{
  "id": 11431016,
  "title": "Insurance regulator sets 5 flood-damage levels for vehicles",
  "url": "https://urgent.news/2026/10/02/insurance-regulator-sets-5-flood-damage-levels-for-vehicles-11431016",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-02T10:04:00.000Z",
  "source": {
    "name": "Bangkok Post Business",
    "slug": "bangkok-post-business",
    "url": "https://www.bangkokpost.com/business/motoring/3330264/insurance-regulator-sets-5-flooddamage-levels-for-vehicles"
  },
  "original_language": "en",
  "account": "The Office of Insurance Commission (OIC) in Thailand has established five levels of flood damage for combustion-engine vehicles, depending on the water level. Electric vehicles require additional assessment of battery and other damages. OIC chief Chuchatr Pramoolpol advised flood victims to prioritize safety and wait for safe conditions before visiting flooded areas. Policyholders must check if their policies cover flood damage and document the vehicle's condition, including water levels and images. Insurers are urged to prepare for a surge in claims, with expedited damage assessments and surveys, and to provide claims channels for policyholders.",
  "summary": "The Office of Insurance Commission (OIC) has set five damage levels for flood-affected combustion-engine vehicles, based on how high the water reaches, as Thai insurers prepare for a surge in claims once floodwaters recede.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Bangkok Post",
        "title": "Insurance regulator sets 5 flood-damage levels for vehicles",
        "url": "https://urgent.news/2026/10/02/insurance-regulator-sets-5-flood-damage-levels-for-vehicles",
        "published": "2026-10-02T10:04:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}