Loss of use of vehicle

Should the OIC Look Into It? Understanding the “Contact the Insurance Company Within 15 Days” Statement on Insurance Claim Forms and What It Means for Consumers

Posted on by wongsakornsiri
22
Jul

When a road traffic accident occurs, most policyholders are familiar with the standard procedure of waiting for an insurance surveyor or claims adjuster to arrive at the scene to assess the damage and issue a document commonly referred to by the public as a “claim form,” which is then used to facilitate vehicle repairs or the filing of an insurance claim.

However, many people may not have noticed that some insurance companies include the following statement on their claim forms:

“Please contact the insurance company within 15 days to negotiate and agree on the repair costs and compensation for the damages.”

In addition, the claim form contains the following notice:
“Important: This document is not a repair authorization.”
Although consisting of only a few lines, this statement may cause many consumers to misunderstand their legal rights.
In this article, Lawyer Arm Supasit Siri of Wongsakorn Law Firm invites members of the public and consumers to examine the issue from the perspectives of law and consumer rights, with the aim of helping them better understand their legal entitlements and avoid unnecessarily forfeiting their rights.

What Role Does the Office of Insurance Commission (OIC) Play in the Insurance Industry?

The Office of Insurance Commission (OIC) is the regulatory authority responsible for supervising and promoting the insurance industry. Its role is to ensure that insurance businesses operate in compliance with the law and to foster public confidence in the insurance sector.

In practice, however, when a road traffic accident occurs, an insurance company’s surveyor will inspect the circumstances of the accident and prepare the relevant documentation for reporting the damage in accordance with the company’s claims procedures.

Nevertheless, the assessment of damages, the determination of liability, and the payment of insurance indemnity must still be based on the facts of the case, the terms and conditions of the insurance policy, and the applicable laws.
What Does the Statement “Please Contact the Insurance Company Within 15 Days to Reach an Agreement on the Repair Costs and the Amount of Damages” Mean?
Based on Wongsakorn Law Firm’s practical experience, many members of the public and consumers mistakenly believe that if they fail to contact the insurance company within 15 days, they will immediately lose their right to claim compensation.

Such a misunderstanding may cause consumers unnecessary concern or prompt them to take action before they have fully understood their legal rights.

In the view of Lawyer Arm Supasit Siri, this statement should be communicated more clearly to prevent the public from misunderstanding their legal rights. It is also important to distinguish between an insurance company’s internal claims procedures and a policyholder’s legal right to seek compensation, as these may constitute two separate legal issues.
What Is an Insurance Claim Form? 

A claim form, or damage assessment document, is a document issued by an insurance company after conducting a preliminary assessment of the damage. It is used to support the subsequent claims process or other related procedures.

However, the format and wording of such documents may vary from one insurance company to another.

Policyholders should therefore carefully read all the details before signing any document or taking any action based on it.

If any part of the document is unclear, they should seek clarification from the insurance company or obtain advice from a legal professional before proceeding.

Key Information Consumers Should Know After a Road Traffic Accident
After a road traffic accident, it is important not only to have your vehicle repaired but also to protect your legal rights. This includes:

  • Obtaining copies of all relevant documents;
  • Carefully reading every statement on the insurance claim form;
  • Seeking clarification if any part of the document is unclear;
  • Preserving all evidence and records relating to the accident;
  • Reviewing the terms and conditions of your insurance policy.

Having a clear understanding of your legal rights from the outset can help minimize the risk of future disputes. 

One key difference between insurance companies and consumers is that consumers often do not have legal representation.

Lawyer Arm Supasit Siri is of the view that one important difference between consumers and business organizations is that many organizations have in-house legal departments or legal counsel to provide ongoing legal support for their operations.

By contrast, most members of the public may be experiencing a road traffic accident for the first time and may therefore be unfamiliar with the procedures involved, their legal rights, or the legal implications of the documents they receive.

For this reason, obtaining relevant information or seeking advice from a legal professional before making important decisions is one way consumers can better protect their legal rights and interests.

What Should You Do If You Have Questions About Your Rights?
If a policyholder has questions regarding:

  • the insurance claim form;
  • vehicle repairs;
  • a denial of liability;
  • the payment of insurance indemnity; or
  • any statements or wording contained in documents issued by the insurance company.

As a first step, you should seek clarification from the insurance company to ensure that you fully understand the relevant documents and procedures.

If you still have questions about your legal rights, or believe that the proposed course of action may affect your rights or interests, consulting a lawyer is another option. Doing so can help you better understand the applicable law and make informed and well-considered decisions.
Purchasing insurance is not merely about paying insurance premiums. It also means understanding your rights and obligations when unexpected events occur.

In the view of Lawyer Arm Supasit Siri, any wording on an insurance claim form that may cause consumers to misunderstand their rights should be communicated clearly and accurately. This helps ensure that members of the public can exercise their legal rights correctly and reduces the risk of losing those rights due to misunderstanding.

If you are involved in a dispute with an insurance company—whether it concerns an insurance claim form, a refusal to authorize repairs, an insurance indemnity claim, or questions regarding a policyholder’s legal rights—Wongsakorn Law Firm is available to provide legal advice, assess your case, develop an appropriate legal strategy, and assist you in pursuing compensation from the insurance company in accordance with the law. To consult Lawyer Arm, please contact us.

Loss of use of vehicle

Loss of Use Compensation: Do You Really Have to Sign a Consent Form to Wait for Spare Parts? A Real Case from Wongsakorn Law Firm: Know Your Rights Before Dealing with an Insurance Company.

Posted on by wongsakornsiri
17
Jul

When a road traffic accident occurs, most people focus on getting their vehicle repaired and back on the road as quickly as possible. However, many policyholders overlook an important legal right—the right to claim Loss of Use Compensation. If a damaged vehicle cannot be used while it is undergoing repairs, the injured party may be legally entitled to compensation for the loss of its use. 

Based on the extensive experience of Lawyer Arm Supasit Siri of Wongsakorn Law Firm in handling insurance disputes, it has been observed that in many cases involving lengthy vehicle repairs, insurance companies ask consumers to sign documents consenting to wait for spare parts or agreeing to an extended repair period. Unfortunately, many consumers are unaware that signing such documents may later affect their legal rights, including their ability to claim Loss of Use Compensation or other forms of compensation available under the law.

Through this article, Lawyer Arm Supasit Siri shares insights drawn from actual cases handled by Wongsakorn Law Firm to shed light on legal issues that many consumers do not know. The goal is to help readers understand their legal rights before dealing with insurance companies and to avoid unintentionally waiving compensation to which they may be legally entitled.

Real Case: An Insurance Company Asked Our Client to Sign a Consent Form to Wait for Spare Parts

The case began when a client of Wongsakorn Law Firm was involved in a road traffic accident, and the damaged vehicle had to be repaired at an authorized service center.

During the repair process, a representative from the insurance company contacted Lawyer Arm Supasit Siri and stated that the client needed to sign a Consent to Wait for Spare Parts form, acknowledging and agreeing to the delay in repairs caused by the unavailability of spare parts.

Lawyer Arm immediately asked a straightforward question:

“If my client refuses to sign this document, will the insurance company still repair the vehicle?”

The insurance company’s response was:

“Yes, we will.”

Upon hearing this, Lawyer Arm asked a follow-up question:

“If the vehicle will be repaired regardless of whether the document is signed, why is my client required to sign it?”

The response was:

“It is simply to acknowledge that the customer has been informed.”

However, the key question remains:

Is the document truly intended only to acknowledge that the customer has been informed, or could it also affect the customer’s right to claim Loss of Use Compensation or other legal entitlements at a later stage?

Why Should You Carefully Consider Before Signing Such a Document?

In practice, the contents of these documents vary from case to case. If a document contains provisions relating to consenting to repair delays, agreeing to wait for spare parts, or other terms that may affect your legal rights, consumers should carefully read and fully understand every provision before signing.

Such documents may later be relied upon as evidence or referenced in the event of a dispute. Whether they affect your legal rights will depend on the specific wording of the document and the facts of each individual case.

For this reason, before signing any document, an injured party should ensure they fully understand its contents. If there is any uncertainty about the legal implications, it is always advisable to consult a lawyer before signing, in order to avoid unintentionally affecting any legal rights or potential claims.

What Is Loss of Use Compensation? 

Loss of Use Compensation refers to damages arising from an owner’s inability to use their vehicle while it is being repaired following an accident for which another party is legally responsible.

In other words, if your vehicle cannot be used during the repair period because of an accident caused by someone else, you may be legally entitled to claim compensation from the at-fault party or their insurance company for the loss of use.

For example:

  • A vehicle used for commuting to and from work
  • A vehicle used to transport children to and from school or other activities
  • A vehicle used for business purposes
  • A vehicle used to meet or transport clients
  • A vehicle used in the company’s day-to-day operations

When a vehicle cannot be used, the owner inevitably suffers inconvenience or financial loss. Accordingly, the law allows an injured party to claim compensation for such loss, subject to the facts of the case and the applicable legal principles. 

Why Do So Many People Unknowingly Lose Their Legal Rights? 

Based on the experience of Wongsakorn Law Firm, many accident victims focus primarily on getting their vehicle repaired as quickly as possible.

However, during the repair and insurance claims process, they are often asked to sign several documents. Many people simply assume:

  • “I’ll just sign it first.”
  • “The insurance representative told me to sign it.”
  • “It probably won’t affect anything.”

Unfortunately, when they later attempt to claim Loss of Use Compensation, those previously signed documents may become a point of dispute or be relied upon in the claims process.

This is why it is essential to carefully read and fully understand any document before signing it. A seemingly routine signature may later have significant implications for your legal rights and entitlement to compensation.

Key Point to Know: Insurance Companies Have Legal Support from Lawyers from the Very Beginning.

From the perspective of Lawyer Arm Supasit Siri, insurance companies operate through established procedures, internal systems, and with the support of legal counsel who provide advice throughout the claims process.

By contrast, most consumers are dealing with a traffic accident for the first time and may not fully understand their legal rights or the legal implications of the documents they are asked to sign.

Seeking legal advice is therefore not about creating unnecessary conflict. Rather, it enables injured parties to fully understand their rights and make informed decisions based on a complete understanding of the legal consequences before signing any document or proceeding with an insurance claim.
If You’re Involved in a Car Accident, Consult a Lawyer from Day One 

Many people wait until a dispute arises with an insurance company before seeking legal advice.

However, based on the experience of Wongsakorn Law Firm, obtaining legal guidance immediately after a traffic accident allows the matter to be handled in a structured and strategic manner, helping to protect your legal rights from the outset. This may include:

  • Preserving and collecting relevant evidence
  • Communicating and dealing with the insurance company
  • Reviewing documents before signing
  • Monitoring the vehicle repair process
  • Protecting your right to claim Loss of Use Compensation
  • Assessing the damages you may be entitled to recover under applicable law. 

Planning from the outset can significantly reduce the risk of unintentionally losing your legal rights.

A traffic accident does not end once the vehicle is sent for repairs. It may involve several legal rights that an injured party is entitled to pursue, particularly Loss of Use Compensation and Diminution in Value claims. Unfortunately, many people unknowingly compromise these rights by signing documents without fully understanding their legal consequences.

If you are currently experiencing issues with an insurance company—such as being asked to sign documents, agreeing to wait for spare parts, dealing with repair delays, claiming Loss of Use Compensation, or seeking compensation for your vehicle’s diminished value—do not rush to sign any document before carefully reviewing its contents. Understanding the legal implications in advance can help protect your rights and avoid unnecessary disputes later.

Wongsakorn Law Firm is ready to provide legal advice and help you develop an appropriate legal strategy from the very first day after a traffic accident. Our goal is to ensure that you fully understand your legal rights and can make informed decisions at every stage of the claims process.

Rather than waiting until a dispute arises, early legal planning can significantly reduce the risk of unintentionally losing the rights and compensation to which you may be legally entitled.

To consult Lawyer Arm, please click “Contact Us.” 

Loss of use of vehicle

Can Insurance Companies Decide Which Parts to Use When Repairing a Vehicle After an Accident? What Vehicle Owners Should Know Before Agreeing to Repairs

Posted on by wongsakornsiri
05
Jun

When a vehicle is damaged in an accident and requires repairs, many people assume that the role of an insurance company is to restore the vehicle to its pre-accident condition. In practice, however, disputes regarding vehicle repairs are quite common. These disputes may involve repair arrangements, the selection of replacement parts, or the disclosure of actual repair details.

An important question is whether an insurance company has the right to decide how a vehicle should be repaired on behalf of the vehicle owner. Equally important, what should vehicle owners check before accepting their repaired vehicle?

In this article, Attorney Arm Supasit examines a common practice in the insurance industry and highlights issues that consumers should be aware of.

What Does the Law Say About Vehicle Repairs Under an Insurance Policy? 

In principle, an automobile insurance policy is intended to compensate for losses or damages in accordance with the terms and conditions of the policy. However, there is no specific provision requiring an insurance company to procure replacement parts itself or to carry out all repair work on its own.

In general, insurance companies maintain networks of repair garages or service centers with which they work. This approach allows them to manage costs and control vehicle repair expenses more efficiently.

Nevertheless, vehicle owners remain entitled to receive repairs that are of appropriate quality and suitable for restoring the vehicle to its original condition before the accident.

Why Should Vehicle Owners Request a Copy of the Repair Estimate Every Time?

One thing that many consumers overlook is the vehicle repair estimate.

A repair estimate can be compared to a doctor’s treatment plan, as it sets out details such as:

  • Which parts will be replaced
  • Which components will be repaired
  • What type of replacement parts will be used
  • The labor charges and other related costs

Requesting and reviewing the repair estimate in detail allows vehicle owners to verify whether the repairs have been carried out according to the appropriate standards and to compare the repair work with the actual damage sustained by the vehicle.

If the repair details are not clearly disclosed, consumers may not even know what type of replacement parts have been installed in their vehicles.

What Is the Difference Between Genuine Parts, Aftermarket Parts, and Counterfeit Parts?

One of the most frequently debated issues in vehicle repairs concerns the type of replacement parts used. The differences are as follows:

1. Genuine Parts

Genuine parts are components manufactured by the vehicle manufacturer or officially approved by the manufacturer. They meet the original factory specifications of the vehicle.

2. Aftermarket Parts

Aftermarket parts are components manufactured by companies other than the vehicle brand owner. They can be used as replacements for original parts, although their quality may vary depending on the standards of each manufacturer.

3. Counterfeit Parts

Counterfeit parts are components that imitate genuine products or use trademarks without authorization. Such parts may constitute an infringement of intellectual property rights and may affect the safety of vehicle operation.

Vehicle owners should therefore clearly inquire about the type of parts being used in the repair process and whether such information is listed in the repair documentation.

If a Vehicle Originally Used Genuine Parts, How Should It Be Repaired?

A fundamental principle of insurance is to compensate for losses or damages in a manner that restores the property, as nearly as possible, to its condition prior to the incident.

Therefore, if a vehicle was originally equipped with genuine factory parts before the accident, the use of any other type of replacement part in the repair process should be clearly disclosed to, and approved by, the vehicle owner.

Consumers have the right to inquire about the parts being used in the repair process and to request supporting repair documentation for subsequent review and verification.

What Should You Do If Problems Are Found After Vehicle Repairs?

If a vehicle owner discovers any issues after receiving the repaired vehicle, such as:

  • Unsatisfactory repair work
  • Paint color mismatch
  • Defective replacement parts
  • Abnormal vehicle performance following the repair

the owner should promptly notify the repair garage, service center, or insurance company and retain all relevant evidence, including photographs, repair documents, and the vehicle handover receipt.

If the parties are unable to reach an agreement, consumers may file a complaint with the relevant regulatory authority or consult a lawyer to further assess their legal rights.

Repairing a vehicle after an accident involves more than simply sending the vehicle to a repair garage or service center and waiting to collect it. Vehicle owners should actively participate in reviewing the repair process at every stage, particularly with respect to the repair documentation and the types of replacement parts used.

Requesting repair documents, verifying the details of replacement parts, and closely monitoring the quality of the repair work can help consumers receive fair treatment and ensure that their vehicles are repaired appropriately and in accordance with the applicable standards.

If a dispute arises regarding vehicle repairs, insurance claims, or the rights of an insured person, seeking legal advice from a qualified professional at an early stage may help prevent further complications and protect those rights more effectively.

If You Encounter Vehicle Repair Issues, Do Not Let Your Rights Be Overlooked Seeking Legal Advice Early Is Often the Best Option

In practice, disputes relating to vehicle repairs after an accident occur more frequently than many people realize. These may involve unclear repair documentation, the use of replacement parts without prior notification, substandard repair work, or disagreements regarding the responsibilities of insurance companies and repair garages.

Importantly, consumers should not wait for problems to escalate or put themselves at a disadvantage. In many cases, reviewing documents, evidence, and policy terms from the outset may help prevent further losses and enable consumers to protect their rights more effectively.

Based on its experience in providing legal advice on insurance matters and motor vehicle accidents, Wongsakorn Law Office has found that many disputes can be resolved at an early stage when vehicle owners receive proper legal guidance before making important decisions.

Therefore, if you are experiencing issues relating to vehicle repairs, insurance claims, denial of liability, or disputes with repair garages or insurance companies, you may consult Wongsakorn Law Firm for legal advice and guidance on protecting your rights.

Most importantly, following a motor vehicle accident, you should not wait until a problem arises before consulting a lawyer. Establishing an appropriate course of action from the very beginning, preserving evidence, reviewing relevant documents, and communicating properly with the insurance company may be important factors in protecting your rights and interests in the long term.

“A single car accident may affect your rights for years to come. Seeking legal advice at an early stage is always better than attempting to resolve problems after the damage has already occurred.”

Loss of use of vehicle

Compensation for Car Accidents: If You Are at Fault, Can You Still Claim Insurance? Understand Before You Lose Your Rights

Posted on by wongsakornsiri
21
Mar

Car accident compensation in cases where you are at fault is a topic that often causes confusion. Accidents can happen to anyone whether you are a new driver or experienced. One of the most common questions is:

“If I am at fault, can I still claim compensation from my insurance company?”

Many people have been told by insurers that “you cannot claim because you are at fault,” leading them to believe they have no rights at all. However, in reality, car accident compensation involves more complex legal considerations, and in some cases, the insured may still have the right to claim.

This article and the accompanying video aim to clearly explain what rights you may have when you are at fault, and under what circumstances you can still claim additional compensation from your insurance company.

What Is Car Accident Compensation?

Car accident compensation refers to the amount paid by an insurance company to the insured or injured party to cover damages caused by an accident, such as:

  • Vehicle repair costs
  • Medical expenses
  • Damage to third-party property
  • Loss of use of the vehicle

However, the right to receive compensation depends on the type of insurance policy, policy conditions, and facts of the accident.

If You Are at Fault, Can You Still Claim Compensation?

Consider a real case where a driver lost control and slid off the road. When contacting the insurance company, they were told:

“You cannot claim because you are at fault.”

Legally, this situation must be analyzed in two key scenarios:

1. General Rule: When You Cannot Claim

If the insured is at fault, for example:

  • Crashing into a pole
  • Rear-ending another vehicle
  • Causing an accident due to negligence

In such cases, you generally cannot claim compensation from your own insurance company for damages caused by your own fault, especially if the policy has coverage limitations.

2. Exceptions: When You May Still Claim

Even if you are at fault, you may still be able to claim compensation if the insurance company:

  • Fails to perform its duties
  • Ignores or delays your claim
  • Does not control or manage repair costs
  • Fails to provide reasonable repair estimates
  • Causes unjustified delays (e.g., waiting indefinitely for assessment)
  • Rejects your claim without valid reasons

In such cases, you may claim damages resulting from the insurer’s negligence or improper conduct.

Examples of Claimable Situations

Case 1:
 You caused the accident, but the insurer delays repairs excessively
➡ You may claim compensation for loss of use

Case 2:
 The insurer fails to coordinate repairs
➡ This may be considered negligence

Case 3:
 The insurer rejects your claim without clear justification
➡ You may challenge the decision

👉 Therefore, being at fault does not always mean losing all rights to compensation.

Key Techniques for Claiming Compensation

Successfully claiming compensation in such cases requires Legal analysis, Evidence collection, Proper case structuring, Strategic claim presentation.

In practice, how the case is structured legally can significantly affect the outcome.

Importance of Having Car Insurance

Car insurance remains essential because it helps reduce financial burdens after an accident. Even if not all damages are claimable, insurance still covers:

  • Third-party liability
  • Medical expenses
  • Property damage

Choosing the right policy and understanding its terms is crucial.

Why Should You Consult a Lawyer?

Many people try to handle claims themselves. However, insurance disputes can be legally complex, especially when dealing with insurer misconduct.

Consulting a lawyer early helps you

  • Understand your rights
  • Evaluate your claim
  • Plan legal strategy
  • Avoid losing benefits

Being at Fault Doesn’t Mean Losing All Rights

Being at fault does not automatically mean you lose all rights to compensation. It depends on the facts and the insurer’s conduct.

If the insurance company acts improperly, delays, or rejects claims unfairly, you still have the right to seek compensation.

Consult a Lawyer to Protect Your Rights

If you are involved in a car accident whether at fault or not consulting a lawyer early is the best decision.

Proper legal guidance from the beginning can help you secure full compensation and protect your rights.

Wongsakorn Law Office, led by Lawyer Arm, is ready to assist you with professional legal strategies to safeguard your interests.
👉 Contact us today

Loss of use of vehicle

Car Depreciation Is a Legal Right Most People Don’t Know After an Accident, You Can Claim More Than You Think

Posted on by wongsakornsiri
16
Feb

When a car accident occurs, most people immediately think of repair costs and loss of use compensation, such as rental car expenses during repairs or the inconvenience of being unable to use their vehicle. However, there is another important legal right that many car owners overlook: car depreciation compensation.

Car depreciation is a type of damage that can be claimed under the law, and in many cases, it can amount to hundreds of thousands of baht.

Car depreciation refers to the reduction in a vehicle’s market value after an accident. Even if the car is fully repaired and can be used normally, in the resale market, a “previously damaged car” is worth less than a car that has never been in an accident. No one wants to buy a car with an accident history at the same price as an undamaged one. This is why the law allows victims to claim car depreciation in addition to repair costs and loss of use compensation.

What Is Car Depreciation and Why Is It Important?

Car depreciation means the economic loss caused by the reduction in a vehicle’s value after an accident, even if the car has been repaired and restored to working condition. In practice, a car that has been involved in an accident is perceived as having higher risk, a damage history, and a greater chance of future problems.

For example, a new car worth 1,200,000 baht that has never been in an accident may be resold at a high price. But once it is involved in an accident and repaired, no matter how well it is fixed, its market value may drop to only 1,000,000 baht.
The difference of 200,000 baht is the car depreciation, which can be claimed from the party at fault.

Common Problems Victims Face When Claiming Car Depreciation

In practice, claiming car depreciation is not easy. Many people are rejected by insurance companies or told that “it is not covered by the policy” or that “the law does not support such claims.” This causes victims to mistakenly believe that they have no right to claim depreciation compensation.

The main problems include:

  • Not knowing that car depreciation can be claimed
  • Not knowing how to calculate and prove the damage
  • Not understanding legal procedures
  • Lacking professional guidance to plan an effective legal strategy

As a result, many people accept only repair costs and loss of use compensation and unfortunately miss the opportunity to claim car depreciation.

To Receive a High Car Depreciation Claim, Legal Strategy Is Essential

Successfully claiming a significant amount of car depreciation does not depend on luck, it depends on the skills and legal techniques of a lawyer from the very beginning of the case. This includes:

1. Systematic collection of facts and evidence

2. Accurate assessment of the true value of damages

3. Proper legal planning and strategy

4. Choosing the most effective and time-efficient legal process

5. Avoiding unnecessary negotiations that waste time without results

In many cases, filing a lawsuit directly can be the most effective option, rather than repeatedly negotiating with insurance companies without reaching a clear conclusion.

Real Case Example – Claiming Car Depreciation Worth Hundreds of Thousands

In one case handled by Attorney Arm, the victim consulted a lawyer from the very beginning and explained the incident step by step in detail. The lawyer then gathered the information and prepared the case file systematically.

The key strategy in this case was not wasting time negotiating with the insurance company, but proceeding directly with legal action, as it was clear that negotiation would only delay justice.

The results were:

  • Car depreciation compensation of 100,000 baht
  • Loss of use compensation of approximately 99,000 baht
  • Repair time lasted 142 days

Notably, the car depreciation compensation was higher than the loss of use compensation. This clearly demonstrates that with proper legal strategy, victims can obtain fair and meaningful compensation.

After a Car Accident, Do Not Delay  Consult a Lawyer Immediately

Many people wait too long before thinking about claiming car depreciation, which can result in lost evidence or weakened legal positions. Consulting a lawyer from the beginning helps to:

  • Ensure that your right to claim car depreciation is not overlooked
  • Develop a careful legal strategy
  • Increase the chances of receiving higher compensation
  • Reduce the risk of being taken advantage of by the opposing party or insurance company

No one wants an accident to happen. But once it does, it is crucial not to let a lack of legal knowledge cause you to lose your rightful compensation.

Car Depreciation Can Be Claimed Do Not Let the Opportunity Slip Away

After a car accident, victims are not limited to claiming only repair costs and loss of use compensation. They are also entitled to claim car depreciation, which represents the true financial loss caused by the reduction of the vehicle’s market value.

Whether you receive a high or low depreciation claim depends on your legal strategy and the expertise of your lawyer. If handled properly from the start, your chances of obtaining full and fair compensation increase significantly.

If you have been involved in a car accident, do not let your opportunity to claim car depreciation slip away.

Consulting a lawyer from the beginning is the key to protecting your rights.

Wongsakorn Law Office is ready to provide professional legal consultation and strategic guidance to ensure that you receive appropriate compensation both for loss of use and car depreciation fully and fairly.

  • Car accident? Do not wait and lose your opportunity.
  • Consult a lawyer today to claim car depreciation correctly and effectively.

Wongsakorn Law Office – Standing by your side in every legal matter.

Loss of use of vehicle

A Cautionary Tale of “Loss of Use of a Vehicle”: When Insurance Companies Shift the Blame to Consumers Who Is Truly Responsible?

Posted on by wongsakornsiri
13
Jan

Those who regularly follow legal content on the Wongsakorn Law Office website will notice that loss of use of a vehicle is one of the recurring legal issues that causes significant hardship to insured persons. Many cases reveal a troubling pattern in which insurance companies attempt to avoid liability or shift the burden onto policyholders, even though the damage results from accidents and repair processes beyond the insured’s control.

Loss of use of a vehicle is not a new legal concept. However, many consumers remain unaware of their legal rights, leading them to accept losses without receiving fair compensation. This article presents another real-life case that clearly illustrates why having a lawyer involved from the very beginning is critically important once damage occurs.

What Is “Loss of Use of a Vehicle”?

Loss of use of a vehicle refers to damages that a vehicle owner is legally entitled to claim when they are unable to use their vehicle under normal circumstances due to reasons not caused by their own fault for example, when the vehicle is damaged in an accident and must undergo lengthy repairs, preventing its use for work, business, or daily life.

Such damages may be claimed even if the injured party does not rent a replacement vehicle, provided it can be proven that the vehicle was normally in use and that the inability to use it caused actual damage. However, the method and effectiveness of claiming loss-of-use damages largely depend on the legal techniques and strategies employed by the lawyer handling the case, which can significantly affect the amount recoverable.

Nearly 200 Days in Repair Who Should Be Held Responsible?

In one illustrative case, the victim’s vehicle was severely damaged in an accident and required nearly 200 days of repair far exceeding a reasonable repair period. Due to this prolonged delay, the victim was unable to use the vehicle and therefore appointed a lawyer to pursue compensation, including loss-of-use damages, from the insurance company. However, what transpired in court raised serious concerns regarding the insurer’s conduct.

Blame Shift No. 1: “The Insured Voluntarily Chose the Repair Center”

The insurance company argued that:

“The plaintiff voluntarily chose to repair the vehicle at that service center, fully aware that the repair queue would take several months.”

In other words, the insurer attempted to shift responsibility onto the insured, claiming that the insured must bear the consequences of the repair delay. In reality, insured persons often have little bargaining power and must rely on repair processes controlled by insurers, particularly regarding repair cost approvals.

Blame Shift No. 2: Passing Responsibility to the Repair Center

After blaming the insured, the insurance company further shifted responsibility to the repair center, citing long repair queues. However, evidence showed that the insurer itself contributed to the delay through slow repair approval processes.

As a result, the insured was left in a situation where “no one takes responsibility,” despite being the insurer’s customer. This raises a crucial question: When should an insurance company, as the insurer, be held accountable to its policyholders?

Not Sure Where to Start After an Accident? Learn to Protect Yourself Through Wongsakorn Law Office’s YouTube Channel

After an accident, many people are unsure how to begin claiming loss-of-use damages, what to say to insurance companies, what documents are required, or whether the insurer’s explanations should be accepted. Numerous cases demonstrate that individuals who pursue claims on their own often face rejection, blame-shifting, or legal misinformation, ultimately giving up without fair compensation.

In truth, loss of use of a vehicle is a legally recognized right, and insurance companies cannot deny liability merely by citing long repair queues or claiming that the insured selected the repair center. The real issue is not the absence of rights, but the lack of knowledge on how to properly exercise them.

If you are unsure where to begin, we recommend following Wongsakorn Law Office’s YouTube channel, which offers real case studies, legal insights, and practical strategies regarding loss-of-use claims and insurance disputes in an easy-to-understand format empowering you to stay informed and avoid being taken advantage of.

Knowing your rights, knowing the techniques, and understanding insurance practices from the very first step can make all the difference.

Why Is It Crucial to Have a Lawyer from the Start?

This case clearly demonstrates the importance of involving a lawyer immediately after damage occurs. A lawyer can:

  • Develop a compensation strategy from the outset
  • Collect evidence regarding vehicle usage and repair duration
  • Properly assess loss-of-use damages
  • Prevent unfair denial of liability by insurance companies

In contrast, many victims first attempt to handle matters themselves and only consult a lawyer after repeated denials by which time they may have already lost critical legal advantages.

Consult a Lawyer Immediately Better Than Trying Alone and Receiving Nothing

This nearly 200-day repair case serves as a powerful reminder that victims should not bear the burden of delays and unfair treatment alone. Once damage occurs, insured persons’ rights deserve genuine protection.

If your vehicle has been in long-term repair or your loss-of-use claim has been denied, do not wait for the damage to escalate. You may consult a lawyer immediately to plan a fair, lawful, and strategic compensation claim from the very beginning. Consult a lawyer today Click “Contact Us”

Loss of use of vehicle

“Knock for Knock Form” A Small Thing Every Insured Driver Must Know Before It Becomes a Big Problem Insurance Companies Never Tell You

Posted on by wongsakornsiri
15
Dec

When it comes to motor insurance whether it is first-class, second-class, or third-class insurance many people believe that simply “having insurance” is enough. If an accident occurs, they assume they can just call the insurance company, wait for the surveyor, and everything will be resolved smoothly.

In reality, motor insurance involves many important details that most policyholders either do not know or have never been told. One of the most crucial documents that every insured driver should always keep in their vehicle is the “Knock for Knock Form.”

This single sheet of paper can save you time, prevent disputes with the other party, and protect you from future insurance claim problems.

In this article, Attorney Arm shares real-life experience to help insured drivers understand their rights and avoid mistakes in emergency situations.

A Real Experience! When Even a Lawyer Faces a “Knock for Knock” Issue

One day, Attorney Arm was involved in a rear-end collision. His vehicle was damaged, but fortunately, no one was injured and the damage was not severe.

At the time, both parties were in a hurry. Attorney Arm politely asked the other driver:

“Do you accept responsibility?”

The other party appeared confused, even though under traffic law, rear-end collisions clearly place fault on the vehicle behind. To avoid prolonging the situation, Attorney Arm then asked:

“Do you have a Knock for Knock Form?”

This form is issued by insurance companies to their policyholders. Both parties agreed to fill out and exchange the Knock for Knock Forms and then left the scene calmly, without argument or conflict.

The Problem Begins When the Other Party Calls Their Insurance Company

After leaving the scene, the other driver contacted their insurance company and told the call center that:

“The other party was in a hurry and wanted to exchange claim forms.”

Surprisingly, the insurance staff responded:

“That is not allowed. Our officer must inspect the accident scene.”

Attorney Arm then contacted the insurance company’s call center himself, politely explaining the situation and asking for the staff member’s name, but received no clear response.

He explained that the Knock for Knock Form clearly states:

“In the event of an accident, please complete this form, exchange it with the other party who has the same form, and leave the scene without waiting for an insurance officer.”

Unexpectedly, the insurance staff replied that they were “not familiar with the Knock for Knock Form,” even though it was issued by their own company.

When an Insurance Company Does Not Recognize Its Own Document

This incident left Lawyer Arm puzzled. How could an insurance company employee be unaware of a document issued by their own company?

This is a situation many policyholders may encounter but do not know how to handle. Some may simply comply with the insurance company’s instructions, believing that “they must know better.”

In fact, policyholders have the right to use the Knock for Knock Form in accordance with their insurance policy.

An Important Lesson for All Insured Drivers

This case clearly demonstrates that:

  • Even if you have insurance
  • Even if you do everything correctly
  • If you do not understand your own rights, you may still face claim denial or unnecessary delays

This is why policyholders should not rely solely on what insurance companies say, but must also understand their policy documents and rights.

What Should You Do If an Accident Occurs and You Have a Knock for Knock Form?

1.Stay calm and do not act emotionally
 Accidents can happen to anyone.

2.Exit the vehicle politely and speak calmly to the other party
 A friendly attitude can prevent escalation.

3.Complete and exchange the Knock for Knock Form
 No need to wait for an ins insurance officer if the form allows it.

4.Take photos of the damage and accident scene
 Keep evidence.

5. Keep all documents safely

What If the Insurance Company Refuses to Process the Claim?

If you encounter situations such as:

  • The insurance company refuses to pay
  • Staff claim it is “not possible” despite clear documentation
  • Liability is denied without reasonable explanation

Do not let yourself become a victim.

You may consult a lawyer immediately, especially one experienced in insurance law. Insurance companies have legal teams involved in every case, even before accidents occur.

Having Insurance Is Not Enough You Must Know Your Rights

Insurance exists to protect policyholders, not to create problems.

The Knock for Knock Form is your right. Knowing how to use it correctly can save you time, money, and stress.

If you experience problems with insurance claims, vehicle accidents, or unjust claim denials, do not hesitate to consult Wongsakorn Law Office, so you do not become a victim of the insurance system you paid for.

Loss of use of vehicle

The Repair Shop Said “No Signature, No Repair” But the Car Still Got Fixed Because Someone Knew Their Rights!

Posted on by wongsakornsiri
24
Nov

Car owners must understand their legal rights before becoming victims of insurance companies.

In recent months, issues involving car repair shops and the insurance claim process have become unavoidable for many vehicle owners. One common situation is when a repair shop demands that the owner sign a document acknowledging that the repair will take more than 15 days and refuses to repair the car unless the owner signs. In reality, however, car owners are not required to sign any such documents unless the insurance policy explicitly includes that requirement.

Many people may not realize that the auto insurance policy they purchased does not require them to travel to the repair shop to sign a consent form regarding the repair timeframe. Buying insurance means purchasing a service from the insurance company. Once the insured pays the premium, they are entitled to convenience not extra burdens imposed afterward.

You Paid for a Service, Yet You’re Not Receiving It — Why?

There are two main reasons:

1. Repair shops want to protect themselves

If the repair takes longer than expected, they want the insured to accept it in advance so they won’t be held liable for compensation such as loss of use or delays.

2. Some insurance companies shift their responsibilities to the victims

In truth, arranging a repair shop is the insurer’s responsibility, not the car owner’s.

But what happens is that many victims, afraid their cars will not be repaired, sign whatever the repair shop asks. As a result, they go from being a victim of the accident to becoming a victim of the insurance process as well.

Did You Know? You Have the Right NOT to Sign

Under general insurance principles, if the policy does not require a signature, the car owner has no obligation to sign anything, including:

  • Repair timeframe consent forms
  • Consent to use aftermarket/non-OEM parts
  • Consent to send the vehicle to a specific repair shop

Paying your insurance premium means:

➡ The insurer must provide service and convenience—not impose additional burdens.

A Real Case from Lawyer Arm: No Signature at All, Yet the Car Was Fully Repaired

In a recent case involving Lawyer Arm’s own company car, an employee driving the vehicle was involved in an accident. When the car was sent to a repair shop, the shop said:

“If the owner or Lawyer Arm does not sign to acknowledge a repair period of more than 15 days and agree to the use of a mix of genuine and non-genuine parts, the shop will not repair the car.”

Most victims would rush to sign out of fear that the repair shop might refuse to fix their car. However, Lawyer Arm emphasizes that the insurance policy contains no such requirement, and neither the insurance company nor the repair shop has the authority to force victims to sign documents not specified in the policy.

Because Lawyer Arm specializes in insurance litigation, he did not sign anything or contact the repair shop further knowing that the repair shop was legally required to complete the repair without such conditions.

And finally, the repair shop itself called to inform Lawyer Arm that the car was ready for pickup.
The vehicle was fully repaired without a single signature.

This case clearly shows that if victims do not know their rights and follow everything the repair shop or insurance company says, they may become victims without realizing it.

Why Do Victims Usually Lose Against Insurance Companies?

Because…

➡ Insurance companies have lawyers before the accident even happens, but victims have no one.

Insurance companies have legal teams trained to minimize liability. Victims who lack legal knowledge are easily misled, pressured, or provided incomplete information, causing them to sign documents they shouldn’t.

This is why many people become double victims:
– Their car is damaged
– They lose time
– They lose money
– And they unknowingly lose their legal rights

Meanwhile, insurance companies can simply deny liability.

✔ Consult a lawyer immediately after an accident
 A lawyer can assess your rights, damages, and the correct procedures.
Even one mistake can give insurers grounds to deny compensation.

✔ Do NOT sign anything from the repair shop unless you are certain
 Especially documents not mentioned in your policy.

✔ Let your lawyer communicate on your behalf
 This prevents pressure, manipulation, or misinformation from repair shops or insurers.

Key Takeaways Every Car Owner Must Remember

Because no one should suffer due to not understanding insurance company tactics

1) Repair shops have no authority to force you to sign

If it’s not in your policy, you are not required to sign anything.

2) Insurance companies must provide service not burden you

Finding a repair shop is the insurer’s responsibility.

3) Not knowing your rights = Disadvantage

Insurers have legal teams; victims often have none.

4) Handling the claim alone can worsen the situation

You may receive less compensation than you deserve or nothing at all.

5) Having a lawyer from the beginning reduces the risk of denied claims

Every step impacts your legal rights.

If You’re Having Problems with a Repair Shop

Or if an insurance company is asking you to sign documents you’re unsure about…

Do NOT wait until your claim is denied.
 Do not handle everything alone and risk getting nothing.

Wongsakorn Law Office is ready to protect victims from being taken advantage of by insurance companies.
No one should lose simply because they don’t understand the insurer’s tactics.

📞 Contact us today: 062-195-1661

Loss of use of vehicle

Consumer Warning in Car Accident Cases! When Insurance Companies Outsmart You by Refusing Repairs and Accusing Victims of “Staging the Crash”

Posted on by wongsakornsiri
20
Nov

As car accident cases continue to rise, many consumers still believe that once an accident occurs, the insurance company will handle everything, arranging repairs, assessing damage, and compensating the injured party fairly. Unfortunately, reality is far from this assumption. Many insurance companies adopt strategies to avoid responsibility: refusing to repair, claiming documents are incomplete, or even alleging that the victim contributed to the incident.

One such case involves an elderly woman, a case that has now become an important lesson for all consumers regarding their rights in car accident disputes.

Insurance Company Ignored the Case for 2 Full Months No Repairs, No Assessment, No Response

The incident began when the elderly woman’s car was hit and severely damaged. Instead of arranging repairs as required, the at-fault driver’s insurance company did nothing.
For two months, they:

  • did not contact her,
  • did not assess the damage,
  • did not bring the vehicle in for repair.

The woman, who had no legal knowledge, had no idea what to do. People around her advised her to file a complaint with the OIC (Office of Insurance Commission). However, it is widely known that the OIC often works in ways that lean toward supporting insurance companies. Starting the process this way may cause unnecessary delays and potential loss of rights.

Fortunately, she had not filed the complaint yet and instead chose to consult the Lawyer Arm from Wongsakorn Law Office.

Lawyer Arm Immediately Took Over the Case and Issued a Formal Notice Demanding Repairs

After reviewing all the details, Lawyer Arm found that the case carried a high risk of the insurance company misleading the victim or avoiding responsibility.

The office immediately drafted and sent a formal letter to the insurance company instructing them to:

  • bring the damaged vehicle in for repair,
  • restore it to its pre-accident condition,
  • fulfill all duties required under the insurance policy.

Importantly, the letter did NOT demand any repair costs from the insurance company; it merely required them to take the car and repair it, as the responsible insurer.

From Rejecting Repairs to Suddenly Requesting Documents and Asking for Repair Estimates

After receiving the letter, the insurance company shifted their attitude and responded by requesting:

  • repair cost estimates,
  • repair shop details,
  • labor costs,
  • parts pricing,

which they claimed were needed for “price control procedures.”

Although it might sound reasonable, in reality…

 This is a strategy designed to shift responsibility onto the victim.

Why Did the Lawyer Advise “Do NOT Prepare Repair Estimates”?

According to Lawyer Arm, preparing repair estimates poses high risks, because the insurance company could later accuse the victim of:

  • providing a fake estimate,
  • listing incorrect parts,
  • inflating prices,
  • adding unnecessary items.

They could even file a counter-lawsuit against the victim, claiming attempted fraud.

Most consumers have no idea this can happen.

The Truth: It Is NOT the Victim’s Duty to Find Repair Shops or Prepare Cost Estimates

In car accident and insurance law:

  • The insurance company must manage all repair arrangements.
  • The insurance company must select the repair garage.
  • The insurance company must assess repair costs.
  • The insurance company must restore the car to its original condition.

The victim has zero responsibility to prepare repair estimates.

Therefore, the insurance company’s attempt to push this duty onto the victim is a clear violation of proper procedure.

What Is the Insurance Company Afraid Of? Poor Repairs? Additional Liability? Compensation for Loss of Vehicle Use?

Many people wonder:

  • Are they afraid repairs will not meet standards?
  • Are they afraid they will incur additional liability if problems arise later?
  • Are they afraid they will have to pay loss of vehicle use compensation while the car is being repaired?

Regardless of the reason, the victim should not be forced to bear these burdens.

Main Lesson: Consumers Need a Lawyer Because Insurance Companies Already Have Lawyers Before the Crash Even Happens

Most people do not realize:

Insurance companies already have lawyers prepared before any car accident occurs.
They have time, legal resources, and strategies ready to reduce liability.

But consumers usually:

  • have no legal advisor,
  • have no knowledge of their rights,
  • lack experience dealing with insurance tactics.

Thus, when an accident occurs, consumers should consult a lawyer to:

  • protect their rights,
  • prevent unfair treatment,
  • compel the insurance company to fulfill its duties,
  • avoid being pushed into taking responsibility for things they shouldn’t.

Don’t Let Insurance Companies Manipulate Your Rights

This case shows how some insurers may:

  • reject repairs altogether,
  • accuse the victim of staging the crash,
  • demand documents the victim is not responsible for,
  • twist procedures to avoid paying compensation.

Consumers must stay informed and have a professional to protect their interests.

If you are facing a car accident dispute, if your insurance company refuses repairs, or if you feel the company is avoiding responsibility:

👉 Consult Lawyer Arm – Wongsakorn Law Office
 📞 Tel: 062-195-1661

Loss of use of vehicle

A Cautionary Case: Only 3 Days Before the Statute of Limitations Expired: Why “Loss of Use of Vehicle Compensation” Matters and Why You Must Consult a Lawyer Early?

Posted on by wongsakornsiri
19
Nov

When a car accident occurs and your vehicle is damaged to the point that it cannot be used, one type of compensation that many victims often overlook is “loss of use of vehicle” compensation. This is a legal right that every victim is fully entitled to claim. However, in reality, many people never receive this compensation because they do not know their rights or they wait until the statute of limitations is almost over.

This is a real case involving Mr. A, which has now become an important reminder for every driver.

Only 3 days left before the statute of limitations expired and still no response from the insurance company

Mr. A was involved in a serious accident nearly two years ago. His car was severely damaged and unusable. Legally, he was entitled to:

  • Repair costs
  • Towing fees
  • Compensation for damaged property
  • And most importantly: loss of use of vehicle compensation

But almost two years passed, and the insurance company:

  • Never contacted him
  • Never informed him of any progress
  • Never paid a single baht

Why?

Because…

The insurance company hoped they wouldn’t have to pay at all.

If the statute of limitations expired, the company would not have to pay anything.

The expiration date fell on the 17th, which was a Sunday meaning there was practically no time left to file anything.

If Mr. A had not urgently consulted a lawyer, everything would have been lost forever.

This is something most drivers do not know.

But it is exactly what insurance companies hope will happen.

The beginning of the problem: The insurer claimed “This car model has no repair shop available.”

The insurer told Mr. A:

“This car model has no authorized repair center.”

But legally, it is not the vehicle owner’s responsibility to find a repair shop. It is the insurance company’s duty to fix the vehicle and return it to normal condition.

Insurance companies cannot escape liability by giving excuses like this.
However, many victims do not know the law, and therefore unknowingly accept unfair treatment.

Demand letter issued within one day and the insurer immediately agreed to pay everything

Many lawyers might have told him to wait 3–7 days, or follow the standard insurance procedures.

But waiting in this case meant the statute of limitations would expire, and Mr. A would get nothing.

Lawyer Arm from Wongsakorn Law Office acted immediately:

  • Prepared and issued an urgent demand letter
  • Stated clearly:
    “Provide compensation by 3:00 PM today.”

What many would think is “impossible”… actually happened.

The insurance company responded and agreed to pay all claimed damages immediately.

No further review. No additional procedures.This means the insurer could have done this all along, but simply chose not to for almost two years.

The insurance company offered full compensation including loss of use of vehicle

After receiving the demand letter, the insurer agreed to pay all damages, including:

  • ✔ Car repair costs
  • ✔ Towing costs
  • ✔ Property damage
  • ✔ Loss of use of vehicle
  • ✔ Additional related damages

Totaling over 100,000 THB.

This happened simply because the case was handled before the statute of limitations expired, and legal action was taken promptly.

What is loss of use of vehicle compensation, and why is it so important?

This compensation covers the period when your car cannot be used, such as:

  • Cost of renting a replacement vehicle
  • Additional transportation expenses
  • Loss of income if the car is used for business

Even if you did not actually rent a replacement car, you can still claim compensation based on standard court rates.

But many people never receive this compensation because:

  • They don’t know their rights
  • They never file a demand
  • They have no lawyer assisting
  • They let the statute of limitations expire

This case is a major lesson never wait until the last minute

Mr. A drove all the way from Prachinburi to meet Lawyer Arm. Thankfully, he still had 3 days left.

But many victims are not as lucky.

Reasons why people lose their right to compensation:

  • They assume the insurance company will “handle everything”
  • They are afraid of consulting a lawyer
  • They don’t know when the statute of limitations ends
  • They simply let time pass

Important truth: Insurance companies “have lawyers from day one even before the accident happens.”

Insurance companies have a full legal team ready at all times.

Ordinary people usually have no legal guidance, which puts them at a major disadvantage.

That is why victims should:

Consult a lawyer immediately on the day the accident happens.

Doing so helps you:

  • Understand your rights
  • Avoid being misled
  • Know exactly what damages you can claim
  • Prevent the statute of limitations from expiring

Don’t let insurance companies get what they hope for. Consult a lawyer from day one.

Mr. A’s case ended successfully, with full compensation received.
But only because:

  • He still had 3 days left, and
  • He decided to seek legal help in time

If you have been waiting for an insurance response…
If it has already been months or years…
If you don’t know where to start…

Do not wait another day.

Once the statute of limitations expires, you lose everything.

Consulting a lawyer early is the only way to protect your rights and ensure you receive:

  • Loss of use of vehicle compensation
  • And all other damages you are legally entitled to

Contact us at Wongsakorn Law Office to get proper legal support today.

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