{"id":4192,"date":"2022-10-10T04:44:18","date_gmt":"2022-10-09T21:44:18","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4192"},"modified":"2022-11-09T17:34:16","modified_gmt":"2022-11-09T10:34:16","slug":"tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen\/","title":{"rendered":"C\u00f4ng d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n: Tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3?"},"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\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen\/#I_Loi_ich_khi_mua_bao_hiem_xe_may_tu_nguyen_la_gi\" >I. L\u1ee3i \u00edch khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n 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-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen\/#II_Muc_boi_thuong_cua_bao_hiem_xe_may_tu_nguyen_la_bao_nhieu\" >II. M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 bao nhi\u00eau?<\/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\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen\/#III_Nhung_truong_hop_khong_duoc_bao_hiem_xe_may_tu_nguyen_chi_tra\" >III. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n 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-xe-may\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen\/#IV_Ket\" >IV. K\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Ngo\u00e0i b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1eaft bu\u1ed9c, b\u1ea1n c\u00f3 th\u1ec3 c\u0169ng quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n v\u00ec t\u1eebng nghe n\u00f3i v\u1ec1 nh\u1eefng quy\u1ec1n l\u1ee3i h\u1eefu \u00edch c\u1ee7a n\u00f3. V\u1eady t\u1ea1i sao n\u00ean mua th\u00eam b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n v\u00e0 <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> n\u00e0y l\u00e0 g\u00ec? H\u00e3y quy\u1ebft \u0111\u1ecbnh sau khi \u0111\u1ecdc b\u00e0i vi\u1ebft n\u00e0y nh\u00e9 !<\/em><\/strong><\/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\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen-1024x682.jpg\" alt=\"\" class=\"wp-image-4194\" width=\"775\" height=\"516\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002311\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen-1024x682.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002311\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002311\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen-768x511.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06002311\/tai-sao-nen-mua-bao-hiem-xe-may-tu-nguyen.jpg 1502w\" sizes=\"auto, (max-width: 775px) 100vw, 775px\" \/><\/figure>\n\n\n\n<p>B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 s\u1ea3n ph\u1ea9m cung c\u1ea5p quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe (bao g\u1ed3m ch\u1ee7 xe v\u00e0 ng\u01b0\u1eddi \u0111i c\u00f9ng), khi g\u1eb7p c\u00e1c r\u1ee7i ro tai n\u1ea1n, ch\u00e1y n\u1ed5 ho\u1eb7c tr\u1ed9m c\u01b0\u1edbp. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i mang theo m\u1ed7i khi tham gia giao th\u00f4ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Loi_ich_khi_mua_bao_hiem_xe_may_tu_nguyen_la_gi\"><\/span><strong>I. L\u1ee3i \u00edch khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n kh\u00e1c nhau c\u00f3 c\u00f4ng d\u1ee5ng v\u00e0 l\u1ee3i \u00edch kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng nh\u01b0 b\u00ean d\u01b0\u1edbi:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n ch\u00e1y n\u1ed5<\/strong><\/h3>\n\n\n\n<p>Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng: Ch\u1ee7 xe \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t xe x\u1ea3y ra do h\u1ecfa ho\u1ea1n, ch\u00e1y, n\u1ed5.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n m\u1ea5t xe<\/strong><\/h3>\n\n\n\n<p>Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng: Ch\u1ee7 xe \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi vi\u1ec7c b\u1ecb m\u1ea5t xe m\u00e1y trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u1ea5t xe khi g\u1eedi t\u1ea1i c\u00e1c \u0111i\u1ec3m gi\u1eef xe \u1edf tr\u01b0\u1eddng h\u1ecdc, b\u1ec7nh vi\u1ec7n, c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, t\u00f2a nh\u00e0 ho\u1eb7c b\u00e3i gi\u1eef xe c\u00f4ng c\u1ed9ng (\u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ea5p ph\u00e9p) v\u00e0 c\u00f3 phi\u1ebfu gi\u1eef xe l\u00e0m b\u1eb1ng ch\u1ee9ng.<\/li>\n\n\n\n<li>M\u1ea5t xe do tr\u1ed9m, c\u01b0\u1edbp \u0111\u1ed9t nh\u1eadp, c\u1ea1y ph\u00e1 nh\u00e0 \u1edf, n\u01a1i c\u01b0 tr\u00fa v\u00e0 \u0111\u1ec3 l\u1ea1i d\u1ea5u v\u1ebft ho\u1eb7c ch\u1ee7 nh\u00e0 b\u1ecb t\u1ea5n c\u00f4ng, \u0111e d\u1ecda b\u1eb1ng v\u0169 l\u1ef1c.<\/li>\n\n\n\n<li>M\u1ea5t xe do c\u01b0\u1edbp t\u1ea5n c\u00f4ng ho\u1eb7c \u0111e d\u1ecda d\u00f9ng v\u0169 l\u1ef1c v\u1edbi ng\u01b0\u1eddi l\u00e1i xe.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. B\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n tai n\u1ea1n xe<\/strong><\/h3>\n\n\n\n<p>Ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng: Ch\u1ee7 xe \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t xe x\u1ea3y ra do tai n\u1ea1n b\u1ea5t ng\u1edd, ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe, c\u1ee5 th\u1ec3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>X\u1ea3y ra va ch\u1ea1m v\u1edbi xe kh\u00e1c nh\u01b0 \u0111\u00e2m, va, l\u1eadt, \u0111\u1ed5.<\/li>\n\n\n\n<li>Do thi\u00ean nhi\u00ean g\u00e2y ra nh\u01b0: B\u00e3o, l\u0169 l\u1ee5t, m\u01b0a \u0111\u00e1, s\u00f3ng th\u1ea7n, s\u1ea5m s\u00e9t, s\u1ea1t l\u1edf, \u0111\u1ed9ng \u0111\u1ea5t,&#8230;<\/li>\n\n\n\n<li>V\u1eadt th\u1ec3 kh\u00e1c tr\u00ean \u0111\u01b0\u1eddng t\u00e1c \u0111\u1ed9ng l\u00ean xe.<\/li>\n\n\n\n<li>Tai n\u1ea1n trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n kh\u00e1c, tr\u1eeb \u0111\u01b0\u1eddng h\u00e0ng kh\u00f4ng, v\u1edbi \u0111i\u1ec1u ki\u1ec7n qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n \u0111\u00e3 c\u00f3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p an to\u00e0n theo quy \u0111\u1ecbnh.<\/li>\n\n\n\n<li>Nguy\u00ean nh\u00e2n b\u1ea5t ng\u1edd kh\u00e1c n\u1eb1m ngo\u00e0i nh\u1eefng tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/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_xe_may_tu_nguyen_la_bao_nhieu\"><\/span><strong>II. M\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n l\u00e0 bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. B\u1ed3i th\u01b0\u1eddng t\u1ed5n th\u1ea5t b\u1ed9 ph\u1eadn<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n gi\u00e1 tr\u1ecb xe<\/em><\/strong>: S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n tham gia b\u1ea3o hi\u1ec3m v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a b\u1ed9 ph\u1eadn \u0111\u00f3 t\u1ea1i th\u1eddi \u0111i\u1ec3m tham gia b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li><strong><em>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n ho\u1eb7c b\u1eb1ng gi\u00e1 tr\u1ecb xe<\/em><\/strong>: B\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u00fang b\u1eb1ng gi\u00e1 s\u1eeda ch\u1eefa, kh\u00f4i ph\u1ee5c.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow advgb-dyn-1c5c01e5\">\n<p><em>V\u00ed d\u1ee5:<\/em> Xe b\u1ecb v\u1ee1 y\u1ebfm, gi\u00e1 tr\u1ecb thay y\u1ebfm xe m\u1edbi theo b\u00e1o gi\u00e1 c\u1ee7a h\u00e3ng xe l\u00e0 7 tri\u1ec7u. N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n gi\u00e1 tr\u1ecb y\u1ebfm xe, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ed3i th\u01b0\u1eddng \u0111\u1ee7 7 tri\u1ec7u.&nbsp;<\/p>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u00e1p d\u1ee5ng m\u1ee9c kh\u1ea5u tr\u1eeb l\u00e0 500.000 \u0111\u1ed3ng, b\u1ea1n \u0111\u01b0\u1ee3c tr\u1ea3 6,5 tri\u1ec7u v\u00e0 t\u1ef1 chi tr\u1ea3 500.000 \u0111\u1ed3ng. M\u1ee9c kh\u1ea5u tr\u1eeb l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 ch\u1ee7 xe ph\u1ea3i t\u1ef1 ch\u1ecbu \u0111\u1ec3 s\u1eeda ch\u1eefa xe, theo quy \u0111\u1ecbnh c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. B\u1ed3i th\u01b0\u1eddng t\u1ed5n th\u1ea5t to\u00e0n b\u1ed9<\/strong><\/h3>\n\n\n\n<p>Tr\u01b0\u1eddng h\u1ee3p n\u00e0y d\u00e0nh cho xe b\u1ecb thi\u1ec7t h\u1ea1i, h\u01b0 h\u1ecfng tr\u00ean 75% gi\u00e1 tr\u1ecb xe t\u1ea1i th\u1eddi \u0111i\u1ec3m t\u1ed5n th\u1ea5t, ho\u1eb7c xe h\u01b0 h\u1ecfng \u0111\u1ebfn m\u1ee9c kh\u00f4ng b\u1ea3o \u0111\u1ea3m l\u01b0u th\u00f4ng an to\u00e0n<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n gi\u00e1 tr\u1ecb xe<\/em><\/strong>: B\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n ghi tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li><strong><em>N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n ho\u1eb7c b\u1eb1ng gi\u00e1 tr\u1ecb xe<\/em><\/strong>: B\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng s\u1ed1 ti\u1ec1n b\u1eb1ng gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a xe t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra tai n\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow advgb-dyn-e517fdb6\">\n<p><em>V\u00ed d\u1ee5: N\u1ebfu b\u1ea1n g\u1eb7p tai n\u1ea1n v\u00e0 b\u1ecb h\u01b0 xe m\u00e1y Air Blade 2021 c\u00f3 gi\u00e1 41.500.000 \u0111\u1ed3ng tr\u00ean 75% gi\u00e1 tr\u1ecb xe. N\u1ebfu tham gia b\u1ea3o hi\u1ec3m v\u1edbi s\u1ed1 ti\u1ec1n cao h\u01a1n gi\u00e1 tr\u1ecb xe, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng s\u1ed1 ti\u1ec1n 41.500.000 \u0111\u1ed3ng.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c b\u1ed3i th\u01b0\u1eddng s\u1ebd kh\u00e1c nhau, t\u00f9y v\u00e0o th\u1ecfa thu\u1eadn gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m \u0111\u00e3 ghi tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n uy t\u00edn tr\u00ean \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong>. Tr\u00ean n\u1ec1n t\u1ea3ng n\u00e0y, b\u1ea1n c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n vi\u00ean c\u1ee7a <strong>Saladin<\/strong> h\u1ed7 tr\u1ee3 n\u1ebfu x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p c\u1ea7n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Nhung_truong_hop_khong_duoc_bao_hiem_xe_may_tu_nguyen_chi_tra\"><\/span><strong>III. Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n chi tr\u1ea3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u0110\u1ed1i v\u1edbi B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5<\/strong><\/h3>\n\n\n\n<p>Ch\u00e1y, n\u1ed5 do l\u1ed7i c\u1ee7a nh\u00e0 s\u1ea3n xu\u1ea5t ho\u1eb7c do ng\u01b0\u1eddi s\u1eed d\u1ee5ng t\u1ef1 \u00fd thay \u0111\u1ed5i\/ l\u1eafp th\u00eam linh ki\u1ec7n kh\u00f4ng theo thi\u1ebft k\u1ebf ban \u0111\u1ea7u c\u1ee7a nh\u00e0 s\u1ea3n xu\u1ea5t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u0110\u1ed1i v\u1edbi B\u1ea3o hi\u1ec3m m\u1ea5t c\u1eafp<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u1ec9 m\u1ea5t c\u1eafp b\u1ed9 ph\u1eadn xe;<\/li>\n\n\n\n<li>Xe b\u1ecb m\u1ea5t do tr\u1ed9m \u0111\u1ed9t nh\u1eadp v\u00e0o nh\u00e0 nh\u01b0ng kh\u00f4ng \u0111\u1ec3 l\u1ea1i d\u1ea5u v\u1ebft, ho\u1eb7c kh\u00f4ng c\u00f3 b\u1eb1ng ch\u1ee9ng, kh\u00f4ng l\u00fd gi\u1ea3i \u0111\u01b0\u1ee3c, ho\u1eb7c \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh do s\u1ef1 b\u1ea5t c\u1ea9n c\u1ee7a ch\u1ee7 xe g\u00e2y ra.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>\u0110\u1ed1i v\u1edbi B\u1ea3o hi\u1ec3m tai n\u1ea1n xe<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e1i xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p l\u1ec7 ho\u1eb7c \u0111ang b\u1ecb t\u01b0\u1edbc gi\u1ea5y ph\u00e9p l\u00e1i xe.<\/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>Tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n do h\u00e0nh \u0111\u1ed9ng \u0111ua xe c\u1ea3 h\u1ee3p ph\u00e1p v\u00e0 tr\u00e1i ph\u00e9p, ho\u1eb7c do c\u00e1c h\u00e0nh \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c.<\/li>\n\n\n\n<li>Tai n\u1ea1n do l\u00e1i xe c\u00f3 s\u1eed d\u1ee5ng ma t\u00fay ho\u1eb7c c\u00e1c ch\u1ea5t k\u00edch th\u00edch b\u1ecb c\u1ea5m; c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n v\u01b0\u1ee3t qu\u00e1 m\u1ee9c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.<\/li>\n\n\n\n<li>Xe v\u1eadn chuy\u1ec3n h\u00e0ng tr\u00e1i ph\u00e9p ho\u1eb7c kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n v\u1eadn chuy\u1ec3n.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi s\u0103m l\u1ed1p (v\u1ecf ru\u1ed9t), nh\u00e3n m\u00e1c, \u0111\u1ec1 can, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p t\u1ed5n th\u1ea5t n\u00e0y x\u1ea3y ra \u0111\u1ed3ng th\u1eddi v\u1edbi c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c c\u1ee7a xe, do c\u00f9ng nguy\u00ean nh\u00e2n, trong c\u00f9ng m\u1ed9t v\u1ee5 tai n\u1ea1n.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi c\u00e1c b\u1ed9 ph\u1eadn, thi\u1ebft b\u1ecb l\u1eafp th\u00eam tr\u00ean xe, kh\u00f4ng ph\u1ea3i c\u1ee7a ch\u00ednh nh\u00e0 s\u1ea3n xu\u1ea5t l\u1eafp r\u00e1p. N\u1ebfu mu\u1ed1n b\u1ea3o hi\u1ec3m cho c\u1ea3 c\u00e1c b\u1ed9 ph\u1eadn n\u00e0y, b\u1ea1n ph\u1ea3i mua b\u1ea3o hi\u1ec3m b\u1ed5 sung cho ph\u1ea7n gi\u00e1 tr\u1ecb l\u1eafp r\u00e1p th\u00eam, \u0111\u01b0\u1ee3c ghi r\u00f5 trong Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.&nbsp;<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p xe l\u01b0u th\u00f4ng kh\u00f4ng \u0111\u00fang lu\u1eadt l\u1ec7 giao th\u00f4ng (\u0111i v\u00e0o \u0111\u01b0\u1eddng c\u1ea5m, \u0111\u01b0\u1eddng ng\u01b0\u1ee3c chi\u1ec1u, v\u01b0\u1ee3t \u0111\u00e8n \u0111\u1ecf, kh\u00f4ng c\u00f3 \u0111\u00e8n chi\u1ebfu s\u00e1ng theo quy \u0111\u1ecbnh\u2026).<\/li>\n\n\n\n<li>Xe ch\u1edf v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ch\u1ed7 ng\u1ed3i theo quy \u0111\u1ecbnh.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Lo\u1ea1i tr\u1eeb cho m\u1ecdi lo\u1ea1i b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Xe c\u00f3 th\u1eddi h\u1ea1n s\u1eed d\u1ee5ng qu\u00e1 s\u1ed1 n\u0103m quy \u0111\u1ecbnh c\u1ee7a t\u1eebng c\u00f4ng ty b\u1ea3o hi\u1ec3m (Th\u00f4ng th\u01b0\u1eddng, xe c\u00f3 th\u1eddi h\u1ea1n s\u1eed d\u1ee5ng qu\u00e1 7-10 n\u0103m s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t).<\/li>\n\n\n\n<li>L\u00e1i xe c\u1ed1 \u00fd g\u00e2y tai n\u1ea1n, c\u1ed1 \u00fd l\u1eeba \u0111\u1ea3o \u0111\u1ec3 b\u1ecb m\u1ea5t xe, xe \u0111ang trong c\u00e1c v\u1ee5 tranh ch\u1ea5p d\u00e2n s\u1ef1.<\/li>\n\n\n\n<li>Kh\u00f4ng b\u1ed3i th\u01b0\u1eddng cho c\u00e1c d\u1ea1ng t\u1ed5n th\u1ea5t: Vi\u1ec7c s\u1eed d\u1ee5ng v\u00e0 khai th\u00e1c xe b\u1ecb thi\u1ec7t h\u1ea1i, xe b\u1ecb hao m\u00f2n t\u1ef1 nhi\u00ean, xe b\u1ecb h\u01b0 h\u1ecfng v\u1ec1 c\u01a1 ho\u1eb7c \u0111i\u1ec7n, xe b\u1ecb gi\u1ea3m gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i.<\/li>\n\n\n\n<li>T\u1ed5n th\u1ea5t xe do ch\u00ednh quy\u1ec1n ho\u1eb7c c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n tr\u01b0ng d\u1ee5ng, t\u1ecbch thu.<\/li>\n\n\n\n<li>T\u1ed5n th\u1ea5t xe do kh\u1ee7ng b\u1ed1, chi\u1ebfn tranh, b\u1ea1o \u0111\u1ed9ng, \u0111\u00ecnh c\u00f4ng<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IV_Ket\"><\/span>IV. K\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tuy l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c nh\u01b0ng b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n c\u0169ng s\u1ebd \u0111em l\u1ea1i r\u1ea5t nhi\u1ec1u c\u00f4ng d\u1ee5ng h\u1eefu \u00edch, \u0111\u1eb7c bi\u1ec7t d\u00e0nh cho ch\u1ee7 xe ho\u1eb7c ng\u01b0\u1eddi l\u00e1i xe. <\/p>\n\n\n\n<p>D\u00f9 v\u1eady, c\u1ea7n ph\u1ea3i l\u01b0u \u00fd th\u00eam m\u1ed9t l\u1ea7n n\u1eefa r\u1eb1ng c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00f4ng th\u1ec3 thay th\u1ebf cho\u00a0<strong><a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-dan-su-bat-buoc-xe-may\/\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong>. B\u1ea1n v\u1eabn s\u1ebd b\u1ecb coi l\u00e0 vi ph\u1ea1m v\u00e0 b\u1ecb x\u1eed ph\u1ea1t n\u1ebfu kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f4ng mang theo gi\u1ea5y ch\u1ee9ng nh\u1eadn\u00a0b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y\u00a0c\u00f2n hi\u1ec7u l\u1ef1c khi tham gia giao th\u00f4ng. M\u1ee9c ph\u1ea1t ti\u1ec1n cho vi ph\u1ea1m n\u00e0y l\u00e0 t\u1eeb 100.000 VN\u0110 \u0111\u1ebfn 200.000 VN\u0110 (<em>theo quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 2, \u0110i\u1ec1u 21,\u00a0<\/em><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\"><em>Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP<\/em><\/a><em>\u00a0v\u00e0 Kho\u1ea3n 11, \u0110i\u1ec1u 16,\u00a0<a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Vi-pham-hanh-chinh\/Nghi-dinh-123-2021-ND-CP-sua-doi-Nghi-dinh-xu-phat-vi-pham-hanh-chinh-linh-vuc-hang-hai-477975.aspx\" target=\"_blank\" rel=\"noopener nofollow\">Ngh\u1ecb \u0111\u1ecbnh 123\/2021\/N\u0110-CP<\/a><\/em>).\u00a0V\u00ec\u00a0v\u1eady, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u00e3 mua\u00a0<strong>b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong>\u00a0cho chi\u1ebfc xe th\u00e2n y\u00eau c\u1ee7a m\u00ecnh 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 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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","protected":false},"excerpt":{"rendered":"<p>Ngo\u00e0i b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1eaft bu\u1ed9c, b\u1ea1n c\u00f3 th\u1ec3 c\u0169ng quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 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10\/10\/2022","modified":"Updated on 09\/11\/2022"},"absolute_dates_time":{"created":"Posted on 10\/10\/2022 4:44 AM","modified":"Updated on 09\/11\/2022 5:34 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