea1n h\u00e3y <strong>g\u1eedi th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ed3ng th\u1eddi li\u00ean h\u1ec7 ngay hotline c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong> n\u00eau r\u00f5 thi\u1ec7t h\u1ea1i v\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh t\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m trong th\u1eddi gian s\u1edbm nh\u1ea5t. B\u1ea1n c\u1ea7n <strong>gi\u1eef nguy\u00ean hi\u1ec7n tr\u01b0\u1eddng t\u1ed5n th\u1ea5t<\/strong> v\u00e0 \u0111\u1eb7c bi\u1ec7t kh\u00f4ng \u0111\u01b0\u1ee3c th\u1eed kh\u1edfi \u0111\u1ed9ng m\u00e1y, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y ra h\u01b0 h\u1ecfng nghi\u00eam tr\u1ecdng cho \u0111\u1ed9ng c\u01a1 sau khi b\u1ecb ng\u1eadp n\u01b0\u1edbc v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p>Sau khi \u0111\u1ee7 h\u1ed3 s\u01a1, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ea3o l\u00e3nh thanh to\u00e1n chi ph\u00ed t\u1ea1i gara s\u1eeda xe \u00f4 t\u00f4. B\u1ea1n ch\u1ec9 c\u1ea7n k\u00fd v\u00e0o bi\u00ean b\u1ea3n nghi\u1ec7m thu v\u00e0 h\u1ee3p \u0111\u1ed3ng l\u00e0 c\u00f3 th\u1ec3 nh\u1eadn xe v\u1ec1.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1ef1c tuy\u1ebfn tr\u00ean <a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" target=\"_blank\" rel=\"noopener\" title=\"\">n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m \u0111a gi\u1ea3i ph\u00e1p <strong>Saladin<\/strong><\/a> \u0111\u1ec3 m\u1ecdi quy tr\u00ecnh \u0111\u1ec1u c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n online nhanh ch\u00f3ng, d\u1ec5 d\u00e0ng v\u00e0 ti\u1ec7n l\u1ee3i h\u01a1n, \u0111\u1ed3ng th\u1eddi \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn nh\u1ea5t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IV_Muc_boi_thuong_bao_hiem_than_vo_o_to_la_bao_nhieu\"><\/span><strong>IV. M\u1ee9c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 l\u00e0 bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. <\/strong>Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u00f4 t\u00f4 ng\u1eadp n\u01b0\u1edbc v\u1edbi BQL chung c\u01b0<\/h3>\n\n\n\n<p>M\u1ee9c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ban qu\u1ea3n l\u00fd chung c\u01b0 n\u1ebfu \u00f4 t\u00f4 b\u1ecb h\u01b0 h\u1ecfng do ng\u1eadp h\u1ea7m chung c\u01b0 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chi ph\u00ed s\u1eeda xe, kh\u1eafc ph\u1ee5c thi\u1ec7t h\u1ea1i c\u1ee7a xe \u00f4 t\u00f4 b\u1ecb h\u1ecfng<\/strong>, c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean b\u00e1o gi\u00e1 c\u1ee7a \u0111\u01a1n v\u1ecb s\u1eeda ch\u1eefa xe.<\/li>\n\n\n\n<li><strong>Ph\u1ea7n thu nh\u1eadp th\u1ef1c t\u1ebf b\u1ecb gi\u1ea3m s\u00fat ho\u1eb7c m\u1ea5t \u0111i do xe \u00f4 t\u00f4 b\u1ecb h\u1ecfng<\/strong>, trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n l\u00e0 t\u00e0i x\u1ebf taxi, xe c\u00f4ng ngh\u1ec7, shipper,&#8230;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. M\u1ee9c b\u1ed3i th\u01b0\u1eddng \u00f4 t\u00f4 ng\u1eadp n\u01b0\u1edbc theo quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<p>\u200b\u200b<strong>M\u1ee9c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i \u00f4 t\u00f4 do nguy\u00ean nh\u00e2n t\u1eeb nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a thi\u00ean tai s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf v\u00e0 k\u1ebft qu\u1ea3 gi\u00e1m \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng chi ph\u00ed s\u1eeda ch\u1eefa kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 75% gi\u00e1 tr\u1ecb xe.<\/strong><\/p>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p xe kh\u00f4ng th\u1ec3 s\u1eeda ch\u1eefa \u0111\u01b0\u1ee3c n\u1eefa, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb xe theo gi\u00e1 tr\u1ecb tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra t\u1ed5n th\u1ea5t v\u00e0 ti\u1ebfn h\u00e0nh thu h\u1ed3i l\u1ea1i xe \u00f4 t\u00f4 c\u1ee7a b\u1ea1n.&nbsp;<\/p>\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><br>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ea1n ch\u1ebf t\u1ed1i \u0111a thi\u1ec7t h\u1ea1i v\u1ec1 ph\u1ea7n m\u00ecnh khi \u00f4 t\u00f4 b\u1ecb ng\u1eadp n\u01b0\u1edbc, ch\u1ee7 xe n\u00ean tham gia b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4 t\u1eeb s\u1edbm &amp; hi\u1ec3u r\u00f5 m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u0111\u1ec3 ch\u1eafc ch\u1eafn \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 chi ph\u00ed s\u1eeda ch\u1eefa \u00f4 t\u00f4 trong h\u1ea7u h\u1ebft m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. <\/p>\n\n\n\n<p>\u0110\u1eebng qu\u00ean, b\u1ea1n c\u00f3 th\u1ec3\u00a0<strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-o-to\" target=\"_blank\" rel=\"noopener\" title=\"\">mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a><\/strong>\u00a0v\u00e0\u00a0<strong>y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn d\u1ec5 d\u00e0ng<\/strong>\u00a0th\u00f4ng qua\u00a0<strong><a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" target=\"_blank\" rel=\"noopener\" title=\"\">n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 Saladin<\/a><\/strong>.<\/p>\n\n\n\n<p>C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m th\u1ee7y k\u00edch, b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4\u2026 t\u1eeb nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam\u00a0<strong>(b\u1ea3o hi\u1ec3m B\u1ea3o Vi\u1ec7t, B\u1ea3o Minh, b\u1ea3o hi\u1ec3m Liberty, VNI, b\u1ea3o hi\u1ec3m PVI \u2026)<\/strong>\u00a0s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 c\u1ee9u h\u1ed9, gi\u00e1m \u0111\u1ecbnh v\u00e0 s\u1eeda ch\u1eefa \u00f4 t\u00f4 t\u1ea1i h\u1ec7 th\u1ed1ng gara t\u1ed1t nh\u1ea5t tr\u00ean m\u1ecdi mi\u1ec1n \u0111\u1ea5t n\u01b0\u1edbc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C\u1ea9m nang \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<p><span style=\"background-color:#f0fdf4\"><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/luat-giao-thong\/\" target=\"_blank\" rel=\"noopener\" title=\"Lu\u1eadt giao th\u00f4ng\">Lu\u1eadt giao th\u00f4ng<\/a><\/span>&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>&nbsp; &nbsp;<span style=\"background-color:#f0fdf4\"><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/an-toan-giao-thong\/\" target=\"_blank\" rel=\"noopener\" title=\"\">An to\u00e0n giao th\u00f4ng<\/a><\/span><\/p>\n\n\n\n<p><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;<\/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 class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/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-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;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>Email<\/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\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator 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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\n\n\n<p><em><em><em><em>B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea7n cu\u1ed1i v\u00e0o Th\u1ee9 S\u00e1u, ng\u00e0y 06 th\u00e1ng 03 n\u0103m 2026.<\/em><\/em><\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng t\u01b0\u1edfng g\u1eedi \u00f4 t\u00f4 trong h\u1ea7m chung c\u01b0 l\u00e0 n\u01a1i an to\u00e0n nh\u1ea5t, nh\u01b0ng th\u1ef1c t\u1ebf \u0111\u00e3 c\u00f3 nh\u1eefng c\u01a1n m\u01b0a b\u00e3o c\u1ef1c l\u1edbn khi\u1ebfn h\u1ea7m xe b\u1ecb ng\u1eadp, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":12562,"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":[268,190,193,189,192,267,57,81,306,251,212,242,224,253,271,213,211,285,58,61],"class_list":["post-11865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-o-to","tag-bao-hiem-than-vo-danh-cho-xe-o-to","tag-bao-hiem-than-vo-xe-o-to","tag-bao-hiem-vat-chat-danh-cho-xe-o-to","tag-bao-hiem-vat-chat-o-to","tag-bao-hiem-vat-chat-xe-o-to","tag-bao-hiem-xe-o-to-than-vo","tag-cach-su-dung-bao-hiem-than-vo-xe-o-to","tag-cach-tinh-tien-bao-hiem-than-vo-xe-o-to","tag-chi-phi-bao-hiem-than-vo-xe-o-to","tag-gia-mua-bao-hiem-than-vo-o-to","tag-goi-bao-hiem-than-vo-xe-o-to","tag-mua-bao-hiem-than-vo-o-to","tag-mua-bao-hiem-than-vo-xe-o-to","tag-mua-bao-hiem-vat-chat-xe-o-to","tag-mua-bao-hiem-vat-chat-xe-o-to-hang-nao","tag-phi-bao-hiem-than-vo","tag-phi-bao-hiem-than-vo-xe-o-to","tag-phi-bao-hiem-vat-chat-xe-o-to","tag-quy-dinh-bao-hiem-than-vo-xe-o-to","tag-thu-tuc-bao-hiem-than-vo-xe-o-to"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/14102116\/32.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\/14102116\/32-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a 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class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 th\u00e2n v\u1ecf<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">c\u00e1ch s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">c\u00e1ch t\u00ednh ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">chi ph\u00ed b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">gi\u00e1 mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">g\u00f3i b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 h\u00e3ng n\u00e0o<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">ph\u00ed b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">ph\u00ed b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">th\u1ee7 t\u1ee5c b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf d\u00e0nh cho xe \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o 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