My girlfriend's car just got severely damaged. It was parked and hit by another person driving a newer Hilux. Her garage said it might take 45 days to fix. Damage on all 4 sides and probably frame damage.

1. Does her 1st class insurance cover renting a car while her car is covered?

2. The other driver supposedly has insurance also. If it's also 1st class, does that insurance cover renting a car while waiting for the car to be repaired? 

3. The car is just over 5 years old. Can she have it repaired at Toyota or does it have to be at a private garage? If she can choose Toyota, then the cost would exceed the total loss number and she would get the total loss paid which she prefers so she can buy a new car.

 

Nothing to do but get out your policy and look. In other countries the at fault drivers insurance would cover the cost of a rental.

 

But this is Thailand, not an other country . Get your policy out and read it - and or post the company here. Some other expat might have that insurance company and have first hand experience. First Class ? This is Thailand assume nothing.

In Thailand, when the other person is at fault, do the provisions of the insurance policy of the at fault driver apply or are the provisions of her policy in force? Police report done at station, lots of pics so no dispute of their fault.  Her insurance is Mueng Thai.

20 hours ago, JerseytoBKK said:

In Thailand, when the other person is at fault, do the provisions of the insurance policy of the at fault driver apply or are the provisions of her policy in force? Police report done at station, lots of pics so no dispute of their fault.  Her insurance is Mueng Thai.

I would suggest she talks to her insurance company and gets them to push for a hire car from the at fault drivers insurance co. - or find out what they say.

If it's in her policy then she can insist on it and up to her insurance co. to get the money out of the other one.

In general not covered under insurance, sometimes for a very limited time only.

 

However, the guilty party is responsible for expenses, whether covered by insurance or not. So the guilty party has to pay the rental fees, but will most likely not be easy to collect.

17 hours ago, stevenl said:

In general not covered under insurance, sometimes for a very limited time only.

 

However, the guilty party is responsible for expenses, whether covered by insurance or not. So the guilty party has to pay the rental fees, but will most likely not be easy to collect.

That's what her agent told her. It will be difficult to get the car rental fee paid by the other party.

 

Thanks to everyone for your replies and help!

I know for a fact the police can command a guilty party to pay for a rental car to the innocent party as you report the accident.