I was recently involved in an RTA with a motorbike.

I was attempting a U-turn from a parked position and had waited several minutes for the road to clear. I was struck on my right wing by the motorbike and it was a complete shock as I hadn't seen him at all. I did see another bike approaching the U-turn but not the other bike (who was in the 3rd lane on travelling beyond the U-turn).

Thankfully the boy and his passenger were not seriously hurt and were later discharged from hospital.

I have class 2+ insurance with Roojai. Unfortunately, the 15 year old boy did not have a driving license.

There is apparently a meeting at the local police station later this week to "talk about the accident".

In the west I was used to insurance companies dealing with everything - and the specific instruction NOT to get involved with conversations with third parties. On that basis I have no intention of attending said meeting. BUT, I am conscious that this is rural Thailand and my wife (the car owner) will expect to attend. Equally, I don't want to antagonise the local Tam Ruat. I have not been 'summoned' and no charges have been made against me.

Am I doing the right thing expecting the insurer to handle everything?

what does the insurer say?

8 minutes ago, scubascuba3 said:

what does the insurer say?

Thanks for your question.

About what?..not attending the proposed meeting?

I don't know because I haven't asked the direct question - my wife is the car owner/ policy holder; I have not had any communication with Roojai.

To me, this "Thai way" is something that happens where the parties are not insured and discuss financial terms. IMO I believe that insurance negates the need for that.

I would ask the insurer what the process is, or get your wife to find out

So you reported the accident to the Police but did not call and have your insurance accident investigator present at the scene?

That is usually what happens?

Insurance would probably have handled everything but they didn't attend the accident scene?

8 minutes ago, VocalNeal said:

So you reported the accident to the Police but did not call and have your insurance accident investigator present at the scene?

That is usually what happens?

Insurance would probably have handled everything but they didn't attend the accident scene?

They attended.

Not at the scene but at the local police station .

We stayed at the scene until the kids had been taken to hospital, by EMS, and the police had taken photographs of the scene - and my documents.

1 hour ago, hotandsticky said:

They attended.

Not at the scene but at the local police station .

We stayed at the scene until the kids had been taken to hospital, by EMS, and the police had taken photographs of the scene - and my documents.

Why did they not attend the scene ?

Thats where it should have all be sorted.

7 minutes ago, Ralf001 said:

Why did they not attend the scene ?

Thats where it should have all be sorted.

The insurers attended at the police station where we were instructed to go once the police had check everything at the scene.

8 minutes ago, hotandsticky said:

The insurers attended at the police station where we were instructed to go once the police had check everything at the scene.

Yeah fair enough.

Both accidents I have had Roojai (and police) came to the scene and sorted every.

Many possibilities here...

Given your description:

a) You were at fault for the accident.

b) The motorcyclist was riding illegally.

Question: Do you have a fill Thai License ?

How this usually works in Thailand

- Insurance does not fully replace the police process

Even when insurers handle claims, the police still:

- record statements

- decide fault (or shared fault)

- close the case administratively

The “meeting” is often about closing the police file, not negotiating liability.

- You haven’t been summoned - but absence can be misread

If you simply don’t attend:

- It can look uncooperative or dismissive

- The other side may tell their version uncontested

- The police may “simplify” things by leaning on the car driver

This isn’t about justice so much as social harmony and paperwork.

- The rider being 15 and unlicensed matters - a lot (focus on this)

That puts the motorbike side in a weak legal position.

- Under Thai law, an unlicensed minor is automatically at fault

- Parents/guardians usually become involved

- Police generally want a calm resolution, not escalation

This works in your favour, but only if handled politely - and you need to be there with a 'calm' presence and someone who can translate well for you, while not being over subservient to the police.

Avoid accepting full blame - the motorcyclist was riding illegally.

Avoid compensation pay-out - which is likely the intention of the 'other party' (15 year and his family) - as that 'could' imply fault and open the door for further pay out.

Many foreigners will avoid this situation - personally, I'd be right in the middle of it ensuring fault for the other rider being on the road illegally did not come my way.

IF you have dash-cam footage - does it show the rider (possibly) speeding / on his phone etc ?

Ultimately - the outcome should be - Your insurance pays for your car (because another vehicle was involved - riding illegally) and pay for the damages to the motorcycle (even though it was ridden illegally).

The Police should charge the 15 year old / his family for riding unlicensed (but rarely do and thats unlikely).

What might happen - is Police want to take the path of least resistance - see you pay the boy a couple of thousand baht to fix his motorcycle, your insurance may or may not agree to cover your damages and everyone wai's and walks away smiling - path of least resistance.

Ensure the insurance agent is with you at the Police station.

Do not sent your Wife on her own (if she is shy of character and likely to get bullied into accepting whatever the Police state).

Push for 'no fault' (because the bike was being ridden illegally).

Push for your insurance to pay for both your damages and damages to the bike (if the want to push for that).

Do not accept to pay compensation as this can lead to further fault.

13 minutes ago, richard_smith237 said:

Many possibilities here...

Given your description:

a) You were at fault for the accident.

b) The motorcyclist was riding illegally.

Question: Do you have a fill Thai License ?

How this usually works in Thailand

- Insurance does not fully replace the police process

Even when insurers handle claims, the police still:

- record statements

- decide fault (or shared fault)

- close the case administratively

The “meeting” is often about closing the police file, not negotiating liability.

- You haven’t been summoned - but absence can be misread

If you simply don’t attend:

- It can look uncooperative or dismissive

- The other side may tell their version uncontested

- The police may “simplify” things by leaning on the car driver

This isn’t about justice so much as social harmony and paperwork.

- The rider being 15 and unlicensed matters - a lot (focus on this)

That puts the motorbike side in a weak legal position.

- Under Thai law, an unlicensed minor is automatically at fault

- Parents/guardians usually become involved

- Police generally want a calm resolution, not escalation

This works in your favour, but only if handled politely - and you need to be there with a 'calm' presence and someone who can translate well for you, while not being over subservient to the police.

Avoid accepting full blame - the motorcyclist was riding illegally.

Avoid compensation pay-out - which is likely the intention of the 'other party' (15 year and his family) - as that 'could' imply fault and open the door for further pay out.

Many foreigners will avoid this situation - personally, I'd be right in the middle of it ensuring fault for the other rider being on the road illegally did not come my way.

IF you have dash-cam footage - does it show the rider (possibly) speeding / on his phone etc ?

Ultimately - the outcome should be - Your insurance pays for your car (because another vehicle was involved - riding illegally) and pay for the damages to the motorcycle (even though it was ridden illegally).

The Police should charge the 15 year old / his family for riding unlicensed (but rarely do and thats unlikely).

What might happen - is Police want to take the path of least resistance - see you pay the boy a couple of thousand baht to fix his motorcycle, your insurance may or may not agree to cover your damages and everyone wai's and walks away smiling - path of least resistance.

Ensure the insurance agent is with you at the Police station.

Do not sent your Wife on her own (if she is shy of character and likely to get bullied into accepting whatever the Police state).

Push for 'no fault' (because the bike was being ridden illegally).

Push for your insurance to pay for both your damages and damages to the bike (if the want to push for that).

Do not accept to pay compensation as this can lead to further fault.

Thank you for taking the time to post that excellent response.

23 minutes ago, hotandsticky said:

Thank you for taking the time to post that excellent response.

I was in very similar circumstances years ago...

Except it was an unlicensed, uninsured Mini-Van driver, operating a bus-route illegally who overtook me while I was turning right.

I was making the turn and thus was in error.

He was overtaking illegally (near a junction) - passing a vehicle with indicators on - and illegal.

Police first sided with the other driver, until they realised I was stubborn (but remaining very polite).

At the Police station they were unsure what to do as I was refusing to accept fault.

The other guy had paid them off (his boss arrived with money - witnessed first hand by me).

Ultimately - they decided 50/50 - I was satisfied, just so long as I was not taking any fault for the mini-van driver who'd behaved like a twit, claimed false injuries etc and smelled compensation claims in the pipeline.

Your situation seems a little more clear - Police just want the path of least resistance.

And at the moment - thats likely to be 'blame the parents and the son' for his riding illegally.

You offer a little money out of 'naam jai' (which is the cultural norm - perhaps about 2000 baht).

You ensure your Level 2+ insurance covers damages to your car (as it was another illegal vehicle involved - theoretically not your fault 'an unlicensed rider' was on the road).

Will be interested to see what the actual outcome is.

22 minutes ago, richard_smith237 said:

I was in very similar circumstances years ago...

Except it was an unlicensed, uninsured Mini-Van driver, operating a bus-route illegally who overtook me while I was turning right.

I was making the turn and thus was in error.

He was overtaking illegally (near a junction) - passing a vehicle with indicators on - and illegal.

Police first sided with the other driver, until they realised I was stubborn (but remaining very polite).

At the Police station they were unsure what to do as I was refusing to accept fault.

The other guy had paid them off (his boss arrived with money - witnessed first hand by me).

Ultimately - they decided 50/50 - I was satisfied, just so long as I was not taking any fault for the mini-van driver who'd behaved like a twit, claimed false injuries etc and smelled compensation claims in the pipeline.

Your situation seems a little more clear - Police just want the path of least resistance.

And at the moment - thats likely to be 'blame the parents and the son' for his riding illegally.

You offer a little money out of 'naam jai' (which is the cultural norm - perhaps about 2000 baht).

You ensure your Level 2+ insurance covers damages to your car (as it was another illegal vehicle involved - theoretically not your fault 'an unlicensed rider' was on the road).

Will be interested to see what the actual outcome is.

Whilst I did nothing illegal, it is not. a manoeuvre that I would do again. I was undertaking a U-turn that was almost dead opposite where we were parked, across 3 lanes. I waited sometime for the road to clear before indicating and slowly moving across to follow a motorbike that was using the U-turn lane. I simply did not see the boy until he struck my front wing (in the third outside lane). I suspect he was driving quickly but because I didn't see him I can't say that with any certainty.

I have run it through my mind a hundred times to see how I could have avoided the accident......but because I didn't see him the only solution would have been to drive 1km to the next U-turn (something I will do if I am at that place again).

I was totally legal, I have held a full Thai licence for almost 20 years and I have the best insurance I could get for, what is, our second car. I understand the legal position and it has been confirmed that 'fault' rests with the unlicenced and therefore, uninsured minor. Quite simply he should not have been there. Equally, I know that is almost as fatuous as the argument that if the Farang had not come to Thailand the accident would not have happened....it has been said many times.

Your comments about the social/cultural side are very appropriate - but I will not be held to ransom and will not entertain any compensation claim.

Please don't think that I don't accept responsibility for my part in the accident - but that is why I buy good insurance. I will have an excess to pay and the no claims bonus will be gone

The most important part is that the 15 year old, and his 13 year old girlfriend did not suffer any life threatening injuries.

The fact the boy is 15 without a licence is not relevant because the accident was your fault, you didn't see the motorbike.

The meeting at the police station is usually to discuss blame and compensation.

At the very least you should pay the boy's motorbike damage and hospital bill.

Maybe you're insurance company will pay it, but if they don't, you should. It is a question of what is morally right.

11 minutes ago, JBChiangRai said:

The fact the boy is 15 without a licence is not relevant because the accident was your fault, you didn't see the motorbike.

The meeting at the police station is usually to discuss blame and compensation.

At the very least you should pay the boy's motorbike damage and hospital bill.

Maybe you're insurance company will pay it, but if they don't, you should. It is a question of what is morally right.

You don't seem to know much about Thai law.

The boy's illegal status is totally relevant.

The reason we take out insurance is to cover accidents like this......so I also expect that the insurers will cover his costs.

6 minutes ago, hotandsticky said:

You don't seem to know much about Thai law.

The boy's illegal status is totally relevant.

The reason we take out insurance is to cover accidents like this......so I also expect that the insurers will cover his costs.

My experience here is that Thai courts don't follow the law. They look for compromise and moral solutions. If this escalates to court, you will be found responsible. I have direct experience of that, if you want to know, I'm happy to tell you.

Whether the boy has a licence makes no difference to the moral responsibility you bear for causing the accident. Let's be clear, you were negligent. You made a risky maneuver, and you failed to see a road user. You caused damage to property and sent two people to hospital. You are now trying to hide behind "but he doesn't have a licence".

Why do you think you are not responsible?

I have attended one of these police meetings. I was there representing a friend who caused and died in a motorbike accident. I paid 10,000 THB out of the deceased estate because it was the right thing to do. The purpose of the meeting is to apportion blame and discuss compensation. The police are going to blame you; you caused the accident. The other party's costs are repairs to a motorbike and hospital bills. You should pay those. They will probably ask for more, you don't need to pay that. You should take Roojai to the meeting as you're going to hope they will pay this, but if they don't, then you must.

I used to volunteer as a magistrate. What we look for in cases like this is whether the victim contributed to the accident or the amount of losses. Would the victim holding a full licence make any difference, you know the answer is no. Did the victim do something that contributed to the level of damages? eg was there a head injury and he wasn't wearing a helmet? If so then he would bear some responsibility.

You know what is right in this case.

You are looking for excuses to shirk your responsibility. Man up and do what's right. I am fairly sure the police are going to make you do that anyway.

21 minutes ago, JBChiangRai said:

My experience here is that Thai courts don't follow the law. They look for compromise and moral solutions. If this escalates to court, you will be found responsible. I have direct experience of that, if you want to know, I'm happy to tell you.

Whether the boy has a licence makes no difference to the moral responsibility you bear for causing the accident. Let's be clear, you were negligent. You made a risky maneuver, and you failed to see a road user. You caused damage to property and sent two people to hospital. You are now trying to hide behind "but he doesn't have a licence".

Why do you think you are not responsible?

I have attended one of these police meetings. I was there representing a friend who caused and died in a motorbike accident. I paid 10,000 THB out of the deceased estate because it was the right thing to do. The purpose of the meeting is to apportion blame and discuss compensation. The police are going to blame you; you caused the accident. The other party's costs are repairs to a motorbike and hospital bills. You should pay those. They will probably ask for more, you don't need to pay that. You should take Roojai to the meeting as you're going to hope they will pay this, but if they don't, then you must.

I used to volunteer as a magistrate. What we look for in cases like this is whether the victim contributed to the accident or the amount of losses. Would the victim holding a full licence make any difference, you know the answer is no. Did the victim do something that contributed to the level of damages? eg was there a head injury and he wasn't wearing a helmet? If so then he would bear some responsibility.

You know what is right in this case.

You are looking for excuses to shirk your responsibility. Man up and do what's right. I am fairly sure the police are going to make you do that anyway.

If you had read previous comments properly, and understood them, you would understand that I am not shirking from anything - and I have admitted my part in the accident. I should have seen the motorcyclist and I have re-run the incident dozens of times to fathom out why.

I repeat, that is why I spend money on good insurance which will hopefully see the boy's family recompensed for their costs. Hopefully the police will not prosecute the boy for not having a licence.

12 hours ago, hotandsticky said:

. I understand the legal position and it has been confirmed that 'fault' rests with the unlicenced and therefore, uninsured minor. Quite simply he should not have been there. Equally, I know that is almost as fatuous as the argument that if the Farang had not come to Thailand the accident would not have happened....it has been said many times.

Your comments about the social/cultural side are very appropriate - but I will not be held to ransom and will not entertain any compensation claim.

You absolutely are trying to shirk your responsibilities and @richard_smith237 is quite wrong saying the fault rests with the unlicensed rider. His lack of licence did not contribute in any way to the accident or the severity of the accident.

The police probably won't even mention that at the mediation meeting and if you do, they will tell you it's irrelevant and "This is Thailand". The legal term we use is de minimis non curat lex, "normalised illegality", authorities choose not to enforce licences here.

You owe all reasonable out of pocket expenses incurred by the accident you caused. If the boy had been killed you would be charged to the full extent of the law.

As a father here, I would be incensed if it was my child and your attitude is "(I) will not entertain any compensation claim".

I do think it important that you take Roojai to that meeting, you do also need to go yourself and it's important that in accepting to pay any compensation you ask Roojai "do you agree", you don't want them to turn round and say you offered unnecessary compensation.

The way these police meetings work is the police will determine blame (they will blame you), the boy's family will ask for compensation to repair the motorbike and hospital bills, they may ask for more. The police will act as mediators. If the boy doesn't agree to your offer, his family will insist you are prosecuted for an offence (UK equivalent would be driving without due care and attention, causing damage and injury through same). The police will prosecute you unless you satisfy the boy and his parents (this is the whole point of the meeting) and then the court will decide the compensation and you can add another 30-100,000 THB for legal fees.

I caused an accident I could have walked away from any responsibility. I pulled part way out of a junction and stopped sharply because I saw a scooter approaching, I had missed seeing it moments before. The rider panicked, yanked on the brakes and went down like a sack of potatoes. Her scooter slid down the road and stopped a few yards before it reached my car. I paid her about 13,000 baht for treatment at the hospital and to repair her motorbike (she was a nurse returning from her shift). Maybe she had a licence, maybe she didn't. I didn't ask because it didn't contribute to the accident and was irrelevant. I had first class insurance on the car, but I paid her out of my pocket and I didn't want the police involved. I could have told her that if her motorbike stopped before reaching my car, then she could have using her brakes. But I would have been morally wrong, I did cause that accident.

Let the Roojai ins. rep handle everything. That's why you have insurance. Unlicensed scooter driver will probably by a moot subject, and may save Roojai a few baht from what ever they want for compensation.

Were you cited the day of the accident ? Though probably also a moot subject.

Had an oops, my fault, and with Roojai, which were excellent. Everything done within a couple hours, but didn't have to wait for anyone to be treated at hospital. No compensation for any pain or suffering or lost wages, use of vehicle.

Their insurance paid their 'cost', reimbursed by Roojai, I would think, and Roojai paid ours. I was cited & paid 400 baht fine.

Some points

1) If the motorbike driver had no licence, then he should not have been driving and the accident would not have happened

2) Why was he driving in the 3rd outer carriageway, when not planning to U turn, and should have been in one of the inside lanes?

3) I believe the compulsory insurance pays medical expenses of up to 80,000bt per person, whether or not the driver has a licence. If no compulsory insurance, then that's another matter..A third party (the car driver &/or Roojai) should not have to pay for their negligence

13 minutes ago, prakhonchai nick said:

Some points

1) If the motorbike driver had no licence, then he should not have been driving and the accident would not have happened

2) Why was he driving in the 3rd outer carriageway, when not planning to U turn, and should have been in one of the inside lanes?

3) I believe the compulsory insurance pays medical expenses of up to 80,000bt per person, whether or not the driver has a licence. If no compulsory insurance, then that's another matter..A third party (the car driver &/or Roojai) should not have to pay for their negligence

Gov min pays 30kbht max medical fees with no questions of legality.

Private insurance won't be obliged to pay if any illegality is suspected, but might pay a 'goodwill' payment.

2 hours ago, KhunLA said:

Let the Roojai ins. rep handle everything. That's why you have insurance. Unlicensed scooter driver will probably by a moot subject, and may save Roojai a few baht from what ever they want for compensation.

Were you cited the day of the accident ? Though probably also a moot subject.

Had an oops, my fault, and with Roojai, which were excellent. Everything done within a couple hours, but didn't have to wait for anyone to be treated at hospital. No compensation for any pain or suffering or lost wages, use of vehicle.

Their insurance paid their 'cost', reimbursed by Roojai, I would think, and Roojai paid ours. I was cited & paid 400 baht fine.

No 'citation'. Chatted with police at the scene, copied my documents and took photographs.

50 minutes ago, hotandsticky said:

No 'citation'. Chatted with police at the scene, copied my documents and took photographs.

My oops was almost exactly the same as yours, except for coming from a parking spot, I came out of a side street, and the U-turn was about 50m up the hwy from the side street. Thankfully it wasn't a scooter and no injuries, although the car took a pretty good hit and was down for about 5 weeks.

Did get cited, as the officer stated, pretty much any accident with 150m of side street, would be that person exiting from, not giving folks enough time to see & stop. Well deserved citation after looking at vid, and damn embarrassing. Lucky it wasn't worse, as I made it over to the 3rd, fast lane, before getting hit.

As stated earlier, Roojai was excellent. Good Luck

59 minutes ago, prakhonchai nick said:

Some points

1) If the motorbike driver had no licence, then he should not have been driving and the accident would not have happened

2) Why was he driving in the 3rd outer carriageway, when not planning to U turn, and should have been in one of the inside lanes?

3) I believe the compulsory insurance pays medical expenses of up to 80,000bt per person, whether or not the driver has a licence. If no compulsory insurance, then that's another matter..A third party (the car driver &/or Roojai) should not have to pay for their negligence

Point 1 is true but it doesn’t affect liability, the test is whether having a licence would have made a difference. Clearly it wouldn’t and no blame can be attached to the boy’s actions.

Point 2 is difficult to say. If he was in the nearside lane and saw the OP pull out, he would likely have tracked over to the right hoping to clear him. We all do that.

Motorcycle compulsory insurance covers up to 30,000 THB in medical bills or pays the full amount on death. Not having a licence probably voids that.

The fact is you can’t go around and “at-fault” hitting kids on motorcycles and say I’m not paying anything because you don’t have a licence.

The police’s job is to determine liability and mediate in a solution. If the two parties can’t reach an agreement, the police will be asked to prosecute by the boy’s parents so the court can decide and they will probably have to do that. The boy’s parents can also bring a private prosecution if they wish.

IMHO, a fair solution is the OP pays to repair the motorbike and all medical bills (including EMS attendance). I don’t think he should pay anything for pain and suffering but the boy and his family shouldn’t be out of pocket. This is regardless of whether Roojai reimburse him.

Many of us have children here and if someone pulls out without looking/seeing and injures them, we would expect all costs to be covered.

I have used Roojai for years, I’ve never made a claim.

I think they’re an excellent company apart from their much touted but non-existent No Claims Bonuses.

2 hours ago, JBChiangRai said:

Point 1 is true but it doesn’t affect liability, the test is whether having a licence would have made a difference. Clearly it wouldn’t and no blame can be attached to the boy’s actions.

Point 2 is difficult to say. If he was in the nearside lane and saw the OP pull out, he would likely have tracked over to the right hoping to clear him. We all do that.

Motorcycle compulsory insurance covers up to 30,000 THB in medical bills or pays the full amount on death. Not having a licence probably voids that.

The fact is you can’t go around and “at-fault” hitting kids on motorcycles and say I’m not paying anything because you don’t have a licence.

The police’s job is to determine liability and mediate in a solution. If the two parties can’t reach an agreement, the police will be asked to prosecute by the boy’s parents so the court can decide and they will probably have to do that. The boy’s parents can also bring a private prosecution if they wish.

IMHO, a fair solution is the OP pays to repair the motorbike and all medical bills (including EMS attendance). I don’t think he should pay anything for pain and suffering but the boy and his family shouldn’t be out of pocket. This is regardless of whether Roojai reimburse him.

Many of us have children here and if someone pulls out without looking/seeing and injures them, we would expect all costs to be covered.

A much better balanced response and whilst I have no intention of trying to justify myself on here we will see what happens tomorrow.

At the end of the day the boy can be prosecuted and fined 1,000 Baht or imprisoned for one month - we don't want that. He has also verbally stated that he was driving in lane 3.

If I am deemed to be responsible I am more than happy to hold my hand up; by virtue of me being there and not seeing the boy. I am not proud of my involvement and (as a result of the accident) will not undertake that manoeuvre again - despite having often done it often without incident. This time we had an accident. I did nothing illegal and as the officer at the scene pointed out, the U-turns in town are dangerous and they are regularly called to such accidents - ours was apparently the third that day. Sadly, most are around the time of schools leaving.

My point is that I take out insurance to cover such situations and I will not tolerate any attempt of a third party trying to make money because a Farang is involved. My actions result in a 5,000 Baht excess and loss of no claims bonus - I fully accept that.

Please don't pontificate about children, we all have them, and no one wants to see any harm befall them. As a parent I would not allow any kids on a motorbike with a proper licence and insurance; if you want to start making moral judgements then point your finger at the boys parents. As someone pointed out, he shouldn't have been there. Hopefully, the insurers will deal with the claim fairly and cover mechanical and hospital costs for the third party.

I hope you post a follow up, I’d like to see how it turns out.

20 minutes ago, JBChiangRai said:

I hope you post a follow up, I’d like to see how it turns out.

I intend to that........however it works out for me.

Please bear in mind that I am likely to be the only English speaker at the 'meeting'.........all I can therefore recount is what I understand from what I see/sense or am told.

I think threads like this can be a help to members who find themselves in similar situations.

2 hours ago, hotandsticky said:

I think threads like this can be a help to members who find themselves in similar situations.

I agree, and as an observer appreciate you sharing you experience.

On 2/10/2026 at 11:13 PM, josephbloggs said:

I agree, and as an observer appreciate you sharing you experience.

Nothing much to report after a 4 hour visit to the local police station. I was very much a spare part. only being to sign copies of DL and PP and the Roojai surveyors report.

I understand that the third party did not have all the documents the Roojai man required so we may have to return next week to close off the police case.

The good news is that Roojai seem to be processing the third party claim, so they should recover hospital and bike repair costs.

If anything of interest transpires next week I will report back.