How to negotiate repairs in no-fault crash

[cheeryble]

Hello there

 

It’s not been my week. A week or so ago I parked the car. close to the curb, left the flashers on when I run into a shop to pick up a couple of bags. There was an enormous bang, and a motorbike had run into my rear offside of my car, possibly without braking whether he was texting or not I don’t know he was Burmese. My insurance man came, but it turned out My wife had only bought third-party insurance. Happily, by some miracle, the boy was not hurt. Happily also the damage is not deep. As the kid just has a very normal job working in GO wholesale, And I felt sorry for him. I would be content to just get a cheap job done. My wife was going to take the car to the local, very economical panel guy to decide how much to ask him.

 

Last night someone pulled out of a side turning straight into the front corner of my car. Located police and my insurance man arrived, we went to the police station with the Lt Colonel who arrived on the scene. They decided I was completely guilt free, and I have the letter from the lieutenant colonel saying that the student involved had "confessed". His father had turned up and was completely completely in agreement.
He said he knew a repair man who did work for Toyota and would I go there with him today at 9 o’clock? It was in San Kamphaeng, rather a distance, and I felt rushed and that I should learn a bit about the detail of the repair so I said I’d call him later today.

 

To explain further, I’m driving a Honda CRV 2003 I bought from a friend, but it is a fantastic example of a Honda CRV gen2, which I and Scotty Kilmer consider the best year and the best car. It is very lightly used, parked out of the sun, all services and repairs by Honda. it is like driving a new car and the leather seats etc etc look like it just came out of the showroom. I saw this car parked up all the time as we both owned condos on the same building, and I saw the he rode a little motorcycle all the time. So I had my eye on it for years, and eventually it came to me. it has had a speedo cluster replacement, and reads near 10,000, but I have no reason to disbelieve when he says the mileage is about 80,000 km. Properly maintained of course these Honda Vtec engines can easily do three, four, 500,000 miles.

 

So in the past, I’ve had Thai drivers hit me, always in the rear of the car, And when they’ve been told by the police to pay me, I’ve been contented for the panel or two to be filled with Bondo and a quick paint job. 
But this is the car I really like, and at my age, I think it would see me out.

 

so I’d be very interested in the opinions of readers whether I can reasonably ask for new panels on a 20yr old car, and whether, I can reasonably take it to an established insurance body shop.

 

 in fact I just had a good look at the car and taking some photos. There is one panel, the front offside ring which is quite dented as you see. Another silver panel has been scratched and mildly dented, but this kind of panel goes from one side of the car to the other, above the “bumper“

The bumper itself has a small area of damage was actually torn and the torn area sticks out.

The car also needs an offside headlight assembly, I would like to have a quality that will not yellow in future.

The drivers door creeks when I close or open it as it is now interfering with the wing, but I suspect this will be OK when the wing is sorted

 

any input appreciated.

 

i shall put photos in the next post

cheers
 

 

 

 

These last four are the rear damage from the first crash.

I've been quoted 3,500 from a local cheap shop and as it's tucked away more and sure the kid don't have much money I'm fine with that. In fact the small mark on the near side wing rear wing was done by someone else in a car park!

[JBChiangRai]

It's not reasonable to ask for new panels.  If you had first class insurance you wouldn't be able to dictate that either.

[KannikaP]

As well as new panels, I would get a new wife if I were you. One who gets FULL insurance on your pride & joy.

By the way, who the 4..k is Scotty Kilmer?

 

Just realised that you cannot get full insurance on a 20 year old banger.

[Joe Farang]

How did he manage to pull out of a side road and hit your car on the front right hand side?

[cheeryble]

5 minutes ago, Joe Farang said:

How did he manage to pull out of a side road and hit your car on the front right hand side?

Yes it was a four-way junction, the road I was on obviously larger, and the clincher was a stop sign facing towards him at the junction

[cheeryble]

20 minutes ago, KannikaP said:

As well as new panels, I would get a new wife if I were you. One who gets FULL insurance on your pride & joy.

By the way, who the 4..k is Scotty Kilmer?

 

Just realised that you cannot get full insurance on a 20 year old banger.

Really you can't get insurance on a 20 year old eh?

Scotty kilmer is undoubtedly the most proli unific and followed carguru on YouTube. Give him a try.

 

 

[KannikaP]

30 minutes ago, cheeryble said:

Really you can't get insurance on a 20 year old eh?

Scotty kilmer is undoubtedly the most proli unific and followed carguru on YouTube. Give him a try.

 

 

Sorry I was wrong.  And what's that adjective describing Mr Scotty?

 

Car Insurance Comparison

There are a number of insurance types you can get for your vehicle or motorcycle. Below is a detailed outline of each type.

Type 1

This is the most expensive and comprehensive type of insurance offered in Thailand. It should cover you from all accidents and problems. Also, it’s the only insurance type that covers an accident not involving a third party, such as hitting a wall, hitting a dog, getting a scratch, and so on.

In some cases you need to pay an excess and in other cases you don’t have to pay for it.

Type 1 insurance is normally available to a vehicle that is less than seven years old. However, it is still possible to get Type 1 insurance for an older car as long as it has a good record and history without major accidents involved.

 

Which suggests that it the car's fault for any accidents, not the owner/driver.

[Al BB]

I have Type 1 Insurance; Bike ran into the back of me last Saturday, Young guy not paying attention. When the Insurance guy turned up, it was all was sorted in 20 Minutes. The young guy didnt have any  insurance and had to Pay 7000 Baht to my Insurance Co. Insurance guy asked if I wanted him to pay for my car being off the road for 3 days. As with the OP I let him off. Car being repaired at Main Dealers next week. 

[cheeryble]

27 minutes ago, KannikaP said:

Sorry I was wrong.  And what's that adjective describing Mr Scotty?

 

Car Insurance Comparison

There are a number of insurance types you can get for your vehicle or motorcycle. Below is a detailed outline of each type.

Type 1

This is the most expensive and comprehensive type of insurance offered in Thailand. It should cover you from all accidents and problems. Also, it’s the only insurance type that covers an accident not involving a third party, such as hitting a wall, hitting a dog, getting a scratch, and so on.

In some cases you need to pay an excess and in other cases you don’t have to pay for it.

Type 1 insurance is normally available to a vehicle that is less than seven years old. However, it is still possible to get Type 1 insurance for an older car as long as it has a good record and history without major accidents involved.

 

Which suggests that it the car's fault for any accidents, not the owner/driver.

Thanks for that.

I tried to say Scotty is prolific. Carmakers quick at the thought of him dissing the latest model. He takes no commissions and I believe him.. still drives a,20year old Toyota and fixes cars in his driveway. He produces a great number of YouTube videos and presumably it is this that have made him worth 7 million$.

[bkk6060]

1 hour ago, cheeryble said:

not been my week. A week or so ago I parked the car. close to the curb, left the flashers on when I run into a shop to pick up a couple of bags. There was an enormous bang, and a motorbike had run into my rear offside of my car, possibly without braking whether he was texting or not I don’t know he was Burmese. My insurance man came, but it turned out My wife had only bought third-party insurance. Happily, by some miracle, the boy was not hurt. Happily also the damage is not deep. As the kid just has a very normal job working in GO wholesale, And I felt sorry for him. I would be content to just get a cheap job done. My wife was going to take the car to the local, very economical panel guy to decide how much to ask him.

So,  you parked on a through road with flashers to do your shopping?

How dangerous, selfish and down right irresponsible.   Then, some poor kid on a motorbike probably assuming the road should be clear rams into it?

It is impeding a roadway to just park with flashers to take care of business.

In a western country, you would quite possibly be at fault for illegal parking. I would make the kid pay nothing and be thankful he wasn't seriously injured..

[richard_smith237]

4 minutes ago, bkk6060 said:

So,  you parked on a through road with flashers to do your shopping?

How dangerous, selfish and down right irresponsible.   Then, some poor kid on a motorbike probably assuming the road should be clear rams into it?

It is impeding a roadway to just park with flashers to take care of business.

In a western country, you would quite possibly be at fault for illegal parking. I would make the kid pay nothing and be thankful he wasn't seriously injured..

 

Careful... its slippery up there on that soap box... 

 

He didn't say he was on a 'through road'... (which implies a non-stopping zone etc)

He'd parked at the side of the road to pop into a shop...  which is perfectly legal, something that occurs in every town and city throughout Thailand.

Many town roads have multiple lanes and there are street vendors, parked bikes, cars etc on the inside lane.

 

Then you absolve a motorcyclist of any fault for not looking where they are going and making an assumption that the road would be clear.

 

And no, in a Western Country (UK for example), it not illegal to stop at the side of the road in a town, unless there are double yellow or single yellow lines which indicate such. 

 

 

Finally - it doesn't appear that the Op is 'making the kid' pay anything, the Op says he felt sorry for the kid, the impression I get is that he's asking how to negotiate with the garage to get the repairs done (and also tell a story of an unlucky week). 

 

 

As others have pointed out (get rid of the Wife for not having 1st class insurance) the car is 20 years old - I think its extremely difficult to get first class insurance on a car that old in Thailand. 

 

 

-----------

 

In response to the Op... Go to the garage recommended by the second party's father (if its not too far) 

If it is too far, go to a garage nearby and just ask them how much for repairs - ask them to separate individual repairs.

 

 

Regarding new panels, if the dent will 'pop out' then there is no need. 

Its amazing how 'new' they can make things look - they maybe able to touch up the rest of your car too - also any interior bits that need sprucing... 

 

 

 

[richard_smith237]

1 minute ago, richard_smith237 said:

Finally - it doesn't appear that the Op is 'making the kid' pay anything, the Op says he felt sorry for the kid, the impression I get is that he's asking how to negotiate with the garage to get the repairs done

 

If on the other hand I am mistaken and the Op wants the 'kid to pay'... Does the kid have the Por-ror-bor (3rd party insurance) for his bike ?

 

If not... then its going to be difficult to get any money without police involved. If so, then the insurance should chase it up. 

 

 

[KannikaP]

55 minutes ago, cheeryble said:

Thanks for that.

I tried to say Scotty is prolific. Carmakers quick at the thought of him dissing the latest model. He takes no commissions and I believe him.. still drives a,20year old Toyota and fixes cars in his driveway. He produces a great number of YouTube videos and presumably it is this that have made him worth 7 million$.

That's almost as much as the Vlad & Nikki kids stuff on You Tube who's parents have made in a couple of years

[Pouatchee]

2 hours ago, cheeryble said:

To explain further, I’m driving a Honda CRV 2003 I bought from a friend, but it is a fantastic example of a Honda CRV gen2

 

damn man. that thing is anything but a fantastic example. its more banged up than a featherweight against a heavyweight would be. not even sure they make replacement panels for that old model anymore. if memory serves me well, panels actually arent that expensive. usually it is the labor that brings costs up and here labor aint too bad. if you can find the parts it will be worth it

[digbeth]

20 hours ago, richard_smith237 said:

 

If on the other hand I am mistaken and the Op wants the 'kid to pay'... Does the kid have the Por-ror-bor (3rd party insurance) for his bike ?

 

If not... then its going to be difficult to get any money without police involved. If so, then the insurance should chase it up. 

 

 

the compulsory 'por ror bor' third party only covers injuries, not damages to vehicle or property even if the OP had first class insurance, his insurer will be going after the kid for damages 

[roo860]

20 hours ago, bkk6060 said:

So,  you parked on a through road with flashers to do your shopping?

How dangerous, selfish and down right irresponsible.   Then, some poor kid on a motorbike probably assuming the road should be clear rams into it?

It is impeding a roadway to just park with flashers to take care of business.

In a western country, you would quite possibly be at fault for illegal parking. I would make the kid pay nothing and be thankful he wasn't seriously injured..

you have reading difficulties?

[richard_smith237]

3 hours ago, digbeth said:

the compulsory 'por ror bor' third party only covers injuries, not damages to vehicle or property even if the OP had first class insurance, his insurer will be going after the kid for damages 

 

Thanks for the correction (I was getting mixed up between Compulsory 'Por-Ror-Bor' and 3rd Class insurance)...

 

That highlights why we all need 1st Class insurance (even on older cars if we can get it)...  because no one else considers financial risk if they cause an accident... I suspect the attitude is.. no one can take money I don't have, ergo the utter irresponsibility on the roads.

[eyeman]

Putting the poor kid into debt,  on a 20 year old banger, just leave the kid alone and move on. no need to repair it, it's cosmetic and no one gives a hoot, it will be scrapped in a few years anyway..

[cheeryble]

1 hour ago, eyeman said:

Putting the poor kid into debt,  on a 20 year old banger, just leave the kid alone and move on. no need to repair it, it's cosmetic and no one gives a hoot, it will be mi in a few years anyway..

I don't think I deserve you presenting me as some unfeeling swine, when I went out of my way and chose the lowest price body shop I know.

I felt it needed a wing because there's a tight little foldold or crease in the wing..... But on the advice of the body shop he says he could probably manage it and I'm okay with that...... and I am shortly about to call Dang klong Pratu, who I know, to get the best price possible for the headlight cluster. I could easily go to Honda and pay three times as much.

As I paid so much for meds that my household budget is way underwater I didn't see any reason I shouldn't get a contribution to repairs.

I gave both of these kids a warning about how easy it is to end up being affected for the rest of your life by the results of such dangerous driving is this.

No, you can keep your advice to yourself

[cheeryble]

22 hours ago, eyeman said:

Putting the poor kid into debt,  on a 20 year old banger, just leave the kid alone and move on. no need to repair it, it's cosmetic and no one gives a hoot, it will be scrapped in a few years anyway..

 

happily my CRV has done 200,000 miles less than this one.

and I have leather seats that look new.

Not to mention the picnic table.

 

[cheeryble]