I don't understand what your on about the west doesn't compare much to Thailand as you must know, if you own a Porsche or a Roller in Thailand you would cover it fully comprehensive because most people know that there's many a Thais that do not have insurance or enough cover the cover the cost of repairs as in this thread to the vehicle on their insurance to pay if it's their fault.
Example on a small scale what happened to me was kids hit my truck with parent owed old wave bike and I paid 4000 bht to get my truck fixed.
Their parents offered to pay it back monthly at 100 a month, I said forget it. ????