2 approaches when reporting an accident

1. Instantaneous claim

Refers to the claim that requires our inspection officer at the scene of the accident such as the presence of another parties (car / asset) or there’s injured person or fatality or the extensive damages to the car caused immobility. Please contact Motor Accident Report Center for advice and service accordingly.

The center will coordinate with an accident inspection officer nearest to the scene of the accident in order to reach you soonest. To provide instantaneous claim service, our officer will be equipped with modern equipment such as smart phone, mobile printer and i-Survey, an online information system that connects to our main system automatically. The officer will then produce the incident report or other necessary documents as a proof to necessitate you to proceed to the next steps of repair and indemnity claim.

2. Delayed Claim (Available only for Motor Insurance Type 1)

Refers to the type of claim that does not require the presence of our accident inspection officer such as no other parties at the scene, minimal damage and car is still functioning. You can continue driving the insured car but remember to record date, time and places of the accident in order to claim this later before the end of your insurance policy. Please contact Motor Accident Report Center for advice and service. For our customers who use devices such as smart phone or tablet, you can report the accident via KPI mobile app by downloading from App Store for Apple devices and Google Play for Android devices.

Additionally, we advise that the insured, beneficiary and indemnity claimer should contact us within 15 days after the accident.

When an accident occurred

1. Report the accident immediately or as soon as possible

2. Report factual information in straight forward manner

3. Get eyewitness at the scene if possible

In the case where the insured is clearly at the right / wrong i.e., collided into other car or vice versa

1. Record details of the other parties or eyewitness at the scene

2. Report to us immediately

In the case where you are unsure whether you’re in the right or wrong i.e., collision at an intersection

1. Report to us immediately

2. Take as many pictures as you can at the scene and the surrounding before moving it to other place to clear traffic

3. Contact police in the area and wait for inspection

4. Do not engage in any agreement and sign your name in any document before our inspection officer is present

When someone was injured

1. Don’t flee the scene because you’ll be treated as the wrong doer by the law

2. Get the injured to hospital as soon as possible and report to police in the area

3. Report to us immediately

When your car was hit and the other parties left the scene

1. Record car registration number of the other parties and details as much as possible

2. Report to us immediately

3. Report to police for legal proceeding not just for evidence

If your car was seized or impounded by police

1. Check your valuables such as car stereo system, equipment and have it recorded in a police report

2. Notify us immediately for further appointment with the police to get the car back

3. Contact inspection police officer on the appointment date

When there’s third party insurance and with victim or injured person

1. Get the injured to hospital as soon as possible and report to police in the area

2. Notify the third party insurance policy to the hospital

3. Notify the company or the insurance company that provides the coverage for the victim

Motor Accident Report Center is available 24-hour on 0 2624 1111 press 1

For smart phone users, please download free KPI mobile app from App Store for Apple devices and Google Play for Android devices.

You can contact our Head Office at Biz Center & Claim Service on 10th Fl., KPI Tower or any KPI branch offices nationwide from Monday - Friday (8.30 a.m. - 4.30 p.m.) except official holidays, bank holidays or other public holidays set by Office of the Insurance Commission

Advice on sending car for repair in car garage or service center not listed in the contract

In this case, customer must ask for quotation from them first and send the quotation with proof of damages to us for approval before getting car repaired. Afterwards, the repaired car must be inspected by us for reimbursement as in some cases, customer must pay in advance for the repair.

Documents required when contacting us and the duration for our assessment

Indemnity claim requires documents and procedures as follows:

Repair cost of the insured’s car

1. The repair cost will be reimbursed after the repair and pass the inspection criteria by the company or alternatively with the proof of some photos during and after the repair

2. The original receipt with tax number and address of the car garage or service center

3. If the insured wasn’t present, he or she can enclose a power of attorney instead. If it’s a legal entity, a certified letter must be included as well*

4. The proof of the damages issued by the company

5. A certified copy of your ID card with your signature

6. A copy of bank book with the insured name and bank account number (If applicable)

7. If all required documents have been submitted to support the claim and the cost of the damages has been agreed. The reimbursement will take approximately 15 days to process.

Repair cost of the victim’s car

1. A copy of car registration or lease contract or proof of ownership document

2. A copy of the car’s insurance policy (if applicable)

3. A certified copy of ID card of the car’s owner or other proof of ownership document issued by relevant government bureau

4. If the victim wasn’t present, he or she can enclose a power of attorney instead. If it’s a legal entity, a certified letter must be included as well*

5. The proof of the damages issued by the company

6. A copy of bank book showing the name of the car’s titleholder and bank details where applicable

7. If all required documents have been submitted and the cost of the damages have been finalized. The reimbursement will be payable in 15 days.

The case of total damage or lost car

1. The application form of transfer request and transfer acceptance (issued by Department of Land Transport)

2. A power of attorney of the transfer

3. The car registration book with signature of the owner

4. Car key and the whole set of the duplicate

5. A certified copy of the titleholder’s ID card or the authorized person in case that a legal entity is the titleholder

6. A copy of house registration of the titleholder or the authorized person in case that a legal entity is the titleholder

7. In the case if the insured car was lost, a document of proof that the owner has officially reported to impound or cancel the use of the lost car.

8. A certified letter from the company with the authorized person’s signature to verify the copy with the company’s seal (in case that a legal entity is the titleholder)

9. The sale verification document of the insured car (in case that a legal entity is the titleholder)

10. Waiver and conveyancing contract

11. A copy of daily report (if applicable)

12. The original copy of the insurance policy (if applicable)

13. If all required documents are submitted and the damage cost has been finalized. The reimbursement will be payable in 15 days.

Indemnity claim according to the compulsory insurance policy

(Injury case)

1. A copy of ID card of the victim or a certified copy of the proof of the identity issued by government official

2. The original receipt or medical expenses summary

(Applying for compensation case) (Inpatient)

1. A copy of ID card of the victim or a certified copy of the proof of the identity issued by government official

2. Doctor certificate, inpatient treatment verification document

(Disability case)

1. A copy of ID card of the victim or a certified copy of the proof of the identity issued by government official

2. Doctor certificate and disability verification document

3. A copy of police report by the case officer or other proof of the victim’s disability caused by the insured car

If all required documents have been submitted, the compensation will be payable in 7 days

(Loss of life case)

1. A copy of ID card of the victim or a certified copy of the proof of the identity issued by government official

2. A death certificate of the victim

3. A certified copy of ID card of the victim’s heir and a copy of house registration

4. A copy of police report by the case officer or other proof of the victim’s death was caused by the insured car

If all required documents have been submitted, the compensation will be payable in 7 days

Indemnity claim according to the voluntary insurance policy

(Injury case)

1. The original medical bill

2. Doctor certificate

3. A copy of ID of the injured or a certified copy of the proof of the identity issued by government official

4. The injured personal information such as profession, income etc. In case of applying for other indemnity claims apart from medical expenses

5. If the injured is unable to contact the company personally, he or she must write and sign an authorization letter* for other representative to process the claim

(Loss of life case)

1. A copy of death certificate (Some proof of the fatality incident)

2. An official document to verify the deceased’s legal heir

3. The deceased personal information such as profession, income etc.

4. An authorization letter from other victims must also be submitted in case the deceased had more than 1 heir

If all required documents have been submitted and the cost of the damage has been finalized, the compensation will be payable in 15 days

*Note: A complete and correct authorization letter

1. If it’s a legal entity, the company’s affidavit must be enclosed with the authorized person’s signature and the company’s seal

2. A copy of Grantor’s ID card with signature to certify the copy

3. A copy of Attorney’s ID card with signature to certify the copy

4. The purpose of the Power of the Attorney must be clearly specified

5. 10 baht stamp duty for one-time authorization or 30 baht stamp duty for multiple times authorization

i-Sure garage, the auto garages that are partners of contract with Krungthai Panich Insurance Public Company Limited. These garages have been selected and screened for their repair service according to standards set by U-Klang Insurance Association and/or have passed criteria set by KPI. These measures are in place to elevate our services quality provided for our customers with trustworthy, high quality, convenient and fast. At the same time we endeavor to maintain the same level of high standards nationwide. Our main objective is to heighten our customers’ satisfaction.

The standards of i-Sure garage

• Immediate delivery of the damaged car for repair

• Clean, hygienic, and safe with i-Sure garage’s standards*

• EMCS system is used as the repair management process**

• High quality guaranteed on spare parts and paints used

• Utilizing modern technology and repair equipment

• Slow drying 2K paints are used with at least 1 year guarantee its quality

• Service by experienced and highly skillful technicians

• U-Klang Insurance Association’s standards guaranteed***

• Thorough inspection and quality control before delivery

• Car will be cleaned before delivery

• Delivery on scheduled appointment

• Staffs are polite and with service-minded

• Pick-up & delivery services****

Note:

* i-Sure garage standards refer to certification granted for any garage that has passed standards set by U-Klang Insurance Association and Krungthai Panich Insurance Public Company Limited

** EMCS system refers to online acquisition system for spare parts and equipment, which is fast and accurate. The system delivers both quality and fairness to both customers and garage

*** U-Klang Insurance Association is an association that has car garage as its members. It has strict policy to endorse the garage’s responsibility to its customers with service quality guaranteed according to the association’s set standards

**** Pick-up & delivery services means we deliver convenience to our customers when they’re busy and unable to do these by themselves without additional cost provided they live in close proximity to the garage.

This project has been initiated by Krunthai Panich Insurance Public Company Limited to provide convenience to our customers for Motor Insurance Type 1. It will fast track the claim procedures in case of car accident. When the insured reports to our call center about the accident, he or she can bring the insured car for inspection and launch claim process immediately at i-Sure garage or at service center of partners in contract without having to wait for an inspection officer. The following conditions applied:

1. The damage to the insured car is at medium level specifically to paint job and body of the car and no spare parts change is needed with exception according the condition #2 and the total damages is not exceeding 5 items

2. In case the insured car suffered a severe damage and couldn’t be restored into its former condition and the physical damages could be seen i.e., dented, shattered or cracked inclusive to the following items only

2.1 Car parts made of glass i.e., front or rear windscreen, door glass, side view mirror (glass part only) or any part of the car made of glass excluding safety glass or bullet proof glass

2.2 Illuminating and signaling lights i.e., headlight, taillight, signal turning light except decorative parts that weren’t originally from the car’s factory

3. The insured or the authorized person to exercise their rights to this project must immediately deliver the insured car to i-Sure garage or any service center of partners in contract (list of these garages can be found in our website)

Documents required

1. Fully filled accidental report with the imprint of the car engine’s serial number

2. A copy of driving license

3. A copy of the insurance policy

4. A copy of the car registration book

5. Pictures on damages to the insured car

There are 2 scenarios: 1. With claim form 2. Without claim form

With claim form (The damages were inspected by our staff), the following procedures applied:

1. In case of taking the insured car to i-Sure garage (check the list of i-Sure garage in our website), documents required are the following:

- A claim form

- A copy of car registration (It’s a must to match spare parts to its made & model)

- A copy of the insurance policy (for the other party in order to check for their insurance policy)

2. In case of taking the insured car to other garage (not in the list of i-Sure garage), the company has to agree to the repair’s quotation before proceeding

2.1 If that garage can bill the company directly, you must prepare:

- A claim form

- A copy of the insurance policy (of the other party in order to check for their insurance policy)

2.2 If that garage won’t bill the company directly, you must advance the payment and apply for reimbursement afterwards, documents required are:

- A claim form

- The original receipt with tax ID and address of the garage

- Inspection after the repair is mandatory or pictures during and after the repair

- A certified copy of the insured’s ID card with own signature

- A copy of the insured’s book bank with banking details

3. When taking it to a service center

3.1 If the service center can bill the company directly, you just provide them with the claim form in order to contact us directly

3.2 If the service center won’t bill the company directly, you have to advance the payment and apply for reimbursement afterwards with these documents:

- A claim form

- A certified copy of the insured’s ID card with own signature

- Inspection after the repair is mandatory or pictures during and after the repair

Without claim form (The damages weren’t inspected by our staff yet)

1. If it’s i-Sure garage, you can do one of the following

1.1 Take the car to apply the claim at the company with your driving license. Our staff will inspect the car and issue a claim form. You then can proceed to i-Sure garage with the following documents:

- A claim form

- A copy of car registration (It’s a must to match spare parts to its made & model)

- A copy of the insurance policy (for the other party in order to check for their insurance policy)

1.2 Take the car to garage and apply for the claim there, the company must agree to the repair cost before the repair process begins

- The claim number (will be given when reporting the accident)

- A driving license

- A document stated that the other parties is at fault (if applicable)

- A police report (if applicable)

2. In case of taking the insured car to other garage (not in the list of i-Sure garage), you must take the car to apply for the claim at the company with your driving license. Our staff will inspect the car, issue a claim form and assess the repair cost

2.1 If the garage will bill the company directly, you must prepare the following documents

- A claim form

- A copy of the insurance policy (of the other party in order to check for their insurance policy)

2.2 If the garage won’t bill the company directly, you must advance the payment and reimbursement afterwards with the following documents:

- A claim form

- The original receipt with tax ID and address of the garage

- Inspection after the repair is mandatory or pictures during and after the repair

3. When taking it to a service center, you must take the car to apply the claim at the company with your driving license. Our staff will inspect the car and issue a claim form

3.1 if the service center will bill the company directly, you just provide them with the claim form for them to contact us directly

3.2 If the service center won’t bill the company directly, you must advance the payment and apply for reimbursement afterwards with the following documents:

- A claim form

- The original receipt with tax ID and address of the garage

- Inspection after the repair is mandatory or pictures during and after the repair

Excess / Deductible means the first portion of the indemnity that the insured has agreed to be responsible for in case of an accident and the clause will be included in the insurance policy. Excess and Deductible are:

Excess (The first amount of the claim as voluntarily chosen by the insured)

It’s the agreement that the insured will be responsible part of the claim in the event of loss caused by the negligence of the driver or those insurance policy holder with the insurer. The higher the excess amount, the lower insurance premium payable by the insured. The excess amount is up to the insured to choose and decide upon.

The excess will incur when the insured was at fault violating terms of agreement specified in the insurance policy such as the incident was without a disputant. But if the insured has not chosen ‘an Excess’, in the event of the claim that the insured is at fault, the insured doesn’t have to contribute towards the claim.

Deductible (The first amount of the claim as agreed upon conditions)

The first amount of the claim that has been specified in every insurance policy and stipulated that it’s a portion of the claim that the insured must be co-responsible with the insurer at the amount of 1,000 baht per incident. If there’s a claim using conditions set by Office of the Insurance Commission (OIC) promulgated on 1st January 2009 as follows:

1. Scratches and damages by fallen stones without a disputant

2. Reckless driving i.e., sliding off roadside but not overturned or fell into a pit or a hole caused scratches to the car’s body when contacting road surface

3. Unable to specify details of the accident that caused damages to the car i.e., the cause of the accident including date, time and place

4. In the event of collision but no details of the disputant can be recalled, the first amount of the claim according to this condition will be calculated as per one accident that is if the damages to the car are more than 1 parts, the first amount of the claim will be 1,000 baht only.