Many people believe that if they have insurance, they will automatically receive compensation without any issues. But in reality, it’s not that simple — especially when the incident is so severe that it results in a broken leg that requires metal implants . The medical costs can reach hundreds of thousands of baht, plus many other related expenses, yet insurance companies still find ways to deny or minimize the payout by all possible means.
In this case, the victim was a minor who had to undergo surgery to insert metal plates and will continue to incur medical expenses in the future. However, what the family faced was fierce pushback from the insurance company. Even with all the required documents — the birth certificate and the father’s marriage certificate clearly proving the legal relationship — the insurance company still claimed that they could not confirm the father was truly the victim’s parent, despite having official documents right in front of them! The father was told he could not file a lawsuit to claim the rights on behalf of his child. So what should be done in this situation? Today, Wongsakorn Law Office would like to share some practical legal insights with you.
How do insurance companies dodge responsibility? See this case!
How Do Insurance Companies Avoid Liability? Check Out This Case!
Many people don’t realize that insurance companies can find loopholes to dispute almost anything. For example, in this case:
They claimed that the relationship certificate documents were incomplete, even though there was a clear birth certificate and the father’s marriage certificate.
They argued that the medical expenses were exaggerated, even though the victim needed repeated treatments and would have future costs for surgery to remove the metal plates.
They claimed the compensation claim was unclear — saying who was at fault hadn’t been concluded yet, despite full police evidence and the other party’s confession.
This shows clearly how insurance companies will try every possible way to reduce the amount they have to pay or to deny liability altogether.
What did we manage to claim in this case?
Despite facing many objections, our legal team prepared witnesses, gathered evidence, and managed the entire arbitration process until full compensation was successfully claimed according to the client’s rights, covering:
- All actual medical expenses incurred before submitting the dispute, including major surgery costs, room fees, and all related care costs.
- Future medical expenses for hardware removal surgery and ongoing physical rehabilitation.
- Loss of income during recovery due to inability to work.
- Loss of future earning capacity.
- Other non-monetary damages.
All of this ensures that the injured party receives what they are entitled to under the insurance policy, without being taken advantage of or forced to surrender to the insurance company.
Many people think that having the OIC (Office of Insurance Commission) is enough and there’s no need for a lawyer — is that really true?
Many people believe that when an incident happens, the Office of Insurance Commission (OIC) will help and that hiring a lawyer or legal advisor isn’t necessary and just an extra expense. But in reality, there have been many cases where people were confident they could handle it themselves through government channels — only to end up receiving no compensation or just a small amount, far from covering the pain and damages suffered.
👉 In this very case
you can clearly see that the insurance company already had lawyers and legal advisors prepared long before any claim even arose. They have complete strategies to counter every angle. But ordinary people, without legal knowledge, complete evidence, or experience to fight an insurer’s legal team, have a very high chance of losing their rights.
See how insurance companies have so many ways to avoid responsibility? Without someone who understands the legal game and knows how to counter these tactics, you are far more likely to be at a disadvantage.
Why Wongsakorn Law Office?
Wongsakorn Law Office is a legal team specializing in insurance cases and compensation claims for car accidents in particular. We fully understand the relevant laws, the evidence needed, and how to negotiate with insurance companies from all perspectives.
What makes us different is our experience and meticulous preparation that ensures you don’t miss your rights. We focus on evidence planning, thorough preparation at every step, and fighting to get you your full legal entitlement, no matter what tactics the insurance company uses to deny your claim.
If today you or someone you know faces the same problem — broken leg with metal implants due to a car accident,
the insurer refuses to pay, pays too little, or won’t pay at all —
don’t handle it alone and risk losing your rights or wasting time unnecessarily. Let Wongsakorn Law Office handle every step systematically to make sure you receive the full legal compensation you deserve.
>> Contact us << — We’re ready to serve you professionally ✅
