{"id":36239,"date":"2023-03-11T10:00:13","date_gmt":"2023-03-11T03:00:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36239"},"modified":"2024-11-29T16:12:16","modified_gmt":"2024-11-29T09:12:16","slug":"3-993-bao-hiem-xe-may-giu-hay-bo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-993-bao-hiem-xe-may-giu-hay-bo\/","title":{"rendered":"3.993. B\u1ea3o hi\u1ec3m xe m\u00e1y, gi\u1eef hay b\u1ecf?"},"content":{"rendered":"

B\u1ea3o hi\u1ec3m xe m\u00e1y, gi\u1eef hay b\u1ecf?<\/span><\/h4>\n
(<\/strong>PN<\/strong>)<\/strong> – Theo C\u1ee5c Qu\u1ea3n l\u00fd, Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), hi\u1ec7n nay, xe m\u00e1y v\u1eabn l\u00e0 ngu\u1ed3n ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i c\u01a1 gi\u1edbi ch\u1ee7 y\u1ebfu v\u00e0 l\u00e0 ngu\u1ed3n g\u00e2y tai n\u1ea1n giao th\u00f4ng l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam, chi\u1ebfm 63,48% nguy\u00ean nh\u00e2n g\u00e2y ra tai n\u1ea1n.<\/strong><\/h5>\n

B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi xe m\u00e1y \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u1edf Vi\u1ec7t Nam h\u01a1n 30 n\u0103m qua, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9. Tuy nhi\u00ean nhi\u1ec1u ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m xe m\u00e1y cho r\u1eb1ng r\u1ea5t kh\u00f3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi c\u00f3 tai n\u1ea1n, vi\u1ec7c mua b\u1ea3o hi\u1ec3m xe m\u00e1y l\u00e0 \u0111\u1ec3 kh\u1ecfi b\u1ecb c\u1ea3nh s\u00e1t giao th\u00f4ng ph\u1ea1t.<\/p>\n

Ch\u01b0a tuy\u00ean truy\u1ec1n, h\u01b0\u1edbng d\u1eabn th\u1ea5u \u0111\u00e1o\u00a0<\/strong><\/h5>\n

\u0110\u1ea7u n\u0103m 2023, \u0111o\u00e0n \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i nhi\u1ec1u t\u1ec9nh, th\u00e0nh \u0111\u00e3 thay m\u1eb7t c\u1eed tri ki\u1ebfn ngh\u1ecb b\u1ecf quy \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi xe m\u00e1y do kh\u00f4ng \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia. R\u00f5 nh\u1ea5t l\u00e0 khi b\u1ecb tai n\u1ea1n, ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec1u lo \u0111i c\u1ea5p c\u1ee9u, kh\u00f4ng c\u00f3 th\u1eddi gian \u0111\u1ec3 g\u1ecdi cho c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1edd nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m \u0111\u1ebfn, lo c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd ch\u1ee9ng minh thi\u1ec7t h\u1ea1i theo y\u00eau c\u1ea7u\u2026 n\u00ean d\u00f9 \u0111\u00e3 mua b\u1ea3o hi\u1ec3m, \u00edt ng\u01b0\u1eddi \u0111\u01b0\u1ee3c thanh to\u00e1n.<\/p>\n

Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) c\u0169ng t\u1eebng n\u00eau ki\u1ebfn ngh\u1ecb t\u01b0\u01a1ng t\u1ef1, v\u1edbi l\u00fd do: t\u1ec9 l\u1ec7 chi tr\u1ea3 b\u1ea3o hi\u1ec3m xe m\u00e1y qu\u00e1 th\u1ea5p, ch\u1ec9 45 t\u1ec9 \u0111\u1ed3ng tr\u00ean t\u1ed5ng s\u1ed1 doanh thu 765 t\u1ec9 \u0111\u1ed3ng, t\u1ee9c ch\u01b0a t\u1edbi 6% t\u1ed5ng thu, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi t\u1ec9 l\u1ec7 chi tr\u1ea3 c\u1ee7a c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c kh\u00e1c nh\u01b0 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 (33%), b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 (31%).<\/p>\n

\"B\u1ea3o

Hoa h\u1ed3ng b\u00e1n b\u1ea3o hi\u1ec3m xe m\u00e1y cao n\u00ean r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi tham gia b\u00e1n lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y (trong \u1ea3nh: C\u00e1c \u0111i\u1ec3m b\u00e1n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c cho xe m\u00e1y tr\u00ean xa l\u1ed9 H\u00e0 N\u1ed9i, TPHCM) | \u1ea2nh: Qu\u1ed1c Th\u00e1i<\/p><\/div>\n

Ti\u1ebfn s\u0129 Tr\u1ea7n Nguy\u00ean \u0110\u00e1n – gi\u1ea3ng vi\u00ean b\u1ed9 m\u00f4n b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc Kinh t\u1ebf TPHCM – cho r\u1eb1ng, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi (trong \u0111\u00f3 c\u00f3 xe m\u00e1y) l\u00e0 c\u1ea7n thi\u1ebft, nh\u1eb1m b\u1ea3o v\u1ec7 cho ng\u01b0\u1eddi b\u1ecb n\u1ea1n ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ee7 xe. \u00d4ng n\u00eau v\u00ed d\u1ee5, nhi\u1ec1u gia \u0111\u00ecnh ch\u1ec9 c\u00f3 t\u00e0i s\u1ea3n l\u00e0 1 chi\u1ebfc xe m\u00e1y, ch\u1eb3ng may g\u00e2y ra tai n\u1ea1n, g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n, s\u1ee9c kh\u1ecfe v\u00e0 t\u00ednh m\u1ea1ng cho ng\u01b0\u1eddi kh\u00e1c m\u00e0 kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec1n b\u00f9 cho n\u1ea1n nh\u00e2n th\u00ec c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ee9ng ra \u0111\u1ec1n b\u00f9.<\/p>\n

Theo \u00f4ng, tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng \u00edt ng\u01b0\u1eddi l\u1ea1i hi\u1ec3u l\u1ea7m r\u1eb1ng, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra tai n\u1ea1n v\u00e0 h\u1ecd th\u1ea5t v\u1ecdng khi kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng. \u00d4ng c\u0169ng cho r\u1eb1ng, th\u1ee7 t\u1ee5c \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng, chi tr\u1ea3 c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u00f2n r\u01b0\u1eddm r\u00e0, g\u00e2y m\u1ea5t l\u00f2ng tin cho ng\u01b0\u1eddi tham gia.<\/p>\n

Lu\u1eadt s\u01b0 B\u00f9i Minh Ngh\u0129a (\u0110o\u00e0n Lu\u1eadt s\u01b0 TPHCM) cho r\u1eb1ng, kh\u00f4ng n\u00ean b\u1ecf lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, n\u1ebfu b\u1ecf th\u00ec n\u00ean b\u1ecf y\u1ebfu t\u1ed1 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi xe m\u00e1y. B\u1edfi l\u1ebd, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi v\u1eabn c\u00f3 nhu c\u1ea7u mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, c\u00f2n nh\u1eefng ai c\u1ea3m th\u1ea5y b\u1ea3n th\u00e2n c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u1ef1 b\u1ecf ti\u1ec1n ra b\u1ed3i th\u01b0\u1eddng khi c\u00f3 tai n\u1ea1n th\u00ec c\u00f3 th\u1ec3 kh\u00f4ng mua.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Kh\u1eafc Xu\u00e2n – Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 b\u1ea3o hi\u1ec3m Infair – kh\u00f4ng d\u1ec5 \u0111\u1ec3 b\u1ecf quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c mua b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1edfi mu\u1ed1n b\u1ecf th\u00ec ph\u1ea3i s\u1eeda Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, Lu\u1eadt Giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9, th\u1eadm ch\u00ed c\u1ea3 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1.<\/p>\n

\u00d4ng cho r\u1eb1ng, th\u1ee7 t\u1ee5c \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m xe m\u00e1y l\u00e0 \u0111\u01a1n gi\u1ea3n v\u00e0 d\u1ec5 d\u00e0ng nh\u1ea5t trong c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u01a1 quan qu\u1ea3n l\u00fd, hi\u1ec7p h\u1ed9i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ch\u01b0a l\u00e0m t\u1ed1t kh\u00e2u tuy\u00ean truy\u1ec1n, h\u01b0\u1edbng d\u1eabn. \u00d4ng n\u00eau v\u00ed d\u1ee5, c\u00f3 quy \u0111\u1ecbnh n\u1ea1n nh\u00e2n b\u1ecb thi\u1ec7t h\u1ea1i s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng do xe c\u01a1 gi\u1edbi g\u00e2y ra \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nh\u00e2n \u0111\u1ea1o 45 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/v\u1ee5 tai n\u1ea1n (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 30% m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m) t\u1eeb qu\u1ef9 b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi nh\u01b0ng h\u1ea7u nh\u01b0 \u00edt ai bi\u1ebft \u0111\u1ec3 h\u01b0\u1edfng ch\u00ednh s\u00e1ch n\u00e0y. Do \u0111\u00f3, vi\u1ec7c \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n b\u1ee9c x\u00fac v\u1ec1 quy\u1ec1n l\u1ee3i khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y l\u00e0 do l\u1ed7i c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd ch\u1ee9 kh\u00f4ng ph\u1ea3i do th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p, kh\u00f3 \u0111\u00f2i.<\/p>\n

C\u1ea7n c\u00f4ng khai c\u00e1ch th\u1ee9c, qu\u00e1 tr\u00ecnh chi tr\u1ea3\u00a0<\/strong><\/h5>\n

Theo ti\u1ebfn s\u0129 Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, c\u1ea7n c\u00f4ng khai c\u00e1ch th\u1ee9c chi tr\u1ea3 b\u1ea3o hi\u1ec3m xe m\u00e1y. \u0110\u1ebfn nay, ng\u01b0\u1eddi d\u00e2n v\u1eabn m\u1eb7c \u0111\u1ecbnh trong \u0111\u1ea7u r\u1eb1ng kh\u00f4ng d\u1ec5 \u0111\u00f2i \u0111\u01b0\u1ee3c ti\u1ec1n b\u1ea3o hi\u1ec3m xe m\u00e1y. Nh\u01b0ng n\u1ebfu ch\u1ec9 tuy\u00ean truy\u1ec1n m\u00e0 kh\u00f4ng ki\u1ec3m tra c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00ec c\u0169ng kh\u00f4ng hi\u1ec7u qu\u1ea3. C\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 l\u1eadp c\u1ed5ng th\u00f4ng tin chung, h\u01b0\u1edbng d\u1eabn ng\u01b0\u1eddi d\u00e2n mua, theo d\u00f5i t\u00ecnh h\u00ecnh chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng, gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i\u2026<\/p>\n

Theo \u00f4ng, th\u1eddi gian qua, c\u00f3 nh\u1eefng v\u1ee5 tai n\u1ea1n nh\u1ecf, gi\u00e1 tr\u1ecb b\u1ed3i th\u01b0\u1eddng th\u1ea5p, ch\u1ee7 xe g\u1ecdi cho nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m \u0111\u1ebfn hi\u1ec7n tr\u01b0\u1eddng ghi nh\u1eadn nh\u01b0ng c\u00e1c nh\u00e2n vi\u00ean n\u00e0y kh\u00f4ng \u0111\u1ee7 chuy\u00ean m\u00f4n, th\u1ea9m quy\u1ec1n \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh xe n\u00e0o c\u00f3 l\u1ed7i (g\u00e2y ra tai n\u1ea1n). Do \u0111\u00f3, khi l\u1eadp c\u1ed5ng th\u00f4ng tin v\u1ec1 chi tr\u1ea3 b\u1ea3o hi\u1ec3m, tr\u00ean c\u1ed5ng n\u00e0y ph\u1ea3i c\u00f3 nh\u1eefng nh\u00e2n vi\u00ean \u0111\u1ee7 th\u1ea9m quy\u1ec1n ho\u1eb7c c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p v\u1edbi c\u1ea3nh s\u00e1t giao th\u00f4ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c xe n\u00e0o c\u00f3 l\u1ed7i, \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m n\u00e0o ph\u1ea3i b\u1ed3i th\u01b0\u1eddng. \u00d4ng n\u00f3i: \u201cC\u00f3 nh\u01b0 v\u1eady ng\u01b0\u1eddi d\u00e2n m\u1edbi c\u00f3 ni\u1ec1m tin tham gia nhi\u1ec1u h\u01a1n, c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng d\u1ec5 d\u00e0ng n\u1eafm tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m\u201d.<\/p>\n

Theo \u00f4ng Nguy\u1ec5n Kh\u1eafc Xu\u00e2n, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m xe m\u00e1y cao nh\u01b0ng t\u1ed5ng m\u1ee9c chi tr\u1ea3 th\u1ea5p l\u00e0 do chi ph\u00ed cho vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m xe m\u00e1y chi\u1ebfm t\u1edbi 70% doanh thu ho\u1eb7c h\u01a1n; ph\u1ea7n l\u1edbn ph\u00ed b\u1ea3o hi\u1ec3m xe m\u00e1y chi cho k\u00eanh ph\u00e2n ph\u1ed1i m\u00e0 kh\u00f4ng t\u1edbi \u0111\u01b0\u1ee3c ng\u01b0\u1eddi tham gia. S\u1edf d\u0129 c\u00f3 t\u00ecnh tr\u1ea1ng n\u00e0y l\u00e0 do h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m c\u00f2n qu\u00e1 l\u1ea1c h\u1eadu. Thay v\u00ec \u0111\u1ec1 xu\u1ea5t b\u1ecf b\u1ea3o hi\u1ec3m xe m\u00e1y, c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n n\u00ean \u0111\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 vi\u1ec7c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m xe m\u00e1y \u0111\u01b0\u1ee3c thu\u1eadn ti\u1ec7n v\u00e0 chi ph\u00ed b\u00e1n b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n.<\/p>\n

Theo kh\u1ea3o s\u00e1t c\u1ee7a ch\u00fang t\u00f4i, hi\u1ec7n nay, ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi xe m\u00e1y c\u00f3 dung t\u00edch m\u00e1y tr\u00ean 50cc l\u00e0 66.000 \u0111\u1ed3ng\/n\u0103m, d\u01b0\u1edbi 50cc l\u00e0 55.000 \u0111\u1ed3ng\/n\u0103m. Khi ch\u00fang t\u00f4i n\u00f3i mu\u1ed1n mua c\u00e1c phi\u1ebfu b\u1ea3o hi\u1ec3m n\u00e0y v\u1ec1 b\u00e1n l\u1ea1i th\u00ec m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m cho bi\u1ebft: m\u1ee9c hoa h\u1ed3ng nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 t\u1eeb 44 – 64% m\u1ed7i phi\u1ebfu, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 26.400-42.240 \u0111\u1ed3ng; n\u1ebfu tham gia c\u00e1c \u1ee9ng d\u1ee5ng b\u00e1n b\u1ea3o hi\u1ec3m online r\u1ed3i gi\u1edbi thi\u1ec7u \u1ee9ng d\u1ee5ng n\u00e0y v\u1edbi ng\u01b0\u1eddi kh\u00e1c v\u00e0 ng\u01b0\u1eddi \u0111\u00f3 \u0111\u1ea1t doanh thu 10 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u00fang t\u00f4i s\u1ebd nh\u1eadn th\u00eam 10% hoa h\u1ed3ng gi\u00e1n ti\u1ebfp. Nh\u01b0 v\u1eady, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 nh\u1eadn m\u1ee9c ti\u1ec1n hoa h\u1ed3ng g\u1ea7n 45.000 \u0111\u1ed3ng tr\u00ean m\u1ed7i phi\u1ebfu b\u1ea3o hi\u1ec3m c\u00f3 gi\u00e1 66.000 \u0111\u1ed3ng.<\/p>\n

\u00d4ng Nguy\u1ec5n Kh\u1eafc Xu\u00e2n \u0111\u1ec1 xu\u1ea5t, n\u00ean b\u00e1n b\u1ea3o hi\u1ec3m \u0111i\u1ec7n t\u1eed th\u00f4ng qua c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0 nh\u1eafn tin r\u1ed3i tr\u1eeb c\u01b0\u1edbc \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c mua qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, s\u1ebd gi\u1ea3m m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m xu\u1ed1ng c\u00f2n 10.000-20.000 \u0111\u1ed3ng, gi\u1ea3m hoa h\u1ed3ng xu\u1ed1ng c\u00f2n 2.000-4.000 \u0111\u1ed3ng\/phi\u1ebfu b\u1ea3o hi\u1ec3m: \u201cNg\u01b0\u1eddi ta d\u1ec5 d\u00e0ng mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho \u00f4 t\u00f4 tr\u00ean c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed, t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u0111i\u1ec7n t\u1eed, t\u1ea1i sao b\u1ea3o hi\u1ec3m xe m\u00e1y l\u1ea1i kh\u00f4ng th\u1ec3?\u201d.<\/p>\n\n\n\n
\n
G\u1ea5p r\u00fat s\u1eeda Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m<\/em><\/strong><\/h5>\n

C\u1ea7n c\u00f3 thay \u0111\u1ed5i l\u1edbn \u0111\u1ec3 b\u1ea3o hi\u1ec3m xe m\u00e1y \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh \u0111\u00fang m\u1ee5c \u0111\u00edch \u0111\u1eb7t ra. Th\u1ef1c t\u1ebf, nhi\u1ec1u n\u0103m qua, ng\u00e0nh kinh doanh b\u1ea3o hi\u1ec3m b\u1ed9c l\u1ed9 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 g\u00e2y b\u1ee9c x\u00fac, nh\u01b0 t\u00ecm c\u00e1ch ph\u1ee7i tay, g\u00e2y kh\u00f3 kh\u0103n ho\u1eb7c t\u1eeb ch\u1ed1i tr\u00e1ch nhi\u1ec7m v\u1edbi ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u1ea7n g\u1ea5p r\u00fat s\u1eeda Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m \u0111\u1ec3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng b\u00ecnh \u0111\u1eb3ng h\u01a1n. Hi\u1ec7n nay, kh\u00e1ch h\u00e0ng b\u1ecb \u0111\u1eb7t v\u00e0o th\u1ebf y\u1ebfu, \u0111\u00f4i khi nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m m\u00e0 nh\u01b0 nh\u1eadn s\u1ef1 ban \u01a1n.\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Thanh Hoa<\/strong><\/h5>\n

—————<\/em><\/p>\n

Ph\u1ee5 n\u1eef TP H\u1ed3 Ch\u00ed Minh (Th\u1ecb tr\u01b0\u1eddng) 11-3-2023:<\/em><\/strong><\/p>\n

https:\/\/www.phunuonline.com.vn\/bao-hiem-xe-may-giu-hay-bo-a1486941.html<\/a><\/em><\/p>\n

(124\/1.480) #baohiem #xemay<\/em>","protected":false},"excerpt":{"rendered":"

B\u1ea3o hi\u1ec3m xe m\u00e1y, gi\u1eef hay b\u1ecf? (PN) – Theo C\u1ee5c Qu\u1ea3n l\u00fd, Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), hi\u1ec7n nay, xe m\u00e1y v\u1eabn l\u00e0 ngu\u1ed3n ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i c\u01a1 gi\u1edbi ch\u1ee7 y\u1ebfu v\u00e0 l\u00e0 ngu\u1ed3n g\u00e2y tai n\u1ea1n giao th\u00f4ng l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam, chi\u1ebfm 63,48% nguy\u00ean nh\u00e2n g\u00e2y ra tai […]<\/p>\n","protected":false},"author":1,"featured_media":36240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51],"class_list":["post-36239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem"],"acf":[],"yoast_head":"\n3.993. B\u1ea3o hi\u1ec3m xe m\u00e1y, gi\u1eef hay b\u1ecf? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u1ea3o hi\u1ec3m xe m\u00e1y, gi\u1eef hay b\u1ecf | R\u1ea5t kh\u00f3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi c\u00f3 tai n\u1ea1n, vi\u1ec7c mua b\u1ea3o hi\u1ec3m xe m\u00e1y l\u00e0 \u0111\u1ec3 kh\u1ecfi b\u1ecb c\u1ea3nh s\u00e1t giao th\u00f4ng ph\u1ea1t.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/3-993-bao-hiem-xe-may-giu-hay-bo\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.993. 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