{"id":3842,"date":"2021-03-16T08:43:04","date_gmt":"2021-03-16T07:43:04","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenia-komunikacyjne-jakie-sa-ich-rodzaje-jak-zglaszac-szkody\/"},"modified":"2026-09-14T11:52:14","modified_gmt":"2026-09-14T09:52:14","slug":"bao-hiem-giao-thong-co-nhung-loai-nao-lam-the-nao-de-khai-bao-thiet-hai","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/vi\/poradnik\/ubezpieczenie-oc\/ubezpieczenia-komunikacyjne-jakie-sa-ich-rodzaje-jak-zglaszac-szkody\/","title":{"rendered":"B\u1ea3o hi\u1ec3m giao th\u00f4ng \u2013 c\u00f3 nh\u1eefng lo\u1ea1i n\u00e0o? L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khai b\u00e1o thi\u1ec7t h\u1ea1i?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4: B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC), B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC), B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW), D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (Assistance) \u2013 h\u00e3y t\u00ecm hi\u1ec3u chi ti\u1ebft nh\u1eefng g\u00ec \u1ea9n ch\u1ee9a \u0111\u1eb1ng sau c\u00e1c t\u00ean g\u1ecdi n\u00e0y, nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o m\u00e0 b\u1ea1n, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 xe, b\u1eaft bu\u1ed9c ph\u1ea3i mua, v\u00e0 nh\u1eefng lo\u1ea1i n\u00e0o l\u00e0 t\u1ef1 nguy\u1ec7n. Ch\u00fang t\u00f4i c\u0169ng s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y khi x\u1ea3y ra s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m giao th\u00f4ng l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn nh\u1ea5t. Kh\u00f4ng c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o l\u1ea1i kh\u00f4ng cung c\u1ea5p lo\u1ea1i s\u1ea3n ph\u1ea9m n\u00e0y. Do \u0111\u00f3, b\u1ea1n n\u00ean t\u00ecm hi\u1ec3u xem v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi l\u00e1i xe, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 n\u00e0o cho b\u1ea3n th\u00e2n v\u00e0 h\u00e0nh kh\u00e1ch, c\u0169ng nh\u01b0 n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o cho chi\u1ebfc xe c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m giao th\u00f4ng ph\u1ed5 bi\u1ebfn nh\u1ea5t:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m duy nh\u1ea5t m\u00e0 b\u1ea1n b\u1eaft bu\u1ed9c ph\u1ea3i mua v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 s\u1edf h\u1eefu xe \u00f4 t\u00f4, ch\u1eadm nh\u1ea5t l\u00e0 v\u00e0o ng\u00e0y \u0111\u0103ng k\u00fd xe. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 nh\u01b0 nhau \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi Lu\u1eadt B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, UFG v\u00e0 PBUK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 giao th\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n cho nh\u1eefng thi\u1ec7t h\u1ea1i m\u00e0 b\u1ea1n g\u00e2y ra cho nh\u1eefng ng\u01b0\u1eddi tham gia giao th\u00f4ng kh\u00e1c. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u1ea3 t\u00e0i s\u1ea3n, s\u1ee9c kh\u1ecfe v\u00e0 t\u00ednh m\u1ea1ng c\u1ee7a nh\u1eefng ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i trong v\u1ee5 tai n\u1ea1n do l\u1ed7i c\u1ee7a b\u1ea1n g\u00e2y ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 b\u1ecf qua, b\u1edfi v\u00ec vi\u1ec7c kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n, v\u00e0 m\u1ee9c ph\u1ea1t \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean lo\u1ea1i xe c\u0169ng nh\u01b0 th\u1eddi gian kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m. N\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong th\u1eddi gian tr\u00ean 14 ng\u00e0y, m\u1ee9c ph\u1ea1t cao nh\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u2013 3.500 z\u0142 \u0111\u1ed1i v\u1edbi xe \u00f4 t\u00f4 con (n\u0103m 2015).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/vi\/chiec-xe\/bao-hiem-trach-nhiem-dan-su\/\">Th\u00f4ng tin th\u00eam v\u1ec1 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. AC (b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n) \u2013 b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi ch\u1ed1ng tr\u1ed9m c\u1eafp v\u00e0 h\u01b0 h\u1ecfng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd \u0111\u1ea3m b\u1ea3o cho b\u1ea1n kho\u1ea3n b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p xe \u00f4 t\u00f4 c\u0169ng nh\u01b0 c\u00e1c trang thi\u1ebft b\u1ecb tr\u00ean xe b\u1ecb h\u01b0 h\u1ecfng ho\u1eb7c m\u1ea5t m\u00e1t. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 giao th\u00f4ng, s\u1ebd chi tr\u1ea3 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng tr\u1ef1c ti\u1ebfp cho b\u1ea1n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m AC bao g\u1ed3m c\u00e1c thi\u1ec7t h\u1ea1i ph\u00e1t sinh do:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>va ch\u1ea1m gi\u1eefa c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n, va ch\u1ea1m v\u1edbi ng\u01b0\u1eddi, \u0111\u1ed9ng v\u1eadt ho\u1eb7c c\u00e1c v\u1eadt th\u1ec3 b\u00ean ngo\u00e0i xe (v\u00ed d\u1ee5: \u0111\u00e2m v\u00e0o t\u00f2a nh\u00e0), h\u01b0 h\u1ecfng xe do b\u00ean th\u1ee9 ba g\u00e2y ra,<\/li>\n\n\n<li>c\u00e1c s\u1ef1 c\u1ed1 ng\u1eabu nhi\u00ean, v\u00ed d\u1ee5 nh\u01b0 h\u1ecfa ho\u1ea1n, n\u1ed5, ng\u1eadp n\u01b0\u1edbc, t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00e1c hi\u1ec7n t\u01b0\u1ee3ng thi\u00ean nhi\u00ean (v\u00ed d\u1ee5 nh\u01b0 b\u00e3o), t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 nhi\u1ec7t ho\u1eb7c h\u00f3a h\u1ecdc t\u1eeb b\u00ean ngo\u00e0i ph\u01b0\u01a1ng ti\u1ec7n,<\/li>\n\n\n<li>tr\u1ed9m c\u1eafp xe \u00f4 t\u00f4 ho\u1eb7c c\u00e1c b\u1ed9 ph\u1eadn, ph\u1ee5 ki\u1ec7n c\u1ee7a xe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng n\u1ebfu h\u1ecd x\u00e1c \u0111\u1ecbnh r\u1eb1ng v\u1ee5 tr\u1ed9m xe l\u00e0 do s\u1ef1 b\u1ea5t c\u1ea9n (v\u00ed d\u1ee5: \u0111\u1ec3 ch\u00eca kh\u00f3a trong \u1ed5 kh\u00f3a) ho\u1eb7c do b\u1ea1n g\u00e2y ra va ch\u1ea1m khi l\u00e1i xe trong t\u00ecnh tr\u1ea1ng say r\u01b0\u1ee3u ho\u1eb7c s\u1eed d\u1ee5ng ma t\u00fay. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC) s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh to\u00e1n t\u00f9y thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n l\u1ef1a ch\u1ecdn. B\u1ea1n c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m, v\u00ed d\u1ee5 nh\u01b0 th\u00eam b\u1ea3o hi\u1ec3m k\u00ednh xe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/vi\/chiec-xe\/bao-hiem-ac\/\">Th\u00f4ng tin chi ti\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m AC.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u2013 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 k\u00e9o xe<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y c\u0169ng l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m giao th\u00f4ng t\u1ef1 nguy\u1ec7n, th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p d\u01b0\u1edbi d\u1ea1ng g\u00f3i k\u1ebft h\u1ee3p v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) ho\u1eb7c b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC). B\u1ea1n n\u00ean c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y v\u00ec n\u00f3 cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 24\/7 trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u1ecfng h\u00f3c ho\u1eb7c va ch\u1ea1m. Tr\u01b0\u1edbc h\u1ebft, n\u00f3 \u0111\u1ea3m b\u1ea3o h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt. Do \u0111\u00f3, b\u1ea1n kh\u00f4ng c\u1ea7n lo l\u1eafng v\u1ec1 vi\u1ec7c s\u1eafp x\u1ebfp vi\u1ec7c k\u00e9o xe \u0111\u1ebfn x\u01b0\u1edfng s\u1eeda ch\u1eefa khi xe \u0111\u1ed9t ng\u1ed9t g\u1eb7p s\u1ef1 c\u1ed1 ngay gi\u1eefa trung t\u00e2m th\u00e0nh ph\u1ed1 hay tr\u00ean \u0111\u01b0\u1eddng \u0111i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1ecbch v\u1ee5 H\u1ed7 tr\u1ee3 (Assistance) c\u00f2n bao g\u1ed3m c\u1ea3 h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 th\u1eadm ch\u00ed l\u00e0 h\u1ed7 tr\u1ee3 ph\u00e1p l\u00fd, m\u00e0 kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi l\u00e1i xe m\u00e0 c\u1ea3 h\u00e0nh kh\u00e1ch tr\u00ean chi\u1ebfc xe \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c. C\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung \u0111\u01b0\u1ee3c cung c\u1ea5p trong khu\u00f4n kh\u1ed5 D\u1ecbch v\u1ee5 H\u1ed7 tr\u1ee3 Giao th\u00f4ng bao g\u1ed3m, trong s\u1ed1 nh\u1eefng d\u1ecbch v\u1ee5 kh\u00e1c:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>t\u1ed5 ch\u1ee9c v\u00e0 chi tr\u1ea3 chi ph\u00ed v\u1eadn chuy\u1ec3n c\u00e1c ph\u1ee5 t\u00f9ng thay th\u1ebf c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1eeda ch\u1eefa ph\u01b0\u01a1ng ti\u1ec7n m\u00e0 x\u01b0\u1edfng hi\u1ec7n kh\u00f4ng c\u00f3 s\u1eb5n,<\/li>\n\n\n<li>chi tr\u1ea3 chi ph\u00ed thu\u00ea xe thay th\u1ebf trong th\u1eddi gian s\u1eeda ch\u1eefa,<\/li>\n\n\n<li>cung c\u1ea5p nhi\u00ean li\u1ec7u cho ph\u01b0\u01a1ng ti\u1ec7n (kh\u00f4ng bao g\u1ed3m chi ph\u00ed nhi\u00ean li\u1ec7u).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00f4i khi, trong g\u00f3i b\u1ea3o hi\u1ec3m h\u1ed7 tr\u1ee3 giao th\u00f4ng c\u01a1 b\u1ea3n, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u1edf n\u01b0\u1edbc ngo\u00e0i. Tuy nhi\u00ean, lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y th\u01b0\u1eddng y\u00eau c\u1ea7u ph\u1ea3i \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi mua g\u00f3i h\u1ed7 tr\u1ee3, b\u1ea1n n\u00ean ki\u1ec3m tra c\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 d\u1ecbch v\u1ee5 k\u00e9o xe v\u00e0 xem li\u1ec7u b\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 sau khi x\u1ea3y ra va ch\u1ea1m hay c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u1ecfng h\u00f3c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/vi\/chiec-xe\/ho-tro\/\">B\u1ea3o hi\u1ec3m H\u1ed7 tr\u1ee3 \u2013 T\u1ea5t c\u1ea3 th\u00f4ng tin.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u00e1i xe v\u00e0 h\u00e0nh kh\u00e1ch<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho c\u00e1c h\u1eadu qu\u1ea3 do tai n\u1ea1n b\u1ea5t ng\u1edd (NNW). \u0110\u1ed1i t\u01b0\u1ee3ng c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n n\u00e0y l\u00e0 nh\u1eefng h\u1eadu qu\u1ea3 l\u00e2u d\u00e0i do tai n\u1ea1n b\u1ea5t ng\u1edd g\u00e2y ra, d\u1eabn \u0111\u1ebfn th\u01b0\u01a1ng t\u00edch, t\u1ed5n h\u1ea1i v\u0129nh vi\u1ec5n v\u1ec1 s\u1ee9c kh\u1ecfe ho\u1eb7c t\u1eed vong c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng th\u01b0\u1eddng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p hai l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m tai n\u1ea1n \u2013 d\u00e0nh cho ng\u01b0\u1eddi l\u00e1i xe ho\u1eb7c d\u00e0nh cho c\u1ea3 ng\u01b0\u1eddi l\u00e1i xe v\u00e0 h\u00e0nh kh\u00e1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/vi\/chiec-xe\/bao-hiem-tai-nan-lao-dong\/\">Th\u00f4ng tin chi ti\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u00ean g\u00e2y ra tai n\u1ea1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i th\u00f4ng b\u00e1o v\u1ec1 v\u1ee5 tai n\u1ea1n cho c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01a1i ng\u01b0\u1eddi g\u00e2y tai n\u1ea1n \u0111\u00e3 mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tuy nhi\u00ean, tr\u01b0\u1edbc khi l\u00e0m \u0111i\u1ec1u \u0111\u00f3, h\u00e3y l\u01b0u \u00fd m\u1ed9t s\u1ed1 chi ti\u1ebft ngay t\u1ea1i hi\u1ec7n tr\u01b0\u1eddng v\u1ee5 vi\u1ec7c, v\u00e0 tr\u00ean h\u1ebft l\u00e0 vi\u1ec7c l\u1eadp bi\u00ean b\u1ea3n t\u01b0\u1eddng tr\u00ecnh. Ngh\u0129a v\u1ee5 n\u00e0y thu\u1ed9c v\u1ec1 ng\u01b0\u1eddi g\u00e2y ra v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>T\u00e0i li\u1ec7u n\u00e0y c\u1ea7n bao g\u1ed3m: h\u1ecd v\u00e0 t\u00ean, \u0111\u1ecba ch\u1ec9, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tham gia v\u00e0 c\u00e1c nh\u00e2n ch\u1ee9ng, c\u0169ng nh\u01b0 th\u00f4ng tin v\u1ec1 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c: nh\u00e3n hi\u1ec7u, m\u1eabu xe v\u00e0 s\u1ed1 \u0111\u0103ng k\u00fd.<\/li>\n\n\n<li>Trong b\u1ea3n t\u01b0\u1eddng tr\u00ecnh, kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf qua th\u00f4ng tin v\u1ec1 c\u00e1c h\u01b0 h\u1ecfng c\u1ee7a xe \u00f4 t\u00f4 c\u0169ng nh\u01b0 m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 v\u1ee5 va ch\u1ea1m, bao g\u1ed3m ng\u00e0y, \u0111\u1ecba \u0111i\u1ec3m, th\u1eddi gian v\u00e0 c\u00e1c chi ti\u1ebft li\u00ean quan \u0111\u1ebfn ho\u00e0n c\u1ea3nh v\u1ee5 vi\u1ec7c.<\/li>\n\n\n<li>Ng\u01b0\u1eddi g\u00e2y ra s\u1ef1 c\u1ed1 c\u1ea7n cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a m\u00ecnh v\u00e0 ghi r\u00f5 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u00e3 c\u1ea5p h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/li>\n\n\n<li>Ng\u01b0\u1eddi g\u00e2y ra v\u1ee5 vi\u1ec7c n\u00ean tuy\u00ean b\u1ed1 r\u1eb1ng m\u00ecnh th\u1eeba nh\u1eadn t\u1ed9i l\u1ed7i. Tuy\u00ean b\u1ed1 n\u00e0y c\u1ea7n c\u00f3 ch\u1eef k\u00fd c\u1ee7a t\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi l\u1eadp b\u1ea3n t\u01b0\u1eddng tr\u00ecnh, b\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi g\u00e2y tai n\u1ea1n, v\u00ed d\u1ee5 nh\u01b0 qua \u0111i\u1ec7n tho\u1ea1i, tr\u1ef1c ti\u1ebfp t\u1ea1i chi nh\u00e1nh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1eb1ng c\u00e1ch \u0111i\u1ec1n v\u00e0o bi\u1ec3u m\u1eabu tr\u1ef1c tuy\u1ebfn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi b\u1eaft \u0111\u1ea7u qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd g\u1eedi th\u01b0 cho ng\u01b0\u1eddi g\u00e2y ra s\u1ef1 c\u1ed1, y\u00eau c\u1ea7u ng\u01b0\u1eddi n\u00e0y x\u00e1c nh\u1eadn b\u1ea3n t\u01b0\u1eddng tr\u00ecnh \u0111\u00e3 l\u1eadp v\u00e0 cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 s\u1ef1 c\u00f3 m\u1eb7t c\u1ee7a chuy\u00ean gia th\u1ea9m \u0111\u1ecbnh t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u00ean g\u00e2y tai n\u1ea1n, ng\u01b0\u1eddi n\u00e0y s\u1ebd \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 h\u01b0 h\u1ecfng c\u1ee7a xe v\u00e0 l\u1eadp h\u1ed3 s\u01a1. Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u1ecbnh gi\u00e1 chi ph\u00ed s\u1eeda ch\u1eefa v\u00e0 th\u00f4ng b\u00e1o m\u1ee9c b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi gian ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng th\u01b0\u1eddng l\u00e0 30 ng\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u \u0111\u00e1ng l\u01b0u \u00fd l\u00e0 k\u1ec3 t\u1eeb n\u0103m 2015, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 cho ph\u00e9p gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i tr\u1ef1c ti\u1ebfp. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 n\u1ea1n nh\u00e2n trong v\u1ee5 tai n\u1ea1n, b\u1ea1n c\u00f3 th\u1ec3 th\u00f4ng b\u00e1o v\u1ee5 vi\u1ec7c cho ch\u00ednh c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n \u0111\u00e3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC). Khi \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n s\u1ebd lo li\u1ec7u t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c, chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng, v\u00e0 sau \u0111\u00f3 y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u00ean g\u00e2y tai n\u1ea1n ho\u00e0n tr\u1ea3 chi ph\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Xem th\u00eam: D\u1ecbch v\u1ee5 gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng tr\u1ef1c ti\u1ebfp \u0111\u00e3 tr\u1edf th\u00e0nh hi\u1ec7n th\u1ef1c. T\u00e1m c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang cung c\u1ea5p d\u1ecbch v\u1ee5 BLS<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m AC \u2013 l\u00e0m th\u1ebf n\u00e0o v\u00e0 khi n\u00e0o \u0111\u1ec3 khai b\u00e1o thi\u1ec7t h\u1ea1i?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c xe b\u1ecb tr\u1ed9m ph\u1ea3i \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o cho c\u1ea3nh s\u00e1t trong v\u00f2ng 24 gi\u1edd k\u1ec3 t\u1eeb khi s\u1ef1 vi\u1ec7c x\u1ea3y ra. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o v\u1ec1 t\u1ed5n th\u1ea5t trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 to\u00e0n di\u1ec7n (AC) trong v\u00f2ng v\u00e0i ng\u00e0y k\u1ec3 t\u1eeb khi s\u1ef1 vi\u1ec7c x\u1ea3y ra. Tuy nhi\u00ean, xin l\u01b0u \u00fd r\u1eb1ng c\u00e1c th\u1eddi h\u1ea1n n\u00e0y c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i thi\u1ec7t h\u1ea1i v\u00e0 m\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd quy \u0111\u1ecbnh ri\u00eang trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), do \u0111\u00f3, ngay sau khi x\u1ea3y ra thi\u1ec7t h\u1ea1i, b\u1ea1n nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i ki\u1ec3m tra xem m\u00ecnh c\u00f3 bao nhi\u00eau th\u1eddi gian \u0111\u1ec3 th\u00f4ng b\u00e1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb tr\u1ed9m, th\u00f4ng th\u01b0\u1eddng b\u1ea1n c\u00f3 24 gi\u1edd k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m ph\u00e1t hi\u1ec7n xe b\u1ecb m\u1ea5t \u0111\u1ec3 th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u01b0 h\u1ecfng th\u00ec l\u1ea1i kh\u00e1c \u2013 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p b\u1ea1n c\u00f3 v\u00e0i ng\u00e0y \u0111\u1ec3 khai b\u00e1o thi\u1ec7t h\u1ea1i, v\u00e0 quy tr\u00ecnh xin b\u1ed3i th\u01b0\u1eddng c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 quy tr\u00ecnh \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m tai n\u1ea1n \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 xin nh\u1eadn?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ed1t nh\u1ea5t b\u1ea1n n\u00ean n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0o cu\u1ed1i qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ngay sau khi k\u1ebft th\u00fac \u0111i\u1ec1u tr\u1ecb. L\u00fac \u0111\u00f3, b\u1ea1n s\u1ebd c\u00f3 \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 v\u1ec1 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i cung c\u1ea5p cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. C\u00e1c b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn v\u1ee5 tai n\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m t\u1eeb b\u1ec7nh vi\u1ec7n, gi\u1ea5y xu\u1ea5t vi\u1ec7n ho\u1eb7c h\u00f3a \u0111\u01a1n thu\u1ed1c ghi t\u00ean ng\u01b0\u1eddi mua. B\u1ea1n c\u00f3 th\u1ec3 th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 qua \u0111i\u1ec7n tho\u1ea1i ch\u1eb3ng h\u1ea1n. \u0110\u1ec3 kh\u00f4ng b\u1ecf l\u1ee1 th\u1eddi h\u1ea1n m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh, h\u00e3y ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) \u0111\u1ec3 bi\u1ebft b\u1ea1n c\u00f3 bao nhi\u00eau th\u1eddi gian \u0111\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y. Sau khi th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean b\u1ea3ng t\u00ednh, m\u00e0 b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee9c b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u0103ng k\u00fd \u2013 v\u00ed d\u1ee5: s\u1ebd l\u00e0 5% c\u1ee7a m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u00f3. Do \u0111\u00f3, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n ph\u1ea3i c\u00e0ng cao c\u00e0ng t\u1ed1t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">H\u1ed7 tr\u1ee3 \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tr\u1ee3 gi\u00fap khi g\u1eb7p s\u1ef1 c\u1ed1 tr\u00ean \u0111\u01b0\u1eddng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c nh\u1eadn h\u1ed7 tr\u1ee3 t\u1eeb g\u00f3i b\u1ea3o hi\u1ec3m Assistance r\u1ea5t \u0111\u01a1n gi\u1ea3n. Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n ho\u1eb7c xe b\u1ecb h\u1ecfng, b\u1ea1n ch\u1ec9 c\u1ea7n g\u1ecdi \u0111\u1ebfn s\u1ed1 \u0111i\u1ec7n tho\u1ea1i do c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. T\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 k\u00e9o xe \u0111\u1ebfn x\u01b0\u1edfng s\u1eeda ch\u1eefa, s\u1eeda ch\u1eefa nh\u1ecf ngay t\u1ea1i hi\u1ec7n tr\u01b0\u1eddng, nh\u1eadn xe thay th\u1ebf trong th\u1eddi gian s\u1eeda ch\u1eefa, v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf ho\u1eb7c v\u1ec1 nh\u00e0, ch\u1ed7 \u1edf t\u1ea1i kh\u00e1ch s\u1ea1n, s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a phi\u00ean d\u1ecbch vi\u00ean, th\u1eadm ch\u00ed c\u1ea3 lu\u1eadt s\u01b0. Th\u00f4ng th\u01b0\u1eddng, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 n\u00e0y ho\u1ea1t \u0111\u1ed9ng 24\/7 v\u00e0 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c c\u00f4ng ty chuy\u00ean nghi\u1ec7p h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4: B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC), B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC), B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW), D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (Assistance) \u2013 h\u00e3y t\u00ecm hi\u1ec3u chi ti\u1ebft nh\u1eefng g\u00ec \u1ea9n ch\u1ee9a \u0111\u1eb1ng sau c\u00e1c t\u00ean g\u1ecdi n\u00e0y, nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o m\u00e0 b\u1ea1n, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 xe, b\u1eaft bu\u1ed9c ph\u1ea3i mua, v\u00e0 nh\u1eefng lo\u1ea1i n\u00e0o l\u00e0 t\u1ef1 nguy\u1ec7n. Ch\u00fang t\u00f4i c\u0169ng s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y khi x\u1ea3y ra s\u1ef1 c\u1ed1.<\/p>","protected":false},"author":1,"featured_media":3722,"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":[71,74,75,70,60],"class_list":["post-3842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-oc","tag-kary-za-brak-oc","tag-obowiazek-ubezpieczenia","tag-polisa-ubezpieczeniowa","tag-ubezpieczenie-oc","tag-ubezpieczenie-samochodu"],"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>Rodzaje ubezpiecze\u0144 komunikacyjnych | Polisarium<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, kt\u00f3re polisy s\u0105 obowi\u0105zkowe, a kt\u00f3re warto wykupi\u0107 dla dodatkowej ochrony. 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