{"id":20675,"date":"2024-09-27T11:07:28","date_gmt":"2024-09-27T16:07:28","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-o-to-co-the-thich-ung-thanh-cong-voi-su-gia-tang-cua-chia-se-chuyen-di\/"},"modified":"2024-09-27T11:07:32","modified_gmt":"2024-09-27T16:07:32","slug":"lam-the-nao-cac-cong-ty-bao-hiem-o-to-co-the-thich-ung-thanh-cong-voi-su-gia-tang-cua-chia-se-chuyen-di","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-o-to-co-the-thich-ung-thanh-cong-voi-su-gia-tang-cua-chia-se-chuyen-di\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 th\u00edch \u1ee9ng th\u00e0nh c\u00f4ng v\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a chia s\u1ebb chuy\u1ebfn \u0111i"},"content":{"rendered":"\n

Ngay c\u1ea3 tr\u01b0\u1edbc khi coronavirus l\u00e0m \u0111\u1ea3o l\u1ed9n cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y, tin t\u1ee9c v\u1ec1 s\u1ef1 suy tho\u00e1i trong ng\u00e0nh b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 \u00f4 t\u00f4 \u0111\u00e3 xu\u1ea5t hi\u1ec7n.\nV\u00ed d\u1ee5, trong m\u1ed9t b\u00e0i b\u00e1o v\u00e0o th\u00e1ng 5\/2019, Brian Collie<\/a> v\u00e0 c\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i BCG d\u1ef1 \u0111o\u00e1n r\u1eb1ng ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4 s\u1ebd s\u1edbm ch\u1ee9ng ki\u1ebfn s\u1ef1 s\u1ee5t gi\u1ea3m v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng xe b\u00e1n ra v\u00e0 c\u00e1c kho\u1ea3n vay mua \u00f4 t\u00f4 \u0111\u01b0\u1ee3c tr\u1ea3. <\/p>\n\n

\u0110\u1ea7u n\u0103m 2020, nh\u00e0 ph\u00e2n t\u00edch Adam Jonas<\/a> c\u1ee7a Morgan Stanley d\u1ef1 \u0111o\u00e1n r\u1eb1ng c\u00f3 th\u1ec3 b\u00e1n \u00edt h\u01a1n g\u1ea7n hai tri\u1ec7u xe \u1edf M\u1ef9 v\u00e0o n\u0103m 2020 so v\u1edbi n\u0103m 2019.\nMua \u00edt xe h\u01a1n c\u00f3 ngh\u0129a l\u00e0 \u00edt ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 h\u01a1n, cho c\u1ea3 ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n v\u00e0 v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n

M\u1eb7c d\u00f9 COVID-19 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 m\u1edbi g\u00e2y \u00e1p l\u1ef1c gi\u1ea3m doanh s\u1ed1 b\u00e1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 duy nh\u1ea5t.\nM\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 \u0111ang \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn suy tho\u00e1i hi\u1ec7n t\u1ea1i, bao g\u1ed3m s\u1ef1 quan t\u00e2m ti\u1ebfp t\u1ee5c \u0111\u1ebfn c\u00e1c l\u1ef1a ch\u1ecdn chia s\u1ebb \u0111i xe v\u00e0 cho thu\u00ea \u0111i\u1ec7n nh\u01b0 xe tay ga, xe \u0111\u1ea1p v\u00e0 \u00f4 t\u00f4. <\/p>\n\n

T\u1ea1i sao nhu c\u1ea7u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111ang c\u00f3 xu h\u01b0\u1edbng gi\u1ea3m<\/h2>\n\n

Tuy nhi\u00ean, hi\u1ec7n t\u1ea1i, c\u00e2u chuy\u1ec7n l\u1edbn nh\u1ea5t trong vi\u1ec7c gi\u1ea3m nhu c\u1ea7u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 COVID-19 v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111i l\u1ea1i c\u1ee7a con ng\u01b0\u1eddi v\u00e0 n\u1ec1n kinh t\u1ebf.<\/p>\n\n

Khi n\u1ec1n kinh t\u1ebf b\u1ecb \u0111\u00ecnh tr\u1ec7, s\u1ed1 d\u1eb7m l\u00e1i xe c\u0169ng v\u1eady.\n“Trong l\u1ecbch s\u1eed, M\u1ef9 \u0111\u00e3 ch\u1ee9ng ki\u1ebfn t\u1ed5ng s\u1ed1 d\u1eb7m l\u00e1i xe \u1edf M\u1ef9 gi\u1ea3m trong th\u1eddi k\u1ef3 suy tho\u00e1i”, Susanna Gotsch<\/a>, gi\u00e1m \u0111\u1ed1c v\u00e0 nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u t\u1ea1i CCC Information Services cho bi\u1ebft.\nV\u00ed d\u1ee5, s\u1ed1 d\u1eb7m l\u00e1i xe \u0111\u00e3 gi\u1ea3m ba ph\u1ea7n tr\u0103m trong cu\u1ed9c \u0110\u1ea1i suy tho\u00e1i. <\/p>\n\n

C\u00e1c c\u00f4ng ty chia s\u1ebb chuy\u1ebfn \u0111i c\u0169ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n trong cu\u1ed9c suy tho\u00e1i kinh t\u1ebf g\u1ea7n \u0111\u00e2y.\nHo\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a Uber t\u1ea1i Seattle \u0111\u00e3 gi\u1ea3m 60 \u0111\u1ebfn 70% sau khi th\u00e0nh ph\u1ed1 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 b\u00f9ng ph\u00e1t c\u1ee7a coronavirus v\u00e0o th\u00e1ng Ba, v\u00e0 D.A. Davidson SVP v\u00e0 nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u c\u1ed5 phi\u1ebfu cao c\u1ea5p Tom White<\/a> d\u1ef1 \u0111o\u00e1n r\u1eb1ng vi\u1ec7c chia s\u1ebb xe n\u00f3i chung s\u1ebd gi\u1ea3m 70 \u0111\u1ebfn 80% tr\u00ean to\u00e0n qu\u1ed1c. <\/p>\n\n

\u0110\u1ec3 c\u1ee7ng c\u1ed1 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh, c\u1ea3 Uber v\u00e0 Lyft \u0111\u00e3 chuy\u1ec3n sang giao \u0111\u1ed3 \u0103n: Uber b\u1eb1ng c\u00e1ch m\u1edf r\u1ed9ng ch\u01b0\u01a1ng tr\u00ecnh UberEats v\u00e0 Lyft b\u1eb1ng c\u00e1ch tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh giao b\u1eefa \u0103n v\u00e0 h\u00e0ng t\u1ea1p h\u00f3a t\u1ea1i 11 th\u00e0nh ph\u1ed1 l\u1edbn c\u1ee7a Hoa K\u1ef3.\nCh\u01b0\u01a1ng tr\u00ecnh c\u1ee7a Lyft t\u1eadp trung v\u00e0o vi\u1ec7c cung c\u1ea5p c\u00e1c nhu y\u1ebfu ph\u1ea9m nh\u01b0 th\u1ef1c ph\u1ea9m v\u00e0 v\u1eadt t\u01b0 y t\u1ebf cho nh\u1eefng ng\u01b0\u1eddi d\u00e2n kh\u00f4ng th\u1ec3 t\u1ef1 mua nh\u1eefng m\u1eb7t h\u00e0ng n\u00e0y, nh\u01b0 ng\u01b0\u1eddi gi\u00e0.\n“Khi c\u00e1c c\u1ed9ng \u0111\u1ed3ng tr\u00fa \u1ea9n t\u1ea1i ch\u1ed7, nhu c\u1ea7u v\u1ec1 c\u00e1c m\u1eb7t h\u00e0ng \u0111\u01b0\u1ee3c giao \u0111\u1ebfn tr\u01b0\u1edbc c\u1eeda nh\u00e0 \u0111ang \u1edf m\u1ee9c cao nh\u1ea5t m\u1ecdi th\u1eddi \u0111\u1ea1i,” Lisa Boyd<\/a>, gi\u00e1m \u0111\u1ed1c t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i t\u1ea1i Lyft n\u00f3i. <\/p>\n\n

S\u1ef1 thay \u0111\u1ed5i t\u1ea1m th\u1eddi t\u1eeb v\u1eadn chuy\u1ec3n ng\u01b0\u1eddi sang v\u1eadn chuy\u1ec3n th\u1ef1c ph\u1ea9m v\u00e0 h\u00e0ng h\u00f3a s\u1ebd khi\u1ebfn m\u1ed9t s\u1ed1 t\u00e0i x\u1ebf Uber v\u00e0 Lyft ph\u1ea3i l\u00ean \u0111\u01b0\u1eddng.\nTuy nhi\u00ean, \u1edf c\u00e1c khu v\u1ef1c \u0111\u00f4 th\u1ecb l\u1edbn, n\u00f3 c\u0169ng c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t s\u1ed1 t\u00e0i x\u1ebf \u0111i chung xe chuy\u1ec3n sang c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n nh\u1ecf h\u01a1n, c\u01a1 \u0111\u1ed9ng h\u01a1n v\u00e0 r\u1ebb h\u01a1n, ch\u1eb3ng h\u1ea1n nh\u01b0 xe m\u00e1y \u0111i\u1ec7n ho\u1eb7c xe \u0111\u1ea1p. <\/p>\n\n

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

\u1ea2nh h\u01b0\u1edfng c\u1ee7a vi\u1ec7c \u0111i chung xe v\u00e0 cho thu\u00ea \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/h2>\n\n

Tr\u01b0\u1edbc khi c\u00e1c ch\u00ednh ph\u1ee7 tr\u00ean to\u00e0n th\u1ebf gi\u1edbi g\u1ea5p r\u00fat \u1ee9ng ph\u00f3 v\u1edbi COVID-19, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 d\u1ef1 t\u00ednh t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c chia s\u1ebb chuy\u1ebfn \u0111i \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m.\nH\u1ecd c\u0169ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u kh\u00e1m ph\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a xe \u0111i\u1ec7n v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf xe, nh\u01b0 xe \u0111\u1ea1p \u0111i\u1ec7n v\u00e0 xe tay ga. <\/p>\n\n

Gi\u1ea3i quy\u1ebft s\u1ef1 gia t\u0103ng c\u1ee7a d\u1ecbch v\u1ee5 chia s\u1ebb chuy\u1ebfn \u0111i<\/h3>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ph\u1ea3n \u1ee9ng v\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a vi\u1ec7c chia s\u1ebb chuy\u1ebfn \u0111i b\u1eb1ng c\u00e1ch cung c\u1ea5p b\u1ea3o hi\u1ec3m b\u1ed5 sung cho c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi c\u00e1c t\u00e0i x\u1ebf chia s\u1ebb chuy\u1ebfn \u0111i.\nB\u1ea3o hi\u1ec3m b\u1ed5 sung n\u00e0y th\u01b0\u1eddng kh\u00f4ng cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u1ea7y \u0111\u1ee7, nh\u01b0ng ch\u00fang cung c\u1ea5p m\u1ed9t s\u1ed1 b\u1ea3o m\u1eadt b\u1ed5 sung.\nH\u1ecd \u0111\u00e3 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe chia s\u1ebb s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd \u0111\u1ec3 cung c\u1ea5p c\u00e1c chuy\u1ebfn \u0111i nh\u01b0ng nh\u1eefng ng\u01b0\u1eddi th\u1ea5y b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u1ea7y \u0111\u1ee7 qu\u00e1 t\u1ed1n k\u00e9m \u0111\u1ec3 duy tr\u00ec, Bethan Moorcraft<\/a> vi\u1ebft t\u1ea1i t\u1ea1p ch\u00ed Insurance Business. <\/p>\n\n

Khi c\u00f4ng vi\u1ec7c chia s\u1ebb chuy\u1ebfn \u0111i t\u0103ng l\u00ean, s\u1ef1 quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i cho c\u00e1c t\u00e0i x\u1ebf chia s\u1ebb chuy\u1ebfn \u0111i c\u0169ng s\u1ebd t\u0103ng l\u00ean.\nC\u00e1c doanh nghi\u1ec7p c\u0169ng c\u00f3 th\u1ec3 s\u1ebd t\u00ecm th\u1ea5y nhi\u1ec1u c\u00e1ch s\u1eed d\u1ee5ng h\u01a1n cho c\u00e1c n\u1ec1n t\u1ea3ng chia s\u1ebb chuy\u1ebfn \u0111i. <\/p>\n\n

V\u00ed d\u1ee5: m\u1ed9t s\u1ed1 doanh nghi\u1ec7p \u0111ang cung c\u1ea5p ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i c\u1ea7n thi\u1ebft cho kh\u00e1ch h\u00e0ng ho\u1eb7c nh\u00e2n vi\u00ean b\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty nh\u01b0 Uber v\u00e0 Lyft.\nN\u1ec1n t\u1ea3ng B2B “Uber for Business” c\u1ee7a Uber cho ph\u00e9p c\u00e1c c\u00f4ng ty t\u1ef1 \u0111\u1ed9ng t\u00ednh ph\u00ed \u0111i xe v\u00e0o t\u00e0i kho\u1ea3n c\u00f4ng ty c\u1ee7a h\u1ecd v\u00e0 c\u0169ng cung c\u1ea5p th\u00f4ng tin v\u1ec1 ai, \u1edf \u0111\u00e2u v\u00e0 khi n\u00e0o c\u00e1c chuy\u1ebfn \u0111i b\u1ecb t\u00ednh ph\u00ed x\u1ea3y ra. <\/p>\n\n

Tuy nhi\u00ean, Uber for Business v\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng t\u01b0\u01a1ng t\u1ef1 \u0111\u00e3 n\u00eau l\u00ean m\u1ed9t s\u1ed1 lo ng\u1ea1i li\u00ean quan \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, bao g\u1ed3m r\u1ee7i ro vi ph\u1ea1m d\u1eef li\u1ec7u.\nB\u1edfi v\u00ec c\u00e1c n\u1ec1n t\u1ea3ng chia s\u1ebb chuy\u1ebfn \u0111i li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp v\u1edbi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p, ch\u00fang khi\u1ebfn doanh nghi\u1ec7p c\u00f3 nguy c\u01a1 gian l\u1eadn t\u00e0i ch\u00ednh ho\u1eb7c \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u. <\/p>\n\n

“B\u1ea3o v\u1ec7 PII (th\u00f4ng tin nh\u1eadn d\u1ea1ng c\u00e1 nh\u00e2n) l\u00e0 s\u1eafc th\u00e1i kh\u00f4ng t\u1ed3n t\u1ea1i v\u1edbi c\u00e1c lo\u1ea1i ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng kh\u00e1c”, Thom Rickert<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m MuniPlus t\u1ea1i Allied Public Risk cho bi\u1ebft.\nN\u00f3 c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u m\u00e0 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i d\u1ef1 \u0111o\u00e1n tung h\u1ee9ng nh\u01b0 l\u00e0 m\u1ed9t ph\u1ea7n trong t\u00ednh to\u00e1n c\u1ee7a h\u1ecd v\u1ec1 r\u1ee7i ro \u00f4 t\u00f4. <\/p>\n\n

L\u1ef1a ch\u1ecdn thay th\u1ebf \u0111i\u1ec7n: \u01afu v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m<\/h3>\n\n

Chia s\u1ebb chuy\u1ebfn \u0111i kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 duy nh\u1ea5t thay \u0111\u1ed5i c\u00e1ch c\u00e1c doanh nghi\u1ec7p v\u1eadn chuy\u1ec3n ng\u01b0\u1eddi v\u00e0 h\u00e0ng h\u00f3a c\u1ee7a h\u1ecd.\nS\u1ef1 gia t\u0103ng c\u1ee7a xe \u0111i\u1ec7n, bao g\u1ed3m c\u00e1c l\u1ef1a ch\u1ecdn kho\u1ea3ng c\u00e1ch ng\u1eafn nh\u01b0 xe \u0111\u1ea1p v\u00e0 xe tay ga, c\u0169ng l\u00e0m thay \u0111\u1ed5i t\u00ednh to\u00e1n r\u1ee7i ro. <\/p>\n\n

M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m b\u00e1n h\u00e0ng h\u00e0ng \u0111\u1ea7u c\u1ee7a xe \u0111i\u1ec7n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p l\u00e0 ch\u00fang gi\u1ea3m ho\u1eb7c lo\u1ea1i b\u1ecf nhu c\u1ea7u chi ti\u1ec1n cho nhi\u00ean li\u1ec7u h\u00f3a th\u1ea1ch, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 ch\u00fang c\u0169ng c\u00f3 th\u1ec3 t\u1ed1t h\u01a1n cho m\u00f4i tr\u01b0\u1eddng.\nC\u00e1c nghi\u00ean c\u1ee9u v\u1ec1 an to\u00e0n xe \u0111i\u1ec7n cho th\u1ea5y nh\u1eefng chi\u1ebfc xe n\u00e0y c\u0169ng c\u00f3 th\u1ec3 \u00edt nguy hi\u1ec3m h\u01a1n trong m\u1ed9t v\u1ee5 tai n\u1ea1n. <\/p>\n\n

V\u00ed d\u1ee5, “khi so s\u00e1nh v\u1edbi t\u00ednh d\u1ec5 ch\u00e1y c\u1ee7a x\u0103ng, pin Li-ion c\u00f3 nguy c\u01a1 ch\u00e1y n\u1ed5 th\u1ea5p h\u01a1n nhi\u1ec1u”, lu\u1eadt s\u01b0 vi ph\u1ea1m nguy\u00ean t\u1eafc ngh\u1ec1 nghi\u1ec7p y t\u1ebf Malcolm P. McConnell III<\/a> cho bi\u1ebft.\nTrong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p hi\u1ebfm hoi x\u1ea3y ra h\u1ecfa ho\u1ea1n, n\u00f3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c ch\u1ee9a trong v\u1ecf pin \u0111\u1ee7 l\u00e2u \u0111\u1ec3 \u0111\u01b0\u1ee3c d\u1eadp t\u1eaft. <\/p>\n\n

S\u1ef1 an to\u00e0n \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n c\u1ee7a xe \u0111i\u1ec7n mang l\u1ea1i nhi\u1ec1u h\u1ee9a h\u1eb9n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nKhi tai n\u1ea1n g\u00e2y thi\u1ec7t h\u1ea1i \u00edt h\u01a1n cho m\u1ed9t chi\u1ebfc xe ho\u1eb7c ng\u01b0\u1eddi ng\u1ed3i trong xe, ch\u00fang th\u01b0\u1eddng t\u1ed1n \u00edt chi ph\u00ed h\u01a1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nKhi\u1ebfu n\u1ea1i c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd nhanh h\u01a1n, th\u00fac \u0111\u1ea9y s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

Xe \u0111i\u1ec7n c\u0169ng c\u00f3 th\u1ec3 d\u1ec5 b\u1ea3o tr\u00ec h\u01a1n so v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c ch\u1ea1y b\u1eb1ng x\u0103ng, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n s\u1ef1 an to\u00e0n v\u00e0 gi\u1ea3m chi ph\u00ed cho m\u1ed9t s\u1ed1 khi\u1ebfu n\u1ea1i nh\u1ea5t \u0111\u1ecbnh.\nV\u00ed d\u1ee5, “c\u00e1c h\u1ec7 th\u1ed1ng nh\u01b0 phanh tr\u00ean xe \u0111i\u1ec7n t\u1ed3n t\u1ea1i l\u00e2u h\u01a1n v\u00e0 \u0111\u00f2i h\u1ecfi \u00edt b\u1ea3o tr\u00ec h\u01a1n so v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng tr\u00ean xe x\u0103ng”, Olivier Proulx<\/a> t\u1ea1i ChargeHub cho bi\u1ebft.\nPhanh l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng an to\u00e0n thi\u1ebft y\u1ebfu; M\u1ed9t h\u1ec7 th\u1ed1ng phanh ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n v\u1edbi \u00edt b\u1ea3o tr\u00ec h\u01a1n c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n h\u01a1n cho ng\u01b0\u1eddi l\u00e1i xe. <\/p>\n\n

Tuy nhi\u00ean, t\u01b0\u01a1ng lai g\u1ea7n kh\u00f4ng ho\u00e0n to\u00e0n m\u00e0u h\u1ed3ng \u0111\u1ed1i v\u1edbi xe \u0111i\u1ec7n.\nGi\u00e1 x\u0103ng gi\u1ea3m khi\u1ebfn vi\u1ec7c cung c\u1ea5p nhi\u00ean li\u1ec7u cho m\u1ed9t chi\u1ebfc xe ho\u1eb7c \u0111\u1ed9i xe ch\u1ea1y b\u1eb1ng kh\u00ed \u0111\u1ed1t tr\u1edf n\u00ean r\u1ebb h\u01a1n, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf \u0111i\u1ec7n tr\u1edf n\u00ean k\u00e9m h\u1ea5p d\u1eabn h\u01a1n.\nNgay c\u1ea3 m\u1ed9t g\u00f3i k\u00edch th\u00edch c\u1ee7a ch\u00ednh ph\u1ee7 nh\u1eb1m v\u00e0o ng\u00e0nh c\u00f4ng nghi\u1ec7p xe \u0111i\u1ec7n c\u1ee7a M\u1ef9 “c\u00f3 th\u1ec3 s\u1ebd qu\u00e1 nh\u1ecf \u0111\u1ec3 b\u00f9 \u0111\u1eafp qu\u1ef9 \u0111\u1ea1o c\u1ee7a M\u1ef9 trong n\u0103m nay”, Peter Nagle<\/a>, nh\u00e0 ph\u00e2n t\u00edch ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4 c\u1ee7a IHS Markit cho bi\u1ebft. <\/p>\n\n

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

T\u01b0\u01a1ng lai c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 s\u1ebd ra sao?<\/h2>\n\n

Khi c\u00e1c doanh nghi\u1ec7p th\u00edch nghi v\u1edbi tr\u1ea1ng th\u00e1i b\u00ecnh th\u01b0\u1eddng m\u1edbi, s\u1edf th\u00edch duy tr\u00ec \u0111\u1ed9i xe \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 chuy\u1ec3n sang thu\u00ea ngo\u00e0i giao h\u00e0ng cho c\u00e1c c\u00f4ng ty chia s\u1ebb chuy\u1ebfn \u0111i ho\u1eb7c n\u1eafm l\u1ea5y c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf cho c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n ch\u1ea1y b\u1eb1ng x\u0103ng nh\u01b0 \u00f4 t\u00f4 \u0111i\u1ec7n ho\u1eb7c xe \u0111\u1ea1p ho\u1eb7c xe tay ga c\u00f3 th\u1ec3 chia s\u1ebb.<\/p>\n\n

M\u1eb7c d\u00f9 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 n\u01a1i tr\u00fa \u1ea9n t\u1ea1i ch\u1ed7 c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh s\u1ef1 thay \u0111\u1ed5i n\u00e0y, nh\u01b0ng xu h\u01b0\u1edbng kh\u00f4ng s\u1edf h\u1eefu ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n v\u00e0 c\u00f4ng ty \u0111\u00e3 x\u1ea3y ra tr\u01b0\u1edbc n\u0103m 2020.\nV\u00ed d\u1ee5, trong n\u0103m 2015, 44% c\u00e1 nh\u00e2n v\u00e0 c\u00f4ng ty c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i th\u00e0nh ph\u1ed1 n\u00f3i r\u1eb1ng “c\u00f3 ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft, nh\u01b0ng s\u1edf h\u1eefu m\u1ed9t chi\u1ebfc xe th\u00ec kh\u00f4ng”, Sebastian Gancarczyk<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch t\u00e0i ch\u00ednh t\u1ea1i Insurance Auto Auctions, tr\u00edch d\u1eabn m\u1ed9t nghi\u00ean c\u1ee9u \u00f4 t\u00f4 c\u1ee7a Cox.\n\u0110\u1ebfn n\u0103m 2018, con s\u1ed1 \u0111\u00f3 \u0111\u00e3 t\u0103ng l\u00ean 57%.\nNh\u1eefng ng\u01b0\u1eddi coi vi\u1ec7c s\u1edf h\u1eefu xe h\u01a1i l\u00e0 m\u1ed9t \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 thi\u1ec3u s\u1ed1 \u1edf c\u00e1c trung t\u00e2m \u0111\u00f4 th\u1ecb c\u1ee7a Hoa K\u1ef3. <\/p>\n\n

M\u1ed9t ph\u1ea3n \u1ee9ng ng\u1eafn h\u1ea1n m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ea5p nh\u1eadn \u0111\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng l\u00e0 t\u1ea1m th\u1eddi gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m.\nHi\u1ec7n t\u1ea1i, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p ph\u00ed b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n, \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp b\u1eb1ng vi\u1ec7c gi\u1ea3m t\u1ea7n su\u1ea5t \u0111i l\u1ea1i v\u00e0 tai n\u1ea1n. <\/p>\n\n

V\u00ed d\u1ee5, T\u1eadp \u0111o\u00e0n B\u1ea3o hi\u1ec3m An to\u00e0n<\/a> \u0111\u00e3 c\u00f4ng b\u1ed1 kho\u1ea3n t\u00edn d\u1ee5ng 15% \u0111\u1ed1i v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng cho kh\u00e1ch h\u00e0ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0o th\u00e1ng T\u01b0 v\u00e0 th\u00e1ng N\u0103m.\nCh\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Allstate Tom Wilson<\/a> \u0111\u00e3 c\u00f4ng b\u1ed1 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh t\u01b0\u01a1ng t\u1ef1, tr\u00edch d\u1eabn “s\u1ef1 s\u1ee5t gi\u1ea3m ch\u01b0a t\u1eebng c\u00f3 trong vi\u1ec7c l\u00e1i xe”. <\/p>\n\n

S\u1ef1 s\u1ee5t gi\u1ea3m l\u00e1i xe \u0111\u00e3 c\u00f3 t\u00e1c \u0111\u1ed9ng s\u00e2u s\u1eafc \u0111\u1ebfn c\u00e1c con \u0111\u01b0\u1eddng c\u1ee7a M\u1ef9.\nCh\u1eb3ng h\u1ea1n, ch\u1ec9 m\u1ed9t tu\u1ea7n sau khi c\u00e1c ch\u00ednh s\u00e1ch l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0 b\u1eaft bu\u1ed9c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1edf V\u00f9ng V\u1ecbnh, t\u1ed1c \u0111\u1ed9 \u0111i l\u00e0m trung b\u00ecnh \u0111\u00e3 t\u0103ng 30% trong gi\u1edd cao \u0111i\u1ec3m bu\u1ed5i s\u00e1ng v\u00e0 bu\u1ed5i t\u1ed1i, Trevor Reed<\/a> t\u1ea1i Inrix, m\u1ed9t nh\u00e0 cung c\u1ea5p ph\u00e2n t\u00edch cho c\u00e1c d\u1ecbch v\u1ee5 xe h\u01a1i v\u00e0 v\u1eadn chuy\u1ec3n \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i.\n\u00cdt xe h\u01a1n tr\u00ean \u0111\u01b0\u1eddng c\u00f3 ngh\u0129a l\u00e0 \u0111i l\u1ea1i nhanh h\u01a1n, c\u0169ng nh\u01b0 \u00edt c\u01a1 h\u1ed9i tai n\u1ea1n h\u01a1n. <\/p>\n\n

Ng\u01b0\u1eddi l\u00e1i xe c\u00e0ng \u0111i l\u00e2u m\u00e0 kh\u00f4ng c\u1ea7n ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a h\u1ecd, c\u00e0ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng nhi\u1ec1u ng\u01b0\u1eddi trong s\u1ed1 h\u1ecd s\u1ebd ngh\u1ec9 h\u01b0u ho\u00e0n to\u00e0n nh\u1eefng chi\u1ebfc xe \u0111\u00f3, thay v\u00e0o \u0111\u00f3 d\u1ef1a v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 chia s\u1ebb chuy\u1ebfn \u0111i ho\u1eb7c cho thu\u00ea ng\u1eafn h\u1ea1n \u00f4 t\u00f4, xe \u0111\u1ea1p ho\u1eb7c xe tay ga.\nB\u1eb1ng c\u00e1ch c\u1ea3nh gi\u00e1c v\u1edbi nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nhau \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nhu c\u1ea7u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb t\u1ed1t h\u01a1n cho nh\u1eefng thay \u0111\u1ed5i s\u1eafp t\u1edbi v\u00e0 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng trung th\u00e0nh. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: daisydaisy\/\u00a9123RF.com, maridav\/\u00a9123RF.com, ammentorp\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ngay c\u1ea3 tr\u01b0\u1edbc khi coronavirus l\u00e0m \u0111\u1ea3o l\u1ed9n cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y, tin t\u1ee9c v\u1ec1 s\u1ef1 suy tho\u00e1i trong ng\u00e0nh b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 \u00f4 t\u00f4 \u0111\u00e3 xu\u1ea5t hi\u1ec7n. V\u00ed d\u1ee5, trong m\u1ed9t b\u00e0i b\u00e1o v\u00e0o th\u00e1ng 5\/2019, Brian Collie v\u00e0 c\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i BCG d\u1ef1 \u0111o\u00e1n r\u1eb1ng ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4 […]<\/p>\n","protected":false},"featured_media":8405,"template":"","insight-category":[],"class_list":["post-20675","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20675","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\/8405"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20675"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}