Rear ended by uninsured

[Pragmatic]

Today I was rear ended by some bint that wasn't insured. Oh fcuk what to do now? First phone the police. They come out and assess the accident. Due to one party not being insured it's not as simple as it would be if both had been. Both parties are told to report to the local cop shop.

Once there the duty officer seems to have been told, in advance, as to whose fault it was. Cuz I was stationary the shunter was told it was her fault. She accepts that and is fined 400 Baht for 'driving without due care and attention' or the Thai equivalent. Both parties have to show their DL's and ID. An officer then writes up, on computer, the incident and the outcome. Which is signed by both parties.

Both parties are told to go to the local dealers and get a quote for repair to my car, with the shunter agreeing to foot the bill. The shunter is bound by the statement taken at the cop shop. The shunter has to be shown the repair cost at the dealers. She then accepts and transfers the money to my missus bank account before leaving. The dealers then books the car in for repair.

Total time taken from shunt to leaving the dealers was 3.5-4 hours. I can see why it's better, if no police attend, to settle things amicably.

[Dragonfly94]

I guessed 4 hours before I got to the end, paperwork and all that. Cops usually act as if they never had to do it before

[Orrens]

At least you have a result.
Calm down, drink a medicinal beer or twelve then howl at the moon.

Works for me.

Orrens

[bowie]

Thanks for the info.

[Luigi]

Glad it all went smoothly.


Wasn't it you that almost killed some one-legged old man in yer pick-up last year?

How many car accidents have you innocently taken part in in Thailand?

[Topper]

Glad it went smoothly for ya PAG!

[cisco999]

I don't know if this is true or not but an agent I had before the current one said in Thailand if I'm ever struck by a car that has no license plate I'm not covered for anything. I had first class insurance.
Anyone know if that 's BS or not? She was emphatic about it.

[Maanaam]

If you're insured, why isn't it your insurance company's responsibility to chase the shunter? Get the police report, file a claim, job done.

One thing I noticed when I first got here was whenever there was an accident both parties left the vehicles in situ. I was told it was because they had to wait for the insurance assesors or cops to arrive and if they moved the vehicles they risked voiding any claims. TIT, so even though that explanation beggared belief (with all the traffic chaos that ensued with damaged vehicles not being moved), I sort of accepted it. Perhaps it's a perpetuated urban myth of the South?

^What's the point of insurance if a wanker hits you and you're not covered because he's in the wrong? May as well just have third party. Doesn't make sense...but TIT.

[Pragmatic]

Wasn't it you that almost killed some one-legged old man in yer pick-up last year?

How many car accidents have you innocently taken part in in Thailand?

Yes it was me that hit a 1 legged man up the arse on his motorcycle after he exited a side road without looking. My dashcam proved my innocence at the cop shop.
Only been involved in 2 insurance claims in 13 years of driving in TingTong Land and this 3rd accident is the first time the other party fronted up. I've never been the guilty party of an accident.

Anyone know if that 's BS or not?

I think BS.

[Pragmatic]

What's the point of insurance if a wanker hits you and you're not covered because he's in the wrong?

That's where you need the police to sort out who's to blame and enforce them to account.

Just imagine how much time is taken up by the police sorting out traffic accident blame. Making insurance compulsory for everyone negates the need for police to get involved. Simple innit?

[crackerjack101]

We just got new class 1 insurance on our little Yaris, THb 21,000 for the next 12 months.
I was initially a bit shocked, but we'd got the 10 % discount for the cam, and, looking around it seems about right.
We'll do the truck next year but it'll be 3rd. party.

[Chittychangchang]

Glad it worked out for you.

What happens if the other party carn't or won't pay?

[Maanaam]

That's where you need the police to sort out who's to blame and enforce them to account.

Just imagine how much time is taken up by the police sorting out traffic accident blame. Making insurance compulsory for everyone negates the need for police to get involved. Simple innit?

That's what insurance assesors are for and why we pay premiums.
I don't know how it works in other countries, but in NZ it's very very simple. After a ding, it's a legal requirement to exchange details. That's it. Go home, call the insurance company, fill out a form and leave it to them. If one party is uninsured, it's the insured person's insurance company that does the leg and legal work to recover costs.
If there is a conflict of statements, both parties may be asked to testify, but usually the assessors are pretty much wise to every angle and they will (assuming different insurance companies) work together to sort it out.

^ Exactly...that's your insurance company's burden.

There's not much point to insurance if the burden of getting the guilty party to pay falls upon you. Thanks for the red and rude comment, Cisco. I don't understand why you took offense at my reply to your post.

[Loy Toy]

If you're insured, why isn't it your insurance company's responsibility to chase the shunter?

Why people (who have insurance) get involved with police and others here without the aid of the service they pay for is beyond me.

Every dingle I have had here I sleep in the car until the insurance arrives. Then they take over.

[aging one]

That's what insurance assesors are for and why we pay premiums.
I don't know how it works in other countries, but in NZ it's very very simple. After a ding, it's a legal requirement to exchange details. That's it. Go home, call the insurance company, fill out a form and leave it to them. If one party is uninsured, it's the insured person's insurance company that does the leg and legal work to recover costs.
If there is a conflict of statements, both parties may be asked to testify, but usually the assessors are pretty much wise to every angle and they will (assuming different insurance companies) work together to sort it out.

^ Exactly...that's your insurance company's burden.

Where do you live? When did you move out of Hadyai and Thailand?? Thanks for telling us how it works in NZ. Shall I tell how it works in America?

Nah, I dont think so I live in Thailand and do my best to understand and rationalize their take on life.

[bowie]

about 2 months ago I got clipped in the rear by an uninsured driver in a pickup. No damage to my car, his bumper was "loose" probably loose before the "accident" he wanted to go to the police station so I would have to pay for the damage to his truck. I think this was a scam to get his pickups bumper repaired. I have a white sylphy, the bumper had "black" smudged on it.

Anyway, I refused to go the the cop shop, called the insurance company. 15 minutes later a motorcycle came, took pictures and we drove home. End of story.

Never heard another word about it. Figured if I went to the cop shop one of his "buddies" would of found a way to blame it on me. Don't know for sure but the whole incident never passed the smell test.


FYI, two years running now my first class auto insurance has been THB 20-21k/annum. Well worth it.

[Pragmatic]

What happens if the other party carn't or won't pay?

I asked my missus that but she didn't know. So hopefully someone will jump in and let us know?

[Pragmatic]

Every dingle I have had here I sleep in the car until the insurance arrives. Then they take over.

No they don't, not wanting to cause an argument. My first accident involved a car scraping my door with his wing mirror while I was parked. The guy did a runner. I went after him and got him to stop. Got the police to attend but the cop wasn't interested and just marked the road in white spray paint. Insurance guy turns up and the third party states he has no insurance. My insurance guy just turned and said 'we claim on your insurance'. End of.

[Maanaam]

Where do you live? When did you move out of Hadyai and Thailand?? Thanks for telling us how it works in NZ. Shall I tell how it works in America?

Nah, I dont think so I live in Thailand and do my best to understand and rationalize their take on life.

Yeah, tell us how it works in America. It will be an interesting comparison, and also a yard stick to look at the Thai system, which is why I mentioned the NZ system, as nobody seems to really know how it works here.

Good for you trying to rationalise Thailand and their take on things.
Doesn't rationalisation benefit from comparison?

[aging one]

Doesn't rationalisation benefit from comparison?

Nothing is going to change mate. I have been here 30 years now. Stopped bitching about a year ago on the advice of many. Still vent and complain but never speculate on change. Its all in how you look at it if you are here for the long term..

[bowie]

Nothing is going to change mate.

"Its all in how you look at it" post many years of conditioning I've developed the thai attitude of apathy, it just doesn't really matter, nothing really matters, at all...

[HuangLao]

Glad it all went smoothly.


Wasn't it you that almost killed some one-legged old man in yer pick-up last year?

How many car accidents have you innocently taken part in in Thailand?

The goodness and righteousness of Farang always prevails....

[NamPikToot]

First stage is recognition. I found the same, as you get older your tolerance level seem to recede at the same rate as your hairline. Find your self become very much like a Victor

Nothing is going to change mate. I have been here 30 years now. Stopped bitching about a year ago on the advice of many. Still vent and complain but never speculate on change. Its all in how you look at it if you are here for the long term..

[NamPikToot]

Prag, apologies for the hijack

[Troy]

If you're insured, why isn't it your insurance company's responsibility to chase the shunter? Get the police report, file a claim, job done.

One thing I noticed when I first got here was whenever there was an accident both parties left the vehicles in situ. I was told it was because they had to wait for the insurance assesors or cops to arrive and if they moved the vehicles they risked voiding any claims. TIT, so even though that explanation beggared belief (with all the traffic chaos that ensued with damaged vehicles not being moved), I sort of accepted it. Perhaps it's a perpetuated urban myth of the South?

^What's the point of insurance if a wanker hits you and you're not covered because he's in the wrong? May as well just have third party. Doesn't make sense...but TIT.

It's the same in Germany. Insurance requires police report and police need to see the accident to report it. No-one moves their car until the report is completed. As far as I can tell, it's all about trust, or lack of it.