{"id":33114,"date":"2023-12-08T02:18:05","date_gmt":"2023-12-08T02:18:05","guid":{"rendered":"https:\/\/masterskills.org\/blog\/rui-ro-dam-va-collison-risk-trong-bao-hiem-van-tai-quoc-te-la-gi.html"},"modified":"2023-12-23T11:17:43","modified_gmt":"2023-12-23T04:17:43","slug":"rui-ro-dam-va-collison-risk-trong-bao-hiem-van-tai-quoc-te-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/rui-ro-dam-va-collison-risk-trong-bao-hiem-van-tai-quoc-te-la-gi.html","title":{"rendered":"R\u1ee7i ro \u0111\u00e2m va (Collison Risk) trong b\u1ea3o hi\u1ec3m v\u1eadn t\u1ea3i qu\u1ed1c t\u1ebf l\u00e0 g\u00ec?"},"content":{"rendered":"<div class=\"vnbcbc-body vceditor-content wi-active\" data-role=\"content\">\n<div class=\"VCSortableInPreviewMode\" type=\"Photo\" style=\"\">\n<div><\/div>\n<div class=\"PhotoCMS_Caption\">\n<p>R\u1ee7i ro \u0111\u00e2m va (Collison Risk) (Ngu\u1ed3n: dailymail)<\/p>\n<\/div>\n<\/div>\n<h2><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">R\u1ee7i ro \u0111\u00e2m va (Collison Risk)<\/font><\/h2>\n<p><b>R\u1ee7i ro \u0111\u00e2m va<\/b> &#8211; danh t\u1eeb, trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c d\u00f9ng b\u1edfi c\u1ee5m t\u1eeb\u00a0<b>Collison Risk<\/b>.<\/p>\n<p><i>R\u1ee7i ro \u0111\u00e2m va<\/i> l\u00e0 nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m do <i>r\u1ee7i ro \u0111\u00e2m va <\/i>g\u00e2y ra.<i> R\u1ee7i ro \u0111\u00e2m va<\/i> n\u00f3i \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi b\u1ea3n th\u00e2n con t\u00e0u v\u00e0 h\u00e0ng h\u00f3a b\u1ecb t\u1ed5n th\u1ea5t.<\/p>\n<h3><font style=\"line-height: 22px; font-size: 22px;\" color=\"#3d85c6\">Tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m khi x\u1ea3y ra r\u1ee7i ro \u0111\u00e2m va<\/font><\/h3>\n<p>Trong tr\u01b0\u1eddng h\u1ee3p 2 t\u00e0u \u0111\u00e2m va v\u00e0o nhau, th\u01b0\u1eddng x\u1ea3y ra 3 tr\u01b0\u1eddng h\u1ee3p:<\/p>\n<p><b>C\u1ea3 hai t\u00e0u \u0111\u1ec1u kh\u00f4ng c\u00f3 l\u1ed7i<\/b><\/p>\n<p>V\u00ed d\u1ee5 hai t\u00e0u \u0111\u1eadu g\u1ea7n nhau g\u1eb7p b\u00e3o l\u1edbn x\u00f4 v\u00e0o nhau. Nh\u01b0 v\u1eady c\u1ea3 hai t\u00e0u \u0111\u1ec1u kh\u00f4ng c\u00f3 l\u1ed7i, do \u0111\u00f3 kh\u00f4ng ph\u00e2n chia tr\u00e1ch nhi\u1ec7m \u0111\u00e2m va. R\u1ee7i ro g\u00e2y n\u00ean t\u1ed5n th\u1ea5t cho b\u00ean n\u00e0o th\u00ec b\u00ean \u0111\u00f3 ch\u1ecbu. N\u1ebfu ch\u1ee7 t\u00e0u c\u00f3 mua b\u1ea3o hi\u1ec3m th\u00ec n\u1ebfu t\u00e0u b\u1ecb thi\u1ec7t h\u1ea1i, nh\u00e0 b\u1ea3o hi\u1ec3m ph\u1ea3i b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi ch\u1ee7 t\u00e0u.<\/p>\n<p><b>Tr\u01b0\u1eddng h\u1ee3p m\u1ed9t b\u00ean ho\u00e0n to\u00e0n c\u00f3 l\u1ed7i<\/b><\/p>\n<p>B\u00ean c\u00f3 l\u1ed7i s\u1ebd b\u1ed3i th\u01b0\u1eddng cho b\u00ean kia to\u00e0n b\u1ed9 nh\u1eefng t\u1ed5n th\u1ea5t do <i>r\u1ee7i ro \u0111\u00e2m va <\/i>g\u00e2y ra. N\u1ebfu ch\u1ee7 t\u00e0u c\u00f3 mua b\u1ea3o hi\u1ec3m th\u00ec nh\u00e0 b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng t\u1ed5n th\u1ea5t c\u1ee7a t\u00e0u c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 k\u1ec3 c\u1ea3 nh\u1eefng t\u1ed5n th\u1ea5t m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ec1n b\u00f9 cho t\u00e0u b\u1ecb \u0111\u00e2m va.\u00a0<\/p>\n<p><b>Tr\u01b0\u1eddng h\u1ee3p c\u1ea3 hai b\u00ean \u0111\u1ec1u c\u00f3 l\u1ed7i<\/b><\/p>\n<p>C\u00f3 th\u1ec3 do s\u01a1 su\u1ea5t trong vi\u1ec7c l\u00e1i t\u00e0u. Tr\u01b0\u1edbc \u0111\u00e2y n\u1ebfu tr\u01b0\u1eddng h\u1ee3p 2 t\u00e0u \u0111\u1ec1u c\u00f3 l\u1ed7i th\u00ec ng\u01b0\u1eddi ta gi\u1ea3i quy\u1ebft theo c\u00e1ch g\u1ecdi l\u00e0 tr\u00e1ch nhi\u1ec7m \u0111\u01a1n (Single Liability). \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c gi\u1ea3i quy\u1ebft \u0111\u01a1n gi\u1ea3n nh\u1ea5t. Theo \u0111\u00f3, n\u1ebfu ch\u1ee7 t\u00e0u b\u1ecb t\u1ed5n th\u1ea5t \u00edt s\u1ebd ph\u1ea3i tr\u1ea3 cho ch\u1ee7 t\u00e0u kia 1\/2 s\u1ed1 ch\u00eanh l\u1ec7ch t\u1ed5n th\u1ea5t gi\u1eefa 2 t\u00e0u.<\/p>\n<p>Hi\u1ec7n nay t\u1eadp qu\u00e1n chung qu\u1ed1c t\u1ebf trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e2m va c\u1ea3 hai b\u00ean c\u00f9ng c\u00f3 l\u1ed7i th\u01b0\u1eddng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo c\u00e1ch g\u1ecdi l\u00e0 tr\u00e1ch nhi\u1ec7m ch\u00e9o (Cross Liability). Theo c\u00e1ch n\u00e0y ng\u01b0\u1eddi ta ph\u00e2n \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 l\u1ed7i c\u1ee7a \u0111\u00f4i b\u00ean \u0111\u1ec3 gi\u1ea3i quy\u1ebft vi\u1ec7c b\u1ed3i th\u01b0\u1eddng cho h\u1ee3p l\u00ed.\u00a0<\/p>\n<p>Ch\u1eb3ng h\u1ea1n t\u00e0u A m\u1eafc l\u1ed7i 1\/4, t\u00e0u B m\u1eafc l\u1ed7i 3\/4 th\u00ec c\u1ee9 theo t\u1ec9 l\u1ec7 \u0111\u00f3 2 t\u00e0u s\u1ebd \u0111\u1ec1n b\u00f9 cho nhau. N\u1ebfu ch\u1ee7 t\u00e0u c\u00f3 mua b\u1ea3o hi\u1ec3m th\u00ec nh\u00e0 b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng theo \u0111i\u1ec1u kho\u1ea3n \u0111\u00e2m va, t\u1ee9c l\u00e0 b\u1ed3i th\u01b0\u1eddng 100% \u0111\u1ed1i v\u1edbi t\u1ed5n th\u1ea5t c\u1ee7a t\u00e0u m\u00ecnh b\u1ea3o hi\u1ec3m v\u00e0 t\u1ec9 l\u1ec7 ph\u1ea7n tr\u0103m ph\u1ea1m l\u1ed7i c\u1ee7a ph\u1ea7n t\u1ed5n th\u1ea5t m\u00e0 t\u00e0u m\u00ecnh b\u1ea3o hi\u1ec3m \u0111\u00e3 thanh to\u00e1n cho t\u00e0u kia. (Theo <i>Gi\u00e1o tr\u00ecnh V\u1eadn t\u1ea3i qu\u1ed1c t\u1ebf v\u00e0 B\u1ea3o hi\u1ec3m v\u1eadn t\u1ea3i qu\u1ed1c t\u1ebf<\/i>)<\/p>\n<p><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"vnbcbc-sapo\" data-role=\"sapo\">\n                            R\u1ee7i ro \u0111\u00e2m va (ti\u1ebfng Anh: Collison Risk) trong b\u1ea3o hi\u1ec3m v\u1eadn t\u1ea3i qu\u1ed1c t\u1ebf l\u00e0 vi\u1ec7c t\u00e0u thuy\u1ec1n va ch\u1ea1m g\u00e2y thi\u1ec7t h\u1ea1i h\u00e0ng h\u00f3a trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n tr\u00ean bi\u1ec3n.\n                        <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[418],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/33114"}],"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=33114"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/33114\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=33114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=33114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=33114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}