{"id":24060,"date":"2020-05-22T13:13:36","date_gmt":"2020-05-22T06:13:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=24060"},"modified":"2022-05-31T13:15:37","modified_gmt":"2022-05-31T06:15:37","slug":"2-528-kho-nhan-duoc-boi-thuong-tu-bao-hiem-xe-may","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-528-kho-nhan-duoc-boi-thuong-tu-bao-hiem-xe-may\/","title":{"rendered":"2.528. Kh\u00f3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m xe m\u00e1y"},"content":{"rendered":"(MTG) – B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c v\u1edbi xe c\u01a1 gi\u1edbi \u0111\u01b0\u1ee3c cho l\u00e0 s\u1ebd \u0111em l\u1ea1i nhi\u1ec1u quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi tham gia giao th\u00f4ng. Tuy nhi\u00ean, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng kh\u00f3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y v\u00ec kh\u00f4ng ch\u1ec9 th\u1ee7 t\u1ee5c, \u0111i\u1ec1u ki\u1ec7n ph\u1ee9c t\u1ea1p m\u00e0 \u0111a s\u1ed1 ng\u01b0\u1eddi d\u00e2n v\u1eabn ch\u01b0a hi\u1ec3u v\u00e0 \u0111\u1ec3 \u00fd nhi\u1ec1u v\u1ec1 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng n\u00e0y.<\/strong><\/p>\n

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Ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m cho r\u1eb1ng kh\u00f3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c v\u1edbi xe c\u01a1 gi\u1edbi – \u1ea2nh: T.N<\/em><\/p>\n

Ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m “n\u1ea3n l\u00f2ng” v\u00ec ch\u00ednh s\u00e1ch b\u1ed3i th\u01b0\u1eddng<\/strong><\/p>\n

B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi (b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c) \u0111\u01b0\u1ee3c xem l\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft \u0111\u1ec3 tr\u00e1nh b\u1ecb c\u1ea3nh s\u00e1t giao th\u00f4ng x\u1eed ph\u1ea1t. V\u00ec v\u1eady, b\u1ea5t k\u1ef3 ai tham gia giao th\u00f4ng c\u0169ng ph\u1ea3i c\u00f3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, tuy nhi\u00ean m\u1ed9t th\u1ef1c t\u1ebf hi\u1ec7n nay l\u00e0 ng\u01b0\u1eddi d\u00e2n ch\u1ec9 \u0111em theo lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u1ec3 “ch\u1ed1ng ch\u1ebf” c\u1ea3nh s\u00e1t giao th\u00f4ng, ch\u1ee9 ch\u01b0a th\u1ef1c s\u1ef1 hi\u1ec3u v\u1ec1 vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng th\u1ebf n\u00e0o.<\/p>\n

H\u01a1n th\u1ebf n\u1eefa, ch\u00ednh v\u00ec kh\u00f4ng hi\u1ec3u, n\u00ean c\u00f2n kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn gi\u1eefa b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 ch\u1ee7 xe c\u01a1 gi\u1edbi v\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe (b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n). \u0110\u00f3 l\u00e0 l\u00fd do v\u00ec sao c\u00f3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 ch\u1ee7 xe c\u01a1 gi\u1edbi v\u1edbi gi\u00e1 20.000 \u0111\u1ed3ng.<\/p>\n

V\u1edbi b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, theo \u0110i\u1ec1u 9 Ngh\u1ecb \u0111\u1ecbnh 22\/2016\/TT-BTC, s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi do xe c\u01a1 gi\u1edbi g\u00e2y ra l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng\/1 ng\u01b0\u1eddi\/1 v\u1ee5 tai n\u1ea1n. \u0110\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n do xe m\u00f4 t\u00f4 hai b\u00e1nh, xe m\u00f4 t\u00f4 ba b\u00e1nh, xe g\u1eafn m\u00e1y v\u00e0 c\u00e1c lo\u1ea1i xe c\u01a1 gi\u1edbi t\u01b0\u01a1ng t\u1ef1 (k\u1ec3 c\u1ea3 xe c\u01a1 gi\u1edbi d\u00f9ng cho ng\u01b0\u1eddi t\u00e0n t\u1eadt) g\u00e2y ra l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng\/1 v\u1ee5 tai n\u1ea1n. Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng trong v\u00f2ng 15 ng\u00e0y k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c h\u1ed3 s\u01a1 c\u1ee7a ch\u1ee7 xe.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c b\u1ed3i th\u01b0\u1eddng c\u0169ng t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng tr\u01b0\u1eddng h\u1ee3p. Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p: H\u00e0nh \u0111\u1ed9ng c\u1ed1 \u00fd g\u00e2y thi\u1ec7t h\u1ea1i c\u1ee7a ch\u1ee7 xe, l\u00e1i xe, ho\u1eb7c c\u1ee7a ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i; 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, l\u00e1i xe c\u01a1 gi\u1edbi; L\u00e1i xe kh\u00f4ng c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe ho\u1eb7c Gi\u1ea5y ph\u00e9p l\u00e1i xe kh\u00f4ng ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi lo\u1ea1i xe c\u01a1 gi\u1edbi b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 Gi\u1ea5y ph\u00e9p l\u00e1i xe; Thi\u1ec7t h\u1ea1i g\u00e2y ra h\u1eadu qu\u1ea3 gi\u00e1n ti\u1ebfp nh\u01b0: 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; 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; Chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1, \u0111\u1ed9ng \u0111\u1ea5t; 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, ti\u1ec1n, 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

V\u1edbi b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c th\u00ec t\u1ea5t c\u1ea3 thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3 c\u1ee7a b\u00ean th\u1ee9 3 \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng d\u00f9 n\u1ea1n nh\u00e2n c\u00f3 l\u1ed7i hay kh\u00f4ng. C\u00f2n b\u00ean g\u00e2y tai n\u1ea1n b\u1ecb thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n

\u0110\u00e1ng n\u00f3i, \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, ng\u01b0\u1eddi d\u00e2n c\u0169ng chu\u1ea9n b\u1ecb h\u00e0ng lo\u1ea1t y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c nh\u01b0: M\u1eabu \u0111\u01a1n y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ho\u00e0n ch\u1ec9nh, c\u00f3 ch\u1eef k\u00fd h\u1ee3p l\u1ec7; c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf g\u1ed1c c\u00f9ng v\u1edbi chi ti\u1ebft v\u1ec1 c\u00e1c chi ph\u00ed y t\u1ebf ph\u00e1t sinh; c\u00e1c gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf li\u00ean quan t\u1edbi vi\u1ec7c \u0111i\u1ec1u tr\u1ecb\/nh\u1eadp vi\u1ec7n; bi\u00ean b\u1ea3n b\u00e1o c\u00e1o ch\u00ednh th\u1ee9c v\u1ec1 v\u1ee5 tai n\u1ea1n, t\u1ee9c l\u00e0 bi\u00ean b\u1ea3n tai n\u1ea1n, bi\u00ean b\u1ea3n c\u1ee7a c\u1ea3nh s\u00e1t c\u00f3 x\u00e1c nh\u1eadn c\u1ee7a c\u1ea3nh s\u00e1t, tr\u1ea1m c\u1ea3nh s\u00e1t ho\u1eb7c c\u01a1 quan ch\u1ee9c tr\u00e1ch \u0111\u1ecba ph\u01b0\u01a1ng c\u00f3 li\u00ean quan t\u1ea1i hi\u1ec7n tr\u01b0\u1eddng v\u1ee5 tai n\u1ea1n; b\u1ea3n sao gi\u1ea5y ch\u1ee9ng t\u1eed (n\u1ebfu khi\u1ebfu n\u1ea1i li\u00ean quan t\u1edbi b\u1ea5t k\u1ef3 th\u01b0\u01a1ng vong n\u00e0o); ch\u1ee9ng t\u1eeb ch\u1ee9ng minh m\u1ed1i quan h\u1ec7 c\u1ee7a b\u00ean th\u1ee5 h\u01b0\u1edfng\/x\u00e1c nh\u1eadn quy\u1ec1n th\u1eeba k\u1ebf h\u1ee3p ph\u00e1p (n\u1ebfu khi\u1ebfu n\u1ea1i li\u00ean quan t\u1edbi b\u1ea5t k\u1ef3 th\u01b0\u01a1ng vong n\u00e0o).<\/p>\n

Trong \u0111\u00f3, m\u1ee5c bi\u00ean b\u1ea3n b\u00e1o c\u00e1o ch\u00ednh th\u1ee9c v\u1ec1 v\u1ee5 tai n\u1ea1n \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00f3 kh\u0103n nh\u1ea5t khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m n\u1ea3n l\u00f2ng, t\u1eeb b\u1ecf y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1ea3o hi\u1ec3m. Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c –\u00a0Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI\u00a0<\/em>cho bi\u1ebft khi tai n\u1ea1n x\u1ea3y ra, vi\u1ec7c ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n ho\u1eb7c t\u1ef7 l\u1ec7 chi tr\u1ea3 th\u1ea5p.<\/p>\n

Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m: Thu nhi\u1ec1u, chi \u00edt<\/strong><\/p>\n

Trong khi \u0111\u00f3, doanh thu h\u00e0ng n\u0103m t\u1eeb l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi (\u00f4t\u00f4, xe m\u00e1y\u2026) l\u1ea1i r\u1ea5t l\u1edbn. B\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi \u0111ang l\u00e0 ngu\u1ed3n thu l\u1edbn nh\u1ea5t, m\u1ed7i n\u0103m mang v\u1ec1 h\u00e0ng tr\u0103m cho t\u1edbi h\u00e0ng ngh\u00ecn t\u1ec9 \u0111\u1ed3ng doanh thu.<\/p>\n

L\u1ea5y v\u00ed d\u1ee5, T\u1ed5ng c\u00f4ng ty C\u1ed5 ph\u1ea7n B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n (PTI) \u0111\u01b0\u1ee3c xem l\u00e0 doanh nghi\u1ec7p c\u00f3 doanh s\u1ed1 b\u00e1n b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi thu\u1ed9c h\u00e0ng l\u1edbn nh\u1ea5t th\u1ecb tr\u01b0\u1eddng. N\u0103m 2019, doanh thu thu\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi t\u1ea1i PTI l\u00ean t\u1edbi 2.202 t\u1ec9 \u0111\u1ed3ng. T\u00ednh b\u00ecnh qu\u00e2n, m\u1ed7i ng\u00e0y trong, \u0111\u01a1n v\u1ecb n\u00e0y b\u00e1n \u0111\u01b0\u1ee3c h\u01a1n 6 t\u1ec9 ti\u1ec1n b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi.<\/p>\n

Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam (IAV) cho bi\u1ebft n\u0103m 2019 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 chi tr\u1ea3 b\u1ea3o hi\u1ec3m kho\u1ea3ng 44.000 t\u1ec9 \u0111\u1ed3ng, trong \u0111\u00f3 c\u00f3 kho\u1ea3ng 50% l\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. Tuy nhi\u00ean, con s\u1ed1 chi tr\u1ea3 cho b\u1ea3o hi\u1ec3m m\u00f4 t\u00f4, xe m\u00e1y l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1.<\/p>\n

Trong khi \u0111\u00f3, Qu\u1ef9 B\u1ea3o hi\u1ec3m Xe c\u01a1 gi\u1edbi do c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd kinh doanh b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u00f3ng g\u00f3p h\u00e0ng n\u0103m nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u1ec1 ph\u00f2ng, h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t tai n\u1ea1n giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9, h\u1ed7 tr\u1ee3 nh\u00e2n \u0111\u1ea1o, tuy\u00ean truy\u1ec1n v\u1ec1 gi\u00e1o d\u1ee5c an to\u00e0n giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9…<\/p>\n

X\u00e9t v\u1ec1 b\u1ea3n ch\u1ea5t, ngu\u1ed3n qu\u1ef9 n\u00e0y l\u00e0 t\u1eeb ti\u1ec1n ph\u00ed c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m n\u1ed9p v\u00e0o. Tuy nhi\u00ean, h\u1ecd l\u1ea1i kh\u00f4ng h\u1ec1 bi\u1ebft kho\u1ea3n ti\u1ec1n n\u00e0y \u0111i v\u1ec1 \u0111\u00e2u. Do v\u1eady, v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra ch\u00ednh l\u00e0 t\u00ednh minh b\u1ea1ch. Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng B\u1ed9 T\u00e0i ch\u00ednh c\u1ea7n minh b\u1ea1ch cho ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c bi\u1ebft v\u1ec1 qu\u1ef9 n\u00e0y ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1eebng \u1edf vi\u1ec7c chia s\u1ebb th\u00f4ng tin \u1edf c\u1ea5p n\u1ed9i b\u1ed9.<\/p>\n

Tuy\u1ebft Nhung<\/strong><\/p>\n

\u2014\u2014\u2014\u2014<\/strong><\/p>\n

M\u1ed9t th\u1ec3 gi\u1edbi (Kinh t\u1ebf) 22-5-2020:<\/em><\/strong><\/p>\n

https:\/\/motthegioi.vn\/print\/138512.html<\/em><\/a><\/p>\n

(42\/1.179)<\/em>","protected":false},"excerpt":{"rendered":"

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