{"id":25618,"date":"2025-07-25T09:00:00","date_gmt":"2025-07-25T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=25618"},"modified":"2025-07-30T15:21:13","modified_gmt":"2025-07-30T08:21:13","slug":"phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao\/","title":{"rendered":"Ph\u00e2n bi\u1ec7t va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?"},"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\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao\/#1_Khai_niem_va_tieu_chi_phan_biet_va_cham_giao_thong_va_tai_nan_giao_thong\" >1. Kh\u00e1i ni\u1ec7m v\u00e0 ti\u00eau ch\u00ed ph\u00e2n bi\u1ec7t va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\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\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao\/#2_Luat_giao_thong_2025_Can_lam_gi_khi_xay_ra_va_cham_giao_thong_va_tai_nan_giao_thong\" >2. Lu\u1eadt giao th\u00f4ng 2025: C\u1ea7n l\u00e0m g\u00ec khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng?<\/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\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao\/#3_Bao_hiem_co_boi_thuong_khi_xay_ra_va_cham_giao_thong_va_tai_nan_giao_thong_khong\" >3. B\u1ea3o hi\u1ec3m c\u00f3 b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng 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-o-to\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Khi tham gia giao th\u00f4ng, vi\u1ec7c x\u1ea3y ra va ch\u1ea1m ho\u1eb7c tai n\u1ea1n giao th\u00f4ng l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 r\u00e0ng hai kh\u00e1i ni\u1ec7m n\u00e0y kh\u00e1c nhau \u1edf \u0111i\u1ec3m n\u00e0o, v\u00e0 \u0111\u00e2u l\u00e0 c\u0103n c\u1ee9 ph\u00e1p l\u00fd \u0111\u1ec3 x\u1eed l\u00fd ph\u00f9 h\u1ee3p. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u00fap b\u1ea1n n\u1eafm r\u00f5 s\u1ef1 kh\u00e1c nhau gi\u1eefa hai t\u00ecnh hu\u1ed1ng va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng, c\u00e1ch x\u1eed l\u00fd \u0111\u00fang theo Lu\u1eadt Giao th\u00f4ng 2025, c\u0169ng nh\u01b0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 trong t\u1eebng tr\u01b0\u1eddng h\u1ee3p.<\/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=\"668\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145814\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-1.jpg\" alt=\"\" class=\"wp-image-25619\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145814\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-1.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145814\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-1-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145814\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-1-768x513.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">Ph\u00e2n bi\u1ec7t va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng nh\u01b0 th\u1ebf n\u00e0o m\u1edbi \u0111\u00fang ph\u00e1p lu\u1eadt?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Khai_niem_va_tieu_chi_phan_biet_va_cham_giao_thong_va_tai_nan_giao_thong\"><\/span><strong>1. Kh\u00e1i ni\u1ec7m v\u00e0 ti\u00eau ch\u00ed ph\u00e2n bi\u1ec7t va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, \u0111\u1eb7c bi\u1ec7t l\u00e0 <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\" title=\"\">Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP<\/a>, hai kh\u00e1i ni\u1ec7m va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng \u0111\u01b0\u1ee3c ph\u00e2n bi\u1ec7t ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i g\u00e2y ra cho ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n. T\u1eeb \u0111\u00f3, l\u1ed7i va ch\u1ea1m v\u00e0 tai n\u1ea1n b\u1ecb ph\u1ea1t kh\u00e1c nhau theo quy \u0111\u1ecbnh.<\/p>\n\n\n\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh chi ti\u1ebft:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ti\u00eau ch\u00ed<\/strong><\/td><td><strong>Va ch\u1ea1m giao th\u00f4ng<\/strong><\/td><td><strong>Tai n\u1ea1n giao th\u00f4ng<\/strong><\/td><\/tr><tr><td><strong>Kh\u00e1i ni\u1ec7m<\/strong><\/td><td>S\u1ef1 c\u1ed1 nh\u1ecf trong giao th\u00f4ng, ch\u1ee7 y\u1ebfu g\u00e2y h\u01b0 h\u1ea1i nh\u1eb9 t\u00e0i s\u1ea3n.<\/td><td>S\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng g\u00e2y th\u01b0\u01a1ng t\u00edch, t\u1eed vong ho\u1eb7c h\u01b0 h\u1ea1i l\u1edbn.<\/td><\/tr><tr><td><strong>Thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi<\/strong><\/td><td>Kh\u00f4ng c\u00f3 th\u01b0\u01a1ng t\u00edch ho\u1eb7c r\u1ea5t nh\u1eb9, kh\u00f4ng c\u1ea7n c\u1ea5p c\u1ee9u.<\/td><td>C\u00f3 ng\u01b0\u1eddi b\u1ecb th\u01b0\u01a1ng, t\u1eed vong ho\u1eb7c m\u1ea5t n\u0103ng l\u1ef1c lao \u0111\u1ed9ng.<\/td><\/tr><tr><td><strong>Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n<\/strong><\/td><td>H\u01b0 h\u1ecfng nh\u1eb9 nh\u01b0 xe b\u1ecb x\u01b0\u1edbc s\u01a1n, m\u00f3p nh\u1eb9, v\u1ee1 g\u01b0\u01a1ng&#8230;<\/td><td>H\u01b0 h\u1ecfng l\u1edbn, xe kh\u00f4ng th\u1ec3 ti\u1ebfp t\u1ee5c di chuy\u1ec3n.<\/td><\/tr><tr><td><strong>X\u1eed l\u00fd hi\u1ec7n tr\u01b0\u1eddng<\/strong><\/td><td>C\u00f3 th\u1ec3 t\u1ef1 th\u1ecfa thu\u1eadn, kh\u00f4ng c\u1ea7n c\u00f4ng an x\u1eed l\u00fd.<\/td><td>Ph\u1ea3i gi\u1eef nguy\u00ean hi\u1ec7n tr\u01b0\u1eddng, g\u1ecdi c\u00f4ng an \u0111\u1ebfn l\u1eadp bi\u00ean b\u1ea3n.<\/td><\/tr><tr><td><strong>Tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd<\/strong><\/td><td>X\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh, th\u01b0\u1eddng h\u00f2a gi\u1ea3i d\u00e2n s\u1ef1.<\/td><td>C\u00f3 th\u1ec3 x\u1eed l\u00fd h\u00ecnh s\u1ef1 n\u1ebfu h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng.<\/td><\/tr><tr><td><strong>B\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 kh\u00f4ng?<\/strong><\/td><td>C\u00f3, n\u1ebfu c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t v\u00e0 kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb.<\/td><td>C\u00f3, v\u1edbi c\u1ea3 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t v\u00e0 TNDS (tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1), n\u1ebfu \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n h\u1ee3p \u0111\u1ed3ng.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u0110i\u1ec3m m\u1ea5u ch\u1ed1t c\u1ea7n nh\u1edb l\u00e0 l\u1ed7i va ch\u1ea1m v\u00e0 tai n\u1ea1n b\u1ecb ph\u1ea1t kh\u00e1c nhau, kh\u00f4ng ch\u1ec9 v\u1ec1 m\u1ee9c ti\u1ec1n m\u00e0 c\u00f2n li\u00ean quan \u0111\u1ebfn kh\u1ea3 n\u0103ng b\u1ecb t\u01b0\u1edbc b\u1eb1ng l\u00e1i, th\u1eadm ch\u00ed truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 n\u1ebfu h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Luat_giao_thong_2025_Can_lam_gi_khi_xay_ra_va_cham_giao_thong_va_tai_nan_giao_thong\"><\/span><strong>2. Lu\u1eadt giao th\u00f4ng 2025: C\u1ea7n l\u00e0m g\u00ec khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng?<\/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=\"667\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145815\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-2.jpg\" alt=\"\" class=\"wp-image-25620\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145815\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-2.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145815\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-2-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/07\/30145815\/phan-biet-va-cham-giao-thong-va-tai-nan-giao-thong-nhu-the-nao-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">Tuy h\u00ecnh th\u1ee9c kh\u00e1c nhau nh\u01b0ng ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng lu\u00f4n c\u1ea7n ch\u1ee5p h\u00ecnh l\u1ea1i hi\u1ec7n tr\u01b0\u1eddng khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng.<\/figcaption><\/figure>\n\n\n\n<p>Khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng, ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n c\u1ea7n ph\u1ea3i b\u00ecnh t\u0129nh v\u00e0 x\u1eed l\u00fd theo \u0111\u00fang tr\u00ecnh t\u1ef1 ph\u00e1p lu\u1eadt. Trong tr\u01b0\u1eddng h\u1ee3p va ch\u1ea1m giao th\u00f4ng, b\u1ea1n n\u00ean d\u1eebng xe, b\u1eadt \u0111\u00e8n c\u1ea3nh b\u00e1o nguy hi\u1ec3m v\u00e0 quan s\u00e1t hi\u1ec7n tr\u01b0\u1eddng. N\u1ebfu thi\u1ec7t h\u1ea1i ch\u1ec9 l\u00e0 tr\u1ea7y x\u01b0\u1edbc, m\u00f3p nh\u1eb9 ho\u1eb7c r\u01a1i g\u01b0\u01a1ng, v\u00e0 kh\u00f4ng ai b\u1ecb th\u01b0\u01a1ng, hai b\u00ean c\u00f3 th\u1ec3 t\u1ef1 th\u1ecfa thu\u1eadn, ghi nh\u1eadn l\u1ed7i, ch\u1ee5p \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng l\u00e0m b\u1eb1ng ch\u1ee9ng v\u00e0 r\u1eddi \u0111i.<\/p>\n\n\n\n<p>Ng\u01b0\u1ee3c l\u1ea1i, trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n giao th\u00f4ng nghi\u00eam tr\u1ecdng, b\u1ea1n c\u1ea7n th\u1ef1c hi\u1ec7n \u0111\u00fang theo quy tr\u00ecnh l\u00e0 d\u1eebng xe, gi\u1eef nguy\u00ean hi\u1ec7n tr\u01b0\u1eddng nh\u1eb1m x\u00e1c minh l\u1ed7i v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m, c\u1ee9u gi\u00fap ng\u01b0\u1eddi b\u1ecb n\u1ea1n v\u00e0 g\u1ecdi c\u01a1 quan ch\u1ee9c n\u0103ng ho\u1eb7c CSGT g\u1ea7n nh\u1ea5t. Ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n c\u1ea7n l\u01b0u \u00fd r\u1eb1ng n\u1ebfu b\u1ea1n t\u1ef1 \u00fd r\u1eddi kh\u1ecfi hi\u1ec7n tr\u01b0\u1eddng sau khi x\u1ea3y ra va ch\u1ea1m ho\u1eb7c tai n\u1ea1n giao th\u00f4ng, \u0111\u00e2y s\u1ebd b\u1ecb xem l\u00e0 h\u00e0nh vi c\u1ed1 \u00fd b\u1ecf tr\u1ed1n. \u0110i\u1ec1u n\u00e0y s\u1ebd l\u00e0m t\u0103ng n\u1eb7ng m\u1ee9c ph\u1ea1t trong qu\u00e1 tr\u00ecnh x\u00e9t x\u1eed.<\/p>\n\n\n\n<p>V\u1ec1 ph\u00eda b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m xe m\u00e1y, trong c\u1ea3 hai t\u00ecnh hu\u1ed1ng, b\u1ea1n \u0111\u1ec1u c\u1ea7n th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edbm nh\u1ea5t c\u00f3 th\u1ec3 k\u1ec3 t\u1eeb khi x\u1ea3y ra s\u1ef1 c\u1ed1. N\u1ebfu b\u1ea1n c\u00f3 b\u1ea3o hi\u1ec3m TNDS xe \u00f4 t\u00f4 v\u00e0 xe m\u00e1y, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m s\u1ebd xem x\u00e9t chi tr\u1ea3 cho b\u00ean th\u1ee9 ba b\u1ecb thi\u1ec7t h\u1ea1i. N\u1ebfu b\u1ea1n c\u00f3 th\u00eam b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd xem x\u00e9t m\u1ee9c \u0111\u1ed9 t\u1ed5n th\u1ea5t v\u00e0 chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 bi\u00ean b\u1ea3n hi\u1ec7n tr\u01b0\u1eddng, \u1ea3nh ch\u1ee5p, gi\u1ea5y t\u1edd li\u00ean quan s\u1ebd gi\u00fap quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng di\u1ec5n ra nhanh ch\u00f3ng v\u00e0 thu\u1eadn l\u1ee3i h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Bao_hiem_co_boi_thuong_khi_xay_ra_va_cham_giao_thong_va_tai_nan_giao_thong_khong\"><\/span><strong>3. B\u1ea3o hi\u1ec3m c\u00f3 b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nh\u01b0 \u0111\u00e3 tr\u00ecnh b\u00e0y \u1edf tr\u00ean, c\u1ea3 va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 chi tr\u1ea3, nh\u01b0ng m\u1ee9c \u0111\u1ed9 chi tr\u1ea3 v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m kh\u00e1c nhau.<\/p>\n\n\n\n<p>M\u1ed7i ch\u1ee7 xe v\u00e0 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec1u c\u1ea7n s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m TNDS xe \u00f4 t\u00f4, l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n l\u00e0 ng\u01b0\u1eddi g\u00e2y tai n\u1ea1n d\u1eabn \u0111\u1ebfn thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi ho\u1eb7c t\u00e0i s\u1ea3n, b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho b\u00ean th\u1ee9 ba. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i chi tr\u1ea3 cho b\u1ea1n th\u1ee9 3 n\u1ebfu ph\u00e1t hi\u1ec7n c\u00f3 h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt nh\u01b0 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n kh\u00f4ng c\u00f3 b\u1eb1ng l\u00e1i, n\u1ed3ng \u0111\u1ed9 c\u1ed3n v\u01b0\u1ee3t m\u1ee9c cho ph\u00e9p ho\u1eb7c c\u1ed1 \u00fd g\u00e2y tai n\u1ea1n.<\/p>\n\n\n\n<p>C\u00f2n v\u1edbi b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4, \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, mang t\u00ednh ph\u00f2ng ng\u1eeba r\u1ee7i ro l\u1edbn h\u01a1n. Trong tr\u01b0\u1eddng h\u1ee3p va ch\u1ea1m nh\u1ecf nh\u01b0ng xe b\u1ea1n b\u1ecb tr\u1ea7y x\u01b0\u1edbc, m\u00f3p m\u00e9o, h\u01b0 h\u1ecfng nh\u1eb9, b\u1ea3o hi\u1ec3m v\u1eabn c\u00f3 th\u1ec3 chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa n\u1ebfu b\u1ea1n kh\u00f4ng vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. Trong c\u00e1c v\u1ee5 tai n\u1ea1n nghi\u00eam tr\u1ecdng h\u01a1n, b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t s\u1ebd thanh to\u00e1n to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed kh\u1eafc ph\u1ee5c t\u1ed5n th\u1ea5t theo \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. Qu\u00e1 tr\u00ecnh b\u1ed3i th\u01b0\u1eddng c\u0169ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c b\u1ea1n c\u00f3 h\u1ee3p t\u00e1c \u0111\u00fang v\u00e0 \u0111\u1ea7y \u0111\u1ee7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m hay kh\u00f4ng, bao g\u1ed3m vi\u1ec7c khai b\u00e1o k\u1ecbp th\u1eddi, cung c\u1ea5p \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng, bi\u00ean b\u1ea3n c\u1ee7a c\u00f4ng an, h\u00f3a \u0111\u01a1n s\u1eeda ch\u1eefa\u2026<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng mua <a href=\"https:\/\/www.saladin.vn\/bao-hiem-o-to\" target=\"_blank\" rel=\"noopener\" title=\"\"><strong>b\u1ea3o hi\u1ec3m TNDS xe \u00f4 t\u00f4<\/strong><\/a>, <a href=\"https:\/\/www.saladin.vn\/bao-hiem-xe-may\" target=\"_blank\" rel=\"noopener\" title=\"\"><strong>xe m\u00e1y<\/strong><\/a> v\u00e0 <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto\" target=\"_blank\" rel=\"noopener\" title=\"\"><strong>b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/strong><\/a> tr\u1ef1c tuy\u1ebfn th\u00f4ng qua n\u1ec1n t\u1ea3ng <strong>Saladin<\/strong>. \u0110\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 \u0111a gi\u1ea3i ph\u00e1p, gi\u00fap b\u1ea1n tra c\u1ee9u v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p t\u1eeb xa. <strong>Saladin<\/strong> cung c\u1ea5p \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb uy t\u00edn nh\u01b0 PJICO, MIC, B\u1ea3o Vi\u1ec7t, B\u1ea3o Minh, VNI\u2026 v\u1edbi th\u00f4ng tin minh b\u1ea1ch, d\u1ec5 so s\u00e1nh. Ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n tr\u01b0\u1edbc khi mua m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 trong su\u1ed1t qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng v\u00e0 x\u1eed l\u00fd s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<p>N\u1ec1n t\u1ea3ng c\u00f2n c\u00f3 nhi\u1ec1u \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn trong n\u0103m, h\u1ed7 tr\u1ee3 tr\u1ea3 g\u00f3p linh ho\u1ea1t v\u00e0 thanh to\u00e1n qua nhi\u1ec1u h\u00ecnh th\u1ee9c. T\u1ea5t c\u1ea3 th\u00f4ng tin v\u00e0 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m lu\u00f4n \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt li\u00ean t\u1ee5c tr\u00ean \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong>, gi\u00fap b\u1ea1n theo d\u00f5i thu\u1eadn ti\u1ec7n m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i.<\/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>Hi\u1ec3u \u0111\u00fang v\u00e0 ph\u00e2n bi\u1ec7t r\u00f5 va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng s\u1ebd gi\u00fap ng\u01b0\u1eddi tham gia giao th\u00f4ng c\u00f3 th\u1ec3 x\u1eed l\u00fd s\u1ef1 c\u1ed1 h\u1ee3p l\u00fd, \u0111\u00fang ph\u00e1p lu\u1eadt v\u00e0 b\u1ea3o v\u1ec7 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n l\u1ee3i. Trong b\u1ed1i c\u1ea3nh Lu\u1eadt giao th\u00f4ng 2025 \u0111\u00e3 b\u1ed5 sung nhi\u1ec1u quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 x\u1eed l\u00fd hi\u1ec7n tr\u01b0\u1eddng, m\u1ed7i ng\u01b0\u1eddi l\u00e1i xe c\u1ea7n n\u00e2ng cao \u00fd th\u1ee9c tu\u00e2n th\u1ee7 lu\u1eadt, hi\u1ec3u r\u00f5 l\u1ed7i va ch\u1ea1m v\u00e0 tai n\u1ea1n b\u1ecb ph\u1ea1t kh\u00e1c nhau nh\u01b0 th\u1ebf n\u00e0o, \u0111\u1ed3ng th\u1eddi ch\u1ee7 \u0111\u1ed9ng tham gia b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u1edbi b\u1ea3o hi\u1ec3m TNDS xe \u00f4 t\u00f4 b\u1eaft bu\u1ed9c v\u00e0 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1ed1t nh\u1ea5t trong m\u1ecdi t\u00ecnh hu\u1ed1ng.<\/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>\u00a0 \u00a0<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>\u00a0 \u00a0<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>\u00a0 \u00a0<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>\u00a0 \u00a0<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>\u00a0<\/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>B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea7n cu\u1ed1i v\u00e0o Th\u1ee9 S\u00e1u, ng\u00e0y 25 th\u00e1ng 07 n\u0103m 2025.<\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Khi tham gia giao th\u00f4ng, vi\u1ec7c x\u1ea3y ra va ch\u1ea1m ho\u1eb7c tai n\u1ea1n giao th\u00f4ng l\u00e0 \u0111i\u1ec1u kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 r\u00e0ng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":17596,"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":[595,386,192,693,489,488,692],"class_list":["post-25618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-o-to","tag-bao-hiem-o-to","tag-bao-hiem-tnds-xe-o-to","tag-bao-hiem-vat-chat-xe-o-to","tag-loi-va-cham-va-tai-nan-bi-phat-khac-nhau","tag-luat-giao-thong","tag-luat-giao-thong-2025","tag-va-cham-giao-thong-va-tai-nan-giao-thong"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/07\/27135316\/13.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\/07\/27135316\/13-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m \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 TNDS 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 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\">l\u1ed7i va ch\u1ea1m v\u00e0 tai n\u1ea1n b\u1ecb ph\u1ea1t kh\u00e1c nhau<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">Lu\u1eadt giao th\u00f4ng<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">lu\u1eadt giao th\u00f4ng 2025<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m TNDS xe \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">l\u1ed7i va ch\u1ea1m v\u00e0 tai n\u1ea1n b\u1ecb ph\u1ea1t kh\u00e1c nhau<\/span>","<span class=\"advgb-post-tax-term\">Lu\u1eadt giao th\u00f4ng<\/span>","<span class=\"advgb-post-tax-term\">lu\u1eadt giao th\u00f4ng 2025<\/span>","<span class=\"advgb-post-tax-term\">va ch\u1ea1m giao th\u00f4ng v\u00e0 tai n\u1ea1n giao th\u00f4ng<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 9 months ago","modified":"Updated 9 months ago"},"absolute_dates":{"created":"Posted on 25\/07\/2025","modified":"Updated on 30\/07\/2025"},"absolute_dates_time":{"created":"Posted on 25\/07\/2025 9:00 AM","modified":"Updated on 30\/07\/2025 3:21 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/25618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/comments?post=25618"}],"version-history":[{"count":1,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/25618\/revisions"}],"predecessor-version":[{"id":25621,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/25618\/revisions\/25621"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/17596"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=25618"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=25618"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=25618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}