{"id":22632,"date":"2023-11-06T14:46:15","date_gmt":"2023-11-06T07:46:15","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=22632"},"modified":"2023-11-15T09:48:04","modified_gmt":"2023-11-15T02:48:04","slug":"bao-hiem-trach-nhiem-dan-su-co-bat-buoc-khong","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/bao-hiem-trach-nhiem-dan-su-co-bat-buoc-khong\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?"},"content":{"rendered":"\n\n
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\n \u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n <\/div>\n <\/div>\n

H\u1ea7u h\u1ebft c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 t\u00f9y \u00fd, nh\u01b0ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/a> xe c\u01a1 gi\u1edbi l\u00e0 b\u1eaft bu\u1ed9c, b\u1edfi v\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch an sinh x\u00e3 h\u1ed9i c\u1ee7a Nh\u00e0 n\u01b0\u1edbc nh\u1eb1m b\u1ea3o v\u1ec7 n\u1ea1n nh\u00e2n trong c\u00e1c tai n\u1ea1n giao th\u00f4ng do xe c\u01a1 gi\u1edbi g\u00e2y ra v\u00e0 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch t\u00e0i ch\u00ednh c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro kh\u00f4ng mong \u0111\u1ee3i.<\/p>\n

Theo Ngh\u1ecb \u0111\u1ecbnh S\u1ed1 03\/2021\/N\u0110-CP v\u1ec1 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c c\u1ee7a xe c\u01a1 gi\u1edbi, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/3\/2021, xe c\u01a1 gi\u1edbi bao g\u1ed3m:<\/p>\n

    \n
  1. Ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u01a1 gi\u1edbi \u0111\u01b0\u1eddng b\u1ed9:<\/strong> Xe \u00f4 t\u00f4, m\u00e1y k\u00e9o, r\u01a1 mo\u00f3c ho\u1eb7c s\u01a1 mi r\u01a1 mo\u00f3c \u0111\u01b0\u1ee3c k\u00e9o b\u1edfi hai lo\u1ea1i ph\u01b0\u01a1ng ti\u1ec7n n\u00e0y. Xe m\u00f4 t\u00f4 hai b\u00e1nh, ba b\u00e1nh; xe g\u1eafn m\u00e1y (bao g\u1ed3m c\u1ea3 xe m\u00e1y \u0111i\u1ec7n) v\u00e0 c\u00e1c lo\u1ea1i xe c\u00f3 c\u1ea5u tr\u00fac t\u01b0\u01a1ng t\u1ef1 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9.<\/li>\n
  2. Xe m\u00e1y chuy\u00ean d\u00f9ng:<\/strong> Xe m\u00e1y thi c\u00f4ng, 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 cho m\u1ee5c \u0111\u00edch qu\u1ed1c ph\u00f2ng, an ninh theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9.<\/li>\n<\/ol>\n

    Theo \u0110i\u1ec1u 5 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh S\u1ed1 03\/2021\/N\u0110-CP, ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m bao g\u1ed3m:<\/p>\n

      \n
    1. Thi\u1ec7t h\u1ea1i v\u01b0\u1ee3t 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 b\u00ean th\u1ee9 ba do xe c\u01a1 gi\u1edbi g\u00e2y ra.<\/li>\n
    2. Thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 t\u00ednh m\u1ea1ng c\u1ee7a h\u00e0nh kh\u00e1ch do xe c\u01a1 gi\u1edbi g\u00e2y ra.<\/li>\n<\/ol>\n

      B\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac theo th\u1eddi h\u1ea1n ghi tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. Trong th\u1eddi h\u1ea1n c\u00f2n hi\u1ec7u l\u1ef1c ghi tr\u00ean Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, n\u1ebfu c\u00f3 s\u1ef1 chuy\u1ec3n quy\u1ec1n s\u1edf h\u1eefu xe c\u01a1 gi\u1edbi, t\u1ea5t c\u1ea3 c\u00e1c quy\u1ec1n b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi tr\u01b0\u1edbc \u0111\u00e2y v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c \u0111\u1ed1i v\u1edbi ch\u1ee7 xe c\u01a1 gi\u1edbi m\u1edbi. Th\u1eddi h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ghi tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m nh\u01b0 sau:<\/p>\n

        \n
      1. \u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y, xe m\u00f4 t\u00f4 hai ho\u1eb7c ba b\u00e1nh, th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u l\u00e0 1 n\u0103m v\u00e0 t\u1ed1i \u0111a l\u00e0 3 n\u0103m.<\/li>\n
      2. \u0110\u1ed1i v\u1edbi c\u00e1c xe c\u01a1 gi\u1edbi kh\u00e1c, th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u l\u00e0 1 n\u0103m v\u00e0 th\u1eddi h\u1ea1n t\u1ed1i \u0111a t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi h\u1ea1n ki\u1ec3m \u0111\u1ecbnh an to\u00e0n k\u1ef9 thu\u1eadt v\u00e0 b\u1ea3o v\u1ec7 m\u00f4i tr\u01b0\u1eddng \u0111\u1ecbnh k\u1ef3 c\u00f3 th\u1eddi h\u1ea1n tr\u00ean 1 n\u0103m, theo quy \u0111\u1ecbnh.<\/li>\n<\/ol>\n

        Theo Th\u00f4ng t\u01b0 S\u1ed1 04\/2021\/TT-BTC h\u01b0\u1edbng d\u1eabn Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP, c\u00e1c chi ph\u00ed c\u1ee7a m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea nh\u01b0 sau:<\/p>\n

          \n
        • Ph\u00ed b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe \u00f4 t\u00f4:<\/strong> T\u1eeb 400 ngh\u00ecn \u0111\u1ebfn 2 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi xe kh\u00f4ng kinh doanh v\u1eadn t\u1ea3i v\u00e0 t\u1eeb 700 ngh\u00ecn \u0111\u1ebfn 5 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i xe kinh doanh.<\/li>\n
        • B\u1ea3o hi\u1ec3m xe m\u00e1y:<\/strong> Bi\u1ebfn \u0111\u1ed9ng t\u1eeb 50 ngh\u00ecn \u0111\u1ebfn 300 ngh\u00ecn \u0111\u1ed3ng t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i xe.<\/li>\n<\/ul>\n

          S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong><\/h2>\n
          \"Ph\u00e2n
          Ph\u00e2n bi\u1ec7t quy\u1ec1n l\u1ee3i gi\u1eefa 2 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u00f4 t\u00f4<\/figcaption><\/figure>\n
          \n

          B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 hai lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau, c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n sau:<\/p>\n

          M\u1ee5c \u0111\u00edch<\/strong><\/p>\n

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          • B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1eb1m b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 xe, bao g\u1ed3m xe v\u00e0 c\u00e1c v\u1eadt d\u1ee5ng tr\u00ean xe, trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb tai n\u1ea1n, tr\u1ed9m c\u1eafp, ch\u00e1y n\u1ed5,…<\/li>\n
          • B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1eb1m b\u1ea3o v\u1ec7 tr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 xe \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba, bao g\u1ed3m ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd, trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n giao th\u00f4ng.<\/li>\n<\/ul>\n

            Ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/strong><\/p>\n

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            • B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng b\u1ea3o hi\u1ec3m cho c\u00e1c r\u1ee7i ro sau:\n
                \n
              • Thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3, t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe v\u00e0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe<\/li>\n
              • Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a xe<\/li>\n
              • Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba<\/li>\n<\/ul>\n<\/li>\n
              • B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1ea3o hi\u1ec3m cho c\u00e1c r\u1ee7i ro sau:\n
                  \n
                • Thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3, t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba<\/li>\n
                • Thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi th\u1ee9 ba<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                  B\u1eaft bu\u1ed9c hay t\u1ef1 nguy\u1ec7n<\/strong><\/p>\n

                    \n
                  • B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c ch\u1ee7 xe c\u01a1 gi\u1edbi, theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/li>\n
                  • B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, ch\u1ee7 xe c\u00f3 th\u1ec3 tham gia ho\u1eb7c kh\u00f4ng tham gia t\u00f9y theo nhu c\u1ea7u.<\/li>\n<\/ul>\n

                    M\u1ee9c ph\u00ed<\/strong><\/p>\n

                      \n
                    • M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1, bao g\u1ed3m lo\u1ea1i xe, gi\u00e1 tr\u1ecb xe, ni\u00ean h\u1ea1n s\u1eed d\u1ee5ng,…<\/li>\n
                    • M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 b\u1edfi B\u1ed9 T\u00e0i ch\u00ednh, \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i xe.<\/li>\n<\/ul>\n

                      Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/strong><\/p>\n

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                      • Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng th\u01b0\u1eddng l\u00e0 1 n\u0103m.<\/li>\n
                      • Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 th\u01b0\u1eddng l\u00e0 1 n\u0103m.<\/li>\n<\/ul>\n

                        C\u00e1ch th\u1ee9c b\u1ed3i th\u01b0\u1eddng<\/strong><\/p>\n

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                        • Khi x\u1ea3y ra tai n\u1ea1n, ch\u1ee7 xe c\u1ea7n th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng.<\/li>\n
                        • C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ti\u1ebfn h\u00e0nh x\u00e1c minh thi\u1ec7t h\u1ea1i v\u00e0 chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe ho\u1eb7c ng\u01b0\u1eddi th\u1ee9 ba theo quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/li>\n<\/ul>\n

                          B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 hai lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng d\u00e0nh cho ch\u1ee7 xe. B\u1ea3o hi\u1ec3m xe th\u00f4ng th\u01b0\u1eddng gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a ch\u1ee7 xe, c\u00f2n b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 gi\u00fap b\u1ea3o v\u1ec7 tr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u1ee7 xe \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

                          Hầu hết các loại bảo hiểm này là tùy ý, nhưng bảo hiểm trách nhiệm dân sự xe cơ giới là bắt buộc, bởi vì đó là một chính sách an sinh xã hội của Nhà nước nhằm bảo vệ nạn nhân trong các tai nạn giao thông do xe cơ giới gây ra và […]<\/p>\n","protected":false},"author":17,"featured_media":23063,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1223],"tags":[],"class_list":{"0":"post-22632","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bao-hiem"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/22632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=22632"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/22632\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/23063"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=22632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=22632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=22632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}