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How the insurance pay when lost the car
"Lost car", This word, no one wants to happen to me. But if that happens, then we must hurry to manage to get the car back as soon as possible. And if not returning the car, must proceed to reduce the damage as much as possible
Many people when the car is lost will try to find the car by yourself through the GPS system attached to the car. Some people are insane. Call to tell relatives Before getting back to mindfulness, may not return the car
When the car is lost, the first thing is to compose the documents and then rush to the police station to report to the staff. From then telling the information Details about the car, date, time, location of the lost vehicle for easy tracking
Then prepare the car ownership documents Proof of car installments (In the event that the installment is not completed), including the statement To file a claim with the insurance company In which the insurance officer will prove that the vehicle is really lost Or not and helps to track the missing car as well
At this point, car owners must first know what type of car insurance they have. There are 6 types of car insurance, including 1st class, 2nd class, 3rd class, 4th class, 2nd class, and 3rd class +, each with different coverage.
If taking 1st class car insurance when the car is lost and cannot be returned Can claim up to approximately 80% of the car price. Simply put, cannot claim 100% due to vehicle depreciation Number of years purchased The sum insured will be determined from the car price on the day of the insurance, for example, the car price is 650,000 baht and can claim 80% insurance when the car is lost and cannot be returned to get the insurance amount 520,000 baht (650,000 x 80%).
Of course, the sum insured will be reduced according to the type of insurance. But in the case of a lost car, can claim the insurance only for those who are insured Class 1, Class 2 and Class 2+, the rest of the insurance does not cover the case of lost cars And don't forget that the insurance will be paid only when the police officers conclude and put into the phrase "lost car".
But if the lost car still has installments with finance Car owners must inform finance. According to the hire purchase law Installment of a car and finance is considered a hire purchase of property, so when the property is lost, the contract will be suspended immediately. That means you don't have to send the remaining installments anymore.
If the vehicle is lost but still in installments the insurance funds that will be received from the insurance company will be delivered to the finance. Because the owner of the car is still financed Insurance companies will calculate the outstanding installment. If the sum insured is greater than the remaining installment Insurance will provide an amount equal to the outstanding installment. And give the difference to the car owner. But if the remaining installment exceeds the sum insured Car owners have to talk to finance about how much they must pay for the remaining car installments. Which will pay depending on the negotiation. However, if both parties cannot negotiate Had the court to consider
Table of different types of car insurance coverage
|
Car insurance type |
Coverage |
|||||||
|
Third-party liability |
Insured car |
The person inside the insured vehicle |
||||||
|
asset |
Life / Body |
Lost / fire |
Crash |
crash |
Personal accident |
Medical expenses |
Terrorist |
|
|
1st class |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
|
2nd class |
✓ |
✓ |
✓ |
- |
✓ |
✓ |
✓ |
✓ |
|
3rd class |
✓ |
✓ |
- |
- |
✓ |
✓ |
✓ |
- |
|
4th class |
✓ |
- |
- |
- |
- |
- |
- |
- |
|
2+ class |
✓ |
✓ |
✓ |
✓* |
✓ |
✓ |
✓ |
✓ |
|
3+ class |
✓ |
✓ |
- |
✓* |
✓ |
✓ |
✓ |
- |
Note: * If the insured's vehicle collides with land vehicles only
Source: Office of the Insurance Commission
When the car is lost Aside from being mindful and taking immediate steps, it is important to understand what rights are covered by car insurance. In order to get the full benefit
