Thread: DDPM: those in an accident while intoxicated can't make insurance claim

BANGKOK, 5th April 2018, (NNT) - The Department of Disaster Prevention and Mitigation has reminded motorists that those being in an accident while under the influence of alcohol cannot make an insurance claim.

Director of DDPM’s Road Safety Operation Center, Chumpot Wannachatsiri, indicated today that those in accidents who are proven to have more than 50 milligrams of alcohol per 100 milligram of their blood do not have the right to claim any compensation from insurance companies for either the one who caused the accident, or the victim of the accident. The former will be the sole responsible party for any damages.

Meanwhile, the Public Health Ministry has prepared ambulances and medical personnel in 198 districts in rural provinces and in areas of the capital deemed accident prone areas.

The ministry, together with the Thai Health Promotion Foundation and the DDPM’s Road Safety Operation Center, explained, that during this long Songkran holiday period, the campaign is employing about 165,000 medical personnel. They are divided into 14,492 emergency response units with 1,500 surgeons available for the medical tasks.

Minister of Public Health Dr. Piyasakol Sakolsatayadorn has dispatched officials responsible for conducting Blood Alcohol Content, to risky areas. He said more emphasis will be placed on preventing the sale of alcoholic beverage on the street and during a specified period, the banning of alcohol consumption while driving or boarding a vehicle.

Last year road accidents killed a total of 440 individuals and put more than 4,141 in hospital.


National News Bureau Of Thailand | DDPM: those in an accident while intoxicated can't make insurance claim

Originally Posted by misskit

Director of DDPM’s Road Safety Operation Center, Chumpot Wannachatsiri, indicated today that those in accidents who are proven to have more than 50 milligrams of alcohol per 100 milligram of their blood do not have the right to claim any compensation from insurance companies for either the one who caused the accident, or the victim of the accident.

With 50% alcohol level in their blood they would be dead..

They got a great insurance policy for farangs who crash while drunk, it's called gofundme

Some policies don't bother stating alcohol blood levels. They say under Exclusions 'if you have consumed alcohol prior to (the accident) this policy will not cover you'. So you don't even have to be 'intoxicated' to not receive coverage. If someone can prove you had had 'a drink' with dinner 'before' the accident, then you ain't covered.

And some accident policies, like the Bangkok Insurance Public Company Limited (aka Bangkok Insurance PCL) policy called Happy 45+ Personal Accident Policy says under Exclusions: “This insurance does not cover loss or injury while the insured is riding or traveling on a motorcycle."

It's a decent 'accident only' policy costing about 6500 baht for 200,000 baht Medical/Hospital but it flat-out won't pay for a motorcycle accident if you are riding or traveling on one.

Brokers selling these policies will try and convince you it will indeed cover your Medical/Hospital bills if riding/traveling on a motorcycle. But read the policy carefully and read the Exclusions especially.

Caveat Emptor.

Originally Posted by misskit

those in accidents who are proven to have more than 50 milligrams of alcohol per 100 milligram of their blood do not have the right to claim any compensation from insurance companies for either the one who caused the accident, or the victim of the accident. The former will be the sole responsible party for any damages.

so, some drunk asshole crashes into me and his insurance company isn't obligated to compensate me for medical bills or damage to my car.... and what if the drunk asshole is also a broke asshole?

a good reason to keep 1st class insurance.