djctwatt

Thai insurance regulations are very archaic... you have to read the Thai version, and interpretation is extremely literal.  

The regulations state that you must have been legally licensed, it does not state anything about which country/authority has given you the license, and/or if the license is still valid.  

By OIC regulation, any claim cannot be invalidated on the license exclusion, unless you have never been legally licensed to drive.  If you have received any written claim rejection, proceed (with a Thai spekaer to assist) to OIC directly, as the insurance will be in breach of the regulations regarding "prawing" (delayed payment and failure to honor the insurance contract), which will result in a heavy fine and public record against the insurer.

Please note that this regulation does not apply to the legal motor code, therefore failure to drive with a recognized license may subject you to a (small) fine by police (typically 500 THB).    

There is more to the story...

Thai news reports claim that she had already reported an incident to police. However, without progress, she took matters into her own hands and setup a sting to catch the incident on video.

This is why she was already filming, and why the story sticks out a bit.

Just as general information, motor insurance is one of industries that is actually heavily (and effectively) regulated here. All premiums and pricing must comply with set minimum and maximum rates, and policy conditions (your coverage) must follow a set standardized template. There is virtually no difference in coverage between insurers. Breach of the regulations by insurers (motor) result in very heavy penalties from OIC. There is a public listing of breaches on OIC's website, all in Thai of course.

Always check your sum insured to see if you have been over or under insured, as this is one of the main factors that determine your premium. 

There have in fact been a host of changes. For voluntary policies (type 1), the coverage (sum or total amount insured) has not changed. However, the new regulations now stipulate a standardized payment for third party death and disability. Rather then negotiating a settlement, the sum insured must now be paid (up to 2M THB). This is a significant increase from what is typically paid, and is likely why your premium has increased.

For compulsory coverage (por ro bor), OIC did not allow premiums to increase, but the coverage for death and disability has also increased from 300k to 500k.

Hope this helps!

Here's some western rationalization for you from a dual citizen; if you are driving too fast for the road conditions you are... driving too fast. I suggest to slow down. However, I understand I don't know the particulars of the event. In the usa, there is the tradition of Halloween, where children dress in costumes and roam the streets at night. The rule is to slow down in any dangerous areas. Ideally you should slow down enough in these areas so that you can stop or avoid any pedestrian collisions.

Of course, if it is really wreckless on their part, you are going a reasonable speed for the road, and there really is nothing else you can do, of course you (ideally), shouldn't be liable. I'm thinking you can't exactly slow down too much on the highway / toll road.

Me personally, I think there is no right to place blame on the pedestrians. These wreckless and drunk motorcycles however are another story. I wish they would all splatter their brains on the pavement.

Can you add your reports to the map?

Much easier to see the situation on a map,

Thanks

(Green = OK, Red = Flooded)

http://maps.google.c...178424,0.338173

I'm trying to do that. . . can't figure it out! Do you have to be invited as a collaborator?

^ Any links or documentation of his predictions, prior to events unfolding? I would like to see for myself what his prediction history has been. . . If it's not in English, I'll get it translated.

My car dealer (K motors) took almost two months. . . and that's with me calling and harassing them every week. I say, we shouldn't fine the driver; we should fine the dealers!

Did they get rid of that crazy no driving at night law or is it still in place? AFAIK, most people (myself included) want to get the white plate ASAP because of being harassed by cops at night. I had been stopped over 20 times in 2 months and ticketed once (no questions asked, he just wrote the ticket).

All my years in the us, I've never heard the term "pinking," just "pinging." Maybe it's a US vs UK thing, like petrol vs gasoline or rubber vs eraser. My bad on the rude correction.

So in US when squealing away at the lights you 'burn erasers?"

There is such a thing as context, you know. IE, an ass is donkey, but in the wrong context it could mean other things.

Of course! Is there another that's relevant??

The point being made is he insists unequivocally that is the "CORRECT" terminology and it is not....It is the terminology of a tiny minority on an insignificant island located somewhere in Europe ..

:D :D :D

No thai keyboard or fonts installed. . . sorry.

See, again, that's the UK. It just depends on where you are is all. There is no one correct term. It's not just Australia. The USA ALSO uses pingking and not pinking. Try this, go to the USA, to San Francisco, and ask for a F@G (cigarette). Tell them you really like F@Gs in your mouth (cigarettes). See what happens. In this case, you'd be pretty foolish to think you are still using the correct language.

I am amazed by the conceit of someone who says the correct term in "pinking"

What absolute bull.

You have lots to learn.

The aussies who say pinging are 100% correct.

Get over it.

After decades of working on and racing cars in the UK the term for engine knock or pre-ignition noise probs, used by all that l have been around is "pinking". Perhaps after the ozzy mega consumption of beer and trying to fix their ride it does turn into "pinging".

Sorry to carry that one on.

.co.uk... of course it will say pinking

I am Thai, and I've never heard anything like cake. But it's probably just a romanization thing of the Thai word. Do you recall how it is written in Thai?

OK nevermind. . . I just realized what he was saying. Sieng Kak! Short sound, like ack! But with a c in front if it.

And to be helpful. . . I don't know the thai word for ping. . . but for engine knock, it's krueng (engine) koh (knock). Just like koh pratu (knock on the door).

Now it's koh, with an aaaaahhhh sound, like when you pronounce the word "walk." There is no tone up or down, it stays flat. If you knock on the hood of the car, they should know what you're talking about. Hopefully you have OBD I/II so you can avoid any miscommunications, but with "krueng koh," it should somewhat get the idea across. Now if you want to say ping, then I have no idea

Australians generally (incorrectly) say "pinging" too.

I think correct is subject to where you are. I don't have any of my ASE tech books with me in Thailand, so the next best resource is the internet.

http://en.wikipedia.org/wiki/Engine_knocking

PING

http://autorepair.about.com/library/a/1/bl510.htm

PING

I realize that both are bad sources, and that an ASE tech book is AMERICAN, hence the A. It has nothing to do with correct, since we live in Thailand and just about all English use here is wrong. But yeah, in the UK (where theater is spelled theatre and room where you take a bath is called a watercloset) we can call it pinking. In the USA and Australia, it's called pinging. In Thailand, either term works. There is no one correct answer. Anyway, let's get back on topic. . .

All my years in the us, I've never heard the term "pinking," just "pinging." Maybe it's a US vs UK thing, like petrol vs gasoline or rubber vs eraser. My bad on the rude correction.

Pinging is the operative word here. . .

So, in reading other posts here.... I see that TH ACT 1900 is the name that part of the TOT/I-Mobile 3G network is using....

But now I get even more confused... The announcements earlier in this thread from TOT about their new 3G service said it's on the 2.1 Ghz band... But someone else here said it's on the UMTS 1900 band...

My phone supposedly only receives 3G on the 2100 Mhz band... which I assume is the same as 2.1 Ghz... So the other poster who talked about the TOT 3G band being 1900 was wrong???

And despite the TH ACT 1900 network name, TOT/I-Mobile's 3G service is UMTS 2100???

based off their website (in thai), my friend told me it says 2100, but I noticed the same thing about "act 1900". I'm confused too! Also, I have both True and TOT/I-mobile 3G. True's coverage of most major areas in bkk is great, from bang Na to on nut to Siam to ratchada. I haven't yet tested the TOT 3G, but I cAn get coverage out in bang Bon / Rama 2, which is amazing!

On a side note, any true users notice a MASSIVE slowdown of speed for 3G in bkk? I was clocking 150kpbs at best!

sorry to wake a dead thread, but of you guys running radar, which bands are they usually using? X, K, Ka? Ku?

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