What to Do When You're in an Accident and the Other Party Has No Insurance

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An accident is already frustrating, but it’s even worse if the other driver has no insurance. However, if you have insurance, you’re in a better position since your insurer can help handle the situation, so you don’t have to bear the entire burden yourself. Here’s a guide from Motorist to help you navigate this situation!

• Steps to Follow
  1. Stay Calm – Start by collecting yourself.
  2. Contact Your Insurer – Call your insurance company and explain the accident in detail.
  3. Let the Insurer Handle It – Your insurer will handle negotiations with the other party, manage police reports, assess damages, and, if necessary, pursue legal action if the other driver refuses to pay for damages.
• What If the Other Party Refuses to Pay?

If the other party doesn’t want to pay, your insurance company can take legal action. They’ll offer payment options like installments or lump-sum payments for the other driver to cover the costs. In the meantime, if you have coverage, you’ll receive a claim form to schedule your vehicle’s repair at an approved repair shop or service center.

Types of Insurance Coverage

Different levels of insurance cover various situations:

• Type 1 Insurance – Covers loss, natural disasters, or accidents with or without a third party.
• Type 2+ Insurance – Covers loss, natural disasters, or accidents, but only if there’s a third party involved.
• Type 3+ Insurance – Covers accidents with a third party.
• Type 3 Insurance – Only covers the other party’s vehicle if you’re at fault.

Having car insurance is crucial, as you never know when an accident might happen. If you own a car, make sure you’re insured to stay prepared.

For the best car insurance coverage at the best price, check out Motorist's car insurance options: https://www.motorist.co.th/car-insurance

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