What Is The Por La Bor Insurance For And What Does It Cover?

[pattayadingo]

As the topic says, what exactly is the Por La Bor (spelling?) insurance for a car and what does it cover, if anything?

[harrry]

Injury to other people (number depending on the policy and vehicle)

injury to driver

limits to about 100000 a person

limit without going to court 10500

I received the 10500 when I broke my fingers on the motorbike, Needed police report and form hospital gave. It paid 10500baht maximum which coincidently was my hospital cost.

[pattayadingo]

Injury to other people (number depending on the policy and vehicle)

injury to driver

limits to about 100000 a person

limit without going to court 10500

I received the 10500 when I broke my fingers on the motorbike, Needed police report and form hospital gave. It paid 10500baht maximum which coincidently was my hospital cost.

So more for personal injury than vehicle damage in an accident.

Interesting to know.

Thanks for the reply, I don't suppose everyone knows or maybe even thinks about that basic insurance.

[pipo1000]

Indeed,I never knew it covered own injuries if in the wrong.

[BSJ]

So, that would be what is commonly know as 3rd class plus insurance?

[BSJ]

So, that would be what is commonly known as 3rd class plus insurance?

[harrry]

No it is 3rd class..not third class plus/

[stevenl]

So, that would be what is commonly known as 3rd class plus insurance?

Very, very basic 3rd class.

[Kwasaki]

http://www.isaaninsurance.com/th/information/car-insurance.html

http://www.e-insurethailand.com/motorbike_compulsory.htm

[pipo1000]

http://www.isaaninsu...-insurance.html

http://www.e-insuret..._compulsory.htm

From the links you posted it is clear that in contrast to what Harry posted, that the driver of the vehicle is not insured and this insurance is solely to cover the other party., which has always been my understanding also.

[Kwasaki]

http://www.isaaninsu...-insurance.html

http://www.e-insuret..._compulsory.htm

From the links you posted it is clear that in contrast to what Harry posted, that the driver of the vehicle is not insured and this insurance is solely to cover the other party., which has always been my understanding also.

I think it wasn't Harry's fault.

[harrry]

There is nothing in those links that excludes the driver. Where it says per person it means that driver and others. It is specifically stated on the policy in thai so before rejecting answers from people who know I suggest getting someone who can read thai to read a policy to you. The number of people covered however differs depending on the class of vehicle insured.

[stevenl]

So, that would be what is commonly known as 3rd class plus insurance?

Very, very basic 3rd class.

Sorry, meant very very basic 3rd party, not 3rd class.

[Tywais]

Sorry, meant very very basic 3rd party, not 3rd class.

Correct. It is 3rd party and not 3rd class. 3rd class is one of the voluntary insurance options.

[harrry]

Sorry, meant very very basic 3rd party, not 3rd class.

Correct. It is 3rd party and not 3rd class. 3rd class is one of the voluntary insurance options.

I think that is where the problem lies....each person has his own definition of third party depending on the country they come from. Pt is not 3rd Party it is Thai por ror bor. and differs in several ways from western 3rd party.

[pipo1000]

There is nothing in those links that excludes the driver. Where it says per person it means that driver and others. It is specifically stated on the policy in thai so before rejecting answers from people who know I suggest getting someone who can read thai to read a policy to you. The number of people covered however differs depending on the class of vehicle insured.

In the links that Kwasaki posted is clearly written Coverage : Third party liability.

Below is the general understanding of the description Third Party in insurrance terms.

http://www.bcinjuryl...ility-coverage/

The term Third Party refers to a person other than yourself (the “first party”) and your insurer (the “second party”). Depending on the situation, a third party could be another driver, a passenger in your vehicle or a bystander. If a third party is injured in an accident that you caused or contributed to then that third party can sue you for losses as described above.

Edited June 24, 2012 by pipo1000

[harrry]

There is nothing in those links that excludes the driver. Where it says per person it means that driver and others. It is specifically stated on the policy in thai so before rejecting answers from people who know I suggest getting someone who can read thai to read a policy to you. The number of people covered however differs depending on the class of vehicle insured.

In the links that Kwasaki posted is clearly written Coverage : Third party liability.

Below is the general understanding of the description Third Party in insurrance terms.

http://www.bcinjuryl...ility-coverage/

The term Third Party refers to a person other than yourself (the “first party”) and your insurer (the “second party”). Depending on the situation, a third party could be another driver, a passenger in your vehicle or a bystander. If a third party is injured in an accident that you caused or contributed to then that third party can sue you for losses as described above.

If you look at your source you may see it is in CANADA. It is worth remembering that this is not Canada it is THailand and that it is not 3rd party it is POR ROR BOR.

THe definitions used here are for road accident victims.. It is ensure drivers and riders cover the cost of road injuries. THe driver IS covered as I can personally attest from having been treated under this scheme at Suan DOrk Hospital.

I am atatching a quote from AA insurance which may give more information.

quote

Compulsory Motor 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 responsible for primary loss coverage only.

[pipo1000]

There is nothing in those links that excludes the driver. Where it says per person it means that driver and others. It is specifically stated on the policy in thai so before rejecting answers from people who know I suggest getting someone who can read thai to read a policy to you. The number of people covered however differs depending on the class of vehicle insured.

In the links that Kwasaki posted is clearly written Coverage : Third party liability.

Below is the general understanding of the description Third Party in insurrance terms.

http://www.bcinjuryl...ility-coverage/

The term Third Party refers to a person other than yourself (the “first party”) and your insurer (the “second party”). Depending on the situation, a third party could be another driver, a passenger in your vehicle or a bystander. If a third party is injured in an accident that you caused or contributed to then that third party can sue you for losses as described above.

If you look at your source you may see it is in CANADA. It is worth remembering that this is not Canada it is THailand and that it is not 3rd party it is POR ROR BOR.

THe definitions used here are for road accident victims.. It is ensure drivers and riders cover the cost of road injuries. THe driver IS covered as I can personally attest from having been treated under this scheme at Suan DOrk Hospital.

I am atatching a quote from AA insurance which may give more information.

quote

Compulsory Motor 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 responsible for primary loss coverage only.

In the quote you attached I see clearly mentioned road victim several times which my understanding means :

vic·tim

  <a onmousedown="spk(this,{lk:'nx1fkx',en:'wotdau',io:'0',b:'wotd',tp:'lrl',m:'wotdau'})" href="#"></a><a target="_blank" href="http://dictionary.reference.com/audio.html/lunaWAV/V01/V0115500"><img border="0" src="http://static.sfdict.com/dictstatic/g/d/speaker.gif"></a> /ˈvɪktɪm/ Show Spelled[vik-tim] Show IPA

noun

1.

a person who suffers from a destructive or injurious action or agency: a victim of an automobile accident.

2.

a person who is deceived or cheated, as by his or her own emotions or ignorance, by the dishonesty of others, or by some impersonal agency: a victim of misplaced confidence; the victim of a swindler; a victim of an optical illusion.

3.

a person or animal sacrificed or regarded as sacrificed: war victims.

4.

a living creature sacrificed in religious rites.

So one who is the cause of an accident can never be classified as a victim.

But to be sure that we are not talking about different things, in your case were you at fault or was the other party fault?

[harrry]

My accident wqas a single vehicle motorcycle accident. I skiddes and broke 2 fingers. I was admitted to Suan DOrk Hospital, diagnosed and operated on. On the morning vefore my operation I was visited by the representitive of PBR who is employed to see patients. He explained to my wife and I that I would be covered for the amount and got her to make a police report on my behalf as I was unable to. We did so and on discharge I was presented for a bill which gave the amount paid by them which was 10500 and 500 baht I had to pay as I needed a specialist anaesthetist. I paid the 500baht and went home. there were minor charges incurred in returning to get the dressing changed ( I think 50 baht a time.)

This is Thailand. EIther go to someone who knows such as tone of the insurance companies or go to a public hospital and check. Canadian books and dictionaries will not help much here.

[stevenl]

Harry, glad you had a positive experience, but your experience has unfortunately no bearing at all on the law or the insurance.

[harrry]

Anyway that is it for me.....If people want to rely on foreign texts and definitions good luck to them.

It is easy to find the truth direct from the companies but too many people are too challenged to do that i GUESS.

Pattayadingo you have your answer if you need more info pm me.

Edited June 24, 2012 by harrry

[Kwasaki]

Harry, glad you had a positive experience, but your experience has unfortunately no bearing at all on the law or the insurance.

Third party is an insurance policy purchased for protection against the actions of another party.

Third party insurance is purchased by the insured ( first party ) from an insurance company.

The insurance company is the ( second party ).

The insurance company in turn is protection against another party's claims the ( third party ).

As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.

That's why you can get, and wise to do so, get additional insurance because the named vehicle owner is liable, I think.

I found this an interesting read last year.

Edited June 26, 2012 by Tywais
Link to other forum removed

[stevenl]

Harry, glad you had a positive experience, but your experience has unfortunately no bearing at all on the law or the insurance.

Third party is an insurance policy purchased for protection against the actions of another party.

Third party insurance is purchased by the insured ( first party ) from an insurance company.

The insurance company is the ( second party ).

The insurance company in turn is protection against another party's claims the ( third party ).

As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.

That's why you can get, and wise to do so, get additional insurance because the named vehicle owner is liable, I think.

I found this an interesting read last year.

Yes, and what is the connection to my quote?

BTW, you mention 'As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.'. The limitation you mention is only applicable to the compulsory 3rd party insurance. You can buy additional 3rd party insurance which will cover vehicle or property damage.

Edited June 26, 2012 by Tywais
Link to other forum removed

[Kwasaki]

Harry, glad you had a positive experience, but your experience has unfortunately no bearing at all on the law or the insurance.

Third party is an insurance policy purchased for protection against the actions of another party.

Third party insurance is purchased by the insured ( first party ) from an insurance company.

The insurance company is the ( second party ).

The insurance company in turn is protection against another party's claims the ( third party ).

As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.

That's why you can get, and wise to do so, get additional insurance because the named vehicle owner is liable, I think.

I found this an interesting read last year.

Yes, and what is the connection to my quote?

BTW, you mention 'As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.'. The limitation you mention is only applicable to the compulsory 3rd party insurance. You can buy additional 3rd party insurance which will cover vehicle or property damage.

Well maybe I'm drawing you out to give the OP an answer as I believe you know a lot about insurance.

So please explain why no bearing on Thai law & compulsory insurance in regard to harrrys third party claim.

[harrry]

Harry, glad you had a positive experience, but your experience has unfortunately no bearing at all on the law or the insurance.

Third party is an insurance policy purchased for protection against the actions of another party.

Third party insurance is purchased by the insured ( first party ) from an insurance company.

The insurance company is the ( second party ).

The insurance company in turn is protection against another party's claims the ( third party ).

As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.

That's why you can get, and wise to do so, get additional insurance because the named vehicle owner is liable, I think.

I found this an interesting read last year.

Yes, and what is the connection to my quote?

BTW, you mention 'As I see it the confusion with farangies is there's a big differents from say UK third party insurance and Thailand, i.e. it does not cover vehicle or property damage.'. The limitation you mention is only applicable to the compulsory 3rd party insurance. You can buy additional 3rd party insurance which will cover vehicle or property damage.

Well maybe I'm drawing you out to give the OP an answer as I believe you know a lot about insurance.

So please explain why no bearing on Thai law & compulsory insurance in regard to harrrys third party claim.

First my claim was not a claim on third party but on PorRorBor.

[TommoPhysicist]

I think Harry is correct.

PorRorBor pays out minimal hospital fees for everyone.

Trying to connect a definition for insurance from another country seldom makes sense.

For example.

In Thailand insurance applies to the vehicle, in the UK insurance applies to the driver.

[stevenl]

Well maybe I'm drawing you out to give the OP an answer as I believe you know a lot about insurance.

So please explain why no bearing on Thai law & compulsory insurance in regard to harrrys third party claim.

Sorry, that is not possible. Harry may claim to have a Pororbor insurance claim for a 1st party claim, but since that insurance is purely 3rd party it is not possible to explain.

So the Op's question has been answered already. Pororbor is a very, very basic 3rd party insurance.

Edited June 26, 2012 by stevenl

[prakhonchai nick]

Scenario... Accident involving motorbike and truck. - truck driver at fault. 3rd party insurance

Woman passenger on motorbike loses her 8 month unborn son as a result of accident.

Any death benefits payable?

[stevenl]

Scenario... Accident involving motorbike and truck. - truck driver at fault. 3rd party insurance

Woman passenger on motorbike loses her 8 month unborn son as a result of accident.

Any death benefits payable?

Impossible to answer without knowing the 3rd party insurance of the truck, but probably not.

[BSJ]

How I SEE it is 'PorRorBor' is what you pay before you can get your road tax label and the 3rd party + is what you get from the girl opposite LTD in the row of insurance offices and rego agents.

PS: I am referring to Pattaya. It may be different where you live.

Edited December 26, 2012 by BSJ