Automobile Liability

Reliable Liability Coverage for Your Business Fleet and Employees on the Road.

Automobile Liability Insurance in Thailand: Protecting Your Fleet and Your Balance Sheet

Automobile liability insurance in Thailand is mandatory for every vehicle on the road, yet minimum statutory limits seldom match a modern company’s true exposure. Because traffic density, rising medical costs, and frequent accident litigation can quickly exhaust basic coverage, businesses that rely on cars, vans, or trucks need a broader safety net—one that shields assets, preserves reputation, and keeps operations moving.

Why Automobile Liability Insurance in Thailand Is Business-Critical

Thailand ranks among Southeast Asia’s most motorized nations. Consequently, the likelihood of collisions, pedestrian injuries, and cargo damage remains high. Moreover, the Motor Vehicle Accident Victims Protection Act imposes compulsory insurance, while plaintiffs may still sue for amounts well above those limits. Without robust automobile liability insurance, organizations risk:

Large out-of-pocket settlements and defense fees
License suspension or vehicle impoundment for non-compliance
Reputational damage that erodes customer confidence and vendor trust

Key Coverages in a Comprehensive Auto Liability Policy

Third-Party Bodily Injury – pays medical expenses, rehabilitation costs, and court-awarded damages arising from injuries to passengers, pedestrians, or other drivers.
Third-Party Property Damage – reimburses repair or replacement of vehicles, buildings, and other assets you unintentionally harm.
Legal Defense Costs – covers attorney fees, expert witnesses, and court expenses from the first letter of claim through final judgment.
Bail-Bond Guarantee – provides immediate financial security when a driver is detained after a serious accident.

Optional Extensions for Broader Motor Liability Protection

Because every fleet operates differently, Lockton Wattana can enhance your automobile liability insurance with:

Uninsured and Underinsured Motorist coverage—essential when accident partners carry only the statutory minimum.
Employer’s Liability for Driver Injury to close gaps between workers-compensation policies and actual medical bills.
Cross Liability so subsidiaries are treated as separate insureds, preventing internal claims from being denied.
Pollution Liability from Vehicle Spills that contaminate soil or waterways.

How Lockton Wattana Optimizes Your Automobile Liability Coverage

First, our transportation specialists benchmark your loss history, telematics data, and driver training programs against Thai and international peers. Next, we model catastrophe scenarios—such as multi-vehicle pile-ups or fuel-tanker fires—to calculate realistic limit needs. After that, we negotiate layered placements with both domestic and global insurers, securing competitive premiums and multi-year rate stability. Finally, we deliver road-safety workshops and coach drivers on accident reporting, which, in turn, lowers claim frequency and severity.

You benefit from Lockton’s access to the global marketplace, which allows us to provide the most cost-effective option without sacrificing coverage quality. By choosing from more than 10 different markets, we deliver to you the best pricing available on: