Does car insurance cover for vandalism?

[villageidiotY2K]

Hello there, im curious to know if ur car gets deep scratched with a screwdriver, tyres punctured, does the car insurance covers for them repairs?

For 2+ class insurance from roojai.

Any info would be swell.

 

[CharlieH]

Motor Forum

 

MOVED

[scubascuba3]

Check the policy doc, I'd expect 1st class to cover it, not sure about 2nd

[Sandboxer]

Street dog scratched my door with his claws. 1st class insurance didn't give AF.

 

TiT

 

 

[Liverpool Lou]

A few years ago Viriyah Insurance paid for keying damage on my car so best to call your broker/insurer and ask them.  

[Liverpool Lou]

8 minutes ago, Sandboxer said:

Street dog scratched my door with his claws. 1st class insurance didn't give AF.

Which company?

[Sandboxer]

14 minutes ago, Liverpool Lou said:

Which company?

 

One of the top 3 that sort of rhymes with vagina

[Liverpool Lou]

47 minutes ago, Sandboxer said:

1 hour ago, Liverpool Lou said:

Which company?

 

One of the top 3 that sort of rhymes with vagina

Can't think of any going by that description, what's the big secret? 

[Sandboxer]

34 minutes ago, Liverpool Lou said:

what's the big secret? 

When you live in a country that discourages free speech where even airlines sue passengers for posting opinions on Facebook, one learns to not directly name and shame the offending parties specifically if one has half a brain.

Edited October 15 by Sandboxer

[Liverpool Lou]

4 hours ago, Sandboxer said:

4 hours ago, Liverpool Lou said:

what's the big secret? 

When you live in a country that discourages free speech where even airlines sue passengers for posting opinions on Facebook, one learns to not directly name and shame the offending parties specifically if one has half a brain.

Posting nothing more than that a specific insurer denied a car insurance claim is no big deal and will not get you sued, even if one "does have half a brain" or thinks that the insurer's name rhymes with 'vagina', something that none of them do .   Viriyah denied a claim of mine once.

[Srikcir]

15 hours ago, Sandboxer said:

When you live in a country that discourages free speech where even airlines sue passengers for posting opinions on Facebook, one learns to not directly name and shame the offending parties specifically if one has half a brain.

You can send a private message via Asean News. Click on your profile button, then choose message. Address to member profile name. Defamation in Thailand keys on public disclosure, ie., social media, in public settings.

Edited October 16 by Srikcir
revise

[ujayujay]

18 hours ago, Sandboxer said:

When you live in a country that discourages free speech where even airlines sue passengers for posting opinions on Facebook, one learns to not directly name and shame the offending parties specifically if one has half a brain.

OH my God

[Liverpool Lou]

3 hours ago, Srikcir said:

You can send a private message via Asean News. Click on your profile button, then choose message. Address to member profile name. Defamation in Thailand keys on public disclosure, ie., social media, in public settings.

The information I asked him for can also be posted on the forum for all members to read; a claim that a specific insurer once denied a claim is not defamation, insurers deny claims all the time, it is not big secret.

[villageidiotY2K]

so whats the answer yes or no, or anyone ever claimed for vandalimsm or u only got a moped or somthing

[wprime]

On 10/15/2024 at 2:54 PM, Sandboxer said:

Street dog scratched my door with his claws. 1st class insurance didn't give AF.

 

TiT

 

 

 

I had damage from a dog scratching my car (insurer actually said that's what happened), insurance covered it fully (Viriyah Insurance). I think it comes down to the insurer/policy.

 

[digbeth]

their terminology is that there are 'fresh claims' and 'dry claims'

 

fresh claims are claims are accidents that has other party and you call their agent to make a claim on the scene

 

dry claims are claims with no party like scratches agaisnt walls, posts or where the other party can't be found - this is usually covered only in 1st class

 

now it depends on how much does the + in your 2+ for second class plus includes, usually loss, fire and theft plus maybe extra injuries cover for you too - but stil require other party for damages

 

for dry claim often there are excess payable or a 'fee' for the agent ot be creative in writing up the claim to include pre-existing damage, say you are on the threshold of your last year that the insurance company will cover your old 10+ years old car under 1st class, after which they'll kick you down to 2nd class, you might ask the agent to come over to submit a dry claim to get a once-over new lick of paint for your delapidated old car, for a 'fee' as you actually haven't had an accident per se