Car drivers tested with over 50 milligrame percent alcohol will not be covered by insurance

[snoop1130]

Car drivers tested with over 50 milligrame percent alcohol will not be covered by insurance

 

 

Drunk drivers are warned that they will not be covered by insurance if they are involved in road accidents in the near future.

 

Mr Sutthiphol Thaveechaikarn, secretary-general of the Office of Insurance Commission, disclosed on Tuesday that the commission would issue an announcement tentatively end of this week to exempt insurance coverage for automotive drivers who are found to have alcoholic content in their blood not exceeding 50 milligramme percent instead of not exceeding 150 milligramme percent.

 

Full Story: http://englishnews.thaipbs.or.th/car-drivers-tested-50-milligrame-percent-alcohol-will-not-covered-insurance/

 

-- © Copyright Thai PBS 2017-3-14

[trogers]

Does this ruling also apply to those driving without license and insurance?

[Bullie]

There are, of course, a few exceptions. Anyone driving a car over 3 million baht, or obviously Hi-So need only talk some gibberish, jump out of the car, en start meditating, occasionally calling out for Buddha.  This, apparently is sufficient to be redeemed, and allowed to be on their way.

No blood- or breathalizer test needed!

[taichiplanet]

its not as if drivers in an accident hang around to be tested anyway, they all flee the scene and really get caught with 24 hours; enough time for the levels to drop.

[Ralf61]

50 Milligram per cent?

 

see https://en.wikipedia.org/wiki/Milligram_per_cent

[edwinchester]

So if you're hit by a drunk driver you'll be forced to sue them in court to claim for any damages personal injury from now on?

I can understand the drunk driver being refused a claim for their own injuries/damages but to deny an innocent parties loss seems rather harsh.

[Don Mega]

7 hours ago, Ralf61 said:

50 Milligram per cent?

 

see https://en.wikipedia.org/wiki/Milligram_per_cent

.05

[stevenl]

So if you're hit by a drunk driver you'll be forced to sue them in court to claim for any damages personal injury from now on?
I can understand the drunk driver being refused a claim for their own injuries/damages but to deny an innocent parties loss seems rather harsh.

Standard in many countries is that the insurance company will pay the 3rd party, and go after the driver for the money. Probably this will not be the case here, since a proper 3rd party insurance is missing in many cases anyway and not compulsory. So it really won't be such a big change, the 3rd party will have to look after themselves.
So make sure you have comprehensive insurance.

sent using Tapatalk

[fruitman]

2 hours ago, stevenl said:

Standard in many countries is that the insurance company will pay the 3rd party, and go after the driver for the money. Probably this will not be the case here, since a proper 3rd party insurance is missing in many cases anyway and not compulsory. So it really won't be such a big change, the 3rd party will have to look after themselves.
So make sure you have comprehensive insurance.

sent using Tapatalk
 

My travelinsurance will do the same anyway, they also give me the free lawyers for sueing the one who caused an accident against me. 

 

So if the driver was not insured they will sue him to get the costs back for what they had to pay me.

 

It's about time Thailand grows up, you can't ask for insured quality tourists and not protect them by insurances.

[madmitch]

1 hour ago, fruitman said:

My travelinsurance will do the same anyway, they also give me the free lawyers for sueing the one who caused an accident against me. 

 

So if the driver was not insured they will sue him to get the costs back for what they had to pay me.

 

It's about time Thailand grows up, you can't ask for insured quality tourists and not protect them by insurances.

If you read your travel policy then you will probably find that any claim as a result of intake of alcohol or drugs is excluded, therefore, assuming you are referring to the original topic, you will not be covered if you are above the legal limit.

 

Also bear in mind that travel insurance is for tourists only. I assume you don't live here permanently. If you do you're on very dangerous ground relying upon travel insurance.

[maoro2013]

12 hours ago, Ralf61 said:

50 Milligram per cent?

 

see https://en.wikipedia.org/wiki/Milligram_per_cent

Yes I wondered about this too. After looking up your link, it is still unclear. The statement in the post, at its worst interpretation, may mean you can have 50/100 concentration.

[oxo1947]

So in the usual terms its .05 ......yes ???

Same as Oz--most of EU..etc

[fruitman]

14 minutes ago, madmitch said:

If you read your travel policy then you will probably find that any claim as a result of intake of alcohol or drugs is excluded, therefore, assuming you are referring to the original topic, you will not be covered if you are above the legal limit.

 

Also bear in mind that travel insurance is for tourists only. I assume you don't live here permanently. If you do you're on very dangerous ground relying upon travel insurance.

I was speaking about if a Thai driver (drunk or not) drives into me...My insurances will pay my hospitalbills and claim it back (by Thai lawyers) from the offender.

 

My insurances work worldwide, 365 days 24/7 no matter where i am or what i do. I don't have the average travelinsurance but an extended version of it.

 

This insurance costs about the same as an average travelinsurance but is much better for my lifestyle. It's worth the effort to check yours and maybe change to what i have...just search on the web for one like this.

 

 

[masuk]

15 hours ago, trogers said:

Does this ruling also apply to those driving without license and insurance?

The story says "car drivers".  I hope that's wrong and it includes ALL road users.

 

I can remember one time in Australia, when a magistrate fined a guy for driving his ride-on lawn mower on the highway, for being over 0.05.

[gk10002000]

12 hours ago, edwinchester said:

So if you're hit by a drunk driver you'll be forced to sue them in court to claim for any damages personal injury from now on?

I can understand the drunk driver being refused a claim for their own injuries/damages but to deny an innocent parties loss seems rather harsh.

yes, the policy or law or dictate or whatever it is called would seem to have some significant consequences.

[jaltsc]

"Drunk drivers are warned that they will not be covered by insurance if they are involved in road accidents in the near future."

 

Of course, a good pair of running shoes whisks them away from the crash in seconds. Then, the next day when they are sober, they claim that their car was stolen while they were asleep (Doesn't matter what time of day the crash occurs, they were always asleep). Blood Alcohol Level - Normal. Problem averted. 

[jaltsc]

15 hours ago, Bullie said:

There are, of course, a few exceptions. Anyone driving a car over 3 million baht, or obviously Hi-So need only talk some gibberish, jump out of the car, en start meditating, occasionally calling out for Buddha.  This, apparently is sufficient to be redeemed, and allowed to be on their way.

No blood- or breathalizer test needed!

And if that doesn't work. Carrying a battery operated set of electric hair clippers to shave ones head, and a set of saffron robes will automatically transform the drunken, irresponsible Hi-So into the second coming of Buddha. 

[TheMacMan]

This seems fair.... BUT.....

the insurance (if they even have it) should still be valid for third party damage and medical.

 

That way the drink-driver would lose out on their car/bike/medical as it is their own stupidity...

BUT..... innocent 3rd parties (other people/property) should still be covered by the insurance..... it is not their fault after all.

This would also cut down on police and court action and the only loser would be the drink-driver.

Make this change to the new legislation and law and Thailand would be making a big improvement that is good far all 

[modafinil]

1 hour ago, fruitman said:

I was speaking about if a Thai driver (drunk or not) drives into me...My insurances will pay my hospitalbills and claim it back (by Thai lawyers) from the offender.

 

My insurances work worldwide, 365 days 24/7 no matter where i am or what i do. I don't have the average travelinsurance but an extended version of it.

 

This insurance costs about the same as an average travelinsurance but is much better for my lifestyle. It's worth the effort to check yours and maybe change to what i have...just search on the web for one like this.

 

 

 

Your travel insurance is amazing. People living in the USA should cancel their expensive health insurance plans and buy your worldwide travel insurance that costs far less. It looks as if normal health insurance is for suckers. Could you specify the company and policy that you use so that I can sign up?

 

 

[Jonmarleesco]

By exempt, he obviously means deny. But if they're only covered for third-party, anyway, they're not going to be bothered -  though a then unprotected victim might not be too happy.

 

The obvious answer is zero tolerance, compel them to pay all third party damages, and take them to court for driving while uninsured. But TiT; that would involve too much work.

[khunPer]

4 hours ago, oxo1947 said:

So in the usual terms its .05 ......yes ???

Same as Oz--most of EU..etc

Yes, 0.50‰...

[Jonmarleesco]

4 hours ago, fruitman said:

I was speaking about if a Thai driver (drunk or not) drives into me...My insurances will pay my hospitalbills and claim it back (by Thai lawyers) from the offender.

 

My insurances work worldwide, 365 days 24/7 no matter where i am or what i do. I don't have the average travelinsurance but an extended version of it.

 

This insurance costs about the same as an average travelinsurance but is much better for my lifestyle. It's worth the effort to check yours and maybe change to what i have...just search on the web for one like this.

 

 

'...just search on the web for one like this.' I'd suggest you search through the small print. As an insurance practitioner, I find your policy's claimed terms just too good to be true.

[fruitman]

47 minutes ago, Jonmarleesco said:

'...just search on the web for one like this.' I'd suggest you search through the small print. As an insurance practitioner, I find your policy's claimed terms just too good to be true.

 

Ohh great, another one who knows it all....i have this insurance and found it after comparing loads of them. I asked them every question i had and it sounds like the perfect insurance for me...i can stay abroad in any country as long as i like and will always be covered. It's from a huge insurancecompany in W-europe.

 

 

[little mary sunshine]

Same in The West....in an accident and you have

been drinking your insurance is void.

[Ace of Pop]

Same in The West....in an accident and you have
been drinking your insurance is void.

The 3rd Party isn't,just your losses are void


Sent from my iPhone using Thaivisa Connect

[little mary sunshine]

6 minutes ago, Ace of Pop said:

The 3rd Party isn't,just your losses are void


Sent from my iPhone using Thaivisa Connect

I rent cars every 6 months in The States....All your 

insurance is void if drinking and over the DUI limits,

collision as well as liability!!

[Ace of Pop]

Just now, little mary sunshine said:

I rent cars every 6 months in The States....All your 

insurance is void if drinking and over the DUI limits,

collision as well as liability!!

So pray tell who pays the Victim with no insurance the drunks injured..?. 

[whatawonderfulday]

Of course and as over 60% of Thai drivers do not have a valid driving license anyway, I am sure they do not give 2 sniffs about this latest proposed edict.  It is estimated that less than 30% of drivers have actually completed and passed a formal driving test. The remainder ( that actually can produce some type of licences) has acquired it by spurious means. But of course there is a huge percentage who do not even bother, mainly youngsters on motorcycles.

[little mary sunshine]

3 minutes ago, Ace of Pop said:

So pray tell who pays the Victim with no insurance the drunks injured..?. 

In such a litigious society there are lawyers waiting

to take the case, the will sue you, take your house,car

garnish any future earnings until the debt is paid.

[Ace of Pop]

13 minutes ago, little mary sunshine said:

In such a litigious society there are lawyers waiting

to take the case, the will sue you, take your house,car

garnish any future earnings until the debt is paid.

Not an answer in the least. Just An opinion.A Bankrupt can hire a Car