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Steps

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Motor

Insurance

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Miscellaneous

Insurance

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Accident & Health

Insurance

scb_icon-claims-motor

Motor
Claim 

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Steps
The insured is required to immediately report the accident to the insurer and provide the following brief information
Details
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Steps
The insured is required to immediately report the accident to the insurer and provide the following brief information :
  • Name of the insured and/or policy number
  • License plate number, make and color of the vehicle
  • Driver’s name and phone number
  • Brief description of the accident and damage
  • Location of the accident and landmark and meeting point

After notifying, please proceed as advised by the insurer’s claim personnel.


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Caused by Other Party’s Negligence
For Voluntary Motor Insurance
Details
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Caused by Other Party’s Negligence
For Voluntary Motor Insurance

If the other party’s Motor Insurer cannot be contacted at time of accident , please note down the name of the Insurance Company, Policy number and Expiry Date of the party at fault and take the following steps:

  • Have the party at fault issue a note of negligence admittance and acquire a copy of motor registration paper. If not available, note down the make, model, plate number of the vehicle, driver’s name, address and phone number.
  • Obtain the party at fault’s driver license or ID card with a written  note by her/him consenting to giving up as evidence of the fault.
  • Report the incident to the locale police station and obtain a copy of police report copy.
  • Immediately contact us for assistance with any difficulty.

If the Party at fault does not hold any Motor Insurance,  take the following steps

  • Have the party at fault issue a note of negligence admittance and obtain a copy of motor registration paper. If not available, note down the make, model , plate number of the vehicle, driver’s name, address and phone number.
  • Obtain the party at fault’s driver license or ID card with a written note by her/him consenting to giving up as evidence to the fault.
  • Report the incident to the locale police station and obtain a police report copy.
  • Immediately contact us for assistance with any difficulty.

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Caused by Insured’s Negligence
For Voluntary Motor Insurance
Details
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Caused by Insured’s Negligence
For Voluntary Motor Insurance

If the other party is holding a type 1,2 or 3 etc. Motor Insurance with Accident Acknowledgement Form (Knock for Knock form – white form attached to the policy) available,

  • Exchange such forms  and take steps described on form.

If the other party either has no motor insurance or  the Accident Acknowledgement Form take the following steps :

  • Bring both vehicles to the insurance companies as soon as practicable. If possible, take picture of the accident.
  • If police is involved and alleges that the Insured is negligent, ask the other party to obtain a copy of police report and bring the damaged vehicle to us.
  • If no police is involved, Insured may issue a note of negligence admittance to the other party

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Accident Proof Form Sticker
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Jointly Negligence
For Voluntary Motor Insurance
Details
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Jointly Negligence
For Voluntary Motor Insurance

If the other party is holding a type 1,2 or 3 etc. Motor Insurance with Accident Acknowledgement Form available,

  • Exchange such forms and take steps described on the form given.

If the other party is neither holding any Motor Insurance nor Accident Acknowledgement Form, take the following steps:

  • If police is involved and alleges joint negligence as the cause, obtain a copy of police report and  contact us with damaged vehicle.
  • If no police involvement, make a written note of joint negligence and exchange the note as evidence.
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Disputable accident
For Voluntary Motor Insurance
Details
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Disputable accident
For Voluntary Motor Insurance

Immediately report the accident to the local police and take the following steps:

  • Do not move the vehicle before the police arrives at the scene of accident;
  • If movement is necessary, take pictures of the scene of accident from various angles for police to determine fault.
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In case of injury
For Voluntary Motor Insurance
Details
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In case of injury
For Voluntary Motor Insurance
  • Immediately take the injured person(s) to the nearest hospital or medical clinic for first aids . If the vehicle is insured under Compulsory Motor Insurance, present the policy copy to the hospital; most hospitals will provide the injured with primary treatment without your advance payment for the medical expenses. Where  advance payment is required, insurance company will reimburse you up to the underlying limit of liability as stated in the policy.
  • Immediately notify us.

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Detained vehicle
For Voluntary Motor Insurance
Details
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Detained vehicle
For Voluntary Motor Insurance

If the vehicle is detained by police for inspection, remove all valuables and request police to inspect and list all non-removable items in his report.


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Missing Vehicle
For Voluntary Motor Insurance
Details
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Missing Vehicle
For Voluntary Motor Insurance
  • Call 1192 and report the incident.
  • Immediately report the incident to the Insurance Company.
  • Report to the locale police station and bring the following papers
    1. Vehicle registration:
    2. Power of attorney:
    3. Certified company’s affidavit:
    4. Duty certified ID card of the company’s authorized person;
    5. Vehicle key.

If the vehicle is on leasehold, please contact the financier company for the above papers.

  • If the vehicle is still missing after one month, contact the company for
  1. Original vehicle registration book, certified by authorized person with company seal
  2. Power of Attorney by authorized person with company seal
  3. Transfer of ownership form, duly signed by authorized person with company seal
  4. Certificate of company registration, duly signed by authorized person with company seal
  5. Copy of ID card or passport of authorized person, duly certified
  6. Vehicle key

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Bail Bond
For Voluntary Motor Insurance
Details
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Bail Bond
For Voluntary Motor Insurance

In the event that the driver is detained by  the police, the insurance company will post bail on behalf of the driver for amount not exceeding the limit of liability stated in the policy.

 


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Notable Fines
For Voluntary Motor Insurance
Details
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Notable Fines
For Voluntary Motor Insurance

Notable fines if you cause an accident

  • 400 up to 1,000 baht for accident results in Third Party’s property damage
  • Max. 1,000 baht fine, or max. 1 month imprisonment, or both for accident results in Third Party’s minor injury
  • Max. 6,000 baht fine, or max. 3 month imprisonment, or both for accident results in Third Party’s severe injury
  • Max. 20,000 baht fine, or max. 10 year imprisonment, or both for accident results in death of Third Party.

Additional fines in the event that the driver flees the scene of accident or fails to report the accident, :

  • Max. 5,000-20,000 baht fine
  • Max. 6 month imprisonment or both
  • The involved vehicle will be detained until the damages are settled.

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Compulsory Motor Insurance
Insurance coverage of the Motor Vehicle Accident Act from April 1, 2020.
Details
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Compulsory Motor Insurance
Insurance coverage of the Motor Vehicle Accident Act from April 1, 2020.

The Insurance Company shall pay, to the victims of the accident, for the loss of life or bodily injuries or hygienes which shall be legally borne by the driver of the insured vehicle.

  • For bodily injuries or hygiene, the company shall pay for incurred medical expenses but not exceeding 80,000 baht per person.
  • For loss of organs or permanent disabilities or totally permanent disabilities, the company shall Indemnify, as specified under insurance conditions, the victim for the amount of 200,000 up to 500,000 baht per person.
  • For loss of life, the compensation amount is 500,000 baht per person.
  • For hospitalization, the company shall compensate for the amount of 200 baht per day with the limit of 20 days.

The Insurance Company shall initially pay, within 7 days from the date of receipt of a claim, without proof of negligence as follows:

  • For bodily injuries, the company shall pay for the incurred medical expenses but not exceeding 30,000 baht per person.
  • For loss of organs or permanent disabilities, 35,000 baht per person.
  • For loss of life,  35,000 baht per person for funeral expenses.

Total initial compensation in all cases combined shall not exceed 65,000 baht per person.

Remarks : If the victim is the driver of the insured vehicle, the maximum combined compensation shall not exceed 65,000 baht as above.


(***Above are general insurance practice. Further information may be required.***)

Enquiry

For further assistance, please contact us at : Cliams@siamconsultants.co.th

  • Piyanut Phuthanawarinthon
  • Virapong Srimoung
  • Phumin Tanasumpunkul

Tel. 0-2291-6772 – 6 ext 203,  ext.  086-106-1707
Tel. 0-2291-6672-6 ext 201,  ext.  081-850-4770
Tel. 0-2291-6672-6 ext 202,  ext.  081-850-4765

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Miscellaneous Insurance
Claim

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Steps for property damage claims
Duties of Insured
Details
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Steps for property damage claims
Duties of Insured
  1. Minimize loss or damage
  2. Notify the insurance company of the loss or damage.

1.
Minimize loss or damage:
Steps for property damage claims
  • In the event of loss or damage, immediately take all reasonable steps to prevent the loss or damage from becoming more severe
  • Act as if the lost or damaged property was not insured.
2.
Loss notification
In the event of loss or damage, notify the insurance company as soon as practicable and provide the following initial information:
  • Name of Insured;
  • Type of Insurance and policy number;
  • Date and time of occurrence;
  • Place and cause of incident;
  • Details of properties damaged;
  • Initial Loss Estimate (if available);
  • Name of notifying person and contact details;
  • If a survey is required, name of person and contact details for making appointment.
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Loss notification channels:
Miscellaneous Insurance Claim
Details
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Loss notification channels:
Miscellaneous Insurance Claim
  • Phone
  • Letter
  • Fax
  • E-mail

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General Insurance Practice
Miscellaneous Insurance Claim
Details
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General Insurance Practice
Miscellaneous Insurance Claim
  1. Determine if a loss survey is required;
  2. Request for all relevant documents ;
  3. Assess the extent of the loss or damage, the actual amount of such loss or damage, policy terms and conditions.
  4. Inform the Insured of the assessment.
  5. Indemnify the Insured.

1.
Loss Survey
Miscellaneous Insurance Claim

Once notified, the insurance company shall determine if a survey is required which may be conducted by:

  • insurance company’s own adjuster; or
  • appointed independent surveyor/adjuster.

IF no survey is required, the Insurance company may consider the claim based on the information and/or documents submitted by the Insured.

2.
Preliminary Documents required.
Miscellaneous Insurance Claim
  1. Claim letter
  2. Internal incident report
  3. Police report
  4. Written claim against third party (if any)
  5. Receipt and/or quotation of the repair costs
  6. Photos of damaged property
  7. Relevant drawings or plans
  8. Technician’s comments
  9. Any other relevant documents
3.
Claim Consideration
Miscellaneous Insurance Claim

Insurance company shall consider if a claim is payable based on the cause of loss/damage, extent and in accordance with the insurance policy terms and conditions.

4.
Once fully considered
Miscellaneous Insurance Claim
  • If the loss is payable, the insurance company will send the Liability Release Form for the Insured to sign in agreement.
  • If the loss is not payable, the insurance company will inform the insured in writing.
5.
Indemnification
Miscellaneous Insurance Claim

Upon receipt of the signed Liability Release Form, SCB will forward the Form to the Insurance Company for payment to be made to the Insured.


Enquiry

For further assistance, please contact us at : Claims@siamconsultants.co.th

  • Virapong Srimoung
  • Phumin Tanasumpunkul
  • Thanawat Chanthanimi

Tel. 0-2291-6672-6 ext. 201  ,  081-850-4770
Tel. 0-2291-6672-6 ext. 202  ,  081-850-4765
Tel. 0-2291-6772 – 6 ext. 204  ,  092-256-3384

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PA & Health Insurance
Claim

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Steps to be taken by the insured
PA & Health Insurance Claim
Details
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Steps to be taken by the insured
PA & Health Insurance Claim
  • With the PA & Health insurance card, the Insured may present the card along with ID card to partner  hospitals listed by the insurer.
  • Without the PA & Health Insurance card, the insured should receive medical treatment from a legally licensed medical treatment facility operated by registered and licensed physicians**

Registered and licensed Physician refers to a person who has attained a degree of Doctor in Medicine and who is registered with and licensed by The Medical Council of Thailand to practice medicine.


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For claims under Personal Accident (PA) Insurance
PA & Health Insurance Claim
Details
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For claims under Personal Accident (PA) Insurance
PA & Health Insurances Claim

For claims under Personal Accident  (PA) Insurance

Immediately seek medical treatment for the injury and have the following papers delivered to SCB for reimbursement.

  • Original medical expense receipts;
  • Original medical certificate;
  • Completed and duly signed claim form;
  • Certified Insured’s ID copy;

In case of death by accident

the initial documents required include copies of :

  • Death certificate;
  • House registration (with name deletion of the dead person);
  • Resident registration (with name deletion of the dead person);
  • ID of the dead person;
  • Police report certified by police in charge of the case;
  • Autopsy report certified by police or relevant authority;
  • Test result of blood alcohol if any or confirmation by police of the omission of such test;

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For claims under Health Insurance
PA & Health Insurance Claim
Details
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For claims under Health Insurance
PA & Health Insurance Claim

To claim for in-patient medical expenses, the following documents are required

  • Original receipt
  • Original physician report
  • Incurred expenses summary or invoice, if available;
  • Out-patient medical treatment history (if any)
  • Completed and duly signed claim form
  • Send all documents to us for reimbursement process.

To claim for out-patient medical expenses, the following documents are required

  • Original receipt
  • Original physician report
  • Summary of claimants and all original receipts
  • Send all documents to us for reimbursement process.

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Documents required for beneficiary
PA & Health Insurance Claim
Details
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Documents required for beneficiary
PA & Health Insurance Claim

For entity beneficiary

  • Copy of Certificate of company registration duly signed by authorized person;
  • Copy of duly certified ID card of authorized person;

For individual beneficiary

  • Copy of duly certified ID card;
  • Copy of duly certified House

 


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Claim assessment
PA & Health Insurance Claim
Details
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Claim assessment
PA & Health Insurance Claim

Insurance Company shall assess a claim based on the claim documents submitted and the terms and conditions of the relevant insurance policy.


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Notification of claim assessment result
PA & Health Insurance Claim
Details
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Notification of claim assessment result
PA & Health Insurances Claim
  • If the case is covered, the insurance company will proceed with the claim settlement and send check to the Insured.
  • If the case is not covered, the insurance company will notify the Insured, in writing, of the reason.

Enquiry

For further assistance, please contact us at :  Claims@siamconsultants.co.th

  • Sopitta Sintucharoen
  • Viraphong Srimoung
  • Phumin Tanasumpunkul

Tel. 0-2291-6772 – 6 ext. 204  ,  081-720-4776
Tel. 0-2291-6672-6 ext. 201  ,  081-850-4770
Tel. 0-2291-6672-6 ext. 202  ,  081-850-4765