cornishcarlos Posted April 29, 2018 Share Posted April 29, 2018 Just do a Thai move and deny all knowledge of the incident... 1 Link to comment Share on other sites More sharing options...
tolsti Posted April 29, 2018 Share Posted April 29, 2018 Sounds like the OP is a Barclays Banker. Buy insurance. Let them sort it out. Link to comment Share on other sites More sharing options...
Popular Post jackdd Posted April 29, 2018 Popular Post Share Posted April 29, 2018 Didn't the "letter with 127,800 baht written on it" include the invoice by the shop who did the repairs? If not you should of course request it, if it includes charges for new tires and an oil change something is obviously wrong with it If everything on the invoice is somehow related to the rear of the car you can call the Honda shop who did the repairs to confirm that this is really their bill and take this bill to another Honda shop to confirm that the costs for the different invoice items are correct, if it still all looks valid you obviously have to pay. 3 Link to comment Share on other sites More sharing options...
Popular Post thedemon Posted April 29, 2018 Popular Post Share Posted April 29, 2018 6 hours ago, cheeryble said: Happily in 50 years daily driving I've never been involved in an injury accident so can''t grumble. I just wonder.....suppose like many I was fully insured and the bill was sent to my insurance company. Would they be OK with it or would they consider main dealers over priced and over willing to do more work than necessary when there are alternatives who will give exactly the same quality of work. I know for a fact they send a lot of work to a Vietnamese repair shop here. If someone else hit me in a 25 yo Vitara would they or their insurance company be OK for me to use a main dealer and pay more than the car is worth? Just asking. In Thailand all motor vehicle insurers have a multilateral "knock for knock" agreement. That means that when 2 insured vehicles are involved in an accident each insurer covers the losses sustained by their policy holder regardless of fault. So the insurer of the non-fault vehicle pays for the repair according to the terms of their own policy held i.e. First class, 2nd class etc. Therefore the scenario you mention where the bill for the other parties damage is sent to your insurance company doesn't happen. If the non-fault vehicle's owner is not satisfied with the repair covered under their own policy then all they can do is sue the fault vehicle's driver/owner but that will not directly concern either insurer. BTW, in my opinion self insuring in Thailand is a bad idea because it isn't only a numbers vs odds calculation. The fact that you have experienced people (your insurer) on your side firewalls you to a certain extent from frivolous and or excessive claims because the other party knows that trying it on with an insurance company just isn't gonna fly. 5 Link to comment Share on other sites More sharing options...
kartman Posted April 29, 2018 Share Posted April 29, 2018 As with the actual crash let us see a photo of the letter or is it a detailed bill with parts and labour costs ? 1 Link to comment Share on other sites More sharing options...
Popular Post richard_smith237 Posted April 29, 2018 Popular Post Share Posted April 29, 2018 Self insure ? What if you crashed into a more expensive sports car (i.e. Porsche etc).... Ultimatey the Op thinks he is being treated unfairly, I think he is wrong. Crash into my car, I'll will expect it repaired at the main dealer, I will expect a rental while it is out of use. I'm surprised that this amount of damage costs so little to repair. Perhaps the Op expects a shifty- cheap repair yo be acceptable to the owner of a new car. The Op has fallen foul of taking a chance by driving without insurance. 6 Link to comment Share on other sites More sharing options...
FritsSikkink Posted April 29, 2018 Share Posted April 29, 2018 7 hours ago, cheeryble said: Are you saying the missus should have chased them or rather their insurance co.? I would have thought they'd make her aware of any actions to be taken or estimates. Many people simply wouldn't be able to pay, or I may have been leaving the country, in which case the plaintiffs may have a taken the car to a regular priced reputable shop. ps No objection to Honda parts being used even if they didn't stand up very well in the bump. No, your missus didn't cause the accident, you did. If you run into a parked car you could have killed somebody too. Take responsibility and pay up, you are the only one to blame and others shouldn't be out of pocket or inconvenienced in any way. Of course they want a replacement car, should they walk because you didn't take care? 2 Link to comment Share on other sites More sharing options...
Jdietz Posted April 29, 2018 Share Posted April 29, 2018 Damage to back and front and unknown damage in between.. 100K doesn't sound unreasonable to me, and add to that a bit for a rental car. I don't think you're scammed much. 2 Link to comment Share on other sites More sharing options...
maprao Posted April 29, 2018 Share Posted April 29, 2018 Mandatory sticker covers injury death. ..damage I'm afraid bite the bullet Sent from my SM-N9005 using Thailand Forum - Thaivisa mobile app 1 Link to comment Share on other sites More sharing options...
Popular Post catman20 Posted April 30, 2018 Popular Post Share Posted April 30, 2018 16 hours ago, taninthai said: If you self insure ,,,bit the bullet and pay the bill....I would be absolutely fuming if you done that much damage to my car,I would also want it repaired at the main dealer. and no it doesn’t really happen to everyone in there lifetime...driving into parked cars....tut tut. maybe you should opt for insurance self insurance .........................sounds like another cheap charlie, looking at the car he drives. 2 1 Link to comment Share on other sites More sharing options...
jenny2017 Posted April 30, 2018 Share Posted April 30, 2018 2 minutes ago, catman20 said: self insurance .........................sounds like another cheap charlie, looking at the car he drives. Should be at a classic car museum by now. 2 Link to comment Share on other sites More sharing options...
transam Posted April 30, 2018 Share Posted April 30, 2018 Lesson learned I think.... 1 1 Link to comment Share on other sites More sharing options...
jenny2017 Posted April 30, 2018 Share Posted April 30, 2018 Just now, transam said: Lesson learned I think.... OP, be happy that you didn't hit Trans's truck. 1 Link to comment Share on other sites More sharing options...
Popular Post 8OA8 Posted April 30, 2018 Popular Post Share Posted April 30, 2018 16 hours ago, Airalee said: I was an insurance adjuster for 7 years. I was the guy who wrote the estimates for repair. You got off lightly even with the low cost of labor. There is definitely hidden damage there. The claimant can choose what shop they want to go to. You have no say in it. You do owe for a rental. It can take time for a shop to order parts. Her car was not driveable while waiting for parts. Chalk it up to experience and get insured. Actually she didn't have 1st class insurance, otherwise you wouldn't be in communication directly with her and as she is self insuring she knows which repairshop she would be requesting you to attend if the tables were turned. She's also aware that if you now say take a hike and that she will need to go to court to get an order to make you pay for any of her out of pocket expenses, including the repair of her car. She also knows the court will take into consideration her and your level of insurance coverage and will then tell her to do onto others what she would like done to her. Basically she will settle this privately for Baht 30,000 1 2 Link to comment Share on other sites More sharing options...
8OA8 Posted April 30, 2018 Share Posted April 30, 2018 10 hours ago, richard_smith237 said: Self insure ? What if you crashed into a more expensive sports car (i.e. Porsche etc).... Ultimatey the Op thinks he is being treated unfairly, I think he is wrong. Crash into my car, I'll will expect it repaired at the main dealer, I will expect a rental while it is out of use. I'm surprised that this amount of damage costs so little to repair. Perhaps the Op expects a shifty- cheap repair yo be acceptable to the owner of a new car. The Op has fallen foul of taking a chance by driving without insurance. Surely your own insurance will sort out the repair of your vehicle regardless of the insurance status of the person that hit you. 1 Link to comment Share on other sites More sharing options...
lopburi3 Posted April 30, 2018 Share Posted April 30, 2018 Just a reminder that even newspapers do not normally publish readable plate numbers on accident vehicles - and you have made comments about the vehicle owner on the internet that might be subject to legal actions under local laws? . 1 Link to comment Share on other sites More sharing options...
transam Posted April 30, 2018 Share Posted April 30, 2018 44 minutes ago, jenny2017 said: OP, be happy that you didn't hit Trans's truck. Yes, the repair would look just like this...... Link to comment Share on other sites More sharing options...
PGSan Posted April 30, 2018 Share Posted April 30, 2018 17 hours ago, canthai55 said: Do you know how odds work ? Every time you drive, and have no accident, the odds go up that you will. A Statistician, Insurer and Gambler writes: These odds ‘that you will’ do not go up, they go down! That is why insurance companies reduce premiums for claim-free years, and a horse that wins many times becomes the favourite, etc. 1 Link to comment Share on other sites More sharing options...
Apiwan2 Posted April 30, 2018 Share Posted April 30, 2018 What is self insure ?New to me Sent from my SM-G935F using Thailand Forum - Thaivisa mobile app Link to comment Share on other sites More sharing options...
transam Posted April 30, 2018 Share Posted April 30, 2018 OP is lucky there was no "whip lash" claim involved.... Link to comment Share on other sites More sharing options...
transam Posted April 30, 2018 Share Posted April 30, 2018 1 minute ago, Apiwan2 said: What is self insure ? New to me Sent from my SM-G935F using Thailand Forum - Thaivisa mobile app It is .... "don't want to pay for 1st class insurance cos l feel lucky"...... Link to comment Share on other sites More sharing options...
mogandave Posted April 30, 2018 Share Posted April 30, 2018 Actually she didn't have 1st class insurance, otherwise you wouldn't be in communication directly with her and as she is self insuring she knows which repairshop she would be requesting you to attend if the tables were turned. She's also aware that if you now say take a hike and that she will need to go to court to get an order to make you pay for any of her out of pocket expenses, including the repair of her car. She also knows the court will take into consideration her and your level of insurance coverage and will then tell her to do onto others what she would like done to her. Basically she will settle this privately for Baht 30,000 It is the victim’s insurance company invoicing the op, not the op’s victim. 1 Link to comment Share on other sites More sharing options...
BEVUP Posted April 30, 2018 Share Posted April 30, 2018 (edited) 11 hours ago, thedemon said: So the insurer of the non-fault vehicle pays for the repair according to the terms of their own policy held i.e. First class, 2nd class etc. Therefore the scenario you mention where the bill for the other parties damage is sent to your insurance company doesn't happen. First phrase : So the non fault person is expected to fix their own vehicle - One would presume they would lose their no claim bonus & maybe have a policy payment increase on next yrs renewal - Does it work this way in Thailand ? * If they had 1st class Ins Second phrase : Well I don't think they will be sending it to his Ins Company ( in this case their isn't one, as they would of been there anyway ). He admitted fault, only to other owner, & was willing to pay ( most Thais wouldn't even worry as they think Mai pen rai - Insurance ) or no have money * Hence she is sending him the bill to avoid phrase 1, otherwise your stuck with just claiming ( so in other words she made a claim & sent it to him ) Big risk if he leaves the country & nothing to do with wife Edited April 30, 2018 by BEVUP Link to comment Share on other sites More sharing options...
Popular Post 1FinickyOne Posted April 30, 2018 Popular Post Share Posted April 30, 2018 That looks similar to the damage I had when hit from behind and it wasn't cheap as the side panels crinkled too... but, when you chose to self insure, that was the risk that you were taking... the convenience of losing the use of your car, and having the job of getting it repaired has value too... I would want a rental and my choice of repair shops as well... 3 Link to comment Share on other sites More sharing options...
Popular Post dotpoom Posted April 30, 2018 Popular Post Share Posted April 30, 2018 Just wondering why anybody would "self insure"....to save 15 or 16,000 Bt. Supposing, God forbid, one had an accident that caused a death...too terrible to think about. 3 Link to comment Share on other sites More sharing options...
transam Posted April 30, 2018 Share Posted April 30, 2018 6 minutes ago, dotpoom said: Just wondering why anybody would "self insure"....to save 15 or 16,000 Bt. Supposing, God forbid, one had an accident that caused a death...too terrible to think about. There would be a line of folk knocking at the door showing their palm.... Link to comment Share on other sites More sharing options...
willr Posted April 30, 2018 Share Posted April 30, 2018 Yep boot, rear bumber lower skirt,and appears boot floor damage, Plus pearl paint,had similar damage to mazda 2,over 100 k does not seem excessive, lucky you got off cheap. 2 Link to comment Share on other sites More sharing options...
HAKAPALITA Posted April 30, 2018 Share Posted April 30, 2018 Im lost.So that Vintage Truck has Basic Insurance, no prob,owner pays for own damage to the Clonker, Honda Owner gets Repaired by Insurance.Not much chance of a free Courtesy Car here generally. Recon the OP lives in a dream world.Same as the folks who bang on about BACK HOME we do it this way.!! 2 Link to comment Share on other sites More sharing options...
Popular Post stevenl Posted April 30, 2018 Popular Post Share Posted April 30, 2018 8 minutes ago, HAKAPALITA said: Im lost.So that Vintage Truck has Basic Insurance, no prob,owner pays for own damage to the Clonker, Honda Owner gets Repaired by Insurance.Not much chance of a free Courtesy Car here generally. Recon the OP lives in a dream world.Same as the folks who bang on about BACK HOME we do it this way.!! You're confusing law with insurance. Victim is entitled to a replacement car, which quite often insurance will not cover. This means the liable party has to pay for that. Damage to the car is apparently 127k. Looks like insurance company of the victim paid that, and that insurance company is now coming to the liable party to collect. All above board and the way it should be. 3 Link to comment Share on other sites More sharing options...
Popular Post scorecard Posted April 30, 2018 Popular Post Share Posted April 30, 2018 18 hours ago, canthai55 said: Self insure !!! 555 Got $50,000,000 bucks in the bank ? What will you do if you injure, or kill someone ? Foolish does not begin to describe your actions. I would be mad also, and would want it repaired with genuine Honda parts. And a rental car. Why should I be out of pocket - and carless - because of your lack of responsibility. Happens to everyone ? Not hardly. An alternative to full insurance is to take a policy which only covers damage to other vehicles / property. We have that on our second car, an older small local runabout - annual premium is about 3,500Baht. Plus of course everybody must have third party compulsory insurance. 3 1 Link to comment Share on other sites More sharing options...
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