OIC sets 5 flood-damage levels for vehicles

ThaiRoundup·published 03 Oct 2026, 04:04 ICT·updated 1d ago

The Office of Insurance Commission (OIC) has defined five damage levels for flood-affected combustion-engine vehicles, from water reaching the floor carpet (Level A) to complete submersion (Level E), which may be deemed a total loss. Policyholders should verify their coverage, avoid starting flooded vehicles, document damage safely, and notify their insurers. The OIC hotline 1186 is available 24/7 through October 5 for assistance.

Context — no action needed.

• flood
• insurance
• vehicles
• claims
• safety