Insurance company only want to pay 50% of the claim

[advancebooking]

Im trying to help my mother in law. She had a crash and the car is getting fixed. The repair shop said that the ins company will only pay 50%. 

 

If we try reading the docs and still disagree with this where do we complain to?

 

https://www.tgia.org/motor/index-TH_9

 

I saw this website but no section on complaints

 

What should we do in this situation

thanks

 

 

[CharlieH]

Whats the value of the car and whats the value of the repair ?

 

Who authorised the repair ? who advised her she has to pay more, the Insurance company or the car repair shop?

 

[Etaoin Shrdlu]

The OIC is the place to lodge formal complaints against an insurance company.

 

https://www.oic.or.th/en/complaint

 

But before you take up a complaint against an insurer with the OIC, make sure you're on solid ground.

 

CharlieH's post above is relevant.

[advancebooking]

1 hour ago, CharlieH said:

Whats the value of the car and whats the value of the repair ?

 

Who authorised the repair ? who advised her she has to pay more, the Insurance company or the car repair shop?

 

its not an old car. I think 2 yrs old

 

the car repair shop said. Actually they take 8 months so far and not finished. 

[Etaoin Shrdlu]

26 minutes ago, advancebooking said:

its not an old car. I think 2 yrs old

 

the car repair shop said. Actually they take 8 months so far and not finished. 

 

Eight months to fix a car? I'm not sure the problem lies with the insurer. Is it a low-volume make or model with few spare parts available?

 

Did the insurance company direct her to use that garage? Did it approve the repairs?

 

Is it being repaired at the dealer's garage and did she have the dealer's garage endorsement on the insurance policy?

 

What amount is the car insured for under the policy and what is the cost of the repairs? 

[NoDisplayName]

50 minutes ago, advancebooking said:

its not an old car. I think 2 yrs old

 

the car repair shop said. Actually they take 8 months so far and not finished. 

 

Did she happen to get an estimate (or two) and submit them to the insurance company for approval, before starting eight months of repairs?

[advancebooking]

1 hour ago, Etaoin Shrdlu said:

 

Eight months to fix a car? I'm not sure the problem lies with the insurer. Is it a low-volume make or model with few spare parts available?

 

Did the insurance company direct her to use that garage? Did it approve the repairs?

 

Is it being repaired at the dealer's garage and did she have the dealer's garage endorsement on the insurance policy?

 

What amount is the car insured for under the policy and what is the cost of the repairs? 

We went around there today to the repair shop. Same excuses. We all got angry with them. They have a hundred old smashed up cars there....

 

unsure about the endorsement issue. Its been approved only pay 50%. We will take the ins docs to the shop where she purchased the insurance. 

[advancebooking]

1 hour ago, NoDisplayName said:

 

Did she happen to get an estimate (or two) and submit them to the insurance company for approval, before starting eight months of repairs?

no I think the car was taken to this big repair centre right after the crash

[NoDisplayName]

Why was the car taken to that specific location?

 

when you went by afterwards, before they started work, what did you agree to?

 

Did you just say, go ahead and fix it, and not get any details as to cost or time required?

 

What does the insurance policy state about repairs?

[Etaoin Shrdlu]

8 minutes ago, advancebooking said:

We went around there today to the repair shop. Same excuses. We all got angry with them. They have a hundred old smashed up cars there....

 

unsure about the endorsement issue. Its been approved only pay 50%. We will take the ins docs to the shop where she purchased the insurance. 

 

When the accident occurred, was the insurance company notified promptly and did she take the car to the garage that the insurance company specified?

 

Is the car being repaired at the dealer's garage? Did the insurance company authorize use of the dealer's garage in advance of the repairs?