{"id":2177,"date":"2024-07-08T22:36:13","date_gmt":"2024-07-08T15:36:13","guid":{"rendered":"https:\/\/360-consulting.co\/?p=2177"},"modified":"2024-07-08T22:36:14","modified_gmt":"2024-07-08T15:36:14","slug":"compulsory-motor-insurance-in-thailand-is-it-enough","status":"publish","type":"post","link":"https:\/\/360-consulting.co\/de\/insurance\/compulsory-motor-insurance-in-thailand-is-it-enough\/","title":{"rendered":"Compulsory Motor Insurance in Thailand &#8211; Is it enough?"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading2177_b297da-2f, .wp-block-kadence-advancedheading.kt-adv-heading2177_b297da-2f[data-kb-block=\"kb-adv-heading2177_b297da-2f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading2177_b297da-2f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2177_b297da-2f[data-kb-block=\"kb-adv-heading2177_b297da-2f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<p class=\"kt-adv-heading2177_b297da-2f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2177_b297da-2f\">If you&#8217;re a vehicle owner in Thailand, you&#8217;re probably familiar with the term &#8220;Por Ror Bor&#8221; &#8211; the Thai abbreviation for Compulsory Motor Insurance. While this insurance is mandatory by law, many drivers are unaware of its limitations and why additional voluntary coverage is crucial for comprehensive protection.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Die obligatorische Fahrzeugversicherung<\/h2>\n\n\n\n<p>Compulsory Motor Insurance, as the name suggests, is required for all vehicle owners in Thailand. Its primary purpose is to provide basic protection for third parties in case of accidents. Here&#8217;s what you need to know about its coverage:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>K\u00f6rperverletzung an Dritten<\/strong>: Sie deckt Verletzungen oder den Tod von Dritten; bis zu einer H\u00f6he von 80,000 Baht pro Person f\u00fcr medizinische Kosten und 300,000 Baht pro Person im Todesfall oder einer dauerhaften Invalidit\u00e4t.<\/li>\n\n\n\n<li><strong>Sachsch\u00e4den an Dritten<\/strong>: Sie deckt <span style=\"text-decoration: underline;\">keine<\/span> Sachsch\u00e4den an Dritten.<\/li>\n\n\n\n<li><strong>Pers\u00f6nliche Deckung<\/strong>: Es bietet eine begrenzte Unfallversicherung f\u00fcr den Fahrer und die Passagiere, normalerweise bis zu 80,000 Baht pro Person f\u00fcr medizinische Kosten und 300,000 Baht im Todesfall.<\/li>\n\n\n\n<li><strong>Deckung des Fahrzeugs<\/strong>: Sie deckt <span style=\"text-decoration: underline;\">keine<\/span> Sch\u00e4den an Ihrem eigenen Fahrzeug.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Die Einschr\u00e4nkungen der Pflichtversicherung<\/h2>\n\n\n\n<p>Die obligatorische Fahrzeugversicherung erf\u00fcllt zwar die gesetzlichen Anforderungen, weist jedoch in mehreren entscheidenden Bereichen Schwachstellen auf:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Unzureichende Deckungssummen<\/strong>: Die Deckungssummen sind oft unzureichend, um bei schweren Unf\u00e4llen die tats\u00e4chlichen Kosten zu decken.<\/li>\n\n\n\n<li><strong>Keine Deckung f\u00fcr Sachsch\u00e4den<\/strong>: It doesn&#8217;t cover any damage to third-party property or your own vehicle.<\/li>\n\n\n\n<li><strong>Eingeschr\u00e4nkter pers\u00f6nlicher Schutz<\/strong>: Die pers\u00f6nliche Unfallversicherung f\u00fcr Fahrer und Beifahrer ist minimal.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Warum Sie eine freiwillige Fahrzeugversicherung in Betracht ziehen sollten<\/h2>\n\n\n\n<p>Given the limitations of compulsory insurance, it&#8217;s highly advisable to purchase additional voluntary motor insurance. Here&#8217;s why:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Umfassende Deckung<\/strong>: Die freiwillige Versicherung kann Sch\u00e4den an Ihrem eigenen Fahrzeug, Diebstahl, Feuer und Naturkatastrophen abdecken.<\/li>\n\n\n\n<li><strong>H\u00f6here Haftungssummen<\/strong>: Sie bietet in der Regel viel h\u00f6here Deckungssummen f\u00fcr Personen- und Sachsch\u00e4den bei Dritten.<\/li>\n\n\n\n<li><strong>Zus\u00e4tzliche Vorteile<\/strong>: Viele Policen enthalten Extras wie Pannenhilfe, Kautionsversicherung und mehr.<\/li>\n\n\n\n<li><strong>Anpassbare Pl\u00e4ne<\/strong>: Sie k\u00f6nnen Ihren Versicherungsschutz an Ihre speziellen Bed\u00fcrfnisse und Ihr Budget anpassen, indem Sie die Deckung f\u00fcr eigene Sch\u00e4den begrenzen oder eine Selbstbeteiligung festlegen.<\/li>\n\n\n\n<li><strong>Sorgenfreiheit<\/strong>: With comprehensive coverage, you can drive with confidence knowing you&#8217;re protected against a wide range of risks.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Zusammenfassung<\/h2>\n\n\n\n<p>While Compulsory Motor Insurance is a legal necessity in Thailand, it should be viewed as a bare minimum rather than sufficient protection. By investing in voluntary motor insurance, you&#8217;re not just protecting your vehicle &#8211; you&#8217;re safeguarding your financial future against the unpredictable nature of road accidents. Remember, the small additional cost of voluntary insurance can save you from potentially huge expenses in the long run.<\/p>\n\n\n\n<p>Bevor Sie eine Versicherung abschliessen, sollten Sie immer verschiedene Policen und Anbieter vergleichen, um den besten Versicherungsschutz f\u00fcr Ihre Bed\u00fcrfnisse und Ihr Budget zu finden. Wir w\u00fcnschen Ihnen eine gute Fahrt!<\/p>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re a vehicle owner in Thailand, you&#8217;re probably familiar with the term &#8220;Por Ror Bor&#8221; &#8211; the Thai abbreviation for Compulsory Motor Insurance. While this insurance is mandatory by law, many drivers are unaware&#8230;<\/p>","protected":false},"author":2,"featured_media":2181,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"slim_seo":{"title":"Compulsory Motor Insurance in Thailand - Is it enough? - 360 Consulting - Expat &amp; Legal Services","description":"Understanding Compulsory Motor Insurance Compulsory Motor Insurance, as the name suggests, is required for all vehicle owners in Thailand. Its primary purpose i"},"footnotes":""},"categories":[17],"tags":[69,73,74,70],"class_list":["post-2177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-compulsory-motor-insurance","tag-motorbike","tag-motorbike-insurance","tag-por-ror-bor"],"taxonomy_info":{"category":[{"value":17,"label":"Insurance"}],"post_tag":[{"value":69,"label":"compulsory motor insurance"},{"value":73,"label":"motorbike"},{"value":74,"label":"motorbike insurance"},{"value":70,"label":"por ror bor"}]},"featured_image_src_large":["https:\/\/360-consulting.co\/wp-content\/uploads\/2024\/07\/compulsory-motor-insurance-1024x536.jpg",1024,536,true],"author_info":{"display_name":"360 Consulting","author_link":"https:\/\/360-consulting.co\/de\/author\/360-consulting\/"},"comment_info":0,"category_info":[{"term_id":17,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":1,"filter":"raw","cat_ID":17,"category_count":1,"category_description":"","cat_name":"Insurance","category_nicename":"insurance","category_parent":0}],"tag_info":[{"term_id":69,"name":"compulsory motor insurance","slug":"compulsory-motor-insurance","term_group":0,"term_taxonomy_id":69,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":73,"name":"motorbike","slug":"motorbike","term_group":0,"term_taxonomy_id":73,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":74,"name":"motorbike insurance","slug":"motorbike-insurance","term_group":0,"term_taxonomy_id":74,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":70,"name":"por ror bor","slug":"por-ror-bor","term_group":0,"term_taxonomy_id":70,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/posts\/2177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/comments?post=2177"}],"version-history":[{"count":1,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/posts\/2177\/revisions"}],"predecessor-version":[{"id":2180,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/posts\/2177\/revisions\/2180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/media\/2181"}],"wp:attachment":[{"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/media?parent=2177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/categories?post=2177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/360-consulting.co\/de\/wp-json\/wp\/v2\/tags?post=2177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<!-- This website is optimized by Airlift. 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