Ready to give advice Understanding of insurance If there is an accident, it cannot be reimbursed from anyone else. Victims Compensation Fund Ready by your side Dr. Suthipon Thaweechai Kan Secretary-General of Insurance Business Regulatory and Promotion Commission (OIC Secretary-General)
Assigned Mr. Chanapol Mahawong, Deputy Secretary General for Legal Affairs and Protection of Benefits, to open the event
“Safe Driving with Peace of Mind” on 23 December 2020 at the Lower Northern Cultural Center, Wang Chan.
River View Pibulsongkram Rajabhat University Phitsanulok Province With the release of a motorcycle caravan
There are more than 100 vehicles with seminars and seminars, with representatives of the regional / provincial OIC office and representatives of the Disaster Recovery Fund For insurance volunteers People in the area Who attended a total of more than 300 people
To campaign for public relations and to create knowledge and understanding for the public to realize the importance of compulsory car insurance or the Compulsory Insurance Act and the role and mission of the Victims Compensation Fund
With Mr. Ronachai Jitwiset, Phitsanulok Provincial Governor To honor the president of the ceremony
Mr. Chanapol Mahawong, Deputy Secretary General for Legal Affairs and Benefits Protection Office of Insurance Commission and Promotion (Deputy Secretary-General of OIC) disclosed that the insurance under the Accident Victims Protection Act. Commonly known as Compulsory car insurance Or the Insurance Act is a law that compels all vehicles to have an insurance Act to provide protection for all people who suffer from a car. Whether it is a driver, passenger, pedestrian, as well as the descendant of the victim. To get medical treatment promptly In case of injury Or receive funeral fees In the event of death or compensation in the event of loss of organs or permanent disability
Therefore, if there is a vehicle that violates the insurance policy, the law sets a penalty. For the car owner or the car leader to use Realized the importance of the insurance Act as follows
Car owners who violate the insurance Act are subject to a fine not exceeding 10,000 baht.
Users of an uninsured vehicle with a fine not exceeding 10,000 baht.
And in the event that the owner of the vehicle violates the Insurance Act and has used that car Will be guilty of both counts, with a fine not exceeding 20,000 baht
For coverage of the Insurance Act, it is divided into 2 parts:
- Basic damages It is a payment without proof of right and wrong. To all victims of the vehicle within 7 days from the date of receiving complete documents, paid as
1.1 Actual medical expenses not exceeding 30,000 baht per person.
1.2 Funeral expenses or compensation for loss of organs 35,000 baht per person
If injured, later death or dismemberment Will receive a maximum not exceeding 65,000 baht per person
2. Compensation (Excess damages, preliminary damages) paid to the victims of the car that did not cause damage Which has to be proven right and wrong by paying
2.1 In case of injury, the maximum coverage under the Act will not exceed 80,000 baht (including the initial damage).
2.2 In case of permanent loss of organs or disability Will receive insurance coverage from 200,000 baht – 500,000 baht, as the case may be (including preliminary damages)
2.3 In the event of death or total permanent disability Will receive insurance coverage of up to 500,000 baht (including preliminary damages)
By the compulsory insurance premium for 1 year motorcycle coverage Starting at only 161.57 baht and cars starting at 645.27 baht only.
However There are instances where vehicle victims cannot make a claim. “Preliminary damages” from where the Car Accident Victims Protection Act 2535 was set to be established. “Disaster Compensation Fund”
To fund the initial compensation to the victims of the vehicle in 6 cases: 1) In the event that the vehicle that causes damage to the victim does not have insurance as required by law And the car owner fails to pay preliminary damages or incomplete preliminary damages 2) the car that caused the damage was not in the possession of the car owner at the time of the accident Because of embezzlement, fraud, extortion, burglary, robbery or robbery And a complaint has been made to the investigation officer. 3) In the case that the car does not have a person who owns the car and does not provide insurance as required by law. 4) In the case of being hit and run Or may not know whether the damage was caused by any vehicle. 5) In the event that the company does not pay the initial damages to the victim or pay the initial damages to the victim in full or Cars that are exempt by law
When the Victims Compensation Fund has paid the initial damages to the victims of the car accident Victims Compensation Fund Has the duty to follow up to claim the initial damages plus an additional 20 percent of the money.
Paid back from the owner of the car, the company or the next offender
According to statistics, it was found that The Victims Compensation Fund has paid an average annual compensation of more than 140 million baht and it tends to increase every year. This reflects that there are a lot of vehicles that do not provide insurance. The Act makes the victims of the car lose a lot of benefits that are derived from the Insurance Act.
In which the event also organized discussions to exchange learning experiences. On the subject matter “Benefits of the Insurance Act and the Roles and Responsibilities of the Victims Compensation Fund” including the booth staff who give advice on the Insurance Act. By taking into account the safety and strictly adhering to the disease prevention measures prescribed by the government to prevent the spread of COVID 19 in accordance with the order of the Center for the Epidemic Situation of Coronavirus 2019
And this period begins to enter the New Year’s Eve festival and welcome the new year Which is a time when accidents happen frequently
I would like to present to the public that the car should be used with caution. Especially the traffic route Unfamiliar To reduce the risk of loss that will occur. And regularly check the vehicle condition As well as check
The expiration date of compulsory car insurance policies (Compulsory Insurance) as required by law And should make a voluntary auto insurance policy And other insurance such as life insurance Accident insurance, etc.
So that the insurance system can help manage risks and heal various losses. That can happen effectively. If you want to inquire about insurance. You can inquire at
OIC 1186 hotline, ”said the deputy secretary-general of the OIC.
–
