Knowledge about the car insurance in Thailand

DEPARTMENT OF TRADE He split the insurance is issued.

Car insurance compulsory.
Car insurance voluntary sector.
Car insurance compulsory.
The details are as follows:
Compulsory car insurance (Compulsory Motor Insurance) refers to the type of car insurance law, car owners who use or have a car to use. Must provide insurance for the damage. Victims by insurance companies with reinsurance law that allowed the assembly. Types of car insurance business. The government is intent to make the protection of life. Body of people affected is significant.

Type vehicles to Act
Car insurance by Act to include all types of vehicles of all types of cars under the law. Law of the Land Transport. Law of the military vehicle owners are using or have used it. Whether it will go by car is the engine power or other energy, such as automobile, motorcycle, Motor tricycle vehicle passenger locomotive tow truck trailer car steamroller, but e etc.
Therefore, the Department of Transportation vehicle for certain types of land are not registered. If a car is that engine power is with walking or other energy. Arranged for a car to the insurance Act

Cars do not have insurance Act
1 car only for the king his heir apparent and regent
2 Car palaces of the Bureau of Registration And the Secretary-General has formally palaces.
3 Car departmental Department of the Ministry of Government and various military vehicle.
4-car unit of the administrative organization established by the Constitution. Administrative agencies and independent of any organization listed in the Constitution.

Who are responsible for the Act guarantees
1st victims of car, including People from all the affected vehicles. Whether the driver. Passengers pedestrian If it is damaged for life due to physical health caused by car accidents. Will be protected by this Act.
2, heirs of victims above. Case victims died.

Replacement of the affected funds.
Replacement of the affected funds. Established Victims Protection Act of 2535 The car is responsible to pay damages to victims initially. If victims do not receive a refund from the insurance company. Or car owner that does not provide insurance. Or can not be called from anywhere and then escape as car accident or car owner that does not provide insurance do not pay damages, etc. The damage is paid to basic medical treatment cases injured as $ 15,000 less than actual treatment. and cremation costs $ 35,000 the number of death cases, but if victim was injured and later died later. Victims of death will be treated as medical treatment does not exceed actual costs and $ 15,000 $ 35,000 including the number of cremation, not exceeding a total of $ 50,000 initial filing obtain damages from the Fund. Victims or heirs must be filed within 180 days from the date the damage occurred.

You can learn more from http://www.doi.go.th/opmv/index.html.


Car insurance voluntary sector.
Car insurance is not a law enforcement. Depends on the satisfaction of the insured risk and the idea that they will spread out the risk to others is the insurance company assurer The insured can choose the protection assured by the desire The insurance company will issue insurance provided as evidence. The protection of the conditions and exceptions to the Registrar approval

Voluntary automobile insurance sector is divided into 3 main categories:

Insurance type 1 (Comprehensive) The Company will pay ค่าสินไหมทดแทน:

o protect the person liable to life outside the body. As well as passengers in car insurance.

o liability protection to property of third parties.

o damage the protected vehicle.

o fire protection and loss of the vehicle.

Only 2 types of insurance protection for third party liability. And loss of the car and fire by the 1, 2 and 4).

3 types of insurance protection only liable to third parties by the 1 and 2).