Any experience with car/motorcycle accident ?

[OneManShow]

A few months ago they found me at fault in an accident. The motorcycle (sport fast motorcycles) rider with a broken leg (required surgery) and in the first matting at police station I paid him 35000 + both vehicles inspection fees (however one of police officers suggested my wife not to give him too much money) till he gets paid by insurance. I have a 1st class Tokyo insurance, but the rider lawyer says the insurance not paying enough and asked me to pay more. If you had such experience please tell me your story. 

[JAS21]

If you have first class insurance you should let the accessor appointed by your insurance company deal. Doesn’t your policy say cover up to 200,000baht medical expenses per person injured. Look in the right hand column of your policy.

 

I don’t understand why you gave any money. Let your insurance company deal. If his medical bill was above 200K then guess bad luck for you.

[Etaoin Shrdlu]

Did the lawyer present the rider's demand in writing? If so, forward the letter to your insurance company and advise the rider's lawyer in writing that all future correspondence or discussions must be directed to your insurer. 

 

If the request was verbal, advise the lawyer that he needs to contact your insurance company and decline further discussion with the lawyer. Advise your insurer of the lawyer's approach in writing.

 

The best way to handle vehicle accidents is to contact your insurance company right away and not pay anything out of your pocket. Let the  insurance company handle everything.

[OneManShow]

3 hours ago, JAS21 said:

Doesn’t your policy say cover up to 200,000baht medical expenses per person injured. Look in the right hand column of your policy.

It is 200,000

 

[OneManShow]

2 hours ago, Etaoin Shrdlu said:

The best way to handle vehicle accidents is to contact your insurance company right away and not pay anything out of your pocket. Let the  insurance company handle everything.

I was advised to pay some for beginning before he gets paid by insurance later after he recovered, but I believe that was more than enough for such reason. 
Today I was told by insurance agent at police station that what I paid looks good if case goes to court and "do not pay" any cash to them, they will be paid by us. 
I guess everything is almost clear now. (My 1st time accident). I hope never happens again, but I learned how the game works here. Somehow different than the US, insurance to insurance. 

[richard_smith237]

Too many questions before any viable answers can be offered

 

1) Why did 'they' find you at fault ? (were you actually at fault ?)

2) Were you licensed ? was he ?

3) Was his motorcycle taxed ?

4) Your Por-ror-bor insurance will pay for medical cover

5) Your Tokyo-Marine first Class insurance will cover damages

 

There was no reason for you to be talking with the other party at all.

 

All in all, if it really was your fault, it seems you were treated quite fairly, though any monetary request should be made through your insurance - as they should be covering all costs up to their limits.

 

It just seems you were 'trying to do the right thing' (which is commendable) .

 

[OneManShow]

32 minutes ago, richard_smith237 said:

1) Why did 'they' find you at fault ? (were you actually at fault ?)

2) Were you licensed ? was he ?

3) Was his motorcycle taxed ?

4) Your Por-ror-bor insurance will pay for medical cover

5) Your Tokyo-Marine first Class insurance will cover damages

1- I was changing lane. The "ghost riders" changing lanes rapidly. Before I could even see where he came from to my right side. It was already too late. But I was at fault because he was already in that lane before me. Just small contact with my truck, he was in air. 
2- both are licensed. 
3- I don't know. 
4- they will 

 

32 minutes ago, richard_smith237 said:

There was no reason for you to be talking with the other party at all.

They make appointments with me and my insurance agent for next police station meeting through me. 

[richard_smith237]

Just now, OneManShow said:

1- I was changing lane. The "ghost riders" changing lanes rapidly. Before I could even see where he came from to my right side. It was too late. But I was at fault because he was already in that lane before me. 
2- both are licensed. 
3- I don't know. 
4- they will 

 

They make appointments with me and my insurance agent for next police station meeting through me. 

 

Thanks... 

You mentioned 'Ghost rider'....   do you mean he had no lights on ?

Did you have a dash-cam ?

 

Apologies for the 'closing the barn door comment'...   but a dash cam could proof no lights, or if he had lights and as riding recklessly it could show that... 

 

(*I have fwd and rear facing cams on my car and bike for this very reasons).

 

Por-ror-bor will or rather, has to pay for their medical bills, thats what its for - leave all that to Tokyo Marine - they should force them to.... 

 

Also, as the other party is Thai, they have Government cover, so their health care should be free anyway (but at the hospital in the province they are registered at - if they are working in a different province than that they are registered at, its kind of their own fault that they didn't update their primary hospital).

 

As far as appointments are concerned - it should be 'Insurance talking with insurance'  If they are inviting you, its likely for a compensation claim...   If they were riding recklessly, that would be the time to mention that (but again, dash cam footage would be great here).

 

 

[Etaoin Shrdlu]

1 hour ago, OneManShow said:

I was advised to pay some for beginning before he gets paid by insurance later after he recovered, but I believe that was more than enough for such reason. 
 

 

Advised to pay by whom?

[OneManShow]

46 minutes ago, richard_smith237 said:

(*I have fwd and rear facing cams on my car and bike for this very reasons).

I did have rear cam, but insurance was not interested to look at the videos(however I checked later and found only corrupted video files, I bought 2 new cams this week).

 

49 minutes ago, richard_smith237 said:

You mentioned 'Ghost rider'....   do you mean he had no lights on ?

I just call them ghost because they are fast and changing lanes quickly (like ninja bikes).

 

[kwilco]

I see no need to discuss the rights and wrongs on this theread as yhtat boat has already left. 

My only comment is not so much your experience but mine - and it may be useful to others invovled in any collision regadless of fault.

this

ASP! call the insurnce - always have it to hand - others can call police etc but you need your insurance agaent on the spot and quick.  you can't sort this yourself, you need the insrance rep to act as intermediary between you, the police and the third party. 

Failure to do this just causes huge amounts of complications.

[OneManShow]

12 minutes ago, Etaoin Shrdlu said:

Advised to pay by whom?

As I understood the 1st meeting at police station is for this purpose. I could refuse it, but as the one at fault I did it. 

[richard_smith237]

7 minutes ago, OneManShow said:

I did have rear cam, but insurance was not interested to look at the videos(however I checked later and found only corrupted video files, I bought 2 new cams this week).

 

I just call them ghost because they are fast and changing lanes quickly (like ninja bikes).

 

 

Understood....   Good move on getting the new cams (it reminds me to check my cams and make sure they are recording properly).

 

Its alarming that insurance refused to accomodate footage (although there wasn't any anyway)...  

I think our insurance gives a 5% discount if we have a dash-cam.

 

And... It would certainly be in 'their' (insurance) interest too look at footage that can prove innocence - so something quite strange was happening there. 

 

 

When you meet - remember, you'll only get 'walked over' the amount you let them to

... 

It seems these guys (riders) were a danger to themselves and riding recklessly, so don't agree to more compensation...  My guess is that this next meeting is only about getting more money from you, nothing else....  really, you don't even need to be there, unless there are police charges against you.

 

 

 

 

 

 

 

[Etaoin Shrdlu]

Just now, OneManShow said:

As I understood the 1st meeting at police station is for this purpose. I could refuse it, but as the one at fault I did it. 

 

Was a representative of the insurance company present at this meeting?

 

 

 

 

[kwilco]

19 minutes ago, OneManShow said:

As I understood the 1st meeting at police station is for this purpose. I could refuse it, but as the one at fault I did it. 

If you go to court, it will take months or even years. THe police self-appoint themselves as judge and jury as well as police here, thety decide of fault and blame and then demand and apportion funds as they see fit. If you go around them they will take offence.

Trying to negotiate on you own is a mistake - get the insurance guy again and he can sit down and tell you what is happening.

 

Don't overrate web cams, a good lawyer can run rings around tem i seconds and they can even backfire on yourself.