{"id":27678,"date":"2023-12-07T04:41:30","date_gmt":"2023-12-07T04:41:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/hop-dong-bao-hiem-trach-nhiem-dan-su-la-gi-dac-diem.html"},"modified":"2023-12-22T16:52:27","modified_gmt":"2023-12-22T09:52:27","slug":"hop-dong-bao-hiem-trach-nhiem-dan-su-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/hop-dong-bao-hiem-trach-nhiem-dan-su-la-gi-dac-diem.html","title":{"rendered":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: abi)<\/p>\n<\/figcaption><\/figure>\n

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/font><\/h3>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 <\/b>t\u1ea1m d\u1ecbch sang ti\u1ebfng Anh l\u00e0 Civil liability insurance policy.<\/b><\/p>\n

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/b>\u00a0n\u00f3i chung\u00a0l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, theo \u0111\u00f3 b\u00ean mua b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p ti\u1ec1n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m c\u00f2n doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/b> l\u00e0\u00a0h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho tra\u0301ch nhi\u1eb9\u0302m da\u0302n s\u01b0\u0323 cu\u0309a ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m \u0111\u00f4\u0301i v\u01a1\u0301i ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba theo qui \u0111i\u0323nh cu\u0309a lu\u1ea1\u0302t pha\u0301p.\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m<\/font><\/h3>\n

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 co\u0301 \u0111\u1ea1\u0306c \u0111i\u00ea\u0309m:<\/p>\n

– H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tra\u0301ch nhi\u1eb9\u0302m cu\u0303ng la\u0300 loa\u0323i h\u01a1\u0323p \u0111\u00f4\u0300ng b\u00f4\u0300i thu\u031b\u01a1\u0300ng, th\u01a1\u0300i gian ng\u0103\u0301n, thu\u031b\u01a1\u0300ng 1 na\u0306m tr\u01a1\u0309 xu\u00f4\u0301ng<\/b>.\u00a0<\/p>\n

\u0110\u00f4\u0301i v\u01a1\u0301i ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m, vi\u1eb9\u0302c \u0111a\u0309m nh\u1ea1\u0302n tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng da\u0302n s\u01b0\u0323 co\u0301 nghi\u0303a la\u0300 pha\u0309i chi tra\u0309 ti\u00ea\u0300n thi\u1eb9\u0302t ha\u0323i cho ngu\u031b\u01a1\u0300i kha\u0301c do mi\u0300nh ga\u0302y ra. Khi mua ba\u0309o hi\u00ea\u0309m, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> se\u0303 ga\u0301nh va\u0301c cho ho\u0323 khoa\u0309n chi na\u0300y, \u0111o\u0301 chi\u0301nh la\u0300 l\u01a1\u0323i i\u0301ch ba\u0309o hi\u00ea\u0309m cu\u0309a ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m.<\/p>\n

– Trong th\u01a1\u0300i ha\u0323n h\u01a1\u0323p \u0111\u00f4\u0300ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> chi\u0309 chi\u0323u tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng khi ngu\u031b\u01a1\u0300i bi\u0323 thi\u1eb9\u0302t ha\u0323i (ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba) ye\u0302u c\u00e2\u0300u ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m b\u00f4\u0300i thu\u031b\u01a1\u0300ng.<\/b> Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kho\u0302ng co\u0301 tra\u0301ch nhi\u1eb9\u0302m tr\u01b0\u0323c ti\u00ea\u0301p v\u01a1\u0301i ngu\u031b\u01a1\u0300i bi\u0323 thi\u1eb9\u0302t ha\u0323i. Cho ne\u0302n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tra\u0301ch nhi\u1eb9\u0302m chi\u0309 t\u00f4\u0300n ta\u0323i gi\u01b0\u0303a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u01a1\u0301i ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m.\u00a0<\/p>\n

Tuy nhie\u0302n, d\u01b0\u0323a theo qui<\/span> \u0111i\u0323nh cu\u0309a pha\u0301p lu\u1ea1\u0302t ho\u1ea1\u0306c theo thoa\u0309 thu\u1ea1\u0302n trong h\u01a1\u0323p \u0111\u00f4\u0300ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m co\u0301 th\u00ea\u0309 tr\u01b0\u0323c ti\u00ea\u0301p b\u00f4\u0300i thu\u031b\u01a1\u0300ng cho ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba v\u00ea\u0300 nh\u01b0\u0303ng thi\u1eb9\u0302t ha\u0323i do ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m ga\u0302y ra cho ho\u0323.<\/p>\n

– H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/span> chi\u0309 gi\u01a1\u0301i ha\u0323n trong pha\u0323m vi tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng v\u00ea\u0300 m\u1ea1\u0306t kinh t\u00ea\u0301,<\/b> kho\u0302ng chi\u0323u ca\u0301c tra\u0301ch nhi\u1eb9\u0302m kha\u0301c cu\u0309a ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m tru\u031b\u01a1\u0301c pha\u0301p lu\u1ea1\u0302t nhu\u031b: Tra\u0301ch nhi\u1eb9\u0302m ha\u0300nh chi\u0301nh, tra\u0301ch nhi\u1eb9\u0302m hi\u0300nh s\u01b0\u0323.<\/p>\n

– H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tra\u0301ch nhi\u1eb9\u0302m luo\u0302n pha\u0309i qui<\/span> \u0111i\u0323nh ha\u0323n m\u01b0\u0301c tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng t\u00f4\u0301i \u0111a cu\u0309a doanh nghi\u1eb9\u0302p ba\u0309o hi\u00ea\u0309m.<\/b> Vi\u0301 du\u0323: Ha\u0323n m\u01b0\u0301c tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng t\u00f4\u0301i \u0111a trong ba\u0309o hi\u00ea\u0309m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/span> cu\u0309a chu\u0309 xe co\u031b gi\u01a1\u0301i \u0111\u00f4\u0301i v\u01a1\u0301i ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba la\u0300 50 tri\u1eb9\u0302u \u0111\u00f4\u0300ng m\u1ecd\u0302t vu\u0323 tai na\u0323n v\u00ea\u0300 ta\u0300i sa\u0309n va\u0300 50 tri\u1eb9\u0302u \u0111\u00f4\u0300ng m\u1ecd\u0302t ngu\u031b\u01a1\u0300i, m\u1ecd\u0302t vu\u0323 tai na\u0323n.<\/p>\n

Pha\u0302n loa\u0323i\u00a0h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/font><\/h3>\n

Pha\u0302n loa\u0323i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> theo \u0111\u00f4\u0301i tu\u031b\u01a1\u0323ng ba\u0309o hi\u00ea\u0309m la\u0300 ca\u0301ch pha\u0302n loa\u0323i chu\u0309 y\u00ea\u0301u, ngoa\u0300i ra m\u00f4\u0303i loa\u0323i h\u01a1\u0323p \u0111\u00f4\u0300ng ne\u0302u tre\u0302n co\u0300n \u0111u\u031b\u01a1\u0323c pha\u0302n loa\u0323i chi ti\u00ea\u0301t theo ca\u0301c tie\u0302u th\u01b0\u0301c kha\u0301c nhau, tuy\u0300 theo mu\u0323c \u0111i\u0301ch nghie\u0302n c\u01b0\u0301u.\u00a0<\/p>\n

Ch\u0103\u0309ng ha\u0323n, \u0111\u00f4\u0301i v\u01a1\u0301i loa\u0323i hi\u0300nh b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n co\u0300n chia ra: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> ta\u0300u thuy\u0309, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> ha\u0300ng hoa\u0301 xu\u00e2\u0301t nh\u1ea1\u0302p kh\u00e2\u0309u v\u1ea1\u0302n chuy\u00ea\u0309n b\u0103\u0300ng \u0111u\u031b\u01a1\u0300ng bi\u00ea\u0309n…\u00a0<\/p>\n

Hay \u0111\u00f4\u0301i v\u01a1\u0301i ba\u0309o hi\u00ea\u0309m tra\u0301ch nhi\u1eb9\u0302m co\u0300n chia ra: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tra\u0301ch nhi\u1eb9\u0302m \u0111\u00f4\u0301i v\u01a1\u0301i sa\u0309n ph\u00e2\u0309m, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tra\u0301ch nhi\u1eb9\u0302m ngh\u00ea\u0300 nghi\u1eb9\u0302p, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span> tra\u0301ch nhi\u1eb9\u0302m pha\u0301p l\u00ed…<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: H\u01a1\u0323p \u0111\u00f4\u0300ng ba\u0309o hi\u00ea\u0309m, Trung t\u00e2m \u0111\u00e0o t\u1ea1o t\u1eeb xa, \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n.\u00a0Gi\u00e1o tr\u00ecnh L\u00ed thuy\u1ebft b\u1ea3o hi\u1ec3m, NXB T\u00e0i ch\u00ednh; Gi\u00e1o tr\u00ecnh \u0110\u1ea1i l\u00ed b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, NXB T\u00e0i ch\u00ednh)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 ba theo qui \u0111\u1ecbnh c\u1ee7a lu\u1eadt ph\u00e1p.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27678"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=27678"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27678\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}