{"id":3169,"date":"2018-03-30T14:29:37","date_gmt":"2018-03-30T07:29:37","guid":{"rendered":"http:\/\/datxanhnhatrang.com.vn\/?p=3169"},"modified":"2018-03-30T14:29:37","modified_gmt":"2018-03-30T07:29:37","slug":"nhung-truong-hop-nao-khong-duoc-boi-thuong-khi-mua-bao-hiem-chay-no-chung-cu","status":"publish","type":"post","link":"https:\/\/datxanhnamtrungbo.net\/vi\/nhung-truong-hop-nao-khong-duoc-boi-thuong-khi-mua-bao-hiem-chay-no-chung-cu\/","title":{"rendered":"Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 chung c\u01b0?"},"content":{"rendered":"

\"\"<\/p>\n

T\u1eeb 15\/4\/2018 t\u1ea5t c\u1ea3 nh\u00e0 chung c\u01b0, kh\u00e1ch s\u1ea1n, nh\u00e0 kh\u00e1ch, nh\u00e0 ngh\u1ec9 t\u1eeb 5 t\u1ea7ng tr\u1edf l\u00ean \u0111\u1ec1u ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5.<\/p>\n

Theo Ngh\u1ecb \u0111\u1ecbnh n\u00e0y, c\u00e1c c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 nh\u01b0 nh\u00e0 chung c\u01b0, kh\u00e1ch s\u1ea1n, nh\u00e0 kh\u00e1ch, nh\u00e0 ngh\u1ec9 t\u1eeb 5 t\u1ea7ng tr\u1edf l\u00ean; nh\u00e0 tr\u1ebb, tr\u01b0\u1eddng m\u1eabu gi\u00e1o c\u00f3 t\u1eeb 100 ch\u00e1u tr\u1edf l\u00ean; c\u1eeda h\u00e0ng x\u0103ng d\u1ea7u c\u00f3 t\u1eeb 1 c\u1ed9t b\u01a1m tr\u1edf l\u00ean\u2026 \u0111\u1ec1u ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c t\u1ea1i c\u00e1c doanh nghi\u1ec7p kinh doanh nghi\u1ec7p v\u1ee5 b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c l\u00e0 to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n c\u1ee7a c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5, g\u1ed3m: Nh\u00e0, c\u00f4ng tr\u00ecnh v\u00e0 c\u00e1c t\u00e0i s\u1ea3n g\u1eafn li\u1ec1n v\u1edbi nh\u00e0, c\u00f4ng tr\u00ecnh, m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb; c\u00e1c lo\u1ea1i h\u00e0ng h\u00f3a, v\u1eadt t\u01b0. \u0110\u00e2y s\u1ebd l\u00e0 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m khi b\u1ecb thi\u1ec7t h\u1ea1i do x\u1ea3y ra ch\u00e1y, n\u1ed5.<\/p>\n

Ngh\u1ecb \u0111\u1ecbnh c\u0169ng n\u00eau r\u00f5 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i b\u00e1n b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau: C\u01a1 s\u1edf ch\u01b0a \u0111\u01b0\u1ee3c nghi\u1ec7m thu v\u1ec1 ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. C\u01a1 s\u1edf kh\u00f4ng c\u00f3 bi\u00ean b\u1ea3n ki\u1ec3m tra an to\u00e0n v\u1ec1 ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y c\u1ee7a c\u01a1 quan c\u1ea3nh s\u00e1t ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y ho\u1eb7c bi\u00ean b\u1ea3n ki\u1ec3m tra \u0111\u00e3 qu\u00e1 1 n\u0103m t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m l\u1eadp \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m mua b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c. C\u01a1 s\u1edf \u0111ang b\u1ecb t\u1ea1m \u0111\u00ecnh ch\u1ec9 ho\u1eb7c \u0111\u00ecnh ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng do vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 ph\u00f2ng ch\u00e1y v\u00e0 ch\u1eefa ch\u00e1y\u2026<\/p>\n

V\u1ec1 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m, \u0111\u1ed1i v\u1edbi c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 (tr\u1eeb c\u01a1 s\u1edf h\u1ea1t nh\u00e2n) c\u00f3 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c t\u00e0i s\u1ea3n t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m d\u01b0\u1edbi 1.000 t\u1ef7 \u0111\u1ed3ng th\u00ec m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u nh\u00e2n v\u1edbi t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh t\u1ea1i ngh\u1ecb \u0111\u1ecbnh.<\/p>\n

Tr\u00ean c\u01a1 s\u1edf m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn t\u0103ng m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi t\u1eebng c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 c\u0103n c\u1ee9 v\u00e0o m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a t\u1eebng c\u01a1 s\u1edf v\u00e0 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 c\u00f3 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c t\u00e0i s\u1ea3n t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m t\u1eeb 1.000 t\u1ef7 \u0111\u1ed3ng tr\u1edf l\u00ean v\u00e0 c\u01a1 s\u1edf h\u1ea1t nh\u00e2n th\u00ec doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3m th\u1ecfa thu\u1eadn m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. \u0110i\u1ec1u n\u00e0y d\u1ef1a tr\u00ean c\u01a1 s\u1edf \u0111\u01b0\u1ee3c doanh nghi\u1ec7p nh\u1eadn t\u00e1i b\u1ea3o hi\u1ec3m ch\u1ea5p thu\u1eadn.<\/p>\n

Theo Ngh\u1ecb \u0111\u1ecbnh, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m v\u1edbi t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ee7a t\u00e0i s\u1ea3n \u0111\u00f3 tr\u1eeb \u0111i m\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh. Gi\u1ea3m tr\u1eeb t\u1ed1i \u0111a 10% s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy \u0111\u1ecbnh d\u1eabn \u0111\u1ebfn t\u0103ng thi\u1ec7t h\u1ea1i khi x\u1ea3y ra ch\u00e1y n\u1ed5.<\/p>\n

Ph\u00eda b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng v\u1edbi nh\u1eefng kho\u1ea3n ti\u1ec1n ph\u00e1t sinh, t\u0103ng th\u00eam do h\u00e0nh vi gian l\u1eadn b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh t\u1ea1i B\u1ed9 lu\u1eadt h\u00ecnh s\u1ef1.<\/p>\n

Ri\u00eang nh\u1eefng tr\u01b0\u1eddng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn b\u1ed3i th\u01b0\u1eddng ch\u00e1y, n\u1ed5: \u0110\u1ed9ng \u0111\u1ea5t, n\u00fai l\u1eeda phun ho\u1eb7c nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kh\u00e1c c\u1ee7a thi\u00ean nhi\u00ean; thi\u1ec7t h\u1ea1i do nh\u1eefng bi\u1ebfn c\u1ed1 v\u1ec1 ch\u00ednh tr\u1ecb, an ninh v\u00e0 tr\u1eadt t\u1ef1 an to\u00e0n x\u00e3 h\u1ed9i g\u00e2y ra;<\/p>\n

T\u00e0i s\u1ea3n b\u1ecb \u0111\u1ed1t ch\u00e1y, l\u00e0m n\u1ed5 theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ea9m quy\u1ec1n; s\u00e9t \u0111\u00e1nh tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u01b0ng kh\u00f4ng g\u00e2y ch\u00e1y, n\u1ed5; nguy\u00ean li\u1ec7u v\u0169 kh\u00ed h\u1ea1t nh\u00e2n g\u00e2y ch\u00e1y, n\u1ed5; m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb \u0111i\u1ec7n hay c\u00e1c b\u1ed9 ph\u1eadn c\u1ee7a thi\u1ebft b\u1ecb \u0111i\u1ec7n b\u1ecb thi\u1ec7t h\u1ea1i do ch\u1ecbu t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp c\u1ee7a vi\u1ec7c ch\u1ea1y qu\u00e1 t\u1ea3i, qu\u00e1 \u00e1p l\u1ef1c, \u0111o\u1ea3n m\u1ea1ch, t\u1ef1 \u0111\u1ed1t n\u00f3ng, h\u1ed3 quang \u0111i\u1ec7n, r\u00f2 \u0111i\u1ec7n do b\u1ea5t k\u1ef3 nguy\u00ean nh\u00e2n n\u00e0o, k\u1ec3 c\u1ea3 do s\u00e9t \u0111\u00e1nh; thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi d\u1eef li\u1ec7u, ph\u1ea7n m\u1ec1m v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh m\u00e1y t\u00ednh; thi\u1ec7t h\u1ea1i do \u0111\u1ed1t r\u1eebng, b\u1ee5i c\u00e2y, \u0111\u1ed3ng c\u1ecf, ho\u1eb7c \u0111\u1ed1t ch\u00e1y v\u1edbi m\u1ee5c \u0111\u00edch l\u00e0m s\u1ea1ch \u0111\u1ed3ng ru\u1ed9ng, \u0111\u1ea5t \u0111ai\u2026\u201d<\/p>\n

–Ngu\u1ed3n: S\u01b0u t\u1ea7m–<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ed1i v\u1edbi c\u01a1 s\u1edf c\u00f3 nguy hi\u1ec3m v\u1ec1 ch\u00e1y, n\u1ed5 c\u00f3 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c t\u00e0i s\u1ea3n t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m t\u1eeb…<\/p>\n","protected":false},"author":1,"featured_media":3170,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/posts\/3169"}],"collection":[{"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/comments?post=3169"}],"version-history":[{"count":0,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/posts\/3169\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/media\/3170"}],"wp:attachment":[{"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/media?parent=3169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/categories?post=3169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/datxanhnamtrungbo.net\/vi\/wp-json\/wp\/v2\/tags?post=3169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}