Recover fully first

Insurance Lesson Learned! The Policyholder Hit a Pedestrian but the Insurance Company Did Nothing When “trust” in an insurance company turns into double damage?

Posted on by wongsakornsiri
11
Nov

Lawyer Arm shares how to claim your legal rights correctly from the start.

In the world of insurance, many people believe that having a policy is a shield of protection when unexpected accidents happen, especially road accidents.
However, in reality, there are many cases where the insured must handle everything on their own, and worse, insurance companies sometimes refuse to take responsibility, leaving the policyholder to share the financial burden with the injured party.

This true story happened to a man who held a car insurance policy. He hit a pedestrian, causing injuries that required hospitalization. The police ruled him at fault. Everything seemed to proceed normally toward a claim until the insurance company refused to help, even with the advance payment for medical expenses.

The Insurance Company Refused to Advance Payment Despite Having the Claim Document

The insured man said he had all the required documents, a claim form and an accident report but the company told him both he and the injured person must “advance the payment first.”
Even with the claim form in hand, the insurer would not issue a guarantee letter for the hospital to claim directly. As a result, both the insured and the victim had to pay medical expenses from their own pockets first.

This might sound unbelievable, but such cases do happen. It’s a clear reminder that:

“Having insurance doesn’t automatically mean you’ll be protected in every case.”

When the Insured Becomes a Double Victim?

Since the police ruled him at fault, the insured had the legal duty to compensate the injured party.
But instead of the insurer managing the claim as promised, both the insured and the injured person had to jointly demand compensation from the insurance company.
This turned the policyholder into a “double victim” losing money, time, and peace of mind.

Lawyer Arm’s Advice: File a Joint Lawsuit as a Consumer Protection Case

Lawyer Arm suggests that if both the policyholder and the injured person file a lawsuit together against the insurance company, it can be considered a consumer protection case, as both are consumers suffering from unfair business practices.

If the court finds that damage truly occurred, the insured can claim full compensation including Lawyer’s fees.
In many cases, the court orders the insurer to pay for legal costs, though it depends on the evidence and court discretion.
That’s why having a lawyer from the very beginning is essential to ensure that every step follows the law and that your rights are fully protected.

Lawyers Can Legally Charge a Percentage of the Awarded Amount

Under Thai law, lawyers can legally charge a percentage-based fee from the recoverable amount.
Therefore, policyholders can make a transparent agreement with their lawyer, for example:

  • Setting a fair percentage from the total recovered amount; or
  • Paying a flat fee for the entire case.

This clarity helps avoid disputes later and ensures smoother case progression.

Don’t Wait Too Long Before Consulting a Lawyer

Lawyer Arm also warns:

“Don’t wait until you fully recover or years have passed before filing your claim. Once you’ve recovered, you may lose the right to claim compensation for permanent disability.”

In practice, many people wait too long only to receive partial compensation.
Always seek legal advice immediately after an accident, so your lawyer can verify your claim and documentation right from the start.

Insurance Companies Sell Easily but Claims Are Hard

Many insurance companies market themselves as “fast and reliable”, but when accidents actually happen, they often give excuses such as:

  • “We’re overloaded with cases.”
  • “It’s not our department’s responsibility.”
  • “We need to wait for documents from the hospital.”

In the end, the policyholder ends up doing all the paperwork and follow-ups.
As Lawyer Arm often says:

“When you sell insurance, you sell trust but when a client has an accident, you must serve them, not make excuses.”

Key Advice for Every Policyholder

1.Keep all evidence — claim forms, police reports, medical certificates, receipts.

2.Notify your insurer immediately after an accident and ask for a claim number.

3.Don’t sign any documents you don’t fully understand especially waivers or settlements.

4.Consult a lawyer right away if the insurer refuses to pay or delays the claim.

The Takeaway

Having insurance doesn’t guarantee fair treatment but knowing your rights and having a lawyer by your side can help you recover your losses and gain true justice.
In a world where companies compete to sell insurance, don’t forget as a policyholder, you must also learn to understand and defend your rights.
Consult a lawyer today so you’ll never be taken advantage of by an insurance company again.

Recover fully first

How to Claim Injury Compensation Without Being Taken Advantage Of?

Posted on by wongsakornsiri
10
Nov

Lawyer Arm Shares a Real Case: “Got Hit by a Car and Broke Your Arm How Much Compensation Should You Claim?”

One of the most frequently asked questions Lawyer Arm receives is:

“I got hit by a car and broke my arm. How much compensation can I claim for my injuries?”

While the question sounds simple, the answer isn’t fixed. The amount of compensation depends on many factors such as age, gender, occupation, income, and the long-term impact on daily life. Here’s a real case the Lawyer Arm handled.

Real Case Example: 37-Year-Old Woman With a Fractured Arm After a Car Accident

A relative of the injured woman contacted Lawyer Arm through an inbox message.
The injured person was a 37-year-old accounting officer earning 28,000 THB per month. She was hit by a car, suffered a fractured arm, and required metal plates to stabilize the bone. Her family wanted to know:

“How much compensation should she claim?”

Lawyer Arm began by asking basic information such as:

“What’s the total medical cost?”

The relative replied 340,000 THB, which was quite high.

Further inquiry revealed that the other driver’s insurance policy covered up to 500,000 THB for third-party bodily injury. The insurance company had already paid for the medical expenses (340,000 THB), leaving 160,000 THB plus 80,000 THB from the mandatory motor insurance (total 240,000 THB) available for other types of compensation.

However, if the total damages exceed the policy limit (e.g., over 500,000 THB), the excess amount must be claimed directly from the at-fault driver, as it falls under tort liability.

What Types of Compensation Can Be Claimed for Bodily Injury?

Victims of traffic accidents can claim compensation for various categories, such as:

  • Medical expenses – including doctor’s fees, medication, surgery, and physical therapy.
  • Lost income – if you must stop working during recovery.
  • Pain and suffering – for both physical and emotional distress.
  • Caregiver expenses – costs for someone who looks after you during recovery.
  • Long-term disability – if the injury causes permanent impairment or loss of earning capacity.
  • Aesthetic damage – compensation for permanent scars or disfigurement.

As you can see, compensation isn’t limited to hospital bills but also covers the overall impact on your quality of life after the accident.

Why Do Manual Laborers Sometimes Receive More Compensation Than Office Workers?

According to Lawyer Arm, compensation isn’t based solely on salary; it’s also about how the injury affects the victim’s job.
For instance, if a construction worker breaks an arm, they might be unable to work entirely during recovery. Meanwhile, an office employee could still handle paperwork or work from home.
Hence, manual laborers may sometimes be entitled to higher compensation, since their livelihood depends directly on their physical condition.

Don’t Wait Until You’re Fully Recovered You’re Losing Time and Advantage!

In this case, the injured woman waited nine months before contacting Lawyer Arm. The insurance company told her,

“You must wait until you’re fully recovered before filing for compensation.”

That’s a misconception that puts victims at a disadvantage. The claims process itself can take several months, meaning victims may wait over a year and a half before receiving payment.

Lawyer Arm advises:

“Don’t wait until you’re healed to consult a lawyer early.”

This allows proper evidence collection medical certificates, treatment records, and receipts from the beginning.

Can You Use Social Security Benefits After a Car Accident?

Another common question is:

“Can I use my Social Security rights if I get into a car accident?”

The answer is yes. There’s no clause in the Social Security Act that prohibits it.
Some private hospitals may refuse to process Social Security claims because they receive lower reimbursement rates. However, you are legally entitled to use your Social Security benefits to reduce medical expenses while still pursuing other compensation claims against the at-fault driver.

Why Should You Consult a Lawyer Immediately After an Accident?

Many people think, “I’ll try claiming it myself first. If it doesn’t work, I’ll hire a lawyer.”
That’s often the reason they lose their rights without realizing it. Insurance companies have legal teams and professionals trained to minimize payouts. Without legal guidance from the start, victims are at a serious disadvantage.

How to Claim Injury Compensation Fairly?

  • Notify and contact the insurance company immediately.
  • Request a copy of the at-fault driver’s insurance policy.
  • Keep all evidence medical certificates, receipts, and injury photos.
  • Don’t wait to recover before claiming; start during treatment.
  • Use Social Security benefits to help reduce costs.
  • Consult a lawyer to ensure a proper and fair compensation strategy.

Accidents can happen to anyone. The key is not to let ignorance make you lose your rights.

 Claiming injury compensation isn’t just about money, it’s about protecting your legal rights as a victim.
And always remember:“Insurance companies have their lawyers. Do you have yours?”
👉 Consult a lawyer today. Contact us

Recover fully first

When an insurance company says “Go ahead and sue me” – this is real injustice.

Posted on by wongsakornsiri
28
Oct

This sentence reflects the power gap between ordinary victims and large insurance companies equipped with full legal teams.

Key questions are:

  • Why do insurance companies earning billions each year refuse to compensate injured people who are hospitalized and unable to walk normally?
  • Why do they tell victims to “sue us” when they know most people have no legal knowledge, no money, and no time to file a lawsuit?

This becomes a tool of power forcing victims to accept a small settlement and drop the case.

Your Legal Rights Are Greater Than What They Tell You

Under tort law and insurance law, victims have the full right to claim compensation, not just lost income.

Insurance companies (or the liable party) are legally required to compensate for:

1. All medical expenses – including hospital bills, transportation to appointments, physiotherapy, and rehabilitation.

2. Loss of income during recovery – based on actual income, not just “350 baht per day” as some insurers arbitrarily claim.

3. Pain and suffering compensation – for physical pain, disability, or disruption of daily life.

4. Loss of career opportunities – especially for freelancers or self-employed individuals who cannot work.

So if an insurance company says “we won’t pay” or “go sue us,” it doesn’t mean you have no rights, it means they are avoiding responsibility.

Why Do Insurance Companies Dare Victims to Sue?

Because they know:

  • Ordinary people don’t understand legal procedures.
  • They think lawyers are expensive.
  • They feel exhausted and eventually accept a low settlement.

This is why injustice happens repeatedly.

But at Wongsakorn Law Office and Lawyer Arm, we believe truth and people’s rights must come before corporate profit.

A Good Insurance Company Should Take Responsibility — Not Push It Away

Insurance companies are legally obligated to take care of victims fairly, not threaten them or push them into legal battles.

Real people are suffering  lying in pain, unable to walk, losing income.
They should not be left behind just because they don’t have a lawyer.

What Should You Do If the Insurance Company Says “Companies Dare Victims to Sue “ ?

Right after an accident, many people believe the insurer who says, “Let’s talk after you recover.”
This misunderstanding may cause you to lose your rights.

Remember:

  • Insurance companies have lawyers from the moment the accident happens.
  • Every conversation, request for documents, or legal interpretation all are designed to minimize payout.

While citizens fight alone, injured, and uninformed, time is ticking.
So do not wait until you recover; you can have a lawyer immediately after the accident.

Here’s what to do:

1.Don’t sign or accept low compensation. Once signed, you lose your legal right to claim more.

2.Keep every piece of evidence – medical certificates, receipts, messages, conversations with insurers.

3.Consult a lawyer as soon as possible.

If They Say “Sue Us If You Want More” – Don’t Stay Silent

This shows a serious injustice within Thailand’s insurance system.

Insurance companies have lawyers before the accident even happens. It’s time for victims to have lawyers too.

At Wongsakorn Law Office, the Lawyer Arm stands with you from consultation to legal representation to ensure you receive not just “compensation,” but true justice.

Recover fully first

Case Study: Claiming Car Accident Compensation – With a Lawyer, It’s Faster. No Need to Wait Until You’re “Fully Recovered.”

Posted on by wongsakornsiri
07
Oct

Road accidents are something no one wants to experience. But when they do occur, victims have the legal right to claim car accident compensation to cover actual damages, physical, emotional, and property-related. In reality, however, many insurance companies attempt to delay or avoid responsibility by discouraging victims with phrases like: “Wait until you’re fully recovered before filing a claim.” Legally, victims are entitled to file claims immediately from the day of the accident.

This article highlights the case of Mr. A, who was seriously injured in a car accident. Instead of believing the insurance company’s words, he sought legal counsel right away. With the help of a lawyer, he received compensation much faster than those who waited until they were “fully recovered.”

A Real Case: Waiting Means Losing Rights

Mr. A suffered severe injuries in a car accident and required hospitalization. When his family first contacted the insurance company, they were told:
“Wait until he recovers, then file the claim later.”

Many victims who are unaware of their rights might have followed this advice and waited. Fortunately, Mr. A and his family chose not to wait. They consulted Lawyer Arm from Wongsakorn Law Office, who immediately pursued the claim even while Mr. A was still receiving treatment.

The result was completely different: within less than a month after the law office sent a demand letter (notice) to the insurance company, the insurer quickly responded and paid the compensation.

Why Didn’t the Insurance Company Pay Right Away?

A common question is: “Why didn’t the insurance company pay at first, even though they could have?”

The simple answer: when victims don’t know their rights or lack a lawyer, insurance companies can easily delay, deny, or underpay compensation.

The phrase “Wait until you’re fully recovered” may sound caring, but in reality, it’s a tactic. Once victims recover, insurers often argue:

  • “Since you’re healed, there’s no need to pay much.”
  • “You can walk normally now, why claim high damages?”

This reduces the true value of the damages, ignoring the pain, suffering, and life impact victims already endured from day one.

Thus, waiting until recovery isn’t beneficial; it only weakens your case and diminishes your rightful compensation. Claims can and should be filed immediately after the accident.

Victims’ Rights: Claim Compensation Immediately

Under the law, car accident victims can claim compensation from the day of the accident, including:

  • Medical expenses (current and future)
  • Lost income during recovery
  • Rehabilitation costs (physical and psychological)
  • Compensation for pain and suffering
  • Property damage (e.g., vehicle repairs, other belongings)

If the case reaches court, the court can also reserve the right for victims to file additional claims later, should further damages appear.

Why Do You Need a Lawyer?

Mr. A’s case clearly shows that having a lawyer forces the insurance company to act. Lawyers know the process, the rights, and the tactics insurers use so they can ensure victims get fair compensation quickly.

Victims who try to file claims alone often hear excuses such as:

  • “Your documents are incomplete.”
  • “Wait until recovery first.”
  • “The company will reconsider later.”

This wastes time and leads to serious loss of rights.

Don’t Let Insurance Companies Take Away Your Rights

Mr. A’s case proves that with a lawyer’s help, victims can claim car accident compensation quickly and fully without waiting for the misleading “recover first” advice.

If you or someone close to you experiences an accident, don’t let your rights slip away. Collect evidence, contact a lawyer, and file your claim immediately to ensure justice and fair compensation.

Wongsakorn Law Office is ready to stand by your side in every case.

✍️ Wongsakorn Law Office, led by Lawyer Arm and our professional team, is ready to stand by your side in every case to secure the compensation and rights you truly deserve.

Recover fully first

Lawyer Arm Couldn’t Tolerate Anymore: Filing Insurance Lawsuits to Seek Justice for a Skull Fracture Victim

Posted on by wongsakornsiri
06
Oct

Since our law office was established, there have been countless cases where Lawyer Arm had to file insurance lawsuits to protect the rights of victims. If we count in percentage, nearly 90% of the cases involved suing insurance companies that unfairly took advantage of injured victims or ordinary consumers.

Today, Wongsakorn Law Office would like to share one of these real-life cases as a lesson for everyone: a story of a deceitful insurance company that tried to exploit one of our clients, a woman who suffered a severe accident resulting in a skull fracture. Why did Lawyer Arm have no choice but to file an insurance lawsuit? Let’s break it down into episodes.

Ep.1 Beginning of the Case – When Ms. A Was Hit by a Car, and the Insurer Told Her to “Recover First”

Ms. A’s life changed in an instant when she was riding her motorcycle home and was struck by a speeding car. The accident caused her head to hit the ground violently, resulting in a serious skull fracture. She had to undergo multiple brain surgeries and long months of recovery, which ultimately caused her to be terminated from her job.

To make matters worse, when she filed a claim, the insurance company refused immediate payment and told her to “recover first and then claim later.” Fortunately, Ms. A and her husband refused to accept this injustice and sought help from Lawyer Arm, who immediately began the process to file a lawsuit against the insurance company.

Ep.2 The Insurance Company’s Trick – Combining Mandatory and Voluntary Coverage

According to the policy interpretation guidelines, Ms. A should have received 250,000 THB under mandatory coverage alone. However, during negotiations at the Office of Insurance Commission (OIC), the insurance company insisted on paying a combined total of 200,000 THB for both mandatory and voluntary coverage.

After our objection, they increased the offer to 250,000 THB (combined), which still violated the contract terms. With such unfair tactics, there was no choice but for Lawyer Arm to proceed with an insurance lawsuit.

Ep.3 In Court – The Insurance Company Lied

When the case reached court, the insurer’s lawyer falsely claimed that Ms. A had already been paid 400,000 THB. In reality, she had never received any such payment. This showed how far the insurance company was willing to go to deceive not only the victim but also the court.

Ep.4 Justice Achieved – Thanks to Experience and Strategy

Finally, due to Lawyer Arm’s persistence and expertise in insurance lawsuits, Ms. A received fair compensation:

  • 250,000 THB (mandatory coverage)
  • 700,000 THB (voluntary coverage)

A total of nearly 1 million THB, restoring her rights after months of exploitation by the insurer.

Filing an Insurance Lawsuit Is the Only Answer – Don’t Wait When You’re Being Taken Advantage Of, Consult a Lawyer Immediately

In Ms. A’s case, although justice was finally served, it came only after the insurance company had refused to pay and denied responsibility, which was as painful as her severe injuries.

Here’s the message we want to leave with everyone:
Whenever an accident happens, don’t wait to be exploited by the insurance company. Don’t fall for excuses like “recover first and then claim later.” If even a case as serious as Ms. A’s with a skull fracture could be dismissed and ignored by an insurer, then no one is safe from being taken advantage of.

👉 The only real solution is to file an insurance lawsuit.
Don’t delay, don’t wait for recovery as the insurer tells you that’s just the beginning of their attempt to exploit you. When you’re being treated unfairly, the only path to justice is to consult a lawyer and file a lawsuit.

📌 You can consult us immediately here >>Contact Us<<
Let us take on the responsibility and file the lawsuit without hesitation to fight for your justice.

Recover fully first

Claiming Compensation for Car Accident Injuries: Don’t Be Misled by “Get Well First”

Posted on by wongsakornsiri
03
Oct

When a road accident occurs, victims often suffer both physical and emotional pain. The most important thing is to receive fair and timely compensation. However, many insurance companies use delaying tactics, often saying, “Get well first, then make your claim.” In reality, this can cause victims to lose their right to claim full compensation.

Insurance Tactic: “Get Well First”

At first glance, this advice may sound reasonable since victims naturally want to recover. But legally, waiting until full recovery can weaken the case because:

  • Evidence of injuries fades over time.
  • In court, insurers often argue:
    • The victim has already recovered.
    • There is no ongoing damage.
    • No need to pay the claimed compensation.

Thus, “get well first” is not just about delaying it’s a legal strategy to weaken the victim’s claim.

Case Study: Father’s Advice from Taiwan “You should consult a lawyer here.”

In one real case, a passenger injured in a van accident was told by the insurance company: “Recover first, then claim.”
 Initially, the vehicle owner promised to help but soon withdrew support, leaving the victim anxious and helpless. Fortunately, her father, working in Taiwan and following Lawyer Arm’s YouTube channel, insisted: “If you hear this phrase, contact Lawyer Arm immediately.” This changed everything the victim sought proper legal counsel.

Why Consult a Lawyer Immediately?

Claiming compensation is not just paperwork, it’s a legal battle against insurance companies backed by professional lawyers. Without legal support, victims are at a huge disadvantage. Lawyers can:

  • Assess damages (medical bills, lost income, future costs).
  • Prepare legally valid medical and legal documents.
  • Represent victims effectively in court.
  • Prevent insurers from delaying or denying compensation.

Attorney Arm emphasizes: Insurance companies already have lawyers before an accident even happens, but victims often have none.

The Pitfalls of “Get Well First”

Victims who follow this advice often find:

  • Insurers argue recovery means no claim.
  • Compensation is reduced or denied.
  • Crucial evidence (medical certificates, injury photos, receipts) is lost.

The law allows victims to claim both present and future damages. Waiting only weakens the claim.

The Danger of Wrong Advice from “Fake Lawyers”

Victims often receive misleading advice from so-called “know-it-alls” or “People who don’t know the truth” neighbors or acquaintances without legal training. For example:
“If you claim it once, you can’t claim it again.”
 This is legally incorrect. Courts allow victims to claim for future damages and even add claims later if necessary.

Insurance Company Have “Lawyers,” Victims Only Have “People who don’t know the truth”

Insurance companies have legal teams from the start. Victims, however, often rely on unqualified advice, making them vulnerable. One common tactic:
“Recover first, then claim.”
 Later in court, insurers counter with: “You’re already recovered, so you can’t claim more.”

Only Real Lawyers Can Protect Your Rights

Being a lawyer requires years of study and licensing. “People who don’t know the truth” only pretend to know and mislead victims. Believing them risks losing your legal rights.

  • Don’t rely on unqualified advice.
  • Consult an experienced lawyer immediately after an accident.
  • Don’t let insurers delay or trick you with “get well first.”

Claiming compensation after a car accident is not a minor issue. Insurance companies protect their interests with legal teams. Victims need real lawyers too. Acting fast ensures fair compensation and justice.

Don’t let the words of the insurance company take away your rights to consult a lawyer from the very day the accident happens.

In the event of a car accident, no matter how serious or minor your injuries are, do not wait until you have fully recovered before making a claim. Doing so may put you at a disadvantage in court and cause you to lose your right to claim compensation. From the moment the accident occurs, you should collect evidence, contact a lawyer, and proceed with your claim according to your legal rights.

If you or your loved one has been in a car accident and hears the phrase “Get well first before claiming” from the insurance company, do not believe it. Immediately seek advice from a professional lawyer. The legal team at Wongsakorn Law Office, led by Lawyer Arm, is ready to consult with you and stand by your side, ensuring that you receive justice and the full compensation you deserve.

Recover fully first

Tricked Again!!! The Insurance Company’s Deceptive Phrase: “Get Well First”

Posted on by wongsakornsiri
30
Sep

“Get well first”  is a phrase that sounds caring and considerate when spoken by an insurance company. At first glance, it seems to show concern and goodwill. However, in reality, it is nothing more than a deceptive tactic designed to delay compensation payments to victims. When an insurance company tells you to “get well first”, it is not out of genuine concern for your health, but rather an attempt to stall and avoid immediate settlement.

Insurance or a Ghost? Victims Fooled by “Get Well First” Three Times

Case 1
 This victim was severely injured in February 2021 when another driver rear-ended their vehicle. The insurance company immediately expressed “concern” and told the victim to “get well first.” The victim was seriously injured, suffering a fractured tailbone, and had to stay in the hospital for more than a week. Even after being discharged, they needed more than two months of home recovery.

Case 2
 The victim further revealed that during their hospitalization, the insurance company never contacted them again. After initially saying “get well first,” the insurer went completely silent. The victim waited in vain but eventually had to reach out to the insurer themselves despite still being in pain and recovery. When they finally managed to meet at a police station, the insurance company repeated the same phrase: “get well first.” Believing the insurer’s words, the victim didn’t suspect anything wrong.

Case 3
 Months later, around May–June 2021, the victim once again contacted the insurer and arranged another meeting. By this time, their condition had slightly improved; they could now sit for about 10–20 minutes, although still not fully recovered. Upon hearing this, the insurance company played another trick, pretending to care: “Your doctor is still monitoring your condition,” “If you claim now, you might face extra costs,” “It might not be worth it.” And once again, they ended the conversation with the classic line: “get well first.” That was the third time.

The Victim Realizes the Trick Behind “Get Well First”

After being told “get well first” three times over a six-month period, with no follow-up or compensation, the victim finally realized the insurer’s strategy was to delay until rights expired. They turned to Wongsakorn Law Office after finding our Facebook page and YouTube channel, where similar cases had been explained. Upon learning that others had also been deceived with the same tactic, the victim immediately sought legal assistance instead of waiting for the insurer.

3 Major Risks When an Insurance Company Tells You to “Get Well First”

1.      Your case may expire due to statute of limitations
 Delays can cause your claim or lawsuit rights to lapse. While you spend months or years recovering, the insurer’s tactic may result in your case expiring, leaving you unable to claim or sue at all.

2.      You may lose the right to future medical expenses
 Many do not realize that you are entitled to claim not only current but also future medical costs. For example, if you suffer a broken leg and require metal implants, the insurer may treat your case as “completed” once initial treatment ends and push you to sign a settlement. Later, when surgery is needed to remove the implants, you will no longer be able to claim further costs.

3.      Insurers may underpay compensation
 Once you appear “fully recovered,” insurers can argue that no further suffering or damage exists and will only pay based on your visible condition at that time, often far less than you deserve.

These are just the initial drawbacks. Insurance companies often use many more tricks to avoid paying fair compensation.

Don’t Be Fooled by “Get Well First” Consult a Lawyer Immediately

When you hear the phrase “get well first” from an insurance company, don’t assume it is genuine concern. In truth, it is often a strategy to delay, minimize, or avoid their payout obligations. Believing it blindly may cost you your rights, your time, and even your chance to claim fair compensation.

To protect yourself from these unfair tactics, consult an experienced lawyer immediately. With proper legal guidance, you can safeguard your rights and ensure justice.

👉 Contact Wongsakorn Law Office today — don’t wait until it’s too late.

Recover fully first

Insurance Company’s Common Tricks: Don’t Get Fooled — Contact a Lawyer Immediately After an Accident

Posted on by wongsakornsiri
29
Sep

Today, Wongsakorn Law Office brings you a checklist of the most common tricks insurance companies use, so that victims don’t get deceived. Whenever an accident occurs, you should contact a lawyer immediately without hesitation because seeking legal counsel after an accident will never put you at a disadvantage.

Everyone knows that accidents can happen anytime, unexpectedly. When they do, they often involve injuries, disabilities, property damage, and in serious cases, even fatalities. Beyond personal loss, accidents can disrupt business operations, affect the environment, or harm the public. Among all, road accidents, whether involving motorcycles or cars remain the most common and damaging, and this is where “insurance companies” always play a major role. And every time insurance comes into play, it often leads to situations where victims must contact a lawyer to protect their rights.

Why do insurance companies like to “teach lessons” to accident victims?

At first, victims often feel secure because they have car insurance. Insurance companies promise peace of mind at the time of purchase, reassuring customers that they will always stand by them. But once a serious accident or significant property damage occurs, the company’s attitude often changes dramatically, turning from friend to adversary.

From over 10 years of legal experience and more than 1,000 insurance-related cases, Wongsakorn Law Office has witnessed countless victims forced to contact lawyers to claim rightful compensation. Today, we share a list of popular tricks used by insurance companies, so that no one falls into their traps.

Common Tricks by Insurance Companies

  • “Get well first.”
     This phrase sounds caring, but in reality, it’s often used to delay payment. Many victims who waited ended up needing to hire a lawyer because of the damage caused by this so-called “concern.”
  • “We need additional medical documents.”
     A tactic to stall. Even after victims provide full documents, companies often demand more, forcing injured people to repeatedly travel to hospitals while no compensation is paid.
  • “Backdating alcohol test results.”
     Even if a driver’s alcohol level was legal (<50mg%), insurers sometimes “recalculate backward,” falsely classifying cases as drunk driving to deny claims.
  • “Treatment not yet complete.”
     Another way to stall denying claims until recovery, even for severely injured victims.
  • “No disability card.”
     Some insurers refuse compensation for disabled victims who lack an official disability card, despite having medical certificates.
  • “Maybe you’ll walk again.”
     A cynical excuse to avoid paying disability compensation, implying recovery is possible.
  • “We haven’t received the case yet.” / “We’re not aware of it.”
     A delay tactic, often dragging cases for months or even years, or resulting in lowball offers.

A Case Example: Victim Who Contacted a Lawyer in Time

One victim, who suffered a broken leg and required surgery with metal implants, was offered only 80,000 baht in compensation despite medical costs amounting to several hundred thousand. The insurance company even told him to “get well first” and claim later. Recognizing the stall tactic, the victim immediately contacted the Lawyer Arm at Wongsakorn Law Office, who stepped in to demand fair compensation.

This case is just one example. Insurance companies have endless strategies to avoid paying fairly. The best solution? Contact a lawyer immediately after an accident. Don’t fall for “friendly” words that hide exploitative intentions.

Recover fully first

 How to Claim Compensation for a Rib Fracture in a Car Accident?

Posted on by wongsakornsiri
26
Sep

 Dispute Case No. Red ChM.113/2020
 Awarded Compensation: 29,542 THB

The claimant demanded compensation as follows:

  • Medical expenses before filing the dispute: 50,000 THB
  • Future medical expenses: 150,000 THB
  • Other related expenses: 50,000 THB
  • Loss of earnings during recovery: 45,160 THB
  • Loss of future earning capacity: 100,000 THB
  • Non-pecuniary damages: 200,000 THB

The respondent (Company A Insurance Co., Ltd.) was the insurer of the vehicle registered in Samut Prakan, driven by Mr. A on the date of the accident, which collided with the claimant’s car.

The respondent objected to the claims, arguing that:

1.Medical expenses before filing the dispute (50,000 THB) were exaggerated, with no evidence of such loss.

2.Future medical expenses (150,000 THB) were unreasonable since the claimant’s injuries were not serious enough to require long-term treatment.

3.Other related expenses (50,000 THB) were unfounded.

4.Loss of earnings (45,160 THB) was unsubstantiated, as the claimant continued receiving salary.

5.Loss of future earning capacity (100,000 THB) and non-pecuniary damages (200,000 THB) were baseless.

The respondent claimed the demands were made in bad faith and thus should not be liable.

Issues for Consideration:

1.Is the respondent liable to compensate the claimant, and to what extent?

2.Is the claimant entitled to claim 15% annual interest from the date of filing until full payment?

Arbitration Decision

Medical expenses before filing the dispute

Evidence confirmed the claimant received treatment at Hospital A and Hospital S, paying 425 THB and 4,737 THB respectively, totaling 5,162 THB. The respondent failed to refute this evidence.
➡ The respondent must compensate 5,162 THB.

Future medical expenses

 The claimant initially claimed 150,000 THB but later testified for 21,400 THB. Since the treatment methods cited (high-power laser, MRI) were not medically prescribed, and the claimant only researched them online without medical recommendation, the claim lacked justification.
➡ The respondent is not liable for future medical expenses.

Other related expenses

Transportation to the hospital (approx. 35.9 km, 3 trips) cost 1,800 THB, which was reasonable and uncontested. However, the 200 THB fee for requesting medical records was litigation-related and not compensable.
➡ The respondent must compensate 1,800 THB.

Loss of earnings during recovery

 The claimant, a state enterprise employee earning 22,580 THB/month, alleged 2 months of lost income (45,160 THB). However, testimony later confirmed only 1 month of leave. Under labor law, sick leave up to 30 days per year is paid. No evidence proved salary deduction.
➡ The respondent is not liable for 22,580 THB claimed salary loss.
➡ The claim for loss of additional freelance income (air conditioning installation and electrical work) of 39,000 THB was also dismissed due to insufficient proof.

Loss of future earning capacity

  • As a state enterprise employee: The claim that sick leave beyond 15 days affects promotions and bonuses was inaccurate. Regulations only apply to special promotions, not standard salary increases or annual bonuses. No evidence proved loss of benefits.
  • As a freelance technician: No valid evidence confirmed such employment.

➡ The respondent is not liable for this claim.

Non-pecuniary damages

 Medical records confirmed rib fractures and bruises requiring 30 days of rest. However, no severe suffering was proven beyond temporary discomfort. The claim for 200,000 THB was deemed excessive.
➡ The tribunal awarded 20,000 THB.

Final Award

The respondent must compensate the claimant as follows:

1.Medical expenses before filing: 5,162 THB

2.Other related expenses: 1,800 THB

3.Non-pecuniary damages: 22,580 THB
 ➡ Total: 29,542 THB, plus 15% annual interest from the date of filing until payment in full.

Arbitration costs are to be borne by the respondent. Payment must be made within 30 days from receipt of this award.

Legal References: Civil and Commercial Code, Sections 877, 446
Arbitrator: Mr. Somchai Yuwawitthayaphanit
Dispute Case No.: ChM.96/2020

Editorial Note

Although the arbitrator concluded the claimant was not severely affected, the working group observed that the claimant did endure suffering since the accident. The arbitrator’s dismissal of this aspect may not fully reflect the claimant’s hardship. Additionally, under the insurance policy terms, once the insurer denied compensation, interest at 15% per year should apply a condition the insurer was fully aware of but still contested.

Protect Your Rights – Start with Legal Consultation

Claiming compensation from accidents or injuries is complex, involving laws, evidence, and negotiations with insurers. Mistakes can cost you your rightful compensation.

👉 To ensure fair treatment, consult an insurance litigation lawyer at Wongsakorn Law Office. Our team is ready to advise, strategize, and act to fully protect your rights. Click >> Contact Us <<

Recover fully first

Car Accident Cases: The Driver’s Duty to the Injured – Don’t End Up in Jail by Blindly Trusting Your Insurance Company

Posted on by wongsakornsiri
23
Sep

When a car accident case occurs, the first thing many people think is, “The insurance company will take care of everything, since I’ve already paid my premiums.” But in reality, the driver or vehicle owner still has legal duties that must be fulfilled. Ignoring these responsibilities or blindly following the insurance company’s advice can not only disadvantage the injured party but also expose you to criminal charges. You could even end up in jail because of your own insurer.

This article explains why drivers must care for the injured, rather than arguing or saying, “If you want compensation, go sue,” and provides the right approach to avoid serious consequences.

Common Misunderstandings in Car Accident Cases

After a collision, many drivers tend to:

  • Obey everything the insurance company’s staff says.
  • Deny responsibility and tell the injured party, “Go sue the insurance company yourself.”
  • Believe that compensation is solely the insurer’s job, not theirs.

These mindsets are dangerous. Legally, the driver and vehicle owner are still the primary responsible parties regardless of insurance coverage. Neglecting the injured or acting confrontational can lead to additional charges, such as failure to provide assistance or even criminal liability for reckless driving causing serious injury or death.

The Driver’s and Owner’s Duties

When a car accident happens, the law and society expect the driver to:

✅ Stop the vehicle and render aid – fleeing the scene is a criminal offense and can result in imprisonment.
✅ Notify the police – to ensure the incident is officially recorded.
✅ Take the injured to the hospital – even if insurance will later cover costs, immediate assistance is the driver’s duty.
✅ Cooperate with the injured in claiming from insurance – often overlooked, this duty ensures the insurer compensates properly. The driver must support the victim’s rights, not oppose them.

Dangers of Blindly Following Insurance Companies

Insurance companies aim to minimize payouts, not to protect drivers at all costs. If drivers follow company instructions without judgment, they may bear full liability. For example:

  • Refusing to compensate → the victim sues both driver and insurer, but the burden mainly falls on the driver.
  • Not cooperating with the victim → the court sees this as obstruction, leading to harsher punishment.
  • Believing insurance covers everything → the insurer may deny coverage if policy conditions are breached.

Why Cooperate with the Injured?

Cooperation is not “surrendering,” but fulfilling your legal duty, with benefits such as:

1. Lower risk of criminal prosecution – courts see willingness to help as good faith.

2. Forcing the insurer to pay – when the victim asserts their rights with your support, the insurer cannot easily refuse.

3. Building social trust – assisting shows responsibility and reduces tension with the victim.

4. Saving money long-term – early resolution prevents costly lawsuits.

Mistakes That Can Lead to Jail

  • Telling the injured: “If you want compensation, sue.” → seen as defiance and irresponsibility.
  • Following the insurer’s advice to deny everything → insurer may refuse coverage, leaving you fully liable.
  • Refusing to take the injured to hospital → criminal charge for failure to provide assistance.

Correct Steps After a Car Accident Case

1. Stop immediately and help.

2. Call the police and insurer to record the incident.

3. Take the injured to hospital without hesitation over costs.

4. Collect evidence (photos, witness names).

5. Cooperate with the injured in filing insurance claims.

6. Consult a lawyer to prevent misinterpretation of your actions.

In the event of a car accident, you can consult a lawyer immediately, whether you are at fault or not.

Car accident cases are never minor; they involve lives, property, and your own freedom. Blindly trusting insurance companies may leave you facing criminal liability.

The most important duty of a driver is to assist the injured, support their rights, and treat the insurance company as a tool, not as your master.

If you are unsure how to handle a case, seek legal advice immediately to protect your rights.

👉 If you or someone you know is facing a car accident case and fears being sued or jailed, consult Wongsakorn Law Office. Our expert legal team specializes in insurance and accident cases, providing professional advice, case handling, and comprehensive protection of your rights.