{"id":4230,"date":"2022-10-10T04:00:05","date_gmt":"2022-10-09T21:00:05","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4230"},"modified":"2024-03-21T15:09:25","modified_gmt":"2024-03-21T08:09:25","slug":"mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi\/","title":{"rendered":"Mua 2 b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y c\u00f3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng g\u1ea5p \u0111\u00f4i?"},"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\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi\/#1_Bao_hiem_xe_may_co_may_loai_Muc_dich_cua_moi_loai_la_gi\" >1. B\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 m\u1ea5y lo\u1ea1i? M\u1ee5c \u0111\u00edch c\u1ee7a m\u1ed7i lo\u1ea1i 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\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi\/#2_Mua_bao_hiem_trung_la_nhu_the_nao\" >2. Mua b\u1ea3o hi\u1ec3m tr\u00f9ng l\u00e0 nh\u01b0 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-xe-may\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi\/#3_Mua_2_bao_hiem_xe_may_cho_cung_mot_xe_duoc_boi_thuong_the_nao\" >3. Mua 2 b\u1ea3o hi\u1ec3m xe m\u00e1y cho c\u00f9ng m\u1ed9t xe \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng 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-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi\/#4_Kinh_nghiem_mua_bao_hiem_xe_may\" >4. Kinh nghi\u1ec7m mua b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Mua 2 b\u1ea3o hi\u1ec3m xe m\u00e1y cho c\u00f9ng m\u1ed9t chi\u1ebfc xe l\u00e0 t\u00ecnh tr\u1ea1ng d\u1ec5 x\u1ea3y ra do v\u00f4 t\u00ecnh, n\u1ebfu chi\u1ebfc xe l\u00e0 xe c\u00f4ng ho\u1eb7c khi c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi d\u00f9ng chung m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n. Nhi\u1ec1u ng\u01b0\u1eddi th\u1eafc m\u1eafc r\u1eb1ng quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c lo\u1ea1i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-xe-may\" title=\"\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a> c\u00f3 c\u00f2n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o, ho\u1eb7c h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng g\u1ea5p \u0111\u00f4i n\u1ebfu s\u1edf h\u1eefu 2 b\u1ea3o hi\u1ec3m cho c\u00f9ng m\u1ed9t xe? H\u00e3y c\u00f9ng gi\u1ea3i \u0111\u00e1p trong b\u00e0i vi\u1ebft n\u00e0y.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/10\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi-1024x576.jpg\" alt=\"\" class=\"wp-image-4259\" style=\"width:670px;height:377px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024602\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi-1024x576.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024602\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi-300x169.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024602\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi-768x432.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024602\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi-1536x864.jpg 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024602\/mua-2-bao-hiem-xe-may-cho-cung-mot-xe-co-duoc-boi-thuong-gap-doi.jpg 1778w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_xe_may_co_may_loai_Muc_dich_cua_moi_loai_la_gi\"><\/span><strong>1. <a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" title=\"\">B\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 m\u1ea5y lo\u1ea1i<\/a>? M\u1ee5c \u0111\u00edch c\u1ee7a m\u1ed7i lo\u1ea1i l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hi\u1ec7n nay, c\u00f3 hai lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y ch\u00ednh, trong \u0111\u00f3 c\u00f3 <strong><a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" title=\"\">b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a xe m\u00e1y<\/a><\/strong> b\u1eaft bu\u1ed9c ph\u1ea3i mua, n\u1ebfu kh\u00f4ng c\u00f3 s\u1ebd b\u1ecb CSGT ph\u1ea1t. C\u00f2n l\u1ea1i l\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, tu\u1ef3 theo nhu c\u1ea7u m\u1ed7i ng\u01b0\u1eddi, c\u00f3 th\u1ec3 l\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe ho\u1eb7c b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe.<\/p>\n\n\n\n<p>C\u1ee5 th\u1ec3 m\u1ee5c \u0111\u00edch c\u1ee7a m\u1ed7i lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u00f3 l\u00e0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y: <\/strong>B\u1ea1n c\u1ea7n mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u1ec3 \u0111\u01b0\u1ee3c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ec1n b\u00f9 thay cho thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba, n\u1ebfu x\u1ea3y ra tai n\u1ea1n do l\u1ed7i c\u1ee7a b\u1ea1n. Ch\u00ednh v\u00ec m\u1ee5c \u0111\u00edch n\u00e0y, vi\u1ec7c <a href=\"https:\/\/www.saladin.vn\/bao-hiem-xe-may\" title=\"\">mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a xe m\u00e1y<\/a> kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn nhu c\u1ea7u c\u1ee7a b\u1ea1n, m\u00e0 c\u00f2n l\u00e0 ngh\u0129a v\u1ee5, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi m\u00e0 b\u1ea1n g\u00e2y ra tai n\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3, ngay c\u1ea3 khi b\u1ea1n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng b\u1ed3i th\u01b0\u1eddng.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n: <\/strong>V\u1edbi t\u00ednh ch\u1ea5t t\u1ef1 nguy\u1ec7n, m\u1ee5c \u0111\u00edch c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y ho\u00e0n to\u00e0n g\u1eafn v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi mua. Nh\u1eefng ng\u01b0\u1eddi mua th\u00eam c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n th\u01b0\u1eddng  mu\u1ed1n m\u1edf r\u1ed9ng quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c h\u01b0\u1edfng trong &nbsp;tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro, t\u1ed5n th\u1ea5t x\u1ea3y ra v\u1edbi ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe ho\u1eb7c v\u1edbi ch\u00ednh chi\u1ebfc xe.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Mua_bao_hiem_trung_la_nhu_the_nao\"><\/span><strong>2. Mua b\u1ea3o hi\u1ec3m tr\u00f9ng l\u00e0 nh\u01b0 th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh kh\u00f4ng c\u1ea5m mua b\u1ea3o hi\u1ec3m tr\u00f9ng. Tuy nhi\u00ean, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00f9ng ch\u1ec9 c\u00f3 ph\u1ea1m vi \u00e1p d\u1ee5ng v\u1edbi c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng l\u00e0 t\u00e0i s\u1ea3n v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ch\u1ee7 th\u1ec3 l\u00e0 con ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00f9ng l\u00e0 tr\u01b0\u1eddng h\u1ee3p b\u00ean mua b\u1ea3o hi\u1ec3m giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi 2 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m tr\u1edf l\u00ean \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, v\u1edbi c\u00f9ng \u0111i\u1ec1u ki\u1ec7n v\u00e0 s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>C\u1ee5 th\u1ec3, b\u1ea1n x\u00e1c \u0111\u1ecbnh m\u00ecnh \u0111\u00e3 mua b\u1ea3o hi\u1ec3m tr\u00f9ng cho xe m\u00e1y khi:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Xe c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1eb1ng \u00edt nh\u1ea5t 2 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m do m\u1ed9t ho\u1eb7c nhi\u1ec1u b\u00ean cung c\u1ea5p b\u1ea3o hi\u1ec3m kh\u00e1c nhau.<\/li>\n\n\n\n<li>R\u1ee7i ro g\u00e2y n\u00ean t\u1ed5n th\u1ea5t \u0111\u1ec1u thu\u1ed9c r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f3<\/li>\n\n\n\n<li>C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho xe m\u00e1y c\u1ee7a b\u1ea1n c\u00f2n hi\u1ec7u l\u1ef1c \u1edf th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Mua_2_bao_hiem_xe_may_cho_cung_mot_xe_duoc_boi_thuong_the_nao\"><\/span><strong>3. Mua 2 b\u1ea3o hi\u1ec3m xe m\u00e1y cho c\u00f9ng m\u1ed9t xe \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">3.1. <strong>\u0110\u1ed1i v\u1edbi <a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" title=\"\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong><\/h3>\n\n\n\n<p>N\u1ebfu b\u1ea1n mua b\u1ea3o hi\u1ec3m tr\u00f9ng th\u00ec doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e0o ph\u00e1t sinh hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc s\u1ebd chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng cho b\u1ea1n. Doanh nghi\u1ec7p b\u00e1n b\u1ea3o hi\u1ec3m sau kh\u00f4ng ph\u1ea3i th\u1ef1c hi\u1ec7n b\u1ed3i th\u01b0\u1eddng, tuy nhi\u00ean s\u1ebd ph\u1ea3i ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m cho b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.2. <strong>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t t\u1ef1 nguy\u1ec7n cho xe m\u00e1y<\/strong><\/h3>\n\n\n\n<p>\u1ed7i doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ch\u1ec9 ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng theo t\u1ef7 l\u1ec7: S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng m\u00e0 b\u1ea1n \u0111\u00e3 giao k\u1ebft. T\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u00e1 tr\u1ecb thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf c\u1ee7a t\u00e0i s\u1ea3n.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>V\u00ed d\u1ee5: <em>B\u1ea1n c\u00f3 m\u1ed9t chi\u1ebfc xe tr\u1ecb gi\u00e1 80 tri\u1ec7u \u0111\u1ed3ng v\u00e0 b\u1ea1n \u0111\u00e3 mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe t\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m A v\u1edbi gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m 80 tri\u1ec7u \u0111\u1ed3ng. Tuy nhi\u00ean, v\u1ee3 b\u1ea1n kh\u00f4ng bi\u1ebft n\u00ean l\u1ea1i mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t cho xe t\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m B, v\u1edbi gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng.<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>Gi\u1ea3 s\u1eed hai c\u00f4ng ty b\u1ea3o hi\u1ec3m A, B c\u00f3 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m nh\u01b0 nhau, th\u00ec tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u00e3 ph\u00e1t sinh b\u1ea3o hi\u1ec3m tr\u00f9ng v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho xe m\u00e1y c\u1ee7a b\u1ea1n l\u00e0 130 tri\u1ec7u \u0111\u1ed3ng, trong \u0111\u00f3 b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty A chi\u1ebfm 62%, b\u1ea3o hi\u1ec3m c\u00f4ng ty B chi\u1ebfm 38%.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>Khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1 tr\u1ecb thi\u1ec7t h\u1ea1i c\u1ee7a chi\u1ebfc xe \u0111\u01b0\u1ee3c th\u1ea9m \u0111\u1ecbnh l\u00e0 60 tri\u1ec7u \u0111\u1ed3ng, hai c\u00f4ng ty b\u1ea3o hi\u1ec3m A, B c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho b\u1ea1n t\u1ed5ng s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a 60 tri\u1ec7u \u0111\u1ed3ng. S\u1ed1 ti\u1ec1n m\u1ed7i c\u00f4ng ty ph\u1ea3i b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ef7 l\u1ec7 gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m \u0111\u00e3 k\u00fd tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tr\u00f9ng.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p tr\u00ean:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00f4ng ty A ph\u1ea3i b\u1ed3i th\u01b0\u1eddng: 60.000.000 x 62% = 37.200.000 tri\u1ec7u \u0111\u1ed3ng<\/li>\n\n\n\n<li>C\u00f4ng ty B ph\u1ea3i b\u1ed3i th\u01b0\u1eddng: 60.000.000 x 38% = 22.800.000 tri\u1ec7u \u0111\u1ed3ng<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Kinh_nghiem_mua_bao_hiem_xe_may\"><\/span>4. Kinh nghi\u1ec7m mua b\u1ea3o hi\u1ec3m xe m\u00e1y<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">4.1. <strong>Mua <a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" title=\"\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ph\u00ed b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a xe  \u0111\u00e3 \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft l\u00e0 t\u1eeb 55.000 &#8211; 60.000 \u0111\u1ed3ng\/ n\u0103m b\u1ea3o hi\u1ec3m (ch\u01b0a t\u00ednh 10% VAT) v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c chi\u1ebft kh\u1ea5u cho ng\u01b0\u1eddi mua . N\u1ebfu g\u1eb7p ch\u1ed7 b\u00e1n c\u00f3 m\u1ee9c gi\u00e1 r\u1ebb h\u01a1n, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc kh\u00f4ng mua v\u00ec c\u00f3 th\u1ec3 \u0111\u00f3 l\u00e0 m\u1ed9t d\u1ea1ng l\u1eeba \u0111\u1ea3o.<\/li>\n\n\n\n<li>Hi\u1ec7n nay, b\u1ea3o hi\u1ec3m TNDS \u0111i\u1ec7n t\u1eed \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p s\u1eed d\u1ee5ng, do \u0111\u00f3 mua <strong>b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong> qua n\u1ec1n t\u1ea3ng online Saladin l\u00e0 m\u1ed9t c\u00e1ch mua ti\u1ec7n l\u1ee3i, d\u1ec5 d\u00e0ng, \u0111\u1ed3ng th\u1eddi gi\u00fap b\u1ea1n tr\u00e1nh nh\u1eefng r\u1ee7i ro nh\u01b0 m\u1ea5t, r\u00e1ch ho\u1eb7c qu\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4.2. M<strong>ua b\u1ea3o hi\u1ec3m xe m\u00e1y t\u1ef1 nguy\u1ec7n<\/strong><\/h3>\n\n\n\n<p>B\u1ea1n c\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec1u sau:<\/p>\n\n\n\n<p><strong>T\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 quy t\u1eafc b\u1ea3o hi\u1ec3m<\/strong><\/p>\n\n\n\n<p>B\u1ea1n c\u1ea7n \u0111\u1ecdc k\u1ef9 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u01b0: th\u1eddi h\u1ea1n, m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng c\u1ee7a xe, t\u00ecnh tr\u1ea1ng c\u1ee7a l\u00e1i xe khi g\u00e2y tai n\u1ea1n\u2026 \u0111\u1ec3 tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n mua b\u1ea3o hi\u1ec3m m\u00e0 l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i \u0111\u1ec1n b\u00f9 thi\u1ec7t h\u1ea1i.&nbsp;<\/p>\n\n\n\n<p><strong>L\u1ef1a ch\u1ecdn c\u00e1c m\u1ee9c kh\u1ea5u tr\u1eeb ph\u00f9 h\u1ee3p<\/strong><\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn m\u1ee9c kh\u1ea5u tr\u1eeb \u0111\u1ec3 chia s\u1ebb r\u1ee7i ro v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m khi c\u00f3 t\u1ed5n th\u1ea5t x\u1ea3y ra. Xe c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng v\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u1ed5n th\u1ea5t ph\u1ea3i cao h\u01a1n m\u1ee9c kh\u1ea5u tr\u1eeb \u0111\u00e3 k\u00fd v\u1edbi c\u00f4ng ty.<\/p>\n\n\n\n<p><strong>H\u1ecfi k\u1ef9 v\u1ec1 c\u00e1c gara xe li\u00ean k\u1ebft v\u1edbi \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m<\/strong><\/p>\n\n\n\n<p>B\u1ea1n n\u00ean l\u1ef1a ch\u1ecdn nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 li\u00ean k\u1ebft v\u1edbi nh\u1eefng gara uy t\u00edn. \u0110i\u1ec1u n\u00e0y gi\u00fap thu\u1eadn ti\u1ec7n cho vi\u1ec7c s\u1eeda ch\u1eefa xe n\u1ebfu c\u00f3 tai n\u1ea1n g\u00e2y t\u1ed5n th\u1ea5t \u0111\u1ebfn chi\u1ebfc xe c\u1ee7a b\u1ea1n.&nbsp;<\/p>\n\n\n\n<p><em>Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 c\u00e1ch gi\u1ea3i quy\u1ebft khi mua b\u1ea3o hi\u1ec3m tr\u00f9ng, c\u0169ng nh\u01b0 c\u00e1ch t\u1ed1i \u01b0u quy\u1ec1n l\u1ee3i khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y. \u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ecdn \u0111\u00fang s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, \u0111\u1eebng qu\u00ean tham kh\u1ea3o v\u00e0 so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tr\u00ean <a href=\"https:\/\/www.saladin.vn\/\" title=\"\"><strong>Saladin <\/strong>&#8211; n\u1ec1n t\u1ea3ng k\u1ebft n\u1ed1i ng\u01b0\u1eddi mua v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam <\/a>nh\u00e9.<\/em><\/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>Mua 2 b\u1ea3o hi\u1ec3m xe m\u00e1y cho c\u00f9ng m\u1ed9t chi\u1ebfc xe l\u00e0 t\u00ecnh tr\u1ea1ng d\u1ec5 x\u1ea3y ra do v\u00f4 t\u00ecnh, n\u1ebfu chi\u1ebfc xe l\u00e0 xe c\u00f4ng ho\u1eb7c khi c\u00f3 nhi\u1ec1u [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4257,"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":[49,50],"class_list":["post-4230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-xe-may","tag-bao-hiem-dan-su-bat-buoc-xe-may","tag-bao-hiem-xe-may-co-may-loai"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06024337\/89.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\/06024337\/89-300x151.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\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 m\u1ea5y lo\u1ea1i<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 m\u1ea5y lo\u1ea1i<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 4 years ago","modified":"Updated 2 years ago"},"absolute_dates":{"created":"Posted on 10\/10\/2022","modified":"Updated on 21\/03\/2024"},"absolute_dates_time":{"created":"Posted on 10\/10\/2022 4:00 AM","modified":"Updated on 21\/03\/2024 3:09 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4230","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=4230"}],"version-history":[{"count":8,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4230\/revisions"}],"predecessor-version":[{"id":20755,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/4230\/revisions\/20755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/4257"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=4230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=4230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=4230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}