Do insurance companies pay for temporary vehicle while yours in under repair?

[Keesters]

I was recently involved in an accident where a car reversed over my stationary motorcycle and crushed it. Thankfully I was unhurt. The car driver eventually admitted fault and said his insurance company would pay for repairs. The insurance company has now taken my motorcycle away for repair leaving me without transport. I will not use taxis. Should the car owners insurance company provide me with a temporary vehicle while they repair mine? I don't have the details of the insurance other than it is MSIG.

 

 

 

 

[stevenl]

This is hardly ever covered here, and if it is covered I think only for the own vehicle and limited to a few days.

 

But that is not your problem, the owner is liable for dam,ages, including rental of another vehicle for you. If his insurance does not cover that is his problem. Now your problem may be to get him to pay up. Sometimes it is helpful to get the police involved, this is one of the reasons.

[Keesters]

23 hours ago, stevenl said:

This is hardly ever covered here, and if it is covered I think only for the own vehicle and limited to a few days.

 

But that is not your problem, the owner is liable for dam,ages, including rental of another vehicle for you. If his insurance does not cover that is his problem. Now your problem may be to get him to pay up. Sometimes it is helpful to get the police involved, this is one of the reasons.

 

Thanks for your answer. I no longer have any contact with the insured. The police did come but as soon as the insured admitted fault he disappeared without any report. At the time I was a little shook up having escaped being crushed under the car and never thought to ask for compensation while my bike was being repaired. A little like not checking the vast overpricing of medications in a hospital you visited whilst sick. They have you at a disadvantage, know it, and make the most of it.

 

[stevenl]

2 hours ago, Keesters said:

 

Thanks for your answer. I no longer have any contact with the insured. The police did come but as soon as the insured admitted fault he disappeared without any report. At the time I was a little shook up having escaped being crushed under the car and never thought to ask for compensation while my bike was being repaired. A little like not checking the vast overpricing of medications in a hospital you visited whilst sick. They have you at a disadvantage, know it, and make the most of it.

 

In that case, forget about it.

[whatproblem]

I had this problem  last week ,the office of insurance was contacted because I kept calling my insurance ( I was the innocent party ) I wanted a hire car ,I got paid for the car 500 baht a day for 30 days out of the 35  days it took to get the car back to me in repaired condition .the OIC is a government office with the power to force the insurance company to comply .when you rent a new vehicle make sure it is from a registered company and get receipts with company registration on it ,if you not have luck with the insurance contact the OIC.

the guy s insurance wanted me to rent a car for 250 baht a day ,I told them ok find for me ,they tried offering me different amounts but I was angry with them so I kept saying no ,I got what I wanted in the end ,nearly ,I just didn't want to get bumped from the start 

 

my insurance is msig and they were were very helpful once I spoke to the supervisor in bkk and manager ,the guy on the street was useless

Edited December 3, 2016 by whatproblem

[superdome]

Just shows u...keep on u get what u want...glad u got it...nice one

[David B in Thailand]

The policy I have with AXA that I purchased through an English speaking insurance broker clearly has roadside assistance and rental car reimbursement. My previous 1st class auto insurance policy I bought direct through Viriyah Insurance did not offer roadside assistance nor rental car reimbursement. It was a better option for me to have a native English speaking insurance broker offer me in English three options for auto insurance cover in Thailand. 

[al007]

18 minutes ago, David B in Thailand said:

The policy I have with AXA that I purchased through an English speaking insurance broker clearly has roadside assistance and rental car reimbursement. My previous 1st class auto insurance policy I bought direct through Viriyah Insurance did not offer roadside assistance nor rental car reimbursement. It was a better option for me to have a native English speaking insurance broker offer me in English three options for auto insurance cover in Thailand. 

 

AXA is good and competitively priced, had it a few years but so far not tested the claim route, hope not to 

[stevenl]

The policy I have with AXA that I purchased through an English speaking insurance broker clearly has roadside assistance and rental car reimbursement. My previous 1st class auto insurance policy I bought direct through Viriyah Insurance did not offer roadside assistance nor rental car reimbursement. It was a better option for me to have a native English speaking insurance broker offer me in English three options for auto insurance cover in Thailand. 

Yes, that policy has limited days cover but only for own damage.

Not applicable here where the op was the uninsured victim.

Sent from my ROBBY using Thaivisa Connect mobile app

[jacko45k]

When this happened to me the other party's insurance arrived , along with mine, and I got a slip that I then took to a repair shop. I was so pleased that the damage was being repaired at no cost to me I didn't ask about a rental vehicle for the period of repair. I too did not get a police report.

[soalbundy]

I got a police report, did everything by the book. The repairs i was told would take 5 months because the repair shop didn't have enough people. I protested to the insurance company, i went round to their office and asked for a vehicle to use in the meantime (no can do). The repairs would come to 200,000 Baht but the car was only worth 180,000 Baht so i asked the insurance company to forget the repairs and pay me 180,000 Baht they would be saving money and i could get another second hand car (no can do) I gave up.

[louse1953]

21 hours ago, superdome said:

Just shows u...keep on u get what u want...glad u got it...nice one

That's it.It is the game they all play.Stick at it and have patience.Remember they are trying to short change you. not you having a black heart ect.

[louse1953]

5 hours ago, soalbundy said:

I got a police report, did everything by the book. The repairs i was told would take 5 months because the repair shop didn't have enough people. I protested to the insurance company, i went round to their office and asked for a vehicle to use in the meantime (no can do). The repairs would come to 200,000 Baht but the car was only worth 180,000 Baht so i asked the insurance company to forget the repairs and pay me 180,000 Baht they would be saving money and i could get another second hand car (no can do) I gave up.

Obviosly the repairs weren't 200k

[The Dark Lord]

We had the enviable experience of some dozy tart in her 4WD "parking" about 200 meters up the slight incline from where I was parked ( outside my house)  and jumping out of her vehicle not engaging park or putting the handbrake on. (Automatic vehicle that allows you to take the ignition key out when it is not in Park mode?)

 

i watched incredulously from our balcony where I was taking a sly smoke, as her 4WD, unaided by human hand, managed to navigate its way down the street missing several cars parked on either side of the side of the road, picking up increasing amounts of speed rapidly converting its potential energy into kinetic energy and then unloading it all on my parked BMW.

 

that was where the fun started;

 

On my way down stairs to attend the incident (back of her 4WD into the front of mine??!!) I took the opportunity of letting my dear wife know what I had just observed. I immediately received a double bollocking as there was no way a Thai would do what I was telling her I saw (one of those days) AND did I not realise she was in the shower and could I not wait until she had finished?

 

Realising the future of that discussion was going nowhere I went out to greet the increasing crowd of "helpful" onlookers and neighbours who were gathering around the incident.

 

It became increasingly obvious, even with my limited capability in the local lingo, that even though I was parked and the sole driver of the BMW (me) was actually upstairs at the time, that the farang had caused this accident and the conversation was already drifting towards how much compensation could be wrung out if him (me)

 

Fortunately for me, and prior to my caring wife honouring us with her attendance and ability to speak in both tongues, one of our neighbours whio is an independant insurance broker and who has a limited grasp of English arrived and proceeded to put the "anti farang" mob right before any further farang credibility damage could be done.

 

Eventually someone managed to get hold of the "dozy tart" who was the architect of this fiasco who turned up bowing and scraping in a highly apologetic but wholly unconvincing manner explaining that it was not really her fault as all she had done wrong was forget to put the car into park. ( no mention of using the handbrake or parking brake as some cultures refer to it as) 

 

As a further gesture of trust and good will our insurance broker neighbour suggested that we get Plod to attend ( which he had already set in motion) as he could foresee my situation going south  if left in a "he said / I said" situation.

 

Plod did eventually arrive however without alighting from his motorcycle he demonstrated the BIB 's legendary capability of being able to solve cases with commesurate ease by declaring the incident as totally the farangs fault. He was then given specific advice by me in English on how his assessment may be flawed by not taking any statements from eye witnesses and as such in his best interests, procreation and travel should be included in his immediate future upon which he acted immediately.

 

In the end getting a replacement car was simply a case of going down to the guilty partys' insurers office, making a shed load of noise and threatening to create a massive loss of face assisted greatly In allowing them to realise that the easiest course of action was to agree to letting this pesky farang hire a car and they would pay. Limits being THB 500 per day but no time limit. The admission of total liability by the aforementioned dozy tart also went a long way in this exercise.

 

All this having been agreed I left the insurance company office pumped up with self gratification that I had finally got some sense and fairness out of my time in the LoS.

 

Too much too soon.

 

Not only were the "repairs" done to my car so shoddy that I had to take it back five times but the insurance company tried initially to short me 50% of what they owed. They then started to refuse to speak to me ( which they originally  did as the girl spoke passable English which she seemed to have now forgotten) talking only to my wife. I do not know what goes on between the ears of some of the indig pop but do they really expect us to believe some of the lies they spout?

 

My wife being one who does not like to make a fuss (outside the house) apparently agreed to this settlement but did not tell me until we got home. Preferring to vent my frustration ( and spleen) on the clowns in this incident,  I went back to the insurance company and kicked up so much of a stink that on reflection I am surprised Plod was not summoned to take me away.

 

The compensation for the replacement car was finally settled in full minus four days ( which I presume went into her pocket as my "receipt" showed the full amount of four weeks) 

 

Bottom line is;

 

If you do not suffer from any medical ailments that can be exacerbated by elevated levels of stress, 

 

If you do not submit to temporary shock at the stupidity of the driver that has just smashed your pride and joy by a level of such "road user incompetence" that you believe they should be in the Guiness book of records.

 

If you have a supporting wife or partner who is not afraid to tell an indigenous citizen in the local lingo that their corrupt and immoral ways will not be accepted by either her or the farang

 

If you have the legendary patience of Job (biblical reference)

 

If you are (tick as appropriate) sufficiently ill advised to suggest that the declaration by the "attending" Plod assessment is crap and that they should "deleted word" off / incredibly brave to tell the attending Plod ....

 

If you have plenty of spare time on your hands

 

If you have sufficient foresight to remember to insist that the replacement car is either signed off on paper by the insurance company OR you get them to pay direct to the hire car people / get the money up front

 

then in my limited experience it is well worth the effort to push for the replacement vehicle insisting it be of a comparable standard of the one that has been violated and that it be sourced from a "reputable" car hire company such as Hertz, Avis etc BUT be prepared to wade through mountains of bull faeces, lies, corruption and levels of crass incompetence and skullduggery that you would be hard pressed to find anywhere else in the world.

 

Post Note. 

 

My BMW is still not right but I have given up . I have one bright and shiny new headlight and one that has a cloud over the lens ( replacements only come in pairs apparently when I want to buy one but for the repairers...) The bonnet still does not align properly  and the inside of my engine bay that was affected by the incident remains in primer grey not quite matching the blue colour of the rest of the car. 

 

Fortunately it it is not likely to be noticed by any of the car salesmen with whom I have had the pleasure of dealing with as it would only be noticed by one who has a professional eye.

 

Argh, life is too short and I am too old for all this sh**!