{"id":37292,"date":"2023-04-28T11:43:17","date_gmt":"2023-04-28T04:43:17","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=37292"},"modified":"2025-06-04T15:41:48","modified_gmt":"2025-06-04T08:41:48","slug":"bao-hiem-bat-buoc-trach-nhiem-dan-su-boi-thuong-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/bao-hiem-bat-buoc-trach-nhiem-dan-su-boi-thuong-nhu-the-nao\/","title":{"rendered":"B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"\n

Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho ph\u01b0\u01a1ng ti\u1ec7n xe \u00f4 t\u00f4, m\u00f4 t\u00f4 khi tham gia giao th\u00f4ng g\u00e2y tai n\u1ea1n th\u00ec s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 nh\u01b0 th\u1ebf n\u00e0o?\u00a0Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe \u00f4 t\u00f4 l\u00e0 ng\u01b0\u1eddi c\u00f3 l\u1ed7i lao v\u1ec1 b\u00ean tr\u00e1i \u0111\u01b0\u1eddng, \u0111\u00e2m v\u00e0o xe m\u00e1y. V\u1ec1 xe \u00f4 t\u00f4 \u0111\u00f3 c\u00f3 mua \u0111\u1ea7y \u0111\u1ee7 b\u1ea3o hi\u1ec3m v\u00e0 c\u00f3 \u0111\u1ee7 gi\u1ea5y \u0111\u0103ng k\u00fd xe, gi\u1ea5y ph\u00e9p l\u00e1i xe\u2026<\/span><\/p>\n

\n

B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/strong><\/h2>\n

1. Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau<\/strong><\/h3>\n

Theo t\u00ecnh hu\u1ed1ng tr\u00ean th\u00ec ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n g\u00e2y tai n\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n b\u1ea3o hi\u1ec3m, tr\u1eeb khi tr\u01b0\u1eddng h\u1ee3p thu\u1ed9c m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 13 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 103\/2008\/N\u0110-CP v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi sau \u0111\u00e2y:<\/p>\n

1. H\u00e0nh \u0111\u1ed9ng c\u1ed1 \u00fd g\u00e2y thi\u1ec7t h\u1ea1i c\u1ee7a ch\u1ee7 xe, l\u00e1i xe, ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i.<\/em><\/p>\n

2. L\u00e1i xe g\u00e2y tai n\u1ea1n c\u1ed1 \u00fd b\u1ecf ch\u1ea1y kh\u00f4ng th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe, l\u00e1i xe c\u01a1 gi\u1edbi.<\/em><\/p>\n

3. L\u00e1i xe kh\u00f4ng c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe ho\u1eb7c Gi\u1ea5y ph\u00e9p l\u00e1i xe kh\u00f4ng ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi lo\u1ea1i xe c\u01a1 gi\u1edbi b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe.<\/em><\/p>\n

4. Thi\u1ec7t h\u1ea1i g\u00e2y ra h\u1eadu qu\u1ea3 gi\u00e1n ti\u1ebfp nh\u01b0: gi\u1ea3m gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i, thi\u1ec7t h\u1ea1i g\u1eafn li\u1ec1n v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng v\u00e0 khai th\u00e1c t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i.<\/em><\/p>\n

5. Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n b\u1ecb m\u1ea5t c\u1eafp ho\u1eb7c b\u1ecb c\u01b0\u1edbp trong tai n\u1ea1n.<\/em><\/p>\n

6. Chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1, \u0111\u1ed9ng \u0111\u1ea5t.<\/em><\/p>\n

7. Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u1eb7c bi\u1ec7t bao g\u1ed3m: v\u00e0ng, b\u1ea1c, \u0111\u00e1 qu\u00fd, ti\u1ec1n, c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 ti\u1ec1n, \u0111\u1ed3 c\u1ed5, tranh \u1ea3nh qu\u00fd hi\u1ebfm, thi h\u00e0i, h\u00e0i c\u1ed1t.<\/em><\/p>\n

2. T\u00e0i li\u1ec7u y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng<\/strong><\/h3>\n

Trong v\u00f2ng 5 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y x\u1ea3y ra tai n\u1ea1n ph\u1ea3i g\u1eedi th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ebfn doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m k\u00e8m theo c\u00e1c t\u00e0i li\u1ec7u sau \u0111\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a xe c\u01a1 gi\u1edbi:<\/p>\n

\u2013 T\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn xe, l\u00e1i xe;<\/p>\n

\u2013 C\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n;<\/p>\n

\u2013 T\u00e0i li\u1ec7u li\u00ean quan c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n v\u1ec1 v\u1ee5 tai n\u1ea1n.<\/p>\n

3. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n

T\u1ea1i \u0110i\u1ec1u 9 Th\u00f4ng t\u01b0 22\/2016\/TT-BTC quy \u0111\u1ecbnh m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m l\u00e0 s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a b\u00ean th\u1ee9 ba v\u00e0 h\u00e0nh kh\u00e1ch do xe c\u01a1 gi\u1edbi g\u00e2y ra trong m\u1ed7i v\u1ee5 tai n\u1ea1n x\u1ea3y ra thu\u1ed9c ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m. C\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n

1. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi<\/span> do xe c\u01a1 gi\u1edbi g\u00e2y ra l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng<\/span>\/1 ng\u01b0\u1eddi\/1 v\u1ee5 tai n\u1ea1n.<\/em><\/p>\n

2. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n do xe m\u00f4 t\u00f4 hai b\u00e1nh<\/span>, xe m\u00f4 t\u00f4 ba b\u00e1nh, xe g\u1eafn m\u00e1y v\u00e0 c\u00e1c lo\u1ea1i xe c\u01a1 gi\u1edbi t\u01b0\u01a1ng t\u1ef1 (k\u1ec3 c\u1ea3 xe c\u01a1 gi\u1edbi d\u00f9ng cho ng\u01b0\u1eddi t\u00e0n t\u1eadt) g\u00e2y ra l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng<\/span>\/1 v\u1ee5 tai n\u1ea1n.<\/em><\/p>\n

3. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n do xe \u00f4 t\u00f4, m\u00e1y k\u00e9o<\/span>, xe m\u00e1y thi c\u00f4ng, xe m\u00e1y n\u00f4ng nghi\u1ec7p, l\u00e2m nghi\u1ec7p v\u00e0 c\u00e1c lo\u1ea1i xe \u0111\u1eb7c ch\u1ee7ng kh\u00e1c s\u1eed d\u1ee5ng v\u00e0o M\u1ee5c \u0111\u00edch an ninh, qu\u1ed1c ph\u00f2ng (k\u1ec3 c\u1ea3 r\u01a1-mo\u00f3c v\u00e0 s\u01a1 mi r\u01a1-mo\u00f3c \u0111\u01b0\u1ee3c k\u00e9o b\u1edfi xe \u00f4 t\u00f4 ho\u1eb7c m\u00e1y k\u00e9o) g\u00e2y ra l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng<\/span>\/1 v\u1ee5 tai n\u1ea1n.<\/em><\/p>\n

4. \u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi<\/strong><\/h3>\n

\u2013 M\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh c\u0103n c\u1ee9 v\u00e0o quy\u1ebft \u0111\u1ecbnh c\u1ee7a t\u00f2a \u00e1n.<\/p>\n

\u2013 Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a t\u00f2a \u00e1n, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean B\u1ea3ng quy \u0111\u1ecbnh tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi quy \u0111\u1ecbnh t\u1ea1i Ph\u1ee5 l\u1ee5c s\u1ed1 6<\/span> ban h\u00e0nh k\u00e8m theo\u00a0Th\u00f4ng t\u01b0 22\/2016\/TT-BTC<\/p>\n

\u2013 Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 xe c\u01a1 gi\u1edbi \u0111\u1ed3ng th\u1eddi tham gia nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho c\u00f9ng m\u1ed9t xe c\u01a1 gi\u1edbi th\u00ec s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc.<\/p>\n

5. \u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n<\/strong><\/h3>\n

\u2013 M\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf v\u00e0 theo m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi.<\/p>\n

\u2013 Tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 xe c\u01a1 gi\u1edbi \u0111\u1ed3ng th\u1eddi tham gia nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho c\u00f9ng m\u1ed9t xe c\u01a1 gi\u1edbi th\u00ec s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc.<\/p>\n

\u2013 Chi ph\u00ed c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd nh\u1eb1m ng\u0103n ng\u1eeba, h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t li\u00ean quan t\u1edbi v\u1ee5 tai n\u1ea1n m\u00e0 ch\u1ee7 xe c\u01a1 gi\u1edbi \u0111\u00e3 chi ra.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho ph\u01b0\u01a1ng ti\u1ec7n xe \u00f4 t\u00f4, m\u00f4 t\u00f4 khi tham gia giao th\u00f4ng g\u00e2y tai n\u1ea1n th\u00ec s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 nh\u01b0 th\u1ebf n\u00e0o?\u00a0Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe \u00f4 t\u00f4 l\u00e0 ng\u01b0\u1eddi c\u00f3 l\u1ed7i lao v\u1ec1 b\u00ean tr\u00e1i \u0111\u01b0\u1eddng, \u0111\u00e2m v\u00e0o xe m\u00e1y. V\u1ec1 xe \u00f4 […]<\/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\/37292"}],"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=37292"}],"version-history":[{"count":9,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/37292\/revisions"}],"predecessor-version":[{"id":43763,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/37292\/revisions\/43763"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=37292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=37292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=37292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}