{"id":1141,"date":"2024-01-31T09:29:02","date_gmt":"2024-01-31T02:29:02","guid":{"rendered":"https:\/\/driverx.vn\/blog\/?p=1141"},"modified":"2024-12-25T03:11:49","modified_gmt":"2024-12-24T20:11:49","slug":"5-luu-y-khi-mua-bao-hiem-vat-chat-xe-oto","status":"publish","type":"post","link":"https:\/\/saygoixe.vn\/blog\/5-luu-y-khi-mua-bao-hiem-vat-chat-xe-oto\/","title":{"rendered":"5 L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4"},"content":{"rendered":"<p><strong>Trong su\u1ed1t qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng <a href=\"https:\/\/saygoixe.vn\/blog\/cac-hang-xe-o-to-noi-tieng-tai-viet-nam\/\">\u00f4 t\u00f4<\/a> kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi nh\u1eefng t\u00ecnh hu\u1ed1ng \u0111\u00e1ng ti\u1ebfc x\u1ea3y ra, nh\u1eb9 th\u00ec c\u00f3 va qu\u1eb9t hay x\u00e2y x\u01b0\u1edbc, n\u1eb7ng h\u01a1n th\u00ec h\u01b0 h\u1ecfng b\u00ean ngo\u00e0i cho \u0111\u1ebfn c\u00e1c tai n\u1ea1n \u0111\u00e1ng ti\u1ebfc kh\u00e1c\u2026 V\u00e0 \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i ch\u00ednh khi kh\u00f4ng may r\u01a1i v\u00e0o c\u00e1c t\u00ecnh hu\u1ed1ng v\u1eeba k\u1ec3, b\u1ea1n n\u00ean ch\u1ecdn c\u00e1ch mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t cho x\u1ebf h\u1ed9p c\u1ee7a m\u00ecnh.<\/strong><\/p>\n<p>Tuy nhi\u00ean, b\u1ea1n n\u00ean n\u1eafm r\u00f5 m\u1ed9t \u0111i\u1ec1u hi\u1ec7n nay tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng ty b\u00e1n b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 v\u1edbi \u0111a d\u1ea1ng g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c nhau. Do v\u1eady, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7, b\u1ea1n c\u1ea7n n\u1eafm r\u00f5\u00a05 l\u01b0u \u00fd sau \u0111\u00e2y khi mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t <a href=\"https:\/\/saygoixe.vn\/blog\/phan-biet-cac-dong-xe-va-phan-khuc-xe-o-to-tai-viet-nam-hien-nay\/\">xe \u00f4 t\u00f4<\/a>:<\/p>\n<h3><strong>1. Tham kh\u1ea3o \u00fd ki\u1ebfn m\u1ecdi ng\u01b0\u1eddi khi ch\u1ecdn c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n<p>B\u1ea1n c\u00f3 th\u1ec3 h\u1ecfi th\u0103m b\u1ea1n b\u00e8, ng\u01b0\u1eddi th\u00e2n \u0111ang s\u1eed d\u1ee5ng \u00f4 t\u00f4 v\u00e0 c\u00f3 mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf ho\u1eb7c tra c\u1ee9u tr\u00ean c\u00e1c di\u1ec5n \u0111\u00e0n \u00f4 t\u00f4 \u0111\u1ec3 tham kh\u1ea3o \u00fd ki\u1ebfn m\u1ecdi ng\u01b0\u1eddi v\u1ec1 c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn.<\/p>\n<h3><strong>2. N\u1eafm r\u00f5 quy \u0111\u1ecbnh m\u1ee9c mi\u1ec5n th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n<p>M\u1ee9c ph\u00ed mi\u1ec5n th\u01b0\u1eddng l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi mua g\u00f3i b\u1ea3o hi\u1ec3m chia s\u1ebb r\u1ee7i ro v\u1edbi c\u00f4ng ty trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng may x\u1ea3y ra nh\u1eefng v\u1ee5 t\u1ed5n th\u1ea5t. Hi\u1ec7n nay c\u00f3 2 lo\u1ea1i m\u1ee9c mi\u1ec5n th\u01b0\u1eddng, g\u1ed3m:<\/p>\n<p>Mi\u1ec5n th\u01b0\u1eddng c\u00f3 kh\u1ea5u tr\u1eeb: l\u00e0 kho\u1ea3n chi ph\u00ed m\u00e0 b\u1ea1n ph\u1ea3i t\u1ef1 ch\u1ecbu cho c\u00e1c t\u1ed5n th\u1ea5t tr\u01b0\u1edbc khi c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 c\u00e1c chi ph\u00ed c\u00f2n l\u1ea1i.<\/p>\n<p><em>V\u00ed d\u1ee5: G\u00f3i b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 thu\u1ed9c lo\u1ea1i mi\u1ec5n th\u01b0\u1eddng c\u00f3 kh\u1ea5u tr\u1eeb l\u00e0 500.000 VND. Khi x\u1ea3y ra t\u1ed5n th\u1ea5t c\u00f3 chi ph\u00ed kh\u1eafc ph\u1ee5c d\u01b0\u1edbi 500.000 VN\u0110 th\u00ec b\u1ea1n ph\u1ea3i t\u1ef1 thanh to\u00e1n chi ph\u00ed n\u00e0y. Tr\u01b0\u1eddng h\u1ee3p chi ph\u00ed kh\u1eafc ph\u1ee5c t\u1ed5n th\u1ea5t v\u01b0\u1ee3t m\u1ee9c 500.000 VND th\u00ec b\u1ea1n c\u1ea7n thanh to\u00e1n 500.000 VND, to\u00e0n b\u1ed9 ph\u1ea7n ti\u1ec1n c\u00f2n l\u1ea1i s\u1ebd do c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/em><\/p>\n<p>Mi\u1ec5n th\u01b0\u1eddng kh\u00f4ng kh\u1ea5u tr\u1eeb: l\u00e0 kho\u1ea3n ph\u00ed m\u00e0 b\u1ea1n ph\u1ea3i ch\u1ecbu cho c\u00e1c t\u1ed5n th\u1ea5t c\u00f3 chi ph\u00ed nh\u1ecf h\u01a1n m\u1ee9c mi\u1ec5n th\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 to\u00e0n b\u1ed9 c\u00e1c chi ph\u00ed t\u1ed5n th\u1ea5t.<\/p>\n<p><em>V\u00ed d\u1ee5: G\u00f3i b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 thu\u1ed9c lo\u1ea1i mi\u1ec5n th\u01b0\u1eddng kh\u00f4ng kh\u1ea5u tr\u1eeb l\u00e0 500.000 VND. Khi x\u1ea3y ra t\u1ed5n th\u1ea5t c\u00f3 chi ph\u00ed kh\u1eafc ph\u1ee5c d\u01b0\u1edbi 500.000 VN\u0110 th\u00ec b\u1ea1n ph\u1ea3i t\u1ef1 thanh to\u00e1n chi ph\u00ed n\u00e0y. Tr\u01b0\u1eddng h\u1ee3p chi ph\u00ed kh\u1eafc ph\u1ee5c t\u1ed5n th\u1ea5t v\u01b0\u1ee3t m\u1ee9c 500.000 VND th\u00ec b\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i thanh to\u00e1n g\u00ec c\u1ea3, m\u1ecdi chi ph\u00ed s\u1ebd do c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3.<\/em><\/p>\n<h3><strong>3. C\u1ea9n th\u1eadn \u0111\u1ecdc k\u1ef9 t\u1eebng \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n<p>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua g\u00f3i b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf \u00f4 t\u00f4, b\u1ea1n h\u00e3y \u0111\u1ecdc l\u1ea1i t\u1ec9 m\u1ec9 t\u1eebng \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, th\u1eadm ch\u00ed c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng l\u1ea1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n n\u00e0o \u0111\u00f3 trong h\u1ee3p \u0111\u1ed3ng m\u00e0 b\u1ea1n th\u1ea5y ch\u01b0a th\u1ecfa \u0111\u00e1ng. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea3o v\u1ec7 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 c\u1ea7n c\u00f3 s\u1ef1 tr\u1ee3 gi\u00fap c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<h3><strong>4. \u0110\u1ec1 ngh\u1ecb s\u1eeda ch\u1eefa xe t\u1ea1i gara ch\u00ednh h\u00e3ng<\/strong><\/h3>\n<p>Trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, b\u1ea1n c\u1ea7n \u0111\u1ec1 c\u1eadp c\u1ee5 th\u1ec3 \u0111\u1ecba \u0111i\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m s\u1eeda ch\u1eefa \u00f4 t\u00f4 m\u00e0 b\u1ea1n tin t\u01b0\u1edfng, c\u00f3 \u0111\u1ed9 uy t\u00edn cao. Khi xe \u0111\u01b0\u1ee3c s\u1eeda t\u1ea1i garage ch\u00ednh h\u00e3ng s\u1ebd gi\u00fap b\u1ea1n y\u00ean t\u00e2m h\u01a1n v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng ph\u1ee5 t\u00f9ng v\u00e0 s\u1ef1 chuy\u00ean nghi\u1ec7p t\u1eeb \u0111\u1ed9i ng\u0169 k\u1ef9 thu\u1eadt vi\u00ean tay ngh\u1ec1 cao.<\/p>\n<h3><strong>5. Li\u00ean l\u1ea1c ngay v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/strong><\/h3>\n<p>Khi x\u1ea3y ra tai n\u1ea1n, b\u1ea1n c\u1ea7n l\u1eadp t\u1ee9c g\u1ecdi ngay cho c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, \u0111\u1ea3m b\u1ea3o \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n, c\u0169ng nh\u01b0 tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1c r\u1eafc r\u1ed1i li\u00ean quan t\u1edbi quy tr\u00ecnh <a href=\"https:\/\/saygoixe.vn\/blog\/7-truong-hop-khong-duoc-boi-thuong-bao-hiem-o-to\/\">b\u1ed3i th\u01b0\u1eddng<\/a>.<\/p>\n\n    <script>\n        document.addEventListener('DOMContentLoaded', function() {\n            const images = document.querySelectorAll('img');\n            images.forEach(function(img) {\n                img.onerror = function() {\n                    this.onerror = null; \/\/ Ng\u0103n l\u1eb7p v\u00f4 h\u1ea1n\n                    this.src = 'https:\/\/saygoixe.vn\/blog\/wp-content\/uploads\/2024\/12\/logo-sgx.png';\n                }\n            });\n        });\n    <\/script><div style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/saygoixe.vn\/blog\/wp-content\/uploads\/2024\/12\/logo-sgx.png\" alt=\"\u1ea2nh m\u1eb7c \u0111\u1ecbnh\" style=\"max-width: 100%; height: auto;\" \/><\/div>","protected":false},"excerpt":{"rendered":"<p>Trong su\u1ed1t qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng \u00f4 t\u00f4 kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi nh\u1eefng t\u00ecnh hu\u1ed1ng \u0111\u00e1ng ti\u1ebfc x\u1ea3y ra, nh\u1eb9 th\u00ec c\u00f3 va qu\u1eb9t hay x\u00e2y x\u01b0\u1edbc, n\u1eb7ng h\u01a1n th\u00ec h\u01b0 h\u1ecfng b\u00ean ngo\u00e0i cho \u0111\u1ebfn c\u00e1c tai n\u1ea1n \u0111\u00e1ng ti\u1ebfc kh\u00e1c\u2026 V\u00e0 \u0111\u1ec3 h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c thi\u1ec7t&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":1503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[70],"tags":[],"class_list":["post-1141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-tai-chinh"],"_links":{"self":[{"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/posts\/1141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/comments?post=1141"}],"version-history":[{"count":0,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/posts\/1141\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/media\/1503"}],"wp:attachment":[{"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/media?parent=1141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/categories?post=1141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/saygoixe.vn\/blog\/wp-json\/wp\/v2\/tags?post=1141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}