Por Ror Bor (พ.ร.บ.) is Thailand's compulsory motor insurance. Every car and motorcycle on Thai roads must have it under the Protection for Motor Vehicle Accident Victims Act B.E. 2535 (1992). It pays for injuries and deaths, not for vehicle damage, and it covers foreigners in the same way as Thai nationals.
Who Por Ror Bor covers
Anyone injured or killed in an accident involving a motor vehicle: drivers, riders, passengers, and pedestrians. Nationality and visa status do not matter.
What Por Ror Bor pays
| Benefit | Amount per person | When it is paid |
|---|---|---|
| Initial medical expenses | up to ฿30,000 | Without proving who was at fault |
| Initial payment for death or permanent disability | ฿35,000 | Without proving who was at fault |
| Death or permanent disability, if you were not at fault | up to ฿500,000 | After fault is established |
Amounts are set by ministerial regulation and can change. Further benefits, such as daily hospital compensation, may apply. We confirm the current limits for your case.
How to claim Por Ror Bor
- Get the insurer's name from the vehicle's Por Ror Bor sticker, its registration documents, or the police report.
- Many hospitals bill Por Ror Bor directly for initial treatment. Tell the hospital you were in a road accident.
- For other claims, send the insurer a copy of your passport, your medical certificate, receipts, the police report, and the vehicle details.
- Claim within 180 days of the accident.
If the vehicle had no insurance, or it was a hit-and-run
You can still claim initial compensation from a government compensation fund for road accident victims. The fund can also pay the balance if an insurer pays less than it should. We file this claim for you.
Por Ror Bor is only the start
Por Ror Bor limits are low compared with real hospital bills in Bangkok, especially at private hospitals. It does not pay for lost income, pain and suffering, or damage to your vehicle. For those, you claim against the at-fault driver and their voluntary insurer. That is where most compensation comes from, and where insurers most often stall or lowball. See how we handle claims against the at-fault driver's insurer.