{"id":4186,"date":"2022-10-18T09:02:18","date_gmt":"2022-10-18T02:02:18","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4186"},"modified":"2024-04-25T18:05:09","modified_gmt":"2024-04-25T11:05:09","slug":"tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/","title":{"rendered":"T\u1ea1i sao n\u00ean mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4? M\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb"},"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\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/#I_Loi_ich_khi_mua_bao_hiem_tu_nguyen_xe_o_to\" >I. L\u1ee3i \u00edch khi mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/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\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/#II_Muc_boi_thuong_cua_bao_hiem_tu_nguyen_xe_o_to_tinh_the_nao\" >II. M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 t\u00ednh th\u1ebf n\u00e0o?<\/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\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/#III_Nhung_truong_hop_nao_khong_duoc_bao_hiem_tu_nguyen_xe_o_to_chi_tra\" >III. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 chi tr\u1ea3?<\/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\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen\/#IV_Ket_luan\" >IV. K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color:#defdff\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1492\" height=\"1253\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png\" alt=\"\" class=\"wp-image-21922\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png 1492w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-300x252.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-1024x860.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-768x645.png 768w\" sizes=\"auto, (max-width: 1492px) 100vw, 1492px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-text-align-left has-text-color has-link-color wp-elements-7b7335f33daf8b0bd482d3ad03c7874b\" style=\"color:#1e3888;font-size:16px;line-height:1.1\"><strong>Nh\u1eadn b\u00e1o gi\u00e1 t\u1eeb 6 C\u00f4ng ty B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-e6363d88-ddf1-4584-a973-e9d90f26a153\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #14c560; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #1D7243; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p><strong><em>M\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng ph\u00e2n v\u00e2n kh\u00f4ng bi\u1ebft c\u00f3 n\u00ean mua c\u00e1c lo\u1ea1i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-vat-chat-toan-dien-xe-oto.html\" title=\"\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a> hay kh\u00f4ng khi \u0111\u00e3 c\u00f3 <a href=\"https:\/\/www.saladin.vn\/bao-hiem-trach-nhiem-dan-su-bat-buoc-xe-oto.html\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a>. B\u00e0i vi\u1ebft d\u01b0\u1edbi s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u th\u00eam v\u1ec1 l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n. Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n, b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n s\u1ebd b\u1ed3i th\u01b0\u1eddng bao nhi\u00eau? C\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng?<\/em><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized advgb-dyn-e5cd95f3\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/10\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen-1024x683.jpg\" alt=\"\" class=\"wp-image-4189\" style=\"width:736px;height:491px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002103\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002103\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002103\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002103\/tai-sao-nen-mua-bao-hiem-o-to-tu-nguyen.jpg 1500w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Loi_ich_khi_mua_bao_hiem_tu_nguyen_xe_o_to\"><\/span><strong>I. L\u1ee3i \u00edch khi mua <\/strong><a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-o-to\/\" title=\"\"><strong>b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n<\/strong> xe \u00f4 t\u00f4<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n d\u00e0nh cho \u00f4 t\u00f4 c\u00f3 nhi\u1ec1u lo\u1ea1i. T\u00f9y v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n ch\u1ecdn, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng nh\u1eefng quy\u1ec1n l\u1ee3i kh\u00e1c nhau. C\u00f9ng tham kh\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn nh\u1ea5t nh\u00e9:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Chi tr\u1ea3 cho nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t <\/strong>v\u1edbi <strong>B\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu mu\u1ed1n b\u1ea3o v\u1ec7 th\u00e2n v\u1ecf xe \u00f4 t\u00f4, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn mua <strong>B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong>. V\u1edbi lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n n\u00e0y, b\u1ea1n \u0111\u01b0\u1ee3c chi tr\u1ea3 c\u00e1c ph\u00ed t\u1ed5n c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1eeda ch\u1eefa cho xe \u00f4 t\u00f4 v\u1ec1 t\u00ecnh tr\u1ea1ng ban \u0111\u1ea7u khi xe b\u1ecb h\u01b0 h\u1ecfng do c\u00e1c nguy\u00ean nh\u00e2n b\u1ea5t kh\u1ea3 kh\u00e1ng, kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c nh\u01b0:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u00e2m, va, l\u1eadt, \u0111\u1ed5, ch\u00ecm, r\u01a1i to\u00e0n b\u1ed9 xe, b\u1ecb c\u00e1c v\u1eadt th\u1ec3 kh\u00e1c r\u01a1i v\u00e0o;<\/li>\n\n\n\n<li>H\u1ecfa ho\u1ea1n, ch\u00e1y, n\u1ed5;<\/li>\n\n\n\n<li>Nh\u1eefng tai n\u1ea1n do thi\u00ean nhi\u00ean;<\/li>\n\n\n\n<li>\u0110\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 n\u1ebfu b\u1ecb m\u1ea5t c\u1eafp ho\u00e0n to\u00e0n xe \u00f4 t\u00f4 ho\u1eb7c thi\u1ec7t h\u1ea1i l\u00ean \u0111\u1ebfn 75% gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng c\u1ee7a xe.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. B\u1ea3o v\u1ec7 l\u00e1i ph\u1ee5 v\u00e0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong> v\u1edbi <strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-tai-nan-o-to\/\" title=\"\">B\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4<\/a><\/strong><\/h3>\n\n\n\n<p>Khi b\u1ea1n mua th\u00eam <strong>b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong> th\u00ec trong tr\u01b0\u1eddng h\u1ee3p nh\u1eefng ng\u01b0\u1eddi n\u00e0y (bao g\u1ed3m c\u1ea3 ng\u01b0\u1eddi th\u00e2n, l\u00e1i ph\u1ee5, l\u01a1 xe hay h\u00e0nh kh\u00e1ch) g\u1eb7p tai n\u1ea1n d\u1eabn \u0111\u1ebfn t\u1eed vong ho\u1eb7c th\u01b0\u01a1ng t\u1eadt, b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed t\u1ed5n th\u1ea5t theo s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 tho\u1ea3 thu\u1eadn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do s\u1ef1 c\u1ed1 v\u1eadn chuy\u1ec3n<\/strong> v\u1edbi <strong>B\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a xe \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<p>Trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n h\u00e0ng h\u00f3a, n\u1ebfu xe b\u1ea1n g\u1eb7p v\u1ea5n \u0111\u1ec1 nh\u01b0 tai n\u1ea1n, va qu\u1eb9t\u2026 do l\u1ed7i c\u1ee7a b\u1ea1n g\u00e2y ra khi\u1ebfn h\u00e0ng ho\u00e1 tr\u00ean xe m\u1ea5t m\u00e1t, h\u01b0 h\u1ecfng, <strong>b\u1ea3o hi\u1ec3m h\u00e0ng ho\u00e1<\/strong> s\u1ebd chi tr\u1ea3 cho nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 h\u00e0ng h\u00f3a \u0111\u00f3. Theo \u0111\u00f3, h\u00e0ng ho\u00e1 tr\u00ean xe (c\u1ee7a ch\u00ednh b\u1ea1n ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi thu\u00ea b\u1ea1n v\u1eadn chuy\u1ec3n) \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 v\u1edbi c\u00e1c h\u1ea1ng m\u1ee5c  nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ph\u00ed ng\u0103n ng\u1eeba gi\u1ea3m nh\u1eb9 t\u1ed5n th\u1ea5t;<\/li>\n\n\n\n<li>Ph\u00ed b\u1ea3o qu\u1ea3n, di chuy\u1ec3n, l\u01b0u kho b\u00e3i do t\u00e1c d\u1ee5ng ph\u1ee5 c\u1ee7a tai n\u1ea1n;<\/li>\n\n\n\n<li>Ph\u00ed gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t;<\/li>\n\n\n\n<li>To\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb c\u1ee7a h\u00e0ng h\u00f3a.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. B\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng th\u00eam khi v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c:<\/strong><\/h3>\n\n\n\n<p>Theo \u0111\u00f3, \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n m\u00e0 m\u1ee9c thi\u1ec7t h\u1ea1i v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ed5 sung b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n. L\u00fac n\u00e0y, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1ed3i th\u01b0\u1eddng th\u00eam cho b\u1ea1n theo c\u00e1c quy t\u1eafc sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi: <\/em><\/strong>Sau khi chi tr\u1ea3 h\u1ebft theo m\u1ee9c tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 ti\u1ebfp s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 cho b\u00ean b\u1ecb thi\u1ec7t h\u1ea1i, d\u1ef1a v\u00e0o m\u1ee9c \u0111\u1ed9 ph\u1ea1m l\u1ed7i, nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m m\u00e0 b\u1ea1n \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m.&nbsp;<\/li>\n\n\n\n<li><strong><em>\u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n: <\/em><\/strong>Sau khi chi tr\u1ea3 h\u1ebft theo m\u1ee9c tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 th\u00eam ph\u1ea7n ch\u00eanh l\u1ec7ch c\u1ee7a s\u1ed1 ti\u1ec1n ch\u1ee7 xe \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n ch\u1ee7 xe \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c \u0111\u1ed9 l\u1ed7i trong v\u1ee5 tai n\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. L\u1ee3i \u00edch h\u1ed7 tr\u1ee3 kh\u00e1c<\/strong> c\u1ee7a <a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-tu-nguyen-xe-o-to\/\" title=\"\">b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/a><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u01b0\u1ee3c truy c\u1eadp hotline 24\/7 \u0111\u1ec3 nh\u1edd nh\u00e2n vi\u00ean chuy\u00ean tr\u00e1ch h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p.<\/li>\n\n\n\n<li>\u0110\u01b0\u1ee3c c\u1ee9u h\u1ed9 giao th\u00f4ng ho\u00e0n to\u00e0n mi\u1ec5n ph\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Muc_boi_thuong_cua_bao_hiem_tu_nguyen_xe_o_to_tinh_the_nao\"><\/span><strong>II. M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 t\u00ednh th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tr\u01b0\u1eddng h\u1ee3p 1<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m d\u01b0\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng (ho\u1eb7c m\u1ed9t s\u1ed1 c\u00f4ng ty quy \u0111\u1ecbnh l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng): S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c tr\u1ea3 theo quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tr\u01b0\u1eddng h\u1ee3p 2<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m d\u01b0\u1edbi 100 tri\u1ec7u \u0111\u1ed3ng (ho\u1eb7c m\u1ed9t s\u1ed1 c\u00f4ng ty quy \u0111\u1ecbnh l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng):<\/p>\n\n\n\n<p>M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u01a1 s\u1edf thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf h\u1ee3p l\u00fd v\u00e0 m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a ch\u1ee7 xe<\/p>\n\n\n\n<p>Thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf h\u1ee3p l\u00fd c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chi ph\u00ed cho vi\u1ec7c l\u1eafp ch\u00e2n gi\u1ea3, tay gi\u1ea3, m\u1eaft gi\u1ea3, mua xe l\u0103n, xe \u0111\u1ea9y, n\u1ea1ng ch\u1ed1ng v\u00e0 kh\u1eafc ph\u1ee5c th\u1ea9m m\u1ef9&#8230; \u0111\u1ec3 h\u1ed7 tr\u1ee3 ho\u1eb7c thay th\u1ebf m\u1ed9t ph\u1ea7n ch\u1ee9c n\u0103ng c\u1ee7a c\u01a1 th\u1ec3 b\u1ecb m\u1ea5t ho\u1eb7c b\u1ecb gi\u1ea3m s\u00fat c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i.<\/li>\n\n\n\n<li>C\u00e1c ph\u00ed t\u1ed5n h\u1ee3p l\u00fd cho vi\u1ec7c c\u1ee9u ch\u1eefa, ch\u0103m s\u00f3c ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i tr\u01b0\u1edbc khi ch\u1ebft. <em>V\u00ed d\u1ee5:<\/em> Ti\u1ec1n thu\u00ea ph\u01b0\u01a1ng ti\u1ec7n c\u1ea5p c\u1ee9u, ti\u1ec1n thu\u1ed1c v\u00e0 thi\u1ebft b\u1ecb y t\u1ebf, chi ph\u00ed ch\u1ee5p X quang, si\u00eau \u00e2m, m\u1ed5, truy\u1ec1n m\u00e1u, v\u1eadt l\u00fd tr\u1ecb li\u1ec7u, thu\u1ed1c b\u1ed5,&#8230; cho ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129.<\/li>\n\n\n\n<li>Nh\u1eefng chi ph\u00ed h\u1ee3p l\u00fd h\u00e0ng th\u00e1ng cho vi\u1ec7c nu\u00f4i d\u01b0\u1ee1ng, ch\u0103m s\u00f3c ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng ho\u1eb7c b\u1ecb suy gi\u1ea3m kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng v\u0129nh vi\u1ec5n t\u1eeb 81% tr\u1edf l\u00ean.<\/li>\n\n\n\n<li>Ngo\u00e0i ra, ng\u01b0\u1eddi mua c\u0169ng c\u00f3 th\u1ec3 nh\u1eadn kho\u1ea3n ti\u1ec1n c\u1ea5p d\u01b0\u1ee1ng cho nh\u1eefng ng\u01b0\u1eddi m\u00e0 ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i c\u00f3 ngh\u0129a v\u1ee5 c\u1ea5p d\u01b0\u1ee1ng tr\u01b0\u1edbc khi ch\u1ebft ho\u1eb7c tr\u01b0\u1edbc khi m\u1ea5t kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tr\u01b0\u1eddng h\u1ee3p 3<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra tai n\u1ea1n, s\u1ed1 ng\u01b0\u1eddi th\u1ef1c t\u1ebf tr\u00ean xe l\u1edbn h\u01a1n s\u1ed1 ng\u01b0\u1eddi th\u1ef1c t\u1ebf ghi tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u00ec m\u1ee9c b\u1ea3o hi\u1ec3m s\u1ebd gi\u1ea3m theo t\u1ef7 l\u1ec7 gi\u1eefa s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ng\u01b0\u1eddi th\u1ef1c t\u1ebf tr\u00ean xe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Tr\u01b0\u1eddng h\u1ee3p 4<\/strong><\/h3>\n\n\n\n<p>N\u1ebfu trong v\u00f2ng 1 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y x\u1ea3y ra tai n\u1ea1n, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1eed vong do h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 chi tr\u1ea3 th\u00eam cho \u0111\u1ee7 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ghi tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p t\u1eed vong.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Nhung_truong_hop_nao_khong_duoc_bao_hiem_tu_nguyen_xe_o_to_chi_tra\"><\/span><strong>III. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 chi tr\u1ea3?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u0110i\u1ec1u ki\u1ec7n lo\u1ea1i tr\u1eeb chung<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u1ee7 xe ho\u1eb7c ng\u01b0\u1eddi l\u00e1i xe c\u00f3 h\u00e0nh \u0111\u1ed9ng c\u1ed1 \u00fd g\u00e2y tai n\u1ea1n, g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn ng\u01b0\u1eddi v\u00e0 v\u1eadt ch\u1ea5t.<\/li>\n\n\n\n<li>Tai n\u1ea1n x\u1ea3y ra ngo\u00e0i l\u00e3nh th\u1ed5 Vi\u1ec7t Nam.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p l\u1ec7.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n trong m\u00e1u v\u01b0\u1ee3t qu\u00e1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh ho\u1eb7c c\u00f3 s\u1eed d\u1ee5ng c\u00e1c ch\u1ea5t k\u00edch th\u00edch b\u1ecb c\u1ea5m.<\/li>\n\n\n\n<li>Xe s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1eadp l\u00e1i, \u0111ua (k\u1ec3 c\u1ea3 h\u1ee3p ph\u00e1p ho\u1eb7c tr\u00e1i ph\u00e9p).<\/li>\n\n\n\n<li>Khi xee \u0111i kh\u00f4ng \u0111i \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt Giao th\u00f4ng, ho\u1eb7c kh\u00f4ng c\u00f3 \u0111\u1ee7 \u0111\u00e8n chi\u1ebfu s\u00e1ng, ho\u1eb7c ch\u1edf qu\u00e1 s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi theo quy \u0111\u1ecbnh.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i c\u00f3 h\u1eadu qu\u1ea3 gi\u00e1n ti\u1ebfp, kh\u00f4ng ph\u1ea3i do tai n\u1ea1n tr\u1ef1c ti\u1ebfp g\u00e2y ra.<\/li>\n\n\n\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i do chi\u1ebfn tranh v\u00e0 c\u00e1c nguy\u00ean nh\u00e2n t\u01b0\u01a1ng t\u1ef1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hao m\u00f2n, h\u01b0 h\u1ecfng theo nguy\u00ean l\u00fd ho\u1ea1t \u0111\u1ed9ng t\u1ef1 nhi\u00ean c\u1ee7a \u00f4 t\u00f4.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i do xe m\u1ea5t gi\u00e1, ho\u1eb7c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m s\u1eed d\u1ee5ng xe.<\/li>\n\n\n\n<li>H\u01b0 h\u1ecfng do \u0111\u00e3 t\u1eebng s\u1eeda ch\u1eefa, l\u1eafp r\u00e1p th\u00eam.<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p h\u01b0 h\u1ecfng v\u1ec1 \u0111i\u1ec7n ho\u1eb7c c\u00e1c b\u1ed9 ph\u1eadn thi\u1ebft b\u1ecb, m\u00e1y m\u00f3c kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh.<\/li>\n\n\n\n<li>Xe b\u1ecb tr\u1ed9m c\u1eafp, b\u1ecb c\u01b0\u1edbp, b\u1ecb c\u01b0\u1ee1ng \u0111o\u1ea1t, tr\u1eeb khi ch\u1ecdn \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m b\u1ed5 sung.<\/li>\n\n\n\n<li>T\u1ed5n th\u1ea5t \u0111\u1ed9ng c\u01a1 xe do hi\u1ec7n t\u01b0\u1ee3ng th\u1ee7y k\u00edch, tr\u1eeb khi ch\u1ecdn \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m b\u1ed5 sung.<\/li>\n\n\n\n<li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u1ed5n th\u1ea5t \u0111\u1ed1i v\u1edbi s\u0103m l\u1ed1p, \u0111\u1ec1 can, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p t\u1ed5n th\u1ea5t c\u00f3 c\u00f9ng nguy\u00ean nh\u00e2n v\u00e0 x\u1ea3y ra \u0111\u1ed3ng th\u1eddi v\u1edbi c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c c\u1ee7a xe, trong c\u00f9ng m\u1ed9t tai n\u1ea1n.<\/li>\n\n\n\n<li>B\u1ecb tai n\u1ea1n do s\u1eed d\u1ee5ng xe \u0111\u1ec3 c\u01b0\u1edbp gi\u1eadt t\u00e0i s\u1ea3n ho\u1eb7c c\u00e1c m\u1ee5c \u0111\u00edch b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb b\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4 cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ed1 \u00fd t\u1ef1 g\u00e2y tai n\u1ea1n ho\u1eb7c th\u01b0\u01a1ng t\u1ed5n.<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tham gia \u1ea9u \u0111\u1ea3, \u0111\u00e1nh nhau tr\u1eeb khi \u0111\u01b0\u1ee3c c\u00f4ng an x\u00e1c nh\u1eadn \u0111\u00f3 l\u00e0 h\u00e0nh \u0111\u1ed9ng t\u1ef1 v\u1ec7.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng ma t\u00fay, ch\u1ea5t k\u00edch th\u00edch ho\u1eb7c c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n v\u01b0\u1ee3t qu\u00e1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ecb c\u1ea3m \u0111\u1ed9t ng\u1ed9t, tr\u00fang gi\u00f3.<\/li>\n\n\n\n<li>C\u00e1c s\u1ef1 c\u1ed1 ng\u1ed9 \u0111\u1ed9c do th\u1ee9c \u0103n, \u0111\u1ed3 u\u1ed1ng ho\u1eb7c s\u1eed d\u1ee5ng thu\u1ed1c kh\u00f4ng theo ch\u1ec9 d\u1eabn c\u1ee7a c\u01a1 quan y t\u1ebf.<\/li>\n<\/ul>\n\n\n\n<p><strong>C\u1ea9m nang \u00f4 t\u00f4<\/strong>:  <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; &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><\/p>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignfull has-background is-layout-constrained wp-container-core-group-is-layout-7b61d197 wp-block-group-is-layout-constrained\" style=\"background-color:#defdff;padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-70cc1671 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-fe6fb673 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-text-color has-superbfont-xlarge-font-size\" style=\"color:#1e3888\"><strong>B\u1ea2O HI\u1ec2M V\u1eacT CH\u1ea4T \u00d4 T\u00d4 5.0<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left has-text-color\" style=\"color:#1e3888;font-size:28px\"><strong>5 B\u01af\u1edaC MUA, 5 PH\u00daT XONG, D\u1ec4 NH\u01af KH\u00d4NG!<\/strong><\/p>\n<\/div>\n\n\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-42c93faa-2a57-4a45-813e-ae9ad97925a0\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  nofollow \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: rgb(20, 197, 96); --ub-button-color: rgb(255, 255, 255); --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IV_Ket_luan\"><\/span>IV. K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00f3 th\u1ec3 th\u1ea5y, <strong>b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4<\/strong> mang l\u1ea1i kh\u00e1 nhi\u1ec1u l\u1ee3i \u00edch b\u1ed5 sung h\u1eefu \u00edch m\u00e0 <strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-tnds-bat-buoc-o-to\/\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/strong> kh\u00f4ng th\u1ec3 \u0111\u00e1p \u1ee9ng h\u1ebft. Do \u0111\u00f3, mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn th\u00f4ng minh \u0111\u1ec3 gi\u1ea3m g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi c\u00f3 v\u1ea5n \u0111\u1ec1 b\u1ea5t tr\u1eafc x\u1ea3y ra v\u1edbi chi\u1ebfc xe.<\/p>\n\n\n\n<p>Tham kh\u1ea3o: <strong><a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/5-loai-bao-hiem-o-to-tu-nguyen\/\" title=\"\"><\/a><a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/5-loai-bao-hiem-o-to-tu-nguyen\/\">5 lo\u1ea1i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n b\u1ea1n c\u1ea7n bi\u1ebft khi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online<\/a><\/strong><\/p>\n\n\n\n<p>                     <a href=\"https:\/\/news.saladin.vn\/bao-hiem-o-to\/bao-hiem-o-to-tu-nguyen-la-gi-co-may-loai\/\" title=\"\"><strong>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n xe \u00f4 t\u00f4 v\u00e0 m\u1ee9c ph\u00ed t\u1eebng lo\u1ea1i<\/strong><\/a><\/p>\n\n\n\n<p>V\u1edbi b\u00e0i vi\u1ebft tr\u00ean, b\u1ea1n \u0111\u00e3 t\u1ef1 tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c t\u1ea1i sao m\u00ecnh n\u00ean mua b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u00f4 t\u00f4. \u0110\u1eebng qu\u00ean l\u00ean ngay \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong> \u0111\u1ec3 tham kh\u1ea3o c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n uy t\u00edn v\u00e0 tr\u1ea3i nghi\u1ec7m quy tr\u00ecnh mua d\u1ec5 d\u00e0ng nh\u00e9!<\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Email<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" 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