With all due respect to those hurt from accidents in Thailand if you are only going to insure for the minimum and hope for the best and expect a go fund me page to pay the rest.Don't bother coming to Thailand.
This type of behavior is becoming more noticeable in the press as many more Russians are allowed to make Thailand there new home including there special privileges,the 90 day visa.Thai government you made your bed you lie in it.
I would wait for confirmation of the alleged person than I would show no mercy,if anyone touched my young daughter they would be very sore and sorry for the remainder of there miserable life.
Come on all you Thai's out there are you really going to loose some sleep over such a trivial comment years ago,show everyone how strong you are let it go,are you maybe seeing to much into it.
If the owners name doesn't appear on the contract immigration just might have a few problems and also for your own benefit if something happens with the property you will need there contact name and number.If they won't comply just walk.