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3. อย่าพยายามเดินทางคนเดียวให้หาเพื่อนร่วมทางนั่งไปด้วย จะได้ช่วยกันสังเกตและระมัดระวังกันได้มากยิ่งขึ้น
4. หากจำเป็นต้องขับผ่านถนนที่มืดเกินไปมีไฟสว่างน้อย ควรเปิดไฟสูงเพื่อให้มองเห็นทัศนวิสัยได้ชัดเจน หรือหากมีสิ่งขีดขวางด้านหน้าจะได้มองเห็นชัดเจนยิ่งขึ้น
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6. ไม่ควรขับขี่ด้วยความเร็วเกินไป เพราะหากโดนปาหินจะได้หลบหลีก เบรกได้ทัน ความเสียหายอาจน้อยกว่าขับขี่ด้วยความเร็ว
7. ต้องมีสติในการขับขี่ตลอดเวลา หากรถโดนปาหินอย่าหยุดรถในจุดที่เกิดเหตุ เพราะอาจมีคนร้ายแอบซุ่มทำร้ายเราได้ ให้พยายามขับต่อไปจนเจอบ้านคน หรือปั้มน้ำมัน เพื่อติดต่อขอความช่วยเหลือตามลำดับ
การเรียกร้องความเสียหายจากบริษัทประกันภัย เมื่อรถยนต์ได้รับความเสียหายจากการโดนปาหิน สามารถเคลมกับบริษัทประกันภัยได้ดังนี้นะครับ
ประกันภัยรถยนต์ภาคสมัครใจ (ประเภท 1,ประเภท 2,2+,ประเภท 3,3+) ประกันภัยรถยนต์ชั้น 1 เท่านั้นสามารถเคลมในส่วนความเสียหายของตัวรถยนต์ได้ ส่วนประกันภัยประเภทอื่นๆ ไม่สามารถเคลมได้ และหากเกิดเหตุแล้วควรไปแจ้งความไว้กับเจ้าหน้าที่ตำรวจเพื่อเป็นหลักฐานด้วยนะครับ
ทั้งนี้ตามเงื่อนไขหากรถยนต์มีความเสียหายจากการมุ่งร้าย ถูกกลั่นแกล้ง โดยไม่สามารถระบุตัวคู่กรณีผู้กระทำผิด วันเวลา และสถานที่ที่รถได้รับความเสียได้ชัดเจน ผู้เอาประกันภัยต้องรับผิดชอบค่าเสียหายส่วนแรก (Excess) 1,000 บาทแรกด้วย แต่หากสามารถระบุตัวผู้กระทำผิดได้ ผู้เอาประกันภัยก็ไม่ต้องเเสียค่าเสียหายส่วนแรกนะครับ
ประกันภัยรถยนต์ภาคบังคับ (พ.ร.บ.) หากมีผู้บาดเจ็บต้องเข้ารักษาตัวในโรงพยาบาล สามารถเคลมได้เลยจาก พ.ร.บ. โดยไม่ต้องรอการพิสูจน์ถูกผิดจากบริษัทประกันภัย โดยบริษัทประกันจะชดใช้ให้แก่ผู้ประสบเหตุภายใน 7 วัน นับตั้งแต่วันที่ได้รับคำร้องขอค่าเสียหายนั้น
– กรณีบาดเจ็บ จะได้รับการชดใช้เป็นค่ารักษาพยาบาลตามจริง แต่ไม่เกิน 30,000 บาท
– กรณีเสียชีวิต จะได้รับค่าปลงศพและค่าใช้จ่ายจำเป็นในการจัดงานศพจำนวน 35,000 บาท
– บาดจ็บแล้วต่อมาเสียชีวิต ค่ารักษาตามจริงไม่เกิน 35,000 และค่าปลงศพอีก 35,000 รวมแล้วไม่เกิน 65,000 บาท
และหากรถยนต์คันที่ประสบเหตุได้ทำประกันภัยรถยนต์ภาคสมัครใจไว้ กรณีมีคนบาดเจ็บ เสียชีวิต ไม่ว่าจะเป็นประกันภัยรถยนต์ประเภทไหน และประกันภัยรถยนต์ที่มีความคุ้มครองอุบัติเหตุส่วนบุคคล ก็สามารถเคลมค่ารักษาพยาบาล ในกรณีเสียชีวิต เพิ่มเติมจาก พ.ร.บ. ได้ ตามจำนวนที่ระบุเอาไว้ในกรมธรรม์ประกันภัยนั้น ๆ นะครับ
เห็นไหมครับว่าประกันภัยรถยนต์มีประโยชน์มากจริง ๆ และเมื่อเกิดเหตุการณ์ไม่คาดฝัน ประกันภัยรถยนต์ก็จะเข้ามาช่วยแบ่งเบาบรรเทาภาระค่าใช้จ่ายที่เกิดขึ้น ดังนั้นมีประกันภัยรถยนต์ไว้ดีกว่าไม่มีนะครับ
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