The Office of Insurance Commission (คปภ.) says flood victims should first check whether their policy covers flood, since car Type 1 covers flood but Type 2+ and 3+ may need an add-on. Photograph damage item by item and note water lines, then report to the insurer as soon as possible and keep the Claim No. Gather ID, car registration, house registration or title deed copies. The regulator lists five car flood damage levels, from about 8,000–10,000 baht for carpet-level water to total loss. An insurer meeting on 28 Sep 2026 will discuss relief, and policies can be checked via LINE @OICCONNECT.