SI SA KET – The owner of a PTT petrol station and 7-11 store, faces damages estimated at 14 million baht and has not received any support from either insurers or the government. Since the attack, she has struggled with trauma and needs psychiatric care. Seven days on, she still finds it difficult to eat or sleep.
Repairs have forced the petrol station at Ban Phue to close for at least two months. More than 50 staff now have no clear way to earn a living, Kamolrat said.
Her business had policies with two insurance companies. The first does not cover losses linked to war, even if the government brands the area a war zone. The second policy will only pay for part of the structural repairs.
Government help remains uncertain. Deputy Energy Minister Fuangwit Anirutthewa visited the damaged site last Thursday but only promised to suggest compensation measures, without providing any details.
Kamolrat also criticized officials for not warning the public sooner. The rocket from Cambodia that killed 8 people landed on the morning of July 24, but the warning sirens were not sounded until mid-afternoon.
She stressed that the business owners could not have seen this coming and should not be blamed. Kamolrat called on the government to step in and support business owners affected by the border conflict.
Insurance companies in Thailand may deny coverage for several reasons, often tied to policy exclusions, non-compliance with local laws, or failure to disclose critical information.
Insurance companies in Thailand, like elsewhere, may deny claims for various reasons, including policy exclusions, insufficient documentation, or suspected fraud.
The insurance industry is regulated by the Office of Insurance Commission (OIC), which sets guidelines to protect policyholders but also allows insurers to enforce contract terms. Denials can affect both individuals and businesses, particularly in sectors like health, motor, or property insurance.
Many standard policies exclude certain risks (e.g., common medical procedures, specific business interruptions, or natural disasters unless additional coverage is purchased. Businesses may be unaware of these exclusions when filing claims.
