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Posted

Why is it necessary to have to purchase mandatory  basic insurance 645 baht when the vehicle already enjoys class 1 insurance, or am I being scammed at the annual test /road tax renewal?

Posted

Because it's the law.

 

Class 1 covering your vehicle & occupants is optional for your protection.  If you pay extra to extend coverage to others, that's also 'your' option.

Posted
34 minutes ago, KhunLA said:

Because it's the law.

 

Class 1 covering your vehicle & occupants is optional for your protection.  If you pay extra to extend coverage to others, that's also 'your' option.

Understood, but my class 1 way exceeds the basic compulsory, in the event of a bump who pays out the state compulsory or the purchased additional option?

Posted

in case of injuries, your first class insurance would ask the party to make a claim from the mandatory insurance first, then anything above that they pay on top, so it's not like it don't get used

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