B TI CHNH

________________

CNG HA X HI CH NGHA VIT NAM c lp - T do - Hnh phc

_______________________________________

S: 126 /2008/TT-BTC

H Ni, ngy 22 thng 12 nm 2008

Deleted: D THO

Formatted: Font: 11 pt

THNG T Quy nh Quy tc, iu khon, biu ph v mc trch nhim bo him bt buc trch nhim dn s ca ch xe c gii

Deleted: CA CHNH PH

Deleted:

Cn c Ngh nh s 118/2008/N-CP ngy 27 thng 11 nm 2008 ca Chnh ph quy nh chc nng, nhim v, quyn hn v c cu t chc ca B Ti chnh; Cn c Ngh nh s 103/2008/N-CP ngy 16 thng 9 nm 2008 ca Chnh ph v bo him bt buc trch nhim dn s ca ch xe c gii; B Ti chnh quy nh Quy tc, iu khon, biu ph v mc trch nhim bo him bt buc trch nhim dn s ca ch xe c gii nh sau: I. QUY NH CHUNG 1. Phm vi iu chnh Thng t ny quy nh Quy tc, iu khon, biu ph v mc trch nhim bo him bt buc trch nhim dn s ca ch xe c gii. Ch xe c gii, doanh nghip bo him c php trin khai bo him bt buc trch nhim dn s ca ch xe c gii v cc t chc, c nhn c lin quan c trch nhim tun th cc quy nh ti Thng t ny v cc quy nh khc ca php lut c lin quan. 2. i tng p dng 2.1. Ch xe c gii tham gia giao thng trn lnh th nc Cng ha x hi ch ngha Vit Nam. 2.2. Doanh nghip bo him c php trin khai bo him bt buc trch nhim dn s ca ch xe c gii theo quy nh ca php lut. 3. Gii thch t ng 3.1. Doanh nghip bo him l doanh nghip c thnh lp v hot ng kinh doanh bo him hp php ti Vit Nam v c php trin khai bo him bt buc trch nhim dn s ca ch xe c gii. 3.2. Ch xe c gii (t chc, c nhn) l ch s hu xe c gii hoc

c ch s hu xe c gii giao chim hu, s dng hp php, iu khin xe c gii. 3.3. Xe c gii bao gm xe t, my ko, xe my thi cng, xe my nng nghip, lm nghip v cc loi xe c chng khc s dng vo mc ch an ninh, quc phng (k c r-moc v s mi r-moc c ko bi xe t hoc my ko), xe m t hai bnh, xe m t ba bnh, xe gn my v cc loi xe c gii tng t (k c xe c gii dng cho ngi tn tt) c tham gia giao thng. 3.4. Hnh khch l ngi c ch trn xe theo hp ng vn chuyn hnh khch thuc cc hnh thc quy nh trong B lut Dn s. 3.5. Bn th ba l ngi b thit hi v thn th, tnh mng, ti sn do xe c gii gy ra, tr nhng ngi sau: a) Li xe, ph xe trn chnh chic xe ; b) Ngi trn xe v hnh khch trn chnh chic xe ; c) Ch s hu xe tr trng hp ch s hu giao cho t chc, c nhn khc chim hu, s dng chic xe . 3.6. Ngy (thi hn) quy nh trong Thng t ny l ngy lm vic. 4. Nguyn tc tham gia bo him 4.1. Ch xe c gii tham gia giao thng trn lnh th nc Cng ha x hi ch ngha Vit Nam phi tham gia bo him bt buc trch nhim dn s ca ch xe c gii theo quy nh ti Thng t ny v cc quy nh khc ca php lut c lin quan. 4.2. Ch xe c gii khng c ng thi tham gia hai hp ng bo him bt buc trch nhim dn s tr ln cho cng mt xe c gii. 4.3. Ngoi vic tham gia hp ng bo him bt buc trch nhim dn s, ch xe c gii c th tho thun vi doanh nghip bo him tham gia hp ng bo him t nguyn. 4.4. Doanh nghip bo him c quyn ch ng bn bo him bt buc trch nhim dn s ca ch xe c gii di cc hnh thc sau: a) Trc tip; b) Thng qua i l bo him, mi gii bo him; c) Cc hnh thc khc ph hp vi quy nh ca php lut. Trng hp bn bo him bt buc trch nhim dn s ca ch xe c gii thng qua i l bo him th i l bo him phi p ng cc tiu chun theo
2

quy nh ti Lut Kinh doanh bo him v cc vn bn hng dn thi hnh, cc quy nh khc ca php lut c lin quan. Doanh nghip bo him khng c s dng i l bn bo him trch nhim dn s ca ch xe c gii ca doanh nghip bo him khc tr trng hp doanh nghip bo him chp thun bng vn bn v doanh nghip bo him phi o to v cp chng ch i l bo him theo ng quy nh. 5. Phm vi bi thng thit hi 5.1. Thit hi v thn th, tnh mng v ti sn i vi bn th ba do xe c gii gy ra. 5.2. Thit hi v thn th v tnh mng ca hnh khch theo hp ng vn chuyn hnh khch do xe c gii gy ra. II. QUY NH C TH 1. Hp ng bo him trch nhim dn s ca ch xe c gii 1.1. Giy chng nhn bo him bt buc trch nhim dn s ca ch xe c gii (sau y gi tt l Giy chng nhn bo him) l bng chng giao kt hp ng bo him bt buc trch nhim dn s duy nht gia ch xe c gii v doanh nghip bo him. Mi xe c gii c cp 1 Giy chng nhn bo him. Ch xe c gii b mt Giy chng nhn bo him phi c vn bn ngh doanh nghip bo him (ni cp Giy chng nhn bo him) cp li Giy chng nhn bo him. 1.2. Doanh nghip bo him ch cp Giy chng nhn bo him cho ch xe c gii khi ch xe c gii ng ph bo him. Vic ng ph bo him phi c xc nhn bng chng t k ton ca doanh nghip bo him (bin lai thu tin, ha n thu tin ca doanh nghip bo him hoc cc hnh thc chng t khc theo quy nh ca php lut c lin quan). 1.3. Pht hnh, qun l v s dng Giy chng nhn bo him: a) Doanh nghip bo him c php t in Giy chng nhn bo him theo ng mu do B Ti chnh quy nh ti Ph lc 1 v Ph lc 2 ban hnh km theo Thng t ny. Giy chng nhn bo him bt buc trch nhim dn s ca ch xe c gii phi in ring, tch bit vi phn Giy chng nhn bo him t nguyn (nu c). Trng hp doanh nghip bo him ghp Giy chng nhn bo him bt buc trch nhim dn s ca ch xe c gii v Giy chng nhn bo him t nguyn xe c gii th thc hin theo hng dn ti Ph lc 3 ban hnh km theo Thng t ny.

b) Giy chng nhn bo him phi c in s theo dy s t nhin, th t t nh n ln. c) Giy chng nhn bo him phi c s dng theo ng th t Giy chng nhn bo him ca tng quyn, khng c dng cch s (tr trng hp vit sai cn hy b hoc vic b cch s l ph hp vi cc quy nh c th theo quy trnh qun l n ch ca doanh nghip bo him. Giy chng nhn bo him b hu b phi c gch cho, ghi r l hu b v phi lu tr y ti doanh nghip bo him). d) Doanh nghip bo him phi ghi y cc thng tin quy nh trn Giy chng nhn bo him. Cc thng tin ghi trn Giy chng nhn bo him cp cho ch xe c gii phi trng khp vi cc thng tin trong cc lin lu ti doanh nghip bo him. ) Doanh nghip bo him c trch nhim thc hin m s sch theo di vic pht hnh, s dng v quyt ton vic s dng Giy chng nhn bo him, m bo thng xuyn qun l c chi tit theo tng Giy chng nhn bo him. e) Doanh nghip bo him phi xy dng quy trnh pht hnh, qun l v s dng Giy chng nhn bo him bo m cc quy nh nu trn. 2. Thi hn v hiu lc bo him 2.1. Thi im bt u c hiu lc ca Giy chng nhn bo him c ghi c th trn Giy chng nhn bo him nhng khng c trc thi im ch xe c gii ng ph bo him. 2.2. Thi hn bo him ghi trn Giy chng nhn bo him l 01 nm. Trong cc trng hp sau, thi hn bo him c th di 01 nm: a) Xe c gii nc ngoi tm nhp, ti xut c thi hn tham gia giao thng trn lnh th nc Cng ha x hi ch ngha Vit Nam di 01 nm; b) Nin hn s dng ca xe c gii nh hn 01 nm; c) Xe c gii thuc i tng ng k tm thi theo quy nh ca php lut, bao gm: - t mi nhp khu v sn xut lp rp lu hnh t kho, cng, nh my, i l bn xe n ni ng k hoc v cc i l, kho lu tr khc; - t lm th tc xa s ti xut v nc; - t c php qu cnh (tr xe c Hip nh k kt ca Nh nc); - t st xi c bung li, t ti khng thng;
4

- t st hch; - Xe mang bin s khu kinh t thng mi theo quy nh ca Chnh ph vo hot ng trong ni a Vit Nam; - Xe mi lp rp ti Vit Nam chy th nghim trn ng giao thng cng cng; - Xe phc v hi ngh, th thao theo yu cu ca Chnh ph hoc B Cng an; - Cc loi xe c gii khc c php tm ng k theo quy nh ca php lut. 2.3. Trong thi hn cn hiu lc ghi trn Giy chng nhn bo him, nu c s chuyn quyn s hu xe c gii th mi quyn li bo him lin quan n trch nhim dn s ca ch xe c gii c vn cn hiu lc i vi ch xe c gii mi. 3. Ph bo him 3.1. Ph bo him l khon tin m ch xe c gii phi ng cho doanh nghip bo him khi mua bo him bt buc trch nhim dn s ca ch xe c gii. Mc ph bo him ca tng loi xe c gii c quy nh ti Ph lc 5 ban hnh km theo Thng t ny. 3.2. i vi cc xe c gii c php mua bo him c thi hn di 01 nm theo quy nh ti im 2.2 Phn II ca Thng t ny, mc ph bo him s c tnh da trn mc ph bo him quy nh ti Ph lc 5 Thng t ny v tng ng vi thi hn c bo him ghi trn Giy chng nhn bo him. Cch tnh c th nh sau:
Ph bo him nm theo loi xe c gii Ph bo him phi np

------------------------------------------------

x thi hn c bo him (ngy)

365 (ngy) Trng hp thi hn c bo him t 30 ngy tr xung th ph bo him phi np c tnh bng ph bo him nm theo loi xe c gii/(chia) cho 12 thng. 4. Mc trch nhim bo him Mc trch nhim bo him l s tin ti a doanh nghip bo him c th phi tr i vi thit hi v thn th, tnh mng v ti sn ca bn th ba v hnh khch do xe c gii gy ra trong mi v tai nn xy ra thuc phm vi trch nhim bo him. C th nh sau:
5

4.1. Mc trch nhim bo him i vi thit hi v ngi do xe c gii gy ra l 50.000.000 ng/1 ngi/1 v tai nn. 4.2. Mc trch nhim bo him i vi thit hi v ti sn do xe m t hai bnh, xe m t ba bnh, xe gn my v cc loi xe c gii tng t (k c xe c gii dng cho ngi tn tt) gy ra l 30.000.000 ng/1 v tai nn. 4.3. Mc trch nhim bo him i vi thit hi v ti sn do xe t, my ko, xe my thi cng, xe my nng nghip, lm nghip v cc loi xe c chng khc s dng vo mc ch an ninh, quc phng (k c r-moc v s mi r-moc c ko bi xe t hoc my ko) gy ra l 50.000.000 ng/1 v tai nn. 5. Hy b hp ng bo him 5.1. Hp ng bo him ch c hy b trong nhng trng hp sau: a) Xe c gii b thu hi ng k v bin s theo quy nh ca php lut; b) Xe c gii ht nin hn s dng theo quy nh ca php lut; c) Xe c gii b mt c c quan cng an xc nhn; d) Xe c gii hng khng s dng c hoc b ph hu do tai nn giao thng c c quan cng an xc nhn. 5.2. Ch xe c gii mun hu b hp ng bo him phi thng bo bng vn bn cho doanh nghip bo him km theo Giy chng nhn bo him mun hu b v cc bng chng v vic xe c gii thuc i tng c hy b hp ng bo him theo quy nh ti im 5.1 Phn II Thng t ny. Hp ng bo him chm dt t thi im doanh nghip bo him nhn c thng bo hu b hp ng bo him. 5.3. Trong thi hn 05 ngy, k t ngy nhn c thng bo, doanh nghip bo him phi hon li cho ch xe c gii 70% phn ph bo him ca thi gian hy b. Doanh nghip bo him khng phi hon ph bo him trong trng hp hp ng bo him ang c hiu lc, nhng ch xe c gii yu cu hy b hp ng bo him xy ra s kin bo him v pht sinh trch nhim bi thng bo him. 5.4. Trng hp ch xe c gii khng c thng bo v vic hu b hp ng bo him, nhng doanh nghip bo him c nhng bng chng c th v vic xe c gii thuc i tng c hy b hp ng bo him theo quy nh ti im 5.1 Phn II Thng t ny, th doanh nghip bo him phi thng bo cho ch xe c gii thc hin cc th tc hu b hp ng. Sau 15 ngy k
6

t ngy nhn c thng bo m ch xe c gii khng thc hin cc th tc hy b hp ng bo him th hp ng bo him mc nhin c hy b. 6. Gim nh thit hi 6.1. Khi xy ra tai nn, doanh nghip bo him hoc ngi c doanh nghip bo him u quyn phi phi hp cht ch vi ch xe c gii, bn th ba hoc ngi i din hp php ca cc bn lin quan thc hin vic gim nh tn tht xc nh nguyn nhn v mc tn tht. Kt qu gim nh phi lp thnh vn bn c ch k ca cc bn lin quan. Doanh nghip bo him chu trch nhim v chi ph gim nh. 6.2. Trng hp ch xe c gii khng thng nht v nguyn nhn v mc thit hi do doanh nghip bo him xc nh, hai bn c th tho thun chn c quan gim nh c lp thc hin vic gim nh. Trong trng hp cc bn khng tho thun c vic trng cu gim nh c lp th mt trong cc bn c yu cu To n ni xy ra tn tht hoc ni c tr ca ch xe c gii ch nh gim nh c lp. Kt lun bng vn bn ca gim nh c lp c gi tr bt buc i vi cc bn. 6.3. Trng hp kt lun ca gim nh c lp khc vi kt lun gim nh ca doanh nghip bo him, doanh nghip bo him phi tr chi ph gim nh c lp. Trng hp kt lun ca gim nh c lp trng vi kt lun gim nh ca doanh nghip bo him, ch xe c gii phi tr chi ph gim nh c lp. 6.4. Trong trng hp c bit khng th thc hin c vic gim nh, th doanh nghip bo him c cn c vo cc bin bn, kt lun ca cc c quan chc nng c thm quyn v cc ti liu lin quan xc nh nguyn nhn v mc thit hi. 7. Loi tr bo him Doanh nghip bo him khng bi thng thit hi i vi cc trng hp sau: 7.1. Hnh ng c gy thit hi ca ch xe, li xe hoc ca ngi b thit hi. 7.2. Li xe gy tai nn c b chy khng thc hin trch nhim dn s ca ch xe, li xe c gii. 7.3. Li xe khng c Giy php li xe hp l hoc Giy php li xe khng ph hp i vi loi xe c gii bt buc phi c Giy php li xe. 7.4. Thit hi gy ra hu qu gin tip nh: gim gi tr thng mi, thit hi gn lin vi vic s dng v khai thc ti sn b thit hi.
7

7.5. Thit hi i vi ti sn b mt cp hoc b cp trong tai nn. 7.6. Chin tranh, khng b, ng t. 7.7. Thit hi i vi ti sn c bit bao gm: vng, bc, qu, tin, cc loi giy t c gi tr nh tin, c, tranh nh qu him, thi hi, hi ct. 8. Nguyn tc bi thng 8.1. Khi tai nn xy ra, trong phm vi mc trch nhim bo him, doanh nghip bo him phi bi thng cho ch xe c gii s tin m ch xe c gii bi thng hoc s phi bi thng cho ngi b thit hi. Trng hp ch xe c gii cht hoc b thng tt ton b vnh vin, doanh nghip bo him bi thng trc tip cho ngi b thit hi. 8.2. Trng hp cn thit, doanh nghip bo him phi tm ng ngay nhng chi ph cn thit v hp l trong phm vi trch nhim bo him nhm khc phc hu qu tai nn. 8.3. Mc bi thng bo him: a) Mc bi thng c th cho tng loi thng tt, thit hi v ngi c xc nh theo Bng quy nh tr tin bi thng thit hi v ngi theo quy nh ti Ph lc 6 ban hnh km theo Thng t ny. Trng hp c quyt nh ca to n th cn c vo quyt nh ca to n nhng khng vt qu mc trch nhim bo him. Trng hp nhiu xe c gii gy tai nn dn n cc thit hi v ngi, mc bi thng c xc nh theo mc li ca ch xe c gii nhng tng mc bi thng khng vt qu mc trch nhim bo him. b) Mc bi thng c th i vi thit hi v ti sn/1 v tai nn c xc nh theo thit hi thc t v theo mc li ca ch xe c gii nhng khng vt qu mc trch nhim bo him. 8.4. Doanh nghip bo him khng c trch nhim bi thng phn vt qu mc trch nhim bo him theo quy nh ti mc 4 Phn II v Ph lc 6 ban hnh km theo Thng t ny. 8.5. Trng hp ch xe c gii ng thi tham gia nhiu hp ng bo him bt buc trch nhim dn s cho cng mt xe c gii th s tin bi thng ch c tnh theo hp ng bo him c hiu lc bo him trc. 9. H s bi thng Doanh nghip bo him c trch nhim phi hp vi ch xe c gii, ngi b thit hi, c quan cng an v cc t chc, c nhn c lin quan khc thu thp cc
8

ti liu c lin quan n v tai nn giao thng lp H s bi thng. H s bi thng bao gm cc ti liu sau: 9.1. Ti liu lin quan n xe, li xe (Bn sao c xc nhn ca doanh nghip bo him sau khi i chiu vi bn chnh): a) Giy ng k xe; b) Giy php li xe; c) Giy chng minh nhn dn hoc H chiu hoc cc giy t tu thn khc ca li xe; d) Giy chng nhn bo him. 9.2. Ti liu chng minh thit hi v ngi (Bn sao ca cc c s y t hoc bn sao c xc nhn ca doanh nghip bo him), ty theo mc thit hi v ngi c th bao gm mt hoc mt s cc ti liu sau: a) Giy chng thng; b) Giy ra vin; c) Giy chng nhn phu thut; d) H s bnh n; ) Giy chng t (trong trng hp nn nhn t vong). 9.3. Ti liu chng minh thit hi v ti sn: a) Ha n, chng t hp l v vic sa cha, thay mi ti sn b thit hi do tai nn giao thng gy ra do ch xe thc hin ti cc c s do doanh nghip bo him ch nh hoc c s ng ca doanh nghip bo him. b) Cc giy t chng minh chi ph cn thit v hp l m ch xe chi ra gim thiu tn tht hay thc hin theo ch dn ca doanh nghip bo him. 9.4. Bn sao cc ti liu lin quan ca c quan c thm quyn v v tai nn: a) Bin bn khm nghim hin trng v tai nn; b) S hin trng, bn nh (nu c); c) Bin bn khm nghim phng tin lin quan n tai nn; d) Thng bo s b kt qu iu tra ban u v tai nn giao thng;
9

) Cc ti liu khc c lin quan n v tai nn (nu c). 10. Thi hn yu cu, thanh ton v khiu ni bi thng 10.1. Thi hn yu cu bi thng ca ch xe c gii l 01 nm k t ngy xy ra tai nn, tr trng hp chm tr do nguyn nhn khch quan v bt kh khng theo quy nh ca php lut. 10.2. Trong thi hn 05 ngy k t ngy xy ra tai nn (tr trng hp bt kh khng), ch xe c gii phi gi thng bo bng vn bn theo mu quy nh ti Ph lc 4 km theo cc ti liu quy nh trong h s yu cu bi thng thuc trch nhim ca ch xe c gii ban hnh km theo Thng t ny cho doanh nghip bo him. 10.3. Thi hn thanh ton bi thng ca doanh nghip bo him l 15 ngy k t khi nhn c h s bi thng thuc trch nhim ca ch xe c gii v khng qu 30 ngy trong trng hp phi tin hnh xc minh h s. 10.4. Trng hp t chi bi thng, doanh nghip bo him phi thng bo bng vn bn cho ch xe c gii bit l do t chi bi thng trong thi hn 30 ngy k t ngy nhn c h s yu cu bi thng bo him. 10.5. Thi hiu khi kin v vic bi thng bo him l 03 nm k t ngy doanh nghip bo him thanh ton bi thng hoc t chi bi thng. Qu thi hn trn quyn khi kin khng cn gi tr. 11. Quyn ca ch xe c gii 11.1. c la chn doanh nghip bo him tham gia bo him bt buc trch nhim dn s ca ch xe c gii. 11.2. Yu cu doanh nghip bo him gii thch, cung cp cc thng tin lin quan n vic giao kt, thc hin v hu b hp ng bo him. 11.3. Trng hp c s thay i nhng yu t lm c s tnh ph bo him dn n gim cc ri ro c bo him, c quyn yu cu doanh nghip bo him gim mc ph bo him ph hp cho thi gian cn li ca hp ng bo him. 11.4. Yu cu doanh nghip bo him bi thng nhanh chng, y v kp thi theo hp ng bo him. 11.5. Ch xe c gii l n v sn xut kinh doanh, ph bo him c tnh vo chi ph hot ng kinh doanh; ch xe c gii l c quan hnh chnh, n v s nghip ca Nh nc, ph bo him c b tr trong kinh ph hot ng thng xuyn ca c quan, n v. 11.6. Cc quyn khc theo quy nh ca php lut.

10

12. Ngha v ca ch xe c gii 12.1. Phi tham gia v ng y ph bo him bt buc trch nhim dn s ca ch xe c gii theo quy nh ti Thng t ny v cc quy nh ca php lut c lin quan. Khi mua bo him, ch xe c gii phi cung cp y v trung thc nhng ni dung c quy nh trong Giy chng nhn bo him. 12.2. To iu kin thun li doanh nghip bo him xem xt tnh trng xe trc khi cp Giy chng nhn bo him. 12.3. Trng hp c s thay i v mc ch s dng xe dn n tng hoc gim cc ri ro c bo him, ch xe c gii phi kp thi thng bo cho doanh nghip bo him p dng mc ph bo him ph hp cho thi gian cn li ca hp ng bo him. 12.4. Ch xe c gii phi lun mang theo Giy chng nhn bo him cn hiu lc khi tham gia giao thng, xut trnh giy t ny khi c yu cu ca lc lng cnh st giao thng v c quan chc nng c thm quyn khc theo quy nh ca php lut. 12.5. Tun th cc quy nh v m bo an ton giao thng ng b. 12.6. Khi tai nn giao thng xy ra, ch xe c gii phi c trch nhim: a) Thng bo ngay cho doanh nghip bo him phi hp gii quyt, tch cc cu cha, hn ch thit hi v ngi v ti sn, bo v hin trng tai nn; ng thi thng bo cho c quan Cng an hoc chnh quyn a phng ni gn nht; b) Khng c di chuyn, tho g hoc sa cha ti sn khi cha c kin chp thun ca doanh nghip bo him; tr trng hp cn thit m bo an ton, phng hn ch thit hi v ngi v ti sn hoc phi thi hnh theo yu cu ca c quan c thm quyn; c) Cung cp cc ti liu trong H s bi thng quy nh ti im 9.1, 9.2 v 9.3 (Trng hp doanh nghip bo him thc hin sa cha, khc phc thit hi th ch xe c gii khng phi cung cp ti liu quy nh ti im 9.3.a) Phn II Thng t ny v to iu kin thun li cho doanh nghip bo him trong qu trnh xc minh cc ti liu . 12.7. Ch xe c gii phi thng bo bng vn bn cho doanh nghip bo him trong trng hp xe c gii thuc i tng c hy b hp ng bo him theo quy nh ti im 5.1 Phn II Thng t ny. 12.8. Thng bo v tr tin bi thng cho ngi b tai nn s tin h c doanh nghip bo him tr i vi tng trng hp thit hi v ngi theo ng mc tin quy nh ti Ph lc 6.
11

12.9. Cc trch nhim khc theo quy nh ca php lut. 13. Quyn ca doanh nghip bo him 13.1. Thu ph bo him bt buc trch nhim dn s ca ch xe c gii theo quy nh ca B Ti chnh. Trng hp c s thay i nhng yu t lm c s tnh ph bo him, dn n tng cc ri ro c bo him, c quyn yu cu ch xe c gii np thm ph bo him cho thi gian cn li ca hp ng bo him. 13.2. Yu cu ch xe c gii cung cp y v trung thc nhng ni dung c quy nh trong Giy chng nhn bo him; xem xt tnh trng xe c gii trc khi cp Giy chng nhn bo him. 13.3. ngh c quan Cng an cung cp bn sao cc ti liu lin quan n v tai nn theo quy nh ti khon 3 iu 22 Ngh nh 103/2008/N-CP. 13.4. T chi gii quyt bi thng i vi nhng trng hp khng thuc trch nhim bo him. 13.5. Kin ngh sa i, b sung quy tc, iu khon, biu ph bo him bt buc trch nhim dn s ca ch xe c gii ph hp vi thc t trin khai loi hnh bo him ny. 13.6. Cc quyn khc theo quy nh ca php lut. 14. Ngha v ca doanh nghip bo him 14.1. Phi bn bo him bt buc trch nhim dn s ca ch xe c gii theo ng Quy tc, biu ph v mc trch nhim bo him theo quy nh ti Thng t ny. Trng hp doanh nghip bo him nhn c thng bo ca ch xe c gii v s thay i nhng yu t lm c s tnh ph bo him, dn n gim cc ri ro c bo him, doanh nghip bo him phi gim ph bo him cho thi gian cn li ca hp ng bo him v hon tr s tin chnh lch cho ch xe c gii. 14.2. Phi t chc tuyn truyn rng ri v ch bo him bt buc trch nhim dn s ca ch xe c gii; cung cp y thng tin lin quan n hp ng bo him v gii thch r Quy tc, iu khon v biu ph bo him bt buc trch nhim dn s ca ch xe c gii cho ch xe c gii. 14.3. Phi s dng mu Giy chng nhn bo him theo quy nh ti Ph lc 1, Ph lc 2 v Ph lc 3 (nu c) ban hnh km theo Thng t ny cp cho ch xe c gii. 14.4. Khng c chi h tr i l bn bo him trch nhim dn s ca ch xe c gii di mi hnh thc ngoi mc hoa hng bo him i l c hng theo quy nh ca B Ti chnh.
12

14.5. Khng c khuyn mi di mi hnh thc i vi bo him bt buc trch nhim dn s ca ch xe c gii. 14.6. Thanh ton cho c quan Cng an chi ph sao chp nhng h s, bin bn tai nn c cung cp v c trch nhim gi gn b mt trong qu trnh iu tra. 14.7. Thu thp cc ti liu trong H s bi thng quy nh ti im 9.3.a (trng hp doanh nghip bo him thc hin sa cha, khc phc thit hi) v im 9.4 Phn II Thng t ny. 14.8. Thng bo cho ngi b tai nn, ch xe c gii bit s tin bi thng thit hi v ngi v thanh ton s tin bi thng theo ng mc quy nh ti Ph lc 6 ban hnh km theo Thng t ny. 14.9. Chi tr bi thng nhanh chng v chnh xc theo quy nh ca Thng t ny v cc quy nh khc ca php lut c lin quan. 14.10 Trong vng 15 ngy trc khi ht thi hn bo him phi thng bo cho ch xe c gii v vic ht thi hn ca hp ng bo him. 14.11. Trch ti thiu 2% doanh thu ph bo him bt buc trch nhim dn s ca ch xe c gii hng nm ng vo Qu bo him xe c gii. Mc ng gp hng nm theo quy nh ca B Ti chnh. 14.12. Phi hch ton tch bit doanh thu ph bo him, hoa hng, bi thng v cc khon chi ph khc lin quan n bo him bt buc trch nhim dn s ca ch xe c gii. 14.13. Xy dng v vn hnh h thng cng ngh thng tin m bo vic thng k v cp nht tnh hnh trin khai bo him bt buc trch nhim dn s ca ch xe c gii m bo kt ni vo c s d liu v bo him bt buc trch nhim dn s ca ch xe c gii. H thng c s d liu ti thiu phi cung cp c cc thng tin sau: a) Thng tin ch xe c gii: - Tn ch xe; - S Giy chng minh nhn dn ca ch xe hoc s h chiu (i vi ch xe l c nhn); - a ch lin lc. b) Thng tin v xe c gii: - Bin s ng k; - Nhn hiu;
13

- Loi xe; - Dung tch; - Mu sn; - Nm sn xut; - S my; - S khung; - Trng ti (trng hp xe t); - S ch ngi (trng hp xe t); - Mc ch s dng xe (kinh doanh hoc khng kinh doanh) (trng hp xe t); - S giy chng nhn bo him; - Thi im c hiu lc bo him; - Thi im ht hiu lc bo him; - Ph bo him; - Ngy np ph; - Ngy cp n; - Ni cp n; - Ngi cp n. c) Thng tin ghi nhn v s ln gy tai nn, s ln b x l vi phm Lut giao thng ng b ca li xe c gii. - S ln gy tai nn (chi tit thi gian, a im, mc vi phm theo xc nh li ca c quan cng an); - S ln nhn tin bi thng, s tin bi thng theo tng v tai nn (chi tit theo tng v tai nn); - S ln b x l vi phm Lut giao thng ng b ca li xe (nu c). 14.14. Bo co B Ti chnh v tnh hnh thc hin bo him bt buc trch nhim dn s ca ch xe c gii theo nh k hoc khi c yu cu, c th: a) Bo co nh k thc hin theo quy nh ti Ph lc 7 v Ph lc 8 ban hnh km theo Thng t ny.
14

b) Ngoi cc bo co quy nh ti Ph lc 7 v Ph lc 8, doanh nghip bo him c trch nhim bo co v tnh hnh trin khai bo him bt buc trch nhim dn s ca ch xe c gii khi c yu cu ca B Ti chnh. Trong thi hn 2 nm k t ngy Thng t ny c hiu lc, doanh nghip bo him phi xy dng c s d liu p ng cc quy nh ti im 14.13 Phn II Thng t ny. 14.15. Chu s kim tra, gim st ca cc c quan Nh nc c thm quyn trong vic thc hin bo him bt buc trch nhim dn s ca ch xe c gii. 14.16. Cc trch nhim khc theo quy nh ca php lut. 15. Gii quyt tranh chp Mi tranh chp pht sinh t hp ng bo him, nu khng gii quyt c bng thng lng gia cc bn lin quan s c a ra Ta n ti Vit Nam gii quyt. III. T CHC THC HIN 1. Thng t ny c hiu lc sau 15 ngy k t ngy ng Cng bo, thay th Quyt nh s 23/2007/Q-BTC ngy 9/4/2007 ca B trng B Ti chnh v vic ban hnh ch bo him bt buc trch nhim dn s ca ch xe c gii. 2. Trong qu trnh thc hin, nu pht sinh vng mc, ngh phn nh kp thi v B Ti chnh xem xt, gii quyt ./.
Ni nhn: - Vn phng TW v cc ban ca ng; - Vn phng Quc Hi; - Vn phng Ch tch nc; - Vn phng Chnh ph; - Vin Kim st nhn dn ti cao; - To n nhn dn ti cao; - Cc B, c quan ngang B, c quan thuc Chnh ph; - UBND cc tnh, thnh ph trc thuc Trung ng; - C quan TW v cc on th; - Kim ton Nh nc; - Cc kim tra vn bn B T php; - Cng bo, Website Chnh ph; - Cc n v thuc B Ti chnh; - Website B Ti chnh; - Hip hi bo him, DNBH; - Lu VT, V Bo him. KT. B TRNG TH TRNG

Trn Xun H

15