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The truth people use cars must know! "

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... Read moreหลายคนอาจเข้าใจผิดเกี่ยวกับการต่อ พ.ร.บ. ว่าต้องต่อภาษีรถยนต์ก่อนถึงจะทำ พ.ร.บ. ได้ แต่จริง ๆ แล้วตามประกาศจาก คปภ. รถที่ยังไม่ได้ต่อภาษีก็สามารถทำ พ.ร.บ. ได้เช่นกัน ซึ่งถือเป็นข่าวดีสำหรับผู้ใช้รถที่อาจมีปัญหาหรือล่าช้าในการต่อภาษีรถยนต์ จากประสบการณ์ส่วนตัว ผมเคยพบเพื่อนที่รถหมดภาษี แต่เขายังสามารถซื้อ พ.ร.บ. เพื่อคุ้มครองตามกฎหมายได้ทันทีโดยไม่ติดขัด เพราะ พ.ร.บ. ถือเป็นประกันภัยพื้นฐานที่สำคัญมากในกรณีเกิดอุบัติเหตุ โดยจะช่วยจ่ายค่าเสียหายเบื้องต้นให้กับฝ่ายถูกตามวงเงินคุ้มครองที่กำหนด สำหรับวงเงินคุ้มครองล่าสุดที่ คปภ. กำหนด ได้แก่ ค่ารักษาพยาบาลสูงสุด 80,000 บาท และค่าเสียชีวิต 500,000 บาท ต่อครั้ง ซึ่งเป็นข้อมูลที่ควรรู้ไว้ว่าจะได้รับความคุ้มครองอย่างไรในกรณีเกิดเหตุ นอกจากนี้การทำ พ.ร.บ. อย่างสม่ำเสมอไม่ควรปล่อยให้ขาด เพราะนอกจากจะเสียสิทธิ์ในการคุ้มครองแล้ว ยังอาจเจอกับค่าปรับและภาระค่าใช้จ่ายเพิ่มในกรณีเกิดอุบัติเหตุ การแบ่งปันข้อมูลนี้กับคนในครอบครัวและคนรอบข้างจะช่วยให้ทุกคนมีความเข้าใจที่ถูกต้องเกี่ยวกับสิทธิ์และหน้าที่ของผู้ใช้รถ และพร้อมป้องกันความเสียหายทางการเงินเมื่อเกิดเหตุการณ์ไม่คาดคิดขึ้นจริงๆ

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