Sorry I was wrong. And what's that adjective describing Mr Scotty?
Car Insurance Comparison
There are a number of insurance types you can get for your vehicle or motorcycle. Below is a detailed outline of each type.
Type 1
This is the most expensive and comprehensive type of insurance offered in Thailand. It should cover you from all accidents and problems. Also, it’s the only insurance type that covers an accident not involving a third party, such as hitting a wall, hitting a dog, getting a scratch, and so on.
In some cases you need to pay an excess and in other cases you don’t have to pay for it.
Type 1 insurance is normally available to a vehicle that is less than seven years old. However, it is still possible to get Type 1 insurance for an older car as long as it has a good record and history without major accidents involved.
Which suggests that it the car's fault for any accidents, not the owner/driver.