In an era where insurance companies play a crucial role in protecting road users, public trust in the insurance system should be a vital foundation of society. However, when that responsibility is neglected, consumers must rise and assert their rights to the fullest—just like in the case of Miss A and Miss B, victims of a severe car accident. The resolution of this case has become a key legal and societal lesson on consumer protection.

A Life-Altering Accident

The unexpected incident occurred one evening when the car Miss A and Miss B were in lost control at high speed, veered off the road, and crashed violently into a utility pole. Both women sustained serious injuries that required ongoing treatment and led to long-term physical and psychological effects.

A Search for Justice Met with Silence

After recovering enough strength, Miss A and Miss B attempted to negotiate with the insurer of the car involved, hoping for fair compensation to cover medical expenses, travel costs, lost income, and their physical and emotional suffering.

However, the reality was disappointing. The insurance company offered compensation far below the actual damages. Despite their efforts to provide documentation and follow up consistently, the victims received no proper response.

When a Lawyer Becomes the Last Hope

Seeing no progress, the two victims appointed a lawyer to take over the case. The lawyer filed a complaint with the Office of Insurance Commission (OIC), which later issued a clear order instructing the insurance company to reassess and fairly compensate the damages.

Nonetheless, the insurance company blatantly ignored or defied the OIC’s order and continued to offer the same inadequate amount, showing no genuine intent to resolve the matter fairly.

From Negotiation Table to Courtroom

As no resolution was reached through negotiation, the matter was taken to court. The lawyer filed a lawsuit seeking a total of 1,540,000 baht in compensation—1,050,000 baht for Miss A and 490,000 baht for Miss B. This covered medical costs, loss of income, transportation expenses for hospital visits, loss of earning capacity, and emotional suffering.

Additionally, the lawsuit sought punitive damages to penalize the insurance company for violating consumer rights and defying the order of a regulatory body like the OIC.

Justice Served in Court

Ultimately, the court carefully considered the case and ruled in favor of Miss A and Miss B. The insurer was ordered to pay the full compensation requested, along with 30,000 baht each in punitive damages. The court clearly stated that the insurer’s actions amounted to consumer exploitation, defiance of state authority, and a lack of sincerity in addressing the victims’ damages.

Key Lessons from the Case

This case reflects the importance of upholding consumer rights in the insurance system and not allowing those rights to be trampled upon. Having a knowledgeable lawyer and understanding the role of state mechanisms like the OIC are essential.

Most importantly, “Do not fear when your rights are violated.”The law remains a powerful tool for justice, and when used correctly, it can turn ignored victims into proud fighters for their rights.

Disregarding OIC orders and failing to comply with the law not only harms consumers but can also lead to serious legal consequences. This court ruling reaffirms the principle that “No one is above the law.” Consumers who stand up with knowledge and righteousness will eventually find justice.

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