Thread: Rear ended by uninsured

Originally Posted by 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.

same.in Laos. Never move the car from the accident scene. If you do its all void and you wont even stand a fighting chance of arguing wirh them farangs always wrong any way right?. Even if you see its gonna fuck jp the traffic. Just leave it there. Bell the insurance company and wait. . Happened to me many times. Not that im a coont of a driver. Just unlucky

Originally Posted by Pragmatic

I believe Australia has the same set up as Thailand, whereby insurance isn't compulsory? So how does it work there when one party, in an accident, doesn't have insurance?

Havent lived there for a while now prag but when i did i was pretty sure i was always under insured always worked mining FIFO so didnt realky need a flash car. I always drove $ 500 beaters until they died but in aussie when you pay your rego your at least covered for 3rd party insurance.

Heres a funny story. When i fist arrived in Laos 13 years ago i bought an old Isuzu trooper for $4000 great bus and and drove it all through Lao and Vietnam. My girlfriend ( now my wife) took driving lessons for about 6 weeks but not enough lessons to tell her where the fooking brake pedal was located.. consequently she decided while i was in the shower at 6 in the morning and was going to australia that morning that she would take the car and go get some Baguettes ( must of thought i was a was french) anyway she put that car through 2 brick walls and killed a couple of tanks n pumps. And a chicken Scared the fuck out of my german neighbour wolfgang who was coitus at the time but lucky nobody injured. Bottom line. Insurance guy turned up and politely suggested that as my wife had no driving licence yet we should just say I was Driving. Ok. Sure. And heres a crisp $ 100 note but can you get my neighbours tanks and pumps sorted. Bit of corruption works in my favour sometime.

Lucky not rear ended by someone without proper protection, a man dreaming he is a butterfly or a butterfly dreaming he is a van

^ ^did you get your baguette?

Originally Posted by Maanaam

That is so 1980's. Modern insurance companies now have what they call a "knock for knock" agreement where they all have an "excess", but not for no fault, and the companies sort things out between themselves as it all balances out in the long run and the customer is not inconvenienced.

Maanaam
That is because it was that long ago since I last had comprehensive insurance in Australia.
I had an accident once and after the car was repaired by the insurance company I picked it up and on the way home that evening I went through a spoon drain and the front end collapsed and I ended up wrapped up in the farmer's fence. The front suspension bar had been cracked in the first accident but the Insurance company wouldn't fix it again on the first claim, they made me make a second claim (second excess) and then refused to insurance me because I had had 2 claims within 3 months. Once I was refused Insurance by 1 company no others would insure me either so I never had insurance in Australia after that.

I think the system you described is an improvement.

Originally Posted by Dillinger

I havent had to go the police, the insurance company are coming out in a couple of days. I'll point out the other dents and dings that need fixing then too

Dillinger
I made my comment on the assumption you were talking about in Australia as that was where my comments were meant to refer to. Here in Thailand I wouldn't know what you would need to dobut from what you are saying no need to go to the police just let the insurance guy sort it out.

Originally Posted by OhOh

If, on your "neighbour across the road's video", the culprit is "identified" as an elephant with white patches on it's skin, would the police dare to intervene and apportion blame??

OhOh
If you read Dillinger's question again you will see that he said if he got up in the morning and found his car damaged. So the elephant had already left the scene and the police couldn't intervene BUT they could have made a report stating that the damage was caused by an elephant and not by the owner. Which would (in my opinion) mean the insurance company couldn't argue about paying.

^Thanks. I would have worried all night.

Bollocks, he drove home totally annihilated after Manchester Utds defeat and carn't remember fook all about why his car is smashed up with half of Nakon Noi's 24hour som tam road side stall attached to the front bumper.
Fooker will be putting in a claim for whiplash at this rate

So, Prag gets rear-ended by a some bint out of the blue. Clearly, Brexit karma biting him in the arse.

Originally Posted by Seekingasylum

So, Prag gets rear-ended by a some bint out of the blue. Clearly, Brexit karma biting him in the arse.

Nice to see you back 'TheGents'.

How bad was the damage to your motor Prag?

Did you put a Brexit bashing whiplash claim in?

Driving from Bangkok to Pattaya yesterday in gridlocked traffic on the elevated tollways, which took 5 hours btw; I came to realise how fucked you'd be if you did have an accident up there. There's very few turn offs now and the fukkin retards use the hard shoulder as an extra lane.It took an hour and half to do 3 kms at one point.
You're in for a slow painful death if you have a bad accident up there

Originally Posted by Dillinger

How bad was the damage to your motor Prag?

At the time it looked bad as the rear bumper was bowed into the spare wheel. I wasn't sure if the wheel mounting bracket was damaged. They removed the rear bumper to carry out a proper assessment and the dent sprung out itself. All that was needed was a paint job in the end.

Originally Posted by Dillinger

Driving from Bangkok to Pattaya yesterday in gridlocked traffic on the elevated tollways, which took 5 hours btw; I came to realise how fucked you'd be if you did have an accident up there. There's very few turn offs now and the fukkin retards use the hard shoulder as an extra lane.It took an hour and half to do 3 kms at one point.
You're in for a slow painful death if you have a bad accident up there

Nature's way of thinning out the herd.

Did you at least get a photo of her pointing at it Prags?

Originally Posted by Dillinger

Driving from Bangkok to Pattaya yesterday in gridlocked traffic on the elevated tollways, which took 5 hours btw; I came to realise how fucked you'd be if you did have an accident up there. There's very few turn offs now and the fukkin retards use the hard shoulder as an extra lane.It took an hour and half to do 3 kms at one point.
You're in for a slow painful death if you have a bad accident up there

...but a beautiful view of the skyline.

Originally Posted by Luigi

Did you at least get a photo of her pointing at it Prags?

Sorry no. She was probably behind me giving me the bird.

I see she's put a decent set of aftermarket rims on her uninsured car. Thais and their priorities

How much did it cost her in the end?

Originally Posted by Dillinger

I see she's put a decent set of aftermarket rims on her uninsured car. Thais and their priorities

How much did it cost her in the end?

She was high-so and didn't seem bothered at all that it was gonna cost her. Overall I don't know what her costs were other than she needed a new car bonnet minimum, plus the fine, plus the labour cost to do the damage assessment on my car. The paint job on my car was just over 6,000 Baht.

Originally Posted by Pragmatic

Overall I don't know what her costs were other than she needed a new car bonnet minimum, plus the fine

Didn't she offer to settle without getting the b.i.b involved?

Originally Posted by Dillinger

Didn't she offer to settle without getting the b.i.b involved?

She did but I didn't really like her attitude. She never apologised once for the problem. She really couldn't give a fcuk. That got me angry. And secondly the police turned up on site and they then decided that we both attend the police station. Initially she actually wanted me to give her a figure and for me to claim on my insurance. Okay I could have gone down that road but I'm too honest. Anyways, once the police turned up things changed. She'd committed an offence and she had to go pay the fine.

hi/so in a Mazda 2?

Originally Posted by aging one

hi/so in a Mazda 2

...definitions of hi-so may vary...