Neighbor in hospital; Insurance will not pay- advise?

[arjunadawn]

This is almost always result is some part of the claim being paid, unless some serious fraud took place.

When policies clear state either 'no motorcycle accident cover' or 'only coverage if the rider has a suitable legal license' why would they pay one penny ??

Many low end travel policies have this, you cant really expect them to insure unlicensed riders.

To avoid lengthy investigation by Ombudsman and the headache.

We do not know what exactly the policy says so no reason to assume what it may or may not include and most certainly worth a try

Hello guys; another Ukrainian "friend" has joined the few of us who visit the patient each day. He showed me this multi page flyer for the insurance coverage. There it was in pretty clear writing that if operating a motor vehicle without the proper license or endorsement... basically, coverage forfieted. I always try to reason an angle when pressed but this was blatant. I would love to state the mean insurance company is screwing this poor guy but he bought the insurance and it is clear English (of course he does not speak or write good english ). The point is, he was wrong. I said earlier, both the driver's license and the insurance coverage failure for this guy shocked me into making some changes in my life.

[konying]

This is almost always result is some part of the claim being paid, unless some serious fraud took place.

When policies clear state either 'no motorcycle accident cover' or 'only coverage if the rider has a suitable legal license' why would they pay one penny ??

Many low end travel policies have this, you cant really expect them to insure unlicensed riders.

To avoid lengthy investigation by Ombudsman and the headache.

We do not know what exactly the policy says so no reason to assume what it may or may not include and most certainly worth a try

Hello guys; another Ukrainian "friend" has joined the few of us who visit the patient each day. He showed me this multi page flyer for the insurance coverage. There it was in pretty clear writing that if operating a motor vehicle without the proper license or endorsement... basically, coverage forfieted. I always try to reason an angle when pressed but this was blatant. I would love to state the mean insurance company is screwing this poor guy but he bought the insurance and it is clear English (of course he does not speak or write good english ). The point is, he was wrong. I said earlier, both the driver's license and the insurance coverage failure for this guy shocked me into making some changes in my life.

Does he have a license? because from my understanding earlier i thought he had the license.

This is where it gets tricky, many people renting car or bike in Thailand, ask for insurance and pay premium for it.

Insurance policy clearly states in small writing that driver must have license from this country, ie, tourists renting car or a bike in Thailand with insurance policy, infact does not have one, because tourist does not hold Thai driving license.

Someone with international permit, could argue that they have the right to drive in other countries.

So the question is, does he actually hold a license to drive any kind ? Hope i am making sense with that.

[Issangeorge]

Years ago I ran a small jeep rental business, I had a customer, who crashed one of my jeeps, the insurance company wanted an international licence, or Thai licence, either one was okay.

Edited February 13, 2015 by Issangeorge

[Soutpeel]

This is almost always result is some part of the claim being paid, unless some serious fraud took place.

When policies clear state either 'no motorcycle accident cover' or 'only coverage if the rider has a suitable legal license' why would they pay one penny ??

Many low end travel policies have this, you cant really expect them to insure unlicensed riders.

To avoid lengthy investigation by Ombudsman and the headache.

We do not know what exactly the policy says so no reason to assume what it may or may not include and most certainly worth a try

Hello guys; another Ukrainian "friend" has joined the few of us who visit the patient each day. He showed me this multi page flyer for the insurance coverage. There it was in pretty clear writing that if operating a motor vehicle without the proper license or endorsement... basically, coverage forfieted. I always try to reason an angle when pressed but this was blatant. I would love to state the mean insurance company is screwing this poor guy but he bought the insurance and it is clear English (of course he does not speak or write good english ). The point is, he was wrong. I said earlier, both the driver's license and the insurance coverage failure for this guy shocked me into making some changes in my life.

Does he have a license? because from my understanding earlier i thought he had the license.

This is where it gets tricky, many people renting car or bike in Thailand, ask for insurance and pay premium for it.

Insurance policy clearly states in small writing that driver must have license from this country, ie, tourists renting car or a bike in Thailand with insurance policy, infact does not have one, because tourist does not hold Thai driving license.

Someone with international permit, could argue that they have the right to drive in other countries.

So the question is, does he actually hold a license to drive any kind ? Hope i am making sense with that.

3rd paragraph is frankly not true, the likes of the reputable hire companies make no such reference, they state a valid licence, now yes they could argue the IDP bit, but nowhere does it state a Thai DL, so in the case of the reputable companies your mistaken or making things up

[Soutpeel]

Years ago I ran a small jeep rental business, I had a customer, who crashed one of my jeeps, the insurance company wanted an international licence, or Thai licence, either one was okay.

Thanks George for stating this, some people just make BS up to put words on thread

[konying]

3rd paragraph is frankly not true, the likes of the reputable hire companies make no such reference, they state a valid licence, now yes they could argue the IDP bit, but nowhere does it state a Thai DL, so in the case of the reputable companies your mistaken or making things up

Check again, do not recall the exact wording, but it does imply Thai DL.

May not be the case across all companies and all policies.

Hence why i asked if he holds any license at all as it does make the diffefence

[Soutpeel]

3rd paragraph is frankly not true, the likes of the reputable hire companies make no such reference, they state a valid licence, now yes they could argue the IDP bit, but nowhere does it state a Thai DL, so in the case of the reputable companies your mistaken or making things up

Check again, do not recall the exact wording, but it does imply Thai DL.

May not be the case across all companies and all policies.

Hence why i asked if he holds any license at all as it does make the diffefence

So now its implying !! Typically insurance policies don't imply anything they are usually pretty black and white

your 3rd paragraph stated categorically a local licence was required go back read what you wrote, and now you say it implies

Which is it....??

Edited February 13, 2015 by Soutpeel

[arjunadawn]

When policies clear state either 'no motorcycle accident cover' or 'only coverage if the rider has a suitable legal license' why would they pay one penny ??

Many low end travel policies have this, you cant really expect them to insure unlicensed riders.

To avoid lengthy investigation by Ombudsman and the headache.

We do not know what exactly the policy says so no reason to assume what it may or may not include and most certainly worth a try

Hello guys; another Ukrainian "friend" has joined the few of us who visit the patient each day. He showed me this multi page flyer for the insurance coverage. There it was in pretty clear writing that if operating a motor vehicle without the proper license or endorsement... basically, coverage forfieted. I always try to reason an angle when pressed but this was blatant. I would love to state the mean insurance company is screwing this poor guy but he bought the insurance and it is clear English (of course he does not speak or write good english ). The point is, he was wrong. I said earlier, both the driver's license and the insurance coverage failure for this guy shocked me into making some changes in my life.

Does he have a license? because from my understanding earlier i thought he had the license.

This is where it gets tricky, many people renting car or bike in Thailand, ask for insurance and pay premium for it.

Insurance policy clearly states in small writing that driver must have license from this country, ie, tourists renting car or a bike in Thailand with insurance policy, infact does not have one, because tourist does not hold Thai driving license.

Someone with international permit, could argue that they have the right to drive in other countries.

So the question is, does he actually hold a license to drive any kind ? Hope i am making sense with that.

Hello and thank you for your thoughts. I dont recall the exact wording but I am a SOB when it comes to rationalizing. If I thought there was even a hint of light I would have pushed it to his Ukrainian girlfriend. But it was pretty clear that the correct local license and/or endorsement of motor vehicle is required. In this case I think they call it an "R" addition- to drive a motorbike. Unsure but it seemed pretty obvious to all that he was screwed on that point. Again, thanks for your thought.

I do not know how to close a thread or if that even happens, but you folks have been super helpful. He will have combined facial/plastic and ortho surgery Monday. He is actually a really nice guy. For those who missed it, he is only a neighbor who we greeted each other with bright cheery hellos each day, no more. But he is relatively alone and a kind man. Thx.

[konying]

3rd paragraph is frankly not true, the likes of the reputable hire companies make no such reference, they state a valid licence, now yes they could argue the IDP bit, but nowhere does it state a Thai DL, so in the case of the reputable companies your mistaken or making things up

Check again, do not recall the exact wording, but it does imply Thai DL.

May not be the case across all companies and all policies.

Hence why i asked if he holds any license at all as it does make the diffefence

So now its implying !! Typically insurance policies don't imply anything they are usually pretty black and white

your 3rd paragraph stated categorically a local licence was required go back read what you wrote, and now you say it implies

Which is it....??

I am sorry if i did not make myself clear, let me try again and hopefully you will understand

I do not recall the exact wording, however it does imply Thai DL

Several insurance companies have a fine print stating that the driver should hold a valid Thai driving licence to be fully covered. http://driving.information.in.th/driving-licence.html

[oldie66]

I do not know a country where you are insured if you are driiving a motorbike or a vehicle without a driving licence and having an accident.,

[Issangeorge]

One problem at Thai Tourist spots is farangs rent motorcycles and ask if they are insured, the shop says yes, but either doesn't know or doesn't tell the Farang, they are only covered if properly licensed. The Farang then feels that he is insured, but in fact isn't. Also motorcycles are only insured up to a small amount for accident coverage. It use to be ฿15,000, someone on this post said it has been raised to ฿30,000. This seems to apply even if you have first class insurance.