{"id":4070,"date":"2022-10-02T22:32:00","date_gmt":"2022-10-02T15:32:00","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4070"},"modified":"2022-12-12T18:41:03","modified_gmt":"2022-12-12T11:41:03","slug":"truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/","title":{"rendered":"Tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y?"},"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\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/#1_Bao_hiem_TNDS_xe_may_duoc_quy_dinh_the_nao_Boi_thuong_cho_ai\" >1. B\u1ea3o hi\u1ec3m TNDS xe m\u00e1y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh th\u1ebf n\u00e0o? B\u1ed3i th\u01b0\u1eddng cho ai?<\/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\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/#2_Cong_dung_cua_bao_hiem_xe_may_bat_buoc_la_gi\" >2. C\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c 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-3\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/#3_Nhung_truong_hop_duoc_bao_hiem_TNDS_xe_may_boi_thuong\" >3. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1ed3i th\u01b0\u1eddng<\/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\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/#4_Nhung_truong_hop_khong_duoc_bao_hiem_TNDS_xe_may_boi_thuong\" >4. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1ed3i th\u01b0\u1eddng<\/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-xe-may\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may\/#5_Ket\" >5. K\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>C\u00f9ng Saladin t\u00ecm hi\u1ec3u v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c \/ kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ec3 hi\u1ec3u r\u00f5 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> th\u00f4ng qua b\u00e0i vi\u1ebft 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\/10\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may-1024x683.jpg\" alt=\"\" class=\"wp-image-4075\" width=\"761\" height=\"507\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/03095218\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/03095218\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/03095218\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/03095218\/truong-hop-nao-duoc-huong-loi-tu-cong-dung-cua-bao-hiem-xe-may.jpg 1499w\" sizes=\"auto, (max-width: 761px) 100vw, 761px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_TNDS_xe_may_duoc_quy_dinh_the_nao_Boi_thuong_cho_ai\"><\/span>1. <strong>B\u1ea3o hi\u1ec3m TNDS xe m\u00e1y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh th\u1ebf n\u00e0o? B\u1ed3i th\u01b0\u1eddng cho ai?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 58 Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9, b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c, hay c\u00f2n g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y, l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u1ee7 xe m\u00e1y ph\u1ea3i tham gia. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea5y t\u1edd m\u00e0 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe m\u00e1y ph\u1ea3i mang theo khi tham gia giao th\u00f4ng v\u00e0 ph\u1ea3i xu\u1ea5t tr\u00ecnh khi \u0111\u01b0\u1ee3c CSGT y\u00eau c\u1ea7u.<\/p>\n\n\n\n<p>Khi tham gia b\u1ea3o hi\u1ec3m TNDS, m\u1ed7i xe m\u00e1y \u0111\u01b0\u1ee3c c\u1ea5p <strong>01 Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m<\/strong> (c\u00f3 th\u1ec3 d\u01b0\u1edbi d\u1ea1ng B\u1ea3o hi\u1ec3m \u0111i\u1ec7n t\u1eed), nh\u1eb1m quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 gi\u1eefa ch\u1ee7 xe v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p><strong><em>\u0110\u1ed1i t\u01b0\u1ee3ng b\u1ed3i th\u01b0\u1eddng c\u1ee7a B\u1ea3o hi\u1ec3m TNDS xe m\u00e1y:<\/em><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m TNDS xe m\u00e1y kh\u00f4ng b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m TNDS xe m\u00e1y thay ch\u1ee7 xe (ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m) b\u1ed3i th\u01b0\u1eddng  b\u00ean th\u1ee9 ba (ng\u01b0\u1eddi b\u1ecb n\u1ea1n do l\u1ed7i c\u1ee7a ch\u1ee7 xe g\u00e2y ra) \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Cong_dung_cua_bao_hiem_xe_may_bat_buoc_la_gi\"><\/span>2. <strong><a href=\"https:\/\/news.saladin.vn\/tag\/cong-dung-cua-bao-hiem-xe-may\/\">C\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a> b\u1eaft bu\u1ed9c l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>T\u1ea1i Vi\u1ec7t Nam, x\u00e1c su\u1ea5t ch\u1eb3ng may g\u1eb7p ph\u1ea3i <strong>tai n\u1ea1n giao th\u00f4ng l\u00e0 tr\u01b0\u1eddng h\u1ee3p r\u1ea5t d\u1ec5 x\u1ea3y ra<\/strong>, khi <a href=\"https:\/\/vnexpress.net\/ba-ly-do-nguoi-viet-mua-xe-may-nhieu-thu-hai-asean-4405772.html\" target=\"_blank\" rel=\"noopener nofollow\">ng\u01b0\u1eddi Vi\u1ec7t mua xe m\u00e1y nhi\u1ec1u th\u1ee9 hai ASEAN<\/a>. Theo th\u1ed1ng k\u00ea n\u0103m 2020, c\u1ee9 m\u1ed7i 2 ng\u01b0\u1eddi d\u00e2n th\u00ec l\u1ea1i c\u00f3 1 ng\u01b0\u1eddi s\u1edf h\u1eefu xe m\u00e1y, ch\u01b0a k\u1ec3 tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi s\u1edf h\u1eefu c\u00f9ng l\u00fac nhi\u1ec1u chi\u1ebfc xe (VNExpress, T12\/2021)   . Do v\u1eady, b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y kh\u00f4ng ch\u1ec9 l\u00e0 gi\u1ea5y t\u1edd b\u1eaft bu\u1ed9c khi ra \u0111\u01b0\u1eddng, m\u00e0 c\u00f2n mang \u0111\u1ebfn quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh r\u1ea5t cao, gi\u00fap ch\u1ee7 xe gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c b\u1ed3i th\u01b0\u1eddng cho n\u1ea1n nh\u00e2n n\u1ebfu kh\u00f4ng may g\u1eb7p tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n.<\/p>\n\n\n\n<p>N\u1ebfu ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe g\u00e2y ra tai n\u1ea1n giao th\u00f4ng v\u00e0 \u0111\u00e3 mua b\u1ea3o hi\u1ec3m TNDS, b\u1ea1n s\u1ebd th\u1ea5y <strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-dan-su-bat-buoc-xe-may\/\">c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/strong> nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gi\u00fap gi\u1ea3i quy\u1ebft v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh: Ch\u1ee7 xe s\u1ebd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 m\u1ed9t ph\u1ea7n chi ph\u00ed b\u1ed3i th\u01b0\u1eddng cho n\u1ea1n nh\u00e2n, nh\u1edd \u0111\u00f3 gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c t\u00e0i ch\u00ednh.<\/li>\n\n\n\n<li>Tr\u00e1nh b\u1ecb truy c\u1ee9u h\u00ecnh s\u1ef1 do kh\u00f4ng c\u00f2n \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh \u0111\u1ec3 b\u1ed3i th\u01b0\u1eddng cho b\u00ean th\u1ee9 ba.<\/li>\n\n\n\n<li>C\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed3ng h\u00e0nh, gi\u1ea3i quy\u1ebft h\u1eadu qu\u1ea3 tai n\u1ea1n, nh\u1edd \u0111\u00f3 ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe c\u00f3 th\u1ec3 nhanh \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng v\u00e0 c\u00f4ng vi\u1ec7c.<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i ra <strong>c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/strong> c\u0169ng c\u00f3 \u00fd ngh\u0129a v\u1edbi ng\u01b0\u1eddi b\u1ecb n\u1ea1n, b\u1ea3o \u0111\u1ea3m cho ng\u01b0\u1eddi b\u1ecb n\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ee7 v\u00e0 k\u1ecbp th\u1eddi \u0111\u1ec3 nhanh ch\u00f3ng kh\u1eafc ph\u1ee5c t\u1ed5n th\u1ea5t v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n, m\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c ng\u01b0\u1eddi g\u00e2y tai n\u1ea1n c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 hay kh\u00f4ng.<\/p>\n\n\n\n<p>M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ed1i v\u1edbi <strong>thi\u1ec7t h\u1ea1i v\u1ec1 con ng\u01b0\u1eddi <\/strong>do xe c\u01a1 gi\u1edbi g\u00e2y ra l\u00e0 <strong>150 tri\u1ec7u \u0111\u1ed3ng\/ m\u1ed9t ng\u01b0\u1eddi\/ m\u1ed9t v\u1ee5<\/strong>.<\/li>\n\n\n\n<li>\u0110\u1ed1i v\u1edbi <strong>thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>50 tri\u1ec7u \u0111\u1ed3ng\/ 1 v\u1ee5 tai n\u1ea1n<\/strong>; tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i do xe m\u00f4 t\u00f4 hai b\u00e1nh; xe m\u00f4 t\u00f4 ba b\u00e1nh; xe g\u1eafn m\u00e1y (k\u1ec3 c\u1ea3 xe m\u00e1y \u0111i\u1ec7n) v\u00e0 c\u00e1c lo\u1ea1i xe c\u00f3 k\u1ebft c\u1ea5u t\u01b0\u01a1ng t\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 g\u00e2y ra.<\/li>\n\n\n\n<li><strong>100 tri\u1ec7u \u0111\u1ed3ng\/ 1 v\u1ee5 tai n\u1ea1n<\/strong>; tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i do xe \u00f4 t\u00f4; m\u00e1y k\u00e9o; r\u01a1 mo\u00f3c ho\u1eb7c s\u01a1 mi r\u01a1 mo\u00f3c \u0111\u01b0\u1ee3c k\u00e9o b\u1edfi xe \u00f4 t\u00f4, m\u00e1y k\u00e9o; xe m\u00e1y chuy\u00ean d\u00f9ng theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9 g\u00e2y ra.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Nhung_truong_hop_duoc_bao_hiem_TNDS_xe_may_boi_thuong\"><\/span>3. <strong>Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1ed3i th\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">a) Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1eed vong ho\u1eb7c m\u1ea5t n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1<\/h3>\n\n\n\n<p>Trong t\u00ecnh hu\u1ed1ng n\u00e0y, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng tr\u1ef1c ti\u1ebfp cho:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i (n\u1ea1n nh\u00e2n);<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi th\u1eeba k\u1ebf c\u1ee7a n\u1ea1n nh\u00e2n (n\u1ebfu n\u1ea1n nh\u00e2n \u0111\u00e3 t\u1eed vong);<\/li>\n\n\n\n<li>\u0110\u1ea1i di\u1ec7n c\u1ee7a n\u1ea1n nh\u00e2n (n\u1ebfu n\u1ea1n nh\u00e2n 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 6 tu\u1ed5i).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">b) Tr\u01b0\u1eddng h\u1ee3p xe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong nhi\u1ec1u xe c\u01a1 gi\u1edbi g\u00e2y tai n\u1ea1n<\/h3>\n\n\n\n<p>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 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">c)  Khi b\u00ean th\u1ee9 3 l\u00e0 ng\u01b0\u1eddi g\u00e2y ra l\u1ed7i ho\u00e0n to\u00e0n d\u1eabn \u0111\u1ebfn tai n\u1ea1n, \u0111\u01b0\u1ee3c T\u00f2a x\u00e1c nh\u1eadn<\/h3>\n\n\n\n<p>B\u00ean th\u1ee9 ba v\u1eabn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng, nh\u01b0ng m\u1ee9c chi tr\u1ea3 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 50% m\u1ee9c b\u1ed3i th\u01b0\u1eddng theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Nhung_truong_hop_khong_duoc_bao_hiem_TNDS_xe_may_boi_thuong\"><\/span>4. <strong>Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1ed3i th\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n\n\n\n<p>a) Ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n c\u1ed1 \u00fd g\u00e2y ra tai n\u1ea1n, g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n.<\/p>\n\n\n\n<p>b) Ng\u01b0\u1eddi l\u00e1i xe vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u01b0a \u0111\u1ee7 tu\u1ed5i l\u00e1i xe ho\u1eb7c qu\u00e1 \u0111\u1ed9 tu\u1ed5i \u0111i\u1ec1u khi\u1ec3n xe c\u01a1 gi\u1edbi theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt<\/li>\n\n\n\n<li>Kh\u00f4ng c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe ho\u1eb7c s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe kh\u00f4ng h\u1ee3p l\u1ec7 (b\u1ecb t\u1ea9y x\u00f3a, h\u1ebft h\u1ea1n s\u1eed d\u1ee5ng t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra tai n\u1ea1n, \u0111ang b\u1ecb t\u01b0\u1edbc quy\u1ec1n s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe c\u00f3 th\u1eddi h\u1ea1n ho\u1eb7c b\u1ecb thu h\u1ed3i Gi\u1ea5y ph\u00e9p l\u00e1i xe)<\/li>\n<\/ul>\n\n\n\n<p>c) L\u00e1i xe c\u1ed1 \u00fd b\u1ecf ch\u1ea1y sau khi g\u00e2y tai n\u1ea1n, kh\u00f4ng th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 theo quy \u0111\u1ecbnh.<\/p>\n\n\n\n<p>d) L\u00e1i xe c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n trong m\u00e1u ho\u1eb7c h\u01a1i th\u1edf, s\u1eed d\u1ee5ng ma t\u00fay ho\u1eb7c ch\u1ea5t k\u00edch th\u00edch b\u1ecb ph\u00e1p lu\u1eadt c\u1ea5m.<\/p>\n\n\n\n<p>e) Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n c\u00f3 h\u1eadu qu\u1ea3 gi\u00e1n ti\u1ebfp nh\u01b0: gi\u1ea3m gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n<p>f) Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n b\u1ecb m\u1ea5t c\u1eafp ho\u1eb7c b\u1ecb c\u01b0\u1edbp trong tai n\u1ea1n.<\/p>\n\n\n\n<p>g)&nbsp; Tai n\u1ea1n x\u1ea3y ra trong b\u1ed1i c\u1ea3nh chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1, thi\u00ean tai.<\/p>\n\n\n\n<p>h) Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u1eb7c bi\u1ec7t g\u1ed3m: v\u00e0ng, b\u1ea1c, \u0111\u00e1 qu\u00fd, \u0111\u1ed3 c\u1ed5, tranh qu\u00fd hi\u1ebfm, thi h\u00e0i, h\u00e0i c\u1ed1t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Ket\"><\/span>5. K\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hy v\u1ecdng b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 <strong>c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y<\/strong>, v\u00e0 v\u00ec sao vi\u1ec7c \u0111\u1ea7u t\u01b0 chi ph\u00ed ch\u01b0a \u0111\u1ebfn 100,000 \u0111\/n\u0103m cho kho\u1ea3n b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 ho\u00e0n to\u00e0n x\u1ee9ng \u0111\u00e1ng. B\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u1ee7a Saladin \u0111\u1ec3 tham kh\u1ea3o nhi\u1ec1u nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m xe m\u00e1y uy t\u00edn h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam, c\u0169ng nh\u01b0 thao t\u00e1c ch\u1ecdn mua, cung c\u1ea5p gi\u1ea5y t\u1edd, th\u00f4ng tin \u0111\u1ec3 \u0111\u0103ng k\u00fd mua b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng tr\u1ef1c tuy\u1ebfn.<\/p>\n\n\n\n<p>Tham kh\u1ea3o th\u00eam t\u1ea1i <a href=\"https:\/\/news.saladin.vn\/saladin-co-gi-moi\/saladin-bao-hiem-nghe-nang-cong-tam-trai-nghiem-nguoi-dung-viet-nam\/\">\u0111\u00e2y<\/a><\/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","protected":false},"excerpt":{"rendered":"<p>C\u00f9ng Saladin t\u00ecm hi\u1ec3u v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c \/ kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ec3 hi\u1ec3u r\u00f5 v\u1ec1 c\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y th\u00f4ng qua [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4173,"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],"class_list":["post-4070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-xe-may","tag-cong-dung-cua-bao-hiem-xe-may"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/05230154\/78.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\/10\/05230154\/78-300x151.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>"],"unlinked":["<span class=\"advgb-post-tax-term\">c\u00f4ng d\u1ee5ng 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 02\/10\/2022","modified":"Updated on 12\/12\/2022"},"absolute_dates_time":{"created":"Posted on 02\/10\/2022 10:32 PM","modified":"Updated on 12\/12\/2022 6:41 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4070","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=4070"}],"version-history":[{"count":5,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4070\/revisions"}],"predecessor-version":[{"id":6152,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4070\/revisions\/6152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/4173"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=4070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=4070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=4070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}