Since our law office was established, there have been countless cases where Lawyer Arm had to file insurance lawsuits to protect the rights of victims. If we count in percentage, nearly 90% of the cases involved suing insurance companies that unfairly took advantage of injured victims or ordinary consumers.
Today, Wongsakorn Law Office would like to share one of these real-life cases as a lesson for everyone: a story of a deceitful insurance company that tried to exploit one of our clients, a woman who suffered a severe accident resulting in a skull fracture. Why did Lawyer Arm have no choice but to file an insurance lawsuit? Let’s break it down into episodes.
Ep.1 Beginning of the Case – When Ms. A Was Hit by a Car, and the Insurer Told Her to “Recover First”
Ms. A’s life changed in an instant when she was riding her motorcycle home and was struck by a speeding car. The accident caused her head to hit the ground violently, resulting in a serious skull fracture. She had to undergo multiple brain surgeries and long months of recovery, which ultimately caused her to be terminated from her job.
To make matters worse, when she filed a claim, the insurance company refused immediate payment and told her to “recover first and then claim later.” Fortunately, Ms. A and her husband refused to accept this injustice and sought help from Lawyer Arm, who immediately began the process to file a lawsuit against the insurance company.
Ep.2 The Insurance Company’s Trick – Combining Mandatory and Voluntary Coverage
According to the policy interpretation guidelines, Ms. A should have received 250,000 THB under mandatory coverage alone. However, during negotiations at the Office of Insurance Commission (OIC), the insurance company insisted on paying a combined total of 200,000 THB for both mandatory and voluntary coverage.
After our objection, they increased the offer to 250,000 THB (combined), which still violated the contract terms. With such unfair tactics, there was no choice but for Lawyer Arm to proceed with an insurance lawsuit.
Ep.3 In Court – The Insurance Company Lied
When the case reached court, the insurer’s lawyer falsely claimed that Ms. A had already been paid 400,000 THB. In reality, she had never received any such payment. This showed how far the insurance company was willing to go to deceive not only the victim but also the court.
Ep.4 Justice Achieved – Thanks to Experience and Strategy
Finally, due to Lawyer Arm’s persistence and expertise in insurance lawsuits, Ms. A received fair compensation:
- 250,000 THB (mandatory coverage)
- 700,000 THB (voluntary coverage)
A total of nearly 1 million THB, restoring her rights after months of exploitation by the insurer.
Filing an Insurance Lawsuit Is the Only Answer – Don’t Wait When You’re Being Taken Advantage Of, Consult a Lawyer Immediately
In Ms. A’s case, although justice was finally served, it came only after the insurance company had refused to pay and denied responsibility, which was as painful as her severe injuries.
Here’s the message we want to leave with everyone:
Whenever an accident happens, don’t wait to be exploited by the insurance company. Don’t fall for excuses like “recover first and then claim later.” If even a case as serious as Ms. A’s with a skull fracture could be dismissed and ignored by an insurer, then no one is safe from being taken advantage of.
👉 The only real solution is to file an insurance lawsuit.
Don’t delay, don’t wait for recovery as the insurer tells you that’s just the beginning of their attempt to exploit you. When you’re being treated unfairly, the only path to justice is to consult a lawyer and file a lawsuit.
📌 You can consult us immediately here >>Contact Us<<
Let us take on the responsibility and file the lawsuit without hesitation to fight for your justice.