no not true if you can show immi monthly deposits of 65k baht the previous 12 months then no need for an agent for the 2nd and forward. This is what I read in this group. And by the way it is not "should" but "have to use an agent every year" - which you don't if you have the funds.
why? because the foreigner usually gets the blame no matter what happened. A well known quote from the police : if you hadn't been there the accident would not have happened. And it is not a joke. Front and back camera is necessary and don't give the recording to the police but to the insurance company.