{"id":3532,"date":"2022-02-27T09:59:30","date_gmt":"2022-02-27T08:59:30","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/pzu-auto-oc\/"},"modified":"2026-10-15T22:06:31","modified_gmt":"2026-10-15T20:06:31","slug":"pzu-bao-hiem-xe-co-gioi","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/vi\/tu\/pzu\/samochod\/pzu-auto-oc\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi PZU"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea1n l\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n c\u01a1 gi\u1edbi? B\u1ea5t k\u1ec3 t\u1ea7n su\u1ea5t s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o, b\u1ea1n v\u1eabn c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1. N\u1ebfu kh\u00f4ng, m\u1ed9t v\u1ee5 tai n\u1ea1n ho\u1eb7c va ch\u1ea1m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn chi ph\u00ed s\u1eeda ch\u1eefa r\u1ea5t cao.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00e0nh cho ai?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c d\u00e0nh cho ch\u1ee7 s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng. C\u00e1c \u0111i\u1ec1u ki\u1ec7n, ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m v\u00e0 gi\u1edbi h\u1ea1n c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt v\u1ec1 B\u1ea3o hi\u1ec3m B\u1eaft bu\u1ed9c, Qu\u1ef9 B\u1ea3o \u0111\u1ea3m B\u1ea3o hi\u1ec3m v\u00e0 V\u0103n ph\u00f2ng B\u1ea3o hi\u1ec3m Giao th\u00f4ng Ba Lan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Khi n\u00e0o v\u00e0 b\u1eb1ng c\u00e1ch n\u00e0o ch\u00fang t\u00f4i c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi g\u00e2y ra tai n\u1ea1n, b\u1ea1n s\u1ebd ph\u1ea3i kh\u1eafc ph\u1ee5c nh\u1eefng thi\u1ec7t h\u1ea1i \u0111\u00e3 g\u00e2y ra ho\u1eb7c b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i \u0111\u00f3. N\u1ebfu b\u1ea1n \u0111\u00e3 tham gia g\u00f3i b\u1ea3o hi\u1ec3m PZU Auto OC, ch\u00fang t\u00f4i s\u1ebd chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng ng\u01b0\u1eddi b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh v\u00e0 li\u00ean quan \u0111\u1ebfn:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>do chuy\u1ec3n \u0111\u1ed9ng c\u1ee7a ph\u01b0\u01a1ng ti\u1ec7n,<\/li>\n\n\n<li>khi l\u00ean ho\u1eb7c xu\u1ed1ng xe,<\/li>\n\n\n<li>vi\u1ec7c b\u1ed1c d\u1ee1 h\u00e0ng h\u00f3a tr\u1ef1c ti\u1ebfp l\u00ean ho\u1eb7c xu\u1ed1ng ph\u01b0\u01a1ng ti\u1ec7n,<\/li>\n\n\n<li>vi\u1ec7c d\u1eebng ho\u1eb7c \u0111\u1ed7 xe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh cho nh\u1eefng thi\u1ec7t h\u1ea1i c\u00f3 gi\u00e1 tr\u1ecb kh\u00f4ng v\u01b0\u1ee3t qu\u00e1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5.210.000 euro cho c\u00e1c thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi (v\u00ed d\u1ee5 nh\u01b0 trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 ng\u01b0\u1eddi t\u1eed vong ho\u1eb7c b\u1ecb th\u01b0\u01a1ng do tai n\u1ea1n),<\/li>\n\n\n<li>1.050.000 euro cho c\u00e1c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n (v\u00ed d\u1ee5: h\u01b0 h\u1ecfng xe \u00f4 t\u00f4, lan can b\u00ean \u0111\u01b0\u1eddng ho\u1eb7c h\u00e0ng r\u00e0o c\u1ee7a khu \u0111\u1ea5t t\u01b0 nh\u00e2n).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m chi tr\u1ea3 cho c\u00e1c thi\u1ec7t h\u1ea1i ph\u00e1t sinh do t\u1eed vong, th\u01b0\u01a1ng t\u1eadt, suy gi\u1ea3m s\u1ee9c kh\u1ecfe ho\u1eb7c m\u1ea5t m\u00e1t, h\u01b0 h\u1ecfng ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n. Ch\u00fang t\u00f4i \u0111\u1ea3m nh\u1eadn vi\u1ec7c s\u1eeda ch\u1eefa ph\u01b0\u01a1ng ti\u1ec7n, chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, tr\u1ee3 c\u1ea5p th\u01b0\u01a1ng t\u1eadt ho\u1eb7c b\u1ed3i th\u01b0\u1eddng trong tr\u01b0\u1eddng h\u1ee3p t\u1eed vong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan, c\u00e1c qu\u1ed1c gia kh\u00e1c thu\u1ed9c Li\u00ean minh Ch\u00e2u \u00c2u, Andorra, Bosnia v\u00e0 Herzegovina, Montenegro, Iceland, Liechtenstein, Na Uy, Serbia, Th\u1ee5y S\u0129 v\u00e0 V\u01b0\u01a1ng qu\u1ed1c Anh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAO UTO \u2013 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i do ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c ng\u01b0\u1eddi s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo g\u00f3i PZU Auto OC g\u00e2y ra trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u khi\u1ec3n ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u00e1 nh\u00e2n UTO, v\u00ed d\u1ee5 nh\u01b0 xe \u0111\u1ea1p, xe l\u0103n ho\u1eb7c xe tay ga,<\/li>\n\n\n<li>PZU H\u1ed7 tr\u1ee3 tr\u00ean \u0111\u01b0\u1eddng Komfort \u2013 c\u00f9ng v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, ch\u00fang t\u00f4i cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u01a1 b\u1ea3n, c\u1ee5 th\u1ec3 l\u00e0 g\u00f3i PZU H\u1ed7 tr\u1ee3 tr\u00ean \u0111\u01b0\u1eddng phi\u00ean b\u1ea3n Komfort,<\/li>\n\n\n<li>Th\u1ebb Xanh \u2013 tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh \u0111\u1ebfn m\u1ed9t s\u1ed1 qu\u1ed1c gia, b\u1ea1n c\u1ea7n ph\u1ea3i c\u00f3 ch\u1ee9ng ch\u1ec9 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 qu\u1ed1c t\u1ebf \u2013 hay c\u00f2n g\u1ecdi l\u00e0 Th\u1ebb Xanh,<\/li>\n\n\n<li>B\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i tr\u1ef1c ti\u1ebfp (BLS) \u2013 n\u1ebfu xe c\u1ee7a b\u1ea1n b\u1ecb h\u01b0 h\u1ecfng do va ch\u1ea1m, b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb ch\u00fang t\u00f4i. Ch\u00fang t\u00f4i s\u1ebd lo li\u1ec7u c\u00e1c th\u1ee7 t\u1ee5c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c v\u00e0 chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho b\u1ea1n,<\/li>\n\n\n<li>Lo\u1ea1i tr\u1eeb t\u1ed5n th\u1ea5t kh\u1ecfi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u2013 nh\u1edd t\u00f9y ch\u1ecdn n\u00e0y, t\u1ed5n th\u1ea5t \u0111\u1ea7u ti\u00ean ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c ph\u00ed khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 ti\u1ebfp theo t\u1ea1i PZU.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1i sao l\u1ea1i \u0111\u00e1ng gi\u00e1?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ch\u00fang t\u00f4i \u0111\u1ea3m b\u1ea3o x\u1eed l\u00fd tr\u1ef1c ti\u1ebfp c\u00e1c thi\u1ec7t h\u1ea1i,<\/li>\n\n\n<li>b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 d\u00e0nh cho ng\u01b0\u1eddi \u0111i xe \u0111\u1ea1p, ng\u01b0\u1eddi s\u1eed d\u1ee5ng xe tay ga v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u00e1 nh\u00e2n kh\u00e1c,<\/li>\n\n\n<li>Th\u1ebb Xanh \u2013 \u0111\u00e3 bao g\u1ed3m trong ph\u00ed b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi c\u1ee7a PZU,<\/li>\n\n\n<li>D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 tr\u00ean \u0111\u01b0\u1eddng Komfort, bao g\u1ed3m c\u1ea3 t\u01b0 v\u1ea5n y t\u1ebf cho t\u00e0i x\u1ebf trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u2013 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 gi\u1edbi h\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 c\u00e1c thi\u1ec7t h\u1ea1i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u1ec1 thi\u1ec7t h\u1ea1i m\u00e0 ng\u01b0\u1eddi l\u00e1i xe \u0111\u00e3 g\u00e2y ra cho ch\u1ee7 s\u1edf h\u1eefu,<\/li>\n\n\n<li>trong ph\u01b0\u01a1ng ti\u1ec7n m\u00e0 ng\u01b0\u1eddi s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n g\u00e2y ra thi\u1ec7t h\u1ea1i l\u00e0 ch\u1ee7 s\u1edf h\u1eefu ho\u1eb7c \u0111\u1ed3ng s\u1edf h\u1eefu \u2013 tr\u1eeb khi c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n n\u00e0y l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng thu\u00ea t\u00e0i ch\u00ednh v\u1edbi c\u00f9ng m\u1ed9t b\u00ean cho thu\u00ea, \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n nh\u01b0\u1ee3ng quy\u1ec1n s\u1edf h\u1eefu cho c\u00f9ng m\u1ed9t ch\u1ee7 n\u1ee3 ho\u1eb7c l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a \u0111i\u1ec1u kho\u1ea3n b\u1ea3o l\u01b0u quy\u1ec1n s\u1edf h\u1eefu \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u00e3 b\u00e1n cho c\u00f9ng m\u1ed9t ch\u1ee7 n\u1ee3,<\/li>\n\n\n<li>\u0111\u1ed1i v\u1edbi h\u00e0ng h\u00f3a, b\u01b0u ki\u1ec7n ho\u1eb7c h\u00e0nh l\u00fd \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n c\u00f3 thu ph\u00ed \u2013 tr\u1eeb khi tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i thu\u1ed9c v\u1ec1 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a ph\u01b0\u01a1ng ti\u1ec7n kh\u00e1c ch\u1ee9 kh\u00f4ng ph\u1ea3i ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn chuy\u1ec3n c\u00e1c v\u1eadt ph\u1ea9m \u0111\u00f3,<\/li>\n\n\n<li>bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1ea5t ti\u1ec1n m\u1eb7t, trang s\u1ee9c, ch\u1ee9ng kho\u00e1n, gi\u1ea5y t\u1edd, c\u0169ng nh\u01b0 c\u00e1c b\u1ed9 s\u01b0u t\u1eadp tem, ti\u1ec1n c\u1ed5 v\u00e0 c\u00e1c lo\u1ea1i t\u01b0\u01a1ng t\u1ef1,<\/li>\n\n\n<li>li\u00ean quan \u0111\u1ebfn \u00f4 nhi\u1ec5m ho\u1eb7c nhi\u1ec5m b\u1ea9n m\u00f4i tr\u01b0\u1eddng.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea3o hi\u1ec3m PZU Auto OC trong Lu\u1eadt v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, Qu\u1ef9 B\u1ea3o \u0111\u1ea3m B\u1ea3o hi\u1ec3m v\u00e0 V\u0103n ph\u00f2ng B\u1ea3o hi\u1ec3m Giao th\u00f4ng Ba Lan.<\/p>","protected":false},"featured_media":3364,"template":"","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":""},"rodzaj-ubezpieczenia":[11],"class_list":["post-3532","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-samochod"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium 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