{"id":4632,"date":"2025-05-20T16:36:27","date_gmt":"2025-05-20T09:36:27","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4632"},"modified":"2025-04-18T10:19:41","modified_gmt":"2025-04-18T03:19:41","slug":"het-bao-hiem-o-to-phat-bao-nhieu","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu","title":{"rendered":"Th\u1eafc m\u1eafc h\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n? C\u00e1ch x\u1eed l\u00fd nhanh g\u1ecdn khi vi ph\u1ea1m"},"content":{"rendered":"<p style=\"text-align: justify;\"><em><a href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\"><strong>H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau<\/strong><\/a> ti\u1ec1n l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ch\u1ee7 xe quan t\u00e2m khi tham gia giao th\u00f4ng. Vi\u1ec7c n\u1eafm r\u00f5 quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n tr\u00e1nh vi ph\u1ea1m m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i ph\u00e1p l\u00fd. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n s\u1eed d\u1ee5ng v\u00e0 m\u1ee9c ph\u1ea1t khi b\u1ea3o hi\u1ec3m h\u1ebft h\u1ea1n, c\u00f9ng Tasco Insurance t\u00ecm hi\u1ec3u chi ti\u1ebft nh\u00e9!<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Bao_hiem_o_to_la_gi\" title=\"B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 g\u00ec?\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Cac_loai_bao_hiem_danh_cho_o_to\" title=\"C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m d\u00e0nh cho \u00f4 t\u00f4\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m d\u00e0nh cho \u00f4 t\u00f4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Bao_hiem_trach_nhiem_dan_su_bat_buoc_o_to\" title=\"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c) \u00f4 t\u00f4\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c) \u00f4 t\u00f4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Bao_hiem_tu_nguyen_o_to\" title=\"B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u00f4 t\u00f4\">B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u00f4 t\u00f4<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Thoi_gian_bao_hiem_o_to_het_han\" title=\"Th\u1eddi gian b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n\">Th\u1eddi gian b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Het_bao_hiem_o_to_phat_bao_nhieu_tien\" title=\"H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n?\">H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Mot_so_cau_hoi_thuong_gap\" title=\"M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p?\">M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Muc_phat_loi_het_han_bao_hiem_o_to_co_tang_trong_tuong_lai_khong\" title=\"M\u1ee9c ph\u1ea1t l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 t\u0103ng trong t\u01b0\u01a1ng lai kh\u00f4ng?\">M\u1ee9c ph\u1ea1t l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 t\u0103ng trong t\u01b0\u01a1ng lai kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Loi_het_han_bao_hiem_o_to_co_bi_giu_xe_khong\" title=\"L\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 b\u1ecb gi\u1eef xe kh\u00f4ng?\">L\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 b\u1ecb gi\u1eef xe kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Lam_sao_de_tranh_loi_het_han_bao_hiem_o_to_theo_Nghi_dinh_100\" title=\"L\u00e0m sao \u0111\u1ec3 tr\u00e1nh l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo Ngh\u1ecb \u0111\u1ecbnh 100?\">L\u00e0m sao \u0111\u1ec3 tr\u00e1nh l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo Ngh\u1ecb \u0111\u1ecbnh 100?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/baohiemtasco.vn\/blog\/het-bao-hiem-o-to-phat-bao-nhieu\/#Ket_Luan\" title=\"K\u1ebft Lu\u1eadn\">K\u1ebft Lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_o_to_la_gi\"><\/span><strong>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\"><strong>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/strong><\/a> l\u00e0 h\u1ee3p \u0111\u1ed3ng gi\u1eefa ch\u1ee7 xe v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u1eb1m b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ch\u1ee7 xe khi x\u1ea3y ra r\u1ee7i ro trong qu\u00e1 tr\u00ecnh tham gia giao th\u00f4ng. \u0110\u00e2y l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng gi\u00fap gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n khi c\u00f3 s\u1ef1 c\u1ed1 nh\u01b0 tai n\u1ea1n, h\u1ecfng h\u00f3c ho\u1eb7c tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u1edbi b\u00ean th\u1ee9 ba. T\u1ea1i Vi\u1ec7t Nam, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u00f4 t\u00f4 l\u00e0 lo\u1ea1i b\u1eaft bu\u1ed9c theo lu\u1eadt, trong khi c\u00e1c lo\u1ea1i kh\u00e1c mang t\u00ednh t\u1ef1 nguy\u1ec7n. Vi\u1ec7c \u0111\u1ec3 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd kh\u00f4ng mong mu\u1ed1n.<\/p>\n<figure id=\"attachment_4633\" aria-describedby=\"caption-attachment-4633\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4633\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/bao-hiem-o-to-la-gi.jpg\" alt=\"B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 g\u00ec?\" width=\"600\" height=\"399\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/bao-hiem-o-to-la-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/bao-hiem-o-to-la-gi-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/bao-hiem-o-to-la-gi-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4633\" class=\"wp-caption-text\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cac_loai_bao_hiem_danh_cho_o_to\"><\/span><strong>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m d\u00e0nh cho \u00f4 t\u00f4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Hi\u1ec7n nay, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ea1i Vi\u1ec7t Nam cung c\u1ea5p nhi\u1ec1u l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 hai nh\u00f3m b\u1ea3o hi\u1ec3m ch\u00ednh m\u00e0 b\u1ea1n c\u1ea7n bi\u1ebft:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_trach_nhiem_dan_su_bat_buoc_o_to\"><\/span><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c) \u00f4 t\u00f4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">\u0110\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP, \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi m\u1ecdi ch\u1ee7 xe \u00f4 t\u00f4. M\u1ee5c ti\u00eau l\u00e0 \u0111\u1ea3m b\u1ea3o b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho b\u00ean th\u1ee9 ba khi xe c\u1ee7a b\u1ea1n g\u00e2y ra tai n\u1ea1n. M\u1ee9c chi tr\u1ea3 t\u1ed1i \u0111a c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 150 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/v\u1ee5 \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi v\u00e0 100 tri\u1ec7u \u0111\u1ed3ng\/v\u1ee5 \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n. N\u1ebfu b\u1ea3o hi\u1ec3m n\u00e0y h\u1ebft h\u1ea1n, b\u1ea1n s\u1ebd vi ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 ch\u1ecbu ph\u1ea1t.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_tu_nguyen_o_to\"><\/span><strong>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u00f4 t\u00f4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Bao g\u1ed3m c\u00e1c lo\u1ea1i nh\u01b0 b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe (b\u1ed3i th\u01b0\u1eddng h\u01b0 h\u1ecfng do va ch\u1ea1m, thi\u00ean tai), b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t to\u00e0n di\u1ec7n, ho\u1eb7c b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe. Nh\u1eefng g\u00f3i n\u00e0y kh\u00f4ng b\u1eaft bu\u1ed9c, nh\u01b0ng r\u1ea5t h\u1eefu \u00edch \u0111\u1ec3 b\u1ea3o v\u1ec7 xe v\u00e0 ch\u00ednh b\u1ea1n trong nhi\u1ec1u t\u00ecnh hu\u1ed1ng kh\u00e1c nhau.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Thoi_gian_bao_hiem_o_to_het_han\"><\/span><strong>Th\u1eddi gian b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec3 tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p th\u1eafc m\u1eafc h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n, ch\u1ee7 xe c\u1ea7n theo d\u00f5i k\u1ef9 th\u1eddi h\u1ea1n v\u00e0 gia h\u1ea1n k\u1ecbp th\u1eddi tr\u01b0\u1edbc khi gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m m\u1ea5t hi\u1ec7u l\u1ef1c.Th\u1eddi h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n tham gia:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1:<\/strong> Th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u l\u00e0 1 n\u0103m, t\u1ed1i \u0111a c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 3 n\u0103m t\u00f9y th\u1ecfa thu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. Sau th\u1eddi gian n\u00e0y, n\u1ebfu kh\u00f4ng gia h\u1ea1n, b\u1ea3o hi\u1ec3m s\u1ebd h\u1ebft hi\u1ec7u l\u1ef1c.<\/li>\n<li aria-level=\"1\"><strong>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n:<\/strong> Th\u1eddi gian th\u01b0\u1eddng l\u00e0 1 n\u0103m, nh\u01b0ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo h\u1ee3p \u0111\u1ed3ng, t\u1eeb v\u00e0i th\u00e1ng \u0111\u1ebfn v\u00e0i n\u0103m t\u00f9y g\u00f3i d\u1ecbch v\u1ee5.<\/li>\n<\/ul>\n<figure id=\"attachment_4634\" aria-describedby=\"caption-attachment-4634\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4634\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/thoi-gian-bao-hiem-o-to-het-han.jpg\" alt=\"Th\u1eddi gian b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n\" width=\"600\" height=\"338\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/thoi-gian-bao-hiem-o-to-het-han.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/thoi-gian-bao-hiem-o-to-het-han-300x169.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/thoi-gian-bao-hiem-o-to-het-han-150x85.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4634\" class=\"wp-caption-text\">Th\u1eddi gian b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Het_bao_hiem_o_to_phat_bao_nhieu_tien\"><\/span><strong>H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec3m b &#8211; Kho\u1ea3n 4 &#8211; \u0110i\u1ec1u 21 Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP, l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u01b0\u1ee3c xem t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi vi\u1ec7c kh\u00f4ng c\u00f3 ho\u1eb7c kh\u00f4ng mang theo gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00f2n hi\u1ec7u l\u1ef1c. M\u1ee9c ph\u1ea1t c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>M\u1ee9c ph\u1ea1t:<\/strong> T\u1eeb 400.000 VN\u0110 \u0111\u1ebfn 600.000 VN\u0110.<\/li>\n<li aria-level=\"1\"><strong>H\u00ecnh th\u1ee9c x\u1eed l\u00fd:<\/strong> Ch\u1ec9 \u00e1p d\u1ee5ng ph\u1ea1t ti\u1ec1n, kh\u00f4ng t\u01b0\u1edbc gi\u1ea5y ph\u00e9p l\u00e1i xe. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, n\u1ebfu ch\u1ee7 xe kh\u00f4ng ch\u1ea5p h\u00e0nh, ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 th\u1ec3 b\u1ecb t\u1ea1m gi\u1eef \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thi h\u00e0nh quy\u1ebft \u0111\u1ecbnh x\u1eed ph\u1ea1t.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">V\u1eady, b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u1ebft h\u1ea1n ph\u1ea1t bao nhi\u00eau? Con s\u1ed1 t\u1eeb 400.000 &#8211; 600.000 VN\u0110 l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi r\u00f5 r\u00e0ng. \u0110\u1ec3 tr\u00e1nh vi ph\u1ea1m, b\u1ea1n n\u00ean ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3 v\u00e0 gia h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u00fang h\u1ea1n. L\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 kh\u00f4ng ch\u1ec9 g\u00e2y m\u1ea5t ti\u1ec1n m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i khi x\u1ea3y ra s\u1ef1 c\u1ed1 giao th\u00f4ng.<\/p>\n<figure id=\"attachment_4635\" aria-describedby=\"caption-attachment-4635\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4635\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/het-bao-hiem-o-to-phat-bao-nhieu-tien.jpg\" alt=\"H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n?\" width=\"600\" height=\"337\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/het-bao-hiem-o-to-phat-bao-nhieu-tien.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/het-bao-hiem-o-to-phat-bao-nhieu-tien-300x169.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/het-bao-hiem-o-to-phat-bao-nhieu-tien-150x84.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4635\" class=\"wp-caption-text\">H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_cau_hoi_thuong_gap\"><\/span><strong>M\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_phat_loi_het_han_bao_hiem_o_to_co_tang_trong_tuong_lai_khong\"><\/span><strong>M\u1ee9c ph\u1ea1t l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 t\u0103ng trong t\u01b0\u01a1ng lai kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Hi\u1ec7n t\u1ea1i th\u00ec kh\u00f4ng, m\u1ee9c ph\u1ea1t v\u1eabn \u00e1p d\u1ee5ng theo Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP. Tuy nhi\u00ean, c\u00e1c quy \u0111\u1ecbnh c\u00f3 th\u1ec3 thay \u0111\u1ed5i, b\u1ea1n n\u00ean theo d\u00f5i th\u00f4ng tin t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng ho\u1eb7c Tasco Insurance \u0111\u1ec3 c\u1eadp nh\u1eadt k\u1ecbp th\u1eddi.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Loi_het_han_bao_hiem_o_to_co_bi_giu_xe_khong\"><\/span><strong>L\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 b\u1ecb gi\u1eef xe kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, Theo Kho\u1ea3n 2, \u0110i\u1ec1u 82 Ngh\u1ecb \u0111\u1ecbnh 100, xe c\u00f3 th\u1ec3 b\u1ecb t\u1ea1m gi\u1eef n\u1ebfu c\u1ea7n x\u00e1c minh ho\u1eb7c \u0111\u1ea3m b\u1ea3o thi h\u00e0nh ph\u1ea1t. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y hi\u1ebfm x\u1ea3y ra n\u1ebfu b\u1ea1n h\u1ee3p t\u00e1c n\u1ed9p ph\u1ea1t.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Lam_sao_de_tranh_loi_het_han_bao_hiem_o_to_theo_Nghi_dinh_100\"><\/span><strong>L\u00e0m sao \u0111\u1ec3 tr\u00e1nh l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo Ngh\u1ecb \u0111\u1ecbnh 100?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u00e3y \u0111\u1eb7t l\u1ecbch nh\u1eafc nh\u1edf gia h\u1ea1n tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m h\u1ebft h\u1ea1n ho\u1eb7c ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0i h\u1ea1n (2-3 n\u0103m) \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro qu\u00ean gia h\u1ea1n.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ket_Luan\"><\/span><strong>K\u1ebft Lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">V\u1edbi nh\u1eefng chia s\u1ebd tr\u00ean \u0111\u00e2y c\u1ee7a b\u1ea3o hi\u1ec3m Tasco \u0111\u00e3 ph\u1ea7n n\u00e0o gi\u00fap b\u1ea1n \u0111\u1ecdc tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c c\u00e2u h\u1ecfi \u201c<span style=\"text-decoration: underline;\">h\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n<\/span>\u201d. \u0110\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n th\u00eam v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p ho\u1eb7c gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc li\u00ean quan \u0111\u1ebfn l\u1ed7i h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, vui l\u00f2ng truy c\u1eadp website B\u1ea3o hi\u1ec3m Tasco \u0111\u1ec3 \u0111\u1ed9i ng\u0169 ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 b\u1ea1n s\u1edbm nh\u1ea5t v\u1ec1 v\u1ea5n \u0111\u1ec1 h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4!<\/p>\n<p style=\"text-align: justify;\"><strong>C\u00d4NG TY TNHH B\u1ea2O HI\u1ec2M TASCO &#8211; TASCO INSURANCE CO., LTD <\/strong><br \/>\n\ud83c\udfe2 TSC: T\u00f2a nh\u00e0 Tasco, Ph\u1ea1m H\u00f9ng, M\u1ec5 Tr\u00ec, Nam T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i<br \/>\n\ud83d\udce9 Email: info@baohiemtasco.vn<br \/>\n\ud83c\udf10 Website: <strong><a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\">baohiemtasco.vn<\/a><\/strong><br \/>\n\u260e\ufe0f Hotline: 1900 1562<\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u1ebft b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ph\u1ea1t bao nhi\u00eau ti\u1ec1n l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ch\u1ee7 xe quan t\u00e2m khi tham gia giao th\u00f4ng. Vi\u1ec7c n\u1eafm r\u00f5 quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n tr\u00e1nh vi ph\u1ea1m m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i ph\u00e1p l\u00fd. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-4632","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bao-hiem-xe"],"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/comments?post=4632"}],"version-history":[{"count":2,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4632\/revisions"}],"predecessor-version":[{"id":4638,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4632\/revisions\/4638"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/4636"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}