{"id":19904,"date":"2024-09-20T13:27:55","date_gmt":"2024-09-20T18:27:55","guid":{"rendered":"https:\/\/bolttech.io\/insights\/covid-19-va-bao-hiem-o-to-nhung-gi-chung-ta-biet-cho-den-nay\/"},"modified":"2024-09-20T13:28:02","modified_gmt":"2024-09-20T18:28:02","slug":"covid-19-va-bao-hiem-o-to-nhung-gi-chung-ta-biet-cho-den-nay","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/covid-19-va-bao-hiem-o-to-nhung-gi-chung-ta-biet-cho-den-nay\/","title":{"rendered":"COVID-19 v\u00e0 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4: Nh\u1eefng g\u00ec ch\u00fang ta bi\u1ebft cho \u0111\u1ebfn nay"},"content":{"rendered":"\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 thay \u0111\u1ed5i ho\u00e0n to\u00e0n th\u00f3i quen l\u00e0m vi\u1ec7c v\u00e0 sinh ho\u1ea1t c\u1ee7a ng\u01b0\u1eddi M\u1ef9.\nVi\u1ec7c \u0111\u00f3ng c\u1eeda, n\u01a1i tr\u00fa \u1ea9n theo l\u1ec7nh v\u00e0 nhu c\u1ea7u c\u00e1ch ly \u0111\u1ec3 ng\u0103n ch\u1eb7n s\u1ef1 l\u00e2y lan c\u1ee7a virus c\u00f3 ngh\u0129a l\u00e0 h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi ph\u1ea3i \u1edf nh\u00e0.\nC\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i v\u1eabn \u0111\u1eadu.\nM\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u1eadm ch\u00ed c\u00f2n t\u00ecm c\u00e1ch gi\u1ea3m gi\u00e1 ho\u1eb7c lo\u1ea1i b\u1ecf b\u1ea3o hi\u1ec3m kh\u1ecfi nh\u1eefng chi\u1ebfc xe kh\u00f4ng ai l\u00e1i. <\/p>\n\n

Gi\u1ed1ng nh\u01b0 c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ee7a n\u1ec1n kinh t\u1ebf M\u1ef9, b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111ang tr\u1ea3i qua m\u1ed9t s\u1ed1 ph\u1ee5c h\u1ed3i g\u1ea7n cu\u1ed1i n\u0103m 2020.\nD\u1ef1 ki\u1ebfn s\u1ebd ph\u1ee5c h\u1ed3i h\u01a1n n\u1eefa trong n\u0103m t\u1edbi.\nTuy nhi\u00ean, con \u0111\u01b0\u1eddng ph\u00eda tr\u01b0\u1edbc v\u1eabn c\u00f3 th\u1ec3 ch\u1ee9a \u0111\u1ef1ng nh\u1eefng ch\u01b0\u1edbng ng\u1ea1i v\u1eadt b\u1ea5t ng\u1edd. <\/p>\n\n

Xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 trong nh\u1eefng th\u00e1ng \u0111\u1ea7u \u0111\u1ea1i d\u1ecbch<\/h2>\n\n

Khi COVID-19 \u0111\u00f3ng c\u1eeda c\u00e1c doanh nghi\u1ec7p v\u00e0 gi\u1edbi h\u1ea1n ng\u01b0\u1eddi M\u1ef9 trong nh\u00e0 c\u1ee7a h\u1ecd v\u00e0o th\u00e1ng 3\/2020, nh\u1eefng l\u1eddi k\u00eau g\u1ecdi thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u00e3 \u0111\u1ebfn nhanh ch\u00f3ng.<\/p>\n\n

V\u00ed d\u1ee5, v\u00e0o th\u00e1ng 3 n\u0103m 2020, Li\u00ean \u0111o\u00e0n Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ee7a T\u1ed5 ch\u1ee9c Gi\u00e1o d\u1ee5c California (CFCEF) \u0111\u00e3 ki\u1ebfn ngh\u1ecb \u1ee7y vi\u00ean b\u1ea3o hi\u1ec3m c\u1ee7a ti\u1ec3u bang y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1ea3 l\u1ea1i c\u00e1c kho\u1ea3n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m cho nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng th\u1ec3 ra \u0111\u01b0\u1eddng do \u0111\u1ea1i d\u1ecbch.\n\u0110\u1ed9ng th\u00e1i n\u00e0y s\u1ebd v\u1eeba ng\u0103n ch\u1eb7n “l\u1ee3i nhu\u1eadn b\u1ea5t ng\u1edd” v\u1eeba gi\u00fap \u0111\u1ee1 nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng ngh\u00e8o nh\u1ea5t c\u1ee7a bang, Richard Holober<\/a>, gi\u00e1m \u0111\u1ed1c CFCEF cho bi\u1ebft. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u00e3 ho\u00e0n tr\u1ea3 ho\u1eb7c ghi c\u00f3 m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 cho kh\u00e1ch h\u00e0ng tr\u00ean kh\u1eafp Hoa K\u1ef3.<\/p>\n\n

“C\u00e1c c\u00f4ng ty n\u00e0y \u0111ang c\u1ed1 g\u1eafng ph\u1ea3n \u00e1nh nh\u1eefng g\u00ec \u0111ang x\u1ea3y ra ngay b\u00e2y gi\u1edd, b\u1edfi v\u00ec chi ph\u00ed m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang ph\u1ea3i ch\u1ecbu kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 so v\u1edbi nh\u1eefng g\u00ec h\u1ecd mong \u0111\u1ee3i”, Greg Frankowiak<\/a>, chuy\u00ean gia t\u00ednh to\u00e1n t\u01b0 v\u1ea5n cao c\u1ea5p t\u1ea1i Pinnacle Actuarial Resources, Inc. cho bi\u1ebft.<\/p>\n\n

Tuy nhi\u00ean, trong n\u1eeda cu\u1ed1i n\u0103m 2020, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1eaft \u0111\u1ea7u tr\u00e1nh xa vi\u1ec7c ho\u00e0n l\u1ea1i ti\u1ec1n v\u00e0 t\u00edn d\u1ee5ng.\nL\u01b0u l\u01b0\u1ee3ng truy c\u1eadp \u00f4 t\u00f4 t\u0103ng v\u00e0 d\u1ea7n d\u1ea7n tr\u1edf l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh giao th\u00f4ng d\u1ef1 ki\u1ebfn \u0111\u00e3 thay \u0111\u1ed5i s\u00e2n ch\u01a1i m\u1ed9t l\u1ea7n n\u1eefa. <\/p>\n\n

\"\"<\/figure>\n\n

B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 ph\u1ee5c h\u1ed3i kh\u00f4ng?<\/h2>\n\n

Vi\u1ec7c gi\u1ea3m gi\u00e1 v\u00e0 ho\u00e0n l\u1ea1i ti\u1ec1n \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\n\u0110i\u1ec1u n\u00e0y l\u00e0 do nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng l\u00e1i xe c\u0169ng kh\u00f4ng \u0111\u1ec3 b\u1ea3n th\u00e2n v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a h\u1ecd g\u1eb7p tai n\u1ea1n.\nCh\u1eb3ng h\u1ea1n, m\u1ed9t b\u00e1o c\u00e1o t\u1eeb Deloitte v\u00e0o \u0111\u1ea7u n\u0103m 2020 cho th\u1ea5y s\u1ed1 d\u1eb7m l\u00e1i xe c\u1ee7a M\u1ef9 \u0111\u00e3 gi\u1ea3m 40,2% trong th\u00e1ng 4 v\u00e0 25,5% v\u00e0o th\u00e1ng 5 so v\u1edbi n\u0103m tr\u01b0\u1edbc. <\/p>\n\n

M\u1eb7c d\u00f9 ph\u00ed b\u1ea3o hi\u1ec3m thu \u0111\u01b0\u1ee3c gi\u1ea3m, “c\u0169ng c\u00f3 s\u1ef1 gi\u1ea3m s\u1ed1 v\u1ee5 tai n\u1ea1n v\u00e0 \u0111\u00f4 la li\u00ean quan \u0111\u1ebfn nh\u1eefng v\u1ee5 tai n\u1ea1n do kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u1eeb quan \u0111i\u1ec3m kinh t\u1ebf”, Matthew Carrier<\/a>, hi\u1ec7u tr\u01b0\u1edfng t\u1ea1i Deloitte Consulting cho bi\u1ebft.\nTr\u1ea3 \u00edt y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng h\u01a1n \u0111\u00e1ng k\u1ec3 c\u00f3 ngh\u0129a l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tr\u1ea3 l\u1ea1i m\u1ed9t s\u1ed1 ti\u1ec1n cho kh\u00e1ch h\u00e0ng v\u00e0 v\u1eabn \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n

Trong n\u1eeda cu\u1ed1i n\u0103m 2020, vi\u1ec7c mua s\u1eafm c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 b\u1eaft \u0111\u1ea7u v\u01b0\u1ee3t xa vi\u1ec7c mua s\u1eafm c\u00e1c ch\u00ednh s\u00e1ch t\u01b0\u01a1ng t\u1ef1 trong n\u0103m tr\u01b0\u1edbc.\nV\u00ed d\u1ee5, m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a TransUnion<\/a> cho th\u1ea5y m\u1eb7c d\u00f9 s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u00e3 gi\u1ea3m 8% trong th\u00e1ng 4\/2020 so v\u1edbi th\u00e1ng 4\/2019, nh\u01b0ng n\u00f3 \u0111\u00e3 t\u0103ng v\u00e0o th\u00e1ng 6\/2020 l\u00ean m\u1ee9c cao h\u01a1n 12% so v\u1edbi th\u00e1ng 6\/2019. <\/p>\n\n

S\u1ed1 li\u1ec7u ban \u0111\u1ea7u trong qu\u00fd III\/2020 cho th\u1ea5y c\u1ea3 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 b\u1eaft \u0111\u1ea7u mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1edf l\u1ea1i v\u1edbi m\u1ee9c gi\u00e1 t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ee9c gi\u00e1 \u0111\u01b0\u1ee3c \u0111\u0103ng tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch, theo m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a LexisNexis Risk Solutions.<\/p>\n\n

“L\u1ec7nh c\u1ea5m h\u1ee7y do c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u00e1p \u0111\u1eb7t \u1edf \u0111\u1ec9nh \u0111i\u1ec3m c\u1ee7a cu\u1ed9c kh\u1ee7ng ho\u1ea3ng COVID s\u1ebd h\u1ebft h\u1ea1n, ch\u00ednh quy\u1ec1n ti\u1ec3u bang \u0111ang m\u1edf c\u1eeda tr\u1edf l\u1ea1i v\u00e0 c\u1ea5p th\u00eam gi\u1ea5y ph\u00e9p l\u00e1i xe, v\u00e0 c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111ang b\u1eaft \u0111\u1ea7u n\u1ed9p \u0111\u01a1n xin gi\u1ea3m gi\u00e1,” Tanner Sheehan<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ea1i LexisNexis Risk Solutions cho bi\u1ebft.\n“\u0110\u00e2y l\u00e0 t\u1ea5t c\u1ea3 c\u00e1c d\u1ea5u hi\u1ec7u cho th\u1ea5y mua s\u1eafm c\u00f3 ti\u1ec1m n\u0103ng m\u1ea1nh m\u1ebd \u0111\u1ec3 ch\u1ecdn.” <\/p>\n\n

Cu\u1ed1i n\u0103m 2020, sau \u0111\u00f3, cung c\u1ea5p m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7y h\u1ee9a h\u1eb9n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111ang t\u00ecm c\u00e1ch b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd khi n\u0103m k\u1ebft th\u00fac.\nTuy nhi\u00ean, nh\u1eefng xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i khi t\u00e1c \u0111\u1ed9ng c\u1ee7a COVID-19 ti\u1ebfp t\u1ee5c, Mark McElroy<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh t\u1ea1i TransUnion Insurance Solutions cho bi\u1ebft. <\/p>\n\n

“T\u00ecnh tr\u1ea1ng mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u1eabn ch\u01b0a ch\u1eafc ch\u1eafn, v\u00e0 \u0111i\u1ec1u quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m l\u00e0 ph\u1ea3i th\u00edch \u1ee9ng v\u1edbi nh\u1eefng h\u00e0nh vi mua s\u1eafm thay \u0111\u1ed5i n\u00e0y v\u00e0 nhu c\u1ea7u kh\u00e1c nhau c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng”, McElroy n\u00f3i.<\/p>\n\n

\"\"<\/figure>\n\n

B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 n\u0103m 2021 v\u00e0 h\u01a1n th\u1ebf n\u1eefa<\/h2>\n\n

M\u1eb7c d\u00f9 c\u00e1c t\u00e0i x\u1ebf \u0111ang quay tr\u1edf l\u1ea1i \u0111\u01b0\u1eddng ph\u1ed1, nh\u01b0ng nh\u1eefng \u1ea3nh h\u01b0\u1edfng c\u1ee7a \u0111\u1ea1i d\u1ecbch c\u00f3 th\u1ec3 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 trong nh\u1eefng n\u0103m t\u1edbi.<\/p>\n\n

Chu\u1ea9n b\u1ecb cho nh\u1eefng thay \u0111\u1ed5i trong h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng<\/h3>\n\n

Vi\u1ec7c gi\u1ea3m s\u1ed1 d\u1eb7m l\u00e1i xe th\u1ec3 hi\u1ec7n m\u1ed9t t\u00e1c \u0111\u1ed9ng r\u00f5 r\u00e0ng, ng\u1eafn h\u1ea1n c\u1ee7a COVID-19 \u0111\u1ed1i v\u1edbi h\u00e0nh vi li\u00ean quan \u0111\u1ebfn \u00f4 t\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nTuy nhi\u00ean, khi \u0111\u1ea1i d\u1ecbch ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh trong c\u00e1c c\u1ed9ng \u0111\u1ed3ng tr\u00ean kh\u1eafp Hoa K\u1ef3 v\u00e0 th\u1ebf gi\u1edbi, nh\u1eefng thay \u0111\u1ed5i kh\u00e1c trong h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4. <\/p>\n\n

V\u00ed d\u1ee5, nh\u1eefng thay \u0111\u1ed5i trong th\u00f3i quen l\u00e0m vi\u1ec7c v\u00e0 h\u1ecdc t\u1eadp, v\u1edbi nhi\u1ec1u c\u00f4ng nh\u00e2n v\u00e0 sinh vi\u00ean \u1edf nh\u00e0, c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn gi\u1ea3m doanh s\u1ed1 b\u00e1n xe m\u1edbi.\n“Doanh thu h\u00e0ng \u0111\u1ea7u s\u1ebd b\u1ecb c\u0103ng th\u1eb3ng b\u1edfi b\u1ea5t k\u1ef3 s\u1ef1 s\u1ee5t gi\u1ea3m n\u00e0o trong doanh s\u1ed1 b\u00e1n xe m\u1edbi, m\u1eb7c d\u00f9 t\u00e1c \u0111\u1ed9ng s\u1ebd \u1edf m\u1ee9c v\u1eeba ph\u1ea3i so v\u1edbi t\u1ed5ng kh\u1ed1i l\u01b0\u1ee3ng xe \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m”, Ari Chester<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft. <\/p>\n\n

C\u00e1c s\u1ef1 ki\u1ec7n kh\u00e1c c\u00f3 th\u1ec3 thay \u0111\u1ed5i h\u00e0nh vi l\u00e1i xe v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, h\u1ecd n\u00f3i th\u00eam, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p cao k\u00e9o d\u00e0i, l\u00e0m gi\u1ea3m nhu c\u1ea7u \u0111i l\u1ea1i.\nT\u00e2m l\u00fd e ng\u1ea1i r\u1ee7i ro gia t\u0103ng do ch\u1ea5n th\u01b0\u01a1ng li\u00ean quan \u0111\u1ebfn COVID-19 c\u0169ng c\u00f3 th\u1ec3 khi\u1ebfn nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe th\u1eadn tr\u1ecdng tr\u00e1nh \u0111\u01b0\u1eddng. <\/p>\n\n

Khi nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe c\u1ea9n th\u1eadn \u1edf nh\u00e0, nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe li\u1ec1u l\u0129nh h\u01a1n c\u00f3 th\u1ec3 ra \u0111\u01b0\u1eddng theo c\u00e1ch \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 tai n\u1ea1n.\nCh\u1eb3ng h\u1ea1n, m\u1ed9t nghi\u00ean c\u1ee9u v\u00e0o th\u00e1ng 4 n\u0103m 2020 c\u1ee7a Hi\u1ec7p h\u1ed9i An to\u00e0n \u0110\u01b0\u1eddng cao t\u1ed1c Th\u1ed1ng \u0111\u1ed1c<\/a> cho th\u1ea5y trong th\u1eddi gian t\u1eaft coronavirus, nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe tr\u00ean \u0111\u01b0\u1eddng c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p h\u00e0nh vi l\u00e1i xe li\u1ec1u l\u0129nh h\u01a1n.\nB\u1ed1n ti\u1ec3u bang – Colorado, Indiana, Nebraska v\u00e0 Utah – \u0111\u1ed3ng h\u1ed3 l\u00e1i xe \u0111i h\u01a1n 100 d\u1eb7m m\u1ed9t gi\u1edd, trong khi c\u1ea3m bi\u1ebfn c\u1ea5p \u0111\u01b0\u1eddng ph\u1ed1 \u1edf Los Angeles t\u00ecm th\u1ea5y ng\u01b0\u1eddi l\u00e1i xe t\u0103ng t\u1ed1c \u0111\u1ed9 c\u1ee7a h\u1ecd l\u00ean t\u1edbi 30 ph\u1ea7n tr\u0103m.\nNevada v\u00e0 Rhode Island ph\u00e1t hi\u1ec7n ra r\u1eb1ng trong khi tai n\u1ea1n xe h\u01a1i n\u00f3i chung \u0111\u00e3 gi\u1ea3m, c\u00e1c v\u1ee5 tai n\u1ea1n ch\u1ebft ng\u01b0\u1eddi li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi \u0111i b\u1ed9 \u0111ang gia t\u0103ng. <\/p>\n\n

H\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe c\u00f3 th\u1ec3 kh\u00f3 d\u1ef1 b\u00e1o trong ho\u00e0n c\u1ea3nh t\u1ed1t nh\u1ea5t.\nTuy nhi\u00ean, khi k\u1ebft h\u1ee3p v\u1edbi nh\u1eefng t\u00e1c \u0111\u1ed9ng ph\u1ea7n l\u1edbn ch\u01b0a \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn c\u1ee7a COVID-19, k\u1ebft qu\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 c\u00f2n kh\u00f3 d\u1ef1 \u0111o\u00e1n h\u01a1n. <\/p>\n\n

X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n<\/h3>\n\n

M\u1ed9t c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi t\u00e1c \u0111\u1ed9ng c\u1ee7a COVID-19 l\u00e0 n\u1eafm l\u1ea5y s\u1ef1 s\u1eb5n s\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u s\u1ee9c kh\u1ecfe v\u00e0 cu\u1ed9c s\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u1ed3ng c\u1ea3m h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng, Roger Peverelli v\u00e0 Reggy De Feniks<\/a> t\u1ea1i L\u00e3nh \u0111\u1ea1o T\u01b0 t\u01b0\u1edfng B\u1ea3o hi\u1ec3m vi\u1ebft.\nNh\u1eefng m\u1ed1i quan h\u1ec7 n\u00e0y bao g\u1ed3m c\u01a1 h\u1ed9i trao quy\u1ec1n cho kh\u00e1ch h\u00e0ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m v\u00e0 r\u1ee7i ro. <\/p>\n\n

“Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng… mang \u0111\u1ebfn \u0111i\u1ec1u g\u00ec \u0111\u00f3 t\u00edch c\u1ef1c b\u1ea5t ng\u1edd”, Peverelli v\u00e0 De Feniks gi\u1ea3i th\u00edch.\n“M\u1ecdi ng\u01b0\u1eddi \u0111ang c\u1ed1 g\u1eafng h\u1ebft s\u1ee9c \u0111\u1ec3 gi\u00fap t\u1ea5t c\u1ea3 ch\u00fang ta v\u01b0\u1ee3t qua th\u1eddi gian c\u1ed1 g\u1eafng n\u00e0y. M\u1ed9t c\u1ea3m gi\u00e1c k\u1ebft n\u1ed1i v\u00e0 g\u1eafn k\u1ebft ch\u01b0a t\u1eebng c\u00f3 \u0111\u01b0\u1ee3c ch\u00fa \u00fd. M\u1ecdi ng\u01b0\u1eddi th\u1ef1c s\u1ef1 quan t\u00e2m \u0111\u1ebfn nhau”.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng \u00fd th\u1ee9c ch\u0103m s\u00f3c n\u00e0y, k\u1ebft h\u1ee3p v\u1edbi ph\u00e2n t\u00edch d\u1eef li\u1ec7u m\u1ea1nh m\u1ebd, \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 gi\u00e1o d\u1ee5c \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m. <\/p>\n\n

Khi ch\u1ee7 s\u1edf h\u1eefu \u00f4 t\u00f4 v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i\u1ec1u ch\u1ec9nh theo tr\u1ea1ng th\u00e1i b\u00ecnh th\u01b0\u1eddng m\u1edbi, c\u1ea3 hai b\u00ean c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nB\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean vi\u1ec7c s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n khi ng\u01b0\u1eddi l\u00e1i xe t\u00ecm c\u00e1ch qu\u1ea3n l\u00fd chi ph\u00ed trong khi v\u1eabn gi\u1eef m\u1ed9t chi\u1ebfc xe c\u00f3 s\u1eb5n cho nhu c\u1ea7u c\u1ee7a h\u1ecd.\nTrong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n v\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m \u0111\u01a1n gi\u1ea3n, theo y\u00eau c\u1ea7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c truy c\u1eadp k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

\u1ea2nh: q77photo\/\u00a9123RF.com, Quang Ng\u00f4\/\u00a9123RF.com, rawpixel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 thay \u0111\u1ed5i ho\u00e0n to\u00e0n th\u00f3i quen l\u00e0m vi\u1ec7c v\u00e0 sinh ho\u1ea1t c\u1ee7a ng\u01b0\u1eddi M\u1ef9. Vi\u1ec7c \u0111\u00f3ng c\u1eeda, n\u01a1i tr\u00fa \u1ea9n theo l\u1ec7nh v\u00e0 nhu c\u1ea7u c\u00e1ch ly \u0111\u1ec3 ng\u0103n ch\u1eb7n s\u1ef1 l\u00e2y lan c\u1ee7a virus c\u00f3 ngh\u0129a l\u00e0 h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi ph\u1ea3i \u1edf nh\u00e0. C\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng […]<\/p>\n","protected":false},"featured_media":8991,"template":"","insight-category":[],"class_list":["post-19904","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/8991"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19904"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}