{"id":2031,"date":"2022-08-24T18:36:41","date_gmt":"2022-08-24T11:36:41","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=2031"},"modified":"2022-11-09T17:25:44","modified_gmt":"2022-11-09T10:25:44","slug":"phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen\/","title":{"rendered":"Ph\u00e2n bi\u1ec7t c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c v\u00e0 b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n"},"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\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen\/#1_Bao_hiem_xe_may_bat_buoc_la_gi\" >1. B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c l\u00e0 g\u00ec?&nbsp;<\/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\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen\/#2_Bao_hiem_xe_may_tu_nguyen_la_gi\" >2. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec?&nbsp;<\/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\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen\/#3_Bao_hiem_xe_may_bat_buoc_khac_gi_so_voi_bao_hiem_xe_may_tu_nguyen\" >3. B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c kh\u00e1c g\u00ec so v\u1edbi b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n?&nbsp;<\/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\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>N\u1ebfu vi\u1ec7c \u0111\u1ed9i n\u00f3n b\u1ea3o hi\u1ec3m gi\u00fap b\u1ea1n an t\u00e2m tr\u01b0\u1edbc khi l\u00e1i xe ra \u0111\u01b0\u1eddng, th\u00ec mang theo chi\u1ebfc b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y khi tham gia giao th\u00f4ng s\u1ebd l\u00e0 s\u1ef1 b\u1ea3o v\u1ec7 cho chi\u1ebfc \u201ch\u1ea7u bao\u201d kh\u1ecfi nh\u1eefng r\u1ee7i ro t\u00e0i ch\u00ednh. Ngo\u00e0i b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c, b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n c\u0169ng l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 gi\u00fap ho\u00e0n thi\u1ec7n danh s\u00e1ch nh\u1eefng kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 c\u00f3 cho chi\u1ebfc x\u1ebf c\u01b0ng c\u1ee7a b\u1ea1n. V\u1eady \u0111\u00e2u l\u00e0 \u0111i\u1ec3m kh\u00e1c bi\u1ec7t v\u1ec1 <strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/strong> b\u1eaft bu\u1ed9c v\u00e0 b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n? H\u00e3y tham kh\u1ea3o b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y \u0111\u1ec3 hi\u1ec3u h\u01a1n v\u1ec1 hai lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y nh\u00e9!<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/08\/phan-biet-cong-dung-bao-hiem-xe-may-1024x683.jpg\" alt=\"\" class=\"wp-image-2059\" width=\"646\" height=\"431\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/25135043\/phan-biet-cong-dung-bao-hiem-xe-may-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/25135043\/phan-biet-cong-dung-bao-hiem-xe-may-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/25135043\/phan-biet-cong-dung-bao-hiem-xe-may-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/25135043\/phan-biet-cong-dung-bao-hiem-xe-may-1536x1024.jpg 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/25135043\/phan-biet-cong-dung-bao-hiem-xe-may.jpg 1600w\" sizes=\"auto, (max-width: 646px) 100vw, 646px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_xe_may_bat_buoc_la_gi\"><\/span><strong>1. B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c l\u00e0 g\u00ec?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 58 Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9, ng\u01b0\u1eddi tham gia giao th\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i mang theo b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y. N\u1ebfu b\u1ea1n v\u00f4 t\u00ecnh l\u00e0m m\u1ea5t ho\u1eb7c kh\u00f4ng \u0111em theo th\u1ebb b\u1ea3o hi\u1ec3m th\u00ec c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 100.000 \u0111\u1ebfn 200.000 \u0111\u1ed3ng <em>(c\u0103n c\u1ee9 <\/em><a href=\"https:\/\/luatvietnam.vn\/vi-pham-hanh-chinh\/nghi-dinh-100-2019-nd-cp-xu-phat-vi-pham-giao-thong-179619-d1.html\" rel=\"nofollow\"><em>\u0111i\u1ec3m a kho\u1ea3n 2 \u0110i\u1ec1u 21 Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP<\/em><\/a><em>). <\/em>B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c b\u1ea3o v\u1ec7 ch\u1ee7 xe c\u01a1 gi\u1edbi v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh khi x\u1ea3y ra tai n\u1ea1n g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 xe, t\u1ed1i \u0111a 150 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/ v\u1ee5 tai n\u1ea1n.<\/p>\n\n\n\n<p>Theo \u0110i\u1ec1u 14 Ngh\u1ecb \u0111\u1ecbnh 03, nguy\u00ean t\u1eafc b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c bao g\u1ed3m c\u00e1c m\u1ee5c sau:&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow advgb-dyn-1c5c01e5\">\n<p>Khi tai n\u1ea1n x\u1ea3y ra, trong ph\u1ea1m vi m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng ho\u1eb7c s\u1ebd ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng may qua \u0111\u1eddi, m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng tr\u1ef1c ti\u1ebfp cho ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i ho\u1eb7c ng\u01b0\u1eddi th\u1eeba k\u1ebf c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i (trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i \u0111\u00e3 ch\u1ebft) ho\u1eb7c \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i (trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n ho\u1eb7c ch\u01b0a \u0111\u1ee7 s\u00e1u tu\u1ed5i).<\/p>\n<\/blockquote>\n\n\n\n<p>M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3 cho t\u1eebng lo\u1ea1i th\u01b0\u01a1ng t\u1eadt, thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo B\u1ea3ng quy \u0111\u1ecbnh tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi theo quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c 1 ban h\u00e0nh k\u00e8m theo Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP ho\u1eb7c theo theo tho\u1ea3 thu\u1eadn (n\u1ebfu c\u00f3) gi\u1eefa ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i ho\u1eb7c ng\u01b0\u1eddi th\u1eeba k\u1ebf ho\u1eb7c \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i, nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c b\u1ed3i th\u01b0\u1eddng quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c I.<\/p>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n th\u00ec c\u0103n c\u1ee9 v\u00e0o quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c b\u1ed3i th\u01b0\u1eddng quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c I.<\/p>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p nhi\u1ec1u xe c\u01a1 gi\u1edbi g\u00e2y tai n\u1ea1n d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u01b0ng t\u1ed5ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi v\u1ee5 tai n\u1ea1n \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n x\u00e1c \u0111\u1ecbnh nguy\u00ean nh\u00e2n do l\u1ed7i ho\u00e0n to\u00e0n c\u1ee7a b\u00ean th\u1ee9 ba, th\u00ec m\u1ee9c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng thu\u1ed9c b\u00ean th\u1ee9 ba b\u1eb1ng 50% m\u1ee9c b\u1ed3i th\u01b0\u1eddng quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c I ho\u1eb7c theo tho\u1ea3 thu\u1eadn nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 50% m\u1ee9c b\u1ed3i th\u01b0\u1eddng quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c I.<\/p>\n\n\n\n<p>T\u1eeb 01\/3\/2021, m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi do xe c\u01a1 gi\u1edbi g\u00e2y ra l\u00e0 150 tri\u1ec7u \u0111\u1ed3ng\/01 ng\u01b0\u1eddi\/01 v\u1ee5 tai n\u1ea1n (theo Th\u00f4ng t\u01b0 04).<\/p>\n\n\n\n<p>M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n\/01 v\u1ee5 tai n\u1ea1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf v\u00e0 theo m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, t\u1ed1i \u0111a 50 tri\u1ec7u \u0111\u1ed3ng\/ 1 ng\u01b0\u1eddi \/ 1 v\u1ee5 tai n\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Bao_hiem_xe_may_tu_nguyen_la_gi\"><\/span><strong>2. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a vi\u1ec7c b\u1ea3o v\u1ec7 x\u1ebf y\u00eau v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n bao g\u1ed3m nh\u1eefng r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra v\u1edbi xe c\u1ee7a b\u1ea1n v\u00e0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe.<\/p>\n\n\n\n<p>Theo kho\u1ea3n 3 \u0110i\u1ec1u 4 Ngh\u1ecb \u0111\u1ecbnh 03\/2021:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow advgb-dyn-e517fdb6\">\n<p><em>Ngo\u00e0i vi\u1ec7c tham gia h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi theo \u0111i\u1ec1u ki\u1ec7n, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m, m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, ch\u1ee7 xe c\u01a1 gi\u1edbi v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn t\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1ec1 m\u1edf r\u1ed9ng \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m, m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m t\u0103ng th\u00eam v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m b\u1ed5 sung t\u01b0\u01a1ng \u1ee9ng. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 tr\u00e1ch nhi\u1ec7m t\u00e1ch ri\u00eang ph\u1ea7n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi trong Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>V\u00ec l\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n n\u00ean b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i mang theo b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n khi \u0111i ra ngo\u00e0i v\u00e0 \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Bao_hiem_xe_may_bat_buoc_khac_gi_so_voi_bao_hiem_xe_may_tu_nguyen\"><\/span><strong>3. B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c kh\u00e1c g\u00ec so v\u1edbi b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u00ec c\u00f9ng l\u00e0 b\u1ea3o hi\u1ec3m n\u00ean <strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/strong> l\u00e0 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Tuy v\u1eady, c\u00f3 nh\u1eefng kh\u00e1c bi\u1ec7t r\u00f5 r\u00e0ng trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a hai lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y:&nbsp;<\/p>\n\n\n\n<p><strong>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c<\/strong>: Khi ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n g\u00e2y tai n\u1ea1n th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi tr\u1ef1c ti\u1ebfp b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi v\u1ee5 tai n\u1ea1n \u0111\u00f3. C\u0103n c\u1ee9 theo <a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Bao-hiem\/Thong-tu-04-2021-TT-BTC-huong-dan-bao-hiem-bat-buoc-trach-nhiem-dan-su-cua-chu-xe-co-gioi-454431.aspx\" rel=\"nofollow\">Th\u00f4ng t\u01b0 04\/2021\/TT-BTC<\/a>, m\u1ee9c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng do xe c\u01a1 gi\u1edbi g\u00e2y ra l\u00e0 150 tri\u1ec7u \u0111\u1ed3ng \/ ng\u01b0\u1eddi \/ v\u1ee5 t\u1ea1i n\u1ea1n.&nbsp; M\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a 50 tri\u1ec7u \u0111\u1ed3ng s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n. Nh\u01b0 v\u1eady, b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y ch\u1ec9 h\u1ed7 tr\u1ee3 b\u1ea1n \u1edf m\u1ee9c ph\u1ed5 th\u00f4ng nh\u1eefng thi\u1ec7t h\u1ea1i li\u00ean quan \u0111\u1ebfn b\u00ean th\u1ee9 3.&nbsp;<\/p>\n\n\n\n<p><strong>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n<\/strong><strong>: <\/strong>Kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y, b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 s\u1ef1 b\u1ea3o v\u1ec7 cho ch\u00ednh chi\u1ebfc xe c\u1ee7a b\u1ea1n kh\u1ecfi nh\u1eefng thi\u1ec7t h\u1ea1i n\u1eb1m ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n bao g\u1ed3m nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng sau:&nbsp;<\/p>\n\n\n\n<p>  <strong>Xe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u00e1y n\u1ed5: Khi xe x\u1ea3y ra ch\u00e1y n\u1ed5 g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t c\u1ee7a xe<\/li>\n\n\n\n<li>M\u1ea5t c\u1eafp, m\u1ea5t c\u01b0\u1edbp: Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n b\u1ecb tr\u1ed9m \u0111\u1ed9t nh\u1eadp v\u00e0o nh\u00e0 c\u01b0\u1edbp xe, b\u1ecb c\u01b0\u1edbp tr\u00ean \u0111\u01b0\u1eddng ho\u1eb7c m\u1ea5t c\u1eafp t\u1ea1i b\u00e3i gi\u1eef xe c\u1ee7a b\u00eanh vi\u1ec7n, tr\u01b0\u1eddng h\u1ecdc, c\u01a1 quan v\u00e0 nh\u1eefng \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh.<\/li>\n\n\n\n<li>C\u00e1c nguy\u00ean nh\u00e2n kh\u00e1ch quan kh\u00e1c n\u1eb1m ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n (b\u1ecb \u0111\u00e2m, va, l\u0169 l\u1ee5t v\u00e0 c\u00e1c tai n\u1ea1n r\u1ee7i ro b\u1ea5t ng\u1edd kh\u00e1c).<\/li>\n<\/ul>\n\n\n\n<p>  <strong>Ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe: <\/strong>Ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1edf trong qu\u00e1 tr\u00ecnh tham gia giao th\u00f4ng ho\u1eb7c l\u00ean xu\u1ed1ng xe.<\/p>\n\n\n\n<p><em>V\u1edbi m\u1ed7i \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 lo\u1ea1i tai n\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u00e0 s\u1ebd c\u00f3 nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m ri\u00eang cho b\u1ea1n l\u1ef1a ch\u1ecdn. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n th\u00ec Saladin c\u00f3 t\u1ed5ng h\u1ee3p nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y trong b\u00e0i vi\u1ebft:<\/em> <a href=\"https:\/\/news.saladin.vn\/bao-hiem-xe-may\/bao-hiem-xe-may-tu-nguyen\/\"><strong>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?<\/strong><\/a><\/p>\n\n\n\n<p>Nh\u01b0 v\u1eady, c\u00f9ng l\u00e0 b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n nh\u01b0ng c\u00f3 r\u1ea5t nhi\u1ec1u s\u1ef1 l\u1ef1a ch\u1ecdn c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m cho x\u1ebf y\u00eau. N\u1ebfu ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n mu\u1ed1n \u0111em l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n h\u01a1n cho b\u1ea3n th\u00e2n khi s\u1edf h\u1eefu xe m\u00e1y th\u00ec vi\u1ec7c mua c\u1ea3 hai lo\u1ea1i b\u1ea3o hi\u1ec3m ch\u00ednh l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u.<\/p>\n\n\n\n<h2 class=\"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>Saladin hi v\u1ecdng b\u00e0i vi\u1ebft n\u00e0y \u0111\u00e3 gi\u00fap b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 nh\u1eefng \u0111i\u1ec3m kh\u00e1c nhau trong <strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\">c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/strong> b\u1eaft bu\u1ed9c v\u00e0 b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n. Ch\u00fang ho\u00e0n to\u00e0n kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1edfi m\u1ed7i lo\u1ea1i s\u1ebd \u0111em l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 m\u00e0 c\u00e1c b\u1ea3o hi\u1ec3m c\u00f2n l\u1ea1i kh\u00f4ng c\u00f3. V\u1eady n\u00ean b\u1ea3o hi\u1ec3m xe m\u00e1y mua c\u00e0ng nhi\u1ec1u lo\u1ea1i th\u00ec l\u1ea1i c\u00e0ng t\u1ed1t!<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111ang c\u00f3 nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y th\u00ec Saladin s\u1ebd l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn ti\u1ec7n l\u1ee3i v\u00e0 an to\u00e0n nh\u1ea5t. Ngo\u00e0i ra ch\u00fang m\u00ecnh c\u00f2n cung c\u1ea5p c\u1ea3 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe t\u1ea1i <a href=\"https:\/\/www.saladin.vn\/\">website<\/a> v\u00e0 \u1ee9ng d\u1ee5ng Saladin, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m online cho t\u1ea5t c\u1ea3 c\u00e1c nhu c\u1ea7u c\u1ee7a x\u1ebf y\u00eau ch\u1ec9 v\u1edbi m\u1ed9t l\u1ea7n thanh to\u00e1n!<\/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 class=\"has-text-align-center has-primary-50-background-color has-background\"><strong>Mua\u00a0b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y\u00a0v\u00e0 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\u00a0<a href=\"https:\/\/www.saladin.vn\/\">Saladin b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu vi\u1ec7c \u0111\u1ed9i n\u00f3n b\u1ea3o hi\u1ec3m gi\u00fap b\u1ea1n an t\u00e2m tr\u01b0\u1edbc khi l\u00e1i xe ra \u0111\u01b0\u1eddng, th\u00ec mang theo chi\u1ebfc b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y khi tham gia giao th\u00f4ng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[10],"tags":[52,68],"class_list":["post-2031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-xe-may","tag-cong-dung-cua-bao-hiem-xe-may","tag-trach-nhiem-cua-bao-hiem-xe-may"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/08\/24204114\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen.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\/2022\/08\/24204114\/phan-biet-cong-dung-cua-bao-hiem-xe-may-bat-buoc-va-bao-hiem-xe-may-tu-nguyen-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m xe m\u00e1y<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m xe m\u00e1y<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/span>","<span class=\"advgb-post-tax-term\">tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 4 years ago","modified":"Updated 3 years ago"},"absolute_dates":{"created":"Posted on 24\/08\/2022","modified":"Updated on 09\/11\/2022"},"absolute_dates_time":{"created":"Posted on 24\/08\/2022 6:36 PM","modified":"Updated on 09\/11\/2022 5:25 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