Page 2 of 4 FirstFirst 1234 LastLast
Results 26 to 50 of 76
  1. #26
    Thailand Expat Pragmatic's Avatar
    Join Date
    Mar 2013
    Last Online
    @
    Location
    Last but who gives a shit.
    Posts
    13,316
    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?

  2. #27
    Thailand Expat
    PAG's Avatar
    Join Date
    May 2010
    Last Online
    19-01-2024 @ 11:31 PM
    Location
    Chalong, Phuket
    Posts
    5,123
    Quote Originally Posted by CSFFan View Post
    Glad it went smoothly for ya PAG!

  3. #28
    Thailand Expat

    Join Date
    Mar 2015
    Last Online
    @
    Posts
    15,541
    Quote Originally Posted by Pragmatic View Post
    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.

  4. #29
    Thailand Expat

    Join Date
    Feb 2010
    Last Online
    @
    Posts
    1,742
    Quote Originally Posted by Pragmatic View Post
    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?
    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.

  5. #30
    RIP
    Join Date
    Nov 2013
    Last Online
    @
    Posts
    16,939
    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?

  6. #31
    Thailand Expat

    Join Date
    Mar 2015
    Last Online
    @
    Posts
    15,541
    ^, ^^, ^^^^....guys, guys, don't talk about how things are in the UK, Australia, or Germany. You'll upset someone.

    Quote Originally Posted by aging one View Post
    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.

  7. #32
    Thailand Expat
    aging one's Avatar
    Join Date
    Nov 2005
    Last Online
    @
    Posts
    22,635
    Quote Originally Posted by Maanaam View Post
    ^, ^^, ^^^^....guys, guys, don't talk about how things are in the UK, Australia, or Germany. You'll upset someone.
    Methy would be the one doing the nipping..





    Quote Originally Posted by Maanaam View Post
    Read your fine print...they may have written in an out for this sort of situation. Wouldn't suprise me.
    Yeah those unscrupulous Thai insurance companies would be out to cheat you..

  8. #33
    Thailand Expat Pragmatic's Avatar
    Join Date
    Mar 2013
    Last Online
    @
    Location
    Last but who gives a shit.
    Posts
    13,316
    Quote Originally Posted by ootai View Post
    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.
    Same same Thailand, basically. Traffic accident injuries are not covered for free treatment at Thai government hospitals. Hence 3rd party insurance.

  9. #34
    Thailand Expat AntRobertson's Avatar
    Join Date
    Nov 2006
    Last Online
    @
    Posts
    41,562
    Quote Originally Posted by Pragmatic View Post
    I believe Australia has the same set up as Thailand, whereby insurance isn't compulsory?
    I thought there was a compulsory third-party insurance here?



    Edit: never mind, I see ootai has already addressed that.

  10. #35
    Thailand Expat

    Join Date
    Mar 2015
    Last Online
    @
    Posts
    15,541
    Quote Originally Posted by aging one View Post
    Yeah those unscrupulous Thai insurance companies would be out to cheat you
    ALL insurance companies around the world are unscrupulous and have fine print for "outs". Why would you sarcastically indicate that I'm Thai-bashing?

  11. #36
    . Neverna's Avatar
    Join Date
    Mar 2012
    Last Online
    @
    Posts
    21,241
    Quote Originally Posted by AntRobertson View Post
    I thought there was a compulsory third-party insurance here?

    Edit: never mind, I see ootai has already addressed that.
    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.

  12. #37
    Thailand Expat AntRobertson's Avatar
    Join Date
    Nov 2006
    Last Online
    @
    Posts
    41,562
    Quote Originally Posted by Neverna View Post
    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
    Oops you're right, I'd misread it.

    Quote Originally Posted by Neverna View Post
    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.
    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 ).

  13. #38
    Banned

    Join Date
    Jul 2012
    Last Online
    09-05-2021 @ 03:25 AM
    Posts
    33,644
    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?

  14. #39
    Thailand Expat AntRobertson's Avatar
    Join Date
    Nov 2006
    Last Online
    @
    Posts
    41,562
    No. You need to consider quitting drinking.

  15. #40
    Banned

    Join Date
    Jul 2012
    Last Online
    09-05-2021 @ 03:25 AM
    Posts
    33,644
    ^ Second day into Sober October

  16. #41
    R.I.P. Luigi's Avatar
    Join Date
    Dec 2014
    Last Online
    @
    Location
    Abuja
    Posts
    26,213
    Quote Originally Posted by Dillinger View Post
    Sober October
    I'm guessing that will be about as successful as yer South Whale Diet.

  17. #42
    Thailand Expat jabir's Avatar
    Join Date
    Jul 2016
    Last Online
    @
    Posts
    12,009
    Quote Originally Posted by Pragmatic View Post
    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.
    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.

  18. #43
    Banned

    Join Date
    Jul 2012
    Last Online
    09-05-2021 @ 03:25 AM
    Posts
    33,644
    ^^ The latest Southern Comfort binge diet appears to have shrunken my gut a little.

  19. #44
    On a walkabout Loy Toy's Avatar
    Join Date
    Jun 2008
    Last Online
    @
    Posts
    30,531
    ^ Drinking at home now Dill?

  20. #45
    Banned

    Join Date
    Jul 2012
    Last Online
    09-05-2021 @ 03:25 AM
    Posts
    33,644
    In places of ill-repute

  21. #46
    R.I.P.
    hick's Avatar
    Join Date
    Nov 2016
    Last Online
    23-01-2019 @ 04:19 PM
    Posts
    5,269
    Quote Originally Posted by Dillinger View Post
    In places of ill-repute
    A potential client offered me a night in Poseidon and I turned him down...

    Anyone know a decent headshrinker?


    Sorry...

    Liar, Lawyer, Insurance Marketer
    mirror for ya
    What's the difference?

  22. #47
    Thailand Expat

    Join Date
    Feb 2010
    Last Online
    @
    Posts
    1,742
    Quote Originally Posted by Dillinger View Post
    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?
    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

  23. #48
    Banned

    Join Date
    Jul 2012
    Last Online
    09-05-2021 @ 03:25 AM
    Posts
    33,644
    Quote Originally Posted by ootai View Post
    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".
    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

  24. #49
    Thailand Expat

    Join Date
    Mar 2015
    Last Online
    @
    Posts
    15,541
    Quote Originally Posted by ootai View Post
    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.
    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.

  25. #50
    Thailand Expat OhOh's Avatar
    Join Date
    Jul 2010
    Last Online
    Yesterday @ 08:43 PM
    Location
    Where troubles melt like lemon drops
    Posts
    25,222
    Quote Originally Posted by Dillinger View Post
    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?
    Quote Originally Posted by ootai View Post
    unless through some miracle i.e. CCTV footage of the neighbour acrosss the road
    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??

Page 2 of 4 FirstFirst 1234 LastLast

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •