Car insurance service
In Thailand, when we talk about “Compulsory Insurance,” we are usually referring to Por.Ror.Bor. (The Protection for Motor Vehicle Victims Act). This is a legal requirement for every vehicle registered with the Department of Land Transport. Here is a simple summary of the key points you should know:1. Who is covered?
The Por.Ror.Bor. does not cover vehicle damage. Instead, it covers “people” who are injured or lose their lives in a car accident. This includes:- The driver (whether they are at fault or not)
- Passengers
- Pedestrians
2. Coverage Limits (Updated)
Coverage is divided into two main parts:- Preliminary Compensation: (Paid immediately without waiting for proof of fault)
- Injury: Actual expenses up to 30,000 THB
- Death/Disability: 35,000 THB
- Additional Compensation: (Paid after being proven as the party not at fault)
- Medical Expenses: Up to 80,000 THB
- Death/Permanent Disability: 500,000 THB
- Daily Indemnity (Inpatient): 200 THB/day (up to 20 days)
3. Why is it necessary? (Besides the law)
- Tax Renewal: Without Por.Ror.Bor., you cannot renew your annual vehicle tax.
- Fines: If inspected by police and found without it, the fine can be up to 10,000 THB.
- Safety Net: It helps ease the burden of sudden medical expenses, which is crucial, especially in severe accidents.