From 11 to midnight and until 5 or 6 in the morning, it is the most dangerous time to drive on the weekend, while men have four times more traffic accidents than women. However, they are more affected as passengers, according to the Red Cross Road Safety campaign.
Although the new 2016 traffic regulation aims to reduce the risks of accidents, establishing, among other measures, strict maximum speed limits: 50 km per hour on avenues, 40 km / h on secondary access roads and 80 km / h on roads-controlled access. The truth is that on board a car, we are always at risk, and that is why it is vital to have insurance.
In the event of a collision with your car, in addition to the physical, material and personal losses and damages that may be caused, there is another horrible moment when the liability adjustments are made, and it turns out that you must pay the damage deductible. Remember that although paying the deductible is an expense that can cause headaches; It will NEVER be equal to paying the cost of the entire crash, without the support of insurance.
Do you have auto insurance, consider yourself a responsible driver and want to save yourself the deductible in case you crash? There are three ways to avoid paying the deductible, keep in mind that choosing one means that the cost of your policy will rise inline with the Car backlog (รถค้างค่างวด, which is the term in Thai). Below, we explain what they are, but before:
What Is The Auto Insurance Deductible?
It is the money that you will have to pay after the insurer has covered the expenses caused by accident.
Deductibles for auto insurance policies generally operate as follows.
You pay:
- 5% of the value of the car on damages
- 10% value in case of theft
Three Ways To “Not Pay” Deductible
If you want to save your car insurance deductible, we asked our advisers, and they gave us these alternatives:
1 Ask Specifically For “Zero Deductible”.
You can only “not pay” if you explicitly ask for a zero-deductible policy when purchasing auto insurance. Please note that not all insurers offer these policies.
2 Request Part Marking
This option is that the insurer will literally “tattoo” the most “stolen” parts of your car. They do this through a service called IdentiCar, that is, they record the digits of the serial number of the insured vehicle on glass, headlights, lights and mirrors. The “tattoo company” issues a certificate, which exempts the deductible from these parties in the event of theft of the vehicle. The logic of this mechanism is that stolen auto parts that are already marked will not be sold (or at least not so easily) on the black market, in addition to being easier for authorities to detect.
3 Buy A “Zero Deductible” Module
The moment you order a zero-deductible policy, you will likely be offered to purchase a zero-deductible module. This is the name of this special guarantee, and as we have said, not all insurers offer it.
The average cost is a deductible zero module is $ 1,200 annually, but the recommendation is to ask if this module is available at the insurer that interests you. If so, then ask if they don’t include it for free to their customers.
