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Accidents in Laos - Be Prepared

Bikes are covered with 3rd party insurance only. This does not cover damage to the motorcycle or rider(s) to a great deal in case of accident.  Damages to motorcycles are the responsibility of the renter.  Coverage limits in Laos are fairly low and if the accident is severe, AGL insurance must be called.  If it is minor and you can settle the damages on the spot, do so.  Getting the police and AGL involved takes a long time and be prepared to wait at least 1 day.  If it is your fault, the police may hold the bike until you pay compensation over and above the AGL policy.

 

1.        Motorbike rider must have international driving license or valid home country permit with motorcycle endorsement.

2.        If you have motorbike or car accident please do not remove the motorbike from the accident place, keep the accident location intact until Police or village chief come. They need to note the location, measure and take photos of the scene before anything is removed.

3.        If you are in a remote area and far from the police, you need to find the Village Chief, (Nai Ban).  They will make the notations for the scene and take the details.  You will need to have his notations signed and stamped by them.  Take your own photos as well, be sure to include the number plates of all vehicles involved.

4.        Call to the insurance center in Vientiane immediately and give them all detail of your accident conditions.

5.        Motorbike rider should pay for any cost during accident situation, refunds come only after the investigation is completed by the Lao Insurance Agent.

6.        Collecting all the bills that you paid for hospital, medicines ETC to return to the motorbike rental company.

 

From AGL, Assurances Group Laos:

 

What should you do in case of an accident?

If you have an accident, please follow the instructions below:

1. Alert AGL immediately by calling our road assistants: 021-22 2222. 24h/24, 7/7.
2. Do not touch or move the vehicles except if it creates a traffic hasard. In this case, it is necessary to leave a trace of the vehicles.
3. If someone is injured, he/she should be taken immediately to the nearest hospital.
4. If the accident occurs in a remote place and you can not contact AGL, you need to:

Contact the local traffic police and the local authority (chief of village).
Make a report of the accident in conjunction with the opposite party following the claim form given by AGL together with document contract.
Take a photograph of the vehicles or of the damaged goods caused by the accident. Photo should show the vehicle registration number and the damages due to accident.
Provide the above details to AGL as soon as possible

Any compensation provided to opposite party without AGL agreement does not guarantee company assistance.

 

Compulsory Motor Insurance

By legal binding, all vehicles circulating in Lao PDR must have insurance to cover their victims in case of road accidents.
AGL Compulsory Motor Insurance is the basic vehicle insurance determined by the Lao government as an indemnifying tool for road accident victims.

Whether you are the owner of a tuk-tuk, a pick-up, a motorbike, or a truck. You are required to have at least Compulsory Motor Insurance for your vehicle.
Even if you are a very experienced and cautious driver, you may be involved in a traffic accident and there may be victims of bodily injuries or loss of life.

Drive with a peaceful mind, knowing that if you are involved in an accident AGL will reimburse the other party as follows:
> Medical and hospital costs in case of injury
> Permanent disability compensation
> Death compensation to victim's family

To get a maximum coverage
If you need cover for material damages caused to Third Party Liability which you are liable, please see
The Third Party Liability Motor Insurance.

If you need to cover your own vehicle against damages resulting from any kind of accident, please select
The Complementary Motor Insurance.

> Cover and tariffs of Compulsory Motor Insurance

Third Party Liability Motor Insurance

Third Party Liability of Motor Insurance covers your costs in the event of causing a traffic accident.

Drive with a peaceful mind, kwowing that if you are involved in an accident AGL will reimburse the other party as follows:
> Medical and hospital costs in case of injury
> Permanent disability
> Death compensation to victim's family
> Damage to property (e.g vehicle, object, animal and/or transported goods)

Please note that the Third Party Liability Insurance will only cover the damages obtained by a third party resulting from an accident in which you are responsible but does not cover you (the driver) and your vehicle.

AGL can also provide cover to you (the driver), and damages of your vehicle. You can also increase the cover of your passengers.

For more details, please see AGL Complementary Motor Insurance.
Please remember that Compulsory Motor Insurance is the minimum level of insurance you are obliged to subscribe to for the protection of victims of road accidents.
For more details, please see
AGL Compulsory Motor Insurance.

> Cover and tariffs

Complementary Motor Insurance

Why should you subscribe to Complementary solutions in addition to Third Party Liability Motor Insurance?

The Third Party Liability of Motor Insurance only guarantees cover when you are the faulty party in a road accident. With this insurance other people are covered but you and your vehicle are not.

Therefore, AGL strongly recommend subscribing to our complementary solutions which can cover yourself as a driver, as well as the passengers in your vehicle and your vehicle.

With AGL Complementary Motor Insurance, you can obtain cover for:

• Your
own medical expenses, compensation for permanent disability and Life Coverage- Higher cover limit compare to Compulsory Motor Insurance

• Medical expenses, life coverage and compensation of permanent disability for passengers in your vehicle

• Legal defense in case the matter needs to be resolved in the court

Please note that you should obtain Third Party Liability Motor Insurance before subscribing to complementary solutions

For Vehicle Own Damage Cover, the condition and value of vehicule will be taken in to consideration.

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