THLfC TIEN PHAP LUAT
MOT SO KIEN NGH! HOAN THIEN PHAP LUAT VE BAO HIEM BAT BUOC TRACH NHIEM DAN SU CUA CHU XE MAY
Ta Thi Thiiy Trang*
* ThS. Dai hoc ThUdng Mai.
Thdng tin bii viet:
Tic khoa- Bao hiem bit budc, trich nhifm diln sy, chu xe co gidi.
Lich sw bdi viet:
Nh^bai Bien tap Duyet bai
: 18/06/2020 : 28/06/2020 : 04/07/2020
Article Infomation:
Key words: Compulsory insurance, civil liability insurance, vehicle owners.
Article History:
Received Edited Approved
18 Jun. 2020 28 Jun. 2020 04 Jul. 2020
Tdm tat:
Bao hi^m bat budc trach nhifm dan su cua chu xe co gidi trong dd co xe may dugc xem la chinh sich an sinh xa hpi cua Nha nude nham bao v^ quyen Igi cho nan nhan trong cac vy tai n?n giao thdng, ciing nhu giup bao ve tai chinh cho chu xe co gidi trude rdi ro bit ngo. Tuy nhiSn, tren thuc te cd rat it chu xe may mua bao hiem. Vay ly do vi sao ngudi dan khdng man ma vdi vi^c mua bao hiem? Trong pheim vi bai viSt nay, tac gia tap trung phan tich, dinh gia thuc trang bao hiem bat bupc trach nhiem dan sy cua chu xe may, chi ra mdt sd diem bat cap va de xuat kien nghj hoan thi$n phap luat ve van de nay.
Abstract:
Compulsory insurance for civil liability of motor vehicle owners, including motorbikes, is considered a social security policy of the State to protect the rights of victims in traffic accidents, as well as help protect financial protection for motor vehicle owners against unexpected risks but in reality very few motorbike owners buy and if bought mainly to cope. Accordingly, the article focuses on the compulsory insurance of civil liability of motorbike owners under the current law and points out some inadequacies of the law in order to improve the effectiveness ofthe application of laws on the issue 1. Khdi quat thye trang bao hiem bat
bupc trach nhifm ddn sir cua chu xe may Bao hilm bdt budc trdch nhiem dan su (TNDS) cua chu xe co gidi ndi ehung vd xe mdy ndi rieng da dat dupe nhilu kit qua tich eye nhu: kit qud thuc hien bdo hiem bat budc TNDS cua chu xe co gidi ^iai doan 10 nam (2008-2017) da dat duoc ket qua vdi sd lupt xe CO gidi tham gia bdo hilm bat buoc TNDS cua chii xe co gidi len din tr^n 110,3 tri^u {sd lupt xe may vdo khodng 93,5 trieu);
gidi quylt bdi thudng bdo hilm cho 593.658 vu tai nan giao thdng, trung binh 9 trieu ddng/vy (101.214 vy tai nan xe mdy, trung
binh 5 trieu ddng/vu). Thdng ke mdi nhat cua Cyc Quan ly vd Gidm sdt bao hiem (Bd Tai chinh), tinh rieng trong nam 2019, tdng doanh thu phi bdo hiem bat budc TNDS ude tinh dat 3.590 ty ddng, trong dd rieng d td dat 2.825 ty dong, xe mdy dat 765 ty ddng.
Trong khi dd, sd tiln bdi thudng bdo hiem (chua tinh dy phdng bdi thudng eho cdc tdn thdt chua phdt sinh theo quy dinh) udc tinh dat 972 ty ddng, trong dd d td d^t 927 ty ddng, xe mdy dat 45 ty ddng'. Ket qud tren thi hien ro y nghia nhdn dao cua chinh sdch, kip thdi hd trp nan nhdn tai nan ^iao thdng nhanh chdng khac phyc tdn that ve ngudi vd
1 http://tapchitaichinh.vn/su-kien-noi-bat/chan-chinh-xu-ly-kip-tiioi-vi-pham-bao-hiem-bat-buoc-tiach-nhiem- dan-su-cua-chu-xe-co-gioi-323425.html. _ ^ NGHltN CVU I ftE
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tai sdn, giup cho khdng chi nan nhan md con chii xe, ngudi dilu khien xe nhanh chdng dn dinh cupc sdng, smh hoat vd hoat dpng sdn xudt kinh doanh, gdp phdn thye hien myc tieu an sinh - xa hpi cua Ddng va Nhd nude.
Tuy nhien, kit qud thye hien thdi gian qua Cling cho thay, bdo hiem bat bupc TNDS cua chu xe may vdn cdn nhirng tdn tai^
vudng mac cd ve chinh sdch va cdng tac td chiic, triln khai thye hipn. Ty le tham gia bdo hilm xe mdy vdn cdn thdp, dat khoang 30% ddi vdi xe may (trong tdng sd gdn 60 tripu xe may), vd ty le tham gia bdo hiem len din 90% ddi vdi xe d td (trong tdng sd tren 3 trieu xe d td)^. Thdi gian gua, sau khi lye lu9iig canh sat giao thdng ddng loat ra qudn kiem tra xii ly phuong tien giao thdng, thi trudng bdo hiem xe may van chua bdt
"ndng" bdi "ma tran" thdng tin vay quanh ngudi ddn. Thdng tin guan frpng Id quySn lpi cua ngudi mua bdo hiem the nao, trinh ty tiiu tyc nhdn bdo hilm ra sao thi rat it ngudi nam dupe. Mac du van de bao hiem TNDS cua chu xe CO gidi trong dd cd xe mdy da dupe dl C9P trong Luat Giao thdng dudng bp nam 2008, Thdng tu sd 22/2016/TT-BTC ciia Bd Tdi chmh ban hdnh ngdy 16/2/2016 quy dinh quy tdc, dilu khoan, bieu phi vd rnirc trdch nhipm bdo hiem ddi vdi bdo hiem trdch nhipm ddn sy cua chu xe co gidi, nhung mdi Idn vdn de dupe xdi len thi du ludn xa hpi lai
"xdn xao" nhu the day la chinh sdch mdi.
Bdo hiem bat budc TNDS cua chii xe mdy da dupe phap luat quy dinh. Cy the, khodn 1 Dieu 8 Luat Kinh doanh bdo hiem nam 2010 qiiy dinh: "Bao hiem bat budc chi dp dyng ddi vdi mdt sd loai bao hiem nham myc dich bdo ve lpi ich cdng cdng vd an toan xd hpi", trong dd cd bdo hiem TNDS ciia chu xe may.
Khodn 3 Dieu 8 Ludt nay ciing quy dinh:
"Cdn cu vdo nhu cau phdt trien kinh te - xa hpi tiing thdi ky, Chinh phii trinh Uy ban thudng vy Qudc hpi quy dinh loai bdo hilm
bat budc khdc". Bd luat Ddn sy nam 2015 (siia ddi nam 2017) ciing da ldm ro nguyen nhdn tai sao xe co gidi ndi chung vd xe may ndi rieng Id ddi tupng phdi mua bdo hiem bat budc. Ly do bdi vi Dieu 601 Bd ludt Dan sy 2015 xep "phuong tien giao thdng van tdi co gidi" trong nhdm "ngudn nguy hiem cao dp"
vd quy dinh khi ngudn nguy hiem cao dp gdy ra thiet hai cho ddi tupng khdc thi phdi bli thudng. Them vdo dd, dieu kien cua ngudi lai xe tham gia giao thdng da ghi ro phai mang theo mdt sd gidy td bao gdm Giay chdng nhdn bdo hiem TNDS cua chu xe co gidi^. Ngoai ra, Thdng tu sd 22/2016/TT-BTC ciing da quy dinh rat ro rang, chi tiet quyen lpi Idn trach nhiem cua cac ben tham gia bdo hilm xe co gidi, niem yet miic gia ban bdo hilm bit budc, bang quyen lpi ehi trd bdi thudng cho cdc loai tdn thuong do tai nan, th^m chi con cung cap ca cac bieu mdu hd so giiip chu phuong tipn dien thdng tin de nhan bli thudng. Tuy nhien, ngudi dan khi mua bao hiem xe mdy vdn khdng ndm dupe Id minh dang mua sdn pham bdo hiem ndo, trach nhiem, quyen lpi ra sao. Dieu ndy trude h^t Id do loi cua chinh ngudi dan khdng n5m dupe phdp ludt hi^n hdnh, khdng chii dpng tiep can chinh sdch hen quan den minh,
Ben canh dd, cung khdng the phii nh?in nguyen nhdn chu yeu cua tinh trang tren \i do phdp luat ve bdo hiem TNDS eua chu xe may cdn nhieu bat cap, gay khd khan trong qua trinh dp dyng. Cu the:
Thir nhdt, nguyen tdc tham gia bdo hiem vd nguyen tdc bdi thudng theo quy dinh ciia phdp ludt hien hanh thieu thong nhdt. Theo nguyen tac tham gia bao hilm "Chu xe co gidi khdng dupe ddng thdi tham gia hai hpp ddng bdo hilm bat budc TNDS trd len cho cung mdt xe co gidi"^. Tuy nhien, khoan 5 Dilu 13 Thdng tu sd 22/2016 lai quy dinh
"Trudng hpp chu xe co gidi dong thdi tham
2 http://tiioibaotaichinhvietnam.vn/pages/tien-te-bao-hiem/2020-05-21/bao-hiem-xe-may-se-co-theni-nhieu- quy-dinh-moi-mang-tinh-can-co-va-Iau-dai-87076.aspx.
3 Dilu 58 Lu^t Giao tiidng dudng bg nam 2008.
4 Dilu 4 Lu^t Giao thdng dudng bO nam 2008.
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gia nhieu hop ddng bdo hiem bat budc TNDS cho cimg mdt xe co gidi thi sd tiln bdi thudng chi dupe tinh theo hpp ddng bao hiSm cd hipu lye bao hiem truoc". Khac vdi hpp ddng bdo hilm tdi sdn cd ddi tupng Id tai sdn cu the, hpp ddng bao hiem con ngudi la bao hiem ddi vdi mdt ngudi cy thi; ddi tupng cua hpp ddng bdo hiem TNDS la trdch nhiem bdi thudng thiet hai (BTTH) ciia ngudi tham gia bdo hiem ddi vdi ben thii ba. Dd Id thiet hai ed the xdy ra trong tuong lai, trong pham vi, gidi ban bdo hiem va thupc trdch nhiem bdi thudng cua ben tham gia bao hiem. Trdch nhipm BTTH mang tuih truu tupng; chiing ta khdng nhin thay, khdng cdm nhdn dupe bang cac gidc quan vd thuc te chiing khdng tdn tai hien hiiu tai thdi diem giao ket hop ddng. Chi khi nao ngudi tham gia bdo hiem gay thiet h^i cho ngudi khac vd phdi bdi thudng thi mdi xdc dinh dupe trdch nhiem BTTH la bao nhieu. Vi v^y, ngudi tham gia bdo hieni cd tam ly mong mudn bd ra so tien nhd nhat ma dupe bdi thudng nhieu nhdt bang cdch tham gia nhilu hpp ddng bdo hilm TNDS. Dilu nay cd dupe hay khdng thi phap ludt cdn chua quy dinh thdng nhat. Ben canh dd, phap ludt cung chua cd cdc quy dinh cu the ve trudng hpp phdt hien ra hop ddng bdo hiem tning nhu tren thi hpp ddng thii 2 se bi chdm durt hi^u luc kl tir thdi dilm ndo? Viec hodn phi dupe xu ly nhu thi ndo? Dilu ndy khdng chi gay hoang mang cho chu xe mdy ma cdn dnh hudng den doanh thu hoat ddng cua cdc doanh nghipp bdo hilm (DNBH).
Thir hai, hd so bdi thudng theo quy dinh hien hanh chua thye sy khoa hpc vd hpp ly.
Theo quy dinh, DNBH cd trdch nhiem phdi hpp vdi chu xe co gidi, ngudi bi thipt h?i, co quan cdng an vd edc td chiic, cd nhdn cd lien quan khac dl thu thdp cdc tdi lieu lien quan din thiet hai vl tdi sdn (nhu hda don sira chiia, tliay mdi tdi sdn bj thiet hai); cdc tai lipu lien quan cua co quan cd thim quyen ve vy tai nan (nhu bien bdn khdm nghiem phuong tien lien quan din tai nan, thdng bdo so bp kit qud dilu tra ban ddu vu tai nan giao
5 Dilu 14 Lu^it Giao tiidng dudng bp nam 2008.
THUC TIEN PHAP LUAT thdng...); bien bdn gidm dinh xac dinh nguyen nhdn vd mite dp thiet hai do DNBH hoac ngudi dupe DNBH uy quyen l^p; cdc tdi lieu cd lien quan din vu tai nan^ Thye te cho thdy, viec quy dinh qua nhieu gidy td, nhieu co quan lien quan gdy khd khdn trong viec thuc hien hd so bdi thudng, thdm chi nhieu trudng hpp khdng the thuc hipn dupe.
Thiet hai Idn khdng ndi, cdn vdi thipt hai vai tram nghin khdng phdi luc nao ciing di bao cdng an xdc minh, giam dinh, hay xdc nhdn cua chinh quyen dia phuong, cdc chu phuong tipn thudng ty thuong lupng bdi thudng vi viec dl hodn thien hd so thanh todn bdo hilm qua phiic tap. Vi dy nhu ddi vdi tdi lieu lien quan den xe, lai xe (Ban sao cd xdc nhdn ciia DNBH sau khi da ddi ehilu vdi bdn chinh) yeu edu bdi thudng phai cd trong hd so bdi thudng gdm: a) Gidy dang ky xe; b) Gidy phep Idi xe; c) Giay chiing minh nhan dan hoac Hp chieu hoac edc gidy td tuy thdn khac cua lai xe; d) Giay chimg nhsin bao hilm. Vdn de dat ra Id, neu ngudi dilu khiln phuong tien tham gia giao thdng chi cd ban chiing thye Gidy dang ky xe do bdn gdc dang su dyng thi chdp tai td chiic tin dung thi se khdng ddp ling dupe dilu kipn vl hd so bdi thudng; chua ke khdng phdi liie nao DNBH ciing cd trdch nhiem xdc nhan vdo ban sao cae loai giay td, trong khi chu xe mdy hodn toan cd the chiing thye cdc loai gidy td nay tai cac van phdng cdng chiing.
Thii- ba, phdp ludt thilu quy dinh vl trdch nhipm cy the ddi vdi DNBH vd cdc ben lien quan trong qua trinh thu thap hd so bdi thudng. Lien quan den tai lieu chiing minh thiet hai vl ngudi can cd mdt ho^c mdt sd cac tai lieu sau: a) Gidy chiing thuong; b) Gidy ra vien; c) Giay chiing nhdn phau thuat;
d) Hd so bpnh dn; d) Gidy chung tu (trong trudng hpp nan nhdn tii vong). Tuy nhien, tren thye tl, cd nhilu trudng hpp ben mua bao hilm rdt khd cd the cung cip dupe Gidy chiing tii vd phdi dupe gia dinh nan nhan cung cdp thi ben mua bdo hilm mdi ed thi cd dupe. Do vay, d% nhanh chdng gidi quylt
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quyen lpi bao hiem cho ben thir ba, cdn quy dinh ro trdch nhiem ciia co quan ed thdm quyen phdi cap cae gidy td cdn thiet theo quy dinh trong trudng hpp nan nhdn tit vong;
trdch nhi?m cua cac co sd y te noi cap cuu vd dilu tri eho nan nhan tai nan giao thdng Cling nhu Cdng an chii tri dieu tra de viec bdi thudng dupe gidi quyet thoa ddng, kip thdi.
Thuc tl thdi gian qua, rdt nhilu ngudi mua bdo hiem phdi ty di thu thap ddy du cdc chiing tir tren mdi dupe gidi quyet quyen lpi bao hiem. Nhu vay, trdch nhiem phdi hpp cua DNBH d ddu? Va cd each ndo de ngudi tham gia bdo hiSm yeu cdu DNBH phdi hpp dl thu th^p edc loai giay to tren hay khdng cung la van de phap lugt cdn quy dinh.
Thu tu, thdi han bdo hiem theo quy dinh qua ngan, khdng ddp ung dupe nhu cau bao hiem cua ngudi mua. Thdi han bdo hiem la khodng thdi gian dupe xac dinh theo hpp ddng bdo hiem md trong khodng thdi gian ddj DNBH cd trach nhiem chi tra tien bdo hiem hoac BTTH cho ngudi dupe bdo hiem neu xdy ra sy kien bdo hiem. Thdng thudng, thdi han bdo hiem tning vdi thdi han ciia hop dong bdo hi^m nSn vi^c xdc dinh thdi diem bat ddu ciing nhu thdi diem ket thiic cua thdi han bdo hiem cung theo nguyen tdc xdc dinh thdi diem cd hipu lye cua hpp ddng bdo hiem. Tuy nhien, ed nhieu trudng hpp tuy cung trong thdi ban cd hieu luc cua hop ddng nhung chi nhihig thiet hai nao dupe coi Id su kipn bao hiem xdy ra trong thdi han bdo hiem thi DNBH mdi phdi chi trd tien bdo hiem hoac BTTH cho ngudi dupe bdo hilm.
Do dd, quy dinh hien hdnh ve thdi han bdo hiem 1 nam cho tdt cd cac phuong tien xe co gidi chua tao dieu kien chii ddng cho viec tham gia bao hiem bat budc TNDS cua chu xe mdy. TrSn thuc te, nhigu chu xe mdy khi mua bdo hiem khdng the nhd du^rc thdi han kit thuc de mua tiep; hp cd nhu cdu mua vdi thdi h ^ ddi de do phdi di mua nhilu lin nhung lai khdng dupe phep, nen khdng miy ngudi cdn man ma va quan tdm den vdn de nay. Thiet nghi, mac du myc dieh cua bdo hiem TNDS bdt budc la an smh xa hdi, phi lpi nhudn nen nguyen tac cua nd Id cdn bdng thu chi. Sau mdi mpt nam bdo hiem, co quan
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qudn ly se can ddi quy, nlu thu Idn hon chi till se gidm phi va ngupe lai. Tuy nhien, bdo hilm bdt bupc TNDS ciia chu xe may chi Id 1 sdn pham nhd trong cdc san phdm kinh doanh cua DNBH, se khdng dnh hudng qua nhieu den cdn bang thu chi.
Mdt nguyen nhdn niia dan den tam ly ddi phd cua chu xe mdy khi mua bao hiem TNDS Id tien do co quan bdo hiem bdi thudng khdng theo kip bien dpng ve gid cd thi trudng. Theo quy dinh hipn hdnh, miic trdch nhiem bao hiem cua don vi bdo hiem ddi vdi thiet hai ve ngudi do xe co gidi gdy ra la 100 trieu ddng/1 ngudi/1 vu tai nan. Miic trdch nhiem bao hiem ddi vdi thipt hai ve tdi san do xe md td, xe may gay ra Id 50 tripu ddng/1 vy tai nan.
Ben canh viec bdi thudng cho chu xe, mpt phdn sd tien bao hiem se dupe su dung de ho trp nan nhan khi gap tai nan giao thdng. Trong trudng hpp khdng xac dinh duoc xe gdy tai nan hoac tai nan khdng thuoc pham vi bdo hilm Cling se dupe ho trp bdi thudng nhdn dao cho nan nhan sd tien len den 20 tri?u ddng/ngudi. Tuy nhien, cdc quy dinh imy hipn khdng cdn phu hop, ddng bd vdi he tiidng van bdn phdp ludt cd lien quan. Vi du nhu quy dinh mue h^ch nhiem bdo hiem chua theo kip vdi bien ddng ngdy cdng tang ve gid dich vy khdm, dieu tri, cham sdc y te ciing nhu chi phi sira chua, thay the tdi san hi thiet hai trong cdc vu tai nan do xe co gidi gdy ra, din den ty 1?
tham gia bao hiem ciia chu xe mdy rat thap.
Ngodi ra, viec gidi quyet bdi thudng khong phdn biet theo mue dp loi, nen tren thye te, co nhieu trudng hpp loi din den tai nan giao thdng hodn todn la do nan nhdn gdy ra nhung chii xe van phdi boi thudng miic cao nhit theo bang ty le bdi thudng, vd DNBH phdi chi tra theo qiiy dinh. Dieu ndy khdng chi dat gdnh nang ve kinh phi len vai DNBH va vi pham nguySn tac Idy sd ddng bii sd it md cdn chua hpp ly vi vd hinh chung se khuyin khich vi pham phdp ludt, khdng cdng bdng ddi vdi ngudi chap hanh tdt phdp ludt vl giao thdng.
2. M$t so kiln nghi hoan thifn phap lu^t vl bao hilm bdt bupc trach nhiem dan sgr cua chii xe may
Qua khdi quat thye tr^g phdp lugt Vi?t
Nam ve bdo hilm bdt budc TNDS cua chu xe may nhu da neu tren, tdc gia kiln nghi mpt sd gidi phdp nham hodn thipn phap luat nhu sau:
Thu nhat, yeu cdu cdc DNBH chu dpn^
kiem tra, ra soat viec trien khai bdo hilm bat budc TNDS cua chu xe co gidi trong todn he thong, ddm bdo thuc hien diing theo quy dinh phdp lu|it. Trudiig hpp phat hien cde hanh vi vi pham thi tien hanh chin chinh, xir ly kip thdi. Ddng thdi, cdc co quan lien quan vd cdc doanh nghipp bdo hiem cdn tilp tyc ddy manh tuySn truyen de ngudi ddn nam ro dupe chinh sdch, y nghia cua chinh sdch bdo hiem bdt bu^c TNDS xe may, td dd chu dpng va tich eye tham gia. Ben canh dd, vipe md rpng m ^ g ludi phan phdi, da dang hinh thiie cung cap djch vu, day manh dp dyng cdng nghp thdng tin, ndng cao chat lupng dich vy bdo hiem; ciing nhu viec ndng cao trinh do, ky nang tu vin cua dpi ngii can bp khai thdc bdo hiem, cham sdc khac hang, dpi ngu dai ly bdo hiem... Id cdc van de ma co quan quan ly, ciing nhu cdc DNBH phdi thye sy chu trpng; ddm bdo phat huy tinh rdian van ciia ehl dp ndy la bdo vp tai chinh eho cdc nan nhdn ciia cdc vy tai nan giao thdng dudng bd thipt h^i vl siic khde, tinh mang, tdi san, ngay ca khi khdng xdc dinh dupe xe gay tai nan, xe khdng tham gia bdo hiem hoac tai nan khdng thu^c pham vi bdo hilm.
Thu hai, cin trien khai logi hinh bao hilm TNDS ciia ngudi dilu khiln phuong tipn giao thdng, thay vi bdo hilm TNDS chii xe CO gidi nhu hi^n nay. Bdi vi, tren thuc tl mgc dii ngudi dieu khien xe mdy gay tai nan khdng phdi Id chu xe, nhung chii xe vdn phdi cd trdch nhi$m bdi thudng, do da giao cho ngudi khdc chilm huu, sii dyng xe mdy (nguon nguy hiem cao dp), trir trudng hpp cdc ben cd thoa thudn khdc^. Dilu ndy se sinh ra tinh y Igi, trdn trdnh trdch nhipm cua ngudi thye sy gay tai ngn. Theo dd, bdo hilm TNDS ciia ngudi dilu khien phuong tipn giao thdng dupe xdc dinh dya tren thdng tin cd nhan thay vi thdng tin ciia phuong tien
THUC TIEN PHAP LUAT xe CO gidi nhu hipn nay. Tii dd, dya vdo hch su lien quan den cdc sy kien tai nan giao thdng eiia mdt ngudi, cdng ty bdo hiSm se ddnh gid riii ro vd dua ra miic phi phii hpp cho ngudi dieu khien phuong tien giao thdng dd. Vi dy: Tang giam phi bao hiem cho cd nhdn dd trong thdi gian tiep theo. Dieu ndy se khdc phyc dupe cd van de khd quy trdch nhiem ddi vdi xe khdng chinh chu ciing nhu se qudn ly dupe vdn de tinh phi bdo hiem theo riii ro trdch nhi^m ed nhan. Bao hiem TNDS ciia ngudi dieu khien phuong tien giao thdng se trd thdnh quyen ciing la nghTa vy vd trach nhiem ciia tdt cd nhiing ngudi tham gia giao thdng.
Thir ba, hd so bdi thudng bdo hiem can dupe quy dinh theo hudng don gidn hda, tang trdch nhipm vd tinh chu dpng cua DNBH nhung vdn ddm bdo phdng, chdng gian lan bdo hiem. Dong thdi, phdp ludt can quy dinh rd trdch nhipm thu thdp hd so cua tung ben tai mdi dau myc tdi lieu; cho phep sir dyng bdn sao chumg thye Gidy chiing nhdn dang ky kem bdn gdc Giay bien nhan cua td chuc tin dyng edn hieu lye thay cho ban chinh trong thdi gian td chiic tin dyng giii bdn chinh de gidm nhe gdnh nang cho chu xe mdy.
Thir^ tu, cdn tang mire trdch nhipm bdo hiem; ve co ban, can ddm bao chi phi thye te ve gid djch vy khdm, dieu tri, cham sdc y te vd ehi phi khac phyc thiet hai ddi vdi tai sdn. Ngudi ddn khdng man ma vdi bao hiem xe mdy Id do thu tyc bdi thudng bdo hiem khd khan, bdi thudng lai thap. Vi vdy, neu viec cung cap sdn phdm bdo hiem thudn lpi vd chit lupng ciing ndi dung rd rang thi ngudi ddn se khdng ngan ngai khi mua sdn pham ndy.
Thu ndm, phdp ludt khdng nen quy dinh thdi han ciing ciia hpp ddng bdo hiem md nen quy dinh linh hoat theo hudng chi quy dinh thdi han tdi thieu vd tdi da. Dieu ndy tao sy chu ddng cho ngudi mua bdo hiem, phu hpp chien lupc myc tieu kinh doanh vd khd ndng qudn ly ciia DNBH •
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