{"id":72,"date":"2025-05-20T16:56:16","date_gmt":"2025-05-20T09:56:16","guid":{"rendered":"http:\/\/tdi_206_6a6"},"modified":"2025-03-19T15:46:38","modified_gmt":"2025-03-19T08:46:38","slug":"bao-hiem-xe-o-to-4-cho","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-4-cho","title":{"rendered":"M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7 b\u1eaft bu\u1ed9c chi ti\u1ebft m\u1edbi nh\u1ea5t 07\/2026"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Nhu c\u1ea7u s\u1eed d\u1ee5ng xe \u00f4 t\u00f4 4 ch\u1ed7 hi\u1ec7n nay r\u1ea5t ph\u1ed5 bi\u1ebfn hi\u1ec7n nay \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng th\u00e0nh ph\u1ed1 l\u1edbn. Khi mua xe th\u00ec m\u1ecdi ng\u01b0\u1eddi c\u1ea7n ph\u1ea3i mua b\u1ea3o hi\u1ec3m xe v\u00e0 t\u00f9y t\u1eebng lo\u1ea1i xe c\u00f3 m\u1ee9c ph\u00ed kh\u00e1c nhau. N\u1ebfu xe c\u1ee7a b\u1ea1n l\u00e0 4 ch\u1ed7 h\u00e3y tham kh\u1ea3o ngay th\u00f4ng tin <strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-4-cho\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7<\/a><\/strong> \u0111\u01b0\u1ee3c chia s\u1ebb 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\/bao-hiem-xe-o-to-4-cho\/#Thong_tin_ve_bao_hiem_xe_o_to_4_cho\" title=\"Th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7\u00a0\">Th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7\u00a0<\/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\/bao-hiem-xe-o-to-4-cho\/#Bao_hiem_TNDS_bat_buoc_xe_o_to_4_cho\" title=\"B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c xe \u00f4 t\u00f4 4 ch\u1ed7\">B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c xe \u00f4 t\u00f4 4 ch\u1ed7<\/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\/bao-hiem-xe-o-to-4-cho\/#Bao_hiem_vat_chat_xe_o_to_4_cho\" title=\"B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 4 ch\u1ed7\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 4 ch\u1ed7<\/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\/bao-hiem-xe-o-to-4-cho\/#Mot_so_van_de_can_biet_khi_chon_mua_bao_hiem_o_to_4_cho\" title=\"M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 c\u1ea7n bi\u1ebft khi ch\u1ecdn mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 4 ch\u1ed7\">M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 c\u1ea7n bi\u1ebft khi ch\u1ecdn mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 4 ch\u1ed7<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-4-cho\/#Cong_ty_bao_hiem_se_cham_dut_hop_dong_trong_cac_truong_hop\" title=\"C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p\">C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-4-cho\/#Mot_so_truong_hop_cong_ty_bao_hiem_khong_boi_thuong\" title=\"M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ed3i th\u01b0\u1eddng\">M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ed3i th\u01b0\u1eddng<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Thong_tin_ve_bao_hiem_xe_o_to_4_cho\"><\/span><strong>Th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7 l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi s\u1edf h\u1eefu v\u00e0 s\u1eed d\u1ee5ng \u00f4 t\u00f4, \u0111\u1eb7c bi\u1ec7t t\u1ea1i c\u00e1c qu\u1ed1c gia c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c nh\u01b0 Vi\u1ec7t Nam. B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 4 ch\u1ed7 kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ch\u1ee7 xe khi x\u1ea3y ra s\u1ef1 c\u1ed1 m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o b\u1ed3i th\u01b0\u1eddng cho c\u00e1c thi\u1ec7t h\u1ea1i g\u00e2y ra cho b\u00ean th\u1ee9 ba. C\u00f3 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 nh\u01b0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c, b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe, b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe, mang \u0111\u1ebfn s\u1ef1 an t\u00e2m v\u00e0 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n ho\u1eb7c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd.<\/p>\n<p style=\"text-align: justify;\">Vai tr\u00f2 c\u1ee7a b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi n\u00f3i chung l\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n v\u00e0 c\u00e1c b\u00ean li\u00ean quan trong c\u00e1c t\u00ecnh hu\u1ed1ng r\u1ee7i ro, gi\u00fap gi\u1ea3m thi\u1ec3u t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh v\u00e0 tr\u00e1nh nh\u1eefng r\u1ee7i ro ph\u00e1p l\u00fd. \u0110\u1ed3ng th\u1eddi c\u00f2n g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t m\u00f4i tr\u01b0\u1eddng giao th\u00f4ng an to\u00e0n h\u01a1n b\u1eb1ng c\u00e1ch t\u1ea1o ra c\u01a1 ch\u1ebf b\u1ed3i th\u01b0\u1eddng nhanh ch\u00f3ng v\u00e0 minh b\u1ea1ch, gi\u00fap c\u00e1c b\u00ean tham gia giao th\u00f4ng y\u00ean t\u00e2m h\u01a1n trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n.<\/p>\n<p><em><strong>Xem th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-5-cho\" target=\"_blank\" rel=\"noopener\">Mua b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 5 ch\u1ed7 b\u1eaft bu\u1ed9c nhanh ch\u00f3ng 07\/2026<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-xe-o-to-7-cho\" target=\"_blank\" rel=\"noopener\">Quy\u1ec1n l\u1ee3i v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 7 ch\u1ed7 b\u1eaft bu\u1ed9c 07\/2026<\/a><\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_419\" aria-describedby=\"caption-attachment-419\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-419 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/bao-hiem-o-to-xe-4-cho-dam-bao-quyen-loi-toi-da-cua-chu-xe.jpg\" alt=\"B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 xe 4 ch\u1ed7 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i t\u1ed1i \u0111a c\u1ee7a ch\u1ee7 xe\" width=\"600\" height=\"421\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/bao-hiem-o-to-xe-4-cho-dam-bao-quyen-loi-toi-da-cua-chu-xe.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/bao-hiem-o-to-xe-4-cho-dam-bao-quyen-loi-toi-da-cua-chu-xe-300x211.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/bao-hiem-o-to-xe-4-cho-dam-bao-quyen-loi-toi-da-cua-chu-xe-150x105.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-419\" class=\"wp-caption-text\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 xe 4 ch\u1ed7 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i t\u1ed1i \u0111a c\u1ee7a ch\u1ee7 xe<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_TNDS_bat_buoc_xe_o_to_4_cho\"><\/span><strong>B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c xe \u00f4 t\u00f4 4 ch\u1ed7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 (TNDS) <strong>b\u1eaft bu\u1ed9c xe \u00f4 t\u00f4 4 ch\u1ed7<\/strong> l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho b\u00ean th\u1ee9 ba khi ch\u1ee7 xe g\u00e2y ra tai n\u1ea1n. B\u1ea3o hi\u1ec3m n\u00e0y b\u1ed3i th\u01b0\u1eddng cho thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a n\u1ea1n nh\u00e2n trong c\u00e1c v\u1ee5 tai n\u1ea1n do ch\u1ee7 xe g\u00e2y ra.<\/p>\n<p><strong>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 t\u00ednh m\u1ea1ng cho b\u00ean th\u1ee9 ba l\u00ean \u0111\u1ebfn 150 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/v\u1ee5.<\/li>\n<li aria-level=\"1\">B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n cho b\u00ean th\u1ee9 ba v\u1edbi m\u1ee9c t\u1ed1i \u0111a 100 tri\u1ec7u \u0111\u1ed3ng\/v\u1ee5 tai n\u1ea1n.<\/li>\n<li aria-level=\"1\">M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh v\u00e0 \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t, c\u1ed1 \u0111\u1ecbnh nh\u01b0 sau:<\/li>\n<li aria-level=\"1\">M\u1ee9c ph\u00ed tham gia b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c cho xe \u00f4 t\u00f4 4 ch\u1ed7 kh\u00f4ng \u0111\u0103ng k\u00fd kinh doanh hi\u1ec7n t\u1ea1i l\u00e0 480.700 VND\/n\u0103m (\u0111\u00e3 bao g\u1ed3m VAT).<\/li>\n<li aria-level=\"1\">\u0110\u1ed1i v\u1edbi xe \u0111\u0103ng k\u00fd kinh doanh th\u00ec m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd l\u00e0 831.600 VN\u0110\/xe\/n\u0103m (\u0111\u00e3 bao g\u1ed3m VAT).<\/li>\n<\/ul>\n<p><strong>\u0110i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">B\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 cho thi\u1ec7t h\u1ea1i g\u00e2y ra khi ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p l\u1ec7.<\/li>\n<li aria-level=\"1\">Tai n\u1ea1n x\u1ea3y ra khi xe kh\u00f4ng \u0111\u1ea3m b\u1ea3o an to\u00e0n k\u1ef9 thu\u1eadt theo quy \u0111\u1ecbnh.<\/li>\n<li aria-level=\"1\">Thi\u1ec7t h\u1ea1i do c\u1ed1 \u00fd g\u00e2y ra b\u1edfi ch\u1ee7 xe ho\u1eb7c ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe.<\/li>\n<li aria-level=\"1\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p xe s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch \u0111ua xe tr\u00e1i ph\u00e9p, ch\u1ea1y th\u1eed nghi\u1ec7m.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-bat-buoc-tnds-o-to\" target=\"_blank\" rel=\"noopener\">Mua b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/strong> kh\u00f4ng ch\u1ec9 l\u00e0 ngh\u0129a v\u1ee5 ph\u00e1p l\u00fd m\u00e0 c\u00f2n l\u00e0 gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh quan tr\u1ecdng cho ch\u1ee7 xe v\u00e0 g\u00f3p ph\u1ea7n t\u1ea1o n\u00ean m\u00f4i tr\u01b0\u1eddng giao th\u00f4ng an to\u00e0n h\u01a1n.<\/p>\n<figure id=\"attachment_421\" aria-describedby=\"caption-attachment-421\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-421 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/nam-ro-cac-thong-tin-khi-chon-mua-bao-hiem-xe-o-to-4-cho.jpg\" alt=\"N\u1eafm r\u00f5 c\u00e1c th\u00f4ng tin khi ch\u1ecdn mua b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7\" width=\"600\" height=\"368\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/nam-ro-cac-thong-tin-khi-chon-mua-bao-hiem-xe-o-to-4-cho.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/nam-ro-cac-thong-tin-khi-chon-mua-bao-hiem-xe-o-to-4-cho-300x184.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/nam-ro-cac-thong-tin-khi-chon-mua-bao-hiem-xe-o-to-4-cho-150x92.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-421\" class=\"wp-caption-text\">N\u1eafm r\u00f5 c\u00e1c th\u00f4ng tin khi ch\u1ecdn mua b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_vat_chat_xe_o_to_4_cho\"><\/span><strong>B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 4 ch\u1ed7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 4 ch\u1ed7 l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, gi\u00fap b\u1ea3o v\u1ec7 xe tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro g\u00e2y h\u01b0 h\u1ecfng ho\u1eb7c m\u1ea5t m\u00e1t. Khi tham gia lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, ch\u1ee7 xe s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i do va ch\u1ea1m, tai n\u1ea1n, ch\u00e1y n\u1ed5, thi\u00ean tai ho\u1eb7c tr\u1ed9m c\u1eafp, gi\u00fap gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi c\u00f3 s\u1ef1 c\u1ed1 kh\u00f4ng mong mu\u1ed1n x\u1ea3y ra.<\/p>\n<p><strong>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t xe do va ch\u1ea1m, l\u1eadt, \u0111\u1ed5, ho\u1eb7c c\u00e1c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd kh\u00e1c, v\u1edbi gi\u00e1 tr\u1ecb b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf c\u1ee7a xe.<\/li>\n<li aria-level=\"1\">B\u1ed3i th\u01b0\u1eddng m\u1ea5t c\u1eafp to\u00e0n b\u1ed9 xe trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb tr\u1ed9m v\u00e0 kh\u00f4ng t\u00ecm l\u1ea1i \u0111\u01b0\u1ee3c.<\/li>\n<li aria-level=\"1\">H\u1ed7 tr\u1ee3 chi ph\u00ed s\u1eeda ch\u1eefa, thay th\u1ebf linh ki\u1ec7n khi xe b\u1ecb h\u01b0 h\u1ecfng do c\u00e1c s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n<\/ul>\n<p><strong>M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong><\/p>\n<p style=\"text-align: justify;\">M\u1ee9c <strong>ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe<\/strong> th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 1,4% \u0111\u1ebfn 2% gi\u00e1 tr\u1ecb xe t\u00f9y thu\u1ed9c v\u00e0o h\u00e3ng xe, \u0111\u1eddi xe v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung m\u00e0 ch\u1ee7 xe l\u1ef1a ch\u1ecdn. V\u00ed d\u1ee5, n\u1ebfu xe tr\u1ecb gi\u00e1 500 tri\u1ec7u \u0111\u1ed3ng, m\u1ee9c ph\u00ed c\u00f3 th\u1ec3 t\u1eeb 7 &#8211; 10 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m.<\/p>\n<p><strong>\u0110i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb:<\/strong><\/p>\n<ul>\n<li style=\"text-align: justify;\">Thi\u1ec7t h\u1ea1i x\u1ea3y ra khi ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p l\u1ec7 ho\u1eb7c vi ph\u1ea1m lu\u1eadt giao th\u00f4ng nghi\u00eam tr\u1ecdng.<\/li>\n<li style=\"text-align: justify;\">Xe b\u1ecb h\u01b0 h\u1ecfng do chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1, ho\u1eb7c c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ea5n c\u00f4ng c\u00f3 t\u1ed5 ch\u1ee9c.<\/li>\n<li style=\"text-align: justify;\">Xe tham gia c\u00e1c cu\u1ed9c \u0111ua tr\u00e1i ph\u00e9p, ho\u1eb7c v\u1eadn h\u00e0nh trong \u0111i\u1ec1u ki\u1ec7n kh\u00f4ng an to\u00e0n k\u1ef9 thu\u1eadt.<\/li>\n<li style=\"text-align: justify;\">H\u1ecfng h\u00f3c xe do s\u1eed d\u1ee5ng kh\u00f4ng \u0111\u00fang m\u1ee5c \u0111\u00edch ho\u1eb7c qu\u00e1 t\u1ea3i tr\u1ecdng cho ph\u00e9p.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-vat-chat-xe\" target=\"_blank\" rel=\"noopener\">Mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/a><\/strong> mang l\u1ea1i s\u1ef1 y\u00ean t\u00e2m cho ch\u1ee7 xe, gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n, s\u1ef1 c\u1ed1 hay m\u1ea5t m\u00e1t xe, \u0111\u1ea3m b\u1ea3o xe lu\u00f4n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1t nh\u1ea5t trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng.<\/p>\n<p><em><strong>B\u1ea1n c\u00f3 th\u1ec3 quan t\u00e2m:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-vat-chat-xe-o-to-bao-nhieu\" target=\"_blank\" rel=\"noopener\">Mua b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4 bao nhi\u00eau ti\u1ec1n?<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/co-nen-mua-bao-hiem-than-vo-xe-o-to\" target=\"_blank\" rel=\"noopener\">C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u00e2n v\u1ecf xe \u00f4 t\u00f4 hay kh\u00f4ng?<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_van_de_can_biet_khi_chon_mua_bao_hiem_o_to_4_cho\"><\/span><strong>M\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 c\u1ea7n bi\u1ebft khi ch\u1ecdn mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 4 ch\u1ed7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_420\" aria-describedby=\"caption-attachment-420\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-420 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/phi-bao-hiem-xe-o-to-duoc-quy-dinh-ro-rang.jpg\" alt=\"Ph\u00ed b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng\" width=\"600\" height=\"360\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/phi-bao-hiem-xe-o-to-duoc-quy-dinh-ro-rang.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/phi-bao-hiem-xe-o-to-duoc-quy-dinh-ro-rang-300x180.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/07\/phi-bao-hiem-xe-o-to-duoc-quy-dinh-ro-rang-150x90.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-420\" class=\"wp-caption-text\">Ph\u00ed b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 4 ch\u1ed7 th\u00ec b\u1ea1n c\u1ea7n ph\u1ea3i n\u1eafm \u0111\u01b0\u1ee3c m\u1ed9t v\u00e0i nh\u1eefng th\u00f4ng tin chia s\u1ebb sau \u0111\u00e2y.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cong_ty_bao_hiem_se_cham_dut_hop_dong_trong_cac_truong_hop\"><\/span><strong>C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">Nh\u1eefng xe \u00f4 t\u00f4 \u0111\u00e3 b\u1ecb c\u01a1 quan ch\u1ee9c n\u0103ng thu h\u1ed3i bi\u1ec3n s\u1ed1 hay gi\u1ea5y ph\u00e9p \u0111\u0103ng k\u00fd.<\/li>\n<li aria-level=\"1\">Nh\u1eefng xe \u00f4 t\u00f4 \u0111\u00e3 h\u1ebft ni\u00ean h\u1ea1n theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a lu\u1eadt ph\u00e1p.<\/li>\n<li aria-level=\"1\">Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb m\u1ea5t c\u01b0\u1edbp v\u00e0 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u1eeb c\u00f4ng an.<\/li>\n<li aria-level=\"1\">Xe b\u1ecb ph\u00e1 h\u1ee7y v\u00e0 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng s\u1eeda ch\u1eefa v\u00e0 \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn b\u1edfi c\u00f4ng an.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_truong_hop_cong_ty_bao_hiem_khong_boi_thuong\"><\/span><strong>M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ed3i th\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">Khi ch\u1ee7 xe c\u1ed1 t\u00ecnh g\u00e2y tai n\u1ea1n.<\/li>\n<li aria-level=\"1\">Nh\u1eefng ch\u1ee7 xe kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ee3p ph\u00e1p.<\/li>\n<li aria-level=\"1\">Nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n kh\u00e1c ngo\u00e0i \u00f4 t\u00f4 nh\u01b0: M\u1ea5t ti\u1ec1n b\u1ea1c, trang s\u1ee9c, \u0111\u00e1 qu\u00fd c\u00f3 trong xe \u00f4 t\u00f4.<\/li>\n<li aria-level=\"1\">Xe x\u1ea3y ra s\u1ef1 c\u1ed1 do chi\u1ebfn tranh, kh\u1ee7ng b\u1ed1 hay \u0111\u1ed9ng \u0111\u1ea5t.<\/li>\n<li aria-level=\"1\">Nh\u1eefng tai n\u1ea1n x\u1ea3y ra do ch\u1ee7 xe c\u1ed1 t\u00ecnh ch\u1ea1y tr\u1ed1n tr\u00e1ch nhi\u1ec7m.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Nh\u01b0 v\u1eady, <span style=\"text-decoration: underline;\">b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 4 ch\u1ed7<\/span> l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ea3m b\u1ea3o r\u1ea5t nhi\u1ec1u quy\u1ec1n l\u1ee3i cho ch\u1ee7 xe, t\u00e0i s\u1ea3n xe v\u00e0 nh\u1eefng ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe khi tham gia giao th\u00f4ng. Ngo\u00e0i b\u1ea3o hi\u1ec3m d\u00e2n s\u1ef1 th\u00ec c\u00f3 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau gi\u00fap b\u1ea3o v\u1ec7 \u00f4 t\u00f4 c\u1ee7a b\u1ea1n. Kh\u00e1ch h\u00e0ng n\u00ean li\u00ean h\u1ec7 v\u1edbi <strong><a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\">B\u1ea3o Hi\u1ec3m Tasco<\/a><\/strong> \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi nhu c\u1ea7u c\u1ee7a c\u00e1c ch\u1ee7 xe.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nhu c\u1ea7u s\u1eed d\u1ee5ng xe \u00f4 t\u00f4 4 ch\u1ed7 hi\u1ec7n nay r\u1ea5t ph\u1ed5 bi\u1ebfn hi\u1ec7n nay \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng th\u00e0nh ph\u1ed1 l\u1edbn. Khi mua xe th\u00ec m\u1ecdi ng\u01b0\u1eddi c\u1ea7n ph\u1ea3i mua b\u1ea3o hi\u1ec3m xe v\u00e0 t\u00f9y t\u1eebng lo\u1ea1i xe c\u00f3 m\u1ee9c ph\u00ed kh\u00e1c nhau. N\u1ebfu xe c\u1ee7a b\u1ea1n l\u00e0 4 ch\u1ed7 h\u00e3y tham kh\u1ea3o [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":933,"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-72","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\/72","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=72"}],"version-history":[{"count":14,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/72\/revisions"}],"predecessor-version":[{"id":1114,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/72\/revisions\/1114"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/933"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=72"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=72"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=72"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}