Match vehicle insurance to the driver’s past record
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With the second-deadliest roads in the world, Thailand needs vehicular insurance coverage adequate for all possible damage.
Yet, in this week’s lorry rampage, the guilty driver who injured three people and damaged 38 vehicles had just B600,000 worth of coverage.
I suggest that, as in the US, coverage and premiums should be tied to a given driver, not the vehicle, because the driver is far more important to road safety. In this week’s case the driver should have been in the most expensive category, an “assigned risk”, with the highest coverage – since he’d been convicted of drug offences four times already. A safe driver, on the other hand, should be rewarded with lower premiums.
Each driver should be accountable for his acts.
Burin Kantabutra
