{"id":3802,"date":"2021-03-15T22:23:14","date_gmt":"2021-03-15T21:23:14","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/coraz-wyzsze-kary-nie-odstraszaja-kierowcow-nie-placacych-za-oc\/"},"modified":"2026-09-08T23:28:41","modified_gmt":"2026-09-08T21:28:41","slug":"cac-muc-phat-ngay-cang-cao-van-khong-ran-de-duoc-nhung-tai-xe-khong-dong-bao-hiem-trach-nhiem-dan-su","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/vi\/poradnik\/ubezpieczenie-oc\/coraz-wyzsze-kary-nie-odstraszaja-kierowcow-nie-placacych-za-oc\/","title":{"rendered":"M\u1ee9c ph\u1ea1t ng\u00e0y c\u00e0ng cao v\u1eabn kh\u00f4ng ng\u0103n c\u1ea3n \u0111\u01b0\u1ee3c nh\u1eefng t\u00e0i x\u1ebf kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1"},"content":{"rendered":"<p class=\"wp-block-paragraph\">T\u1eeb th\u00e1ng 1 n\u0103m 2018, m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c s\u1ebd t\u0103ng l\u00ean t\u1edbi 4.2 ngh\u00ecn z\u0142. Tuy nhi\u00ean, d\u00f9 m\u1ee9c ph\u1ea1t ng\u00e0y c\u00e0ng t\u0103ng qua t\u1eebng n\u0103m, tr\u00ean c\u00e1c tuy\u1ebfn \u0111\u01b0\u1eddng Ba Lan v\u1eabn c\u00f2n kho\u1ea3ng 100 ngh\u00ecn ph\u01b0\u01a1ng ti\u1ec7n ch\u01b0a \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Vi\u1ec7c m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi h\u00e0nh vi kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 s\u1ebd t\u0103ng h\u00e0ng n\u0103m \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u1ebft t\u1eeb 5 n\u0103m tr\u01b0\u1edbc. B\u1edfi v\u00ec ch\u00ednh v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3, m\u1ee9c ph\u1ea1t n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh d\u1ef1a tr\u00ean m\u1ee9c l\u01b0\u01a1ng t\u1ed1i thi\u1ec3u. V\u00ec n\u0103m 2018, m\u1ee9c l\u01b0\u01a1ng t\u1ed1i thi\u1ec3u s\u1ebd t\u0103ng 5% \u2013 t\u1eeb 2.000 l\u00ean 2.100 z\u0142 (gross), n\u00ean m\u1ee9c ph\u1ea1t cho vi\u1ec7c kh\u00f4ng tu\u00e2n th\u1ee7 ngh\u0129a v\u1ee5 mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u0169ng s\u1ebd t\u0103ng t\u01b0\u01a1ng \u1ee9ng. M\u1ed7i ch\u1ee7 s\u1edf h\u1eefu xe \u00f4 t\u00f4 con kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c trong h\u01a1n 14 ng\u00e0y s\u1ebd ph\u1ea3i n\u1ed9p ph\u1ea1t 4.200 z\u0142 (hi\u1ec7n t\u1ea1i l\u00e0 4.000 z\u0142). \u0110\u1ed1i v\u1edbi ch\u1ee7 s\u1edf h\u1eefu xe t\u1ea3i, m\u1ee9c ph\u1ea1t s\u1ebd l\u00e0 6.300 z\u0142 (hi\u1ec7n t\u1ea1i l\u00e0 6.000 z\u0142), c\u00f2n \u0111\u1ed1i v\u1edbi xe m\u00e1y ho\u1eb7c xe m\u00e1y \u0111i\u1ec7n \u2013 700 z\u0142 (thay v\u00ec 670 z\u0142).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, m\u1ee9c ph\u1ea1t s\u1ebd th\u1ea5p h\u01a1n n\u1ebfu th\u1eddi gian kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 2 tu\u1ea7n. V\u00ed d\u1ee5, \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u1ee3p l\u1ec7 trong v\u00f2ng 3 ng\u00e0y, m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi xe \u00f4 t\u00f4 con s\u1ebd l\u00e0 840 z\u0142, trong khi t\u1eeb 4 \u0111\u1ebfn 14 ng\u00e0y \u2013 2.100 z\u0142. Theo c\u00e1c chuy\u00ean gia v\u1ec1 gi\u00e1 b\u1ea3o hi\u1ec3m, trong v\u00e0i n\u0103m qua, m\u1ee9c ph\u1ea1t \u0111\u00e3 t\u0103ng nhanh h\u01a1n nhi\u1ec1u so v\u1edbi l\u1ea1m ph\u00e1t. T\u1eeb \u0111\u1ea7u n\u0103m 2011 \u0111\u1ebfn \u0111\u1ea7u n\u0103m 2017, m\u1ee9c t\u0103ng n\u00e0y \u0111\u1ea1t 46%. Trong c\u00f9ng kho\u1ea3ng th\u1eddi gian \u0111\u00f3, m\u1ee9c gi\u00e1 trung b\u00ecnh ch\u1ec9 t\u0103ng 7,5%. V\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf ch\u1ed7, m\u1ee9c ph\u1ea1t ng\u00e0y c\u00e0ng cao l\u1ea1i kh\u00f4ng l\u00e0m gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng t\u00e0i x\u1ebf l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00ean \u0111\u01b0\u1eddng. Theo \u01b0\u1edbc t\u00ednh c\u1ee7a Qu\u1ef9 B\u1ea3o \u0111\u1ea3m B\u1ea3o hi\u1ec3m (UFG), v\u1eabn c\u00f2n kho\u1ea3ng 90.000\u2013100.000 ph\u01b0\u01a1ng ti\u1ec7n nh\u01b0 v\u1eady l\u01b0u th\u00f4ng tr\u00ean c\u00e1c tuy\u1ebfn \u0111\u01b0\u1eddng Ba Lan. T\u1ea1i sao t\u00ecnh tr\u1ea1ng n\u00e0y v\u1eabn ti\u1ebfp di\u1ec5n? \u2013 M\u1ed9t s\u1ed1 t\u00e0i x\u1ebf tr\u00f4ng c\u1eady v\u00e0o may m\u1eafn \u0111\u1ec3 kh\u00f4ng b\u1ecb ph\u00e1t hi\u1ec7n trong c\u00e1c \u0111\u1ee3t ki\u1ec3m tra giao th\u00f4ng; m\u1ed9t s\u1ed1 c\u1ed1 g\u1eafng ti\u1ebft ki\u1ec7m ti\u1ec1n cho ph\u00ed b\u1ea3o hi\u1ec3m, c\u00f2n m\u1ed9t s\u1ed1 th\u00ec \u0111\u01a1n gi\u1ea3n l\u00e0 qu\u00ean \u0111\u00f3ng ph\u00ed \u2013 m\u1ed9t nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Ba Lan gi\u1ea3i th\u00edch. Trong khi \u0111\u00f3, h\u00e0ng n\u0103m, UFG l\u1ea1i g\u1eedi ng\u00e0y c\u00e0ng nhi\u1ec1u th\u00f4ng b\u00e1o y\u00eau c\u1ea7u thanh to\u00e1n do kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c. N\u0103m 2012 c\u00f3 kho\u1ea3ng 42.500 tr\u01b0\u1eddng h\u1ee3p, n\u0103m ngo\u00e1i \u0111\u00e3 l\u00ean t\u1edbi 71.900 tr\u01b0\u1eddng h\u1ee3p, v\u00e0 ch\u1ec9 trong n\u1eeda \u0111\u1ea7u n\u0103m nay \u0111\u00e3 c\u00f3 t\u1edbi 42.200 tr\u01b0\u1eddng h\u1ee3p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 Hi\u1ec7n nay, vi\u1ec7c x\u00e1c \u0111\u1ecbnh ch\u1ee7 s\u1edf h\u1eefu c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u1edd ph\u00e2n t\u00edch d\u1eef li\u1ec7u m\u1ed9t c\u00e1ch k\u1ef9 l\u01b0\u1ee1ng trong c\u01a1 s\u1edf d\u1eef li\u1ec7u b\u1ea3o hi\u1ec3m giao th\u00f4ng to\u00e0n qu\u1ed1c do ch\u00fang t\u00f4i qu\u1ea3n l\u00fd. \u201cHi\u1ec7n nay, \u0111\u00e3 c\u00f3 t\u1edbi hai ph\u1ea7n ba c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n ch\u00ednh b\u1eb1ng c\u00e1ch n\u00e0y,\u201d c\u1ed1 v\u1ea5n c\u1ee7a Ch\u1ee7 t\u1ecbch UFG cho bi\u1ebft. Theo quan s\u00e1t c\u1ee7a qu\u1ef9, v\u1ea5n \u0111\u1ec1 n\u00e0y ng\u00e0y c\u00e0ng th\u01b0\u1eddng xuy\u00ean x\u1ea3y ra v\u1edbi nh\u1eefng t\u00e0i x\u1ebf \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh thanh to\u00e1n b\u1ea3o hi\u1ec3m theo h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p do gi\u00e1 b\u1ea3o hi\u1ec3m t\u0103ng cao. N\u1ebfu do s\u01a1 su\u1ea5t m\u00e0 h\u1ecd kh\u00f4ng thanh to\u00e1n m\u1ed9t trong c\u00e1c k\u1ef3 \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c gia h\u1ea1n sang n\u0103m ti\u1ebfp theo. C\u00e1c kho\u1ea3n ph\u1ea1t do UFG \u00e1p d\u1ee5ng kh\u00f4ng ph\u1ea3i l\u00e0 h\u1eadu qu\u1ea3 nghi\u00eam tr\u1ecdng nh\u1ea5t m\u00e0 nh\u1eefng ch\u1ee7 xe thi\u1ebfu c\u1ea9n tr\u1ecdng c\u00f3 th\u1ec3 ph\u1ea3i g\u00e1nh ch\u1ecbu. \u2013 Ngay c\u1ea3 khi UFG chi tr\u1ea3 cho nh\u1eefng thi\u1ec7t h\u1ea1i do c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 g\u00e2y ra, th\u00ec cu\u1ed1i c\u00f9ng h\u1ecd v\u1eabn s\u1ebd y\u00eau c\u1ea7u c\u00e1c t\u00e0i x\u1ebf ho\u00e0n tr\u1ea3 s\u1ed1 ti\u1ec1n n\u00e0y. V\u00e0 m\u1eb7c d\u00f9 m\u1ee9c thi\u1ec7t h\u1ea1i trung b\u00ecnh l\u00e0 6.000\u20137.000 z\u0142, nh\u01b0ng kh\u00f4ng hi\u1ebfm tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i l\u00ean t\u1edbi v\u00e0i tr\u0103m ngh\u00ecn, th\u1eadm ch\u00ed h\u01a1n m\u1ed9t tri\u1ec7u z\u0142. C\u00e1c chuy\u00ean gia cho r\u1eb1ng, so v\u1edbi c\u00e1c n\u01b0\u1edbc EU kh\u00e1c, Ba Lan \u00e1p d\u1ee5ng h\u00ecnh ph\u1ea1t kh\u00e1 nh\u1eb9 \u0111\u1ed1i v\u1edbi nh\u1eefng t\u00e0i x\u1ebf kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m. \u2013 C\u00f3 l\u1ebd c\u1ea7n xem x\u00e9t li\u1ec7u c\u00e1c quy \u0111\u1ecbnh c\u00f3 n\u00ean \u00e1p d\u1ee5ng h\u00ecnh ph\u1ea1t nh\u01b0 t\u01b0\u1edbc gi\u1ea5y ph\u00e9p l\u00e1i xe t\u1ea1m th\u1eddi \u0111\u1ed1i v\u1edbi h\u00e0nh vi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 hay kh\u00f4ng. N\u1ebfu ai \u0111\u00f3 c\u1ed1 \u00fd v\u00e0 ho\u00e0n to\u00e0n \u00fd th\u1ee9c \u0111\u01b0\u1ee3c vi\u1ec7c kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, bi\u1ebft r\u00f5 r\u1eb1ng m\u00ecnh c\u00f3 th\u1ec3 ph\u1ea3i g\u00e1nh m\u1ed9t kho\u1ea3n n\u1ee3 m\u00e0 kh\u00f4ng th\u1ec3 tr\u1ea3 h\u1ebft trong su\u1ed1t cu\u1ed9c \u0111\u1eddi, th\u00ec nh\u1eefng h\u00ecnh ph\u1ea1t nghi\u00eam kh\u1eafc h\u01a1n c\u0169ng s\u1ebd kh\u00f4ng thuy\u1ebft ph\u1ee5c \u0111\u01b0\u1ee3c h\u1ecd. Do \u0111\u00f3, gi\u1ea3i ph\u00e1p n\u00ean l\u00e0 n\u00e2ng cao nh\u1eadn th\u1ee9c r\u1ed9ng r\u00e3i h\u01a1n cho c\u00e1c ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n v\u1ec1 h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a m\u00ecnh, h\u00e3y tham kh\u1ea3o \u01b0u \u0111\u00e3i n\u00e0y: <a href=\"\/vi\/chiec-xe\/bao-hiem-trach-nhiem-dan-su\/\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u1eeb th\u00e1ng 1 n\u0103m 2018, m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c s\u1ebd t\u0103ng l\u00ean t\u1edbi 4.2 ngh\u00ecn z\u0142. Tuy nhi\u00ean, d\u00f9 m\u1ee9c ph\u1ea1t ng\u00e0y c\u00e0ng t\u0103ng qua t\u1eebng n\u0103m, tr\u00ean c\u00e1c tuy\u1ebfn \u0111\u01b0\u1eddng Ba Lan v\u1eabn c\u00f2n kho\u1ea3ng 100 ngh\u00ecn ph\u01b0\u01a1ng ti\u1ec7n ch\u01b0a \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Vi\u1ec7c m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi vi\u1ec7c kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 s\u1ebd t\u0103ng l\u00ean h\u00e0ng n\u0103m \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u1ebft t\u1eeb tr\u01b0\u1edbc<\/p>","protected":false},"author":1,"featured_media":3725,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[49],"tags":[71,73,70,60,72],"class_list":["post-3802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-oc","tag-kary-za-brak-oc","tag-nieubezpieczone-pojazdy","tag-ubezpieczenie-oc","tag-ubezpieczenie-samochodu","tag-ufg"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kary nie odstraszaj\u0105 kierowc\u00f3w niep\u0142ac\u0105cych OC | Polisarium<\/title>\n<meta name=\"description\" content=\"Kary za brak OC nie s\u0105 w stanie odstraszy\u0107 kierowc\u00f3w od korzystania z nieubezpieczonych pojazd\u00f3w? 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