{"id":5226,"date":"2025-05-20T15:58:04","date_gmt":"2025-05-20T08:58:04","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5226"},"modified":"2025-05-20T10:33:00","modified_gmt":"2025-05-20T03:33:00","slug":"che-tai-bao-hiem-la-gi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi","title":{"rendered":"Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Nh\u1eefng \u0111i\u1ec3m m\u1edbi b\u1ea1n c\u1ea7n bi\u1ebft v\u1ec1 ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m n\u0103m 2026"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, c\u00e1c quy \u0111\u1ecbnh v\u00e0 ch\u1ebf t\u00e0i \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho c\u1ea3 ng\u01b0\u1eddi tham gia v\u00e0 \u0111\u01a1n v\u1ecb cung c\u1ea5p b\u1ea3o hi\u1ec3m. Vi\u1ec7c hi\u1ec3u r\u00f5 <strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\">ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/a><\/strong> gi\u00fap c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p n\u1eafm b\u1eaft c\u00e1c ngh\u0129a v\u1ee5, quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 tr\u00e1nh nh\u1eefng vi ph\u1ea1m kh\u00f4ng \u0111\u00e1ng c\u00f3. H\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u chi ti\u1ebft v\u1ec1 ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y!<\/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\/che-tai-bao-hiem-la-gi\/#Che_tai_bao_hiem_la_gi\" title=\"Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m 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\/che-tai-bao-hiem-la-gi\/#Khi_nao_cong_ty_nen_ap_dung_che_tai_bao_hiem\" title=\"Khi n\u00e0o c\u00f4ng ty n\u00ean \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?\">Khi n\u00e0o c\u00f4ng ty n\u00ean \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#Muc_giam_tru_boi_thuong_la_bao_nhieu\" title=\"M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng l\u00e0 bao nhi\u00eau?\">M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng l\u00e0 bao nhi\u00eau?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#Lam_the_nao_de_han_che_che_tai_bao_hiem\" title=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?<\/a><\/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\/che-tai-bao-hiem-la-gi\/#Cau_hoi_thuong_gap\" title=\"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\">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-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#Cham_dong_phi_bao_lau_thi_bi_che_tai\" title=\"Ch\u1eadm \u0111\u00f3ng ph\u00ed bao l\u00e2u th\u00ec b\u1ecb ch\u1ebf t\u00e0i?\">Ch\u1eadm \u0111\u00f3ng ph\u00ed bao l\u00e2u th\u00ec b\u1ecb ch\u1ebf t\u00e0i?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#Khai_sai_thong_tin_co_bi_phat_tien_khong\" title=\"Khai sai th\u00f4ng tin c\u00f3 b\u1ecb ph\u1ea1t ti\u1ec1n kh\u00f4ng?\">Khai sai th\u00f4ng tin c\u00f3 b\u1ecb ph\u1ea1t ti\u1ec1n kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#Co_the_khieu_nai_che_tai_bao_hiem_khong\" title=\"C\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m kh\u00f4ng?\">C\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/baohiemtasco.vn\/blog\/che-tai-bao-hiem-la-gi\/#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=\"Che_tai_bao_hiem_la_gi\"><\/span><strong>Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 bi\u1ec7n ph\u00e1p m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng \u0111\u1ec3 gi\u1ea3m tr\u1eeb ho\u1eb7c t\u1eeb ch\u1ed1i chi tr\u1ea3 m\u1ed9t ph\u1ea7n ho\u1eb7c to\u00e0n b\u1ed9 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m khi kh\u00e1ch h\u00e0ng vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng. N\u00f3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m 2000 (s\u1eeda \u0111\u1ed5i 2022) v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p style=\"text-align: justify;\">Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 bao g\u1ed3m gi\u1ea3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng, t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m ho\u1eb7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng. M\u1ee5c \u0111\u00edch l\u00e0 \u0111\u1ea3m b\u1ea3o t\u00ednh c\u00f4ng b\u1eb1ng gi\u1eefa b\u00ean b\u1ea3o hi\u1ec3m v\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi ng\u0103n ch\u1eb7n h\u00e0nh vi gian l\u1eadn ho\u1eb7c kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh.<\/p>\n<figure id=\"attachment_5227\" aria-describedby=\"caption-attachment-5227\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5227\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/che-tai-bao-hiem-la-bien-phap-gi.jpg\" alt=\"Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 bi\u1ec7n ph\u00e1p g\u00ec?\" width=\"600\" height=\"399\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/che-tai-bao-hiem-la-bien-phap-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/che-tai-bao-hiem-la-bien-phap-gi-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/che-tai-bao-hiem-la-bien-phap-gi-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5227\" class=\"wp-caption-text\">Ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 bi\u1ec7n ph\u00e1p g\u00ec?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Khi_nao_cong_ty_nen_ap_dung_che_tai_bao_hiem\"><\/span><strong>Khi n\u00e0o c\u00f4ng ty n\u00ean \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">C\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i khi ph\u00e1t hi\u1ec7n c\u00e1c vi ph\u1ea1m t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ed5 bi\u1ebfn:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Khai b\u00e1o th\u00f4ng tin sai l\u1ec7ch:<\/strong> Kh\u00e1ch h\u00e0ng c\u1ed1 \u00fd cung c\u1ea5p th\u00f4ng tin kh\u00f4ng trung th\u1ef1c khi k\u00fd h\u1ee3p \u0111\u1ed3ng nh\u01b0 gi\u1ea5u b\u1ec7nh l\u00fd c\u00f3 s\u1eb5n trong b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe ho\u1eb7c khai sai gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n trong b\u1ea3o hi\u1ec3m xe.<\/li>\n<li aria-level=\"1\"><strong>Kh\u00f4ng tu\u00e2n th\u1ee7 ngh\u0129a v\u1ee5 \u0111\u00f3ng ph\u00ed:<\/strong> Kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00fang h\u1ea1n theo th\u1eddi gian quy \u0111\u1ecbnh, d\u1eabn \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng t\u1ea1m ng\u01b0ng ho\u1eb7c m\u1ea5t hi\u1ec7u l\u1ef1c.<\/li>\n<li aria-level=\"1\"><strong>Vi ph\u1ea1m \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m:<\/strong> Kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c y\u00eau c\u1ea7u trong h\u1ee3p \u0111\u1ed3ng, ch\u1eb3ng h\u1ea1n nh\u01b0 kh\u00f4ng b\u1ea3o tr\u00ec t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (nh\u01b0 xe h\u01a1i) ho\u1eb7c g\u00e2y thi\u1ec7t h\u1ea1i do c\u1ed1 \u00fd.<\/li>\n<li aria-level=\"1\"><strong>Gian l\u1eadn b\u1ea3o hi\u1ec3m:<\/strong> Kh\u00e1ch h\u00e0ng c\u1ed1 t\u00ecnh t\u1ea1o ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng, v\u00ed d\u1ee5 ph\u00f3ng h\u1ecfa t\u00e0i s\u1ea3n ho\u1eb7c gi\u1ea3 b\u1ec7nh \u0111\u1ec3 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe.<\/li>\n<li aria-level=\"1\"><strong>Kh\u00f4ng th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi:<\/strong> Kh\u00e1ch h\u00e0ng kh\u00f4ng b\u00e1o c\u00e1o s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m (tai n\u1ea1n, b\u1ec7nh t\u1eadt) trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh, th\u01b0\u1eddng l\u00e0 30 &#8211; 60 ng\u00e0y t\u00f9y h\u1ee3p \u0111\u1ed3ng.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i, nh\u1eb1m b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a m\u00ecnh v\u00e0 \u0111\u1ea3m b\u1ea3o h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang cam k\u1ebft.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_giam_tru_boi_thuong_la_bao_nhieu\"><\/span><strong>M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng l\u00e0 bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng khi \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i h\u1ee3p \u0111\u1ed3ng v\u00e0 m\u1ee9c \u0111\u1ed9 vi ph\u1ea1m. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c m\u1ee9c ph\u1ed5 bi\u1ebfn:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Gi\u1ea3m m\u1ed9t ph\u1ea7n b\u1ed3i th\u01b0\u1eddng:<\/strong> N\u1ebfu vi ph\u1ea1m kh\u00f4ng nghi\u00eam tr\u1ecdng (nh\u01b0 ch\u1eadm th\u00f4ng b\u00e1o s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m), c\u00f4ng ty c\u00f3 th\u1ec3 gi\u1ea3m t\u1eeb 10 &#8211; 30% s\u1ed1 ti\u1ec1n chi tr\u1ea3. V\u00ed d\u1ee5, y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng 10 tri\u1ec7u \u0111\u1ed3ng c\u00f3 th\u1ec3 ch\u1ec9 nh\u1eadn 7 &#8211; 8 tri\u1ec7u \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>T\u1eeb ch\u1ed1i to\u00e0n b\u1ed9 b\u1ed3i th\u01b0\u1eddng:<\/strong> V\u1edbi vi ph\u1ea1m nghi\u00eam tr\u1ecdng nh\u01b0 gian l\u1eadn ho\u1eb7c khai b\u00e1o sai th\u00f4ng tin quan tr\u1ecdng, c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 to\u00e0n b\u1ed9, th\u1eadm ch\u00ed h\u1ee7y h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>T\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong> N\u1ebfu kh\u00e1ch h\u00e0ng vi ph\u1ea1m nh\u1eb9 nh\u01b0ng v\u1eabn mu\u1ed1n duy tr\u00ec h\u1ee3p \u0111\u1ed3ng, ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u0103ng 10 &#8211; 20% trong k\u1ef3 ti\u1ebfp theo.<\/li>\n<li aria-level=\"1\"><strong>M\u1ee9c ph\u1ea1t c\u1ee5 th\u1ec3:<\/strong> M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh m\u1ee9c ph\u1ea1t c\u1ed1 \u0111\u1ecbnh, ch\u1eb3ng h\u1ea1n 500.000 VN\u0110 cho m\u1ed7i l\u1ea7n ch\u1eadm \u0111\u00f3ng ph\u00ed, t\u00f9y ch\u00ednh s\u00e1ch c\u00f4ng ty.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">M\u1ee9c gi\u1ea3m tr\u1eeb kh\u00f4ng c\u1ed1 \u0111\u1ecbnh m\u00e0 \u0111\u01b0\u1ee3c ghi r\u00f5 trong \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. V\u00ec v\u1eady, b\u1ea1n c\u1ea7n \u0111\u1ecdc k\u1ef9 \u0111\u1ec3 n\u1eafm r\u00f5 ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec v\u00e0 m\u1ee9c \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh.<\/p>\n<figure id=\"attachment_5228\" aria-describedby=\"caption-attachment-5228\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5228\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/muc-giam-tru-boi-thuong-la-bao-nhieu.jpg\" alt=\"M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng l\u00e0 bao nhi\u00eau?\" width=\"600\" height=\"347\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/muc-giam-tru-boi-thuong-la-bao-nhieu.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/muc-giam-tru-boi-thuong-la-bao-nhieu-300x174.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/muc-giam-tru-boi-thuong-la-bao-nhieu-150x87.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5228\" class=\"wp-caption-text\">M\u1ee9c gi\u1ea3m tr\u1eeb b\u1ed3i th\u01b0\u1eddng l\u00e0 bao nhi\u00eau?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Lam_the_nao_de_han_che_che_tai_bao_hiem\"><\/span><strong>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">H\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i khi tham gia b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p hi\u1ec7u qu\u1ea3:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Khai b\u00e1o trung th\u1ef1c:<\/strong> B\u1ea1n cung c\u1ea5p th\u00f4ng tin ch\u00ednh x\u00e1c khi k\u00fd h\u1ee3p \u0111\u1ed3ng, t\u1eeb t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe \u0111\u1ebfn gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n. \u0110i\u1ec1u n\u00e0y tr\u00e1nh nguy c\u01a1 b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 do khai sai.<\/li>\n<li aria-level=\"1\"><strong>\u0110\u00f3ng ph\u00ed \u0111\u00fang h\u1ea1n:<\/strong> B\u1ea1n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00fang th\u1eddi gian quy \u0111\u1ecbnh, s\u1eed d\u1ee5ng nh\u1eafc nh\u1edf t\u1ef1 \u0111\u1ed9ng ho\u1eb7c \u1ee7y th\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 kh\u00f4ng b\u1ecf l\u1ee1 k\u1ef3 h\u1ea1n.<\/li>\n<li aria-level=\"1\"><strong>Tu\u00e2n th\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u1ee3p \u0111\u1ed3ng:<\/strong> B\u1ea1n th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u, nh\u01b0 b\u1ea3o d\u01b0\u1ee1ng xe \u0111\u1ecbnh k\u1ef3 trong b\u1ea3o hi\u1ec3m xe h\u01a1i ho\u1eb7c kh\u00f4ng t\u1ef1 \u00fd thay \u0111\u1ed5i m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n b\u1ea3o hi\u1ec3m.<\/li>\n<li aria-level=\"1\"><strong>Th\u00f4ng b\u00e1o s\u1ef1 ki\u1ec7n k\u1ecbp th\u1eddi:<\/strong> B\u1ea1n b\u00e1o c\u00e1o tai n\u1ea1n, b\u1ec7nh t\u1eadt ho\u1eb7c thi\u1ec7t h\u1ea1i trong th\u1eddi gian quy \u0111\u1ecbnh (th\u01b0\u1eddng 30 &#8211; 60 ng\u00e0y) k\u00e8m h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 tr\u00e1nh b\u1ecb t\u1eeb ch\u1ed1i.<\/li>\n<li aria-level=\"1\"><strong>\u0110\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng:<\/strong> B\u1ea1n d\u00e0nh th\u1eddi gian nghi\u00ean c\u1ee9u \u0111i\u1ec1u kho\u1ea3n, h\u1ecfi nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m n\u1ebfu c\u00f3 \u0111i\u1ec3m ch\u01b0a r\u00f5, \u0111\u1eb7c bi\u1ec7t v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i.<\/li>\n<\/ul>\n<figure id=\"attachment_5229\" aria-describedby=\"caption-attachment-5229\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5229\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/lam-the-nao-de-han-che-che-tai-bao-hiem.jpg\" alt=\"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/lam-the-nao-de-han-che-che-tai-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/lam-the-nao-de-han-che-che-tai-bao-hiem-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/lam-the-nao-de-han-che-che-tai-bao-hiem-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5229\" class=\"wp-caption-text\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ea1n ch\u1ebf ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m?<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Nh\u1eefng c\u00e1ch n\u00e0y gi\u00fap b\u1ea1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecb \u00e1p d\u1ee5ng ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i khi c\u1ea7n b\u1ed3i th\u01b0\u1eddng.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span><strong>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=\"Cham_dong_phi_bao_lau_thi_bi_che_tai\"><\/span><strong>Ch\u1eadm \u0111\u00f3ng ph\u00ed bao l\u00e2u th\u00ec b\u1ecb ch\u1ebf t\u00e0i?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ch\u1eadm \u0111\u00f3ng ph\u00ed t\u1eeb 30 &#8211; 60 ng\u00e0y (t\u00f9y h\u1ee3p \u0111\u1ed3ng) c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u1ea1m ng\u01b0ng h\u1ee3p \u0111\u1ed3ng ho\u1eb7c gi\u1ea3m b\u1ed3i th\u01b0\u1eddng. Sau 90 ng\u00e0y, h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng b\u1ecb h\u1ee7y.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Khai_sai_thong_tin_co_bi_phat_tien_khong\"><\/span><strong>Khai sai th\u00f4ng tin c\u00f3 b\u1ecb ph\u1ea1t ti\u1ec1n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Khai sai th\u00f4ng tin kh\u00f4ng b\u1ecb ph\u1ea1t ti\u1ec1n tr\u1ef1c ti\u1ebfp, nh\u01b0ng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 ho\u1eb7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng, g\u00e2y thi\u1ec7t h\u1ea1i l\u1edbn h\u01a1n.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Co_the_khieu_nai_che_tai_bao_hiem_khong\"><\/span><strong>C\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">B\u1ea1n c\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i n\u1ebfu cho r\u1eb1ng ch\u1ebf t\u00e0i \u00e1p d\u1ee5ng kh\u00f4ng c\u00f4ng b\u1eb1ng, n\u1ed9p \u0111\u01a1n k\u00e8m b\u1eb1ng ch\u1ee9ng l\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c c\u01a1 quan qu\u1ea3n l\u00fd trong 30 ng\u00e0y.<\/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;\">Hi\u1ec3u r\u00f5 <span style=\"text-decoration: underline;\">ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/span> gi\u00fap c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1nh c\u00e1c r\u1ee7i ro kh\u00f4ng mong mu\u1ed1n khi tham gia b\u1ea3o hi\u1ec3m. Vi\u1ec7c n\u1eafm v\u1eefng c\u00e1c ch\u1ebf t\u00e0i n\u00e0y c\u0169ng gi\u00fap b\u1ea1n x\u1eed l\u00fd t\u00ecnh hu\u1ed1ng tranh ch\u1ea5p hi\u1ec7u qu\u1ea3 v\u00e0 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n c\u1ea7n h\u1ed7 tr\u1ee3 th\u00eam th\u00f4ng tin v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, h\u00e3y li\u00ean h\u1ec7 B\u1ea3o hi\u1ec3m Tasco \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft!<\/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>Trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, c\u00e1c quy \u0111\u1ecbnh v\u00e0 ch\u1ebf t\u00e0i \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho c\u1ea3 ng\u01b0\u1eddi tham gia v\u00e0 \u0111\u01a1n v\u1ecb cung c\u1ea5p b\u1ea3o hi\u1ec3m. Vi\u1ec7c hi\u1ec3u r\u00f5 ch\u1ebf t\u00e0i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec gi\u00fap c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p n\u1eafm b\u1eaft c\u00e1c ngh\u0129a v\u1ee5, quy\u1ec1n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-5226","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thong-tin-bao-hiem"},"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5226","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=5226"}],"version-history":[{"count":3,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5226\/revisions"}],"predecessor-version":[{"id":5233,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5226\/revisions\/5233"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5232"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5226"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}