Fault car accident....bill way too high?

[Russell17au]

I was driving back to Udon Thani from Bangkok and I was hit in the back by a young female driver in a brand new Honda, the police attended as did her insurance representative who took photos of both vehicles and of our drivers licenses and he filled out the repair authority on the scene and the police gave it to me and told me to take my vehicle to any repair shop I wanted to and have my vehicle repaired. I took my vehicle to a repair shop and handed them the authority letter and my vehicle was repaired and no problem. Any driver who is not at fault in an accident has the legal right to take their vehicle to the repairer of their choice, no insurance company or other person can dictate otherwise. If you drive a vehicle anywhere in the world without at least 3rd party property insurance then you are an idiot and you deserve whatever happens to you.

[HAKAPALITA]

A Car in Europe has Carry of  Goods Business Type of cover, all  Reps cars have it, or should.!.Then you get  Rental Cover, but what relevance other nations regs have to do with this topic i cant see it. 

[HAKAPALITA]

4 minutes ago, Russell17au said:

I was driving back to Udon Thani from Bangkok and I was hit in the back by a young female driver in a brand new Honda, the police attended as did her insurance representative who took photos of both vehicles and of our drivers licenses and he filled out the repair authority on the scene and the police gave it to me and told me to take my vehicle to any repair shop I wanted to and have my vehicle repaired. I took my vehicle to a repair shop and handed them the authority letter and my vehicle was repaired and no problem. Any driver who is not at fault in an accident has the legal right to take their vehicle to the repairer of their choice, no insurance company or other person can dictate otherwise. If you drive a vehicle anywhere in the world without at least 3rd party property insurance then you are an idiot and you deserve whatever happens to you.

Well Said, thats exactly what happens here with No1. About time someone cut the Waffle

[Airalee]

2 minutes ago, HAKAPALITA said:

A Car in Europe has Carry of  Goods Business Type of cover, all  Reps cars have it, or should.!.Then you get  Rental Cover, but what relevance other nations regs have to do with this topic i cant see it. 

The reason myself and another former adjuster are discussing the coverage and refs from our country is that in general, most people know little to nothing about their policies in their respective countries.  We can’t tell them what the policies are like here but can give them some ideas with regards to what questions they may want to ask when inquiring into automobile insurance here in Thailand rather than walking in completely blind.

[Russell17au]

4 hours ago, Thaidream said:

Since you have accepted fault-  here are the 2 options you  have :

 

1.   If the other party used her first class insurance to repair her own vehicle- they would not need to get your approval for anything.  They would have sent their customer to her shop of  choice and provided a rental car if she had that as part of her policy.  That Insurance company would pay the repair shop; the rental charges and the total bill would be sent to you.  You do have a right to see an itemized bill but it would be useless to attempt to fight it- since you have accepted liability.

 

2.  The other person may not have used her insurance and instead went to her Honda dealer- who had it repaired or used their own repair staff; provided a rental car and then billed their customer. Now the party is billing you.   Whoever did the repair- has a complete estimate of repairs, parts used, year make and model of the vehicle and mileage .  All of this should have been present to you prior to start any repairs so you knew what was being done and  the amounts to be paid.

 

JUst looking at the pics- I would say the  rear deck lid needed to be replaced and possible the rear bumper.  Due to the impact there may be damage underneath that can't be seen until the pieces are off.  In the United States this type of job would cost around $7,000  (220,000 Baht) using an average labor rate per hour of repair of  $50 per hour ( 1,500 Baht).   The rental car cost is added on or a person has a right to get Loss of Use which is the equivalent of a rental car paid in cash.  In the US this is about $30 per day (900 Baht)

 

Since the other party used a Honda affiliated repair which always costs more than a private repair shop as Honda charges extra on top of the repair shop for facilitating the repair and parts- the charges are probably correct. A rental car in Thailand is about 500-1000 Baht per day depending where one rents and size of vehicle. Remember also, a person in an auto accident is to be accorded a rental car but the rental cannot be better than what the person is driving. (For example:  The  not at fault party cannot drive a Honda and rent a BMW and expect payment except at the standard rate for a Honda)

 

As far as parts go-  if your insurance company was handling this they wouldn't necessarily authorized Honda parts. Insurance operates under the guidelines of  LKQ parts - Like -Kind and Quality which means they could use replacement parts.  However, in most countries where there is an insurance commission- if a customer requests factory original parts they can get them- However if a person's car is a 2010 Honda Civic- with 70,000 KM on it- they are not going to get a 2018 part-  they will get a 2010 part from a scraped  Honda with similar mileage  or a new 2010 Honda part.

 

I would go back to the person who sent the bill and ask them if the other party used insurance or not. If insurance- I would contact that company and ask for an itemized bill.

If insurance was not used- I would go back to the other party and ask the same- an itemized bill.  You do have a right to know what you are paying for.

 

It's best to have first class insurance asz your insurance then handles all of these type of issues. Insurance companies often dispute bills with each other; parts used; labor rates and rental charges.  I know this because I worked as an Insurance Claims Adjuster for 15 years in America. 

The same is done in Australia, but the big problem here in Thailand is that there are very few vehicle wrecking yards where these parts are available from so that would mean that new parts would be required and that would even mean 2018 parts for a 2010 model vehicle as long as the parts are the same

[Russell17au]

35 minutes ago, cyril sneer said:

I literally couldn't understand the point you were trying to make, and it wasn't due to English spelling or grammar errors. Now I can understand you, thanks.

 

My original point was that you wasted so much time writing a 500-word essay lecturing the op about not having car insurance, when he did in fact, have insurance all along - see post 96. I found this funny, soz.

 

What's this mistake i've made anyway, I'm intrigued... 

The OP claimed he was self insured in the opening thread and it was not until post 96 that the OP has said that he had full insurance. Everyone has worked on the OP's own statement that he was self insured up until post 96 so the question now is when was the full insurance taken out and why did the OP not say that in the first place.

I would say that one mistake is that you did not read the OP's original post where he stated that he was self insured

[mogandave]

OP’s insurance became effective in January, and the incident occurred many months ago.

[cat handler]

If it were a Mercedes or a BMW it’s a cheap repair, without any more knowledge than the very little you gave it’s hard to say.

[cat handler]

On 29/04/2018 at 5:28 PM, canthai55 said:

Here is an example using skydiving - any activity is the same ...

Suppose the chances you die from a skydive are 0.1.

If you repeat this 10 times, the chances you die from any one of the dives is

1−(0.9)10=0.6513...

So even though the probability of dying on a specific dive does not change, by repeatedly skydiving you are increasing your overall chances of dying.

 

You would be a bad gambler if you think odds change, they don’t. Take flipping a coin heads or tails, EVERY time you flip it there is a 50/50 chance it will be either heads or tails, the previous flip has no impact on the next flip it is always 50/50. Never bet against a run.

[mogandave]

 
You would be a bad gambler if you think odds change, they don’t. Take flipping a coin heads or tails, EVERY time you flip it there is a 50/50 chance it will be either heads or tails, the previous flip has no impact on the next flip it is always 50/50. Never bet against a run.

So what odds of flipping heads ten times in a row?

[stevenl]

47 minutes ago, mogandave said:

 

So what odds of flipping heads ten times in a row?

 

If you ask that question after 9 flips already, 50-50. If at the start, 1/2 to the 10th.

[mogandave]

If you ask that question after 9 flips already, 50-50. If at the start, 1/2 to the 10th.

So if the odds of getting pinched for drunk driving is 1 in 1,000 on any given night, and you drive drunk every night for 10 years, what are your odds of getting pinched?

While “coming out” odds are the same, they are absolutely cumulative.

[stevenl]

8 minutes ago, mogandave said:

 

So if the odds of getting pinched for drunk driving is 1 in 1,000 on any given night, and you drive drunk every night for 10 years, what are your odds of getting pinched?

While “coming out” odds are the same, they are absolutely cumulative.

Yes, you would have to compare your example to the odds of not flipping 1x heads in all attempts.

[cheeryble]

On April 30, 2018 at 5:30 PM, Russell17au said:

The same is done in Australia, but the big problem here in Thailand is that there are very few vehicle wrecking yards where these parts are available from so that would mean that new parts would be required and that would even mean 2018 parts for a 2010 model vehicle as long as the parts are the same

 

There are some yards here in CM....I'm friendly with Kh Dang at the famous Dang Klong Pratu.......he didn;t have the outer bumper and headlight cluster my panelbeater told me I needed but had someone call around other places......couldn't get in CM but located in BKK and sent same day. How the panelbeater got the steel under bumper straight.....very fiddly job........ I do not know but he did and is my Person of the Year.

Edited May 2, 2018 by cheeryble

[HAKAPALITA]

Come on there , breakers yards. He aint fixin vintage truck.


Sent from my iPhone using Thaivisa Connect

[cheeryble]

56 minutes ago, HAKAPALITA said:

He aint fixin vintage truck.

 

Though it's getting that way

[metisdead]

Inflammatory bickering posts and the replies have been removed. 

[cat handler]

8 hours ago, mogandave said:

 

So if the odds of getting pinched for drunk driving is 1 in 1,000 on any given night, and you drive drunk every night for 10 years, what are your odds of getting pinched?

While “coming out” odds are the same, they are absolutely cumulative.

 

 

No they are not, each night you drink drive your chances are exactly the same as the night before, 1/1000. Just because you may get caught one night doesn’t mean the Odds changed, like people win Lotto every weekend when the Odds are 8,000,000/1 of picking 6 correct numbers. Do you know why Casinos make a profit, because people think Odds change when they don’t and will bet against a run.

 

[mogandave]

The odds are cumulative, you do not seem to understand what cumulative means.

I never said the odds for a single event change, you are just making up because you (apparently) do not understand what I am talking about.

If 1,000,000 lottery tickets are sold, the odds of a winning ticket being sold is greater than if only one ticket is sold.

[HAKAPALITA]

1 hour ago, mogandave said:

The odds are cumulative, you do not seem to understand what cumulative means.

I never said the odds for a single event change, you are just making up because you (apparently) do not understand what I am talking about.

If 1,000,000 lottery tickets are sold, the odds of a winning ticket being sold is greater than if only one ticket is sold.

So dont buy a Ford.

[mogandave]

So dont buy a Ford.

Been a while, but I have had a number of Fords, and they have all been nice enough.

[HAKAPALITA]

1 hour ago, mogandave said:

 

Been a while, but I have had a number of Fords, and they have all been nice enough.
 

 

We all have, but not here.

[cheeryble]

12 minutes ago, HAKAPALITA said:

We all have, but not here.

Only drive one thank God......a Zephyr Zodiac mk 4.

The worst handling I've ever known.

Thank God for the pillarless XJ12 to make up for it. That a cat simply purred.

 

Edited May 2, 2018 by cheeryble

[transam]

10 hours ago, cheeryble said:

Only drive one thank God......a Zephyr Zodiac mk 4.

The worst handling I've ever known.

Thank God for the pillarless XJ12 to make up for it. That a cat simply purred.

 

But the MK4 was Fords limo of the late sixties early seventies. Most certainly wasn't built to be a "handling" car. Think it was the first UK Ford to have independent suspension, so was cushy...

 

 

 

 

The next gen from 1972, the Granada was a different kettle of fish...

 

[thailand49]

On 5/2/2018 at 3:35 AM, metisdead said:

Inflammatory bickering posts and the replies have been removed. 

Thanks done on purpose so it would all be removed.

[thedemon]

22 hours ago, transam said:

But the MK4 was Fords limo of the late sixties early seventies. Most certainly wasn't built to be a "handling" car. Think it was the first UK Ford to have independent suspension, so was cushy...

 

 

 

 

The next gen from 1972, the Granada was a different kettle of fish...

 

 

When I was a teenager a friend had a MK4 refitted with a 351V8/manual transmission. It went pretty fast in a straight line. Stopping required some planning.

[transam]

4 minutes ago, thedemon said:

 

When I was a teenager a friend had a MK4 refitted with a 351V8/manual transmission. It went pretty fast in a straight line. Stopping required some planning.

My friend has one with a 396ci big block Chevy lump, but has other stuff fitted to stop it....