richard_smith237

Daaaaam..... Would it not have been better, and safer for you - for the car to have been written off ?? How comfortable are you driving a car that took 6 months to repair ???

Fair point.. But the entrance to the Salt-factory is surely far enough away from the curve in the road for that to be a hazard (see below). Were the street lights on ? (at the U Turn) - In the Op is looks like one is on, while another is not - so its not clear how good the visibility is. The reason I wont drive at night (outside of the city) is due to such poor visibility and lighting. I read of so many stories about cars hitting unlit road works etc... and a vehicle hitting a u-turning truck (side on) at night its not an uncommon story to be read on this forum, so I wonder how often it occurs and we don't read about it. U Turns are far more dangerous than a right turn - the trucks are going to have to turn somewhere if they want to go in the other direction.

So authorities put barriers up to prevent trucks making right hand turns and causing this sort of incident in the first place... ... but instead, created a greater hazard with the trucks u-turning instead 250m down the road...... So very typical of Thai attitudes to road safety - no bigger picture thinking... What do authorities expect trucks who want to head in the 'other direction' do ??? - they're going to have to turn at some point. It would be far safer to allow the original turn from the Salt Factory and have the area very well lit. Instead they put up a sign !!! warning drivers of turning vehicles... But look where the sign is positioned, not further up the road, but at the point vehicles U-turn !!! As if simply putting up a sign makes things safer... "Look, we put up a sign, so if you drive into the side of a turning truck in the pitch black, its your own fault" !!!!

Yup... thats exactly what I do... Pay with Credit Card... (as I get good points)... and then submit. It also means I can get 'instant treatment' i.e. get myself into surgery immediately (i.e. the next day or within a couple of days) rather than waiting around for the authorisation process which may take a few days. That said - the Policy does have a clause that 'payment could be rejected for treatment that is not pre-authorised' - but I think thats 'policy writers' just to protecting the company - when an Operation is necessary for a snapped ligament or ripped meniscus etc, its necessary, there is no debate.

I currently have Cigna international from work... They have paid every claim I have made over the past couple of years, small or large. Largest was for a 500,000 baht operation after a serious sports injury earlier on in the year. They were a bit silly about not paying a follow up appointment for 2000 baht, they wanted a Doctors letter stating the 'benefit of the surgery' I'd had (as if being able to walk again in a couple months was not already enough !). (It was kind of like asking the doctor to state the benefit of a plaster cast after a broken leg !!! and not paying for a follow up appointment until he did !! - it was clearly a paper pusher ticking a box rather than them seeking medical information). But - the excellence of the cover I have, and them paying every claim, dental, and all outpatient treatments is not a realistic comparison for Thailand as the equivalent cover here is well in excess of 300,000 baht and certainly not something I'd be buying myself.

- Hi speed... - Poor lighting, - no / poor side lighting on the truck - no 'side barriers' on the truck (to prevent a vehicle lodging underneath it) But, worse of all - the existence of these lethal U-Turns in the first place... So many deadly accidents occurring on fast roads that have U-Turns directly from and into the 'fast lane' of traffic... The complete absense of lighting of these interprovincial roads is frightening - I recall driving on a highway in the pitch dark, a new car, excellent headlights, very little tint.... and I had to slow down due to how dark the road ahead was (not out-driving my visibility)... then every couple of mins or so another car screams past... if something was in the road, it would have been impossible to stop by the time their headlights caught it. I never drive or travel any interprovincial road in Thailand anymore at night because of this.

If that was the stopping distance, she was clearly breaking the speed limit? That’s Russians for you 🤷‍♀️ Was she ?? - what is the speed limit in that area ??? Do you know ??? At 30m - her stopping distance is calculated at 46 kmh / 29 mph At 50m - her stopping distance is calculated at 67 kmh / 42 mph At 60m - her stopping distance is calculated at 76 kmh / 47 mph (calculated for Changan S7). IF the speed limit was 80 kmh she wasn't speeding. Additionally - I've worked with a couple of Ekatarina's from Ukraine - So... how would that change your Anti-Russian rhetoric then ??? Here - I'm not arguing the cause of the incident - I'm arguing the stupidity of your comments.

That depends on what actually happend... ... Did she 'plow into this motorcycle'... or did the motorcyclist 'pull out in front of her giving her no chance to take avoiding action' ??? The very reason I have a dash-cam is that one day, without any warning, a motorcyclist will pull out in front of my Wife or I and and avoiding them will be impossible - that has nothing to do with compassion. Its not as if this lady though "stupid motorcyclist, I'll not bother stopping quickly"... Additionally - the 50m distance is not an actual measurement, its a guess... the stopping distance could have been 30m or 60m... statements such as this a more often than not quite inaccurate and nothing more than a pure guess of someone at the scene. In perfect conditions, A stopping distance of 50m in a Changan S7 calculates out at 56 kmh - that doesn't imply excessive or reckless speed.

Interesting point, I bet a lot of people haven’t considered that. Wonder if it means that stock brakes might be inadequately designed. Good to know, thanks. The 'weight' concept is flawed and borne out of a paranoid 'anti-EV rhetoric' in much the same manner as the myths perpetuated that EV's are more prone to catching fire. The additional weight of an EV battery generally has no more impact on a vehicle than having 5 grown adults in a car - and when have we ever seen the idea that a crash occurred because a vehicle was fully occupied ???? But, beyond all of that - Do people (laymen) really think they are more clever than the 'experts' working for the manufacturer and believe that a manufacturer incorporates brakes that have a lower design scope than the weight of the vehicle they are designed to stop ????.... Regarding the increase of insurance costs, again some are making some daft claims which seem logical to them, but are fundamentally flawed - the increasing cost of vehicle insurance in the UK has nothing to do with EV's. Here are the reasons Insurance has increased: Rising Repair Costs: Modern vehicles, equipped with advanced technologies, are more expensive to repair. The cost of vehicle repairs has increased by 33%, influenced by higher prices for energy, paint, materials, and courtesy cars. Money Expert Supply Chain Disruptions: Post-pandemic supply chain issues have led to shortages of spare parts, delaying repairs and increasing costs. In February 2023, the Association of British Insurers (ABI) reported that an estimated 40% of insurers’ work was affected by parts delays. Inflation: General inflation has escalated the costs of vehicle repairs, replacements, and associated services, contributing to higher premiums. The ABI noted that the average premium paid for private motor insurance was £627, up 12% from the previous quarter. Increased Vehicle Theft: A rise in car thefts has led to more claims, impacting overall insurance costs. High-end models are particularly targeted, leading to soaring insurance premiums. Fraudulent Claims: Increase in Insurance fraud, including staged accidents and exaggerated claims, has increased the financial burden on insurers, who pass these costs onto consumers. Regulatory Changes: The Financial Conduct Authority's ban on "price walking" in January 2022, which prevented insurers from offering lower prices to new customers while increasing premiums for loyal ones, has led to adjustments in pricing

Same here... I cannot envisage a situation whereby the motorcyclist has not turned across the path of the car... ... I can't see the car being at fault, unless excessive speed is 'also' to blame.

Please don't take this as argumentative... I'm more interested in the discussion... How are you seeing the 'front end [of the motorcycle] embedded in the front of the car' ? I see the that the motorcycle was hit from the side and is somewhat wedged under the front, we can see where the bonnet of the car appears to have 'wrapped' the deceased. It actually looks to me as though the motorcycle might have turned across the path of the car (from right to left) given the position of the bike 'wedged sideways' across the front of the car - which is odd, as this would imply that the motorcycle either: a) drove straight across a cross roads (from right to left - from the the perspective of the car driver) b) turned across the path of the oncoming car. - Both suggested scenarios imply that the motorcyclist was not paying any attention at all.

Have you made any large claims as yet ? I had a claim rejected with April (Thailand) in the past.. They'd pre-authorised, I had an operation, they then refused and I was forced to pay. Its not quite as black & white, but I thought their rejection was wrong - they went back through records and found a 'comment' noting the absense of a previous condition, within a 5 year moratorium and because that had been mentioned in medical notes, that fell within that 5 year cut off... its cost me 130,000 baht. I immediately moved my family away from this insurer. That said, others speak highly of April. ------ The issue I now have is 'pre-existing conditions'... particularly, Knees & ankles... anything happens with these and I'm sure a 'new insurance policy' will claim there is a 'pre-existing condition' - though I'm not sure how that works, is a broken leg considered a pre-existing condition if one breaks another leg later on ? IMO, not...but I'm not sure if thats the same with a meniscus or previously snapped ligament or tendons...

'up to you' as they say... However, you have been critiqued for the manner in which you have posted a lone video without any guiding information. Instead of getting hurt, defensive and handing the point like a child - it may have suited your purpose better to take onboard the responses so that any similar such future posts of yours (and by others) are received more positively. It seems you want to 'help the community' with your post - great, but do so in a way that actually helps.

Yet you shared it in the most lazy manner possible, without even so much as an explanation... What you posted, with an exaggerated headline is alike clickbait - its going to put off any potential sensible viewer.

Perhaps not...

Good for you - no sarcasm. I'm sure that many retirees would be willing/eager to pay double that price to join the Thai Universal Coverage or Social Security schemes, if they were available. Indeed.. but look how reluctant he was to give up such basic information... why is that ?

No unreasonable - what type of cover & with whom ?... IPD only ??? --------- It seems those claiming very low premiums are also very low on info.

Fair enough for genuine cases of illness, though I cam quite cynical of long covid.... Seems the only people I know who claim to have had it, are of a somewhat lazier persuasion... no offence to you, you seem quite genuine. Have you looked in to NMN ?? (If you've not heard of it, give it a google).

How extensively did they check your lungs out ???... just an x-ray or did they go as far as to check with a CT-Scan and contrast medium ?? (the reason I ask... while unexplained fatigue can be many things, I've know it to be caused by a 'mild' pulmonary embolism, where there are not 'real' symptoms - but the extremities of the lungs are blocked.... I'm not sure I buy into the whole 'Long Covid' diagnosis.

OK... so thats your 'self insurance' and you can afford it...

This I agree with... Getting medical care is now expensive. It would be great if 'long termers' here could get on the Thai system in much the same way our Thai family can in our home countries such as the UK, where upon obtaining residency and paying a NHS surcharge they are 'in the system' and cover is free from there on in.

I can put over three million on a credit card. And I told my wife if I die on the table, don't pay it. So... just last month... had knee issues.. Needed an MRI... had to pay for it as soon as I finished. Need an operation, had to pay for it as soon as I finished. Both paid for by credit card, about 300k baht in total... then claimed of insurance. So... Your 'clever' plan might work in the event of death where you can avoid payment of a credit card, but what happens if they keep you alive, or if ongoing treatment is needed... Say a knee replacement, or something worse ??? You can't off-put paying your credit card inevitably.... Thus: back to bkk6060's comment...

For 750 baht a month... your insurance pays all costs, inpatient and out patient, including all your medication ? (I note that in another thread, you posted that you get your medication from a Hospital directly because a) you can only get that type of medication directly from a hospital, and b) your insurance pays for it... For 750 baht per month - I'm sure many want to know what insurance company that is, because its an outstanding deal !!!! I can't get decent insurance for less than 100,000 baht per year !!! and thats inpatient only.

Given the 'drama queen nature' of the post, as highlighted by scubascuba below - I'm guessing the ex-partner is male... ... not that it makes any difference, but it does lend the a better understanding of the dramatisation of a breakup... Ops plans to move back to the US... so he's going to have to leave most of his stuff behind anyway, or pay more than its worth to transport it. Two computers: Wipe them and sell them if they are worth much. Moving out early: he will forfeit his deposit (which may be two months). He should at least pack-up and clean his rented accommodation. I'm not sure what else he is asking... is he asking anything or just opening up on the forum ?

I think he was dating Bob Smith... !!!