Ngày 15/01/2021, Chính phủ ban hành Nghị định 03/2021/NĐ-CP (NĐ 03) thay thế cho Nghị định 03/2021/NĐ-CP (NĐ 03) về Bảo hiểm bắt buộc trách nhiệm dân sự đối với xe cơ giới từ ngày 01/03/2021. Đã có những điều thay đổi so với Nghị định cũ như sau:

-
Tăng mức phí bảo hiểm tối đa 15%
Chính phủ ban hành Nghị định 03/2021/NĐ-CP (NĐ 03) về Bảo hiểm bắt buộc trách nhiệm dân sự đối với xe cơ giới đối với chủ xe cơ giới tham gia giao thông trên ãnh thổ Việt Nam. Cụ thể như sau :
- Khoản 3, Điều 7 Nghị định 03/2021/NĐ-CP về phí bảo hiểm và thanh toán phí bảo hiểm quy định căn cứ vào lịch sử tai nạn của từng xe cơ giới và năng lực chấp nhận rủi ro của mình, doanh nghiệp bảo hiểm chủ động xem xét, điều chỉnh tăng phí bảo hiểm. Mức tăng phí bảo hiểm tối đa là 15% tính trên phí bảo hiểm do Bộ Tài chính quy định. Đây là một trong những điều khoản mới đối với bảo hiểm xe cơ giới.
- Bên cạnh đó, Khoản 4, Điều 7 Nghị định 03/2021/NĐ-CP còn quy định đối với các xe cơ giới được phép mua bảo hiểm có thời hạn khác 1 năm, phí bảo hiểm được tính dựa trên phí bảo hiểm do Bộ Tài chính quy định và tương ứng với thời hạn được bảo hiểm.
-
Thời hạn bảo hiểm thay đổi
Căn cứ quy định tại Khoản 1 Điều 9 thì thời hạn ghi trên Giấy chứng nhận bảo hiểm cụ thể:
- Đối với xe mô tô hai bánh, ba bánh, xe gắn máy (kể cả xe máy điện) và các loại xe có kết cấu tương tự theo quy định của Luật Giao thông đường bộ, thời hạn bảo hiểm tối thiểu là 1 năm và tối đa là 3 năm.
- Đối với các xe cơ giới còn lại, thời hạn bảo hiểm tối thiểu là 1 năm và thời hạn tối đa tương ứng với thời hạn kiểm định an toàn kỹ thuật và bảo vệ môi trường định kỳ có thời hạn trên 1 năm.
- Trong các trường hợp sau, thời hạn bảo hiểm dưới 1 năm: Xe cơ giới nước ngoài tạm nhập, tái xuất có thời hạn tham gia giao thông trên lãnh thổ nước Cộng hòa xã hội chủ nghĩa Việt Nam dưới 1 năm; niên hạn sử dụng của xe cơ giới nhỏ hơn 1 năm theo quy định của pháp luật; xe cơ giới thuộc đối tượng đăng ký tạm thời theo quy định của Bộ Công an.
- Trường hợp chủ xe cơ giới có nhiều xe tham gia bảo hiểm vào nhiều thời điểm khác nhau trong năm nhưng đến năm tiếp theo có nhu cầu đưa về cùng một thời điểm bảo hiểm để quản lý, thời hạn bảo hiểm của các xe này có thể nhỏ hơn 1 năm và bằng thời gian hiệu lực còn lại của hợp đồng bảo hiểm giao kết đầu tiên của năm đó
-
Bảo hiểm tạm ứng bồi thường thiệt hại trong vòng 3 ngày
Theo quy định tại Khoản 2 Điều 14 Nghị định 03/2021/NĐ-CP (NĐ 03) thì trong vòng 3 ngày làm việc kể từ ngày nhận được thông báo của bên mua bảo hiểm, người được bảo hiểm về vụ tai nạn, doanh nghiệp bảo hiểm phải tạm ứng bồi thường đối với thiệt hại về sức khỏe, tính mạng, cụ thể:
- Trường hợp đã xác định được vụ tai nạn thuộc phạm vi bồi thường thiệt hại:70% mức bồi thường bảo hiểm theo quy định/người/vụ đối với trường hợp tử vong; 50% mức bồi thường Bảo hiểm theo quy định/người/ vụ đối với trường hợp tổn thương bộ phận được điều trị cấp cứu.
- Đối với trường hợp chưa xác định được vụ tai nạn thuộc phạm vi bồi thường thiệt hại: 30% mức trách nhiệm bảo hiểm theo quy định/người/vụ đối với trường hợp tử vong; 10% mức trách nhiệm bảo hiểm theo quy định/người/ vụ đối với trường hợp tổn thương bộ phận được điều trị cấp cứu.
-
Thêm trường hợp loại trừ trách nhiệm bảo hiểm
Căn cứ quy định tại Điều 13 Nghị định 03/2021 thì doanh nghiệp bảo hiểm không bồi thường thiệt hại đối với các trường hợp sau:
- Hành động cố ý gây thiệt hại của chủ xe cơ giới, người lái xe hoặc người bị thiệt hại.
- Người lái xe gây tai nạn cố ý bỏ chạy không thực hiện trách nhiệm dân sự của chủ xe cơ giới. Trường hợp người lái xe gây tai nạn cố ý bỏ chạy nhưng đã thực hiện trách nhiệm dân sự của chủ xe cơ giới thì không thuộc trường hợp loại trừ trách nhiệm bảo hiểm.
- Người lái xe thuộc các trường hợp sau:
- Chưa đủ độ tuổi hoặc quá độ tuổi điều khiển xe cơ giới theo quy định pháp luật về giao thông đường bộ(quy định mới);
- Không có Giấy phép lái xe;
- Sử dụng Giấy phép lái xe không hợp lệ (có số phôi ghi ở mặt sau không trùng với số phôi được cấp mới nhất trong hệ thống thông tin quản lý Giấy phép lái xe)(quy định mới);
- Giấy phép lái xe không do cơ quan có thẩm quyền cấp, Giấy phép lái xe bị tẩy xóa hoặc sử dụng Giấy phép lái xe hết hạn sử dụng tại thời điểm xảy ra tai nạn (quy định mới);
- Sử dụng Giấy phép lái xe không phù hợp đối với xe cơ giới bắt buộc phải có Giấy phép lái xe;
Trường hợp người lái xe bị tước quyền sử dụng Giấy phép lái xe có thời hạn hoặc bị thu hồi Giấy phép lái xe thì được coi là không có Giấy phép lái xe.
-
Được cấp Giấy chứng nhận bảo hiểm điện tử
Theo quy định tại Khoản 4 Điều 6 NĐ 03, từ 1-3-2021, cá nhân mua bảo hiểm bắt buộc được cấp Giấy chứng nhận bảo hiểm điện tử.
- Người tham gia giao thông phải luôn mang theo Giấy chứng nhận bảo hiểm còn hiệu lực (bản cứng hoặc bản điện tử) khi tham gia giao thông, xuất trình giấy tờ này khi có yêu cầu của lực lượng Cảnh sát giao thông và cơ quan chức năng có thẩm quyền khác theo quy định của pháp luật.
Với nhiều điểm mới trong luật Bảo hiểm bắt buộc khiến bác tài có nhiều bỡ ngỡ. Các chủ xe nên tìm hiểu thật kĩ về Nghị định mới để không mắc phải những sai lầm.

Hãy cùng tham khảo thêm những tin tức về ô tô mới nhất tại:
Tin Tức – DỊCH VỤ ĐĂNG KIỂM – Page 2 (sauto.vn)
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