{"id":44831,"date":"2023-12-18T17:14:00","date_gmt":"2023-12-18T10:14:00","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=44831"},"modified":"2026-02-01T09:44:42","modified_gmt":"2026-02-01T02:44:42","slug":"cach-xu-ly-cac-tinh-huong-boi-thuong-bao-hiem-o-to","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/cach-xu-ly-cac-tinh-huong-boi-thuong-bao-hiem-o-to\/","title":{"rendered":"Ca\u0301ch x\u01b0\u0309 ly\u0301 C\u00e1c t\u00ecnh hu\u1ed1ng b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4"},"content":{"rendered":"\n

Ca\u0301ch x\u01b0\u0309 ly\u0301 C\u00e1c t\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, xe m\u00e1y. \u0110\u00f4\u0301i v\u01a1\u0301i ng\u01b0\u01a1\u0300i mua ba\u0309o hi\u00ea\u0309m xe c\u01a1 gi\u01a1\u0301i ba\u0301o g\u00f4\u0300m ba\u0309o hi\u00ea\u0309m tra\u0301ch nhi\u00ea\u0323m d\u00e2n s\u01b0\u0323 b\u0103\u0301t bu\u00f4\u0323c, ba\u0309o hi\u00ea\u0309m t\u01b0\u0323 nguy\u00ea\u0323n, Khi x\u00e2\u0309y ra ru\u0309i do th\u01b0\u01a1\u0300ng \u0111\u01b0\u01a1\u0323c ca\u0301c ha\u0303ng ba\u0309o hi\u00ea\u0309m h\u01b0\u01a1\u0301ng d\u00e2\u0303n x\u01b0\u0309 ly\u0301. Tuy nhi\u00ean cu\u0303ng co\u0301 tr\u01b0\u01a1\u0300ng h\u01a1\u0323p vi\u00ea\u0323c la\u0300m t\u01b0\u0300 phi\u0301a ba\u0309o hi\u00ea\u0309m kh\u00f4ng \u0111u\u0301ng quy \u0111i\u0323nh, \u0111a\u0303 \u0111\u00e2\u0309y ru\u0309i do cho phi\u0301a kha\u0301ch ha\u0300ng. Trong tr\u01b0\u01a1\u0300ng h\u01a1\u0323p na\u0300y kha\u0301ch ha\u0300ng kh\u00f4ng \u0111\u00f4\u0300ng y\u0301, thi\u0300 khi\u00ea\u0301u na\u0323i tr\u1ef1c ti\u1ebfp c\u00f4ng ty b\u1ea3o hi\u1ec3m\u00a0tr\u01b0\u1edbc, n\u1ebfu kh\u00f4ng th\u1ecfa \u0111\u00e1ng th\u00ec g\u1eedi \u0111\u01a1n l\u00ean\u00a0C\u1ee5c Qu\u1ea3n l\u00fd, Gi\u00e1m s\u00e1t B\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), v\u00e0 cu\u1ed1i c\u00f9ng c\u00f3 th\u1ec3\u00a0kh\u1edfi ki\u1ec7n t\u1ea1i T\u00f2a \u00e1n nh\u00e2n d\u00e2n\u00a0n\u01a1i c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1eb7t tr\u1ee5 s\u1edf.\u00a0<\/p>\n

Ca\u0301c ti\u0300nh hu\u00f4\u0301ng x\u01b0\u0309 ly\u0301 \u0111\u00ea\u0309 \u0111\u01b0\u01a1\u0323c b\u00f4\u0300i th\u01b0\u01a1\u0300ng ba\u0309o hi\u00ea\u0309m<\/strong><\/h2>\n

1. Kh\u00f4ng k\u00fd Bi\u00ean b\u1ea3n tho\u1ea3 thu\u1eadn khi mu\u00f4\u0301n \u0111o\u0300i b\u0103\u0300ng ba\u0309o hi\u00ea\u0309m<\/strong><\/h3>\n

N\u00ea\u0301u mu\u1ed1n \u0111\u00f2i b\u1ea3o hi\u1ec3m thi\u0300 kh\u00f4ng k\u00fd Bi\u00ean b\u1ea3n tho\u1ea3 thu\u1eadn<\/span><\/p>\n

2. Xe tai na\u0323n co\u0301 2 loa\u0323i ba\u0309o hi\u00ea\u0309m thi\u0300 b\u00f4i th\u01b0\u01a1\u0300ng th\u00ea\u0301 na\u0300o?<\/strong><\/h3>\n

\u2013 B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong> (TNDS) l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho b\u00ean th\u1ee9 ba<\/span> v\u1ec1 thi\u1ec7t h\u1ea1i s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m g\u00e2y ra. N\u00ea\u0301u ca\u0301c b\u00ean t\u01b0\u0323 nguy\u00ea\u0323n b\u00f4\u0300i th\u01b0\u01a1\u0300ng cho nhau v\u00ea\u0300 ba\u0309o hi\u00ea\u0309m TNDS thi\u0300 cu\u0303ng kh\u00f4ng a\u0309nh h\u01b0\u01a1\u0309ng \u0111\u00ea\u0301n ba\u0309o hi\u00ea\u0309m v\u00e2\u0323t ch\u00e2\u0301t (kh\u00f4ng pha\u0309i b\u00ean th\u01b0\u0301 3).<\/p>\n

\u2013 B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/strong> l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n gi\u00fap ch\u1ee7 xe chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa ho\u1eb7c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i (th\u00e2n v\u1ecf, m\u00e1y m\u00f3c) khi xe g\u1eb7p tai n\u1ea1n, va ch\u1ea1m, h\u1ecfa ho\u1ea1n, m\u1ea5t c\u1eafp, ho\u1eb7c thi\u00ean tai (b\u00e3o l\u0169, c\u00e2y \u0111\u1ed5\u2026). \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh quan tr\u1ecdng, kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c).<\/p>\n

\u0110\u00f4\u0301i v\u01a1\u0301i ba\u0309o hi\u00ea\u0309m th\u00e2n vo\u0309, m\u00e1y m\u00f3c (v\u00e2\u0323t ch\u00e2\u0301t) thi\u0300 kh\u00f4ng phu\u0323 thu\u00f4\u0323c va\u0300o y\u00ea\u0301u t\u00f4\u0301 l\u00f4\u0303i. du\u0300 \u0111u\u0301ng hay sai, chu\u0309 xe \u0111\u00ea\u0300u co\u0301 quy\u00ea\u0300n y\u00eau c\u00e2\u0300u ba\u0309o hi\u00ea\u0309m chi tra\u0309 va\u0300 th\u01b0\u0323c hi\u00ea\u0323n theo quy tri\u0300nh th\u00f4ng ba\u0301o qua hotline, th\u00f4ng ba\u0301o b\u0103\u0300ng v\u0103n ba\u0309n va\u0300 g\u01b0\u0309i h\u00f4\u0300 s\u01a1 y\u00eau c\u00e2\u0300u ba\u0309o hi\u00ea\u0309m.<\/p>\n

3. \u0110i \u0111\u00fang, b\u1ecb nh\u00e2n vi\u00ean ba\u0309o hi\u00ea\u0309m ch\u1ebf t\u00e0i 50%, thi\u0300 la\u0300m gi\u0300?<\/strong><\/h3>\n

Tr\u01b0\u01a1\u0300ng h\u01a1\u0323p na\u0300y ba\u0323n c\u00e2\u0300n khi\u00ea\u0301u na\u0323i: C\u0103n c\u1ee9 khi\u00ea\u0301u na\u0323i theo quy t\u1eafc ba\u0309o hi\u00ea\u0309m, th\u1ef1c t\u1ebf va\u0300 ta\u0300i li\u00ea\u0323u cu\u0309a c\u01a1 quan c\u00f4ng an<\/p>\n

4. Bi\u0323 xe co\u0301 la\u0301i xe say r\u01b0\u01a1\u0323u \u0111\u00e2m va\u0300o thi\u0300 \u0111o\u0300i ba\u0309o hi\u00ea\u0309m th\u00ea\u0301 na\u0300o?<\/strong><\/h3>\n

+ Ng\u01b0\u01a1\u0300i la\u0301i xe u\u00f4\u0301ng r\u01b0\u01a1\u0323u th\u01b0\u01a1\u0300ng bi\u0323 phi\u0301a ba\u0309o hi\u00ea\u0309m t\u01b0\u0300 ch\u00f4\u0301i b\u00f4\u0300i th\u01b0\u01a1\u0300ng. N\u00ean \u0111\u00e2\u0300u ti\u00ean la\u0300 kh\u00f4ng tho\u0309a hi\u00ea\u0323p ma\u0300 \u0111\u01a1\u0323i ca\u0309nh sa\u0301t giao th\u00f4ng c\u00e2\u0301p cho m\u00f4\u0323t Ba\u0309n ch\u01b0\u0301ng nh\u00e2\u0323n b\u00ean kia hoa\u0300n toa\u0300n co\u0301 tra\u0301ch nhi\u00ea\u0323m (Theo quy \u0111i\u0323nh: ty\u0309 l\u00ea\u0323 n\u00f4\u0300ng \u0111\u00f4\u0323 c\u00f4\u0300n t\u01b0\u0300 6\/9\/2023 ta\u0323i Nghi\u0323 \u0111i\u0323nh 67\/2023 cu\u0309a Chi\u0301nh phu\u0309 thi\u0300 doanh nghi\u00ea\u0323p pha\u0309i b\u00f4\u0300i th\u01b0\u01a1\u0300ng<\/strong> n\u00ea\u0301u trong ma\u0301u ho\u0103\u0323c h\u01a1i th\u01a1\u0309 d\u01b0\u01a1\u0301i m\u01b0\u0301c d\u01b0\u01a1\u0301i m\u01b0\u0301c 10.9 mmol\/li\u0301t khi\u0301 th\u01a1\u0309).<\/em>
+ Sau \u0111o\u0301, go\u0323i c\u00f4ng ty ba\u0309o hi\u00ea\u0309m cu\u0309a mi\u0300nh \u0111\u00ea\u0309 C\u00f4ng ty ba\u0309o hi\u00ea\u0309m la\u0300m di\u0323ch vu\u0323 \u0111o\u0300i b\u00f4\u0300i th\u01b0\u01a1\u0300ng thay (th\u00ea\u0301 quy\u00ea\u0300n).
+ C\u00f4ng ty ba\u0309o hi\u00ea\u0309m se\u0303 tra\u0309 ti\u00ea\u0300n cho chu\u0309 xe s\u01b0\u0309a xe tr\u01b0\u01a1\u0301c.
+ Sau \u0111o\u0301, n\u00f4\u0323p Ba\u0309n gi\u00e2\u0301y ch\u01b0\u0301ng nh\u00e2\u0323n tra\u0301ch nhi\u00ea\u0323m, hi\u0300nh a\u0309nh hi\u00ea\u0323n tr\u01b0\u01a1\u0300ng, ho\u0301a \u0111\u01a1n chi phi\u0301 s\u01b0\u0309a ch\u01b0\u0303a xe cho C\u00f4ng ty ba\u0309o hi\u00ea\u0309m va\u0300 h\u00f4\u0303 tr\u01a1\u0323 ba\u0309o hi\u00ea\u0309m \u0111o\u0300i b\u00f4\u0300i th\u01b0\u01a1\u0300ng.<\/p>\n

5. X\u01b0\u0309 ly\u0301 nh\u01b0 th\u00ea\u0301 na\u0300o khi va tra\u0323m xong xe kha\u0301c r\u01a1\u0300i \u0111i?<\/strong><\/h3>\n

+ Gi\u01b0\u0303 nguy\u00ean hi\u00ea\u0323n tr\u01b0\u01a1\u0300ng, b\u00e2\u0323t \u0111e\u0300n kh\u00e2\u0309n c\u00e2\u0301p, go\u0323i cho ba\u0309o hi\u00ea\u0309m.<\/p>\n

N\u00ea\u0301u ch\u01a1\u0300 l\u00e2u la\u0300m ca\u0309n tr\u01a1\u0309 giao th\u00f4ng se\u0303 co\u0301 \u0111a\u0323i di\u00ea\u0323n cu\u0309a CQ ch\u01b0\u0301c n\u0103ng, CSGT y\u00eau c\u00e2\u0300u ta\u0301p xe va\u0300o l\u00ea\u0300 \u0111\u01b0\u01a1\u0300ng.<\/p>\n

N\u00ea\u0301u ch\u01b0a co\u0301 y\u00eau c\u00e2\u0300u CSGT, thi\u0300 go\u0323i \u0111i\u00ea\u0323n cho hotline cty ba\u0309o hi\u00ea\u0309m ba\u0301o, n\u00ea\u0301u l\u00e2u ma\u0300 ho\u0323 kh\u00f4ng \u0111\u00ea\u0301n, thi\u0300 go\u0323i ti\u00ea\u0301p cho b\u00ean hotline l\u00e2\u0300n hai<\/span> \u0111a\u0303 th\u00f4ng tin, nh\u01b0ng G\u0110V kh\u00f4ng \u0111\u00ea\u0301n, do ti\u0300nh hi\u0300nh giao th\u00f4ng u\u0300n t\u0103\u0301c n\u00ean pha\u0309i r\u01a1\u0300i xe t\u01b0\u0300 gi\u01b0\u0303a \u0111\u01b0\u01a1\u0300ng va\u0300o l\u00ea\u0300, la\u0300n kh\u00e2\u0309n c\u00e2\u0301p\u2026.<\/p>\n

6. \u0110i xe \u0111\u00e2m va\u0300o t\u01b0\u01a1\u0300ng, kh\u00f4ng \u01a1\u0309 la\u0323i hi\u00ea\u0323n tr\u01b0\u01a1\u0300ng co\u0301 \u0111\u01b0\u01a1\u0323c Ba\u0309o hi\u00ea\u0309m tra\u0301ch nhi\u00ea\u0323m d\u00e2n s\u01b0\u0323<\/span> b\u00f4\u0300i th\u01b0\u01a1\u0300ng kh\u00f4ng?<\/strong><\/h3>\n

\u2013 Nh\u01b0 v\u00e2\u0323y, l\u00f4\u0303i la\u0300 do ng\u01b0\u01a1\u0300i la\u0301i xe.<\/p>\n

\u2013 \u0110\u00e2y la\u0300 thi\u00ea\u0323t ha\u0323i v\u00ea\u0300 ta\u0300i sa\u0309n cu\u0309a b\u00ean th\u01b0\u0301 3. N\u00ea\u0301u \u01a1\u0309 hi\u00ea\u0323n tr\u01b0\u01a1\u0300ng co\u0301 camera ghi la\u0323i<\/strong> thi\u0300 ba\u0323n v\u00e2\u0303n co\u0301 th\u00ea\u0309 \u0111\u01b0\u01a1\u0323c b\u00f4\u0300i th\u01b0\u01a1\u0300ng cho b\u00ean th\u01b0\u0301 3 la\u0300 t\u01b0\u01a1\u0300ng nha\u0300 d\u00e2n, nh\u01b0ng do la\u0301i xe ba\u0301o ch\u00e2\u0323m, kh\u00f4ng gi\u01b0\u0303 \u0111\u01b0\u01a1\u0323c hi\u00ea\u0323n tr\u01b0\u01a1\u0300ng. theo quy \u0111i\u0323nh ta\u0323i Nghi\u0323 \u0111i\u0323nh 67\/2023\/TTg thi\u0300 co\u0301 th\u00ea\u0309 bi\u0323 ch\u00ea\u0300 ta\u0300i t\u00f4\u0301i \u0111a 5% theo nghi\u0323 \u0111inh.<\/p>\n

\u2013 Ngoa\u0300i ra n\u00ea\u0301u xe co\u0301 Ba\u0309o hi\u00ea\u0309m th\u00e2n vo\u0309 thi\u0300 ch\u00ea\u0301 ta\u0300i theo quy t\u0103\u0301c cu\u0309a ba\u0309o hi\u00ea\u0309m.<\/p>\n

7. \u0110o\u0300i Ba\u0309o hi\u00ea\u0309m th\u00e2n vo\u0309 thi\u0300 kh\u00f4ng quan t\u00e2m \u0111\u00ea\u0301n y\u00ea\u0301u t\u00f4\u0301 l\u00f4\u0303i<\/strong><\/h3>\n

Khi va cha\u0323m bi\u0323 a\u0309nh chi\u0309 h\u01b0\u01a1\u0309ng \u0111\u00ea\u0301n th\u00e2n vo\u0309 xe, ma\u0300 H\u00f4\u0300 s\u01a1 cu\u0309a c\u01a1 quan C\u00f4ng an k\u00ea\u0301t lu\u00e2\u0323n cho la\u0300 mi\u0300nh \u0111i sai, nh\u01b0ng Gia\u0301m \u0111i\u0323nh vi\u00ean la\u0323i k\u00ea\u0301t lu\u00e2\u0323n mi\u0300nh \u0111i \u0111u\u0301ng.\u00a0<\/p>\n

Trong tr\u01b0\u01a1\u0300ng h\u01a1\u0323p na\u0300y, ng\u01b0\u01a1\u0300i \u0111o\u0300i Ba\u0309o hi\u00ea\u0309m th\u00e2n vo\u0309 kh\u00f4ng quan t\u00e2m \u0111\u00ea\u0301n y\u00ea\u0301u t\u00f4\u0301 l\u00f4\u0303i. Chi\u0309 kha\u0301c la\u0300 ng\u01b0\u01a1\u0300i \u0111i \u0111u\u0301ng th\u00ea\u0301 quy\u00ea\u0300n<\/strong> (u\u0309y quy\u00ea\u0300n) cho b\u00ean Ba\u0309o hi\u00ea\u0309n \u0111o\u0300i b\u00ean sai.<\/p>\n

Nh\u01b0 v\u00e2\u0323y, vi\u00ea\u0323c cu\u0309a chu\u0309 xe c\u00e2\u0300n la\u0300m<\/strong> la\u0300 go\u0323i \u0111i\u00ea\u0323n cho hotline cty ba\u0309o hi\u00ea\u0309m ba\u0301o, n\u00ea\u0301u l\u00e2u ma\u0300 ho\u0323 kh\u00f4ng \u0111\u00ea\u0301n, thi\u0300 go\u0323i ti\u00ea\u0301p cho b\u00ean hotline l\u00e2\u0300n th\u01b0\u0301 2<\/span> \u0111a\u0303 th\u00f4ng tin, nh\u01b0ng G\u0110V kh\u00f4ng \u0111\u00ea\u0301n, do ti\u0300nh hi\u0300nh giao th\u00f4ng u\u0300n t\u0103\u0301c n\u00ean pha\u0309i r\u01a1\u0300i xe t\u01b0\u0300 gi\u01b0\u0303a \u0111\u01b0\u01a1\u0300ng va\u0300o l\u00ea\u0300, la\u0300n kh\u00e2\u0309n c\u00e2\u0301p\u2026.<\/p>\n

\u00bb M\u1eabu \u0111\u01a1n khi\u00ea\u0301u na\u0323i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/p>\n

\u00bb C\u00e1ch x\u1eed l\u00fd khi b\u1ecb tai n\u1ea1n giao th\u00f4ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Ca\u0301ch x\u01b0\u0309 ly\u0301 C\u00e1c t\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, xe m\u00e1y. \u0110\u00f4\u0301i v\u01a1\u0301i ng\u01b0\u01a1\u0300i mua ba\u0309o hi\u00ea\u0309m xe c\u01a1 gi\u01a1\u0301i ba\u0301o g\u00f4\u0300m ba\u0309o hi\u00ea\u0309m tra\u0301ch nhi\u00ea\u0323m d\u00e2n s\u01b0\u0323 b\u0103\u0301t bu\u00f4\u0323c, ba\u0309o hi\u00ea\u0309m t\u01b0\u0323 nguy\u00ea\u0323n, Khi x\u00e2\u0309y ra ru\u0309i do th\u01b0\u01a1\u0300ng \u0111\u01b0\u01a1\u0323c ca\u0301c ha\u0303ng ba\u0309o hi\u00ea\u0309m h\u01b0\u01a1\u0301ng d\u00e2\u0303n x\u01b0\u0309 ly\u0301. Tuy nhi\u00ean […]<\/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\/44831"}],"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=44831"}],"version-history":[{"count":55,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/44831\/revisions"}],"predecessor-version":[{"id":45120,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/44831\/revisions\/45120"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=44831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=44831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=44831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}