Motorcycle Insurance

[blackpanda]

on September 19 i had a motorcycle accident. i didn't want to spend the money going to the hospital for a bag of ice so i decided to stay home and sleep it off.

my CBR got messed up and wouldn't move so i took it to my local honda center and they adjusted my clutch. i didnt think much of it so i took the bike home and on my way home the bike started losing power and revving up with no power going to the rear wheel. i then took it back to the honda center and they keep it over night. the next morning they told me two of the clutch friction disk were messed up and i would need to replace the clutch disk and the springs. at that point i thought the bike was going to cost me an arm and a leg to get it fixed. i told them to just fix it. luckily i am on pretty good standing with my honda dealer and they gave me a discount. i ended up pay only 1300฿.

How much have anyone on these forum paid for a new clutch?

After fixing my bike i was told i look pretty beat up and a lot people advised me to go get checked out. i felt pretty bad to i took their advice and went to the hospital. at the hospital they took a few ex rays of my left hand and of my head. the results were that i didnt have anything broken only a few bruises. i had a big swollen left eye that looked like i got punched in the face. my left hand hasnt recovered yet and still bothers me to use it. my right thigh is yellow and purple. the doctor at the hospital told me that it would take me about a month to fully recover. he have me some medicine and sent me home. going to the hospital cost me 7,822฿.

i know i have motorcycle insurance but im not sure what it covers. does anyone know what the insurance covers?

[Garry]

i know i have motorcycle insurance but im not sure what it covers. does anyone know what the insurance covers?

You have to give us a bit more info than that.

What Insurance company are you with? Is it just 3rd party, 3rd party premium, full comphrehensive etc.

Your insurance documents should show this.

Edited September 28, 2011 by Garry

[thaicbr]

Jeeeze where do you live that they charge over 7,000b for that?

I had a fractured clavicle, 14 hrs unconscious. 3 days in hospital and it was about 4,000b.

Mind you that was the local government hospital. But something similar to yours was about 1,200b at a private hospital near bkk.

Fella you were robbed.

[ludditeman]

I had a new clutch in my m/c for about 900bht, your price not totally out of order.

Hospital bill, WAY OUT OF ORDER

See a specialist at private hospital 300-500bht

x-ray about 400-600bht

heavy duty pin killers 40-100 bht for 10 (I like Tamadol available from any pharmacy)

[blackpanda]

i know i have motorcycle insurance but im not sure what it covers. does anyone know what the insurance covers?

You have to give us a bit more info than that.

What Insurance company are you with? Is it just 3rd party, 3rd party premium, full comphrehensive etc.

Your insurance documents should show this.

im not really sure of what the details are on the insurance because i cant read thai. i got the insurance from the honda dealer

THE VIRIYAH INSURANCE COMPANY LIMITED

63,600.00

i guess it says 60% of what the bike is worth.

i wish i could read the thai so that i figure this out.

[blackpanda]

Jeeeze where do you live that they charge over 7,000b for that?

I had a fractured clavicle, 14 hrs unconscious. 3 days in hospital and it was about 4,000b.

Mind you that was the local government hospital. But something similar to yours was about 1,200b at a private hospital near bkk.

Fella you were robbed.

CHAO PHYA HOSPITAL PUBLIC COMPANY LIMITED.

in Pinklao

hand exray= 700฿

head exray=6,000฿ (MRI)

medication=629฿

plus the other hospital fees (120฿+60฿+13฿+700฿+300฿) brought it up to 7,822฿

Edited September 28, 2011 by blackpanda

[blackpanda]

I had a new clutch in my m/c for about 900bht, your price not totally out of order.

Hospital bill, WAY OUT OF ORDER

See a specialist at private hospital 300-500bht

x-ray about 400-600bht

heavy duty pin killers 40-100 bht for 10 (I like Tamadol available from any pharmacy)

i know i should have just sucked it up FML

next time im just going to the local pharmacy and getting some meds

[wana]

i know i have motorcycle insurance but im not sure what it covers. does anyone know what the insurance covers?

You have to give us a bit more info than that.

What Insurance company are you with? Is it just 3rd party, 3rd party premium, full comphrehensive etc.

Your insurance documents should show this.

im not really sure of what the details are on the insurance because i cant read thai. i got the insurance from the honda dealer

THE VIRIYAH INSURANCE COMPANY LIMITED

63,600.00

i guess it says 60% of what the bike is worth.

i wish i could read the thai so that i figure this out.

if you can take a picture of your policy conditions and post the image here ,i or someone else can translate it for you ,block out your name for privacy if you wish )

variayah usually pay 80% in the first year and 60% in the second year on a stolen bike

they should also cover you for at least 100,000-300-000k in medical bills unless you took the cheapest option possible and decided to pay the compulsary insurance to third parties only

[blackpanda]

i know i have motorcycle insurance but im not sure what it covers. does anyone know what the insurance covers?

You have to give us a bit more info than that.

What Insurance company are you with? Is it just 3rd party, 3rd party premium, full comphrehensive etc.

Your insurance documents should show this.

im not really sure of what the details are on the insurance because i cant read thai. i got the insurance from the honda dealer

THE VIRIYAH INSURANCE COMPANY LIMITED

63,600.00

i guess it says 60% of what the bike is worth.

i wish i could read the thai so that i figure this out.

if you can take a picture of your policy conditions and post the image here ,i or someone else can translate it for you ,block out your name for privacy if you wish )

variayah usually pay 80% in the first year and 60% in the second year on a stolen bike

they should also cover you for at least 100,000-300-000k in medical bills unless you took the cheapest option possible and decided to pay the compulsary insurance to third parties only

i guess thats what happen when i bought the bike. i never really asked about the insurance, i was just told that i would have one year of insurance paid.

when i got the bike i got it for 82,500฿. 80% of that is 66,000฿.

they are covering me for 63,600, that is almost 80%

ill see what i can do about getting the picture put up her of my policy.

my bike is a 2011 Honda CBR 150R

im a little confused now. on my insurance it says (has on it 2010) which i believe my bike is a 2011 because the date that the bike was actually assembled was in May of 2011. when i bought the bike i had to way a month to get it.

i got the bike May 5, 2011(2554).

huh is my bike a 2011 or did the Honda dealer make a mistake on the insurance form and make it a 2010.

off topic

in America, in November the start sell the next years models. when do they do it here in Thailand?

[JSixpack]

Why not just take your bills & policy to the insurance co. or its local rep and see what they'll do for you, if anything? That's all that really matters.

[blackpanda]

thanks alot you guys with all the great advice. i have a card with a bunch of numbers of the insurance reps i think. we are going to try and work it out this weekend.

hopefully i can get one of the bills paid again thanks for all the feed back.