Automobile Claims Process

Follow these simple steps to expedite filing of a Automobile claim

Report a Claim

What is the process for making an Automobile Claim?

  • Report your claim

    1
  • Someone will contact you

    2


  • Contact our Motor Claims Call Center at 02 686 8616 (press 4)
  • Please provide the following information: Name of the insured and/or the policy number of the accident car, Registration number and brand of the accident car, Driver’s name, Cause of the accident, Place of accident (please give an easily recognized location, if possible) and the place for an immediate appointment with our surveyor e.g. a police station. More details will help us to respond faster.
  • We will send a SMS to the driver, with a claim notification number or/and the name of surveyor and the appointment time

What to do after an accident

If you cannot contact us, please follow these procedures:

If you are not at fault

  1. If the car of the third party or other party (hereinafter called T/P) has no insurance, ensure that you:
    • Ask the T/P to write a liability slip and get a copy of his/her car registration. If you can’t have it, please take note the car registration number, brand, the name and the address of the driver.
    • Keep the T/P documents e.g. driving license or identification card.
    • Make a report to the local police and send a carbon copy of your report to us.
    • Inform us immediately the next working day.
  2. If the T/P car has insurance
    • Exchange the Claim Form (the white one attached to the policy) which both insurance companies have issued for insurance type 1, 2, 3 and so on.
    • If the T/P does not have a Claim Form, ask him/her to contact his/her insurance company.
    • Ask the T/P for the Liability Acceptance Note from his/her insurance company’s surveyor.
    • Inform us immediately on the next working day.
  3. Claim Form Procedure
    • Present the Claim Form and ask third party whether he/she has a similar Claim Form as yours. If yes, please proceed as below. If not, contact your insurance company.
    • Verify the vehicle’s Registration No. mentioned in the third party Claim Form is the same as his/her vehicle’s plate number. If not, contact your insurance company. If yes, please proceed as follows:
      • Fill in all details in Part II of your Claim Form, and record all instances of damage to your vehicle and third party’s vehicle in Part III and Part IV accordingly. By mutual agreement, all details recorded should be identical on both documents.
    • Sign your name on your own Claim Form as well as third party’s document. Please follow this procedure:
      • mark the on the “Right” box if you are not at fault,
      • mark on the “Wrong” box if you are at fault
      • mark on the “Both negligent” box if both are negligent.
      • If you are unable to determine which party is at fault, the traffic policeman’s decision will apply.
    • Exchange this Claim Form with the third party, then bring the document and notify us of the accident in writing within 7 days. This is to protect your right in claim compensation before having your vehicle repaired.
    • If your vehicle was insured under 2nd class (Third Party Fire and Theft) or 3rd class (Third Party Only) conditions, and you are right, bring the Claim Form of third party who is at fault and contact his/her insurance company to notify your claim for compensation within 7 days.
    • Request a new Claim Form from us for further accident usage.
  4. In case the T/P car has insurance but the T/P is unable to contact his/her insurance company.
    • Note the name of insurance company, policy number and the expiry date.
    • Note the T/P’s car registration number and brand, together with the T/P’s name and address.
    • Ask the T/P to write a liability slip and obtain a copy of his/her car registration. If you can’t have it, please note the car’s registration number.
    • Keep the T/P documents such as the driving license or identification card.
    • Make a report to the local police and send a carbon copy of your report to us.
    • Inform us immediately the next working day.

If you are at fault

  1. In case the T/P car has no any insurance or “Claim Form”, please follow this procedure:
    • Arrange an appointment with the T/P to visit our office with the damaged car on the next working day. Take photographs of the damage in advance, if possible.
    • After the police decide that you are at fault, ask the T/P to copy the carbon copy of the report and bring his/her damaged car to our company.
    • In case it is obvious that you are at fault, write a liability slip to him/her.
  2. In case the T/P has insurance type 1, 2, 3 and so on and he/she has “Claim Form”
    • Exchange the “Claim Form” (the white document attached with the policy) which the company issued and follow the procedure identified in the form or Item No. 1.3.

If both insist each other’s negligence

  1. In case both parties are negligent and have insurance type 1, 2, 3 and so on and he/she has “Claim Form”
    • Exchange “Claim Form” (The white document attached with the policy) which the company issued and follow the procedure identified in the form or Item No. 1.3
  2. In case the T/P car has no insurance or “Claim Form”, please note:
    • If the case is investigated by a police officer who judges that the insured is negligent, please copy the police carbon copy and contact us with the damage car.
    • If the case is not investigated by the police, ask for a note stating that both drivers are negligent.

If both cannot judge who is at fault

  1. Report to the local police immediately.
  2. Don’t move the cars until the police arrive.
  3. Let the police judge who is at fault. If you are not at fault, see No. 1.
  4. If you are at fault, see No. 2.

If you injure a person

  1. Bring him/her to the nearest hospital or clinic immediately for initial treatment. If you have compulsory policy, please show the document, such as the sticker we have given you to attach to your windscreen, to the hospital officers. Most hospitals will give initial treatment to the victim, without payment because the hospital will send us a debit note. Some hospitals may require payment in advance, which will be reimbursed to you later.
  2. Inform us immediately on the next working day.

When you car is seized

If your car is seized for investigation at the police station, you should bring all valuables out of the car. Ask the police to check and record the car’s condition, and get a carbon copy of it.

When your car is stolen

Please call to Lost and Found Car Center, Tel. 1192 (in Thailand only) and make a report immediately. Next, report to the police station nearest to where your car was lost with these documents:

  1. Car Registration Book (with authorized signature and seal)
  2. Power of Attorney (with authorized signature and seal)
  3. Your company’s affidavit (with authorized signature and seal)
  4. Copy of authorized director’s identification card or passport with his signature (a person who gave the power to act in his name)
  5. Copy of authorized person with his signature (a person who is entrusted to act). If the stolen car is under hire purchase agreement, please check with your finance or leasing company.

After 1 month from the date of the car loss, please call us for a requisition letter to the police, regarding the progress of their investigation. At the same time please prepare these documents to claim for compensation:

  1. Car Registration Book (with authorized signature and seal)
  2. Power of Attorney (with authorized signature and seal)
  3. Transfer of ownership (with authorized signature and seal)
  4. Your company’s affidavit (with authorized signature and seal)
  5. Copy of authorized person’s identification card or passport with his/her signature
  6. Key

What should I do, if I cannot contact you when my car is involved in an accident – and it cannot be moved?

Please call
Saha Mitre Crane Co., Ltd. (Sukhumvit 36)
Tel. 0-2258 6103, 0-2258 6108, 0-2258 6170 Fax. 0-2258 6170
Saha Mitre Crane Co., Ltd. (Huay Kwang)
Tel. 0-2277 0939, 0-2277 7255 Fax. 0-2277 9279

The towage fee for a car, pick up or other four-wheel vehicle is:

  • Bangkok: Maximum charge is Bht. 500.-/time
  • Within the boundary of Bangkok: Maximum charge is Bht. 600-800.-/time
    e.g. Bangna-Trad K.M.4, Samrong, Laksi, Thlingchan, Putthaamonton, Rama 2nd (Thonburi-Paktho), Ladkrabang
  • Upcountry near Bangkok: Maximum charge is Bht. 1,200-1,500.-/time
    e.g. Pathumthani, Chonburi, Chacheangsao, Samutsakorn, Nakornpratom
  • In other provinces, the fee is calculated by distance i.e. One kilometer @Bht. 10
    e.g. Bangkok to Nakornrachsima is about Bht. 2,580.
     

If your car cannot move by its wheels, special wheels will be used to move it. The additional fee is Bht. 500. – 800.

If bail is required for the driver

The company will prepare the bail money up to limit of liability for bail bond as stated in the policy.

General criminal penalty for driver

  • Damage to T/P property:Bht.400.- to Bht.1,000 fine
  • Light injury to a person:
    • Fine will not exceed Bht.1,000
    • Imprisonment will not exceed a month
    • Or both
  • Serious injury to a person:
    • Fine will not exceed Bht.6,000
    • Imprisonment will not exceed 3 years
    • Or both
  • Cause the fatal injury:
    • Fine will not exceed Bht.20,000
    • Imprisonment will not exceed 10 years
    • or both
  • If the driver flees from the scene or does not report to the police investigator:
    • Additional fine from Bht.5,000 – 20,000.
    • Imprisonment will not exceed 6 months
    • Or both
    • Accidental car will be seized until case is closed

When To Report

About An Accident

Always report the accident even if it doesn’t give rise to a claim.

  1. Call our Auto Claim Contact Centre 14006 to report the accident not more than 3x24 hours from the date of the incident (please inform the policy number and the name of the insured).
  2. Complete the form and supporting documents so that a claim can be processed.
    • A photocopy of vehicle registration, driver’s license and insurance policy.
    • Report to Police Letters to the incidence of accidents, theft or vandalism.
  3. Keep the evidences and show it to the appointed Loss Adjuster (loss assessors) to expedite the claim investigation process.
  4. Submit the quotation for repair or replacement subject to our approval.

Why Report?

By not making a report you may

  • Lose all the claim benefits/rights that you are entitled to get and / or
  • Ignore your responsibility to yourself and other involved parties
     

How to make a report

Reporting an Accident in Thailand

1

Make a report to the nearest Police Station in Thailand

2

If your vehicle disabled and needs towing, contact number 0-2686-8616 press 4