Personal Accident Insurance
- Law & Rights

Personal Accident Insurance – What Is Covered & What You Need To Do

You may have heard of personal accident insurance in Thailand. This type of insurance can cover you and your family in the event that you are harmed in an accident. However, there are a few things you should know about this type of insurance before you start filing your claim.

Personal accident benefits in Thailand will help pay for medical expenses that are related to your injuries sustained in an accident. However, there are a few stipulations involved when you file your claim. For one thing, you will only receive the benefits if the accident was not your fault. If you were the cause of the accident, your medical costs will be paid for up to a certain amount. You will also have to reimburse your medical costs if you lose income as a result of the accident.

Two Types

There are two types of Thailand accident insurance. These include per accident and total accident benefits. The former pays for your medical costs and lost income, while the latter takes care of the rest. Both of these, however, do not cover personal injury claims.

What Is Covered Under Personal Accident Insurance?

You will need to file personal accident insurance if you are involved in any kind of accident. Some of the situations covered include auto accidents, boat or ship accidents, motorcycle accidents, skydiving, cave diving, public works accidents, and construction accidents. So, if you are involved in any of these incidents, you will need your own personal accident insurance in Thailand. If you were not at fault, you will not have to file for any compensation.

What You Need To Do 

When you file for accident benefits in Thailand, you will need to give the authorities a detailed description of the accident. However, make sure you do not leave out any details because otherwise, you could end up having trouble later on. Make sure you tell them the name of the other person involved, and also give them the address of the witnesses. The accident benefits in Thailand are paid to the person who is injured in the accident, regardless of who was at fault. The personal injury lawyer will look into the details and help you get the right amount for accident benefits.

Before signing up for accident insurance in Thailand, it is important that you ask around and find out as much as you can about it. Thailand has laws, which are very different from those of other countries. Therefore, it is advisable to get professional help from someone who is experienced in personal injury matters and can easily explain to you all the implications of Thai accident insurance. 

If you follow these simple tips, you will save yourself from unnecessary stress in the future.