Thailand’s Office of Insurance Commission (OIC) deployed regional and provincial teams to the scene of a multi-vehicle crash on Motorway 7 in Samut Prakan that resulted in eight deaths and at least three injuries, to verify insurance coverage and coordinate claims support. Insurers were required to confirm cover for all involved vehicles and all deceased and injured persons through the OIC’s electronic reporting platform for large or group incidents. Initial checks found the struck passenger car had compulsory motor insurance with Indara Insurance Public Company Limited with a maximum limit of THB 10,000,000 per incident. The tractor unit and trailer each had compulsory motor insurance with MSIG Insurance (Thailand) Public Company Limited (two policies), with a combined maximum limit of THB 20,000,000; the OIC set out the applicable benefit caps, including medical expenses up to THB 80,000 per person per policy, specified ranges for loss of organs (THB 200,000 to 500,000 per person per policy), permanent disability benefits of THB 300,000 per person per policy, and daily compensation of THB 200 per day. The tractor unit also held a voluntary motor policy (Type 3) with LMG Insurance Public Company Limited covering 5 March 2025 to 5 March 2026, with third-party bodily injury cover of THB 500,000 per person and third-party property cover of THB 1,000,000 per incident. The OIC reiterated the “advance payment” approach under compulsory motor insurance where fault is not yet established, under which the insurer of the vehicle carrying the injured or deceased passenger advances compensation under that vehicle’s policy. It coordinated with insurers and hospitals to confirm treatment entitlements for injured passengers, while noting that liability payments tied to negligence will depend on the outcome of the police investigation.
Thailand Office of Insurance Commission 2025-04-26
Thailand Office of Insurance Commission verifies motor insurance cover and coordinates advance payments after 8-fatality Samut Prakan motorway crash
Thailand’s Office of Insurance Commission (OIC) deployed teams to verify insurance coverage and coordinate claims after a multi-vehicle crash on Motorway 7. Insurers confirmed coverage through the OIC’s platform, with specific benefit caps for medical expenses, disability, and compensation. The OIC emphasized the "advance payment" approach for compulsory motor insurance, coordinating with insurers and hospitals to ensure treatment entitlements, pending the police investigation's outcome on liability.