Insurance Company Responsible?

[ALFREDO]

I drive a now nearly 7 year old Ford Ranger. When the car was about 1 year young I had an accident the Bus fled the scene, but as I have first class Insurance, they payed the repairs, new spraying in Chayaphum city.

But my Insurance company AIA? ordered me to use a specific repair shop.

That people did a bad job, since nearly 3 years the paint trys to come down on some places, I hold the paint on with Super Glue.

All only on the drivers side of the car, where the accident happened.

I had 1-2 years later a similar accident on the other side of the car, on this side, a company in Khon Kaen did the job, everything is fine, no problem with the paint!

Can I blame now the Insurance company and let them take care again of the bad work?

I called my agent-no answer until now.

Or, I have to have an accident on that side again, can happen, no?

[stingray]

U can't sue anyone about this. U signed the papers, when you received the car from the repairshop. And noone ever gives warranty on paintwork, as it's cheap already.

It's common that insurance claim getting cheaply repaired. But 3 years isn't bad. I saw "insurancepaintjobs" getting bad after 6 months. The best is to respray it by someone else, it isn't expensive anyway, maybe a couple grands, depend on how big is it.

[ALFREDO]

Thanks for your advise.

I will talk in the responsible Chayaphum office when I pass by there. I want to hear what they say.

I can also drive a corner to tight, than its an accident. Accidents can happen.

[katabeachbum]

Thanks for your advise.

I will talk in the responsible Chayaphum office when I pass by there. I want to hear what they say.

I can also drive a corner to tight, than its an accident. Accidents can happen.

I think its better you have this accident before talking to your insurancecompany

[katabeachbum]

U can't sue anyone about this. U signed the papers, when you received the car from the repairshop. And noone ever gives warranty on paintwork, as it's cheap already.

It's common that insurance claim getting cheaply repaired. But 3 years isn't bad. I saw "insurancepaintjobs" getting bad after 6 months. The best is to respray it by someone else, it isn't expensive anyway, maybe a couple grands, depend on how big is it.

Toyota gives one year warranty on their repairs. Price more than double of somchai, but impressive quality. most parts, like hood, trunklid, fender widener etc to be repaired are removed from car and then sprayed, as directed by Japan.

Most insurance companies dont want to pay for this quality, so I have to make sure its included in the insurance and make sure the insurance company has credit at toyota garages

[stingray]

Thanks for your advise.

I will talk in the responsible Chayaphum office when I pass by there. I want to hear what they say.

I can also drive a corner to tight, than its an accident. Accidents can happen.

Yes, you can, but is it worth? You penalize your self as you stay without car for how long? The insurance will repair the damage, but they dont give you a car during the repair time and they don't pay for a rental as well, so you "shot your self in your fot". Don't forget, repair can take several weeks if they want hive you a bad time.

[ALFREDO]

No car for some time, no problem, I can use a friends car meanwhile.

You can say, as the paint trys to come down on four different places, that the whole driver side has to be repainted-spraeyed.

Thats not cheap I think and the problem comes from the company who did the work and my insurer ordered me to do the repair there!

Now I shall let them of the hook? Than I could have payed the repair of that accident years ago myself and it would probably be ok.

Thats just not ok!

Edited April 10, 2010 by ALFREDO

[stingray]

No car for some time, no problem, I can use a friends car meanwhile.

You can say, as the paint trys to come down on four different places, that the whole driver side has to be repainted-spraeyed.

Thats not cheap I think and the problem comes from the company who did the work and my insurer ordered me to do the repair there!

Now I shall let them of the hook? Than I could have payed the repair of that accident years ago myself and it would probably be ok.

Thats just not ok!

There are much worster "scenarios" with insurance companies than your case. Go in a paintshop and do it by your self. I don't think it gonna cost more than 8 grand (maybe less) for respray the whole side. so it's really not worth to hassle with the insuracne company arround.

[ALFREDO]

-STINGRAY-

I do not like wrongdoings specialy not against me, so I look for revanche, I will have a chat with them and than we see and I decide my move,

my car has first class insurance there since 7 years so has also my house and maybe more is running with them, have to ask GF.

But thanks for your advise.

Edited May 14, 2010 by ALFREDO

[stingray]

-STINGRAY-

I do not like wrongdoings specialy not against me, so I look for revanche, I will have a chat with them and than we see and I decide my move,

my car has first class insurance there since 7 years so has also my house and maybe more is running with them, have to ask GF.

But thanks for your advise.

Look, take it easy. I lost much more than you in this country and we can't change the sistem. It is like this. TIT.

We sell used cars! There was a heavy caraccident, back in 2002, corner Theprasit Sukhumvit Rd, Pattaya and one off the pick ups who was involved, ended up in my caryard, totalled one car compleatelly and damaged 2 other cars heavly including my office. Over half milion baht was gone. Therefore i moved away from my former location, corner Thepprasit, Sukhumvit Road. Do you think i ever got a penny from their insurance? The insurance offered me 30'k (for a half million Baht damage) or if i want more they told me to go to court. After that i found out how is it to living in Thailand. Beleve me i was so angry that i want to blow up their office. But it is not worth it.

The same is with our rental cars. Customers have accident. Yes insurance pay the damage and i take customers deposit for the lost time during repairs. But who pays for the higher cost of my car insurance next year, ( bonus malus system, because my isnurance goes up next year when have accident).

Thinsgs are very different overhere in LOS. Lifes goes on and if a could turn the time back to 1994, i would never come here. But now it's difficult for me to go back to Swizerland and try a new start.

Edited May 14, 2010 by stingray

[kartman]

I don't understand why are you now trying to get 'Revenge" 3 years after you realised the paintjob was faulty 6years after the origional accident?, i would have thought 2007/2550 would have been the time to do something about it.

[monty]

Actually most insurance companies offer an option on the first class coverage which only allows them to bring the car into an original dealership for repairs / paint jobs.

Costs a few thousand/year extra though.

Without this extra, the car will get repaired at Somchai's roadside paint shop

[stingray]

Actually most insurance companies offer an option on the first class coverage which only allows them to bring the car into an original dealership for repairs / paint jobs.

Costs a few thousand/year extra though.

Without this extra, the car will get repaired at Somchai's roadside paint shop

Doesn't matter if it's a original dealership or Somchais Paintshop/ They all using the same Bondo, fliler, and paint. Sometime the original dealerships take the job, but not dong by them self, just forward the job to Somchai and when car is ready they get it back to return to the customer.

[ALFREDO]

I do not know, but I was told, I have to do it at that repair company. Nobody told me about another possibility. TIT.

Why I not try to talk years ago with my Insurance company? -Because it started slowly and I could first live with the bad paint job, but over the years it started on more places-the colour trys to get loose and in short will come loose, will go. I fix it with Super glue.

I think, I am a good customer, so why not ask the Insurer to try to keep me as a good customer? We see.

-Stingray- I can understand you, Switzerland is a wonderful country, with funny people-I like the Swiss, I love to ride Motobike there, a Toeff as you say in der Schweiz-I am Austrian.

And if I could turn back time-Oh my God, I would make all different!

Maybe PM me your Add. possible I come to you-you never know when you need a car.

[kartman]

I'm trying to visualize you turning up with the paintwork held together by superglue 6 years later and saying its their fault i just think it may raise blank look.

[ALFREDO]

Yes and what? They should be ashamed!

I had about 1,5 years after the first incident an accident regarding the other side of the car, lefthandside and it was also painted-sprayed complete side.

From another company of course in Khon Kaen but also a partner-repairshop of my insurer and? You cannot see anything on that side, that job was done as he should have been done also on the right hand driver side!

How more can you show the insurer that there was a faulty job done!

By the way, my Ex GF has already called the insurance company and the employer who gets the provision and they want to see the problem and was what said on the phone sounds positive. So we will see, I keep you posted.

Not forget we are in TH, and some years ago my dogs chewed some cables under my car and severd them, my ABS system stopped to work, some new parts had to be brought in. The insurance agent-bribed made an accident out of that dilemma, TIT !

I do not understand, some of you do never complain? Also when the Garantie is long finished, there is always a possibility that your businesspartner-insurance company or else, wants to keep a longtime customer happy and than can be things done which are not written down in paragraphs!

Edited May 16, 2010 by ALFREDO