{"id":45435,"date":"2026-08-01T17:02:10","date_gmt":"2026-08-01T10:02:10","guid":{"rendered":"https:\/\/luatsubaoho.com\/phapluat\/?p=45435"},"modified":"2026-08-01T17:22:32","modified_gmt":"2026-08-01T10:22:32","slug":"doi-bao-hiem-khi-bi-tai-nan-giao-thong-de-hon-ban-tuong","status":"publish","type":"post","link":"https:\/\/luatsubaoho.com\/phapluat\/doi-bao-hiem-khi-bi-tai-nan-giao-thong-de-hon-ban-tuong\/","title":{"rendered":"\u0110\u00f2i b\u1ea3o hi\u1ec3m khi b\u1ecb tai n\u1ea1n giao th\u00f4ng d\u1ec5 h\u01a1n b\u1ea1n t\u01b0\u1edfng"},"content":{"rendered":"\n<p style=\"text-align: justify;\">Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, xe m\u00e1y ch\u1ec9 \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 CSGT v\u00ec ngh\u0129 r\u1eb1ng \u0111\u00f2i b\u1ea3o hi\u1ec3m kh\u00f3. Do kh\u00f4ng t\u00ecm hi\u1ec3u \u0111\u1ebfn l\u00fac tai n\u1ea1n giao th\u00f4ng th\u00ec kh\u00f4ng bi\u1ebft l\u00e0m nh\u01b0 th\u1ebf n\u00e0o, th\u1ea5y kh\u00f3. N\u1ebfu b\u1ea1n t\u00ecm hi\u1ec3u th\u00ec \u0111\u00f2i b\u1ea3o hi\u1ec3m l\u00e0 kh\u00f4ng kh\u00f3. Sau \u0111\u00e2y l\u00e0 c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 tham kh\u1ea3o:<\/p>\n<h2 style=\"text-align: justify;\"><strong>\u0110\u00f2i b\u1ea3o hi\u1ec3m khi b\u1ecb tai n\u1ea1n giao th\u00f4ng <\/strong><\/h2>\n<h3 style=\"text-align: justify;\">\n<strong>1. M\u1ee9c mua b\u1ea3o hi\u1ec3m <\/strong><strong>tnds\u00a0<\/strong><strong>b\u1eaft bu\u1ed9c<\/strong>\n<\/h3>\n<p style=\"text-align: justify;\">M\u1ee9c mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 h\u01a1i b\u1ecb to so v\u1edbi 66k b\u1ea3o hi\u1ec3m xe m\u00e1y, 480k b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.<\/p>\n<p style=\"text-align: justify;\">\u2013 B\u1ed3i th\u01b0\u1eddng v\u1ec1 ng\u01b0\u1eddi: 150 tri\u1ec7u\/ng\u01b0\u1eddi\/v\u1ee5 (kh\u00f4ng gi\u1edbi h\u1ea1n s\u1ed1 ng\u01b0\u1eddi)<\/p>\n<p style=\"text-align: justify;\">\u2013 B\u1ed3i th\u01b0\u1eddng v\u1ec1 t\u00e0i s\u1ea3n: \u00d4 t\u00f4 100 tri\u1ec7u\/v\u1ee5; Xe m\u00e1y 50tri\u1ec7u\/v\u1ee5 (kh\u00f4ng gi\u1edbi h\u1ea1n s\u1ed1 v\u1ee5)<\/p>\n<h3 style=\"text-align: justify;\"><strong>2. B\u1ed1n b\u01b0\u1edbc \u0111\u00f2i ti\u1ec1n b\u1ea3o hi\u1ec3m <\/strong><\/h3>\n<h4 style=\"text-align: justify;\"><strong>B\u01b0\u1edbc 1: G\u1ecdi ngay cho b\u1ea3o hi\u1ec3m<\/strong><\/h4>\n<p style=\"text-align: justify;\">M\u1edf gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m ra, g\u1ecdi hotline ngay l\u00fac tai n\u1ea1n. Y\u00eau c\u1ea7u h\u1ecd c\u1eed ng\u01b0\u1eddi ra hi\u1ec7n tr\u01b0\u1eddng. Nh\u1edb ghi \u00e2m l\u1ea1i, kh\u00f4ng \u0111\u1ebfn l\u00e0 l\u1ed7i c\u1ee7a \u00f4ng.<\/p>\n<h4 style=\"text-align: justify;\"><strong>B\u01b0\u1edbc 2: Gi\u00e1m \u0111\u1ecbnh thi\u1ec7t h\u1ea1i<\/strong><\/h4>\n<p style=\"text-align: justify;\">Gi\u00e1m \u0111\u1ecbnh thi\u1ec7t h\u1ea1i B\u1ea3o hi\u1ec3m + b\u1ea1n + b\u00ean th\u1ee9 3 c\u00f9ng ch\u1ed1t thi\u1ec7t h\u1ea1i. \u0110\u1eebng t\u1ef1 \u00fd th\u1ecfa thu\u1eadn \u0111\u01b0a ti\u1ec1n b\u00ean kia \u0111i m\u1ea5t r\u1ed3i m\u1edbi b\u00e1o b\u1ea3o hi\u1ec3m th\u00ec gi\u1eddi \u0111\u00f2i \u0111\u1ea5y<\/p>\n<h4><strong>B\u01b0\u1edbc 3: Chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1<\/strong><\/h4>\n<p style=\"text-align: justify;\">Th\u00f4ng b\u00e1o tai n\u1ea1n, h\u00f3a \u0111\u01a1n s\u1eeda ch\u1eefa (n\u1ebfu c\u00f3), gi\u1ea5y ra vi\u1ec7n, th\u1ecfa thu\u1eadn \u0111\u1ec1n b\u00f9.<\/p>\n<p style=\"text-align: justify;\"><em>L\u01b0u \u00fd:<\/em> H\u00f3a \u0111\u01a1n l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c, n\u1ebfu kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n th\u00ec k\u1ebft lu\u1eadn gi\u00e1m \u0111\u1ecbnh thi\u1ec7t h\u1ea1i (duy\u1ec7t gi\u00e1 c\u1ee7a BH) ch\u00ednh l\u00e0 b\u1eb1ng ch\u1ee9ng thi\u1ec7t h\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u00e3 x\u00e1c nh\u1eadn.<\/p>\n<p style=\"text-align: justify;\">Xe h\u00fac qu\u00e8 tr\u00e2u th\u00ec l\u1ea5y \u0111\u00e2u ra h\u00f3a \u0111\u01a1n s\u1eeda tr\u00e2u cho b\u1ea3o hi\u1ec3m. D\u0129 nhi\u00ean kh\u00f4ng c\u00f3 h\u00f3a \u0111\u01a1n v\u1eabn ph\u1ea3i \u0111\u1ec1n theo gi\u00e1 c\u00f3 VAT.<\/p>\n<h4 style=\"text-align: justify;\"><strong>B\u01b0\u1edbc 4: Nh\u1eadn ti\u1ec1n <\/strong><\/h4>\n<p style=\"text-align: justify;\">B\u1ea1n \u0111\u1ec1n cho b\u00ean th\u1ee9 3 tr\u01b0\u1edbc, b\u1ea3o hi\u1ec3m ho\u00e0n l\u1ea1i cho b\u1ea1n sau. N\u1ebfu v\u00e0o garage h\u1ee3p t\u00e1c th\u00ec b\u1ea3o hi\u1ec3m b\u1ea3o l\u00e3nh lu\u00f4n<\/p>\n<h4 style=\"text-align: justify;\"><strong>C\u00e1c l\u01b0u \u00fd: <\/strong><\/h4>\n<p style=\"text-align: justify;\">\u2013 B\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f2i HSCA (tr\u1eeb khi c\u00f3 ng\u01b0\u1eddi ch\u1ebft). B\u1ea3o hi\u1ec3m ph\u1ea3i t\u1ef1 l\u1eadp h\u1ed3 s\u01a1 (ch\u00ednh l\u00e0 tr\u00e1ch nhi\u1ec7m gi\u00e1m \u0111\u1ecbnh \u0111\u1ea5y)<\/p>\n<p style=\"text-align: justify;\">\u2013 Ph\u1ea3i b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n cho B\u1ea3o hi\u1ec3m trong 5 ng\u00e0y. Qu\u00ean th\u00ec ch\u1ec9 b\u1ecb tr\u1eeb 5% ti\u1ec1n \u0111\u1ec1n b\u00f9 t\u00e0i s\u1ea3n th\u00f4i, kh\u00f4ng m\u1ea5t tr\u1eafng \u0111\u00e2u<\/p>\n<p style=\"text-align: justify;\">\u2013 K\u1ec3 c\u1ea3 xe kh\u00f4ng c\u00f3 B\u1ea3o hi\u1ec3m, ho\u1eb7c kh\u00f4ng bi\u1ebft \u00f4ng n\u00e0o g\u00e2y TNGT n\u1ea1n nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c Qu\u1ef9 b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi h\u1ed7 tr\u1ee3 15-45 tri\u1ec7u.<\/p>\n<p style=\"text-align: justify;\">\u00bb\u00a0<a title=\"C\u00e1ch x\u1eed l\u00fd khi b\u1ecb tai n\u1ea1n giao th\u00f4ng\" href=\"https:\/\/luatsubaoho.com\/phapluat\/cach-xu-ly-khi-bi-tai-nan-giao-thong\/\" rel=\"bookmark\">C\u00e1ch x\u1eed l\u00fd khi b\u1ecb tai n\u1ea1n giao th\u00f4ng<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, xe m\u00e1y ch\u1ec9 \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 CSGT v\u00ec ngh\u0129 r\u1eb1ng \u0111\u00f2i b\u1ea3o hi\u1ec3m kh\u00f3. Do kh\u00f4ng t\u00ecm hi\u1ec3u \u0111\u1ebfn l\u00fac tai n\u1ea1n giao th\u00f4ng th\u00ec kh\u00f4ng bi\u1ebft l\u00e0m nh\u01b0 th\u1ebf n\u00e0o, th\u1ea5y kh\u00f3. N\u1ebfu b\u1ea1n t\u00ecm hi\u1ec3u th\u00ec \u0111\u00f2i b\u1ea3o hi\u1ec3m l\u00e0 kh\u00f4ng kh\u00f3. Sau \u0111\u00e2y l\u00e0 c\u00e1c [&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\/45435"}],"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=45435"}],"version-history":[{"count":10,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/45435\/revisions"}],"predecessor-version":[{"id":45450,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/posts\/45435\/revisions\/45450"}],"wp:attachment":[{"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/media?parent=45435"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/categories?post=45435"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/luatsubaoho.com\/phapluat\/wp-json\/wp\/v2\/tags?post=45435"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}