Bao hiem oto Giua me hon tran

Tags: Bao Viet, cong ty bao hiem, trach nhiem dan su, trong moi truong hop, mua bao hiem, khach hang, thay moi, khau hao, lua chon, quyen loi, loai hinh, oto, minh, nguoi, hieu


Di oto phai mua bao hiem – dieu do duong nhien chu nhan chiec xe nao cung biet. Nhung de hieu dung ve cac loai hinh bao hiem oto de lua chon bao hiem co the dam bao quyen loi cho minh trong moi truong hop thi khong phai ai cung biet.

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Thuc chat, tham gia bao hiem khi mua oto la mot quy dinh bat buoc de xe duoc phep luu thong. Loai bao hiem nay duoc goi la bao hiem bat buoc trach nhiem dan su chu xe co gioi voi nhieu muc phi. Trong do, muc co ban thap nhat la 50.000.000 VND. Ngoai ra, khach hang co the tham gia nhieu goi bao hiem bo sung va tu nguyen khac nhau… Tuy nhien, muc phi bao hiem thoat nghe kha dat do da dan toi tinh trang phan van cua khach hang.

Mua “trau” nen mua “coc”?

Ve co ban, cac muc va dieu khoan cua cac hinh thuc bao hiem oto giua cac cong ty bao hiem tuong doi giong nhau vi deu dua tren Quyet dinh so 23/2007/QD – BTC do Bo Tai chinh ban hanh. Su khac biet chu yeu do bieu gia va quy dinh trach nhiem cua tung don vi bao hiem (khoang hon 10 cong ty) ap dung cho cac loai hinh, muc phi khac nhau.

Nhung thuc te, viec lua chon loai hinh bao hiem nao, muc phi bao nhieu lai khong he don gian voi khach hang.

Anh Thanh Phong, chu nhan mot chiec Honda Civic cho biet, anh chon loai xe de mua thi rat nhanh. Chi can xac dinh tui tien va muc dich su dung cua minh la xong. Nhung de quyet dinh mua loai bao hiem nao thi anh mat gan tron mot tuan, boi co nhieu loai bao hiem va nhieu muc gia khac nhau khien cho nhung nguoi mua oto lan dau nhu anh khong de quyet dinh. Noi den day, anh tac luoi: “Dan do mai, toi cung quyet dinh mua bao hiem trach nhiem dan su va bao hiem vo xe co khau hao thay moi. Van biet, chi mua nhu the thi khi xay ra mat mat minh khong duoc gi nhung muc gia do phu hop voi tui tien cua minh. De co bao hiem vo xe co khau hao thay moi cung mat den gan 2% gia tri cai Honda Civic”.

Khi toi dat gia thuyet neu bi mat xe thi anh Phong tra loi: “Nguy co mat xe luc nao cung co nhung tui tien cua toi co han. Thoi thi may nho rui chiu…”.

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Tam trang dan do va cuoi cung lua chon hinh thuc bao hiem oto re nhat nham tiet kiem chi phi nhu anh Phong thuc chat rat pho bien. Nhung theo cac chuyen gia bao hiem, hinh thuc bao hiem vo xe co khau hao thay moi chi phu hop neu xe da cu hoac gia thanh mua thap. Nguoc lai, xe moi gia tri cao – dac biet nhung dong xe hiem tren thi truong - can mua bao hiem vat chat xe. Mot chuyen vien co kinh nghiem lau nam cua hang Bao hiem Bao Viet cho biet: “Voi nhung xe “xin”, dac biet la sieu xe, moi phu tung nho nhat da co gia toi hang ngan USD. Bao hiem vat chat xe khong khau hao thay moi se dam bao nhung phu tung moi nhat cung nhu quyen loi cao nhat cho chu xe khi can thiet. Muc gia ca goi khong re nhung tra theo tung thoi diem da tro nen kha nhe nhang”.

Theo tim hieu cua chung toi, moi quan tam khi mua bao hiem cua nguoi su dung con nam o cho: hinh thuc bao hiem nao duoc tu chon ga-ra sua chua, sau do duoc cong ty Bao hiem thanh toan theo quy dinh. Thuc te, hau het cac cong ty bao hiem deu xay dung dieu khoan nay trong mot so loai hinh cua minh. Tuy nhien, khong it khach hang chi mua bao hiem vo xe co khau hao thay moi ma khong mua goi co Bao hiem tu chon ga-ra sua chua, khong khau hao thay moi. Nguyen nhan thuong xuat phat tu ca hai phia: nguoi mua muon lua chon goi dich vu re con nhan vien ban bao hiem thi gioi thieu khong day du.

Boi the, theo nhieu chuyen gia bao hiem, loi khuyen chung cho tat ca khach hang la hay yeu cau nhan vien bao hiem tu van moi hinh thuc bao hiem va quyen loi lien quan. Tat ca se giup khach hang tranh duoc tinh huong, dam mua “trau” nhung khong mua “coc”, den khi xay ra su co lai tiec nuoi vi khong co “coc” ma mat ca “trau”.

Dung mat tien oan vi thieu hieu biet…

Nhung rac roi lien quan toi bao hiem xe oto khong chi dung o day. Chi can luot mot vong tru so, chi nhanh hoac bo phan co chuc nang thanh toan bao hiem se thay nhieu truong hop tranh cai do khoc do cuoi… Loi tu phia bao hiem cung co nhung chu yeu, nguyen nhan xuat phat tu su hieu biet thieu day du cua khach hang. Trong do, vi pham cua khach hang ve giay phep lai xe, dang kiem, mua bao hiem cao hoac thap hon gia tri thuc te cua xe chinh la nhung cai “chet” pho bien nhat hien nay.

Tai tru so Bao Viet (Ha Noi), mot Viet kieu tai My dang do mat tranh cai voi nhan vien cong ty do bi tu choi bao hiem. Cu the, vi khach nay co bang lai xe quoc te (ve nguyen tac, co gia tri tai tat ca cac quoc gia – PV), da thue mot chiec Mitsubisi Jolie lai tai Viet Nam va gay tai nan voi mot chiec moto khac. Hau qua, hai nguoi tren xe moto bi thuong, xe oto thiet hai khoang 78 trieu VND. Sau tai nan, nguoi nay da yeu cau Bao Viet giai quyet boi thuong ma khong biet rang, bang lai xe quoc te hien co cua minh khong hop le. Nhan vien bao hiem khang dinh: theo quy dinh, bang lai quoc te chi co hieu luc khi nguoi co bang toi cuc Duong bo de nghi doi sang bang Viet Nam”. Neu hieu duoc dieu nay, thiet hai 78 trieu VND va phi boi thuong cho hai nan nhan se duoc nhanh chong giai quyet. Tat nhien, nhung tranh cai nay lua se khong con.

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Sai pham ve giay phep lai xe cang pho bien hon khi nhieu khach hang vo tu “luot” cung chiec xe khong phu hop voi tam bang minh so huu. Vi du, khach hang co bang A1 nhung lai xe A2. Hoac, nguoi su dung co bang thong thuong nhung lai xe tuong dong dung cho muc dich kinh doanh; nguoi co bang lai quan su nhung lai dieu khien xe dan su… Tat ca deu dan den ket qua chung: khach hang khong duoc giai quyet bao hiem ngay khi da mua bao hiem.

Mot thiet thoi dang tiec khong kem la hien trang rat it lai xe thuc hien dang kiem dung thoi han. Du giay phep lai xe co gia tri, bao hiem mua loai “xin” nhat nhung dang kiem qua thoi han se lam “canh cua” bao hiem dong sap ngay truoc mat.

Do la chua ke hien tuong, khong it chu xe co tinh mua bao hiem cao hoac thap hon gia tri thuc te cua xe nham truc loi bao hiem. Nguyen Tuan Th., chu nhan mot chiec Transit 2.4 moi cung hung khoi: “Gia xe hon 32.000 USD. Toi chi mua bao hiem vat chat xe bang 80% gia tri thoi. Do ton tien ma biet dau lai duoc bao hiem dung gia tri thuc te”. Noi roi, Th cuoi sang khoai. Nhung toi tu hoi, nu cuoi cua Th se keo dai bao lau neu biet: khi xay ra su co, Th se chi duoc den bu bang dung gia tri bao hiem da mua, du thiet hai co cao hon muc nhieu lan. Mat khac, ngay ca truong hop mua bao hiem cao hon gia tri xe thuc te, khi xay ra su co, khach hang cung chi duoc den bu dung bang gia tri that cua xe hoac phu tung.

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Chi Huong Giang, cong ty bao hiem Bao Minh, thang than: “Day la mot khuc mac dien hinh khien nhan vien bao hiem phai giai thich, tham chi bi khach hang chi trich, de doa”.

Tuy nhien, theo nhieu nhan vien co kinh nghiem, nhung su viec dang tiec tren se duoc han che dang ke neu khach hang duoc tu van ky va giai thich triet de ve quyen loi khi tham gia bao hiem cua minh. Ben canh do, ban than khach hang phai la nguoi dau tien chu dong tim hieu va tuyet doi tranh moi thu thuat nham truc loi bao hiem. Tat ca se giup ca hai phia khach hang va cong ty bao hiem han che nhung rac roi, tranh cai khong can thiet ve sau.

Mot so chu y:

+ Ngoai bao hiem bat buoc trach nhiem dan su, chu xe nen mua bao hiem vo xe co khau hao thay moi neu xe da cu, gia tri thap; mua bao hiem vat chat xe neu gia moi, gia tri cao hoac la sieu xe. Ca hai loai xe tren nen mua bao hiem ngam nuoc vi xe thuong thiet hai rat nang neu nhiem nuoc.

+ Khi xay ra tai nan, lai xe can giu nguyen hien truong va goi toi diem bao hiem gan nhat hoac so Hotline (thuong ghi sau the bao hiem) cua cong ty da lua chon.

  • Thuy Hang
Viet Bao

Tìm hiểu: Bao Viet, cong ty bao hiem, trach nhiem dan su, trong moi truong hop, mua bao hiem, khach hang, thay moi, khau hao, lua chon, quyen loi, loai hinh, oto, minh, nguoi, hieu

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