I need some guidance, please.

I was driving in Bangkok and was involved in an accident with a motorcycle driver. Immediately after the accident, the motorcycle driver appeared to be fine — he was walking, speaking with the police, and did not seem to have any visible issues. However, I have since been informed that he later went to the hospital.

I have motor vehicle insurance, and I also understand that the Thai Government’s compulsory motor insurance (Por For Bor) covers injuries for both parties. I would be grateful if you could also provide me with further information on how the Por For Bor process works in practice, particularly in relation to medical claims and whether it should be the first avenue for compensation in this case.

The damage to my car was negligible, and the motorcycle may also be relatively undamaged.

From my understanding, in Thailand, for minor accidents involving injuries, insurers usually handle negotiations first. I am mindful that involving a lawyer immediately can sometimes escalate matters, although if the police report becomes disputed or the injury claim grows unexpectedly, legal advice may then be worthwhile.

My intention is to take a measured approach — ensuring that my insurer is fully informed, all documentation is in order, and that I wait for the medical findings before making any further decisions.

Would you agree that this is the most sensible course of action, or would you recommend taking any additional steps at this stage?

I would appreciate your advice on how best to proceed. Thank you.

Best regards,
MB

If it was me, I would just let your insurance company handle it. That is what you pay them for. Do you have a dash cam? I would strongly recommend getting one if you don't.

Who has contacted you since the accident?

Didnt yr insurance company attend the scene, as is standard practice when you inform them of an accident?

Yes insurance company attended the scene of the accident. They are dealing with it . I wanted independent advice

Edited May 2May 2 by aussiefaranginbkk

You have 3 posts in 14 years, and 2 of them today. And it is a strange post asking for a course of action when you have admitted the insurance company have it under control and are dealing with it. Maybe something else going on that you're not telling us. 🫣

Just now, aussiefaranginbkk said:

Yes insurance company attended the scene of the accident. I wanted independent advice

Did they deem who was at fault?

The Por Ror Bor Insurance covers only bodily injury, permanent disability, or death for all road accident victims (drivers, passengers, pedestrians), regardless of fault. It provides preliminary medical expenses up to THB 30,000–65,000, with maximum coverage up to THB 500,000 per person for permanent disability or death, but does not cover vehicle or property damage.

Edited May 2May 2 by Liquorice

Just now, couchpotato said:

You have 3 posts in 14 years, and 2 of them today. And it is a strange post asking for a course of action when you have admitted the insurance company have it under control and are dealing with it. Maybe something else going on that you're not telling us. 🫣

You're probably a conspiracy theorist. Not unusual for a man to post in his circumstances, stay calm

Just now, aussiefaranginbkk said:

I would appreciate your advice on how best to proceed. Thank you.

Best regards,
MB

Firstly - Fault ??? - were you at fault or the motorcyclist ?

Do you have dash-cam evidence ?

By know the police have likely ascertained fault / responsibility - ensure you are satisfied with the result - as they may often take the path of least resistance blame the 'wealthier party' knowing you can pay out, the motorcyclist can't (its not a 'foreigner thing - Thai drivers face the same approach).

If you are not at fault and sure you are not at fault - its perfectly acceptable to refuse to accept blame (if thats the direction its going in) - particularly IF the other party is going to claim injury and possibly compensation down the line - there as possibility (a strong one) he's already thinking monetary compensation - you being a foreigner might influence the motorcyclists decision further.

So - from the start - take a very polite, but very firm stance - you don't have to agree with what the police state if you don't want to - they deal with incidents every day and their only interest (usually) is to get this over and done with as quickly as possible.

Where you are also matters - if in BKK you will be treated fairly (most likely), if out in the boonies the Police might favour the local guy - or that seems to be the way things are.

With first class insurance - they deal with everything regarding damages and claims (as you've stated they area) - but be very careful to admit fault - for a compensation claim can come later - so IF you are certain you are not at fault - avoid accepting any fault - that might mean the compromise is 50/50 and you are only accepting fault for your 'half' of the incident (and no further complications can come your way).

So - first things first - Was it your fault ? Do you have Dash-cam footage ?

Edited May 2May 2 by richard_smith237

Just now, couchpotato said:

You have 3 posts in 14 years, and 2 of them today. And it is a strange post asking for a course of action when you have admitted the insurance company have it under control and are dealing with it. Maybe something else going on that you're not telling us. 🫣

Well, to be fair, the OP probably just reads the news and may read the comments and realised over the 14 years you quoted them being a member, that in almost every instance, a thread gets hijacked by the same dozen or so members abusing each other so he(?) doesn't see any reason to comment.
Maybe this time, he needs some sage, independent, advice and he turned to AN for it.

MY advice, far from it being "sage", is for @aussiefaranginbkk is to keep his(?) head down, and let the insurance company deal with it.
Don't approach the other party, even if invited to do so, and to forward any invitation, correspondence, email or other form of contact immediately to his(?) contact at his(?) insurance company, quoting the case number in the email subject line.

Thanks for the feedback. A mate recommended I post here. I didn't know whether this was pattaya, as thought it was just thailand.Tbh, I didnt even remember posting on this website before.

I am just seeking some independent advice.

Cheers

Edited May 2May 2 by aussiefaranginbkk