5 hours ago, Celsius said:

They all have one thing in common 💋

Yep, Can't Fix Stupid.

5 hours ago, Rockyroad said:

They keep coming and doing stupid things. Random stranger, no helmet. Fmp fools.

Yes. I was thinking she made, that day, a long succession of serious wrong turns that day.

Don't these people read books about history and probability theory?

What about insurance actuarial tables?

Don't kids pay attention while reading these mortality tables?

The only question I had, after reading her story, was whether or not the 20-year-old raped her...

Before fleeing, leaving her uncounscious and completely vulnerable.

So many times, these bad outcomes can be prevented by responisble forethought1.

So, has she left a description of the culprit with the police?

Has she completed her composite drawing?

And, where is it?

I want to see a drawing of this guy, and his tattoos.

Brit Backpacker Hurt in Crash Faces Large Bill

It's a good time now toget the Govment to charge all people/tourists who enter Los to pay Thb 300 so that that will cover the insurance for the tourists.

Than people can stop their Go Fund Begging for money.

As of early 2026, Thailand is planning to implement a 300-baht (approx. $9 USD) entry fee for foreign tourists arriving by air, with a potential 150-baht fee for land/sea arrivals, aimed at supporting tourism infrastructure and visitor insurance. While finalized details are pending, this fee is expected to be introduced in mid-2026. [1, 2, 3, 4]

Brit Backpacker Hurt in Crash Faces Large Bill

It's a good time now toget the Govment to charge all people/tourists who enter Los to pay Thb 300 so that that will cover the insurance for the tourists.

Than people can stop their Go Fund Begging for money.

As of early 2026, Thailand is planning to implement a 300-baht (approx. $9 USD) entry fee for foreign tourists arriving by air, with a potential 150-baht fee for land/sea arrivals, aimed at supporting tourism infrastructure and visitor insurance. While finalized details are pending, this fee is expected to be introduced in mid-2026. [1, 2, 3, 4]

If you think they're going to offer meaningful insurance for $9, you're in for a rude awakening. They plan to use the money to plug the gaps when tourists are unwilling or unable to pay the hospitals. It's nowhere near "insurance".

26 minutes ago, impulse said:

If you think they're going to offer meaningful insurance for $9, you're in for a rude awakening. They plan to use the money to plug the gaps when tourists are unwilling or unable to pay the hospitals. It's nowhere near "insurance".

There are millions off people coming to Los so you think that they can't pay the hospitals for a couple tourists that get hurt.

Sure they can and have Millions of Thb left over

I'm sure she has British accident insurance. These companies specialize in ripping off their customers. I advise the lady to contact the Ombudsman in the UK.

Another Backpacker Begpacker, and soon there will be be a go-fund-me to prove this.  Usual Brit suspect.

I feel sorry for the lass, but no insurance, no helmet, and jumping on the back of a motorbike being aimed by a 20 year old testosterone fuelled lad, who may well have been in a state of altered consciousness after a full moon party, is quite a list of erroneous decisions.

Hope she soon recovers and learns some lessons from the experience.

16 minutes ago, 241195_1469957797 said:

I'm sure she has British accident insurance. These companies specialize in ripping off their customers. I advise the lady to contact the Ombudsman in the UK.

Why are you sure she has accident insurance; the article states quite clearly that her insurance had expired, and even if it was within a valid date frame, most policies would be invalidated by riding or riding pillion on any motorcycle sans helmet.

4 hours ago, phil2407 said:

So understandable if driving the scooter without licence & exceeded the 31 days insurance coverage but was a passenger (by a coward that just left her)

If you're on a motorbike taxi & they crash does your travel insurance cover you for that as some of the drivers have 0 liability insurance or again refused?

It probably changes with different policies but mine years ago was if you are on a licenced motorcycle taxi your insurance will cover you

6 hours ago, Celsius said:

They all have one thing in common 💋

Your confusing that with the standard drug smuggling influencers lip pout.

Not much sympathy for these people. 175,000 baht for a broken leg and some scrapes seems excessive but that's private hospitals, they'll charge what they want if you don't negotiate

5 hours ago, phil2407 said:

So understandable if driving the scooter without licence & exceeded the 31 days insurance coverage but was a passenger (by a coward that just left her)

If you're on a motorbike taxi & they crash does your travel insurance cover you for that as some of the drivers have 0 liability insurance or again refused?

The details of her insurance policy were not made clear; the only thing I can think of, is that she has one of the annual policies that cover you for a whole year, but the terms are that no single trip is to exceed 31 days, and that she has exceeded those terms, which she should have been aware of.

23 minutes ago, Eloquent pilgrim said:

I feel sorry for the lass, but no insurance, no helmet, and jumping on the back of a motorbike being aimed by a 20 year old testosterone fuelled lad, who may well have been in a state of altered consciousness after a full moon party, is quite a list of erroneous decisions.

Hope she soon recovers and learns some lessons from the experience.

Indeed- a harsh lesson learned in a nasty way

I hope she recovers soon from this nasty experience

11 minutes ago, Wongkitlo said:

It probably changes with different policies but mine years ago was if you are on a licenced motorcycle taxi your insurance will cover you

Yes, agreed, but her policy had expired, so you cannot expect the insurance company to be responsible; also don't we know if the motorcycle she was on was licensed and she wasn't wearing a helmet, which invalidates most policies even if they are in valid date

16 minutes ago, Wongkitlo said:

It probably changes with different policies but mine years ago was if you are on a licenced motorcycle taxi your insurance will cover you

Question: What is a "licensed motorcycle taxi" in Thailand?

Answer: Non existent.

Broken knee and full cast in Taiwan, at National Taiwan University Hospital, no more than USD100

So, I do not understand these costs in Thailand.

Makes no sense to me.

Taiwan University Hospital is one of the best in Asia.

Taiwan healthcare is excellent.

easy to find out the driver if he fled and left motorbike behind

5 hours ago, phil2407 said:

So understandable if driving the scooter without licence & exceeded the 31 days insurance coverage but was a passenger (by a coward that just left her)

If you're on a motorbike taxi & they crash does your travel insurance cover you for that as some of the drivers have 0 liability insurance or again refused?

A very very small amount of tourists would be covered whilst on a motorcycle involved in an accident, be that riding, pillion or m/c taxi

I have a certain amount of pity for her, or anyone who gets injured. However, she should have read the fine print on her travel insurance policy. And it’s just downright dumb to not know the start and expiration dates of her policy.

If I plan to go alpine skiing while on vacation I have to get special travel insurance as almost all TI policies exclude that. Lots of sports and activities are often excluded. Always read the fine print.

7 hours ago, Rockyroad said:

Haad Rin was the nicest beach there pre fmp.

There was nobody and nothing there – Haad Rin and Sunrise Beach – before a group of hippies decided to get there in a longtail boat to celebrate Joe's 21st birthday, as the police in Lamai became too interested in their mushroom shakes. They brought guitars and made bonfires, and slept on the beach until next day. It was such a cool party that they decided to repeat at next full Moon – there have done that ever since...😎

No way medical expenses for her type of injuries would have cost that much at a government hospital.

7 hours ago, Georgealbert said:

Although she had taken out insurance before travelling, she said the policy became invalid because she had exceeded the 31-day maximum limit allowed for a single trip under the terms and conditions.

Sad story – very sad indeed – it show that you shall not neglect to have a proper insurance, including checking validity and what's written in small text, often it's exceptions. Too many seems to forget that and use "goFundMe" instead.

Hope she recovers quickly.

As for the disgusting Cad, who left her in the road.

I hope someone knows who his is, and lets the uk tabloids know his face and name.

Normally I have little sympathy for the 'Go fund me tourists', but this lady was unlucky. If I've understood correctly, her insurance had not expired, but in the small print there was a limit on the maximum length of stay for any one trip - that's easy to miss.

And the rider running away was despicable.

And while a seasoned ex pat without health insurance could check themselves out of hospital and recover in a cheap hotel, a British tourist is going to follow the instructions of the doctor and let the bills mount up, as that's the NHS way.

And I bet most of us have done dumber things in our youth than accept a ride on a scooter.

1 hour ago, 241195_1469957797 said:

I'm sure she has British accident insurance. These companies specialize in ripping off their customers. I advise the lady to contact the Ombudsman in the UK.

If she had no helmet or the driver was unlicensed, speeding or was intoxicated or drug infused, she would not have qualified anyway, and I'd be 100% sure no insurance company would pay up. The driver fleeing the scene is probably sufficient in itself to wave any right to an insurance claim.

10 minutes ago, Kinnock said:

Normally I have little sympathy for the 'Go fund me tourists', but this lady was unlucky. If I've understood correctly, her insurance had not expired, but in the small print there was a limit on the maximum length of stay for any one trip - that's easy to miss.

And the rider running away was despicable.

And while a seasoned ex pat without health insurance could check themselves out of hospital and recover in a cheap hotel, a British tourist is going to follow the instructions of the doctor and let the bills mount up, as that's the NHS way.

And I bet most of us have done dumber things in our youth than accept a ride on a scooter.

Good to see empathy and reasonable thinking here, thanks.

7 minutes ago, Spock said:

If she had no helmet or the driver was unlicensed, speeding or was intoxicated or drug infused, she would not have qualified anyway, and I'd be 100% sure no insurance company would pay up. The driver fleeing the scene is probably sufficient in itself to wave any right to an insurance claim.

Incorrect. Many health insurance companies will pay out. Driver fleeing the scene would not be reason not to pay out for health or travel insurance.

55 minutes ago, 241195_1469957797 said:

I'm sure she has British accident insurance. These companies specialize in ripping off their customers. I advise the lady to contact the Ombudsman in the UK.

I agree about rip-off Britain but that'd be a waste of time.

Health insurance is often bundled with baggage loss and trip cancellation insurance etc., and usually restricts the validity to 30 days, in some cases 45, for any number of trips in a year.

They're aimed at the typical holiday maker and even respected companies offer them - in other countries as well. Although they often headline as '1 year insurance package', the 30 day per trip duration is usually on the first page, not hidden in T+Cs. I believe that's illegal.

My credit card health insurance covers me explicitly for any number of trips up to 90 days. (It does pay as well, have used it.)

Anything over 90 days, which happens once a year, I get comprehensive health cover from a respected company to cover me for the entire duration - you can't sort of tack it on at the end of the 90 day CC coverage. (Has also paid out.)

I sometimes wonder how people who don't even understand the validity of their own health insurance even find their departure airport.

Still, I feel sorry for what happened to her with her FMP beau turning out to be such a disgusting slime bag. Probably had a few beers, but had no license, no experience, and no backbone either.

Guess that's another of the things you have to learn to navigate when you're traveling. Kudos to Chloe for adventuring out alone. Welcome to the university of life.

5 hours ago, smedly said:

once she got her foot sorted out (which it was) she should have gone to her hotel, typical Thai hospital milking cash, how many people have broken arms/legs etc and gone home once it gets plastered, granted not always like that but 90% are, so she got a black eye and a cracked cheek - go to your hotel and have a few days rest

The point is tme hospital will not let you leave until. you pay the bill.

Long term expats now have to pay upfront before tests even at government hocpitals because of foreigner's not paying medical bills.