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  1. #1
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    First car accident in 11 years in Bangkok

    I'm driving to work this morning - yea I know it's Saturday but I always work the weekends doing training for flight attendants - and I'm cruising along Ratchadapisek heading to Rama IX.

    I'm in the outside lane with no traffic in front of me, when some git decides to change lanes - from a standing start. Well I have no chance. One hand on the horn and foot firmly on the brake until the gap closed to the inevitable...

    Actually not so much damage, but you can forget about going to work. Guy's driving a new Mazda 3. Works for a 'tent' so it's not his car and he has no insurance. My guy from AXA arrived within 20 minutes, and eventually we all trundled down to the local police station where Mazda got fined 400 baht for changing lanes. Oh, he doesn't have 400 baht...so we wait till his boss brings the money so that the forms can be filled in and I can get my claim sheet.

    Accident happened at 9ish and I'm out of the copshop by midday. Took the claim form to Honda in Rama V, and they told me 9 days to fix it...not too bad cause everyone told me it would be a month or so...

  2. #2
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    Whats a 'tent'?

  3. #3
    Have you got any cheese Thetyim's Avatar
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    Quote Originally Posted by MeMock
    Whats a 'tent'?
    2nd hand car lot

  4. #4
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    bad luck, but thats y ya gotta hav insurance!

  5. #5
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    Quote Originally Posted by kingwillyhggtb
    thats y ya gotta hav insurance!
    I quite agree for old people, their reactions are slow, their eyesight is probably no good, periphial vision is probably non exisistent, probably be best if they weren't allowed to drive and endanger younger people

  6. #6
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    Where does it say the Mazda driver was an old git?

  7. #7
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    I wasn't refering to the Mazda driver

  8. #8
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    takes one to know one hey doggy?

  9. #9
    ding ding ding
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    Quote Originally Posted by klongmaster
    he doesn't have 400 baht
    He's in a 750,000baht car but doent have a penny to his name.

    it's the same old story of show over substance that Asians love to do.

    Here's another example.....


    The (ex?) GF recently had an accident in her car over Songkran.

    She caused it.

    She hit a Fortuner. the guy driving said he owned the car but had no insurance whatsoever. (not even the cheap crap, the legal minimum). Its a 1 million baht vehicle less than a year old.

    My missus has a 1 year old honda civic. for the first year she had first insurance. when that ran out she decided to buy a 20k mobile phone instead of getting first insurance. ( She has the basic cover that will pay to fix the fortuner but not her car.)
    I advised her at the time at this was very foolish but she is Thai and her brain cannot compute the as yet unknown consequenses of her actions .... (she was probably thinking that her "rich" farang bf would bail her out of trouble later. damn how you can be so wrong!)

    Now she has a car that looks like it hit the titanic and no money to pay for the damage. ( I have refused to help pay for the damage, I'm not in the habit of seeing trouble coming, doing nothing and then paying for other people foolishness later )

    But here is what amazes me most about Thailand.....

    It seems that if you buy a car on finance the finance company own the car.
    In the real world the finance company would INSIST on FIRST class insurance cover during the duration of the finance agreement so "their" car would be covered aginst total loss / theft.

    It seems the finance companies maybe have not learned anything from 97?

    The above seems to be extremely risky, and not something I would ever even remotley consider!
    Last edited by Spin; 28-04-2007 at 04:45 PM.

  10. #10
    RDN
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    Quote Originally Posted by Helicopter
    I have refused to help pay for the damage
    Good man!

  11. #11
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    Quote Originally Posted by Helicopter
    Here's another example..... The (ex?) GF recently had an accident in her car over Songkran. She caused it. She hit a Fortuner. the guy driving said he owned the car but had no insurance whatsoever. (not even the cheap crap, the legal minimum). Its a 1 million baht vehicle less than a year old. My missus has a 1 year old honda civic. for the first year she had first insurance. when that ran out she decided to buy a 20k mobile phone instead of getting first insurance. ( She has the basic cover that will pay to fix the fortuner but not her car.) I advised her at the time at this was very foolish but she is Thai and her brain cannot compute the as yet unknown consequenses of her actions .... (she was probably thinking that her "rich" farang bf would bail her out of trouble later. damn how you can be so wrong!) Now she has a car that looks like it hit the titanic and no money to pay for the damage. ( I have refused to help pay for the damage, I'm not in the habit of seeing trouble coming, doing nothing and then paying for other people foolishness later ) But here is what amazes me most about Thailand..... It seems that if you buy a car on finance the finance company own the car. In the real world the finance company would INSIST on FIRST class insurance cover during the duration of the finance agreement so "their" car would be covered aginst total loss / theft. It seems the finance companies maybe have not learned anything from 97? The above seems to be extremely risky, and not something I would ever even remotley consider!
    Is this a suitable time for a "bunch of fuckwits" comment?

  12. #12
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    Its the mentality, you can't see insurance, or more importantly other people can't see it, so its of no use.

  13. #13
    Member corvettelover's Avatar
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    well said,its only material if its a phone

  14. #14
    RDN
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    Quote Originally Posted by peterpan View Post
    Its the mentality, you can't see insurance, or more importantly other people can't see it, so its of no use.
    Exactly. Insurance? You can't feel it or show it off. A friend of my g/f went to England for 6 months and left her moto-cy with me and the g/f to look after. Another friend of my g/f wanted to borrow it for a few days because some people were visiting her and she wanted to take them around Phuket on the bike. So I asked her if she would pay for any damage to the bike if she had an accident. She had no money so couldn't pay, so I didn't let her have it. She could always hire one for 150 baht a day.

  15. #15
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    Just to update: I had an annoying ding in my driver's side door which I was responsible for...opened the door too quickly without looking and whacked it into a pole...it's been there for a month or so, and I figured if I was going to get the accident damage repaired I might as well fix the door at the same time...

    called the insurance co and explained this to them...guy spoke good English...he told me go to Honda and call me when you get there...no need to send someone to look...we can do it on the phone...

    well Honda are just around the corner from me so off we went and sure enough...he talked to the guy at Honda...then faxed the claim form and in 30 minutes Honda had the claim number and added the door to the list of jobs to be done starting Wednesday...no cost to me...

    yea I know It will affect my premium next year but I have never benefited from a decent no-claim bonus and consequently keep changing the insurance companies...

    cost me 14,000 last year for comprehensive...t'will be interesting to see what it costs this year...

  16. #16
    ding ding ding
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    ^ its good the speed they deal with claims here.

  17. #17
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    I have to tell you all this: When I was first in Thailand and wanted a car with airbags, no matter what the cost, I can't tell you how many Thai people told me I was an idiot. They said things like " you know, you will only use the airbag, at best, one time, but if you buy a new stereo system, CD player, you will use that everytime you drive."

    If you have been in Thailand more than 5 minutes, you will know that any car that has airbags, also has a working radio and CD player. It usually also only comes in the version with leather seats, the sports bullshit package, the rust coverage, and every other thing you can possibly add to a car.

    So, my Thai friends worries that I might give up something in order to get the airbag was groundless. However, I think this insight into Thai thinking might help some of you to be confused even further, and want to embrace your logical home country even more ... but maybe not?

    Issues like this are probably the cause for most of the fights between Thai/Farang couples. Sorry, but I side up with the farangs.

  18. #18
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    Had an accident last time home (Honda jazz), driving up road and stupid lady on motorcycle decides to come down the wrong side of road to cut across to correct side, she pulls right in front of me and hit the left hand wing !!!
    She flies up the bonnet and hits the windscreen breaking it....

    Well immediately crowd gather and I was to blame, I telephoned the wife straight away and told her of location, etc, next thing two cops show up and they are wanting to arrest me ????
    I tried to explain I was on the correct side of road, she was not wearing helmet.....fell on deaf ears.
    Luckily the wife had phoned our police friend and he showed up and following a quick discussion with them the other two cops gave a quick salute and were off.

    I took the lady to the hospital and she was ok, must have a hard head, total cost of treatment was 170 baht, which I paid

    She did not have any insurance so it was left to me to get the car fixed on insurance, higher premium next year.

    It did cost me a bottle of Ballantynes 15 year to our friend but shared it with him also, because if he had not come it was going to be a major headache for myself.

  19. #19
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    Quote Originally Posted by kk boy View Post
    Had an accident last time home (Honda jazz), driving up road and stupid lady on motorcycle decides to come down the wrong side of road to cut across to correct side, she pulls right in front of me and hit the left hand wing !!!
    She flies up the bonnet and hits the windscreen breaking it....

    I took the lady to the hospital and she was ok, must have a hard head, total cost of treatment was 170 baht, which I paid

    She did not have any insurance so it was left to me to get the car fixed on insurance, higher premium next year.
    I understand why you took the dumbarse local to the hospital, as you had transport, but I have to ask why you paid her medical bill for her. It was a tiny amount, but it only adds to the local opinion that all farangs are rich and love handing their money to Thais for any reason whatsoever.

  20. #20
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    because in my opinion it was the right thing to do, it's the way I was brought up and how does it add to local opinion ? do you carry out extensive surveys regarding this ?

  21. #21
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    Quote Originally Posted by kk boy View Post
    because in my opinion it was the right thing to do, it's the way I was brought up
    You were brought up to believe that if an idiot damages your property and has no insurance, then you should volunteer to pay the cost of treating their injuries on top of your own loses?

    How are the local idiots ever going to learn to drive sensibly and get insurance if suckers bail them out?

  22. #22
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    FFS it's less than three quis, and don't give me "it's the principle" garbage

  23. #23
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    Small amount for rich foreigner, half a days wages for brainless peasant, right? Very noble of you.

  24. #24
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    I agree with Smeg on this one

    just because one is white does not mean it's their duty to pay for oh-so poor deprived locals.

    absoute naiivete to think all the Thais are poor - many have far more cash than I or you no doubt.

  25. #25
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    Quote Originally Posted by kk boy
    because in my opinion it was the right thing to do, it's the way I was brought up and how does it add to local opinion
    so would you act in the same way back in the UK if someone on the dole smashed your car up - would you pay for them to get new clothes etc..?
    I doubt it somehow.

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