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?
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?
If you're insured and an uninsured hits you, your insurance company is supposed to pay you out and then they chase the 3rd party. That's what full cover is insurance is for.
Read your fine print...they may have written in an out for this sort of situation. Wouldn't suprise me.
Firdst a qualifier, I haven't had any experience with Insurance claims in several years in Australia but this is how I believe it works.
Cars A and B have an accident, first thing is if no-one is hurt the drivers exchange particulars and move on, if someone is injured then the vehicvles should be left in position and the police notified. Once the police have given permission for the vehicles to be moved then its up to the drivers to arrange for that to happen. This is not usually difficult as tow truck drivers are like ambulance chasers.
Now to get their cars repaired the drivers go to their Insurance companies and make a claim on their insurance policy i.e. if they have one
The Insurance company will obtain the police report which should have apportioned blame.
The Insurance company of the not at fault driver then seeks recompense from the Insurance company of the driver at fault.
If the driver at fault has no insurance then the that driver will be sued to recover the cost of the repairs of the car of the driver not at fault.
If neither driver has insurance then I presume its a matter of who has the most gold wins in a shit fight, or they just both go their own way.
As for Insurance being non-compulsory that is not true for third party personal insurance which is included in the cost of registration of the vehicle, this is only relating to personal injuries sustained in the accident by people other than the at fault driver i.e. the not at fault driver is covered.
As for insurance for the vehicles there is a choice of full comprehensive insurance which covers everything or third party insurance which just covers the other vehicle not your own if you are deemed to be at fault.
Disclaimer: I have been known to be wrong before.
There's a compensation fund set aside by UK insurance companies for victims of uninsured drivers in the UK.
Is there something similar in Thailand?
I thought Ootai's post was referring only to Australia but I could be wrong. But to address your point, legally you do not need vehicle insurance for cars and motorbikes in Thailand. I have never had either in Thailand. All you need is the por ror bor, which only covers limited medical costs for third parties. It won't pay for any vehicle repair costs.
Oops you're right, I'd misread it.
Ahhh yup cheers... That's what I was confusing it with.
On a related note on car insurance overall in Thailand I've always found the assessment and claims process to be quick and painless in my experiences (yes plural, I'm a shit driver ).
Here's an insurance
question-
If in the morning you go to your car and the front ends smashed in and you have no recollection of hitting anyone/thing or anyone hitting you- do you need a police report before calling your insurance?
No. You need to consider quitting drinking.
^ Second day into Sober October
Similar here, mine was hit while parked behind 3rd Rd/Tai Honda dealer and driver made a quick exit, insurance guy turned up, mosai taxis drew his attention to Honda's CCTV aimed directly at the scene which would have captured the event with the other car's number plate, but he dismissed that through a phone chat with my wife as too complicated and unnecessary as there were no injuries, and went on to fill out the forms for my own insurance to cover.
Should 1st class insurance include replacement vehicle during repairs? Mine doesn't, or so they tell me.
^^ The latest Southern Comfort binge diet appears to have shrunken my gut a little.
In places of ill-repute
Dillinger
I would think that you would need to report the damage to the police if you wanted to make a claim on your insurance and unless through some miracle i.e. CCTV footage of the neighbour acrosss the road that led to the culprit being caught then you would still have to claim on your own insurance policy. If somehow you did manage to prove it was someone else's fault I would guess you would still need to claim on your own policy but the Insiurance company would probably be magnaminous and allow you to keep your "no claim bonus".
This no claim bonus is substantial, my last one was 35% of the premium. I am sure that the insurance companies do this so that people have an incentive to not have the claim made to their policy but rather to the other at fault driver's policy saving the company of the not at fault driver that money.
Of course if both drivers have the same Insurer then it wouldn't matter to the company but would still be beneficial to the not at fault driver. All this, of course, is related to what happens in Australia not Thailand.
I think one of the confusing things that happens when people talk about Third Party Insurance is that they don't always make the distinction between personal third party and vehicle third party insurance. In most places it seems that the personal third party insurance is compulsory and included in the cost of the registration of the vehicle.
I don't remember exactly when because it was so long ago but in Western Australia it was not compulsory but the SGIO (State Government Insurance Office) was going broke due to the size of the damages awards being made by the courts so the Government made it compulsory at I think put a limit on the size of any award that could be made.
Cheers
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.
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