Card Posted June 20, 2020 Share Posted June 20, 2020 Hi, I just acquired a scooter in Pattaya and wondered what I need to do if ever I have an accident with it. Any advice welcome regarding who to inform immediately/afterwards, insurance claims procedure, police, hospital payments, details provided by myself and other driver to each other, need for photographs etc. It will also depend on how serious the accident is, I guess, and how much disruption there might be to other traffic. A procedural checklist would help! Thanks. 1 Link to comment Share on other sites More sharing options...
scubascuba3 Posted June 20, 2020 Share Posted June 20, 2020 What insurance do you have? Link to comment Share on other sites More sharing options...
Card Posted June 20, 2020 Author Share Posted June 20, 2020 (edited) Just 28 minutes ago, scubascuba3 said: What insurance do you have? Just the standard persons damage covered but not bike covered - about 300 baht per year. I think it is the govt scheme franchised out. Edited June 20, 2020 by Card added Link to comment Share on other sites More sharing options...
Puchaiyank Posted June 20, 2020 Share Posted June 20, 2020 Carry a few thousand baht when you travel...baht is your best insurance... Link to comment Share on other sites More sharing options...
scubascuba3 Posted June 20, 2020 Share Posted June 20, 2020 13 minutes ago, Card said: Just Just the standard persons damage covered byt not bike covered - about 300 baht per year. I think it is the govt scheme franchised out. It's a grey area for me, see what people say from experience. I think, police usually turn up and you agree on fault and who pays and how much, many Thais on bikes have the same no insurance and often can't afford to pay so many people just forget minor accidents. Big accidents all bets are off Link to comment Share on other sites More sharing options...
OneeyedJohn Posted June 20, 2020 Share Posted June 20, 2020 I remember bumping a parked scooter, and the owner came running out claiming I had cracked his mudguard, for the sake of the argument I just gave him 300 baht and disappeared. I was late for golf. 1 Link to comment Share on other sites More sharing options...
Kwasaki Posted June 20, 2020 Share Posted June 20, 2020 2 hours ago, Card said: Hi, I just acquired a scooter in Pattaya and wondered what I need to do if ever I have an accident with it. Any advice welcome 1 Link to comment Share on other sites More sharing options...
kekalot Posted June 20, 2020 Share Posted June 20, 2020 2 hours ago, scubascuba3 said: It's a grey area for me, see what people say from experience. I think, police usually turn up and you agree on fault and who pays and how much, many Thais on bikes have the same no insurance and often can't afford to pay so many people just forget minor accidents. Big accidents all bets are off it's about that except police don't technically need to be called as it's a not a criminal offense.. you call your insurance if you have one and they show up.. you deal with the other person. except, more than likely someone else WILL call the police but once they show up they usually want a tip and create more problems than otherwise. Link to comment Share on other sites More sharing options...
impulse Posted June 20, 2020 Share Posted June 20, 2020 (edited) Before the accident, I'd suggest you look at your insurance coverage limits, figure that a crash can result in millions of baht in hospital bills, and consider upping your limits beyond the ridiculously low mandatory policy. It's still cheap in the scheme of things. It'll have 2 additional benefits: 1) You'll get coverage for bail money in case you get banged up after an accident. 2) The insurance company will be on the hook for a lot more money, so they'll be more likely to fight an unfair settlement on your behalf. If you have that accident, call your insurance guy. He'll do the rest. Edit: Regarding bail money, even if you aren't worried about coming up with a few thousand $USD for bail, how do you figure you'll get that kind of cash in the middle of the night when the banks are closed and your ATM card is only good for 20,000-50,000 baht per day? Especially sitting in police remand... Edited June 20, 2020 by impulse Link to comment Share on other sites More sharing options...
DaRoadrunner Posted June 20, 2020 Share Posted June 20, 2020 You are expected to comply with Thai behavioural norms.... flee the scene. 1 1 Link to comment Share on other sites More sharing options...
alx123 Posted June 20, 2020 Share Posted June 20, 2020 (edited) Get a much better insurance. During an accident , you can call your insurance provider and their staff will usually help you with what to do next, as well as deal with the other party. What usually happens is you both call your insurance agents (if you have one) and they talk among themselves, then you need to file a police report separately later as a requirement for the insurance claim. Edited June 20, 2020 by alx123 Link to comment Share on other sites More sharing options...
Card Posted June 20, 2020 Author Share Posted June 20, 2020 16 minutes ago, alx123 said: Get a much better insurance. During an accident , you can call your insurance provider and their staff will usually help you with what to do next, as well as deal with the other party. What usually happens is you both call your insurance agents (if you have one) and they talk among themselves, then you need to file a police report separately later as a requirement for the insurance claim. Thanks for the first valid response. Link to comment Share on other sites More sharing options...
Agusts Posted June 20, 2020 Share Posted June 20, 2020 The problem is there are not many options for first class or 2nd class etc. insurance for a small scooter, perhaps those in the know can tell you what is available and at what price.... Link to comment Share on other sites More sharing options...
DaRoadrunner Posted June 20, 2020 Share Posted June 20, 2020 1 hour ago, Agusts said: The problem is there are not many options for first class or 2nd class etc. insurance for a small scooter, perhaps those in the know can tell you what is available and at what price.... For car insurance Viriyah is reckoned to be the best, though I am not sure if they will insure a scooter? Link to comment Share on other sites More sharing options...
scubascuba3 Posted June 20, 2020 Share Posted June 20, 2020 5 hours ago, Agusts said: The problem is there are not many options for first class or 2nd class etc. insurance for a small scooter, perhaps those in the know can tell you what is available and at what price.... Once it's 3 years old first class insurance doesn't seem to be available for scooters Link to comment Share on other sites More sharing options...
scubascuba3 Posted June 20, 2020 Share Posted June 20, 2020 6 hours ago, Card said: Thanks for the first valid response. you don't have decent insurance so how does that help you? Link to comment Share on other sites More sharing options...
bodga Posted June 20, 2020 Share Posted June 20, 2020 1 your fault open wallet 2 their fault close wallet 3 Thai fault deny everything claim falang fault and cry like a baby constantly whinging it's not fair and poor. 4 Thai fault wai and drive off My experience anyway 1 Link to comment Share on other sites More sharing options...
Card Posted June 21, 2020 Author Share Posted June 21, 2020 2 hours ago, scubascuba3 said: you don't have decent insurance so how does that help you? I could get it if necessary. 1 Link to comment Share on other sites More sharing options...
scubascuba3 Posted June 21, 2020 Share Posted June 21, 2020 4 hours ago, Card said: I could get it if necessary. Get the first class insurance then, 4,000 baht for a new Click. Then the insurance companies come to an accident and agree fault Link to comment Share on other sites More sharing options...
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