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[Atmos]

Does any visa run company advertise that they provide full insurance cover for accidents such as this?
Would be good to know.

[Boater]

Atmos, on 2011-09-07 09:35:04, said:

Does any visa run company advertise that they provide full insurance cover for accidents such as this?
Would be good to know.

herbert does

[carmine]

What is the minimum rquirement stipulated by the Thai authorities for insurance cover for a bus used for visa runs?

How much insurance benefit did the victims of this accident recieve?

Someone mentions Herberts cover.  What cover does Herbert have and how much benefit would that offer each individual were an accident to occur on his bus?

Was Julie's vehicle hit by a lorry or not?


I think its important to deal with facts,  not hearsay.    Does anyone know if theres been any improvement in the condition of the young guy that was so badly injured?

[BigC]

limbos, on 2011-09-07 08:43:30, said:

BigC, on 2011-09-07 01:01:44, said:

monkeysu, on 2011-08-29 15:46:58, said:

I have just spoken to Julie myself who told me the minibus did not lose control in the rain, a lorry, who was out of control, hit them from behind sending them into the central reservation. The lorry then left the scene. Julie's husband was driving and could have in no way have avoided the accident, it is worth mention that this is the first incident Julie's visa run has had in seven years. The mini bus had slowed down from 100k to 80 as they came to a corner, the lorry did not slow down until it was too late, skidded and thumped into them from behind.
There are several nasty injuries that include one man in a coma, a lady with internal bleeding in her head, a lady with a broken neck, a man with a fractured back and Julie herself that has facial fractures and a broken shoulder and her husband who has broken legs. While Julie is more than happy to take calls from family and friends of the passenger please be aware that she is trying to co-ordinate a lot f insurance claims and help her customers so she needs her phone line to be available and not taken up by people that are not connected to the passengers and are just curios to find out what happened and worse abusive text messages and phone calls from those not involved or in receipt of the correct facts.  
If anybody needs more information then please let me know and I will contact Julie

no lorry hit them from behinde they skidded off the road. it isonebig cover up

That's a big accusation, although it may be true. How do you know this Big C?

yes u r right i am going to ask the op to delete my posts as i have no concrete evidence and i do not like to go out to destroy people's businesses. i herd from whitnesses and rumers so my posts should be removed unless anyone either was on the bus or has a proper link.

I do not like to bad mouth peoples business specially when there is no conflict with my own because it is taking food out of peoples families mouths.

if any moderaters read this please delete on my behalf all my accusations about Julie's business. sorry to make your job harder.

Edited by BigC, 2011-09-07 10:45:59.

[Boater]

[/quote]

no lorry hit them from behinde they skidded off the road. it isonebig cover up
[/quote]

That's a big accusation, although it may be true. How do you know this Big C?
[/quote]


yes u r right i am going to ask the op to delete my posts as i have no concrete evidence and i do not like to go out to destroy people's businesses. i herd from whitnesses and rumers so my posts should be removed unless anyone either was on the bus or has a proper link.

I do not like to bad mouth peoples business specially when there is no conflict with my own because it is taking food out of peoples families mouths.

if any moderaters read this please delete on my behalf all my accusations about Julie's business. sorry to make your job harder.
[/quote]

it was in the paper that one of the people interviewed CANNOT verify that infact they where hit by a Truck, but there are supposdly 3 witnesses and the Reg number of the truck.... , hopefully the newspaper will do a follow up story

[BigC]

best wishes to all invloved hope you get well soon

Edited by BigC, 2011-09-07 22:38:53.

[BigC]

[/quote]

it was in the paper that one of the people interviewed CANNOT verify that infact they where hit by a Truck, but there are supposdly 3 witnesses and the Reg number of the truck.... , hopefully the newspaper will do a follow up story
[/quote]
if 3 whitness got the reg number. thats about 4 numbers 3 thai letters and the provence then surely the lorry would be registered to a company. how hard can it be to trace. I would like to see the next paper. If 3 forang whitness sore the number plate then all they can see is number but assuming the accident was in sonkla provence i also assume thayt the whitness were thai standing on the side of the road or driving behinde.

I am not trying to suggest a cover up but it does not look good. a statement straight from the horses mouth might clear things. there again if any mod wants to delete my posts then feel free as it is none of my business but i will make comments based on what i beleive to be true even though i might be wrong. so i know this is a touchy subject so i shall let the mods referee me.

[jdee]

According to TAT licence should be 500.000 baht per person ( accident ) maximum 5 million baht per policy in other words 10 people are covered per journey  It cost about 70 baht per person maximum 500 people then they have to open a new policy about 32.000 baht per 500 people

[Hackett]

jdee, on 2011-09-09 00:42:59, said:

According to TAT licence should be 500.000 baht per person ( accident ) maximum 5 million baht per policy in other words 10 people are covered per journey  It cost about 70 baht per person maximum 500 people then they have to open a new policy about 32.000 baht per 500 people

Is 500,000 baht cover per person the "requirement" of the TAT?   Is that what you are saying?   Afterall, peoples insurance cover is very important.

Edited by Hackett, 2011-09-09 09:11:51.

[jdee]

Yes 500.000 per person .

Hackett, on 2011-09-09 09:10:16, said:

jdee, on 2011-09-09 00:42:59, said:

According to TAT licence should be 500.000 baht per person ( accident ) maximum 5 million baht per policy in other words 10 people are covered per journey  It cost about 70 baht per person maximum 500 people then they have to open a new policy about 32.000 baht per 500 people

Is 500,000 baht cover per person the "requirement" of the TAT?   Is that what you are saying?   Afterall, peoples insurance cover is very important.

[Hackett]

jdee, on 2011-09-09 13:00:18, said:

Yes 500.000 per person .

Hackett, on 2011-09-09 09:10:16, said:

jdee, on 2011-09-09 00:42:59, said:

According to TAT licence should be 500.000 baht per person ( accident ) maximum 5 million baht per policy in other words 10 people are covered per journey  It cost about 70 baht per person maximum 500 people then they have to open a new policy about 32.000 baht per 500 people

Is 500,000 baht cover per person the "requirement" of the TAT?   Is that what you are saying?   Afterall, peoples insurance cover is very important.

I must be missing something here then.    Surely these people must be covered.

[Leckyman]

Correct. Assuming that the carrier had that policy.

[jdee]

If you operate any type of business in Thailand  that transports any tourist it's against the law not to have it tthey have to have a TAT licence plus TAT insurance

[Tropicalevo]

jdee, on 2011-09-09 22:39:37, said:

If you operate any type of business in Thailand  that transports any tourist it's against the law not to have it tthey have to have a TAT licence plus TAT insurance

Sorry to sound cynical but  - of course no one would dream of breaking the law here?  

At the end of the day - good luck and get well soon to the real victims.

[jdee]

I know what you are saying but now Thailand is catching up with the western world . I'm only stipulating facts .

[Boater]

from what i can make out, she didnt have the full correct insurance that herbert has, which covers full medical in the event of an accident....

hence now they are having a fundrasier to help ryans costs for his hospital bill, which should have been covered by the visa run company, and not him or his friends / family.

IMOA the visa run company should foot the majority of the bill, if not all, and IF and IF they catch the driver that caused the crash, and the truck ( which would be owned by a company ) then the cost would be footed by them.. ot there insurance company ....

just be careful out there folks, the roads here are VERY dangerous

I do hope those the injured fully recover and start livin the dream again

over and out

boater

[BigC]

Boater, on 2011-09-10 00:52:17, said:

from what i can make out, she didnt have the full correct insurance that herbert has, which covers full medical in the event of an accident....

hence now they are having a fundrasier to help ryans costs for his hospital bill, which should have been covered by the visa run company, and not him or his friends / family.

IMOA the visa run company should foot the majority of the bill, if not all, and IF and IF they catch the driver that caused the crash, and the truck ( which would be owned by a company ) then the cost would be footed by them.. ot there insurance company ....

just be careful out there folks, the roads here are VERY dangerous

I do hope those the injured fully recover and start livin the dream again

over and out

boater

if Julie did not have the correct inssurence and tried to do things the short cut way to save 70 baht per passenger then it is her fault. hence i would welcome any fund raising for the family.

Just makes me laugh when someone bosts about being a former police woman and then takes a short cut like this.

her company should be liable for all the costs. not being funny but if my family was lying in hospital with a broken back i would have a van parked out side the owners house demanding money for hosipital expense. hence all the bad publicity that i would make. basically if i got lumbered with any medical expense then i would rarther go to court. all that for the saving of 70 baht for a truck which 3 whitness sore the number plate but they cannot trace. even if it is a company car. if the whitness gave a statement then the company inssurence would be liable.

was there any lorry or truck debis scattered on the road ?where there more than 2 sets of tyre marks. being transport police. u would know these things,

thanks for clearing that up Boater. i was sceptial to comment at first but now i got the information i am a little angry.

anyway all the best wishes to all patients. i hope Julie can learn from this if she gets the chance and all her customers get back on their feet again

[smokie36]

I don't worry about getting on a bus anywhere in the world as I make sure I have medical insurance wherever I am. Expecting a bus company to provide this is not something I would consider.

Laying aside for a moment the legal requirement to have this with TOT it surely is everyone's own responsibility to cover themselves in case of accident or injury.

People should get insured or go home if they can't afford it.

That said my best wishes to those injured and hope they all make a speedy recovery.

[limbos]

smokie36, on 2011-09-10 03:12:55, said:

I don't worry about getting on a bus anywhere in the world as I make sure I have medical insurance wherever I am. Expecting a bus company to provide this is not something I would consider.

Laying aside for a moment the legal requirement to have this with TOT it surely is everyone's own responsibility to cover themselves in case of accident or injury.

People should get insured or go home if they can't afford it.

That said my best wishes to those injured and hope they all make a speedy recovery.

Couldn't agree more.

[itishothere]

smokie36, on 2011-09-10 03:12:55, said:

it surely is everyone's own responsibility to cover themselves in case of accident or injury.

Agree. But sadly it is very easy to assume that when you get in a car or a bus that you have insurance or are covered is some way, since it is very likely that where you came from, it is the law to have that cover, and it is strictly enforced.

A terrible lesson to be learnt that here on Samui, as indeed in many places around the world, things are not like what they are back at home.

[Hackett]

limbos, on 2011-09-10 06:42:29, said:

smokie36, on 2011-09-10 03:12:55, said:

I don't worry about getting on a bus anywhere in the world as I make sure I have medical insurance wherever I am. Expecting a bus company to provide this is not something I would consider.

Laying aside for a moment the legal requirement to have this with TOT it surely is everyone's own responsibility to cover themselves in case of accident or injury.

People should get insured or go home if they can't afford it.

That said my best wishes to those injured and hope they all make a speedy recovery.

Couldn't agree more.

Smokie36 is  wrong in this instance and i can't understand why you agree?   Is has nothing to do with someones personal health insurance.  Nothing at all.   They are the customers of a company that is supposed to cover them!!!!!!

Are you saying that people don't have the legal right to be properly insured by the visa run company even though the authorities stipulate they should?   Get a grip,  you sound ridiculous.   It has NOTHING to do with with peoples personal insurance and in any case, if someone does have it, why should they have to ruin their no claims bonus because a visa run company does'nt operate properly and insure them correctly.

Is tis visa run company insured properly now?   I would presume so as  it would beggar belief that they were'nt.   I would not use Julie's visa run service without proof of correct insurance but regardless there are many questions that must be answered.

For example, was there a truck involved at all?    Now that really can't be a difficult question to answer can it?

Edited by Hackett, 2011-09-10 08:51:33.

[sbk]

Hit and runs are more common than not, and anyone who has been here even a short amount of time learns rather quickly that the "driver fled the scene" is the most common phrase for any major accident. So, lets not start speculating on things on which we have zero information other than our own imaginations. a report has been made, don't turn this into another pointless sherlock holmes of TV thraed.

[BigC]

Hackett, on 2011-09-10 08:45:53, said:

limbos, on 2011-09-10 06:42:29, said:

smokie36, on 2011-09-10 03:12:55, said:

I don't worry about getting on a bus anywhere in the world as I make sure I have medical insurance wherever I am. Expecting a bus company to provide this is not something I would consider.

Laying aside for a moment the legal requirement to have this with TOT it surely is everyone's own responsibility to cover themselves in case of accident or injury.

People should get insured or go home if they can't afford it.

That said my best wishes to those injured and hope they all make a speedy recovery.

Couldn't agree more.

Smokie36 is  wrong in this instance and i can't understand why you agree?   Is has nothing to do with someones personal health insurance.  Nothing at all.   They are the customers of a company that is supposed to cover them!!!!!!

Are you saying that people don't have the legal right to be properly insured by the visa run company even though the authorities stipulate they should?   Get a grip,  you sound ridiculous.   It has NOTHING to do with with peoples personal insurance and in any case, if someone does have it, why should they have to ruin their no claims bonus because a visa run company does'nt operate properly and insure them correctly.

Is tis visa run company insured properly now?   I would presume so as  it would beggar belief that they were'nt.   I would not use Julie's visa run service without proof of correct insurance but regardless there are many questions that must be answered.

For example, was there a truck involved at all?    Now that really can't be a difficult question to answer can it?

i agree the only party thar isresponable is the visa run company. u can"t be telling me that if the visa run company does not inussure you then u should go home.

very un proffesional.

even bangkok airways the rip off airline covers u.

basically if u have a valid ticket for any travel service then inssurnce should be included. what makes me laugfh is that owner is an ex uk police woman from what i know she was transport police. had thar crah happened in the uk and she was the officer on duty then she would be making arrests rigt now.u would think that she wouyldhave known better.

a crash whilst using a bus service is no fault of the customer. even though out here they like to pin the blame on the customers. people can say what they want but next time i do a via run i want to stait on the receipt how much and i am inssurend for and how much i am covered for. it should be standard small print on all tickerts

[limbos]

Hackett, on 2011-09-10 08:45:53, said:

limbos, on 2011-09-10 06:42:29, said:

smokie36, on 2011-09-10 03:12:55, said:

I don't worry about getting on a bus anywhere in the world as I make sure I have medical insurance wherever I am. Expecting a bus company to provide this is not something I would consider.

Laying aside for a moment the legal requirement to have this with TOT it surely is everyone's own responsibility to cover themselves in case of accident or injury.

People should get insured or go home if they can't afford it.

That said my best wishes to those injured and hope they all make a speedy recovery.

Couldn't agree more.

Smokie36 is  wrong in this instance and i can't understand why you agree?   Is has nothing to do with someones personal health insurance.  Nothing at all.   They are the customers of a company that is supposed to cover them!!!!!!

Are you saying that people don't have the legal right to be properly insured by the visa run company even though the authorities stipulate they should?   Get a grip,  you sound ridiculous.   It has NOTHING to do with with peoples personal insurance and in any case, if someone does have it, why should they have to ruin their no claims bonus because a visa run company does'nt operate properly and insure them correctly.

Is tis visa run company insured properly now?   I would presume so as  it would beggar belief that they were'nt.   I would not use Julie's visa run service without proof of correct insurance but regardless there are many questions that must be answered.

For example, was there a truck involved at all?    Now that really can't be a difficult question to answer can it?

Hackett,

To clarify the reason why I agree with Smokie is the following reason;

Although I fully agree that the company that transports you should have adequate insurance coverage, unfortunately a lot of times this is not provided in Thailand for many reasons. So, if you use one of these services, make sure that you have adequate insurance, that when there's an accident, you don't have to rely on the insurance of the transport company.
There's no need to start a discussion if they should have it or not, your're fully right Hackett, they should, harsh reality however shows you that in many third world countries (unfortunately Thailand qualifies for that easily) these insurances aren't always provided for.

Now even though the authority stipulates that transport companies should have insurance coverage, how easy or difficult do you think it is to claim said insurance coverage or claim back the costs that you had for any stay in hospital or medical treatment.

It's not really about what the law says, since due to many reasons (corruption, cost saving, etc) it's more about how you deal with it in real life, just imho. Dealing with it in real life means having taken care of your own insurance rather than relying on third parties.

If you live here and know these things, prevent problems and have adequate insurance for yourself. If you are here just on a holiday, make sure that you have adequate travel insurance. I life here since 12 years and I can't recall how many fund raisers there have been. If people would have had adequate insurance to start with, all these fund raisers would not be necessary. How many fund raisers for similar reasons do you know of in the UK or in Europe?

I think Smokie summed it up already up very accurately, I'm just confirming what he said.........

Edited by limbos, 2011-09-10 10:45:21.

[BigC]

The paper quoted " one of the passengers who wishes to remain annouymous. Said he was in the back listening to his ear phones. He felt the car swerve then hit somethingm he cannot be sure they were hit from behinde"

If they were hit from behinde he woul have felt the back of the car being him then swerve then hit something.