{"id":4880,"date":"2026-10-04T05:20:27","date_gmt":"2026-10-04T09:20:27","guid":{"rendered":"https:\/\/www.maaswinkellaw.com\/?p=4880"},"modified":"2026-10-04T05:20:29","modified_gmt":"2026-10-04T09:20:29","slug":"uninsured-motorist-coverage-florida","status":"publish","type":"post","link":"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/bao-hiem-cho-nguoi-lai-xe-khong-co-bao-hiem-tai-florida\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u1edf Florida: N\u00f3 \u0111\u01b0\u1ee3c tr\u1ea3 bao nhi\u00eau khi ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c kh\u00f4ng th\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em>Qua <\/em><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/doi-cua-chung-toi\/greg-maaswinkel\/\" data-type=\"page\" data-id=\"3514\"><strong>Gregory Maaswinkel, Esq.<\/strong><\/a><em> |C\u00f4ng ty lu\u1eadt Maaswinkel, P.A. \u2014 Orlando, Florida | C\u1eadp nh\u1eadt th\u00e1ng 10 n\u0103m 2026<\/em><\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color wp-block-paragraph\" style=\"font-size:14px\"><strong>Ph\u1ea7n 2 c\u1ee7a lo\u1ea1t b\u00e0i v\u1ec1 b\u1ea3o hi\u1ec3m xe h\u01a1i \u1edf Florida.<\/strong> Ph\u1ea7n 1 gi\u1ea3i th\u00edch <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/florida-da-loai-bo-pip-hay-chua\/\">PIP b\u1ea3o hi\u1ec3m bao g\u1ed3m nh\u1eefng g\u00ec v\u00e0 quy t\u1eafc 14 ng\u00e0y<\/a>. H\u00e3y \u0111\u1ecdc ph\u1ea7n \u0111\u00f3 tr\u01b0\u1edbc n\u1ebfu v\u1ee5 tai n\u1ea1n c\u1ee7a b\u1ea1n x\u1ea3y ra g\u1ea7n \u0111\u00e2y.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote has-background\" style=\"background-color:#fff4d6;padding-top:34;padding-right:34;padding-bottom:34;padding-left:34\"><blockquote><p>Florida kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi l\u00e1i xe ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m tai n\u1ea1n, v\u00e0 kho\u1ea3ng m\u1ed9t trong n\u0103m ng\u01b0\u1eddi l\u00e1i xe \u1edf Florida kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m n\u00e0o c\u1ea3. B\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 quy\u1ebft \u0111\u1ecbnh, v\u00e0 kh\u00f4ng gi\u1ed1ng nh\u01b0 b\u1ea3o hi\u1ec3m tai n\u1ea1n, n\u00f3 s\u1ebd chi tr\u1ea3 cho c\u00e1c kho\u1ea3n \u0111au \u0111\u1edbn v\u00e0 t\u1ed5n th\u1ea5t v\u1ec1 tinh th\u1ea7n.<\/p><\/blockquote><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n \u0111\u00e3 l\u00e0m m\u1ecdi th\u1ee9 \u0111\u00fang \u0111\u1eafn. B\u1ea1n \u0111\u00e3 d\u1eebng l\u1ea1i \u1edf \u0111\u00e8n \u0111\u1ecf. C\u00f3 ng\u01b0\u1eddi \u0111\u00e2m v\u00e0o ph\u00eda sau xe c\u1ee7a b\u1ea1n. V\u00e0 sau \u0111\u00f3 cu\u1ed9c g\u1ecdi \u0111\u1ebfn: ng\u01b0\u1eddi l\u00e1i xe kia kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m. Ho\u1eb7c h\u1ecd c\u00f3 b\u1ea3o hi\u1ec3m, nh\u01b0ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 $10.000 v\u00e0 h\u00f3a \u0111\u01a1n vi\u1ec7n ph\u00ed c\u1ee7a b\u1ea1n \u0111\u00e3 v\u01b0\u1ee3t qu\u00e1 con s\u1ed1 \u0111\u00f3 r\u1ed3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi ta n\u00f3i v\u1edbi ch\u00fang t\u00f4i r\u1eb1ng \u0111\u00f3 gi\u1ed1ng nh\u01b0 b\u1ecb tr\u1eebng ph\u1ea1t hai l\u1ea7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng h\u1ecdc \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y cho \u0111\u1ebfn khi h\u1ecd c\u1ea7n n\u00f3, nh\u01b0ng c\u00f3 th\u1ec3 \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m s\u1eb5n s\u00e0ng \u0111\u1ec3 s\u1eed d\u1ee5ng r\u1ed3i. <strong>c\u1ee7a ri\u00eang b\u1ea1n<\/strong> Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m n\u00e0y ch\u00ednh l\u00e0 v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 v\u1ec1 \u0111i\u1ec1u n\u00e0y. N\u00f3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, v\u00e0 \u1edf Florida \u0111\u00e2y th\u01b0\u1eddng l\u00e0 d\u00f2ng b\u1ea3o hi\u1ec3m quan tr\u1ecdng nh\u1ea5t trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u01b0\u1edbng d\u1eabn n\u00e0y gi\u1ea3i th\u00edch v\u1ec1 m\u1ee9c l\u01b0\u01a1ng, c\u00e1ch \u0111\u1ec3 bi\u1ebft m\u00ecnh c\u00f3 \u0111\u01b0\u1ee3c n\u00f3 hay kh\u00f4ng v\u00e0 th\u1eddi h\u1ea1n cu\u1ed1i c\u00f9ng c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n m\u1ea5t vi\u1ec7c.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao Florida l\u1ea1i c\u00f3 v\u1ea5n \u0111\u1ec1 n\u00e0y?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hai \u0111i\u1ec1u h\u00f2a nhau \u1edf \u0111\u00e2y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u1ee9 nh\u1ea5t, Florida kh\u00f4ng y\u00eau c\u1ea7u c\u00e1c t\u00e0i x\u1ebf ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m tai n\u1ea1n.<\/strong> \u0110\u1ec3 \u0111\u0103ng k\u00fd xe, b\u1ea1n c\u1ea7n c\u00f3 $10.000 trong b\u1ea3o hi\u1ec3m PIP v\u00e0 $10.000 trong b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n. B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m v\u1ec1 th\u01b0\u01a1ng t\u00edch c\u01a1 th\u1ec3 (ch\u00ednh l\u00e0 b\u1ea3o hi\u1ec3m chi tr\u1ea3 cho c\u00e1c thi\u1ec7t h\u1ea1i do t\u00e0i x\u1ebf g\u00e2y ra cho ng\u01b0\u1eddi kh\u00e1c) kh\u00f4ng b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c t\u00e0i x\u1ebf. Ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch l\u00fd do t\u1ea1i sao trong ph\u1ea7n ti\u1ebfp theo. <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/florida-da-loai-bo-pip-hay-chua\/\">Ph\u1ea7n 1<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u1ee9 hai, r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi l\u00e1i xe \u1edf Florida kh\u00f4ng mang theo b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec c\u1ea3.<\/strong> \u1ee6y ban Nghi\u00ean c\u1ee9u B\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0a ra t\u1ef7 l\u1ec7 ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u1edf Florida l\u00e0 <strong>20.6%<\/strong> D\u1ef1a tr\u00ean d\u1eef li\u1ec7u n\u0103m 2023. \u0110\u00f3 l\u00e0 kho\u1ea3ng m\u1ed9t trong n\u0103m ng\u01b0\u1eddi. <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noreferrer noopener\">T\u1ef7 l\u1ec7 cao th\u1ee9 b\u1ea3y trong c\u1ea3 n\u01b0\u1edbc<\/a>, So v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a c\u1ea3 n\u01b0\u1edbc l\u00e0 15,4%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu k\u1ebft h\u1ee3p c\u1ea3 hai y\u1ebfu t\u1ed1 n\u00e0y, b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c t\u00ecnh hu\u1ed1ng m\u00e0 ch\u00fang ta th\u1ea5y m\u1ed7i tu\u1ea7n: m\u1ed9t ng\u01b0\u1eddi l\u00e1i xe c\u00f3 \u0111\u0103ng k\u00fd h\u1ee3p ph\u00e1p g\u00e2y ra m\u1ed9t v\u1ee5 tai n\u1ea1n nghi\u00eam tr\u1ecdng, v\u00e0 kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 kho\u1ea3n ti\u1ec1n n\u00e0o \u0111\u1eb1ng sau v\u1ee5 vi\u1ec7c n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi m\u00e0 lu\u1eadt ph\u00e1p Florida \u0111\u01b0a ra. Nh\u01b0ng \u0111\u00f3 l\u00e0 <strong>c\u1ee7a b\u1ea1n<\/strong> T\u00f4i \u0111\u00e3 ph\u1ea3i t\u00ecm vi\u1ec7c \u0111\u1ec3 mua n\u00f3, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi ph\u00e1t hi\u1ec7n ra sau khi qu\u00e1 mu\u1ed9n l\u00e0 h\u1ecd \u0111\u00e3 kh\u00f4ng mua n\u00f3.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m (t\u1ea1m g\u1ecdi l\u00e0 UM) l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh b\u1ea1n mua ri\u00eang cho ch\u00ednh m\u00ecnh v\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <strong>B\u1ea1n<\/strong> \u0110\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p th\u01b0\u01a1ng t\u00edch do ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thanh to\u00e1n g\u00e2y ra. C\u00f4ng ty n\u00e0y s\u1ebd b\u1ed3i th\u01b0\u1eddng thay cho ng\u01b0\u1eddi l\u00e1i xe c\u00f3 l\u1ed7i. Thay v\u00ec thu ti\u1ec1n t\u1eeb h\u1ecd, b\u1ea1n s\u1ebd thu ti\u1ec1n t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/627.727\" target=\"_blank\" rel=\"noreferrer noopener\">Lu\u1eadt Florida \u00a7 627.727<\/a> Ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m nhi\u1ec1u t\u00ecnh hu\u1ed1ng h\u01a1n so v\u1edbi t\u00ean g\u1ecdi c\u1ee7a n\u00f3. M\u1ed9t chi\u1ebfc xe \u0111\u01b0\u1ee3c coi l\u00e0 \u201ckh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m\u201d khi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ng\u01b0\u1eddi l\u00e1i xe \u0111\u00e3 <strong>kh\u00f4ng<\/strong> B\u1ea3o hi\u1ec3m \u1edf m\u1ecdi n\u01a1i<\/li>\n\n\n\n<li>C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a t\u00e0i x\u1ebf \u0111\u00e3 \u0111i <strong>v\u1ee1 n\u1ee3<\/strong> v\u00e0 kh\u00f4ng th\u1ec3 tr\u1ea3 ti\u1ec1n<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi l\u00e1i xe <strong>c\u00e1c gi\u1edbi h\u1ea1n qu\u00e1 th\u1ea5p<\/strong> \u0111\u1ec3 b\u1ed3i th\u01b0\u1eddng cho c\u00e1c thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf c\u1ee7a b\u1ea1n. \u0110\u00e2y l\u00e0 ph\u1ea7n b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao ng\u01b0\u1eddi ta th\u01b0\u1eddng r\u00fat ng\u1eafn to\u00e0n b\u1ed9 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng n\u00e0y th\u00e0nh UM\/UIM.<\/li>\n\n\n\n<li>M\u1ed9t ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng thu\u1ed9c gia \u0111\u00ecnh \u0111\u00e3 g\u00e2y ra th\u01b0\u01a1ng t\u00edch v\u00e0 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd kh\u00f4ng bao g\u1ed3m tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd \u0111\u00f3.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c v\u1ee5 \u0111\u00e2m xe r\u1ed3i b\u1ecf ch\u1ea1y v\u00e0 c\u00e1c v\u1ee5 \u201cxe ma\u201d c\u0169ng th\u01b0\u1eddng thu\u1ed9c ph\u1ea1m vi c\u1ee7a UM, \u0111i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng v\u00ec trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3 kh\u00f4ng c\u00f3 ai c\u00f3 th\u1ec3 ki\u1ec7n \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u g\u00ec l\u00e0m cho UM kh\u00e1c v\u1edbi PIP?<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>PIP<\/th><th>Ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m (UM)<\/th><\/tr><\/thead><tbody><tr><td>C\u1ea7n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p \u1edf Florida?<\/td><td>V\u00e2ng<\/td><td>Kh\u00f4ng, b\u1ea1n ph\u1ea3i mua n\u00f3<\/td><\/tr><tr><td>C\u00f3 ai \u0111ang xem x\u00e9t ai \u0111\u00e3 g\u00e2y ra v\u1ee5 tai n\u1ea1n kh\u00f4ng?<\/td><td>Kh\u00f4ng<\/td><td>V\u00e2ng, ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c ph\u1ea3i c\u00f3 l\u1ed7i.<\/td><\/tr><tr><td>H\u00f3a \u0111\u01a1n y t\u1ebf<\/td><td>80%, t\u1ed1i \u0111a l\u00e0 $10.000<\/td><td>V\u00e2ng, bao g\u1ed3m c\u1ea3 c\u00e1c h\u00f3a \u0111\u01a1n v\u01b0\u1ee3t qu\u00e1 th\u1eddi h\u1ea1n c\u1ee7a PIP<\/td><\/tr><tr><td>Ti\u1ec1n l\u01b0\u01a1ng b\u1ecb m\u1ea5t<\/td><td>60% c\u1ee7a t\u1ed5ng s\u1ed1<\/td><td>V\u00e2ng, bao g\u1ed3m c\u1ea3 kho\u1ea3n thu nh\u1eadp b\u1ecb m\u1ea5t trong t\u01b0\u01a1ng lai<\/td><\/tr><tr><td><strong>\u0110au \u0111\u1edbn v\u00e0 \u0111au kh\u1ed5<\/strong><\/td><td><strong>Kh\u00f4ng<\/strong><\/td><td><strong>V\u00e2ng<\/strong><\/td><\/tr><tr><td>H\u01b0 h\u1ea1i c\u1ee7a chi\u1ebfc xe c\u1ee7a b\u1ea1n<\/td><td>Kh\u00f4ng<\/td><td>Kh\u00f4ng, \u0111\u00f3 l\u00e0 v\u1ee5 va ch\u1ea1m ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00e1c bi\u1ec7t ch\u00ednh n\u1eb1m \u1edf d\u00f2ng ch\u1eef in \u0111\u1eadm \u0111\u00f3. PIP s\u1ebd kh\u00f4ng bao gi\u1edd b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng g\u00ec th\u01b0\u01a1ng t\u00edch \u0111\u00f3 g\u00e2y ra cho cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n, trong khi UM c\u00f3 th\u1ec3.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">UM Coverage \u0111i k\u00e8m v\u1edbi b\u1ea1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m c\u1ee7a UM \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 m\u1ecdi ng\u01b0\u1eddi ch\u1ee9 kh\u00f4ng ch\u1ec9 m\u1ed9t chi\u1ebfc xe. T\u00f9y thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n, n\u00f3 th\u01b0\u1eddng b\u1ea3o v\u1ec7 c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea1n, \u0111ang l\u00e1i chi\u1ebfc xe \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh<\/li>\n\n\n\n<li>Nh\u1eefng th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh s\u1ed1ng trong nh\u00e0 b\u1ea1n<\/li>\n\n\n\n<li>Kh\u00e1ch \u0111i tr\u00ean xe c\u1ee7a b\u1ea1n<\/li>\n\n\n\n<li>B\u1ea1n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 m\u1ed9t <strong>ng\u01b0\u1eddi \u0111i b\u1ed9<\/strong> ho\u1eb7c ng\u01b0\u1eddi \u0111i xe \u0111\u1ea1p b\u1ecb xe c\u1ed9 t\u00f4ng<\/li>\n\n\n\n<li>B\u1ea1n \u0111i xe nh\u01b0 m\u1ed9t h\u00e0nh kh\u00e1ch <strong>c\u1ee7a ng\u01b0\u1eddi kh\u00e1c<\/strong> xe h\u01a1i<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1eb7p s\u1ed1 cu\u1ed1i c\u00f9ng n\u00e0y khi\u1ebfn m\u1ecdi ng\u01b0\u1eddi ng\u1ea1c nhi\u00ean. Gi\u1ea3 s\u1eed b\u1ea1n \u0111ang \u0111i b\u1ed9 tr\u00ean b\u00e3i \u0111\u1ed7 xe ho\u1eb7c \u0111ang \u0111\u1ea1p xe th\u00ec m\u1ed9t chi\u1ebfc xe \u0111\u00e2m v\u00e0o b\u1ea1n. Th\u1ef1c t\u1ebf l\u00e0 b\u1ea1n kh\u00f4ng h\u1ec1 ng\u1ed3i tr\u00ean chi\u1ebfc xe \u0111\u00f3. B\u1ea3o hi\u1ec3m UM c\u1ee7a ch\u00ednh b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 l\u00e0 th\u1ee9 s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3. <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/linh-vuc-thuc-hanh\/luat-su-xe-dap-danh-cho-nguoi-di-bo\/\">Trang d\u00e0nh cho ng\u01b0\u1eddi \u0111i b\u1ed9 v\u00e0 ng\u01b0\u1eddi \u0111i xe \u0111\u1ea1p<\/a> v\u00e0o s\u00e2u h\u01a1n v\u00e0o nh\u1eefng tuy\u00ean b\u1ed1 \u0111\u00f3.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch \u0111\u1ec3 bi\u1ebft m\u00ecnh c\u00f3 m\u1eafc b\u1ec7nh n\u00e0y kh\u00f4ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111o\u00e1n v\u00e0 b\u1ea1n c\u0169ng kh\u00f4ng c\u1ea7n ph\u1ea3i g\u1ecdi cho \u0111\u1ea1i l\u00fd c\u1ee7a m\u00ecnh \u0111\u1ec3 b\u1eaft \u0111\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u00e3y xem trang th\u00f4ng tin k\u00ea khai c\u1ee7a b\u1ea1n.<\/strong> \u0110\u00f3 l\u00e0 b\u1ea3n t\u00f3m t\u1eaft m\u1ed9t ho\u1eb7c hai trang \u0111i k\u00e8m v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i cu\u1ed1n s\u00e1ch d\u00e0y. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u0103ng t\u1ea3i n\u00f3 tr\u00ean t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u00e3y t\u00ecm m\u1ed9t d\u00f2ng ch\u1eef c\u00f3 n\u1ed9i dung<\/strong> \u201cNg\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m,\u201d \u201cUM,\u201d \u201cUM\/UIM,\u201d ho\u1eb7c \u201cThi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi do ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m ho\u1eb7c c\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ngay b\u00ean c\u1ea1nh \u0111\u00f3, b\u1ea1n s\u1ebd th\u1ea5y m\u1ed9t trong ba \u0111i\u1ec1u sau: m\u1ed9t c\u1eb7p s\u1ed1 nh\u01b0 25\/50, c\u00f3 ngh\u0129a l\u00e0 $25.000 cho m\u1ed7i ng\u01b0\u1eddi v\u00e0 $50.000 cho m\u1ed7i v\u1ee5 tai n\u1ea1n; ho\u1eb7c ch\u1eef <strong>B\u1ecb t\u1eeb ch\u1ed1i<\/strong>; ho\u1eb7c d\u1ea5u ph\u1ea9y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>N\u1ebfu b\u1ea1n th\u1ea5y c\u00f3 s\u1ed1, b\u1ea1n \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m.<\/strong> H\u00e3y vi\u1ebft ch\u00fang xu\u1ed1ng. <strong>N\u1ebfu b\u1ea1n th\u1ea5y th\u00f4ng b\u00e1o \u201c\u0110\u00e3 b\u1ecb t\u1eeb ch\u1ed1i\u201d, v\u1eabn c\u00f2n l\u00fd do \u0111\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u1ecdc.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hai \u0111i\u1ec1u kh\u00e1c c\u1ea7n l\u01b0u \u00fd khi b\u1ea1n \u0111ang m\u1edf trang n\u00e0y l\u00e0 h\u00e3y ki\u1ec3m tra xem c\u00f3 ghi r\u00f5 kh\u00f4ng. <strong>\u0111\u01b0\u1ee3c x\u1ebfp ch\u1ed3ng l\u00ean nhau<\/strong> ho\u1eb7c <strong>kh\u00f4ng x\u1ebfp ch\u1ed3ng l\u00ean nhau<\/strong>, H\u00e3y ki\u1ec3m tra xem gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m UM c\u1ee7a b\u1ea1n c\u00f3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u00edch c\u01a1 th\u1ec3 c\u1ee7a b\u1ea1n hay kh\u00f4ng. C\u1ea3 hai v\u1ea5n \u0111\u1ec1 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u201cB\u1ecb t\u1eeb ch\u1ed1i\u201d Kh\u00f4ng Ph\u1ea3i Lu\u00f4n L\u00e0 K\u1ebft th\u00fac Cu\u1ed9c tr\u00f2 chuy\u1ec7n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Florida kh\u00f4ng cho ph\u00e9p m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01a1n gi\u1ea3n ch\u1ec9 lo\u1ea1i b\u1ecf UM kh\u1ecfi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1ee5c 627.727 quy \u0111\u1ecbnh UM ph\u1ea3i \u0111\u01b0\u1ee3c bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. <strong>tr\u1eeb khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u1eeb ch\u1ed1i b\u1eb1ng v\u0103n b\u1ea3n.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lu\u1eadt quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 h\u00ecnh th\u1ee9c c\u1ee7a vi\u1ec7c t\u1eeb ch\u1ed1i \u0111\u00f3. M\u1eabu \u0111\u01a1n c\u1ea7n c\u00f3 ti\u00eau \u0111\u1ec1. <strong>Ch\u1eef in \u0111\u1eadm c\u1ee1 12<\/strong>. \u0110i\u1ec1u n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c b\u1eaft \u0111\u1ea7u b\u1eb1ng m\u1ed9t l\u1eddi c\u1ea3nh b\u00e1o: <em>\u201cB\u1ea1n \u0111ang l\u1ef1a ch\u1ecdn kh\u00f4ng mua nh\u1eefng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m c\u00f3 gi\u00e1 tr\u1ecb nh\u1ea5t \u0111\u1ecbnh nh\u1eb1m b\u1ea3o v\u1ec7 b\u1ea1n v\u00e0 gia \u0111\u00ecnh c\u1ee7a b\u1ea1n\u2026\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng m\u1eabu \u0111\u01a1n \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c ch\u1eef k\u00fd c\u1ee7a ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n, theo lu\u1eadt ph\u00e1p \u0111\u00f3 \u0111\u01b0\u1ee3c coi l\u00e0 vi\u1ec7c t\u1eeb ch\u1ed1i c\u00f3 hi\u1ec3u bi\u1ebft v\u00e0 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin. Lu\u1eadt quy \u0111\u1ecbnh r\u1eb1ng c\u0103n c\u1ee9 n\u00e0y l\u00e0 thuy\u1ebft ph\u1ee5c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quy t\u1eafc t\u01b0\u01a1ng t\u1ef1 c\u0169ng \u00e1p d\u1ee5ng cho vi\u1ec7c ch\u1ecdn l\u1ef1a. <strong>th\u1ea5p h\u01a1n<\/strong> Gi\u1edbi h\u1ea1n UM. Theo m\u1eb7c \u0111\u1ecbnh, gi\u1edbi h\u1ea1n UM c\u1ee7a b\u1ea1n n\u00ean \u00edt nh\u1ea5t t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 th\u01b0\u01a1ng t\u00edch c\u01a1 th\u1ec3 m\u00e0 b\u1ea1n \u0111\u00e3 mua. Vi\u1ec7c ch\u1ecdn m\u1ee9c gi\u1edbi h\u1ea1n th\u1ea5p h\u01a1n y\u00eau c\u1ea7u m\u1ed9t h\u00ecnh th\u1ee9c l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c ghi nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n t\u01b0\u01a1ng t\u1ef1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c n\u00e0y r\u1ea5t quan tr\u1ecdng v\u00ec vi\u1ec7c li\u1ec7u c\u00f3 x\u1ea3y ra vi\u1ec7c t\u1eeb ch\u1ed1i h\u1ee3p l\u1ec7 hay kh\u00f4ng l\u00e0 m\u1ed9t <strong>V\u1ea5n \u0111\u1ec1 v\u1ec1 gi\u1ea5y t\u1edd.<\/strong> V\u00ec v\u1eady, \u0111\u00e1ng \u0111\u1ec3 c\u00f3 ng\u01b0\u1eddi xem x\u00e9t file th\u1ef1c s\u1ef1 thay v\u00ec ch\u1ea5p nh\u1eadn l\u1eddi n\u00f3i \u201cb\u1ea1n \u0111\u00e3 t\u1eeb ch\u1ed1i n\u00f3\u201d theo \u0111\u00fang ngh\u0129a \u0111en.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i kh\u00f4ng h\u1ee9a h\u1eb9n k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3 n\u00e0o. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t. Nh\u01b0ng vi\u1ec7c h\u1ecfi v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y kh\u00f4ng h\u1ec1 t\u1ed1n k\u00e9m v\u00e0 n\u00f3 \u0111\u00e3 mang l\u1ea1i hi\u1ec7u qu\u1ea3 trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p th\u1ef1c t\u1ebf.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 ho\u1eb7c kh\u00f4ng c\u00f3 x\u1ebfp ch\u1ed3ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n b\u1ea3o hi\u1ec3m nhi\u1ec1u h\u01a1n m\u1ed9t chi\u1ebfc xe, l\u1ef1a ch\u1ecdn n\u00e0y s\u1ebd thay \u0111\u1ed5i s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>S\u1ef1 l\u1ef1a ch\u1ecdn<\/th><th>Ba chi\u1ebfc xe v\u1edbi gi\u00e1 m\u1ed7i chi\u1ebfc $50.000 c\u00f3 ngh\u0129a l\u00e0...<\/th><\/tr><\/thead><tbody><tr><td><strong>Nhi\u1ec1u l\u1edbp<\/strong><\/td><td>C\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c c\u1ed9ng l\u1ea1i: <strong>$150,000<\/strong> ph\u00e2n ph\u1ed1i cho m\u1ed9t v\u1ee5 tai n\u1ea1n<\/td><\/tr><tr><td><strong>Kh\u00f4ng x\u1ebfp ch\u1ed3ng l\u00ean nhau<\/strong><\/td><td>M\u1ed9t lo\u1ea1t c\u00e1c gi\u1edbi h\u1ea1n kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ed1 l\u01b0\u1ee3ng xe: <strong>$50,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c x\u1ebfp ch\u1ed3ng l\u00ean nhau c\u00f3 chi ph\u00ed th\u1ea5p h\u01a1n, v\u00ec v\u1eady nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn ch\u1ecdn kh\u00f4ng nh\u1edb r\u1eb1ng m\u00ecnh \u0111\u00e3 ch\u1ecdn h\u00ecnh th\u1ee9c n\u00e0y. Lu\u1eadt ph\u00e1p Florida cho ph\u00e9p ng\u01b0\u1eddi mua l\u1ef1a ch\u1ecdn n\u00e0y. Trong v\u0103n b\u1ea3n ch\u00ednh s\u00e1ch, \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng: b\u1ea3o hi\u1ec3m cho hai ho\u1eb7c nhi\u1ec1u chi\u1ebfc xe \u201ckh\u00f4ng \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u \u0111\u00fang \u0111\u1eafn cho b\u1ea1n l\u00e0 c\u00e2u h\u1ecfi c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, kh\u00f4ng ph\u1ea3i c\u1ee7a ch\u00fang t\u00f4i. Ch\u00fang t\u00f4i ch\u1ec9 \u0111\u01b0a ra c\u00e2u h\u1ecfi n\u00e0y v\u00ec sau m\u1ed9t v\u1ee5 tai n\u1ea1n nghi\u00eam tr\u1ecdng, con s\u1ed1 duy nh\u1ea5t th\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh li\u1ec7u kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u00f3 \u0111\u1ee7 \u0111\u1ec3 b\u1ed3i ho\u00e0n nh\u1eefng thi\u1ec7t h\u1ea1i m\u00e0 b\u1ea1n \u0111\u00e3 ph\u1ea3i h\u1ee9ng ch\u1ecbu hay kh\u00f4ng.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Lu\u1eadt 30 ng\u00e0y c\u00f3 th\u1ec3 x\u00f3a s\u1ed5 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng UM c\u1ee7a b\u1ea1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1ea3 s\u1eed ng\u01b0\u1eddi l\u00e1i xe g\u00e2y ra v\u1ee5 tai n\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u1ecf, v\u00ed d\u1ee5 $10.000, v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u01b0a cho b\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a. \u0110\u00f3 l\u00e0 s\u1ed1 ti\u1ec1n th\u1ef1c s\u1ef1, b\u1ea1n \u0111ang n\u1ee3 n\u1ea7n ch\u1ed3ng ch\u1ea5t, v\u00e0 vi\u1ec7c k\u00fd h\u1ee3p \u0111\u1ed3ng d\u01b0\u1eddng nh\u01b0 l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng n\u1ebfu th\u1ecfa thu\u1eadn \u0111\u00f3 kh\u00f4ng bao g\u1ed3m to\u00e0n b\u1ed9 t\u1ed5n th\u1ea5t c\u1ee7a b\u1ea1n, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng cho tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. V\u00e0 Lu\u1eadt Florida \u00a7 627.727(6) \u0111\u00e3 quy \u0111\u1ecbnh quy \u0111\u1ecbnh v\u1ec1 tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Tr\u01b0\u1edbc khi b\u1ea1n quy\u1ebft \u0111\u1ecbnh<\/strong>, Th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 th\u1ecfa thu\u1eadn \u0111\u1ec1 xu\u1ea5t ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi \u0111i tr\u01b0\u1edbc <strong>b\u01b0u ph\u1ea9m \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn ho\u1eb7c \u0111\u0103ng k\u00fd<\/strong> \u0111\u1ed1i v\u1edbi m\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m cho nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng \u0111\u1ee7 b\u1ea3o hi\u1ec3m v\u1ec1 r\u1ee7i ro. Sau \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m UM c\u1ee7a b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c <strong>30 ng\u00e0y<\/strong>. N\u00f3 c\u00f3 th\u1ec3 ch\u1ea5p nh\u1eadn th\u1ecfa thu\u1eadn, ho\u1eb7c c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i, b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh v\u00e0 t\u1ef1 tr\u1ea3 kho\u1ea3n ti\u1ec1n \u0111\u00f3 cho b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>B\u1ecf qua th\u00f4ng b\u00e1o v\u00e0 gi\u1ea3i quy\u1ebft m\u1ecdi chuy\u1ec7n, v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ho\u00e0n to\u00e0n m\u1ea5t \u0111i quy\u1ec1n l\u1ee3i UM, ch\u1ee9 kh\u00f4ng ch\u1ec9 gi\u1ea3m b\u1edbt n\u00f3.<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i kh\u00f4ng mu\u1ed1n b\u1ea1n ph\u1ea3i h\u1ecdc nh\u1eefng \u0111i\u1ec1u n\u00e0y sau khi \u0111\u00e3 x\u1ea3y ra. <strong>Tr\u01b0\u1edbc khi b\u1ea1n k\u00fd b\u1ea5t k\u1ef3 \u0111i\u1ec1u g\u00ec t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c, h\u00e3y \u0111\u1ec3 ai \u0111\u00f3 ki\u1ec3m tra n\u00f3.<\/strong> Chi ph\u00ed cu\u1ed9c g\u1ecdi \u0111\u00f3 l\u00e0 mi\u1ec5n ph\u00ed v\u00e0 r\u1ebb h\u01a1n nhi\u1ec1u so v\u1edbi ph\u01b0\u01a1ng \u00e1n thay th\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong khi ch\u00fang ta \u0111ang n\u00f3i v\u1ec1 th\u1eddi gian: Florida hi\u1ec7n nay cho ph\u00e9p b\u1ea1n <strong>hai n\u0103m<\/strong> T\u1eeb v\u1ee5 tai n\u1ea1n \u0111\u1ebfn vi\u1ec7c \u0111\u1ec7 tr\u00ecnh h\u1ea7u h\u1ebft c\u00e1c v\u1ee5 ki\u1ec7n v\u1ec1 th\u01b0\u01a1ng t\u00edch. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 quy \u0111\u1ecbnh th\u1eddi h\u1ea1n ri\u00eang \u0111\u1ec3 b\u00e1o c\u00e1o y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng UM. C\u1ea3 hai th\u1eddi h\u1ea1n n\u00e0y \u0111\u1ec1u ng\u1eafn h\u01a1n so v\u1edbi nh\u1eefng g\u00ec ng\u01b0\u1eddi ta mong \u0111\u1ee3i. H\u01b0\u1edbng d\u1eabn c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/mat-bao-lau-de-giai-quyet-yeu-cau-boi-thuong-thuong-tich-ca-nhan-va-thanh-toan-hoa-don-y-te\/\">Th\u1eddi gian gi\u1ea3i quy\u1ebft c\u00e1c khi\u1ebfu n\u1ea1i k\u00e9o d\u00e0i bao l\u00e2u<\/a> \u0111i qua ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a d\u00f2ng th\u1eddi gian.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">M\u1ed9t \u0111i\u1ec1u khi\u1ebfn ng\u01b0\u1eddi ta c\u1ea3m th\u1ea5y k\u1ef3 l\u1ea1 v\u1ec1 c\u00e1c tuy\u00ean b\u1ed1 c\u1ee7a UM<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t tuy\u00ean b\u1ed1 c\u1ee7a UM \u0111i ng\u01b0\u1ee3c l\u1ea1i <strong>c\u1ee7a ri\u00eang b\u1ea1n<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi ta th\u1ea5y \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng tho\u1ea3i m\u00e1i, v\u00e0 ch\u00fang t\u00f4i hi\u1ec3u l\u00fd do t\u1ea1i sao. B\u1ea1n \u0111\u00e3 tr\u1ea3 c\u00e1c kho\u1ea3n b\u1ea3o hi\u1ec3m n\u00e0y trong nhi\u1ec1u n\u0103m. Vi\u1ec7c ph\u1ea3i khi\u1ebfu n\u1ea1i c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n c\u1ea3m th\u1ea5y nh\u01b0 b\u1ecb ph\u1ea3n b\u1ed9i, ho\u1eb7c nh\u01b0 th\u1ec3 b\u1ea1n \u0111ang l\u00e0m \u0111i\u1ec1u g\u00ec \u0111\u00f3 c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n \u0111\u00e3 mua UM ch\u00ednh x\u00e1c v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0y. Vi\u1ec7c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng l\u00e0 vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m m\u00e0 m\u00ecnh \u0111\u00e3 tr\u1ea3 ti\u1ec1n, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m y t\u1ebf t\u1ea1i b\u1ec7nh vi\u1ec7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f9ng l\u00fac \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n s\u1ebd xem x\u00e9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u1ea1n theo c\u00e1ch m\u00e0 b\u1ea5t k\u1ef3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng l\u00e0m. H\u1ecd s\u1ebd quy\u1ebft \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i c\u1ee7a b\u1ea1n l\u00e0 bao nhi\u00eau. H\u1ecd c\u0169ng s\u1ebd quy\u1ebft \u0111\u1ecbnh xem ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c c\u00f3 th\u1ef1c s\u1ef1 c\u00f3 l\u1ed7i hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quan h\u1ec7 chuy\u1ec3n t\u1eeb \u201cc\u00f4ng ty c\u1ee7a t\u00f4i\u201d sang \u201cc\u00f4ng ty \u1edf ph\u00eda b\u00ean kia c\u1ee7a s\u1ed1 \u0111i\u1ec7n tho\u1ea1i n\u00e0y\u201d, v\u00e0 \u0111i\u1ec1u \u0111\u00f3 gi\u00fap t\u00f4i bi\u1ebft \u0111\u01b0\u1ee3c m\u00ecnh \u0111ang \u0111i \u0111\u00fang h\u01b0\u1edbng.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ti\u1ebfp theo n\u00ean l\u00e0m g\u00ec<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Truy c\u1eadp trang th\u00f4ng tin k\u00ea khai c\u1ee7a b\u1ea1n<\/strong> v\u00e0 t\u00ecm th\u1ea5y d\u00f2ng UM. S\u1ed1 li\u1ec7u l\u00e0 \u201cT\u1eeb ch\u1ed1i\u201d ho\u1eb7c tr\u1ed1ng.<\/li>\n\n\n\n<li><strong>B\u00e1o c\u00e1o v\u1ee5 tai n\u1ea1n cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ch\u00ednh b\u1ea1n<\/strong> v\u00e0 m\u1edf c\u1ea3 \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng PIP v\u00e0 UM c\u1ee7a b\u1ea1n.<\/li>\n\n\n\n<li><strong>H\u00e3y gi\u1eef l\u1ea1i m\u1ecdi h\u00f3a \u0111\u01a1n, ghi ch\u00fa c\u00f4ng vi\u1ec7c v\u00e0 h\u00ecnh \u1ea3nh.<\/strong> UM cho r\u1eb1ng vi\u1ec7c x\u00e1c nh\u1eadn thi\u1ec7t h\u1ea1i l\u00e0 c\u1ea7n thi\u1ebft.<\/li>\n\n\n\n<li><strong>\u0110\u1eebng k\u00fd b\u1ea5t k\u1ef3 gi\u1ea5y th\u00f4ng b\u00e1o mi\u1ec5n tr\u1eeb n\u00e0o ho\u1eb7c ch\u1ea5p nh\u1eadn b\u1ea5t k\u1ef3 \u0111\u1ec1 ngh\u1ecb gi\u1edbi h\u1ea1n n\u00e0o<\/strong> tr\u01b0\u1edbc khi c\u00e2u h\u1ecfi v\u1ec1 th\u00f4ng b\u00e1o 30 ng\u00e0y \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft, t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c.<\/li>\n\n\n\n<li><strong>Ki\u1ec3m tra b\u1ea3o hi\u1ec3m c\u1ee7a ri\u00eang b\u1ea1n<\/strong> cho t\u01b0\u01a1ng lai, c\u00f9ng v\u1edbi \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, trong khi \u0111i\u1ec1u n\u00e0y v\u1eabn c\u00f2n m\u1edbi trong t\u00e2m tr\u00ed b\u1ea1n.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng c\u00e2u h\u1ecfi m\u00e0 m\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng h\u1ecfi ch\u00fang t\u00f4i<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-um-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Ph\u00e1p lu\u1eadt Florida c\u00f3 b\u1eaft bu\u1ed9c b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Kh\u00f4ng. Florida kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m UM. Lu\u1eadt ph\u00e1p y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n ph\u1ea3i cung c\u1ea5p b\u1ea3o hi\u1ec3m n\u00e0y v\u00e0 bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n tr\u1eeb khi b\u1ea1n t\u1eeb ch\u1ed1i b\u1eb1ng v\u0103n b\u1ea3n tr\u00ean m\u1eabu \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t. Ch\u1ec9 c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u00edch c\u00e1 nh\u00e2n v\u00e0 thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n m\u1edbi l\u00e0 b\u1eaft bu\u1ed9c.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">T\u00f4i c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng n\u1ebfu b\u1ecb m\u1ed9t ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u00e2m v\u00e0o?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>B\u1ea3o hi\u1ec3m PIP c\u1ee7a b\u1ea1n s\u1ebd chi tr\u1ea3 cho c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf ban \u0111\u1ea7u c\u1ee7a b\u1ea1n b\u1ea5t k\u1ec3 ai l\u00e0 ng\u01b0\u1eddi g\u00e2y ra tai n\u1ea1n, trong ph\u1ea1m vi gi\u1edbi h\u1ea1n c\u1ee7a n\u00f3. Ngo\u00e0i ra, n\u00f3 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c b\u1ea1n c\u00f3 tham gia b\u1ea3o hi\u1ec3m UM hay kh\u00f4ng. N\u1ebfu b\u1ea1n tham gia b\u1ea3o hi\u1ec3m UM, n\u00f3 c\u00f3 th\u1ec3 chi tr\u1ea3 cho c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf v\u01b0\u1ee3t qu\u00e1 m\u1ee9c b\u1ea3o hi\u1ec3m PIP, ti\u1ec1n l\u01b0\u01a1ng b\u1ecb m\u1ea5t, v\u00e0 c\u00e1c kho\u1ea3n \u0111au \u0111\u1edbn v\u00e0 t\u1ed5n th\u1ea5t v\u1ec1 tinh th\u1ea7n. N\u1ebfu b\u1ea1n kh\u00f4ng tham gia b\u1ea3o hi\u1ec3m UM, c\u00e1c l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n s\u1ebd h\u1ea1n ch\u1ebf h\u01a1n nhi\u1ec1u. \u0110\u00f4i khi c\u00f3 th\u1ec3 ki\u1ec7n tr\u1ef1c ti\u1ebfp ng\u01b0\u1eddi l\u00e1i xe g\u00e2y ra tai n\u1ea1n, v\u00e0 \u0111\u00f4i khi m\u1ed9t b\u00ean kh\u00e1c c\u0169ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m. D\u00f9 b\u1eb1ng c\u00e1ch n\u00e0o, vi\u1ec7c c\u00f3 ng\u01b0\u1eddi ki\u1ec3m tra vi\u1ec7c n\u00e0y s\u1ebd \u0111\u00e1ng gi\u00e1 h\u01a1n l\u00e0 vi\u1ec7c b\u1ea1n t\u1ef1 m\u00ecnh ph\u00e1n \u0111o\u00e1n.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Nh\u1eefng g\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>UM ch\u1ec9 b\u1ea3o hi\u1ec3m cho th\u01b0\u01a1ng t\u00edch v\u1ec1 ng\u01b0\u1eddi, kh\u00f4ng ph\u1ea3i t\u00e0i s\u1ea3n. N\u00f3 kh\u00f4ng s\u1eeda ch\u1eefa xe c\u1ee7a b\u1ea1n, \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n ho\u1eb7c tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi l\u00e1i g\u00e2y ra v\u1ee5 va ch\u1ea1m. Ngo\u00e0i ra, n\u00f3 th\u01b0\u1eddng kh\u00f4ng \u00e1p d\u1ee5ng n\u1ebfu ng\u01b0\u1eddi l\u00e1i g\u00e2y ra v\u1ee5 va ch\u1ea1m c\u00f3 \u0111\u1ee7 b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u1ed3i ho\u00e0n thi\u1ec7t h\u1ea1i c\u1ee7a b\u1ea1n, v\u00e0 n\u00f3 c\u0169ng kh\u00f4ng chi tr\u1ea3 cho c\u00e1c h\u00e0nh vi c\u1ed1 \u00fd c\u1ee7a b\u1ea1n. M\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb ri\u00eang, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao ng\u00f4n t\u1eeb trong h\u1ee3p \u0111\u1ed3ng l\u1ea1i r\u1ea5t quan tr\u1ecdng trong m\u1ecdi khi\u1ebfu n\u1ea1i.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-4\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Li\u1ec7u t\u00f4i c\u00f3 n\u00ean t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u1edf Florida kh\u00f4ng?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Ch\u00fang t\u00f4i kh\u00f4ng th\u1ec3 cho b\u1ea1n bi\u1ebft n\u00ean mua g\u00ec. \u0110\u00f3 l\u00e0 m\u1ed9t cu\u1ed9c tr\u00f2 chuy\u1ec7n d\u00e0nh cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea5y ph\u00e9p, v\u00e0 c\u00e2u tr\u1ea3 l\u1eddi ch\u00ednh x\u00e1c ph\u1ee5 thu\u1ed9c v\u00e0o gia \u0111\u00ecnh, t\u00e0i s\u1ea3n v\u00e0 ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n. \u0110i\u1ec1u ch\u00fang t\u00f4i c\u00f3 th\u1ec3 n\u00f3i cho b\u1ea1n l\u00e0 vi\u1ec7c t\u1eeb ch\u1ed1i c\u00f3 ngh\u0129a l\u00e0 g\u00ec theo lu\u1eadt ph\u00e1p. B\u1ea1n k\u00fd m\u1ed9t m\u1eabu \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc ph\u00ea duy\u1ec7t, v\u00e0 lu\u1eadt ph\u00e1p coi \u0111\u00f3 l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00f3 hi\u1ec3u bi\u1ebft v\u00e0 th\u00f4ng b\u00e1o. N\u1ebfu m\u1ed9t ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u00e2m v\u00e0o b\u1ea1n sau n\u00e0y, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m UM \u0111\u1ec3 tham kh\u1ea3o.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-5\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">T\u1ea1i sao \u1edf Florida l\u1ea1i c\u00f3 qu\u00e1 nhi\u1ec1u ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>C\u00f3 nhi\u1ec1u nguy\u00ean nh\u00e2n song song. Florida kh\u00f4ng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m v\u1ec1 th\u01b0\u01a1ng t\u00edch c\u01a1 th\u1ec3, v\u00ec v\u1eady m\u1ee9c t\u1ed1i thi\u1ec3u theo lu\u1eadt l\u00e0 th\u1ea5p. Chi ph\u00ed b\u1ea3o hi\u1ec3m cao so v\u1edbi thu nh\u1eadp. Bang n\u00e0y c\u00f3 d\u00e2n s\u1ed1 nhi\u1ec1u ng\u01b0\u1eddi \u0111i l\u1ea1i theo m\u00f9a v\u00e0 t\u1ea1m tr\u00fa. K\u1ebft qu\u1ea3, theo d\u1eef li\u1ec7u c\u1ee7a H\u1ed9i \u0111\u1ed3ng Nghi\u00ean c\u1ee9u B\u1ea3o hi\u1ec3m n\u0103m 2023, t\u1ef7 l\u1ec7 ng\u01b0\u1eddi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 20,6%. \u0110\u00f3 l\u00e0 kho\u1ea3ng m\u1ed9t trong n\u0103m l\u00e1i xe, v\u00e0 l\u00e0 t\u1ef7 l\u1ec7 cao th\u1ee9 b\u1ea3y trong c\u1ea3 n\u01b0\u1edbc.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-6\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Lu\u1eadt b\u1ea3o hi\u1ec3m m\u1edbi c\u1ee7a Florida l\u00e0 g\u00ec?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c v\u1ee5 tai n\u1ea1n v\u00e0o n\u0103m 2026, nh\u1eefng thay \u0111\u1ed5i g\u1ea7n \u0111\u00e2y nh\u1ea5t kh\u00f4ng li\u00ean quan \u0111\u1ebfn PIP, v\u1ed1n v\u1eabn \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng sau khi D\u1ef1 lu\u1eadt Th\u01b0\u1ee3ng vi\u1ec7n 522 b\u1ecb \u0111\u00ecnh tr\u1ec7 trong \u1ee6y ban v\u00e0o th\u00e1ng 3 n\u0103m 2026. Nh\u1eefng thay \u0111\u1ed5i v\u00e0o n\u0103m 2023 c\u00f3 \u00fd ngh\u0129a nhi\u1ec1u h\u01a1n. N\u1ebfu b\u1ea1n c\u00f3 h\u01a1n 50% tr\u00e1ch nhi\u1ec7m g\u00e2y ra tai n\u1ea1n, b\u1ea1n kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng cho c\u00e1c th\u01b0\u01a1ng t\u00edch c\u1ee7a m\u00ecnh. V\u00e0 th\u1eddi h\u1ea1n \u0111\u1ec3 \u0111\u1ec7 \u0111\u01a1n h\u1ea7u h\u1ebft c\u00e1c v\u1ee5 ki\u1ec7n v\u1ec1 th\u01b0\u01a1ng t\u00edch \u0111\u00e3 gi\u1ea3m t\u1eeb b\u1ed1n n\u0103m xu\u1ed1ng c\u00f2n hai n\u0103m.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-um-7\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">T\u00f4i c\u00f3 ph\u1ea3i th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh tr\u01b0\u1edbc khi th\u1ecfa thu\u1eadn v\u1edbi ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c kh\u00f4ng?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>N\u1ebfu kho\u1ea3n b\u1ed3i ho\u00e0n kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 b\u1ed3i ho\u00e0n to\u00e0n c\u00e1c t\u1ed5n th\u1ea5t c\u1ee7a b\u1ea1n v\u00e0 b\u1ea1n c\u00f3 y\u00eau c\u1ea7u b\u1ed3i ho\u00e0n cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, th\u00ec c\u00f3. Lu\u1eadt s\u1ed1 627.727(6) c\u1ee7a Ti\u1ec3u bang Florida y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 kho\u1ea3n b\u1ed3i ho\u00e0n \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t qua b\u01b0u \u0111i\u1ec7n c\u00f3 ch\u1ee9ng nh\u1eadn ho\u1eb7c \u0111\u0103ng k\u00fd cho m\u1ecdi b\u00ean b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, v\u00e0 cho ph\u00e9p b\u00ean \u0111\u00f3 c\u00f3 th\u1eddi h\u1ea1n 30 ng\u00e0y \u0111\u1ec3 tr\u1ea3 l\u1eddi. Vi\u1ec7c gi\u1ea3i quy\u1ebft v\u1ee5 vi\u1ec7c m\u00e0 kh\u00f4ng c\u00f3 th\u00f4ng b\u00e1o \u0111\u00f3 c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n m\u1ea5t to\u00e0n b\u1ed9 quy\u1ec1n l\u1ee3i b\u1ed3i ho\u00e0n UM c\u1ee7a m\u00ecnh, v\u00ec v\u1eady h\u00e3y tham kh\u1ea3o \u00fd ki\u1ebfn c\u1ee7a lu\u1eadt s\u01b0 tr\u01b0\u1edbc khi k\u00fd k\u1ebft.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n n\u00f3i g\u00ec? H\u00e3y g\u1eedi cho ch\u00fang t\u00f4i.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang n\u1eafm gi\u1eef m\u1ed9t trang khai b\u00e1o m\u00e0 kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c n\u1ed9i dung, \u0111\u00f3 l\u00e0 n\u01a1i b\u1ea1n n\u00ean \u1edf. Nh\u1eefng t\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c vi\u1ebft cho nh\u1eefng ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u0103n ph\u00f2ng c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i Orlando \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c b\u1ed3i th\u01b0\u1eddng th\u01b0\u01a1ng t\u00edch v\u00e0 b\u1ea3o hi\u1ec3m t\u1ea1i Florida k\u1ec3 t\u1eeb n\u0103m 1997 v\u00e0 ch\u00fang t\u00f4i lu\u00f4n h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng tr\u00ean kh\u1eafp khu v\u1ef1c Trung Florida v\u00e0 c\u00e1c khu v\u1ef1c kh\u00e1c c\u1ee7a bang. H\u00e3y cho ch\u00fang t\u00f4i bi\u1ebft nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra, <strong>Ti\u1ebfng Anh, Ti\u1ebfng T\u00e2y Ban Nha ho\u1eb7c Ti\u1ebfng Vi\u1ec7t<\/strong>, v\u00e0 ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch chi ti\u1ebft v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n cho b\u1ea1n. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 n\u00e0y ho\u00e0n to\u00e0n mi\u1ec5n ph\u00ed v\u00e0 b\u1ea1n kh\u00f4ng b\u1ecb \u00e9p bu\u1ed9c ph\u1ea3i quy\u1ebft \u0111\u1ecbnh b\u1ea5t k\u1ef3 \u0111i\u1ec1u g\u00ec v\u00e0o ng\u00e0y h\u00f4m \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u1ecdi <strong><a href=\"tel:+14079990045\">(407) 999-0045<\/a><\/strong> ho\u1eb7c <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/lien-he-voi-chung-toi\/\">H\u00e3y g\u1eedi cho ch\u00fang t\u00f4i m\u1ed9t tin nh\u1eafn<\/a>. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1ch ch\u00fang t\u00f4i x\u1eed l\u00fd c\u00e1c khi\u1ebfu n\u1ea1i n\u00e0y t\u1ea1i <a href=\"https:\/\/www.maaswinkellaw.com\/vi\/linh-vuc-thuc-hanh\/luat-su-tai-nan-xe-hoi\/\">Trang lu\u1eadt s\u01b0 tai n\u1ea1n xe h\u01a1i Orlando<\/a>. Ch\u00fang t\u00f4i c\u00f3 \u0111\u1ecba ch\u1ec9 t\u1ea1i 629 N Fern Creek Ave, Orlando, FL 32803, v\u00e0 ch\u00fang t\u00f4i s\u1ebd \u0111\u1ebfn t\u1eadn nh\u00e0 n\u1ebfu qu\u00fd v\u1ecb kh\u00f4ng th\u1ec3 \u0111i l\u1ea1i \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00e0i nguy\u00ean li\u00ean quan<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/florida-da-loai-bo-pip-hay-chua\/\">Lu\u1eadt Florida kh\u00f4ng y\u00eau c\u1ea7u nguy\u00ean nh\u00e2n tai n\u1ea1n gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1ea3o hi\u1ec3m (PIP) \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p b\u1ea3o hi\u1ec3m hay kh\u00f4ng?<\/a> \u2014 Ph\u1ea7n 1 c\u1ee7a lo\u1ea1t b\u00e0i n\u00e0y: PIP tr\u1ea3 ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o v\u00e0 quy \u0111\u1ecbnh 14 ng\u00e0y.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/mat-bao-lau-de-giai-quyet-yeu-cau-boi-thuong-thuong-tich-ca-nhan-va-thanh-toan-hoa-don-y-te\/\">Ph\u1ea3i m\u1ea5t bao l\u00e2u \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t v\u1ee5 ki\u1ec7n?<\/a> \u2014 L\u1ecbch tr\u00ecnh th\u1ef1c t\u1ebf, bao g\u1ed3m c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/huong-dan\/huong-dan-bao-cao-su-co-cho-orlando\/\">H\u01b0\u1edbng d\u1eabn B\u00e1o c\u00e1o V\u1ee5 tai n\u1ea1n Orlando<\/a> \u2014 C\u00e1ch nh\u1eadn b\u00e1o c\u00e1o v\u00e0 s\u1eeda l\u1ed7i trong b\u00e1o c\u00e1o.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/linh-vuc-thuc-hanh\/luat-su-xe-dap-danh-cho-nguoi-di-bo\/\">Tai n\u1ea1n ng\u01b0\u1eddi \u0111i b\u1ed9 v\u00e0 xe \u0111\u1ea1p \u2014 Orlando<\/a> \u2014 Khi ph\u1ea1m vi ph\u1ee7 s\u00f3ng c\u1ee7a UM \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng b\u00ean ngo\u00e0i xe.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.maaswinkellaw.com\/vi\/linh-vuc-thuc-hanh\/luat-su-tai-nan-xe-hoi\/\">Lu\u1eadt s\u01b0 Tai n\u1ea1n Xe h\u01a1i \u2014 Orlando &amp; Trung t\u00e2m Florida<\/a> \u2014 C\u00e1ch ch\u00fang ta x\u00e2y d\u1ef1ng v\u00e0 \u0111\u1ecbnh gi\u00e1 nh\u1eefng tuy\u00ean b\u1ed1 n\u00e0y.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tham chi\u1ebfu ph\u00e1p l\u00fd b\u00ean ngo\u00e0i<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/627.727\" target=\"_blank\" rel=\"noreferrer noopener\">Lu\u1eadt Florida \u00a7 627.727 \u2014 B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi l\u00e1i xe c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m th\u1ea5p<\/a> (C\u01a1 quan L\u1eadp ph\u00e1p Florida)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.flsenate.gov\/Laws\/Statutes\/2024\/627.736\" target=\"_blank\" rel=\"noreferrer noopener\">Lu\u1eadt Florida \u00a7 627.736 \u2013 Ph\u00fac l\u1ee3i PIP<\/a> (C\u01a1 quan L\u1eadp ph\u00e1p Florida)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noreferrer noopener\">Th\u1ef1c t\u1ebf + S\u1ed1 li\u1ec7u: Ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m<\/a> (Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m, tr\u00edch d\u1eabn d\u1eef li\u1ec7u n\u0103m 2023 c\u1ee7a H\u1ed9i \u0111\u1ed3ng Nghi\u00ean c\u1ee9u B\u1ea3o hi\u1ec3m)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.floridabar.org\/public\/consumer\/tip002\/\" target=\"_blank\" rel=\"noreferrer noopener\">B\u00e1o c\u00e1o d\u00e0nh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng: B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a> (\u0110o\u00e0n Lu\u1eadt s\u01b0 Florida)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.floir.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u01a1 quan Qu\u1ea3n l\u00fd B\u1ea3o hi\u1ec3m Florida<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-secondary-color has-text-color wp-block-paragraph\" style=\"font-size:13px\"><strong>Tuy\u00ean b\u1ed1 mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m c\u1ee7a \u0110o\u00e0n Lu\u1eadt s\u01b0 Florida:<\/strong> Th\u00f4ng tin tr\u00ean trang n\u00e0y l\u00e0 th\u00f4ng tin ph\u00e1p l\u00fd chung v\u1ec1 lu\u1eadt v\u1ec1 ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u1edf Florida t\u00ednh \u0111\u1ebfn th\u00e1ng 10 n\u0103m 2026 v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi t\u01b0 v\u1ea5n ph\u00e1p l\u00fd cho b\u1ea5t k\u1ef3 tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 n\u00e0o. Vi\u1ec7c \u0111\u1ecdc trang n\u00e0y kh\u00f4ng t\u1ea1o ra quan h\u1ec7 ph\u00e1p lu\u1eadt gi\u1eefa lu\u1eadt s\u01b0 v\u00e0 kh\u00e1ch h\u00e0ng. <strong>Ch\u00fang t\u00f4i kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 b\u1ea3o hi\u1ec3m.<\/strong> H\u00e3y trao \u0111\u1ed5i v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p v\u1ec1 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o n\u00ean mua. C\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u00ednh s\u00e1ch, quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 th\u00f4ng tin th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 kh\u00e1c nhau theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, v\u00e0 k\u1ebft qu\u1ea3 tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 trong t\u01b0\u01a1ng lai. C\u00f4ng ty Lu\u1eadt Maaswinkel, P.A. \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p h\u00e0nh ngh\u1ec1 lu\u1eadt t\u1ea1i Ti\u1ec3u Bang Florida. Th\u00f4ng tin n\u00e0y kh\u00f4ng nh\u1eb1m m\u1ee5c \u0111\u00edch c\u1ea5u th\u00e0nh qu\u1ea3ng c\u00e1o theo quy \u0111\u1ecbnh c\u1ee7a b\u1ea5t k\u1ef3 th\u1ea9m quy\u1ec1n ph\u00e1p l\u00fd n\u00e0o kh\u00e1c ngo\u00e0i Ti\u1ec3u Bang Florida.<\/p>","protected":false},"excerpt":{"rendered":"<p>Kho\u1ea3ng m\u1ed9t trong n\u0103m t\u00e0i x\u1ebf \u1edf Florida kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng g\u00ec b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m chi tr\u1ea3, c\u00e1ch t\u00ecm th\u1ea5y b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh v\u1ec1 th\u00f4ng b\u00e1o 30 ng\u00e0y c\u00f3 th\u1ec3 x\u00f3a b\u1ecf y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng UM.<\/p>","protected":false},"author":5,"featured_media":4892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"page_builder":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-4880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/posts\/4880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/comments?post=4880"}],"version-history":[{"count":1,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/posts\/4880\/revisions"}],"predecessor-version":[{"id":4891,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/posts\/4880\/revisions\/4891"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/media\/4892"}],"wp:attachment":[{"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/media?parent=4880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/categories?post=4880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.maaswinkellaw.com\/vi\/wp-json\/wp\/v2\/tags?post=4880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}