The Office of Insurance Commission has told insurers to speed up flood damage surveys for cars, homes and property, and to pay clear claims within 7 days, including in Bangkok. Hire-purchase cars that are total losses may face document delays; the OIC will work with the Thai Bankers' Association to speed paperwork. Premium grace periods are also available: up to 180 days for motor policies (except Class 1 and 2) and up to 60 days for life policies. Business owners with flood-damaged vehicles or insured premises should file claims promptly and gather policy and loan documents now.