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BANGKOK 21 November 2018 16:36
JaiLai

Accident & insurance

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Mate was knocked off his bike by a mini bus driver jumping a red light.

 

Mini bus driver was insured and took blame.

 

Insurance will only pay 43k, bike worth at least double that, how to proceed?

 

- can you contest amount offered

- what happens when the 43k offered is reached and bike not complete

- anyone had similar situation?

 

His bike was a retro Vespa so book price is hard to determine...

 

Thanks

 

 

Sent from my iPhone using Thailand Forum - Thaivisa mobile app

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Is the bike a total write-off? Then you'll have to determine the value and might need to resort to a professional third party for that. If there are any comparable bikes for sale online, then show them how much they are going for. If it can be repaired then I would just let some official dealer do their best and let the insurance foot the bill.

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As said is it a write-off.

Secondhand value has to be determined.

If it's repairable get an estimate.

How is his insurance company proceeding. 

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1 hour ago, Kwasaki said:

As said is it a write-off.

The below leads me to not be sure if it's a write-off, sounds like they offered a lump sum of 43k for repairs and he wonders what if the 43k is not enough to repair it.

 

Quote

- what happens when the 43k offered is reached and bike not complete

 

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Ok I am the person this thread is about.

The total estimate for repairs was 43K and they have said they will pay my directly 23K to fix my scooter. 

I have since found out that some thai friends of friends have received 70% of full price m, so this sounds like they are “trying it on” ?

Can’t  fathom how this is legal to insure some one 3rd party and not pay the cost of repairs, when that person causes and accident. They have the police report etc. 

I know this is Thailand but there has to be a line with somethings?

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Ok, so it's not a write-off. Total estimate of repairs 43k. The other party is liable for the full amount. How he splits it between himself and his insurance is up to him and what coverage he has. You get the repairs done and let them pay in full. Not 70%, not 50%, not 90%. The full amount of costs until bike repaired completely. No point in arguing with him if he already was found responsible.

 

When some pickup knocked over one of my bikes, the dealer basically sent the bills directly to the other party's insurance and they had to cover it. I never even got into the money flow or argued about how much.

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I’m not in contact with the van driver.

The insurance company was contacted to find out what was happening.....nothing!

I went to the garage the bike was retrieved by and they said we can not find any parts in Thailand, have to order from Europe. More scooter used parts in Asia than the rest of the world I’m sure so I had another “scooter repair” mechanic take the bike to his and he made the quotation. 

Note: Insurance company had done nothing and when contacted they said take photos, have the photos printed on A4 paper and bring to Chonburi city office - We do not accept photos by email!

So I did all this and they have contacted my partner with the 50% offer. At no time did I want anything to do with this. When I went I the office I asked why they don’t have a insurance assessor to do this. I was told this is Thailand you do.

 

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I'm sure there's some kind of Vespa dealership somewhere that can give you a full and final quotation after paying them a bit to look over the whole bike. Send this to the insurance company and tell them you expect them to pay this in full. If not, then you have to refer this to the police. The 50% offer is something they might try but there's no reason you have to accept that. Why would you pay 50% of damages that someone else with insurance has caused?

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The garage that gave the quotation is a vespa service garage. Anyway i will follow up with your advice, involving the police if they don't pay the full amount.

 

Appreciate your advice and info

Many Thanks

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Just make sure that the quotation includes all import duties and shipping. That can make the price grow by 50%+ easily.

 

If you have first class insurance, I'd also talk to them. They could pay for it and then run after the other guys insurance to recover the costs.

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Posted (edited)

Well buy a Honda scoot next time.?

Just ordered a damaged side body fairing for my scoot today from a Honda dealer 300 baht. ?

Edited by Kwasaki
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42 minutes ago, Kwasaki said:

Well buy a Honda scoot next time.?

Just ordered a damaged side body fairing for my scoot today from a Honda dealer 300 baht. ?

Do you have 2.4 children too?

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Posted (edited)

If the Vespa rider had First Class insurance this would be a moot point. His insurance company would handle all this.

Even if the bike is older, and First Class not available, Second Class Plus would fix his bike as the other party has agreed liability. And bike riders insurance would handle all payments. Yet another reason to buy good insurance.

Edited by canthai55
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Agreed, good insurance is a must in Thailand. Way too likely for something to get damaged in one way or another.

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I have 1st class on my other bikes that I tour on for that reason  but since this bike was just for the city and since i have Private International Health Cover, I didn't see the point. If i damaged the bike i can afford to mend the bike.

Hindsight is great thing canthai55

This post/thread is for advice on how to NOT get ripped off by a thai insurance company. When the blame is not mine claiming of my insurance i don't understand? There would be excess etc yeah? 

 

Anyway thats not the case so constructive advice only based on these circumstances, if you don't mind

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