Compulsory Motor Insurance

[dieter1]

I see these comments about consequences of driving without driving license and I think everyone should know, what the Compulsory Motor Insurance actually covers:

CTPL : Compulsory Insurance

In 1992, the Thai government has passed a law that required all vehicles in the Kingdom of Thailand to have an insurance coverage that covers the medical expense of road victims. The law was implemented in April 5, 1993. If an owner of a vehicle fails to have this insurance, he/she will face a fine of THB 10,000 – 50,000.

Coverage of Compulsory Motor Insurance

The compulsory motor insurance only covers bodily injury of the road victims. The property damage is not included. The coverage is divided as followed:

1. Primary Loss

1.1 If the road victim receives a bodily injury, the insurer is subjected to pay for the actual medical expense of the road victim but not exceeding THB 15,000

1.2 If the road victim has lost his/her life, the insurer is subjected to pay the total of THB 15,000 for person.

1.3 If the road victim has received a medical treatment and lost his/her life at a latter stage, the insurer is subjected to pay accordingly to clause 1.1 and 1.2.

2. Loss that exceeds the primary loss

2.1 The insurer is subjected to pay for the excess amount from the primary loss for a bodily injury case but not more than THB 50,000 per person.

2.2 The insurer is subjected to pay for the excess amount from the primary loss for a loss of life case but not more than THB 80,000 per person.

Summary of the Compulsory Motor Insurance coverage

1. Bodily injury maximum THB 50,000/ person

2. Dismemberment maximum THB 80,000/ person

3. Loss of life maximum THB 80,000/ person

Maximum coverage per case

1. Vehicle with less than 7 seats maximum THB 5,000,000/ case

2. Vehicle with more than 7 seats maximum THB 10,000,000/ case

Note : If it is proven that the driver is at fault, the insurer will only be responsible for primary loss coverage..

http://freebeerforyorky.com/insurance.html

So (as far as I understand) :maximum 15.000 Baht for actual medical expense of the road victim !!!!!!!!!!

This figure is just a joke (it´s just a joke to have a limit for the medical treatment of the victim !) and I would say, that if a "farlang" is involved and if someone gets seriously hurt, the farlang would have to pay from his own pocket - in any case- because the coverage from insurance wouldnt be enough. Or in other words: To lose the coverage from insurance would just mean to pay some 15000 Baht more ! Not a real nightmare !

And not to forget this one:

"If it is proven that the driver is at fault, the insurer will only be responsible for primary loss coverage"

What does this mean ? Does this mean, they will never pay beyond primary loss?

Because I would expect, you wouldnt be responsible to pay, if it´s not your fault !?

Or is this just farlan logic and thai logic is different ?

Can someone explain ?

"3. Loss of life maximum THB 80,000/ person"

80000 Baht maximum for a life ! That´s cheap !

[longball53098]

Hence the reason to carry 1st class insurance on cars and bikes with good bail bond coverage

[monty]

And if you don't want 1st class insurance (not bothered about your vehicle, or it's over 10 years old), you can get proper extended insurance (think they call it 2nd class) which still includes the bail bond and the much higher insured levels on injuries and 3th party damage.

And this is a fair bit cheaper then what we would pay in the West!

[ThaivisaInsurance]

2nd Class cover is Third Party insurance but also includes Fire and Theft - the Theft section is obviously very important to all motorcyclwe owners ! Note all voluntary insurance cover carries Bail Bond and a minimum of 200,000 Baht should be the figure.

As dieter1 pointed out - do not rely on the CTPL, as should you have problem you will regret it.

Please see Here for details and links to the Thai Visa quotation page.

[Lite Beer]

Moved to Insurance