{"id":10405,"date":"2018-07-27T20:49:05","date_gmt":"2018-07-27T13:49:05","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=10405"},"modified":"2022-11-14T16:42:27","modified_gmt":"2022-11-14T09:42:27","slug":"tinh-huong-duoc-chi-tra-bao-hiem-xe-may-bat-buoc","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/tinh-huong-duoc-chi-tra-bao-hiem-xe-may-bat-buoc\/","title":{"rendered":"T\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c"},"content":{"rendered":"\n

T\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c. Nh\u01b0ng b\u1ea1n c\u00f3 bi\u1ebft mua b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c khi tham gia giao th\u00f4ng \u0111em l\u1ea1i nhi\u1ec1u quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

\u2013 B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7 cho tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe khi g\u00e2y ra tai n\u1ea1n cho b\u00ean b\u1ecb g\u00e2y thi\u1ec7t h\u1ea1i.<\/p>\n

Ph\u00ed mua b\u1ea3o hi\u1ec3m:<\/strong> 66.000 \u0111\u1ed3ng cho xe m\u00e1y tr\u00ean 50 ph\u00e2n kh\u1ed1i
\nM\u1ee9c tr\u00e1ch nhi\u1ec7m:<\/strong>
\n+ M\u1ee9c tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00e0i s\u1ea3n: 50.000.000 \u0111\/v\u1ee5
\n+ M\u1ee9c tr\u00e1ch nghi\u1ec7m v\u1ec1 ng\u01b0\u1eddi: 100.000.000 \u0111\/ng\u01b0\u1eddi\/v\u1ee5
\nKhi tham gia giao th\u00f4ng, b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i nh\u1eefng tai n\u1ea1n \u0111\u00e2m, va,.. g\u00e2y thi\u1ec7t h\u1ea1i nghi\u00eam tr\u1ecdng v\u1ec1 c\u1ee7a c\u1ea3i v\u1eadt ch\u1ea5t c\u0169ng nh\u01b0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe v\u00ec h\u1ecd kh\u00f4ng nh\u1eefng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi b\u1ecb g\u00e2y thi\u1ec7t h\u1ea1i m\u00e0 c\u00f2n ph\u1ea3i t\u1ef1 ch\u1ecbu chi ph\u00ed s\u1eeda ch\u1eefa cho b\u1ea3n th\u00e2n.<\/p>\n

T\u00ecnh hu\u1ed1ng x\u1ea3y ra \u0111i\u1ec3n h\u00ecnh s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng:<\/strong><\/p>\n

1. Xe m\u00e1y \u0111i va qu\u1eb9t v\u00e0o \u00f4 t\u00f4:
\n<\/strong>B\u00ecnh th\u01b0\u1eddng \u1edf nh\u1eefng cung \u0111\u01b0\u1eddng \u0111\u00f4ng \u0111\u00fac, vi\u1ec7c va qu\u1eb9t v\u00e0o c\u00e1c xe kh\u00e1c khi \u0111ang l\u01b0u th\u00f4ng l\u00e0 kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi. V\u1edbi vi\u1ec7c \u0111i xe m\u00e1y va qu\u1eb9t v\u00e0o c\u00e1c \u00f4 t\u00f4 con, nh\u1ea5t l\u00e0 c\u00e1c \u00f4 t\u00f4 \u0111\u1eaft ti\u1ec1n, th\u00ec th\u01b0\u1eddng ch\u1ee7 xe \u00f4 t\u00f4 b\u1eaft b\u1ea1n ph\u1ea3i \u0111\u1ec1n b\u00f9 chi ph\u00ed s\u1eeda ch\u1eefa xe (n\u1ebfu l\u00e0 b\u1ea1n sai).<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y s\u1ebd \u0111\u1ee9ng ra thay b\u1ea1n chi tr\u1ea3 c\u00e1c kho\u1ea3n s\u1eeda ch\u1eefa xe c\u1ee7a b\u00ean b\u1ecb g\u00e2y thi\u1ec7t h\u1ea1i, m\u1ee9c t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng tr\u00ean 1 v\u1ee5.<\/strong><\/p>\n

\u0110\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1ea3o hi\u1ec3m, vi\u1ec7c \u0111\u1ea7u ti\u00ean b\u1ea1n ph\u1ea3i g\u1ecdi ngay<\/span> cho b\u00ean C\u00f4ng An v\u00e0 b\u00ean B\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn chi ti\u1ebft. N\u1ebfu kh\u00f4ng g\u1ecdi cho b\u00ean C\u00f4ng An v\u00e0 B\u1ea3o hi\u1ec3m th\u00ec kh\u1ea3 n\u0103ng b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 l\u00e0 r\u1ea5t cao, v\u00ec C\u00f4ng ty B\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng c\u00f3 ch\u1ee9ng c\u1ee9 x\u00e1c th\u1ef1c l\u00e0 c\u00f3 x\u1ea3y ra tai n\u1ea1n hay kh\u00f4ng.<\/p>\n

2. Xe m\u00e1y \u0111\u00e2m ph\u1ea3i ng\u01b0\u1eddi \u0111i \u0111\u01b0\u1eddng<\/strong><\/p>\n

Trong khi \u0111ang l\u01b0u th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng, \u0111\u00f4i l\u00fac c\u00f3 nh\u1eefng t\u00ecnh h\u1ed1ng kh\u00f4ng may m\u1eafn x\u1ea3y ra m\u00e0 b\u1ea1n \u0111\u00e2m v\u00e0o ph\u1ea3i ng\u01b0\u1eddi \u0111i \u0111\u01b0\u1eddng g\u00e2y tr\u1ecdng th\u01b0\u01a1ng cho c\u1ea3 2. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u1edf t\u00ecnh hu\u1ed1ng tr\u00ean, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y s\u1ebd \u0111\u1ee9ng ra thay b\u1ea1n chi tr\u1ea3 c\u00e1c kho\u1ea3n ch\u1eefa tr\u1ecb c\u1ee7a ng\u01b0\u1eddi b\u1ecb th\u01b0\u01a1ng v\u00e0 c\u00e1c t\u00e0i s\u1ea3n b\u1ecb g\u00e2y thi\u1ec7t h\u1ea1i. M\u1ee9c t\u1ed1i \u0111a cho m\u1ee9c tr\u00e1ch nhi\u1ec7m v\u1ec1 ng\u01b0\u1eddi l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng\/1 ng\u01b0\u1eddi\/v\u1ee5 v\u00e0 cho t\u00e0i s\u1ea3n l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng\/v\u1ee5.<\/strong><\/p>\n

L\u01b0u \u00fd trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n b\u1ecb th\u01b0\u01a1ng, th\u00ec b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng chi tr\u1ea3 ti\u1ec1n ch\u1eefa tr\u1ecb cho b\u1ea1n v\u00ec b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u1ec9 chi tr\u1ea3 cho b\u00ean m\u00e0 b\u1ea1n g\u00e2y thi\u1ec7t h\u1ea1i<\/strong><\/span>. Tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 ti\u1ec1n ch\u1eefa tr\u1ecb cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe m\u00e1y th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 cung c\u1ea5p th\u00eam s\u1ea3n ph\u1ea9n B\u1ea3o hi\u1ec3m ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe, th\u01b0\u1eddng b\u00e1n \u0111\u00ednh k\u00e8m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c v\u1edbi gi\u00e1 kho\u1ea3ng 10.000 \u0111 \u0111\u1ebfn 20.000 \u0111 t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng v\u00e0 20 tri\u1ec7u \u0111\u1ed3ng\/2 ng\u01b0\u1eddi.<\/p>\n

\u2013 C\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong><\/em>
\nXe g\u00e2y tai n\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m n\u1ebfu nh\u01b0 vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u1ee5 th\u1ec3 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n

+ Khi ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe g\u00e2y tai n\u1ea1n c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n v\u01b0\u1ee3t qu\u00e1 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh ho\u1eb7c s\u1eed d\u1ee5ng ch\u1ea5t c\u1ea5m \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea trong v\u0103n b\u1ea3n c\u1ee7a nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n.
\n+ Xe g\u00e2y tai n\u1ea1n khi \u0111ang v\u1eadn chuy\u1ec3n h\u00e0ng tr\u00e1i ph\u00e9p ho\u1eb7c kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng quy \u0111inh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 v\u1eadn chuy\u1ec3n, x\u1ebfp d\u1ee1 h\u00e0ng.
\n+ L\u00e1i xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p l\u1ec7
\n+ L\u00e1i xe vi ph\u1ea1m lu\u1eadt an to\u00e0n giao th\u00f4ng.
\nV\u00ed d\u1ee5, l\u00e1i xe v\u00e0o \u0111\u01b0\u1eddng c\u1ea5m, \u0111i ng\u01b0\u1ee3c chi\u1ec1u, ch\u1edf qu\u00e1 quy \u0111\u1ecbnh c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n\u2026 g\u00e2y tai n\u1ea1n \u0111\u1ec1u kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ed3i th\u01b0\u1eddng t\u1eeb nh\u1eefng c\u01a1 quan b\u1ea3o hi\u1ec3m.
\nNgo\u00e0i ra, t\u1ea1i th\u1eddi \u0111i\u1ec3m xe g\u00e2y tai n\u1ea1n kh\u00f4ng c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn ki\u1ec3m \u0111\u1ecbnh an to\u00e0n k\u1ef9 thu\u1eadt v\u00e0 b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u01a1 gi\u1edbi \u0111\u01b0\u1eddng b\u1ed9 ho\u1eb7c c\u00f3 nh\u01b0ng kh\u00f4ng h\u1ee3p l\u1ec7 c\u0169ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m.<\/p>\n

\u00bb V\u0103n b\u1ea3n h\u1ee3p nh\u1ea5t 25\/VBHN-BTC 2014 ngh\u1ecb \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/a><\/p>\n

\u00bb T\u01b0 v\u1ea5n t\u1ed9i giao th\u00f4ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c xe m\u00e1y. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c. Nh\u01b0ng b\u1ea1n c\u00f3 bi\u1ebft mua b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c khi tham gia giao th\u00f4ng \u0111em l\u1ea1i nhi\u1ec1u quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n. \u2013 B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[249],"tags":[],"_links":{"self":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/10405"}],"collection":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/comments?post=10405"}],"version-history":[{"count":1,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/10405\/revisions"}],"predecessor-version":[{"id":34583,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/10405\/revisions\/34583"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=10405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=10405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=10405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}