Steps for Claiming Under the Motorbike Accident Insurance Act (P.A.)

When you are involved in a motorbike accident, there are specific steps and legal conditions to follow to claim under the Motorbike Accident Insurance Act (P.A.). Here’s how you can do it:

Steps for Claiming Under P.A.

1. Report the Accident and Get Medical Treatment
   • Immediately take the injured person to the nearest hospital for treatment.
   • Report the accident to the police to get an accident report (police report).
2. Collect Necessary Documents
   • Police report
   • Medical certificate detailing the injuries and treatment
   • Medical expense receipts
   • Copies of the injured person’s ID card and house registration
   • Copy of the vehicle’s insurance policy (if available)
3. Contact the Insurance Company
   • Contact the insurance company where the P.A. insurance was purchased, provide details of the accident, and submit the collected documents.
   • Fill out the claim form provided by the insurance company.
4. Wait for Verification and Receive Compensation
   • The insurance company will verify the documents and details of the accident.
   • If everything is correct and complete, the company will process the compensation according to the specified conditions.

Compensation Limits and Legal Conditions

According to the Motor Vehicle Accident Victim Protection Act, the compensation limits and conditions of limit of preliminary compensation are as follows:

1. Medical Expenses:
   • Maximum of 30,000 Baht per person
2. Compensation for Lost Income if Hospitalized:
   • Maximum of 200 Baht per day, up to 20 days, totaling no more than 4,000 Baht
3. Permanent Disability Compensation:
   • 35,000 Baht per person or according by law.
4. Death Compensation:
   • 35,000 Baht per person or according by law.
5. If the Injured Person is the Rider and at Fault:
   • Medical expenses up to 30,000 Baht per person
   • Permanent disability or death compensation 35,000 Baht per person or according by law.

Additional Conditions

1. Valid P.A. Coverage at the Time of Accident: The vehicle must have valid P.A. insurance at the time of the accident.
2. Complete Documentation: Proper and complete documentation must be submitted to the insurance company.
3. Additional Vehicle Insurance: If there is additional vehicle insurance (e.g., First-class, Second-class, or Third-class insurance), you can claim additional compensation from these policies.

Following these steps will help ensure a smooth P.A. claim process and proper compensation according to legal requirements.