{"id":1358,"date":"2022-07-18T07:57:00","date_gmt":"2022-07-18T00:57:00","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=1358"},"modified":"2022-11-09T17:24:46","modified_gmt":"2022-11-09T10:24:46","slug":"bao-hiem-xe-may-tu-nguyen","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/bao-hiem-xe-may-tu-nguyen\/","title":{"rendered":"Ngo\u00e0i b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y c\u00f2n c\u00f3 b\u1ea3o hi\u1ec3m xe m\u00e1y n\u00e0o kh\u00e1c?"},"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-xe-may\/bao-hiem-xe-may-tu-nguyen\/#1_Bao_hiem_xe_may_tu_nguyen_la_gi\" >1. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec?<\/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-xe-may\/bao-hiem-xe-may-tu-nguyen\/#2_Cac_loai_bao_hiem_xe_may_tu_nguyen_hien_nay\" >2. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n hi\u1ec7n nay<\/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-xe-may\/bao-hiem-xe-may-tu-nguyen\/#3_Co_nen_mua_bao_hiem_xe_may_tu_nguyen_khong\" >3. C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n kh\u00f4ng?<\/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-xe-may\/bao-hiem-xe-may-tu-nguyen\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Khi n\u00f3i t\u1edbi \u201cb\u1ea3o hi\u1ec3m xe m\u00e1y\u201d ch\u1eafc h\u1eb3n b\u1ea1n s\u1ebd ngh\u0129 ngay t\u1edbi m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi tham gia giao th\u00f4ng, l\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho ch\u1ee7 xe c\u01a1 gi\u1edbi, hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0&nbsp;b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n s\u1ebd b\u1eaft bu\u1ed9c ph\u1ea3i mua khi s\u1edf h\u1eefu m\u1ed9t chi\u1ebfc xe m\u00e1y ho\u1eb7c d\u00f9ng xe m\u00e1y l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n di chuy\u1ec3n.<\/p>\n\n\n\n<p>Xem th\u00eam b\u00e0i vi\u1ebft:&nbsp;<strong><a href=\"https:\/\/news.saladin.vn\/bao-hiem-xe-may\/cau-hoi-bao-hiem-xe-may\/\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p khi mua b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y?<\/a><\/strong><\/p>\n\n\n\n<p>Nh\u01b0ng b\u1ea1n \u0111\u00e3 bao gi\u1edd th\u1eafc m\u1eafc r\u1eb1ng&nbsp;<strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 m\u1ea5y lo\u1ea1i<\/a><\/strong>?<\/p>\n\n\n\n<p>Th\u1eadt ra ngo\u00e0i <strong>b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong> th\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eafc t\u1edbi th\u00ec b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f2n c\u00f3 m\u1ed9t lo\u1ea1i h\u00ecnh kh\u00e1c l\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n. Trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y Saladin s\u1ebd gi\u00fap b\u1ea1n t\u00ecm hi\u1ec3u b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec, c\u00f3 nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n n\u00e0o v\u00e0 c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n hay kh\u00f4ng.<\/p>\n\n\n\n<h2 class=\"has-h-5-desktop-font-size wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_xe_may_tu_nguyen_la_gi\"><\/span><strong>1. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0110\u00fang nh\u01b0 t\u00ean g\u1ecdi c\u1ee7a m\u00ecnh, b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c, v\u00e0 b\u1ea1n s\u1ebd kh\u00f4ng b\u1ecb ph\u1ea1t n\u1ebfu tham gia giao th\u00f4ng m\u00e0 kh\u00f4ng c\u00f3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y. Ch\u1ee7 s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 th\u1ec3 ch\u1ecdn mua ho\u1eb7c kh\u00f4ng mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n tu\u1ef3 theo nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n kh\u00f4ng th\u1ec3 thay th\u1ebf \u0111\u01b0\u1ee3c&nbsp;<strong>b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong>. B\u1ea1n v\u1eabn s\u1ebd lu\u00f4n c\u1ea7n ph\u1ea3i mua lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c n\u00e0y cho chi\u1ebfc xe c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"has-h-5-desktop-font-size wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Cac_loai_bao_hiem_xe_may_tu_nguyen_hien_nay\"><\/span>2. <strong>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n hi\u1ec7n nay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"has-h-6-desktop-font-size wp-block-heading\">2.<strong>1. B\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong><\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe&nbsp;b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1edf tr\u00ean xe b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3 do tai n\u1ea1n khi \u0111ang tr\u00ean xe ho\u1eb7c khi l\u00ean xu\u1ed1ng xe trong qu\u00e1 tr\u00ecnh xe \u0111ang tham gia giao th\u00f4ng.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng tr\u01b0\u1eddng h\u1ee3p chi\u1ebfc xe g\u00e2y tai n\u1ea1n \u0111\u00e3 vi ph\u1ea1m lu\u1eadt an to\u00e0n giao th\u00f4ng (v\u00ed d\u1ee5 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe s\u1eed d\u1ee5ng v\u00e0 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi bia, r\u01b0\u1ee3u, ma tu\u00fd, ch\u1ea5t k\u00edch th\u00edch), ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 h\u00e0nh \u0111\u1ed9ng c\u1ed1 \u00fd t\u1ef1 g\u00e2y tai n\u1ea1n th\u00ec ch\u1eafc ch\u1eafn s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau s\u1ebd cung c\u1ea5p c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe kh\u00e1c nhau, v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, quy\u1ec1n l\u1ee3i kh\u00e1c nhau.<\/p>\n\n\n\n<p>Hi\u1ec7n t\u1ea1i, tr\u00ean trang web&nbsp;<a href=\"https:\/\/www.saladin.vn\/\">saladin.vn<\/a>&nbsp;v\u00e0 \u1ee9ng d\u1ee5ng Saladin tr\u00ean \u0111i\u1ec7n tho\u1ea1i cung c\u1ea5p s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe t\u1eeb c\u00e1c c\u00f4ng ty h\u00e0ng \u0111\u1ea7u nh\u01b0 B\u1ea3o hi\u1ec3m B\u1ea3o Minh, VNI, BSH, PVI v\u1edbi nhi\u1ec1u m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00e1c nhau. \u0110\u1eb7c bi\u1ec7t, B\u1ea3o hi\u1ec3m B\u1ea3o Minh c\u00f3 g\u00f3i s\u1ea3n ph\u1ea9m v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng 100 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/v\u1ee5.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng mua \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe tr\u00ean trang web v\u00e0 \u1ee9ng d\u1ee5ng Saladin ch\u1ec9 v\u1edbi thao t\u00e1c th\u00eam tu\u1ef3 ch\u1ecdn khi mua&nbsp;<strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong>.<\/p>\n\n\n\n<h3 class=\"has-h-6-desktop-font-size wp-block-heading\"><strong>2.2. B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe m\u00e1y<\/strong><\/h3>\n\n\n\n<p>\u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 ch\u1ee7 s\u1edf h\u1eefu chi\u1ebfc xe m\u00e1y \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi thi\u1ec7t h\u1ea1i x\u1ea3y ra v\u1edbi v\u1eadt ch\u1ea5t xe trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5:<\/strong>&nbsp;thi\u1ec7t h\u1ea1i do ho\u1ea3 ho\u1ea1n, ch\u00e1y, n\u1ed5 b\u1ea5t ng\u1edd<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m m\u1ea5t c\u1eafp, b\u1ecb c\u01b0\u1edbp to\u00e0n b\u1ed9 xe:<\/strong>&nbsp;xe b\u1ecb m\u1ea5t c\u1eafp t\u1ea1i c\u00e1c \u0111i\u1ec3m tr\u00f4ng gi\u1eef xe, t\u1ea1i nh\u00e0 ho\u1eb7c n\u01a1i c\u01b0 tr\u00fa khi b\u1ecb tr\u1ed9m \u0111\u1ed9t nh\u1eadp, ho\u1eb7c b\u1ecb c\u01b0\u1edbp<\/li>\n<\/ul>\n\n\n\n<p>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng c\u00f3 c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m kh\u00e1c nhau v\u1edbi c\u00e1c quy\u1ec1n l\u1ee3i, m\u1ee9c ph\u00ed v\u00e0 m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00e1c nhau tu\u1ef3 theo c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m do nguy\u00ean nh\u00e2n kh\u00e1c:<\/strong>&nbsp;thi\u1ec7t h\u1ea1i trong c\u00e1c t\u00ecnh hu\u1ed1ng ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t (thi\u00ean tai, \u0111\u00e2m, va, l\u1eadt \u0111\u1ed5, b\u1ecb v\u1eadt th\u1ec3 kh\u00e1c t\u00e1c \u0111\u1ed9ng)<\/li>\n<\/ul>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi ph\u01b0\u01a1ng ti\u1ec7n l\u00e0 xe m\u00e1y, so v\u1edbi b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe th\u00ec lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng ph\u1ed5 bi\u1ebfn b\u1eb1ng.<\/p>\n\n\n\n<h2 class=\"has-h-5-desktop-font-size wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Co_nen_mua_bao_hiem_xe_may_tu_nguyen_khong\"><\/span>3. <strong>C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tuy b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c nh\u01b0ng l\u1ea1i r\u1ea5t h\u1eefu \u00edch cho b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n v\u00e0 c\u00e1c r\u1ee7i ro khi l\u01b0u th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng. C\u1ea7n hi\u1ec3u r\u1eb1ng v\u1edbi&nbsp;<strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong>, c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho&nbsp;b\u00ean th\u1ee9 ba (l\u00e0 ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng, t\u00e0i s\u1ea3n nh\u01b0ng kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi l\u00e1i xe hay ng\u01b0\u1eddi ng\u1ed3i tr\u00ean chi\u1ebfc xe g\u00e2y tai n\u1ea1n). Th\u1ebf n\u00ean b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe s\u1ebd gi\u00fap gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh cho b\u1ea1n v\u00e0 gia \u0111\u00ecnh trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 s\u1ee9c kho\u1ebb, t\u00ednh m\u1ea1ng c\u1ee7a b\u1ea1n b\u1ecb \u1ea3nh h\u01b0\u1edfng trong tai n\u1ea1n do chi\u1ebfc xe c\u1ee7a b\u1ea1n g\u00e2y ra, ho\u1eb7c chi\u1ebfc xe c\u1ee7a b\u1ea1n g\u1eb7p s\u1ef1 c\u1ed1 v\u00e0 b\u1ecb h\u01b0 h\u1ecfng.<\/p>\n\n\n\n<p>Kho\u1ea3ng th\u1eddi gian cu\u1ed1i n\u0103m 2011 t\u1ea1i Vi\u1ec7t Nam ghi nh\u1eadn li\u00ean ti\u1ebfp nhi\u1ec1u v\u1ee5 ch\u00e1y n\u1ed5 xe m\u00e1y g\u00e2y hoang mang cho ng\u01b0\u1eddi d\u00e2n. V\u00e0 vi\u1ec7c x\u1ea3y ra c\u00e1c s\u1ef1 c\u1ed1 ch\u00e1y, n\u1ed5 xe m\u00e1y c\u0169ng kh\u00f4ng ph\u1ea3i vi\u1ec7c hi\u1ebfm khi x\u1ea3y ra. Th\u1ef1c t\u1ebf, trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p khi x\u1ea3y ra s\u1ef1 c\u1ed1 ch\u00e1y, n\u1ed5, s\u1ebd r\u1ea5t kh\u00f3 \u0111\u1ec3 t\u00ecm ra ng\u01b0\u1eddi s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ec1n b\u00f9 thi\u1ec7t h\u1ea1i cho chi\u1ebfc xe b\u1edfi l\u1ebd kh\u00f3 c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 ch\u1ee7 xe khi\u1ebfu n\u1ea1i v\u1edbi nh\u00e0 s\u1ea3n xu\u1ea5t. V\u00ec th\u1ebf, vi\u1ec7c s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 xe m\u00e1y s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i v\u1ec1 kinh t\u1ebf cho b\u1ea1n n\u1ebfu kh\u00f4ng may x\u1ea3y ra s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/08\/bao-hiem-xe-may-tu-nguyen.png\" alt=\"\" class=\"wp-image-1733\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/12112605\/bao-hiem-xe-may-tu-nguyen.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/12112605\/bao-hiem-xe-may-tu-nguyen-300x120.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/12112605\/bao-hiem-xe-may-tu-nguyen-768x308.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-h-5-desktop-font-size wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hi v\u1ecdng b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e2y \u0111\u00e3 cho b\u1ea1n nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n d\u00e0nh cho xe m\u00e1y, gi\u00fap b\u1ea1n l\u1ef1a ch\u1ecdn s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i l\u01b0u \u00fd th\u00eam m\u1ed9t l\u1ea7n n\u1eefa r\u1eb1ng c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00f4ng th\u1ec3 thay th\u1ebf cho&nbsp;<strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong>. B\u1ea1n v\u1eabn s\u1ebd b\u1ecb coi l\u00e0 vi ph\u1ea1m v\u00e0 b\u1ecb x\u1eed ph\u1ea1t n\u1ebfu kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f4ng mang theo gi\u1ea5y ch\u1ee9ng nh\u1eadn&nbsp;b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y&nbsp;c\u00f2n hi\u1ec7u l\u1ef1c khi tham gia giao th\u00f4ng. M\u1ee9c ph\u1ea1t ti\u1ec1n cho vi ph\u1ea1m n\u00e0y l\u00e0 t\u1eeb 100.000 VN\u0110 \u0111\u1ebfn 200.000 VN\u0110 (<em>theo quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 2, \u0110i\u1ec1u 21,&nbsp;<\/em><a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Vi-pham-hanh-chinh\/Nghi-dinh-100-2019-ND-CP-xu-phat-vi-pham-hanh-chinh-linh-vuc-giao-thong-duong-bo-va-duong-sat-426369.aspx\" target=\"_blank\" rel=\"noopener nofollow\"><em>Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP<\/em><\/a><em>&nbsp;v\u00e0 Kho\u1ea3n 11, \u0110i\u1ec1u 16,&nbsp;<a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Vi-pham-hanh-chinh\/Nghi-dinh-123-2021-ND-CP-sua-doi-Nghi-dinh-xu-phat-vi-pham-hanh-chinh-linh-vuc-hang-hai-477975.aspx\" target=\"_blank\" rel=\"noopener nofollow\">Ngh\u1ecb \u0111\u1ecbnh 123\/2021\/N\u0110-CP<\/a><\/em>).&nbsp;V\u00ec&nbsp;v\u1eady, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u00e3 mua&nbsp;b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y&nbsp;cho chi\u1ebfc xe th\u00e2n y\u00eau c\u1ee7a m\u00ecnh nh\u00e9.<\/p>\n\n\n\n<p>C\u00f2n n\u1ebfu b\u1ea1n ch\u01b0a s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c n\u00e0y, th\u00ec b\u1ea1n c\u00f3 th\u1ec3 mua m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng t\u1ea1i trang web&nbsp;<a href=\"https:\/\/www.saladin.vn\/\">saladin.vn<\/a> v\u00e0 \u1ee9ng d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i Saladin nh\u00e9!<\/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 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\n\n\n<p class=\"has-text-align-center has-primary-700-color has-primary-50-background-color has-text-color has-background\"><em><strong>Mua&nbsp;<a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y<\/a>&nbsp;v\u00e0&nbsp;b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe th\u1eadt nhanh ch\u00f3ng v\u00e0 ti\u1ec7n l\u1ee3i v\u1edbi&nbsp;<a href=\"https:\/\/www.saladin.vn\/\">Saladin b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7<\/a>.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Khi n\u00f3i t\u1edbi \u201cb\u1ea3o hi\u1ec3m xe m\u00e1y\u201d ch\u1eafc h\u1eb3n b\u1ea1n s\u1ebd ngh\u0129 ngay t\u1edbi m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi tham gia giao th\u00f4ng, l\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m 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