7-Step Insurance Claim Process: A Guide for Car Owners During Songkran Festival

Songkran is one of the busiest times of the year for traffic, with people traveling back to their hometowns, going on trips, or using cars in the city. This significantly increases the likelihood of accidents. While accidents are unpredictable, what can be controlled is "post-accident management," especially car insurance claims. Following the correct procedures can greatly reduce hassle, time, and costs.

This guide will help you respond promptly and ensure you don't miss any important steps.

7 things to do when claiming car insurance.

1. Stay calm – check for safety first. After the incident, remain calm and check for injuries. If there are any, call 1669 immediately and turn on your emergency lights to prevent further accidents.

2. Gather all the evidence. The clearer the evidence, the easier the claim will be. Take photos of all vehicles involved, their license plates, the point of impact, the road conditions, and the surrounding environment. If possible, also record video as additional evidence.

3. Call the insurance company immediately. Please provide your policy number, the exact location of the incident, and complete initial details to enable officials to assess the damage more quickly.

4. Separate the claim cases correctly as follows:

• • If there is another party involved, wait for the insurance adjuster. Do not move the vehicle (except if it obstructs traffic).
  • Since there is no other party involved, you can take photos as evidence and file a "dry claim" (or "no-claim").

5. Be aware of conditions that may deny your claim. Common mistakes include drunk driving, driving without a license, using a vehicle for a purpose other than declared, delayed claims filing, and unclear evidence.

6. Choose a garage or service center that suits your insurance policy. Choosing a local garage will result in quick and convenient repairs, while choosing a dealership will provide higher repair standards and genuine parts, but will take longer.

Understanding "wet claims vs. dry claims" is crucial for making the claims process easier. So, what are the differences between wet and dry claims?

Live Claim This refers to immediate claims processing after an accident, where the other party is present at the scene. An insurance adjuster will inspect the vehicle and issue a claim form on-site, allowing the vehicle to be repaired. The claim form is valid for one year.

Dry Claim This refers to filing a claim afterward, suitable for cases without a third party involved or for minor damage. You can take your vehicle to a repair shop within the network without waiting for an officer to arrive at the scene of the accident.

Claim Checklist… Check Everything, Finish Quickly (Graphic Design)

1. Take photos of the damage around the vehicle.
2. Call the insurance company.
3. Collect information about the other party involved (if any).
4. Check the terms and conditions of the insurance policy.
5. In summary: Knowing the steps = Minimizing damage.

Having knowledge of insurance claims will help you handle any situation with confidence. While accidents may be uncontrollable, the aftermath can still be managed if you are prepared with adequate coverage, drive responsibly, and understand the claims process. This ensures safe, uninterrupted journeys and prevents avoidable problems.

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