{"id":25593,"date":"2025-07-18T09:00:00","date_gmt":"2025-07-18T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=25593"},"modified":"2025-08-04T10:04:55","modified_gmt":"2025-08-04T03:04:55","slug":"boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/","title":{"rendered":"B\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m cho \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8: Ch\u1ee7 xe c\u1ea7n bi\u1ebft \u0111i\u1ec1u g\u00ec?"},"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\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/#1_O_to_bi_cay_de_co_duoc_bao_hiem_boi_thuong_khong\" >1. \u00d4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng kh\u00f4ng?<\/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\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/#2_Cac_truong_hop_bao_hiem_co_the_khong_boi_thuong_o_to_hu_hong_do_thien_tai\" >2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng b\u1ed3i th\u01b0\u1eddng \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai<\/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\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/#3_Quy_trinh_yeu_cau_bao_hiem_se_boi_thuong_nhu_the_nao_khi_o_to_bi_cay_de\" >3. Quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o khi \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8?<\/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\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/#4_Nen_mua_loai_bao_hiem_nao_de_duoc_chi_tra_khi_xe_bi_cay_de\" >4. N\u00ean mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 khi xe b\u1ecb c\u00e2y \u0111\u00e8?<\/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\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>T\u00ecnh hu\u1ed1ng \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 tr\u00fang v\u00e0o m\u00f9a m\u01b0a b\u00e3o hay trong nh\u1eefng c\u01a1n gi\u00f3 l\u1edbn b\u1ea5t ng\u1edd \u0111\u00e3 kh\u00f4ng c\u00f2n xa l\u1ea1, \u0111\u1eb7c bi\u1ec7t g\u1ea7n \u0111\u00e2y v\u1eeba x\u1ea3y ra nhi\u1ec1u v\u1ee5 t\u01b0\u01a1ng t\u1ef1. D\u00f9 ch\u1ee7 xe \u0111\u00e3 \u0111\u1ed7 \u0111\u00fang n\u01a1i quy \u0111\u1ecbnh, tai h\u1ecda t\u1eeb thi\u00ean nhi\u00ean v\u1eabn c\u00f3 th\u1ec3 x\u1ea3y ra. Khi \u1ea5y, c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c \u0111\u1eb7t ra nhi\u1ec1u nh\u1ea5t l\u00e0: \u00d4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 kh\u00f4ng? V\u00e0 n\u1ebfu c\u00f3, b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o m\u1edbi \u0111\u00fang quy \u0111\u1ecbnh? B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i, tr\u00e1ch nhi\u1ec7m v\u00e0 l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro t\u00e0i ch\u00ednh \u0111\u00e1ng ti\u1ebfc.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"800\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150601\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-1.jpg\" alt=\"\" class=\"wp-image-25594\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150601\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-1.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150601\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-1-300x240.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150601\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-1-768x614.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">\u00d4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 th\u00ec s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_O_to_bi_cay_de_co_duoc_bao_hiem_boi_thuong_khong\"><\/span><strong>1. \u00d4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 c\u00f3, nh\u01b0ng ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00e3 \u0111\u0103ng k\u00fd.<\/p>\n\n\n\n<p>Theo quy \u0111\u1ecbnh v\u00e0 th\u1ef1c t\u1ebf tri\u1ec3n khai t\u1ea1i h\u1ea7u h\u1ebft c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, ch\u1ec9 khi ch\u1ee7 xe tham gia b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 th\u00ec tr\u01b0\u1eddng h\u1ee3p \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai nh\u01b0 \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8, gi\u00f4ng l\u1ed1c, m\u01b0a l\u1edbn g\u00e2y ra m\u1edbi thu\u1ed9c ph\u1ea1m vi \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng. N\u1ebfu b\u1ea1n ch\u1ec9 c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (lo\u1ea1i b\u1eaft bu\u1ed9c), th\u00ec nh\u1eefng h\u01b0 h\u1ecfng c\u1ee7a xe s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 v\u00ec kh\u00f4ng li\u00ean quan \u0111\u1ebfn b\u00ean th\u1ee9 ba.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Cac_truong_hop_bao_hiem_co_the_khong_boi_thuong_o_to_hu_hong_do_thien_tai\"><\/span><strong>2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng b\u1ed3i th\u01b0\u1eddng \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 c\u0169ng \u0111\u01b0\u1ee3c chi tr\u1ea3. C\u00f3 nh\u1eefng t\u00ecnh hu\u1ed1ng khi\u1ebfn ng\u01b0\u1eddi mua d\u1ec5 m\u1ea5t quy\u1ec1n l\u1ee3i, th\u01b0\u1eddng l\u00e0 do vi ph\u1ea1m \u0111i\u1ec1u ki\u1ec7n h\u1ee3p \u0111\u1ed3ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ed5 bi\u1ebfn m\u00e0 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 s\u1ebd t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng m\u00e0 b\u1ea1n n\u00ean l\u01b0u \u00fd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi cho \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m:<\/strong> Khi x\u1ea3y ra s\u1ef1 c\u1ed1, n\u1ebfu b\u1ea1n kh\u00f4ng li\u00ean h\u1ec7 s\u1edbm \u0111\u1ec3 b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 do kh\u00f4ng \u0111\u1ea3m b\u1ea3o t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a hi\u1ec7n tr\u01b0\u1eddng.<\/li>\n\n\n\n<li><strong>T\u1ef1 \u00fd di chuy\u1ec3n ho\u1eb7c s\u1eeda ch\u1eefa xe tr\u01b0\u1edbc khi gi\u00e1m \u0111\u1ecbnh: <\/strong>Vi\u1ec7c thay \u0111\u1ed5i hi\u1ec7n tr\u1ea1ng khi ch\u01b0a \u0111\u01b0\u1ee3c gi\u00e1m \u0111\u1ecbnh vi\u00ean \u0111\u1ed3ng \u00fd c\u00f3 th\u1ec3 khi\u1ebfn vi\u1ec7c \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i kh\u00f4ng c\u00f2n ch\u00ednh x\u00e1c, l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 b\u1ed3i th\u01b0\u1eddng.<\/li>\n\n\n\n<li><strong>Thi\u1ebfu b\u1eb1ng ch\u1ee9ng x\u00e1c th\u1ef1c:<\/strong> N\u1ebfu b\u1ea1n kh\u00f4ng cung c\u1ea5p \u0111\u01b0\u1ee3c h\u00ecnh \u1ea3nh, video ho\u1eb7c bi\u00ean b\u1ea3n x\u00e1c minh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng li\u00ean quan \u0111\u1ebfn s\u1ef1 ki\u1ec7n \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai, kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn chi tr\u1ea3 s\u1ebd r\u1ea5t th\u1ea5p.<\/li>\n\n\n\n<li><strong>S\u1eed d\u1ee5ng xe sai m\u1ee5c \u0111\u00edch ho\u1eb7c khi h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m:<\/strong> H\u1ee3p \u0111\u1ed3ng s\u1ebd kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c n\u1ebfu xe s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch th\u01b0\u01a1ng m\u1ea1i trong khi \u0111\u0103ng k\u00fd l\u00e0 c\u00e1 nh\u00e2n, ho\u1eb7c n\u1ebfu th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 c\u1ed1 n\u1eb1m ngo\u00e0i th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Quy_trinh_yeu_cau_bao_hiem_se_boi_thuong_nhu_the_nao_khi_o_to_bi_cay_de\"><\/span><strong>3. Quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o khi \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150602\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-2.jpg\" alt=\"\" class=\"wp-image-25595\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150602\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-2.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150602\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-2-300x169.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/24150602\/boi-thuong-bao-hiem-cho-o-to-bi-cay-de-chu-xe-can-biet-dieu-gi-2-768x432.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">Quy tr\u00ecnh b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u1ec1n b\u00f9 nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi xe \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai?<\/figcaption><\/figure>\n\n\n\n<p>\u0110\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi g\u1eb7p s\u1ef1 c\u1ed1 c\u00e2y \u0111\u1ed5, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m c\u1ea7n l\u00e0m \u0111\u00fang quy tr\u00ecnh. M\u1ed7i b\u01b0\u1edbc \u0111\u1ec1u \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn vi\u1ec7c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 c\u00f3 ch\u1ea5p thu\u1eadn chi tr\u1ea3 hay kh\u00f4ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B\u01b0\u1edbc 1: Gi\u1eef nguy\u00ean hi\u1ec7n tr\u01b0\u1eddng v\u00e0 ghi h\u00ecnh thi\u1ec7t h\u1ea1i<\/strong><\/h3>\n\n\n\n<p>Ngay khi ph\u00e1t hi\u1ec7n s\u1ef1 vi\u1ec7c, h\u00e3y ch\u1ee5p \u1ea3nh ho\u1eb7c quay video to\u00e0n b\u1ed9 hi\u1ec7n tr\u01b0\u1eddng t\u1eeb nhi\u1ec1u g\u00f3c kh\u00e1c nhau: c\u00e2y \u0111\u1ed5, v\u1ecb tr\u00ed xe b\u1ecb \u0111\u00e8, bi\u1ec3n s\u1ed1, ph\u1ea7n xe h\u01b0 h\u1ecfng. N\u1ebfu c\u00f3 ng\u01b0\u1eddi l\u00e0m ch\u1ee9ng ho\u1eb7c l\u1ef1c l\u01b0\u1ee3ng ch\u1ee9c n\u0103ng l\u1eadp bi\u00ean b\u1ea3n, b\u1ea1n n\u00ean l\u01b0u l\u1ea1i gi\u1ea5y t\u1edd li\u00ean quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B\u01b0\u1edbc 2: G\u1ecdi ngay cho c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>B\u1ea1n c\u1ea7n th\u00f4ng b\u00e1o cho \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m trong v\u00f2ng 24 gi\u1edd k\u1ec3 t\u1eeb khi x\u1ea3y ra s\u1ef1 c\u1ed1. N\u1ebfu b\u1ea1n s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m t\u1ea1i <strong>Saladin<\/strong>, b\u1ea1n c\u00f3 th\u1ec3 g\u1eedi y\u00eau c\u1ea7u tr\u1ef1c tuy\u1ebfn qua app ho\u1eb7c website, nh\u1eadn ph\u1ea3n h\u1ed3i v\u00e0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd ch\u1ec9 trong v\u00e0i ph\u00fat, kh\u00f4ng c\u1ea7n ch\u1edd t\u1ed5ng \u0111\u00e0i truy\u1ec1n th\u1ed1ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B\u01b0\u1edbc 3: N\u1ed9p h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng<\/strong><\/h3>\n\n\n\n<p>Th\u00f4ng th\u01b0\u1eddng, h\u1ed3 s\u01a1 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00ecnh \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng<\/li>\n\n\n\n<li>Gi\u1ea5y t\u1edd xe (c\u00e0 v\u1eb9t, b\u1ea3o hi\u1ec3m)<\/li>\n\n\n\n<li>Gi\u1ea5y t\u1edd ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe (b\u1eb1ng l\u00e1i, CCCD)<\/li>\n\n\n\n<li>Bi\u00ean b\u1ea3n x\u00e1c minh (n\u1ebfu c\u00f3)<\/li>\n\n\n\n<li>\u0110\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng theo m\u1eabu<\/li>\n<\/ul>\n\n\n\n<p><strong>Saladin<\/strong> cho ph\u00e9p b\u1ea1n t\u1ea3i h\u1ed3 s\u01a1 tr\u1ef1c ti\u1ebfp l\u00ean h\u1ec7 th\u1ed1ng, kh\u00f4ng c\u1ea7n in gi\u1ea5y hay \u0111\u1ebfn \u0111i\u1ec3m giao d\u1ecbch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B\u01b0\u1edbc 4: \u0110\u01b0a xe \u0111i gi\u00e1m \u0111\u1ecbnh v\u00e0 s\u1eeda ch\u1eefa<\/strong><\/h3>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai th\u00ec b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u1ec1n b\u00f9 nh\u01b0 th\u1ebf n\u00e0o? C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ed1i h\u1ee3p v\u1edbi gara \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh thi\u1ec7t h\u1ea1i cho t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n \u0111\u00e3 \u0111\u0103ng k\u00fd qua <strong>Saladin<\/strong>, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u1ec7 th\u1ed1ng gara li\u00ean k\u1ebft tr\u00ean to\u00e0n qu\u1ed1c, gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch v\u1ec1 chi ph\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Nen_mua_loai_bao_hiem_nao_de_duoc_chi_tra_khi_xe_bi_cay_de\"><\/span><strong>4. N\u00ean mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 khi xe b\u1ecb c\u00e2y \u0111\u00e8?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nhi\u1ec1u ch\u1ee7 xe hi\u1ec7n nay ch\u1ec9 mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n l\u01b0u h\u00e0nh. Tuy nhi\u00ean, lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n khi x\u1ea3y ra s\u1ef1 c\u1ed1 \u00f4 t\u00f4 h\u01b0 h\u1ecfng do thi\u00ean tai nh\u01b0 c\u00e2y \u0111\u00e8, m\u01b0a \u0111\u00e1, l\u0169 cu\u1ed1n, va ch\u1ea1m\u2026 N\u00f3 ch\u1ec9 c\u00f3 t\u00e1c d\u1ee5ng h\u1ee3p ph\u00e1p h\u00f3a ph\u01b0\u01a1ng ti\u1ec7n khi tham gia giao th\u00f4ng, ch\u1ee9 kh\u00f4ng th\u1eadt s\u1ef1 h\u1eefu \u00edch trong c\u00e1c t\u00ecnh hu\u1ed1ng thi\u00ean tai hay tai n\u1ea1n v\u1eadt ch\u1ea5t.<\/p>\n\n\n\n<p>\u0110\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh khi xe b\u1ecb h\u01b0 h\u1ecfng, b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 m\u1edbi l\u00e0 l\u1ef1a ch\u1ecdn b\u1ea1n n\u00ean \u01b0u ti\u00ean. \u0110\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 ph\u1ea7n l\u1edbn chi ph\u00ed s\u1eeda ch\u1eefa, th\u1eadm ch\u00ed thay m\u1edbi ph\u1ee5 t\u00f9ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xe b\u1ecb va ch\u1ea1m, \u0111\u1ed5, l\u1eadt<\/li>\n\n\n\n<li>Xe b\u1ecb thi\u00ean tai (bao g\u1ed3m c\u00e2y \u0111\u00e8, ng\u1eadp n\u01b0\u1edbc, b\u00e3o)<\/li>\n\n\n\n<li>Xe b\u1ecb ph\u00e1 ho\u1ea1i, \u0111\u1eadp k\u00ednh<\/li>\n\n\n\n<li>Xe b\u1ecb ch\u00e1y n\u1ed5 b\u1ea5t ng\u1edd<\/li>\n<\/ul>\n\n\n\n<p>Hi\u1ec7n t\u1ea1i, n\u1ec1n t\u1ea3ng <strong>Saladin<\/strong> cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 c\u1ea3 hai lo\u1ea1i b\u1ea3o hi\u1ec3m: <a href=\"https:\/\/www.saladin.vn\/bao-hiem-o-to\" target=\"_blank\" rel=\"noopener\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c<\/a> v\u00e0 <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" target=\"_blank\" rel=\"noopener\" title=\"\">b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/a>, \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn t\u1ea1i Vi\u1ec7t Nam. \u0110i\u1ec3m c\u1ed9ng l\u1edbn l\u00e0 quy tr\u00ecnh mua b\u1ea3o hi\u1ec3m nhanh g\u1ecdn, minh b\u1ea1ch, h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng online m\u1ecdi l\u00fac m\u1ecdi n\u01a1i. Khi g\u1eb7p s\u1ef1 c\u1ed1, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i nhanh ch\u00f3ng v\u1edbi h\u1ec7 th\u1ed1ng gara li\u00ean k\u1ebft to\u00e0n qu\u1ed1c c\u1ee7a <strong>Saladin<\/strong> th\u00f4ng qua s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p t\u1eeb 7:30 \u0111\u1ebfn 22:30 m\u1ed7i ng\u00e0y.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span><strong>T\u1ed5ng k\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kh\u00f4ng ch\u1ee7 xe n\u00e0o l\u1ea1i mong mu\u1ed1n chi\u1ebfc \u00f4 t\u00f4 b\u1ecb c\u00e2y \u0111\u00e8 tr\u00fang, nh\u01b0ng n\u1ebfu \u0111i\u1ec1u \u0111\u00f3 x\u1ea3y ra, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i t\u00e0i ch\u00ednh n\u1ebfu \u0111\u00e3 chu\u1ea9n b\u1ecb s\u1eb5n m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 \u0111\u1ea7y \u0111\u1ee7. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i, l\u1ef1a ch\u1ecdn \u0111\u00fang g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 n\u1eafm v\u1eefng quy tr\u00ecnh b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u1ec1n b\u00f9 nh\u01b0 th\u1ebf n\u00e0o.<\/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 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 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