{"id":43762,"date":"2023-06-04T15:43:00","date_gmt":"2023-06-04T08:43:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=43762"},"modified":"2025-06-04T16:39:14","modified_gmt":"2025-06-04T09:39:14","slug":"bao-hiem-trach-nhiem-dan-su-bat-buoc-co-boi-thuong-hu-hong-xe-cua-nguoi-mua-bao-hiem-khong","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/bao-hiem-trach-nhiem-dan-su-bat-buoc-co-boi-thuong-hu-hong-xe-cua-nguoi-mua-bao-hiem-khong\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c c\u00f3 b\u1ed3i th\u01b0\u1eddng h\u01b0 h\u1ecfng xe c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m kh\u00f4ng?"},"content":{"rendered":"\n

Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c cho xe c\u01a1 gi\u1edbi c\u1ee7a m\u00ecnh th\u1eafc mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c r\u1ed3i, khi xe c\u1ee7a m\u00ecnh b\u1ecb tai n\u1ea1n x\u1ea3y ra v\u00e0 xe b\u1ecb h\u01b0 h\u1ecfng th\u00ec b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho m\u00ecnh kh\u00f4ng?\u00a0<\/p>\n

Quy \u0111\u1ecbnh v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c\u00a0<\/b><\/h2>\n

1. \u0110\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c<\/strong><\/h3>\n

Theo kho\u1ea3n 1 \u0110i\u1ec1u 7 Ngh\u1ecb \u0111\u1ecbnh 67\/2023\/N\u0110-CP \u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i sau:\u00a0<\/p>\n

\u2013 Thi\u1ec7t h\u1ea1i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba do xe c\u01a1 gi\u1edbi tham gia giao th\u00f4ng, ho\u1ea1t \u0111\u1ed9ng g\u00e2y ra.<\/p>\n

\u2013 Thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng c\u1ee7a h\u00e0nh kh\u00e1ch tr\u00ean chi\u1ebfc xe \u0111\u00f3 do xe c\u01a1 gi\u1edbi tham gia giao th\u00f4ng, ho\u1ea1t \u0111\u1ed9ng g\u00e2y ra.<\/p>\n

Nh\u01b0 v\u1eady, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m b\u00e1n d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c theo \u0111\u00fang ph\u1ea1m vi b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh c\u1ee7a ch\u00ednh ph\u1ee7 kh\u00f4ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng v\u1ec1 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi ch\u1ee7 xe m\u00e0 ch\u1ec9 b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba<\/span> (ng\u01b0\u1eddi th\u1ee9 ba l\u00e0 b\u00ean th\u1ee9 ba kh\u00f4ng ph\u1ea3i b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m).<\/p>\n

2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m<\/b><\/h3>\n

Theo kho\u1ea3n 2 \u0110i\u1ec1u 7\u00a0 Ngh\u1ecb \u0111\u1ecbnh 67\/2023\/N\u0110-CP c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m g\u1ed3m:<\/p>\n

\u2013 H\u00e0nh \u0111\u1ed9ng c\u1ed1 \u00fd g\u00e2y thi\u1ec7t h\u1ea1i c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi, ng\u01b0\u1eddi l\u00e1i xe ho\u1eb7c ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n

\u2013 Ng\u01b0\u1eddi 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 c\u01a1 gi\u1edbi. Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi l\u00e1i xe g\u00e2y tai n\u1ea1n c\u1ed1 \u00fd b\u1ecf ch\u1ea1y nh\u01b0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi th\u00ec kh\u00f4ng thu\u1ed9c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m.<\/p>\n

\u2013 Ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u1ec1 \u0111\u1ed9 tu\u1ed5i theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9; ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe ho\u1eb7c s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe kh\u00f4ng h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 \u0111\u00e0o t\u1ea1o, s\u00e1t h\u1ea1ch, c\u1ea5p gi\u1ea5y ph\u00e9p l\u00e1i xe c\u01a1 gi\u1edbi \u0111\u01b0\u1eddng b\u1ed9, Gi\u1ea5y ph\u00e9p l\u00e1i xe b\u1ecb t\u1ea9y x\u00f3a ho\u1eb7c s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ebft h\u1ea1n s\u1eed d\u1ee5ng t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra tai n\u1ea1n ho\u1eb7c s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe kh\u00f4ng ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi xe c\u01a1 gi\u1edbi b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe. Tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi l\u00e1i xe b\u1ecb t\u01b0\u1edbc quy\u1ec1n s\u1eed d\u1ee5ng Gi\u1ea5y ph\u00e9p l\u00e1i xe c\u00f3 th\u1eddi h\u1ea1n ho\u1eb7c b\u1ecb thu h\u1ed3i Gi\u1ea5y ph\u00e9p l\u00e1i xe th\u00ec \u0111\u01b0\u1ee3c coi l\u00e0 kh\u00f4ng c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe.<\/p>\n

\u2013 Thi\u1ec7t h\u1ea1i g\u00e2y ra h\u1eadu qu\u1ea3 gi\u00e1n ti\u1ebfp bao g\u1ed3m: 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.<\/p>\n

\u2013 Thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n do l\u00e1i xe \u0111i\u1ec1u khi\u1ec3n xe c\u01a1 gi\u1edbi m\u00e0 trong m\u00e1u ho\u1eb7c h\u01a1i th\u1edf c\u00f3 n\u1ed3ng \u0111\u1ed9 c\u1ed3n v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u1ecb s\u1ed1 b\u00ecnh th\u01b0\u1eddng theo h\u01b0\u1edbng d\u1eabn c\u1ee7a B\u1ed9 Y t\u1ebf; s\u1eed d\u1ee5ng ma t\u00fay v\u00e0 ch\u1ea5t k\u00edch th\u00edch b\u1ecb c\u1ea5m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

\u2013 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.<\/p>\n

\u2013 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, 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.<\/p>\n

\u2013 Thi\u1ec7t h\u1ea1i do chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1, \u0111\u1ed9ng \u0111\u1ea5t.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c cho xe c\u01a1 gi\u1edbi c\u1ee7a m\u00ecnh th\u1eafc mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c r\u1ed3i, khi xe c\u1ee7a m\u00ecnh b\u1ecb tai n\u1ea1n x\u1ea3y ra v\u00e0 xe b\u1ecb h\u01b0 h\u1ecfng th\u00ec b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho m\u00ecnh kh\u00f4ng?\u00a0 Quy \u0111\u1ecbnh v\u1ec1 […]<\/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\/43762"}],"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=43762"}],"version-history":[{"count":1,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/43762\/revisions"}],"predecessor-version":[{"id":43764,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/43762\/revisions\/43764"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=43762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=43762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=43762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}