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Don't like this. Even if there is a year 1, it's not protected.

3/27 Edited to

... Read moreจากประสบการณ์ตรงของผู้ใช้ประกันรถยนต์ชั้น 1 หลายราย พบว่าการเข้าใจผิดเกี่ยวกับข้อกำหนดในกรมธรรม์อาจทำให้ประกันชั้น 1 ไม่ครอบคลุมความเสียหายตามที่คาดหวังไว้ แม้จะจ่ายค่าเบี้ยประกันในราคาสูงก็ตาม ประการแรก ควรอ่านและทำความเข้าใจเงื่อนไขการคุ้มครองอย่างละเอียด เช่น กรณีไม่คุ้มครองความเสียหายที่เกิดจากการเมาแล้วขับ, การขับขี่โดยไม่ปฏิบัติตามกฎจราจร หรือการใช้รถในลักษณะที่กรมธรรม์ไม่ได้ระบุไว้ ประการที่สอง หลีกเลี่ยงการทำเรื่องเรียกร้องที่มีข้อมูลไม่ครบถ้วนหรือการแจ้งเหตุล่าช้า เพราะอาจเป็นเหตุผลที่บริษัทประกันไม่รับผิดชอบ สุดท้าย การปรึกษากับที่ปรึกษาประกันภัยที่เชื่อถือได้ เช่น ครูพี่เครือประกันภัย หรือทีมอาจารย์แดง จะช่วยให้ผู้เอาประกันเข้าใจสิทธิและหน้าที่ของตนเองมากขึ้น รวมถึงประโยชน์และข้อจำกัดของประกันชั้น 1 อย่างแท้จริง การมีประกันรถยนต์ชั้น 1 เป็นสิ่งที่ดี แต่หากไม่รู้วิธีใช้งานหรือไม่ปฏิบัติตามเงื่อนไข ก็คงจะไม่ได้รับการคุ้มครองตามที่ตั้งใจไว้ ดังนั้น ให้ตั้งใจศึกษาและวางแผนก่อนทำประกันจะดีที่สุด

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