Coverage for the loss of a driver’s life due to an accident
Learn how to protect your family after being involved in an accident that results in death, as well as what to do in order to receive benefits for the beneficiaries.
How does motorbike insurance cover the driver in case of death?
All types of motorcycle insurance (type 1, 2, and 3) offer additional coverage in the event of the driver’s death as a result of an accident. Typically, the insurance follows the motorbike, not the driver. This means that if you let someone else ride your bike and they get in an accident, your insurance company will likely cover the loss.
This coverage is beneficial if you are injured in an accident or if you pass away as a result of an accident while you’re driving. In this unfortunate event, your family receives a lump-sum payment from the insurer.
Key Points
- The coverage is beneficial if you are injured in an accident or if you die as a result of the accident. The deceased’s family receives a lump-sum payment from the insurer.
- Different types of motorbikes offer different types of coverage as well.
- In filing a claim after the loss, there are documents required such as identification proof, proof of the beneficiary’s identity, and any other additional proof such as a police or car accident record.
Differences in coverage that type 2 and type 3 motorbike insurance offer in case of loss of driver
These are the differences that motorbike insurance types offer in case of an accident that causes the driver to pass away.
- Motorbike insurance type 2 – The premiums are less expensive than Type 1 motorbike insurance policies while also having similarities in coverage. Suitable for motorcycles under 5 years of age, offering coverage in the event of a fatal accident, with a maximum compensation of 50,000 baht.
- Motorcycle insurance type 3 – Affordable premiums that are expected to be paid quickly and easily. Suitable for motorbikes up to 10 years of age, offering compensation in case of death of the driver with a maximum payout of 50,000 baht.
Coverage exclusions in case of loss of driver
The insurance will not cover loss of driver is the accident is caused by one or more of the following:
- Alcohol influence – riding under the influence of alcohol, drugs, or any intoxicants more than 50 milligrams percentage
- Self-harm – it will be excluded if the cause is proven as self-inflicted injuries or suicide.
- Pre-existing injuries or disabilities – these are the injuries that are existing already before the accident.
- Illegal participation – this is the participation in any hazardous sports or activities.
- Criminal act – any criminal act like using the car for illegal purposes such as robbing or transporting drugs, etc.
- Mental disorders – if proven that the driver is mentally disordered or not in the proper mind, the coverage will not take effect.
- High speed – driving the motorbike at a high speed.
- Driving in a different place – using a vehicle outside the Kingdom of Thailand.
- Driving without a license – driving without a driver’s license will automatically be denied the benefits.
Motorcbike drivers face a numerous of dangers on the lane, and they are more likely to be in an accident, resulting in serious injury or even death. Therefore, protection is always important.
How beneficiaries will receive the death benefits
Beneficiaries earn death benefits in a number of ways, but here’s how it works in general:
- Contact customer service – ask for information about the company’s basic claims procedure.
- Submit a claim to the insurance company – You may start the process over the phone or file a death claim using specific forms.
- Prove your relation to the deceased person – Give a copy of the death certificate, as well as any other requested records, to the provider.
- Information about the accident – You will be asked to submit a copy of the accident or police report as well as other accident-related details.
- Receive the benefit – After you complete the paperwork, you can receive the compensation by mail or direct deposit.
Obtain the protection you need and the peace of mind you deserve.
Documents required to file a claim
The following documents are required when filing a claim in case of loss of driver:
- Identification proof – must provide a copy of ID card, copy of alien identity certificate, copy of passport, or any other government-issued evidence proving that the individual identified in the evidence is an accident victim.
- Proof of the beneficiary’s identity – it includes copy of the beneficiary’s ID card, as well as a copy of the beneficiary’s house registration and the statutory beneficiary’s identification card.
- Additional proof – it is a copy of the police officer’s daily record or other proof that the individual died as a result of a car accident.
Reasons why your claim might be rejected
Receiving a settlement for death insurance is, for the most part, simple. However, the insurance company can reject your claim due to the following reasons:
- The claim would be denied if the accident was not caused by riding the motorbike.
- Death benefits are subject to policy restrictions.
- If the driver who pass away is unemployed, income compensation can be refused.
- Future earnings will not be included in income benefits.
- A loss of income benefit can be rejected or postponed if the proof is inadequate.