18 hours ago, wadsy said:

The company I use in Australia for travel insurance covers motorcycle riding up to 250cc IF you have a motorcycle license in your home country AND you have an IDP. 

The problems begin when someone decides to rent a bike without a license. 

They get the same reply as if injured while drunk, so sorry you pay good luck

21 hours ago, lordgrinz said:

 

Since the guy awoke from a coma and appears to be disoriented and barely recognizes his family, how did they determine its the other drivers fault? 

Other witnesses?

21 hours ago, Easterneye said:

I wish him well in his recovery ,, but like so many others if having to go crowdfunding ,, out there living the dream without the proper insurance until it all goes wrong 

What kind of insurance do you have? I have insurance, was hit by a car, ended up in hospital.  Insurance paid once it was clear whose fault it was. Till then I had to advance the money. Do you know how much a day in a private hospital with treatment costs? I did not require an induced coma or dialysis etc.

15 hours ago, Liverpool Lou said:

21 hours ago, biggles45 said:

Fleeing the scene seems to be the Thai way. 

Saying that seems to be the AN poster way.

 

The few local truck drivers that defy the cultural norms and don't flee  the scene, invariably claim brake failure.

15 hours ago, Geoff914 said:

I believe I am a named driver. I assume the policy is in Thai so I have to take their word for it. I just wonder whether it is normal for Thai car insurance to include hospital care or is that extra?

 

This can only be answered by looking at the policy. A lot of them are in both Thai and English these days with a clear itemisation of who is insured for what and by how much, including injury and death.

 

Also, if the vehicle you drive is over 8 years old, the owner could have been declined first-class insurance by the insurance company. First class offers the best coverages and accordingly is more expensive. Insurance companies see old cars as exposing them to higher losses (less profit) if claims are made, same as old drivers.

 

If the car owner has opted for only the mandatory por ror bor insurance (equivalent of third party in the UK), versus First or Second class (equivalent of comprehensive or third party, fire and theft in the UK), there will be significant gaps in what the insurer will accept and/or pay in the event of a prang, same as in the UK.

16 hours ago, Geoff914 said:

I believe I am a named driver. I assume the policy is in Thai so I have to take their word for it. I just wonder whether it is normal for Thai car insurance to include hospital care or is that extra?

Here in Thai, insuring a car will usual cover whoever you allow to drive. To drive you must have a legal license, not be drunk or impaired, not using the vehicle in a crime or recklessly like a weapon.

Insurance full coverage hospital is covered along with death it is usually under bodily injuries.

If the policy is in all Thai then go back ask the agent to provide it in English if refuse move on to one that would.

Quote

A fundraiser initiated by June seeks to cover Willie’s medical and rehabilitation expenses, raising nearly £5,000 so far. Willie’s discharge will mark the beginning of lifelong support needs, including moving into assisted accommodation.

and there is the crux of it.

20 hours ago, Geoff914 said:

Does valid car insurance include medical cover? I always have travel insurance but when in Thailand I drive a family car and I am included on the car insurance. Just wondering in the event of an accident can I use the car insurance for medical treatment rather than the travel insurance.

If the car has a tax disk then you have gov minimum insurance good for 30kbht of hospital treatment.

No legal requirements like sober or having a d/l or wearing a seat belt.

Only a police report required to claim, and most hospitals will claim direct.

 

1st class insurance on top of that will be at least another 500kbht.

Many legal requirements, sober, full D/L, not deliberate, over 25 years old, etc.

16 hours ago, Liverpool Lou said:

That's why vehicles generally have insurance, particularly commercial vehicles, the drivers don't personally shoulder financial liability.

Nothing personal here but that is the big question for me. Are many of these companies have insurance.

In the States companies to operate must there is a provision if not must show a sufficient monetary asset to go self insured. 

Here I've not but at same time we never rarely hear the end result that victims were compensated.

Example, the Black Mountain entertainment warehouse in Sattahip fire where many were burn to death and hurt there were no sign of insurance involvement owner said he would offer 50,000 baht for each death, then the school bus fire which burn alive children the demand was for the government to help compensate. 

You take companies like all these motorbike deliveries, the pickup trucks with the tin can covers on the back these are all consider sub- contract they aren't covered by these companies. Many of these pickups if they do have insurance that insurance isn't covered for work purposes.

I would love to believe they are but I seriously doubt it. 

22 hours ago, cynic1 said:

It's usually an indication the Lorry driver bknew he was at fault and fled. Duh!

As for the thumbs down. Either you are drivers who left the scene after a serious accident in your driving career or your a lorry driver who may have been involved? 

Post in block capitals removed 

 

A reply to it also removed 

18 hours ago, Liverpool Lou said:

No, it is not enough to prove fault, <deleted>.

Errr, you didn't include my 2nd sentence after "Bloody hell, he left the scene"
"Why didn't he help the man?"

I was not referring to fault, so you're barking up the wrong tree.

Why didn't he help the man?

On 8/7/2025 at 7:11 AM, praguecr said:

Because it was a hit and run!

So you've read the crash report? ... or were you there, in the truck?

On 8/7/2025 at 3:30 PM, lordgrinz said:

Just a side note, don't ever lay your bike down, it won't stop any faster by doing so.

Totally depends on the situation, I've probably saved my life more than once by dropping the bike that I was on...

23 hours ago, Donga said:

Errr, you didn't include my 2nd sentence after "Bloody hell, he left the scene"
"Why didn't he help the man?"

I was not referring to fault, so you're barking up the wrong tree.

Why didn't he help the man?

Er...I am well aware of what I did not include; not staying at the scene (and, by definition, not assisting the rider) does not put him at fault for the accident that, from the reports, appeared to have been nothing to do with the truck driver apart from his being at the wrong place at the wrong time.

On 8/8/2025 at 1:45 PM, thailand49 said:

all these motorbike deliveries, the pickup trucks with the tin can covers on the back these are all consider sub- contract they aren't covered by these companies. Many of these pickups if they do have insurance that insurance isn't covered for work purposes.

Huh?  How could you possibly know that non-sensical assertion to be the case?

On 8/8/2025 at 11:35 AM, NanLaew said:

The few local truck drivers that defy the cultural norms and don't flee  the scene, invariably claim brake failure.

Where did you get that invalid, and likely completely inaccurate, "statistic" from? 

6 minutes ago, Liverpool Lou said:

Where did you get that invalid, and likely completely inaccurate, "statistic" from? 

 

No such statistics exist.  For lack of a better phrase, when it comes to supporting that claim he doesn't have a leg to stand on.

On 8/7/2025 at 4:30 PM, Liverpool Lou said:

How exactly?  And, yes, I understand that you are being sarcastic, so how will it damage tourism?

Thailand: how often do drivers run away after an accident .. to me it represents population and a culture without any sense responsibility or accountability fo r their actions.. need I say more??

1 hour ago, smew said:

Thailand: how often do drivers run away after an accident .. to me it represents population and a culture without any sense responsibility or accountability fo r their actions.. need I say more??

 

How many accidents have you been on the scene in in Thailand?

 

Are you aware of the protocol - It would seem not and you don't even know who precisely "runs away" or why - just stupidity and assumption. with a sprinkling of racism.

Do you have vehicle insurance have you read te protocol and te precise cover you have?

 

 

3 hours ago, Liverpool Lou said:

Huh?  How could you possibly know that non-sensical assertion to be the case?

My son friends many work for companies like F---h, G--b, L--e, my non-sensical assertion comes from that.

One hauls dirt once got into a small fender bender manager said comes out of his paycheck.

You have anything non - sensical assertion that I'm off track?

29 minutes ago, kwilco said:

 

How many accidents have you been on the scene in in Thailand?

 

Are you aware of the protocol - It would seem not and you don't even know who precisely "runs away" or why - just stupidity and assumption. with a sprinkling of racism.

Do you have vehicle insurance have you read te protocol and te precise cover you have?

 

 

seen quite a few.. If you have some free time, go/park at a major parkin lot in BKK and you will see how many drivers simply drive off after a small fender benders... 

17 minutes ago, smew said:

seen quite a few.. If you have some free time, go/park at a major parkin lot in BKK and you will see how many drivers simply drive off after a small fender benders... 

 So not aware at all - you obviously realise how stupid your earlier comment was as you are now  shifting the goal posts ,aren't you?

 

Have you any idea of how to compile evidence - firs rule is the plural of anecdote is not data.

3 hours ago, smew said:

Thailand: how often do drivers run away after an accident .. to me it represents population and a culture without any sense responsibility or accountability fo r their actions.. need I say more??

Nah, they run off whenever they can't pass a drug test.

As there appears to be no penalty for turning up next day it's probably their best course of action.

11 hours ago, BritManToo said:

Nah, they run off whenever they can't pass a drug test.

As there appears to be no penalty for turning up next day it's probably their best course of action.

 

Ooooh, careful there BMT. If you don't have statistical evidence to support such a fallacious claim, the holier-than-thou brigade and armchair road traffic accident investigators will try and make you look the dullard who ignores the "protocol" with "stupidity and assumption , with a sprinkling of racism."

On 8/7/2025 at 1:21 PM, Donga said:

Bloody hell, left the scene is enough <deleted>. Why didn't he help the man?

Many scenarios, maybe drugs or alcohol or just bad driving, however this is very tragic and police should be doing all they can, I hope. 

3 hours ago, NanLaew said:

 

Ooooh, careful there BMT. If you don't have statistical evidence to support such a fallacious claim, the holier-than-thou brigade and armchair road traffic accident investigators will try and make you look the dullard who ignores the "protocol" with "stupidity and assumption , with a sprinkling of racism."

I don't think many posters understand how widespread the use of yaba and yaice is.

12 hours ago, kiwikeith said:

this is very tragic and police should be doing all they can

 

To do what? The motorcycle is completely at fault for this accident, nothing the police do will change that, he caused his own predicament.

19 hours ago, lordgrinz said:

 

To do what? The motorcycle is completely at fault for this accident, nothing the police do will change that, he caused his own predicament.

How do you know this??

Dashcam footage of the accident.

 

https://www.newsflare.com/video/773211/british-retiree-54-fighting-for-his-life-after-horror-hit-and-run-in-thailand