{"id":44814,"date":"2024-12-18T14:22:00","date_gmt":"2024-12-18T07:22:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=44814"},"modified":"2025-12-18T15:49:19","modified_gmt":"2025-12-18T08:49:19","slug":"nhung-loai-bao-hiem-cho-xe-o-to","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/nhung-loai-bao-hiem-cho-xe-o-to\/","title":{"rendered":"Nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m cho xe \u00f4 t\u00f4"},"content":{"rendered":"\n<p style=\"text-align: justify;\">\u00d4 t\u00f4 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n di chuy\u1ec3n thi\u1ebft y\u1ebfu, \u0111a n\u0103ng, ph\u1ee5c v\u1ee5 cho m\u1ecdi nhu c\u1ea7u. Trong qu\u00e1 tr\u00ecnh l\u01b0u th\u00f4ng \u0111\u1ec3 h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i do, thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n. Do v\u1eady, B\u1ea3o hi\u1ec3m ra \u0111\u1eddi gi\u00fap b\u1ea3o v\u1ec7 an to\u00e0n h\u1ea1n ch\u1ebf thi\u1ec7t h\u1ea1i cho b\u1ea3n th\u00e2n v\u00e0 nh\u1eefng ng\u01b0\u1eddi xung quanh.<\/p>\n<h2><strong>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m cho xe \u00f4 t\u00f4<\/strong><\/h2>\n<div class=\"field__item\">\n<div class=\"highlight-wrapper-v2\">\n<div class=\"field field-paragraph--field-title-v2 field-formatter-string field-name-field-title-v2 field-type-string field-label-hidden has-single\">\n<div class=\"field__items\">\n<h3><strong>I. B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/strong><\/h3>\n<h4 class=\"field__item\"><strong>1. B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 B\u1eaft bu\u1ed9c<\/strong><\/h4>\n<\/div>\n<\/div>\n<div class=\"paragraph\">\n<div class=\"clearfix text-formatted field field-paragraph--field-text-long field-formatter-text-default field-name-field-text-long field-type-text-long field-label-hidden has-single\">\n<div class=\"field__items\">\n<div class=\"field__item\">\n<p style=\"text-align: justify;\">Theo Ngh\u1ecb \u0111\u1ecbnh 103\/2008\/N\u0110-CP, B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c (TNDS) c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c m\u00e0 c\u00e1c c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p s\u1edf h\u1eefu xe c\u01a1 gi\u1edbi ph\u1ea3i mua theo lu\u1eadt \u0111\u1ecbnh khi tham gia giao th\u00f4ng nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho n\u1ea1n nh\u00e2n khi g\u1eb7p tai n\u1ea1n giao th\u00f4ng do xe c\u01a1 gi\u1edbi g\u00e2y ra. M\u1eb7t kh\u00e1c, gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ch\u1ee7 xe tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro b\u1ea5t ng\u1edd.<\/p>\n<p><strong><em>a. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m (\u0111i\u1ec1u ki\u1ec7n):<\/em><\/strong><\/p>\n<ul>\n<li>Thi\u1ec7t h\u1ea1i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng <span style=\"text-decoration: underline;\">v\u1ec1 th\u00e2n th\u1ec3, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba<\/span> do xe c\u01a1 gi\u1edbi g\u00e2y ra;<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><em>C\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi g\u00e2y thi\u1ec7t h\u1ea1i (<strong>B\u00ean th\u1ee9 nh\u1ea5t, th\u1ee9 hai) <\/strong><\/em><em>b\u1ed3i th\u01b0\u1eddng t\u1ed5n th\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n, s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng m\u00e0 <strong>h\u1ecd g\u00e2y ra<\/strong> ho\u1eb7c c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho m\u1ed9t c\u00e1 nh\u00e2n\/t\u1ed5 ch\u1ee9c kh\u00e1c <strong>(b\u00ean th\u1ee9 ba)<\/strong> kh\u00f4ng c\u00f3 quan h\u1ec7 h\u1ee3p \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp.<\/em><\/p>\n<ul>\n<li>Thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3 v\u00e0 t\u00ednh m\u1ea1ng c\u1ee7a h\u00e0nh kh\u00e1ch theo h\u1ee3p \u0111\u1ed3ng v\u1eadn chuy\u1ec3n h\u00e0nh kh\u00e1ch do xe c\u01a1 gi\u1edbi g\u00e2y ra;<\/li>\n<li>Ch\u1ec9 \u00e1p d\u1ee5ng cho nh\u1eefng tai n\u1ea1n xe c\u01a1 gi\u1edbi x\u1ea3y ra trong ph\u1ea1m vi l\u00e3nh th\u1ed5 Vi\u1ec7t Nam.<\/li>\n<\/ul>\n<p><strong><em>b. M\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m<\/em><\/strong><\/p>\n<ul>\n<li>\u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi: 100 tri\u1ec7u \u0111\u1ed3ng\/1 ng\u01b0\u1eddi\/1 v\u1ee5 tai n\u1ea1n;<\/li>\n<li>\u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n: 50 tri\u1ec7u \u0111\u1ed3ng\/1 v\u1ee5 tai n\u1ea1n.<\/li>\n<\/ul>\n<h3><strong>II. B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n<\/strong><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"field__item\">\n<div class=\"highlight-wrapper-v2\">\n<div class=\"field field-paragraph--field-title-v2 field-formatter-string field-name-field-title-v2 field-type-string field-label-hidden has-single\">\n<div class=\"field__items\">\n<h4 class=\"field__item\"><strong>2. B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/strong><\/h4>\n<\/div>\n<\/div>\n<div class=\"paragraph\">\n<div class=\"clearfix text-formatted field field-paragraph--field-text-long field-formatter-text-default field-name-field-text-long field-type-text-long field-label-hidden has-single\">\n<div class=\"field__items\">\n<div class=\"field__item\">\n<p>\u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n d\u00e0nh cho l\u00e1i xe, ph\u1ee5 xe v\u00e0 nh\u1eefng ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe trong qu\u00e1 tr\u00ecnh tham gia giao th\u00f4ng, khi l\u00ean xu\u1ed1ng xe trong qu\u00e1 tr\u00ecnh tham gia giao th\u00f4ng kh\u00f4ng may b\u1ecb tai n\u1ea1n.<\/p>\n<p>Th\u01b0\u1eddng c\u00f3 2 g\u00f3i B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe (C\u01a1 b\u1ea3n v\u00e0 N\u00e2ng cao) v\u1edbi quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m nh\u01b0 sau:<\/p>\n<p class=\"text-align-right\"><em>\u0110\u01a1n v\u1ecb: VN\u0110<\/em><\/p>\n<table border=\"1\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td class=\"text-align-center\"><strong>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m<\/strong><\/td>\n<td class=\"text-align-center\"><strong>C\u01a1 b\u1ea3n<\/strong><\/td>\n<td class=\"text-align-center\"><strong>N\u00e2ng cao<\/strong><\/td>\n<\/tr>\n<tr>\n<td>T\u1eed vong do tai n\u1ea1n (trong khi di chuy\u1ec3n b\u1eb1ng xe m\u00e1y\/\u00f4 t\u00f4)<\/td>\n<td class=\"text-align-center\">50,000,000 VND<\/td>\n<td class=\"text-align-center\">100,000,000 VND<\/td>\n<\/tr>\n<tr>\n<td>Th\u01b0\u01a1ng t\u1eadt ho\u1eb7c t\u00e0n t\u1eadt v\u0129nh vi\u1ec5n (do tai n\u1ea1n trong khi di chuy\u1ec3n b\u1eb1ng xe m\u00e1y\/\u00f4 t\u00f4)<\/td>\n<td class=\"text-align-center\">50,000,000 VND<\/td>\n<td class=\"text-align-center\">100,000,000 VND<\/td>\n<\/tr>\n<tr>\n<td>Chi ph\u00ed y t\u1ebf (do tai n\u1ea1n trong khi di chuy\u1ec3n b\u1eb1ng xe m\u00e1y\/\u00f4 t\u00f4)<\/td>\n<td class=\"text-align-center\">10,000,000 VND<\/td>\n<td class=\"text-align-center\">20,000,000 VND<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"field__item\">\n<div class=\"highlight-wrapper-v2\">\n<div class=\"field field-paragraph--field-title-v2 field-formatter-string field-name-field-title-v2 field-type-string field-label-hidden has-single\">\n<div class=\"field__items\">\n<h4 class=\"field__item\"><strong>3. B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 (b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf)<\/strong><\/h4>\n<\/div>\n<\/div>\n<div class=\"paragraph\">\n<div class=\"clearfix text-formatted field field-paragraph--field-text-long field-formatter-text-default field-name-field-text-long field-type-text-long field-label-hidden has-single\">\n<div class=\"field__items\">\n<div class=\"field__item\">\n<p>\u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n, c\u00f2n g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4.<\/p>\n<p><em><strong>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m (\u0111i\u1ec1u ki\u1ec7n)<\/strong><\/em>:<\/p>\n<p>C\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe nh\u1eefng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t xe x\u1ea3y ra do nh\u1eefng tai n\u1ea1n b\u1ea5t ng\u1edd, ngo\u00e0i s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a ch\u1ee7 xe trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p:<\/p>\n<ul>\n<li>\u0110\u00e2m va, l\u1eadt, \u0111\u1ed5, r\u01a1i;<\/li>\n<li>Ho\u1ea3 ho\u1ea1n, ch\u00e1y, n\u1ed5;<\/li>\n<li>Nh\u1eefng tai h\u1ecda b\u1ea5t kh\u1ea3 kh\u00e1ng do thi\u00ean nhi\u00ean;<\/li>\n<li>M\u1ea5t c\u1eafp, m\u1ea5t c\u01b0\u1edbp to\u00e0n b\u1ed9 xe;<\/li>\n<li>C\u00e1c r\u1ee7i ro ng\u1eabu nhi\u00ean kh\u00e1c;<\/li>\n<li>Thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3 \u0111\u1ed1i v\u1edbi l\u00e1i xe v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1edf tr\u00ean xe.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"field__item\">\n<div class=\"highlight-wrapper-v2\">\n<div class=\"field field-paragraph--field-title-v2 field-formatter-string field-name-field-title-v2 field-type-string field-label-hidden has-single\">\n<div class=\"field__items\">\n<h4 class=\"field__item\"><strong>4. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 t\u1ef1 nguy\u1ec7n<\/strong><\/h4>\n<\/div>\n<\/div>\n<div class=\"paragraph\">\n<div class=\"clearfix text-formatted field field-paragraph--field-text-long field-formatter-text-default field-name-field-text-long field-type-text-long field-label-hidden has-single\">\n<div class=\"field__items\">\n<div class=\"field__item\">\n<p><em><strong>a. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m (\u0111i\u1ec1u ki\u1ec7n):<\/strong><\/em><\/p>\n<ul>\n<li>Thi\u1ec7t h\u1ea1i ngo\u00e0i h\u1ee3p \u0111\u1ed3ng v\u1ec1 t\u00ednh m\u1ea1ng, th\u00e2n th\u1ec3 v\u00e0 t\u00e0i s\u1ea3n \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba do xe c\u01a1 gi\u1edbi g\u00e2y ra;<\/li>\n<li>Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00ednh m\u1ea1ng, th\u00e2n th\u1ec3 c\u1ee7a h\u00e0nh kh\u00e1ch theo h\u1ee3p \u0111\u1ed3ng v\u1eadn chuy\u1ec3n kh\u00e1ch do xe c\u01a1 gi\u1edbi g\u00e2y ra.<\/li>\n<\/ul>\n<p><em><strong>b. Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m:<\/strong><\/em><\/p>\n<p>Trong tr\u01b0\u1eddng h\u1ee3p t\u1ed5n th\u1ea5t thu\u1ed9c ph\u1ea1m vi B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 B\u1eaft bu\u1ed9c m\u00e0 ch\u1ee7 xe b\u1ed3i th\u01b0\u1eddng cho n\u1ea1n nh\u00e2n v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 b\u1eaft bu\u1ed9c, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng ph\u1ea7n s\u1ed1 ti\u1ec1n v\u01b0\u1ee3t m\u1ee9c nh\u01b0 sau:<\/p>\n<ul>\n<li>V\u1ec1 ng\u01b0\u1eddi: Ch\u1ee7 xe \u0111\u01b0\u1ee3c b\u1ed3i ho\u00e0n cho ph\u1ea7n chi ph\u00ed th\u1ef1c t\u1ebf nh\u1eb1m kh\u1eafc ph\u1ee5c h\u1eadu qu\u1ea3 \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 3 v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c TNDS c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi do B\u1ed9 T\u00e0i ch\u00ednh quy \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u1ef1 nguy\u1ec7n ch\u1ee7 xe t\u1ef1 nguy\u1ec7n tham gia;<\/li>\n<li>V\u1ec1 t\u00e0i s\u1ea3n: Sau khi b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u00e3 chi tr\u1ea3 h\u1ebft m\u1ee9c tr\u00e1ch nhi\u1ec7m, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 ph\u1ea7n ch\u00eanh l\u1ec7ch s\u1ed1 ti\u1ec1n ch\u1ee7 xe \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi thi\u1ec7t h\u1ea1i d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n m\u00e0 ch\u1ee7 xe \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m;<\/li>\n<li>Trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m ch\u1ee7 xe tham gia.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"field__item\">\n<div class=\"highlight-wrapper-v2\">\n<div class=\"field field-paragraph--field-title-v2 field-formatter-string field-name-field-title-v2 field-type-string field-label-hidden has-single\">\n<div class=\"field__items\">\n<h4 class=\"field__item\"><strong>5. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 h\u00e0ng h\u00f3a<\/strong><\/h4>\n<\/div>\n<\/div>\n<div class=\"paragraph\">\n<div class=\"clearfix text-formatted field field-paragraph--field-text-long field-formatter-text-default field-name-field-text-long field-type-text-long field-label-hidden has-single\">\n<div class=\"field__items\">\n<div class=\"field__item\">\n<p>L\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe \u0111\u1ed1i v\u1edbi h\u00e0ng h\u00f3a trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n theo h\u1ee3p \u0111\u1ed3ng v\u1eadn chuy\u1ec3n gi\u1eefa ch\u1ee7 xe v\u1edbi ch\u1ee7 h\u00e0ng.<\/p>\n<p><em><strong>a. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m (\u0111i\u1ec1u ki\u1ec7n):<\/strong><\/em><\/p>\n<p>Nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 h\u00e0ng h\u00f3a do tai n\u1ea1n m\u00e0 nguy\u00ean nh\u00e2n x\u00e1c \u0111\u1ecbnh do l\u1ed7i c\u1ee7a ch\u1ee7 xe g\u00e2y ra trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n h\u00e0ng h\u00f3a.<\/p>\n<p><em><strong>b. Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m:<\/strong><\/em><\/p>\n<p>Nh\u1eefng chi ph\u00ed b\u1ed3i th\u01b0\u1eddng th\u1ef1c t\u1ebf c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd c\u1ee7a ch\u1ee7 xe \u0111\u1ed1i v\u1edbi h\u00e0ng h\u00f3a c\u1ee7a ch\u1ee7 h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 lu\u1eadt d\u00e2n s\u1ef1 khi xe b\u1ecb tai n\u1ea1n v\u00e0 khi \u0111\u00f3 ch\u1ee7 xe ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 h\u00e0ng. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng bao g\u1ed3m nh\u1eefng m\u1ee5c sau:<\/p>\n<ul>\n<li>Chi ph\u00ed ng\u0103n ng\u1eeba gi\u1ea3m nh\u1eb9 t\u1ed5n th\u1ea5t;<\/li>\n<li>Chi ph\u00ed b\u1ea3o qu\u1ea3n, x\u1ebfp d\u1ee1, l\u01b0u kho, l\u01b0u b\u00e3i h\u00e0ng ho\u00e1 do h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n;<\/li>\n<li>Chi ph\u00ed gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t thu\u1ed9c tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m;<\/li>\n<li>Gi\u00e1 tr\u1ecb h\u00e0ng ho\u00e1 b\u1ecb t\u1ed5n th\u1ea5t;<\/li>\n<li>T\u1ed5ng s\u1ed1 c\u00e1c chi ph\u00ed tr\u00ean kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m cho h\u00e0ng ho\u00e1 chuy\u00ean ch\u1edf tr\u00ean xe.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00d4 t\u00f4 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n di chuy\u1ec3n thi\u1ebft y\u1ebfu, \u0111a n\u0103ng, ph\u1ee5c v\u1ee5 cho m\u1ecdi nhu c\u1ea7u. Trong qu\u00e1 tr\u00ecnh l\u01b0u th\u00f4ng \u0111\u1ec3 h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i do, thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n. Do v\u1eady, B\u1ea3o hi\u1ec3m ra \u0111\u1eddi gi\u00fap b\u1ea3o v\u1ec7 an to\u00e0n h\u1ea1n ch\u1ebf thi\u1ec7t h\u1ea1i cho b\u1ea3n [&hellip;]<\/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\/44814"}],"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=44814"}],"version-history":[{"count":11,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/44814\/revisions"}],"predecessor-version":[{"id":44830,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/44814\/revisions\/44830"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=44814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=44814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=44814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}