Crashing into an electric pole – Will insurance cover it?

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Accidents happen when you least expect them, and sometimes, they come with a hefty price tag—especially if you crash into an electric pole.

Many drivers wonder: Who do I pay? How much will it cost? Will my insurance cover it? And if I can’t pay all at once, can I set up an installment plan? Let’s break it all down with Motorist!

Who Do You Pay for Damages?

If you crash into an electric pole, you’re responsible for the damages because these poles belong to government agencies. In Bangkok, Nonthaburi, and Samut Prakan, you’ll need to compensate the Metropolitan Electricity Authority (MEA). For other provinces in Thailand, payment goes to the Provincial Electricity Authority (PEA).

How Much Will It Cost?

The cost depends on the type of pole and the damage caused:

• Low-voltage poles: Between 10,000 - 30,000 THB per pole
• Medium-voltage poles: Between 30,000 - 1,000,000 THB per pole

Besides the pole itself, you might also have to pay for removal, installation, wiring, transformers, and labor costs—so don’t assume it’s just the price of the pole!

Will Insurance Cover It?

If you have first-class (Type 1) car insurance, you’re in luck! It covers accidents where there’s no third party involved, including hitting an electric pole, a fence, or a tree. However, if you have Type 2+ or 3 insurance, these cases are not covered.

Can You Pay in Installments?

If you don’t have the money to pay upfront, you can negotiate an installment plan with the responsible agency. This is called a debt settlement process, where you can request to pay in monthly installments based on their terms. But if you try to avoid payment, you might face a lawsuit and end up paying a much bigger fine!

Key Takeaways

• If you crash into an electric pole, you must pay for the damages to the responsible authority.
• Costs range from 10,000 - 1,000,000 THB, depending on the type of pole and damage.
• Type 1 insurance covers it, but other insurance types do not.
• You can request an installment plan, but ignoring the issue can lead to legal trouble and higher costs!

Drive safe, stay alert, and if you can, get proper insurance—it’s always better to have it and not need it than to need it and not have it!

Looking for the best car insurance deal? Let Motorist help you find the most suitable and cost-effective policy for your car!

Read More:  When Does Your Car Need an Inspection? Regulations Every Car Owner Should Know!

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