What does the Motor Vehicle Act or Compulsory Motor Insurance cover?

Compulsory Motor Insurance or Compulsory Motor Insurance is something that every car owner must do to cover damages caused by unexpected accidents on the road. However, I believe that in addition to renewing the insurance every year, something that many car owners, especially new drivers, may not have known before is that we can claim compensation from the Compulsory Motor Insurance. This article will take everyone to see what the Compulsory Motor Insurance covers and how to claim compensation from the Compulsory Motor Insurance. Follow along.

What does the Compulsory Motor Insurance cover?

For anyone wondering what the Compulsory Motor Insurance covers and what can be claimed, we have summarized the coverage that you will receive from the Compulsory Motor Insurance.

Provides initial damage coverage without having to wait to prove guilt
Provides medical expenses from injuries up to 30,000 baht per person. Provides coverage in the event of death, loss of limbs, or permanent disability of 35,000 baht per person. In the event of both types of damage, the total coverage will not exceed 65,000 baht. In addition to these main coverages that we immediately receive, there are additional coverages that we will receive. After proving that we are not guilty by law, the details are as follows:

Coverage for excess damages and compensation After proving that we are not guilty
Coverage for medical expenses from injuries, up to 80,000 baht per person
Coverage for death or permanent disability, 300,000 baht per person
Coverage for loss of organs according to the criteria, up to 300,000 baht per person
Coverage for compensation for inpatient treatment, 200 baht per day, but not exceeding 20 days or not exceeding 4,000 baht
The total maximum coverage amount must not exceed 304,000 baht
Coverage for maximum liability per accident for cars with no more than 7 seats, 5,000,000 per incident
Coverage for maximum liability per accident for cars with more than 7 seats, 10,000,000 per incident

How to claim compensation from the Motor Vehicle Act? Easy-to-understand summary of documents required for claiming the Motor Vehicle Act

Required documents
Copy of ID card
Copy of house registration
Copy of the vehicle registration of the accident
Copy of the driver's license
Police report or daily record from the police officer
Copy of the compulsory motor insurance policy

Claim for injury
Copy of ID card
Medical receipt

Death claim
Copy of ID card
Death certificate
Copy of ID card and copy of the heir's house registration
Copy of the daily record of the investigator or evidence indicating death from a car accident

Disability claim
Copy of ID card
Medical certificate and certificate of disability
Copy of the daily record of the investigator or evidence indicating damage from a car accident

In the case of claiming for inpatient medical expenses
Copy of ID card
Medical certificate or certificate of inpatient treatment

It must be said that the benefit of having compulsory motor insurance is not only that we will be covered and can claim compensation from the compulsory motor insurance in the event of an unexpected event. But the compulsory motor insurance is also something that we need to do and must renew continuously every year because otherwise, we will not be able to pay the car tax. If we continue to use the car without paying taxes, it will be considered illegal, leading to fines and a chance of having the car suspended.

In addition to the good information about the Motor Vehicle Act that we have brought to you, if anyone is looking for a quality used car, you can choose to buy it at Auto Villa. We have a variety of used cars to choose from at affordable prices, whether it's a used car, Toyota, Honda, Mazda, and many others. Every car has been inspected with standards certified by Japan. Guaranteed no major collisions, cuts, flooding, or rollovers.

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Reference:

How many types of car insurance are there? How are they different?. Retrieved on May 17, 2024 from https://www.tgia.org/insurance/motor