We already talked with Khun Aoy about the accident.She said that the car hit with a tree and someone injured.as we review the existing policy from Thanachart insurance it is 2+ insurance.
2+ insurance can be cover
-Third Party Bodily Injury
-Third Party Property Damage
-Own Damage : The insurer can cover in case of collision with land vehicles(Car,Motorbike) following to sum insured that you chooses (200,000) but it not cover if you hit with walls, fences, gates, pole, animal, people, plant pots, tree etc. that means you have to repair the car by yourself.
- Fire and Theft
This case the insurer not cover own damage and you have to pay by yourself to repair but they will cover injured.
For 1st class insurance that you have insured with SEIC ,the insurer waiting for car inspection because now this car still at the garage.