How to claim when the car accident occurs in Thailand
When you are in a car accident, the first thing that comes to mind is how to make a claim on the car insurance that you acquired. However, before you can file a claim with the insurance, you must pay the initial premium to assure that the insurer will protect you no matter what happens. According to Thai law, all drivers must have Compulsory Motor Insurance. However, Voluntary Motor Insurance is not enforced, so you are on your own. Many Thai drivers do not have Voluntary Motor Insurance, which results in a lack of coverage when the automobile is damaged because Compulsory Motor Insurance only covers your life or bodily injury when the car accident happens. There are two types of car crashes including having a third party, and without any third party. I would propose the following steps to obtain a claim from the insurance that you purchased when you were involved in a car accident in Thailand:
1. Calling the roadside assistance
It is the first thing you must do because if you do not contact or notify the agent to give roadside assistance, you may be unfavorable. Having your own agent to negotiate the claim with the third party agent is advantageous and convenient for you since the agent may be familiar with the claim’s conditions. Furthermore, the agent will come to your location to investigate the problem and photograph all of the damage to your vehicle for use as proof in the claim procedure. Following that, the agent will complete the claim form, which will specify all damages.
2. Going to the dealer or local garage
You can go to the garage to repair your automobile after receiving the car insurance claim form from the insurer or agent. Your dealer garage will estimate the repair cost, and the insurer will cover the expenses. However, the expenditures estimated by the garage must be reasonable and based on the damages specified in the claim form. Other damages not related to car accidents are not covered, which means you must pay for them yourself, such as changing the brake light, tires, and etc.
These are the processes to submit a claim to the insurance company. You must get the automobile repaired at the garage within 15 days after receiving the claim form. If you intend to buy a car to drive in Thailand, I strongly advise you to purchase car insurance in Thailand as well as Type 1 Voluntary Motor Insurance through Rabbit Care because it covers all damages, third-party liability, car theft, catastrophe loss, particularly fire, and others that are extremely valuable to you. You may also look up the insurance premium further on our website in a few minutes by specifying the vehicle brand, the purpose of using the automobile, country car registration numbers, and other criteria. The system may then provide you a worthwhile insurance plan at a reasonable price. If you are preferred for that plan, Rabbit Care offers a variety of payment options, including cash, cashier’s check, VISA or debit card, ATM, or pay-in slip, all of which are very convenient for you. Although you have not had the coverage but have paid the initial premium, every accident that occurs before getting the policy is covered.