3BB driver backed into my pristine PCX 2 months ago and 3BB insurance still not wanting to pay out saying that there was previous damage to the bike

[n210mp]

There was no damage at all previous to the 3BB driver knocking it over and to make matters worse then continuing to push it along the road  becasue he didn't realise he had hit it! 

 

The bike was parked in a quiet cul de sac soi in a gated community and the driver drove past it when he went down the Soi so really there is no excuses for him not seeing it.

 

I understand accidents happening but cant get my head round 3BB  insurance companies attitude!

 

Would be grateful for any sensible advice on what to do next? 

 

Edit there were 3  witnesses to the event, took plenty of photos  and the young 3BB driver was very apologetic about the accident

 

 

[champers]

Why would 3BB's insurers think there was previous damage to the bike?

[n210mp]

12 hours ago, champers said:

Why would 3BB's insurers think there was previous damage to the bike?

I think that the chap who initially came out to the scene of the accident must have said something in his report to that effect but I dont know and can only say emphatically that there was no damage to the machine  I include a photo of the undamaged side of the machine to show the condition that I keep the machine in

[NanLaew]

Post a picture of the damaged side so we can pass judgement on the damage that 3BB's insurers reckon was pre-existing.

 

Bloody highwaymen!

[n210mp]

Not sure if its your judgement I am after but will post the photos you ask for  NanLaew H

 

The photos of the exhaust damage are where  the 3BB driver Impacted the bike on the side nearest to his truck !

5 hours ago, NanLaew said:

Post a picture of the damaged side so we can pass judgement on the damage that 3BB's insurers reckon was pre-existing.

 

Bloody highwaymen!

 

[NanLaew]

I wonder where they got the idea of pre-existing damage? That looks like pretty much knocked-over-and-dragged damage where any pre-existing would be a general scuffed up all over the place.

 

As you indicate, one side is pristine and the other side is damaged. I assume "the chap who initially came out to the scene of the accident" was 3BB's insurance agent? It looks at most like a ~5000 baht, half-day fix as these PX's are a mess of easily replaceable panels so maybe like most uninsured motorbike drivers in LOS, they expect you to suck it up. Maybe the mistake was picking up the bike after the event? You know how these muppets insist on leaving things as-is after a fender bender until the agent fronts up.

[n210mp]

1 hour ago, NanLaew said:

I wonder where they got the idea of pre-existing damage? That looks like pretty much knocked-over-and-dragged damage where any pre-existing would be a general scuffed up all over the place.

 

As you indicate, one side is pristine and the other side is damaged. I assume "the chap who initially came out to the scene of the accident" was 3BB's insurance agent? It looks at most like a ~5000 baht, half-day fix as these PX's are a mess of easily replaceable panels so maybe like most uninsured motorbike drivers in LOS, they expect you to suck it up. Maybe the mistake was picking up the bike after the event? You know how these muppets insist on leaving things as-is after a fender bender until the agent fronts up.

Thank you for your comment NanLaew

 

On the basis that there was  some previous damage that the  (3BB Insurance) assessor saw , the damage  from the accident is  so obvious and the Thai driver must have said to the Assessor that He backed into and pushed the PCX  over onto its side so why dont they just do the right thing and pay up?.

 

In the event that they deny liability I have enough photographs and genuine witnesses to the event .

 

Its now over 2 months since the accident and short of walking outside 3BBs head office  with a Placard I am stumped as to what course of action to take next

 

Is it against the law not  to have 3rd party insurance?

 

I ask this  question in view of the fact that 3BBs insurers are basically ignoring me and maybe  are hoping that I will just walk away.

 

Your opinions and advice would be appreciated 

[johng]

1 minute ago, n210mp said:

I ask this  question in view of the fact that 3BBs insurers are basically ignoring me and maybe  are hoping that I will just walk away.

What does your insurance company say ?

[n210mp]

39 minutes ago, johng said:

What does your insurance company say ?

I only have the mandatory government  insurance John because it is not possible to get the  "Full cover" because of the PCX age (2012 As I was informed by my Insurance company that covers my Vigo truck when I tried to buy the cover  although the PCX is/was in pristine condition with just under 8000 K on the clock )

[NanLaew]

1 hour ago, n210mp said:

Its now over 2 months since the accident and short of walking outside 3BBs head office  with a Placard I am stumped as to what course of action to take next

The damage is maybe 5000 baht and yes, they do expect you to just roll over and go away. There's probably a very, very good reason you can't get decent motorbike insurance in LOS (something to do with bike riders making up around 80% of all road traffic accident fatalities).

 

Short of consulting with one of the few decent lawyers in Pattaya, you may consider the name and shame game on social media but be very careful how you word it since the computer crimes act is an insidious thing that can be twisted to fit just about anything. But you need to get a quote on what the repairs will cost for starters.

[LongTimeLurker]

There is an insurance ombudsman in Thailand.

 

Contact your broker and get the details of how to make a complaint.

[observer90210]

Welcome to Thailand 4.0 !  (sic)

[BestB]

A silly question but you keep saying 3bb insurance, without naming the company . 

 

So are you being told all

the information by 3bb?

 

also all these guys are not employed by 3bb but contractors.

 

it is possibly , claim was not lodged or owner/driver/contractor does not want to pay access and hence claim not paid out

[n210mp]

12 hours ago, BestB said:

A silly question but you keep saying 3bb insurance, without naming the company . 

 

So are you being told all

the information by 3bb?

 

also all these guys are not employed by 3bb but contractors.

 

it is possibly , claim was not lodged or owner/driver/contractor does not want to pay access and hence claim not paid out

Thanks for all the replies .

 

BestB Im not sure if I can answer your question other than by telling you the train of events at the time.

 

At the moment of impact the 3BB driver and his three companions got out of the truck and helped me and my friends pick the bike up.

After which he got on the phone and said that the Insurance man would come in 20 minutes, this all took place and the insurance man came , wrote up a report and then gave us an address of a repair company in Naklua to go and get an estimate for repair. At this stage I am somewhat amazed at the speed that everything is taking place.

 

After maybe 3 weeks of hearing nothing, my wife telephones the workshop people and gets the telephone number of the insurance company, who she then telephones and finds out that they are still  processing the claim but feel that I should pay something towards the cost as there was previous damage to the PCX !

I  denied any previous damage, or she did  and its  now more than 8 weeks ago.

 

We  ring the insurance weekly to be  told that they are still processing the claim, in essense  nothing is happening and this is why I came on TV to find out what could or should be my next move .

 

Maybe the idea of contacting the Insurance Ombudsman froi "LongTimeLurker" is a way of making them deal with the claim, has anyone any experience of this avenue ?

 

Once again thanks to all who have posted a reply 

[n210mp]

The insurance company involved is;

 

"MuangThaiinsurance "

[sanmyn]

Not surprising. Thai Insurance companies never like to pay claims.

They love to collect premiums but always try to sneak out of  

paying any claims.

[willi2006]

On 8/6/2018 at 6:14 AM, n210mp said:

... the insurance man came , wrote up a report and then gave us an address of a repair company in Naklua ...

Did you get a copy of the report? The report contains all details necessary for a claim. Once I had a quarrel with an agent for about one hour with several calls to the police station up to high rank until I got one.

[Briggsy]

You need to push this with the police or other enforcing body. Unlike Western nations, the insurance payout does not happen automatically. Here you have to hassle them for your money.

[upu2]

I doubt if the damage was there before they backed into it, it certainly doesnt look like it was. Clarification if anyone can give me a proper answer, when you have an accident in a car you call the insurance company and a representative turns up makes an examination and they take care of the claim. Does a similar thing happen when it is a motor bike that is damaged? I would assume it is but if anyone can give a definite answer I would appreciate the information

[NoshowJones]

On 8/3/2018 at 6:51 PM, champers said:

Why would 3BB's insurers think there was previous damage to the bike?

Because insurance companies always look for excuses not to pay out. They only need 

to think they may get away with not paying out, then that's them started.

[NoshowJones]

23 hours ago, n210mp said:

The insurance company involved is;

 

"MuangThaiinsurance "

I hope now that anyone looking for motorbike insurance now avoids them.

[n210mp]

1 hour ago, willi2006 said:

Did you get a copy of the report? The report contains all details necessary for a claim. Once I had a quarrel with an agent for about one hour with several calls to the police station up to high rank until I got one.

No we didn't get a report, thought that in view of the fact we were being directed to their reapair facility all was or would be  OK,....Silly me!

[n210mp]

58 minutes ago, Briggsy said:

You need to push this with the police or other enforcing body. Unlike Western nations, the insurance payout does not happen automatically. Here you have to hassle them for your money.

I will go to the Police station tomorrow at least I will have filed a complaint against 3bbs driver

[NoshowJones]

56 minutes ago, Briggsy said:

You need to push this with the police or other enforcing body. Unlike Western nations, the insurance payout does not happen automatically. Here you have to hassle them for your money.

"Unlike Western nations".   What!!!! Back in the UK hardly a week goes by without something in the papers

 about this or that insurance company not paying someones claim.

 

Away from politicians, both Thai and UK banks and insurance companies are amongst the biggest crooks ever.

[Sprigger]

Thailand and insurance don’t make me laugh, Rouges 

[n210mp]

Just to keep you aware of what's going on or not going on, to be more  accurate  and despite phoning the MuangThai insurance  PLC company  many more time, ad nauseum without any response I finally lost it and decided to post an open letter to them on their FB Page, this is the letter;

 

 

 "Of Interest to potential customers of the MuangThai insurance PLC Thailand

 

Let me explain;

 

It is now over 2 months since  a 3BB driver in a 3BB  company vehicle reversed and crashed into my immaculate Honda PCX motorcycle which has done under 7000 kilometers.

The 3BB driver at the scene of the accident admitted liability for the accident and arranged for his insurance companies inspector to come to look at my PCX damage

 

The MuangThaiInsurance  PLC  inspector gave me a document to take the PCX to a repair facility, since that time and  despite phoning the company on many many occasions they are ignoring my claim and must be thinking that I will just go away!

 

This is the first of an open letter to MuangThai insurance PLC and to their many customers and potential customers

 

My second and subsequent open letter will also be on “Twitter” and Thai-Visa forums  

 

Question

Do you intend to settle my claim (Claim number 06741241) of the 8^th of June 2018 in full?

 

Please look at the attached photographs of the side of my machine that was not damaged by the 3BB driver and compare it to the photographs of the damaged  side of the machine that was caused by the 3BB driver who not only knocked the PCX over but also pushed it along the rough concrete surface of the road

 

[snowgard]

This will not help you. Go to thew police and report it. And go to the city hall and talk with the consumer protection board.

[n210mp]

3 hours ago, snowgard said:

This will not help you. Go to thew police and report it. And go to the city hall and talk with the consumer protection board.

Thanks  for your comment snowguard

 

In the event the police didn't want to know (Surprise surprise)

The insurance Ombudsman didn't want to know and to be honest we didn't approach city hall

 

Maybe an update is in order

 

After persueing  the MuangThai insurance  company through Facebook, Twitter, TV and even on their own web page, we did no good whatsoever with them!

 

Maybe it didn't help that our inputs were all in English!

 

They (The Muang Thai insurance company ) are impervious to any dissent or negotiation and are out to use delaying and  non communication skills  to get the claimant to tire of chasing them, to go away and forget their claim. (It didn't work with me though becasue in the end it became a challenge to my bored mind and was the little bit of stimulation that I need from time to time))

 

In other words they cannot be "shamed" they cannot be intimidated  and seemingly are above the law! 

 

In the end the 3BB company came up with the  insurance shortfall, apparently understanding that I wasn't going to go away and that the Insurance company was in error! (Even they were at odds with their own insurance company)

 

Just for the record I had to get a couple of estimates for the damage to the bike and the  three repair companies I dealt with were all in agreement that the "MuangThai car Insurance company is  a very very bad company to get money out of, so the lesson is clear;

 

Avoid like the plague the MuangThai car Insurance company at all costs!

 

In our dealings with them we  were lucky in that we had only damage to the PCX to go after them for, if there had been people hurt then heaven forbid the extent that this   insurance company would go to to avoid their liabilities !

 

 

[snowgard]

If the police didn't want to know something you can bring a case about destroying your property against the 3BB worker. The police must take it. If not, call the headquater in BKK or a news reporter. Then it will run to court and sure the insurance or the worker must pay. But it will need long time. 

It is not your job to run after the insurance. The worker damaged it and he or his insurance company has to pay it. If you have time, have it cleared by the court.

[n210mp]

7 hours ago, snowgard said:

If the police didn't want to know something you can bring a case about destroying your property against the 3BB worker. The police must take it. If not, call the headquater in BKK or a news reporter. Then it will run to court and sure the insurance or the worker must pay. But it will need long time. 

It is not your job to run after the insurance. The worker damaged it and he or his insurance company has to pay it. If you have time, have it cleared by the court.

Thanks once again snowgard for your input but I am fed up of chasing this recalcitrant insurance company!

In effect you could say that they have won or at least obtained what they wanted by evading the true cost of repairs !

You could say that but I dont think that way, in the end one way or another I have got the total money for the repair of my bike and in the process have caused them some Mal-advertisement.

 

It occurs to me that the only reason they get away with this type of SCAM is becasue the "normal" people of this Country dont have the means to fight them.

 

Just avoid like the plague the "MuangThai insurance company " (Car)