Hitting a Car Driving Against the Flow of Traffic, Will the Insurance Cover?

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Of course, there are always cases of cheating on the road, such as driving the wrong way or driving on the wrong side of the road.

If we hit a car going the wrong way or on the wrong side of the road, who is at fault? Will the insurance pay? Many people may be wondering. In this article, Motorist will tell you the answer for everyone to know.

Hitting a car that drives against the traffic flow, who is at fault?

Everyone knows that driving against traffic is wrong. The penalty for driving against traffic is a fine not exceeding 2,000 baht. However, in cases where a car hits a car against traffic like this, it is usually judged as joint negligence or the fault of both parties. Most people think that if both parties drove carefully, this kind of accident would not have happened. However, the officer will first prove which party is more at fault. However, if it is assessed as joint negligence, both parties will not be able to claim damages from each other. 

Does insurance cover it or not?

Whether we are the ones who drive against traffic or hit the car driving against traffic, if we have car insurance, no matter what type of insurance, it will definitely provide coverage as specified in the policy. However, it depends on what is covered. Therefore, reading the specified terms and conditions clearly and completely is very important. Let's take a look at each type of insurance to see how much coverage it provides.

1. Type 1 Car Insurance

For type 1 insurance, I can say that it is definitely reassuring because whether we are at fault or not, first-class car insurance will take care of the damage to the car and clear the fine if it is our fault as well.

2. Type 2 and 3 Car Insurance

In the case that we are at fault, type 2 and 3 insurance will only be responsible for the other party. In terms of car repairs, various expenses, including fines for our wrongdoings, we must pay for them all ourselves.

3. Type 2+ and 3+ Car Insurance

For type 2+ and 3+ insurance, the insurance company will be responsible for everything whether we are at fault or not, but the condition is that it must be a case of a car collision and the other party can be identified.

If you are looking for car insurance that meets your needs, contact Motorist to consult with our experts today!

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