I know that in order to get tax and use a vehicle here in Thailand you MUST have the minimum Government proscribed Compulsory Insurance. This I also understand covers the VEHICLE and not the driver.

 

Now, given that the vehicle is covered and that in theory it appears that anyone with a current valid license can drive that vehicle (legally?) What would the situation be say, if me as an owner of the vehicle then loaned it to another person who had a legal licence, but then had an accident, who would be liable to pay for any damage to a third party?

 

Would it fall on the driver of the vehicle at the time or would it be the responsibility of the actual owner?

 

I know the cops will impound your car after an accident until all is paid up, so who would need to foot the bill?

Wrong forum

 

MOVED to Motoring

If you allow someone to use your vehicle, without stipulating nor asking for them to insure it, you are in fact giving them the protection of your insurance by default.

 

Best advice, if you dont want to use your insurance tell them to get their own and you make a copy prior to leaving with the vehicle.

Then there is no argument, the driver and his insurance are liable.

3 minutes ago, CharlieH said:

If you allow someone to use your vehicle, without stipulating nor asking for them to insure it, you are in fact giving them the protection of your insurance by default.

 

Best advice, if you dont want to use your insurance tell them to get their own and you make a copy prior to leaving with the vehicle.

But Compulsory Insurance has no third party cover for damage, I am interested in who is liable for third party damage. Compulsory insurance only provides basic legal medical cover to third parties injured. It is the minimum allowed to get a vehicle on the road.

 

If I hit someones' car with my own and I was covered only by this insurance, the cops would probably impound my car until I paid for the other persons repairs.

 

The minimum insurance covers the VEHICLE and is legal (as far as I know) for anyone with a valid licence to drive. What I am interested in is what happens if someone else is driving your car legally and has an accident (their fault) - who would the cops come after to settle up the bill?

In that scenario I would say the driver of the vehicle. He is the person in charge of that vehicle and is responsible.

1 minute ago, CharlieH said:

In that scenario I would say the driver of the vehicle. He is the person in charge of that vehicle and is responsible.

That was what I too was hoping, however, T.I.T and I am no longer surprised at anything that goes on here. (The other thing being that if the driver has no money and you need your car......guess you will have to bite the bullet)

 

Thanks, I was just curious about what the law said.

Driver of the vehicle at the time not the registered keeper would be liable for the 3rd party damage.

Please dont take it as "law" its only an opinion.

 

As you say, TIT and what happens one place can be polar opposite elsewhere.

OP get further cover 2nd class minimum IMO and don't lend your motor unless you get 1st class cover.