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.

Activity

Wongsakorn Law Firm Shares Practical Experience with Chinese Language Interns

Posted on by wongsakornsiri
21
Jul

On 30 June 2026, Wongsakorn Law Firm held a certificate presentation ceremony for Ms. Patcharaporn Phosarat (Nesle), a student from the Department of East Asian Studies, Faculty of Arts, Silpakorn University, following the successful completion of her two-month professional internship.
The certificate was presented by Lawyer Arm Supasit Siri, Managing Director of Wongsakorn Law Firm, in recognition of her dedication and achievements throughout the internship, while also encouraging her as she embarks on her future career path.

Throughout her internship, Nesle gained hands-on experience in the firm’s Corporate Communications Department, where she fully utilized her Chinese language skills. Her responsibilities included serving as a Chinese interpreter, assisting lawyers with Chinese-language matters, translating legal documents, translating articles for the firm’s website, and creating and updating Chinese-language content on Douyin to support communication with Chinese clients. These valuable practical experiences are difficult to acquire through classroom learning alone.

On the occasion, Lawyer Arm Supasit Siri shared the firm’s vision behind welcoming student interns. He noted that the continuous growth of Chinese investment and business activities in Thailand has significantly increased the demand for professionals who possess Chinese language proficiency and can apply those skills in the legal field. By offering internship opportunities, the firm aims to help develop high-quality talent equipped with practical experience and prepared to meet the evolving needs of the future job market and business sector.

Lawyer Arm Supasit Siri also shared a message with all students:
“An internship is real work.” he emphasized that an internship is a valuable opportunity because it allows students not only to learn the practical aspects of their work but also to understand organizational culture, collaborate with colleagues, become familiar with office workflows, develop time management and a sense of responsibility, and adapt to a real working environment. These experiences help build resilience, strengthen professional readiness, and give students the confidence to enter the job market.

Wongsakorn Law Firm firmly believes that investing in the development of the younger generation is an important step toward cultivating high-quality professionals for both society and the legal profession in the future.

Activity

Wongsakorn Law Firm Visits Yaoyao Infor Tech (Thailand) Co., Ltd.: Legal Planning Before Problems Arise

Posted on by wongsakornsiri
20
Jul

On 17 July 2026, Mr. Thanipat Manopat, a representative of Wongsakorn Law Firm, acting as the legal counsel for Yaoyao Infor Tech (Thailand) Co., Ltd., visited the company’s executives and staff to provide legal consultation on human resource management. He was accompanied by Ms. Amphon Chaisodsai, an intern from the Faculty of Liberal Arts, Chinese Language and Culture Program, Thammasat University, who served as the Chinese interpreter during the meeting. Her interpretation facilitated smooth and effective communication between both parties, allowing the discussion to proceed efficiently.

During the meeting, legal advice was provided on several key issues concerning employee termination, including the review and revision of the company’s work rules and regulations to ensure compliance with its business operations and Thai labor laws. In the afternoon, both parties also discussed approaches to determining wage structures and managing livestream employees, with the aim of ensuring that the company’s operations remain appropriate, legally compliant, and less vulnerable to future labor disputes.

The meeting was conducted in a warm and welcoming atmosphere, with the company’s executives extending a gracious reception to the team. This reflected the strong relationship between Wongsakorn Law Firm and its client through its role as the company’s legal counsel. Rather than waiting for legal disputes to arise before seeking solutions, the company places great importance on legal planning as an integral part of its business operations, helping to prevent risks before they become problems.

Yaoyao Infor Tech (Thailand) Co., Ltd. is another example of an organization that places great importance on legal risk management by consulting its legal counsel before making decisions on key business matters, whether related to labor issues, human resource management, or the formulation of internal company policies. This proactive approach enables the company to conduct its business with greater confidence, minimize legal risks, and serves as a valuable model for other organizations seeking sustainable and long-term growth.

Activity

Taking a Step Toward Corporate Collaboration: Wongsakorn Law Firm Visits Zhongtian Overseas Engineering (Thailand) Co., Ltd. to Present Legal Services for Businesses

Posted on by wongsakornsiri
15
Jul

On 15 July 2026, Wongsakorn Law Firm visited Zhongtian Overseas Engineering (Thailand) Co., Ltd. to present its corporate legal services. The company is a full-service construction contractor engaged in construction and real estate projects of all types, employing approximately 800–1,000 staff. The delegation was led by Krittaphak Siritheppa, a senior Chinese-speaking legal assistant, accompanied by Amphon Chaisodsai, a Chinese interpreter from the Faculty of Liberal Arts, Chinese Language and Culture Program, Thammasat University, and Sarinee Saelao, a Chinese-language internship student from Southwest University, China.

The meeting was held in a warm and friendly atmosphere. The company’s executives and representatives showed great interest in the legal services offered by Wongsakorn Law Firm and asked further questions on various topics, including legal risk management, corporate dispute resolution, and preventive legal advisory services. These are among the key considerations for companies when selecting a corporate legal advisor in today’s business environment.

The meeting was held in a warm and friendly atmosphere. The company’s executives and representatives showed great interest in the legal services offered by Wongsakorn Law Firm and raised a number of questions regarding legal risk management, corporate dispute resolution, and preventive legal advisory services. These areas are considered key elements of having a corporate legal retainer in today’s business environment. 

This visit marks another important step for Wongsakorn Law Firm in expanding its engagement with both Thai and international businesses, particularly Chinese investors and companies operating in Thailand. Based on the initial discussions, both parties see positive potential for future cooperation regarding corporate legal retainer services. This reflects Wongsakorn Law Firm’s commitment to continuously enhancing the quality of its legal services and its readiness to support clients’ business operations under Thai law and internationally recognized standards. 

Activity

A New Milestone of Success: Wongsakorn Law Firm Celebrates the Opening of Building C

Posted on by wongsakornsiri
01
Jul

On 28 June 2026, Wongsakorn Law Firm proudly marked another significant milestone with the blessing ceremony for its new Building C, symbolizing the firm’s continued growth and organizational development. Under the leadership of Lawyer Arm Supasit Siri, Founder and Managing Director of Wongsakorn Law Firm, this expansion reflects not only the firm’s achievements but also its unwavering commitment to enhancing the quality of legal services to accommodate its growing organization and the increasing trust of its clients.

The blessing ceremony was graciously led by five Buddhist monks from Wat Suthat Thepwararam Ratchaworamahawihan, who chanted the Mahāsamaya Sutta to invoke blessings for the new office, its personnel, and all future visitors. The resonant chanting throughout the building created an atmosphere of serenity, faith, and auspiciousness, marking a meaningful beginning for the new office.

The firm was also honored by the presence of Phra Ajarn Khwan from Wat Thap Yai Chiang, Phitsanulok Province, who presided over a meditation and blessing ceremony. He also performed the traditional blessing of the office entrance and the building sign to invoke prosperity, success, and harmony for the firm’s management, staff, and clients. His participation was regarded as a meaningful blessing that inspired confidence and encouragement throughout the organization.

The ceremony was hosted by Group Captain Suphawit Thammasitthiruj, Chaplain, who ensured that every part of the event proceeded smoothly and with dignity. The occasion was filled with warmth, devotion, and unity among the firm’s executives, staff, and distinguished guests. Every moment reflected shared pride and optimism as Wongsakorn Law Firm embarks on the next chapter of its journey.

One memorable moment during the ceremony was the gentle rainfall that began as the rituals were taking place. According to Thai belief, rain during an important new beginning is considered an auspicious sign, symbolizing abundance, peace, and prosperity. Many attendees remarked that the rainfall felt like a blessing from nature, representing hopes for the firm’s continued growth and future success.

The opening of Building C represents far more than an expansion of office space. It stands as a symbol of Wongsakorn Law Firm’s ongoing commitment to organizational development, raising the standard of legal services, and continuing to serve both the public and the business community with integrity, fairness, and a steadfast commitment to the rule of law.

Activity

Wongsakorn Law Firm Granted Royal Permission to Host a Merit-Making Ceremony

Posted on by wongsakornsiri
04
Jun

On 2 June 2026, Wongsakorn Siri Law Firm Co., Ltd. (Wongsakorn Law Firm) was greatly honored to receive royal permission to serve as the host of a merit-making ceremony held at the Dusit Maha Prasat Throne Hall within the Grand Palace at 5:00 p.m. This occasion represented a significant honor and a great source of pride for the management and staff of the firm.

The ceremony was conducted with dignity and solemnity. Ten Buddhist monks from several respected temples participated in the religious rites, including Wat Rakhang Kositaram Woramahawihan, Wat Sihakraison, Wat Phromwongsaram in Bangkok, Wat Rang Chorakhe in Phra Nakhon Si Ayutthaya Province, Wat Samakkhi Banphot in Chonburi Province, Wat Nakhon In, and Wat Saphan Sung in Nonthaburi Province. The ceremony included the chanting of Matika, Satthapakorn, and Anumodana rites in accordance with Buddhist traditions.

On this occasion, Wongsakorn Law firm was represented by Lawyer Arm Supasit Siri, Company Director, together with 24 members of the organization, who attended the ceremony with deep respect and gratitude. The event was also honored by the presence of Group Captain Suphavit Thammasitthiruj and Police Captain Natchaphon Saengsi, who joined the delegation for this important occasion.

The atmosphere throughout the ceremony was solemn, respectful, and filled with reverence. All participants joined together in paying their respects and taking part in the merit-making activities with sincere devotion, reflecting their loyalty and appreciation for the royal benevolence extended to the Thai people.

This important occasion remains a source of great pride for Wongsakorn Law firm and will be remembered as a meaningful milestone by its management and staff. The firm remains committed to carrying out its responsibilities with honesty, integrity, and professionalism, while continuing to contribute to society and the nation for the greater public good.

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