OIC 'takes action' on group of individuals' cases of insurance fraud who staged a murder to claim 14 million baht in insurance money, reporting suspicious circumstances that insurance fraud may have occurred, and may need to delay payment of compensation in such cases

Mr. Adisorn Pipatvorapong, Deputy Secretary-General for Legal Affairs and Inspection, the chairman of the meeting, revealed that the Office of the Insurance Commission (OIC) was notified of suspicious circumstances that insurance fraud may have occurred and may need to delay payment of compensation in such cases in order to comply with the policy of the OIC Secretary-General to supervise the Thai insurance industry to grow steadily, along with protecting the rights and benefits of the people, including giving importance to the prevention and suppression of insurance fraud. When receiving a request from an insurance company to investigate insurance fraud, all related companies were invited to attend a meeting at the OIC office, chaired by Mr. Adisorn Pipatvorapong, Deputy Secretary-General for Legal Affairs and Inspection, to examine the facts and related evidence.

The results of the meeting were able to conclude the initial facts that there was likely a group of people who colluded to stage a car accident that resulted in a death, with the intention of claiming compensation under the insurance policy. In this case, the said individuals created a situation where the deceased, who was a passenger in the back of the pickup truck with the registration number Kor Por 2576 Sakon Nakhon, fell out of the back of the said vehicle, causing the pickup truck with the registration number Por Por 2872 Udon Thani, which was being towed by the pickup truck with the registration number Bor Sor 1720 Kalasin, which was driving behind, to run over the deceased until he died. From the investigation, it was found that The pickup truck with the registration number Kor Por 2576 Sakon Nakhon has 12 compulsory insurance policies and 4 voluntary insurance policies. The pickup truck with the registration number Bor Sor 1720 Kalasin and the pickup truck with the registration number Por Por 2872 Udon Thani have 5 compulsory insurance policies and 1 voluntary insurance policy each. There are 15 insurance companies with a total of 28 insurance policies, with a total compensation of over 14 million baht.

Most of the insurance policies were issued only 10 days before the incident, and the other 2 policies were issued on the day of the incident. Furthermore, on the day the incident occurred, no one reported the incident to any of the 15 insurance companies, and there was no report from the rescue unit. In addition, the condition of the deceased's wounds was not consistent with the nature of the accident. These factors indicate reasonable suspicion that insurance fraud may have occurred.

Mr. Adhisorn added that in principle, the insurance company must compensate for the damages. The insured or beneficiary must strictly comply with the conditions specified in the insurance policy. If the insurance company does not pay compensation according to the conditions specified, it will be considered as delaying the payment of compensation, which is a criminal offense. Any claim that is insurance fraud must have supporting evidence to deny compensation. However, if it can be proven that the insured, beneficiary or person entitled to claim under the insurance policy acted fraudulently or committed insurance fraud, the insurance company has the right to deny compensation without it being considered a crime of delaying the payment of compensation. And the perpetrator may also be criminally liable for insurance fraud.

Therefore, the Legal and Litigation Division, led by Mr. Jom Jirapaet, Assistant Secretary-General of the Legal and Litigation Division, has ordered the legal and litigation division to proceed with filing a complaint against the perpetrators with the officers. The Legal and Litigation Division has collected facts along with evidence to file a complaint against the perpetrators and their group of 5 people on charges of fraudulently demanding benefits under the insurance policy or presenting false evidence in the claim, which is an illegal benefit. Which is an insurance fraud offense under Section 108/4 of the Insurance Act B.E. 2535, amended by the Insurance Act (No. 4) B.E. 2562, Deputy Superintendent (Investigation), Sakon Nakhon City Police Station, at the Sakon Nakhon Provincial Police Headquarters on March 20, 2025.

Most recently, the police have arrested 5 suspects and charged them with premeditated murder in order to get insurance money, which is the main charge. For the progress of the case, the Office of the Insurance Commission will report further.

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