{"id":4293,"date":"2022-10-18T10:08:15","date_gmt":"2022-10-18T03:08:15","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4293"},"modified":"2022-11-09T17:34:41","modified_gmt":"2022-11-09T10:34:41","slug":"muc-phi-va-thoi-han-bao-hiem-tnds-xe-may","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/","title":{"rendered":"Th\u1eddi h\u1ea1n v\u00e0 gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y l\u00e0 bao nhi\u00eau?"},"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\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/#I_Gia_bao_hiem_bat_buoc_xe_may_la_bao_nhieu\" >I. Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y 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-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/#II_Quy_dinh_ve_muc_trach_nhiem_bao_hiem_bat_buoc_xe_may_la_gi\" >II. Quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y 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\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/#III_Thoi_han_bao_hiem_bat_buoc_xe_may_duoc_tinh_the_nao\" >III. Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y \u0111\u01b0\u1ee3c 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-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-xe-may\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/#IV_Su_dung_bao_hiem_xe_may_het_han_bi_phat_bao_nhieu\" >IV. S\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m xe m\u00e1y h\u1ebft h\u1ea1n b\u1ecb ph\u1ea1t bao nhi\u00eau?<\/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\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may\/#V_Luu_y_khi_mua_bao_hiem_bat_buoc_xe_may\" >V. L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>\u0110\u1ec3 tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p b\u1ecb ph\u1ea1t khi tham gia giao th\u00f4ng, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m v\u00e0 <a href=\"https:\/\/news.saladin.vn\/category\/bao-hiem-xe-may\/\" title=\"\">gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/a>. C\u00f9ng Saladin t\u00ecm hi\u1ec3u 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\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may-1024x575.jpg\" alt=\"\" class=\"wp-image-4295\" width=\"823\" height=\"462\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06041637\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may-1024x575.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06041637\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may-300x168.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06041637\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may-768x431.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06041637\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may-1536x862.jpg 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06041637\/muc-phi-va-thoi-han-bao-hiem-tnds-xe-may.jpg 1782w\" sizes=\"auto, (max-width: 823px) 100vw, 823px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Gia_bao_hiem_bat_buoc_xe_may_la_bao_nhieu\"><\/span><strong>I. <a href=\"https:\/\/news.saladin.vn\/tag\/bao-hiem-dan-su-bat-buoc-xe-may\/\" title=\"\">Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/a> l\u00e0 bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y l\u00e0 m\u1ee9c ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c ni\u00eam y\u1ebft theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n\n\n\n<p><strong><em>Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y trong th\u1eddi h\u1ea1n 1 n\u0103m \u0111\u01b0\u1ee3c t\u00ednh theo b\u1ea3ng sau:<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Lo\u1ea1i xe<\/strong><\/td><td><strong>Dung t\u00edch<\/strong><\/td><td><strong>Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y (\u0111\u00e3 bao g\u1ed3m VAT)<\/strong><\/td><\/tr><tr><td>Xe m\u00e1y<\/td><td>D\u01b0\u1edbi 50cc<\/td><td>60.500 \u0111\u1ed3ng\/ n\u0103m<\/td><\/tr><tr><td>Xe m\u00e1y, m\u00f4 t\u00f4<\/td><td>Tr\u00ean 50cc<\/td><td>66.000 \u0111\u1ed3ng\/ n\u0103m<\/td><\/tr><tr><td>Xe m\u00e1y \u0111i\u1ec7n<\/td><td><\/td><td>60.500 \u0111\u1ed3ng\/n\u0103m<\/td><\/tr><tr><td>Xe ph\u00e2n kh\u1ed1i l\u1edbn<\/td><td>Tr\u00ean 175cc<\/td><td>319.000 \u0111\u1ed3ng\/ n\u0103m<\/td><\/tr><tr><td>M\u00f4 t\u00f4 3 b\u00e1nh, c\u00e1c xe c\u01a1 gi\u1edbi kh\u00e1c<\/td><td><\/td><td>319.000 \u0111\u1ed3ng\/ n\u0103m<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i xe \u0111\u01b0\u1ee3c ph\u00e9p mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c c\u00f3 th\u1eddi h\u1ea1n d\u01b0\u1edbi 01 n\u0103m, <strong>gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong> s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh theo c\u00f4ng th\u1ee9c sau:<\/p>\n\n\n\n<p><em><strong>Ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n n\u1ed9p \u0111\u01b0\u1ee3c t\u00ednh = (Ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m theo lo\u1ea1i xe c\u01a1 gi\u1edbi : 365 ng\u00e0y) x Th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (ng\u00e0y)<\/strong><\/em><\/p>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1eeb 30 ng\u00e0y tr\u1edf xu\u1ed1ng, c\u00f4ng th\u1ee9c t\u00ednh gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y nh\u01b0 sau:<\/p>\n\n\n\n<p><em><strong>Ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n n\u1ed9p \u0111\u01b0\u1ee3c t\u00ednh = Ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m theo lo\u1ea1i xe c\u01a1 gi\u1edbi : 12 (th\u00e1ng)<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Quy_dinh_ve_muc_trach_nhiem_bao_hiem_bat_buoc_xe_may_la_gi\"><\/span><strong>II. Quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m l\u00e0 s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u1eb1m trong ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi do xe m\u00f4 t\u00f4 hai, ba b\u00e1nh, xe g\u1eafn m\u00e1y v\u00e0 c\u00e1c lo\u1ea1i xe c\u00f3 k\u1ebft c\u1ea5u t\u01b0\u01a1ng t\u1ef1 g\u00e2y ra: 100.000.000 \u0111\u1ed3ng\/ 01 ng\u01b0\u1eddi\/ 01 v\u1ee5 tai n\u1ea1n.<\/li>\n\n\n\n<li>Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n do xe m\u00f4 t\u00f4 hai, ba b\u00e1nh, xe g\u1eafn m\u00e1y v\u00e0 c\u00e1c lo\u1ea1i xe c\u00f3 k\u1ebft c\u1ea5u t\u01b0\u01a1ng t\u1ef1 g\u00e2y ra: 50.000.000 \u0111\u1ed3ng\/ 01 v\u1ee5 tai n\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<p>Tuy nhi\u00ean, m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m th\u1ec3 hi\u1ec7n c\u00e1c tr\u01b0\u1eddng h\u1ee3p mang t\u00ednh nghi\u00eam tr\u1ecdng nh\u1ea5t. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng th\u1ef1c t\u1ebf m\u00e0 b\u1ea3o hi\u1ec3m chi tr\u1ea3 \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i trong 01 v\u1ee5 tai n\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo m\u1ee9c thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf v\u00e0 m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, nh\u01b0ng \u0111\u1ea3m b\u1ea3o kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>C\u00f4ng th\u1ee9c t\u00ednh nh\u01b0 sau:<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\"><em>M\u1ee9c ti\u1ec1n b\u1ed3i th\u01b0\u1eddng = T\u1ef7 l\u1ec7 th\u01b0\u01a1ng t\u1eadt x M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m<\/em><\/span><\/strong><\/p>\n\n\n\n<p><em>V\u00ed d\u1ee5: T\u1ef7 l\u1ec7 th\u01b0\u01a1ng t\u1eadt l\u00e0 18%, th\u00ec b\u1ed3i th\u01b0\u1eddng: 18% x 150 tri\u1ec7u \u0111\u1ed3ng = 27 tri\u1ec7u \u0111\u1ed3ng<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Thoi_han_bao_hiem_bat_buoc_xe_may_duoc_tinh_the_nao\"><\/span><strong>III. Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y \u0111\u01b0\u1ee3c t\u00ednh th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y \u0111\u01b0\u1ee3c ghi r\u00f5 tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n l\u01b0u \u00fd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Th\u1eddi h\u1ea1n t\u1eeb 1 &#8211; 3 n\u0103m:<\/strong> \u0110\u1ed1i v\u1edbi xe m\u00f4 t\u00f4 hai b\u00e1nh, 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 c\u0103n c\u1ee9 theo quy \u0111\u1ecbnh Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9.<\/li>\n\n\n\n<li><strong>Th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u 1 n\u0103m<\/strong>, th\u1eddi h\u1ea1n t\u1ed1i \u0111a t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ki\u1ec3m \u0111\u1ecbnh an to\u00e0n k\u1ef9 thu\u1eadt v\u00e0 b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng \u0111\u1ecbnh k\u1ef3: \u0110\u1ed1i v\u1edbi c\u00e1c xe c\u01a1 gi\u1edbi c\u00f2n l\u1ea1i.<\/li>\n\n\n\n<li><strong>Th\u1eddi h\u1ea1n d\u01b0\u1edbi 1 n\u0103m<\/strong>, \u0111\u1ed1i v\u1edbi:\n<ul class=\"wp-block-list\">\n<li>Xe c\u01a1 gi\u1edbi n\u01b0\u1edbc ngo\u00e0i t\u1ea1m nh\u1eadp, t\u00e1i xu\u1ea5t c\u00f3 th\u1eddi h\u1ea1n tham gia giao th\u00f4ng tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam d\u01b0\u1edbi 1 n\u0103m;<\/li>\n\n\n\n<li>Ni\u00ean h\u1ea1n s\u1eed d\u1ee5ng c\u1ee7a xe c\u01a1 gi\u1edbi nh\u1ecf h\u01a1n 1 n\u0103m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt;<\/li>\n\n\n\n<li>Xe c\u01a1 gi\u1edbi thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u0103ng k\u00fd t\u1ea1m th\u1eddi theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 C\u00f4ng an.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IV_Su_dung_bao_hiem_xe_may_het_han_bi_phat_bao_nhieu\"><\/span><strong>IV. S\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m xe m\u00e1y h\u1ebft h\u1ea1n b\u1ecb ph\u1ea1t bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe m\u00f4 t\u00f4, xe g\u1eafn m\u00e1y v\u00e0 c\u00e1c lo\u1ea1i xe t\u01b0\u01a1ng t\u1ef1 <strong><em>kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f4ng mang theo<\/em><\/strong> Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (d\u00f9 c\u00f2n hi\u1ec7u l\u1ef1c) s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb 100.000 &#8211; 200.000 \u0111\u1ed3ng.<\/p>\n\n\n\n<p>Theo \u0111\u00f3, ng\u01b0\u1eddi tham gia giao th\u00f4ng <strong><em>n\u1ebfu s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y h\u1ebft h\u1ea1n <\/em><\/strong>c\u0169ng n\u1eb1m trong ph\u1ea1m v\u1ecb b\u1ecb ph\u1ea1t <strong><em>100.000 &#8211; 200.000 \u0111\u1ed3ng.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"V_Luu_y_khi_mua_bao_hiem_bat_buoc_xe_may\"><\/span><strong>V. L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Ch\u00fa \u00fd th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n s\u1ebd ph\u1ea3i mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y m\u1edbi m\u1ed7i n\u0103m. Do \u0111\u00f3, c\u1ea7n ch\u00fa \u00fd \u0111\u1ebfn th\u1eddi gian h\u1ebft h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m \u0111\u1ec3 tr\u00e1nh t\u00ecnh tr\u1ea1ng b\u1ecb ki\u1ec3m tra gi\u1ea5y t\u1edd khi ch\u01b0a c\u00f3 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Ch\u1ecdn n\u01a1i mua b\u1ea3o hi\u1ec3m uy t\u00edn<\/strong><\/h3>\n\n\n\n<p>N\u00ean ch\u1ecdn mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u1ef1c ti\u1ebfp t\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111i\u1ec3m b\u00e1n l\u1ebb \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n nh\u01b0 c\u00e2y x\u0103ng, b\u01b0u \u0111i\u1ec7n,\u2026&nbsp; ho\u1eb7c<a href=\"https:\/\/news.saladin.vn\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" title=\"\"> n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 <\/a>nh\u01b0 Saladin \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c nh\u1eadn quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a Ph\u00e1p lu\u1eadt. Hi\u1ec7n nay, h\u00ecnh th\u1ee9c mua b\u1ea3o hi\u1ec3m xe m\u00e1y \u0111i\u1ec7n t\u1eed tr\u00ean Saladin \u0111ang l\u00e0 xu h\u01b0\u1edbng \u0111\u01b0\u1ee3c \u01b0a d\u00f9ng v\u00ec t\u00ednh ti\u1ec7n l\u1ee3i, \u0111\u0103ng k\u00fd nhanh ch\u00f3ng v\u00e0 d\u1ec5 qu\u1ea3n l\u00fd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. <a href=\"https:\/\/news.saladin.vn\/tag\/gia-bao-hiem-trach-nhiem-dan-su-xe-may\/\" title=\"\">Gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/a> kh\u00f4ng \u0111\u01b0\u1ee3c khuy\u1ebfn m\u1ea1i d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c<\/strong><\/h3>\n\n\n\n<p>Do \u0111\u00f3, c\u1ea9n th\u1eadn v\u1edbi c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m xe m\u00e1y g\u1eafn m\u00e1c \u201csi\u00eau r\u1ebb\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. V\u1ec1 Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong><\/h3>\n\n\n\n<p>G\u1ed3m 02 li\u00ean:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 li\u00ean m\u00e0u v\u00e0ng giao cho ng\u01b0\u1eddi mua;<\/li>\n\n\n\n<li>1 li\u00ean m\u00e0u tr\u1eafng \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1eef l\u1ea1i.<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb khi 02 li\u00ean ph\u1ea3i c\u00f3 th\u00f4ng tin tr\u00f9ng kh\u1edbp nhau.<\/li>\n<\/ul>\n\n\n\n<p>Tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ec9nh s\u1eeda, g\u1ea1ch x\u00f3a c\u00e1c th\u00f4ng tin ghi tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>Nh\u00ecn chung, vi\u1ec7c mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y r\u1ea5t d\u1ec5 d\u00e0ng v\u1edbi m\u1ee9c gi\u00e1 c\u1ef1c r\u1ebb &#8211; v\u00ec v\u1eady thay v\u00ec ch\u1ea5p nh\u1eadn r\u1ee7i ro, b\u1ea1n n\u00ean s\u1edf h\u1eefu cho m\u00ecnh m\u1ed9t t\u1ea5m \u201cl\u00e1 ch\u1eafn\u201d b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c <strong>gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y<\/strong> h\u1ee3p l\u00fd \u0111\u1ec3 y\u00ean t\u00e2m h\u01a1n tr\u00ean nh\u1eefng chuy\u1ebfn \u0111i.<\/p>\n\n\n\n<p>Xem th\u00eam:<\/p>\n\n\n\n<p><a href=\"https:\/\/news.saladin.vn\/bao-hiem-xe-may\/phai-lam-gi-khi-mat-giay-chung-nhan-bh-tnds-xe-may-bat-buoc\/\">Ph\u1ea3i l\u00e0m g\u00ec khi m\u1ea5t gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c xe m\u00e1y?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/news.saladin.vn\/bao-hiem-xe-may\/trach-nhiem-cua-bao-hiem-xe-may-quy-trinh-doi-boi-thuong-bao-hiem-tnds-xe-may-khi-gap-tai-nan\/\">Tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m xe m\u00e1y: Quy tr\u00ecnh \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y khi g\u1eb7p tai n\u1ea1n<\/a><\/p>\n\n\n\n<p><\/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>\u0110\u1ec3 tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p b\u1ecb ph\u1ea1t khi tham gia giao th\u00f4ng, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5 quy \u0111\u1ecbnh v\u1ec1 th\u1eddi h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4303,"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":[49,120,68],"class_list":["post-4293","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-gia-bao-hiem-bat-buoc-xe-may","tag-trach-nhiem-cua-bao-hiem-xe-may"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06050317\/99.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\/06050317\/99-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a 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