The first 'collision' in Thailand
It had to happen after six years: a collision. Well, there was no real accident. In fact, the whole thing didn't amount to much.
I was turning into soi 55 Hua Hin when a huge billboard blew off the sidewalk and hit my car. Some deep scratches were the result, damage that would certainly run into the many hundreds of euros in the Netherlands. The owner of the sign and adjoining shop denied all blame. The sign may have been his, but it was the wind that caused it to blow over. He couldn't help the fact that the large device at the foot was only secured by two small stones.
Two policemen stood by and watched. But don't raise a hand. For a moment I was afraid of the standard Thai reasoning: if the farang had not been there at the time, the accident would not have happened.
Fortunately, I have been insured first class for six years. In principle, this means that the owner of the car has nothing to fear. Even the deposit to stay out of the cell has been thought of up to an amount of 200.000 THB. The damage expert arrived on his motorcycle after half an hour, took pictures, spoke to the owner of the sign and the police. Then I was directed to the police station.
And there I discovered that my (Thai) driver's license was still on my desk at home. The police didn't care about that. I had to sign quite a few papers, after which the expert followed me home to (also) photograph my driver's license. I now have a paper with which I can have the side of the car sprayed. All's well that ends well?
Hans I still know 1 nice spray shop for you.
In case the insurance designates you 1 where you sometimes lost the car for days.
Due to damage from scratches from branches and small dents, it doesn't take a day for about 1600 Thb.
it is indicated, it is better not to use insurance, because they do not reimburse more than 80% anyway. You end up in a forest of pulling and strangling that can last for weeks. A few stupid scratches like this won't cost you more than 3000 baht. Why make it difficult?
It is about the principle. The Thai always try to get out of it with leg wai and a smile. I believe that even if it takes half a day you should just keep claiming and have an official report drawn up.
A new Toyota Hillux, driven by an elderly Thai, once unzipped itself on the bumper of my Pajero. I had virtually nothing, he had a lot of damage. The police explained this as my fault because I had turned left into the road about 100 meters before. The pickup cut in too early at reasonable speed and unzipped
Wsa we; pathetic and the police also if you have good insurance confiscates your car for days. There was nothing I could do but plead guilty to get the car back.
And now it starts a very long negotiation of my insurance with the counterparty to have him accept a shady cheap repair. The man was given an ear…
I wouldn't lose my no claim (50%) because it wasn't actually my fault. Express my surprise that the premium increase a few months later was more than the damage suffered by the counterparty. The insurance company now accepted my own payment of the damage to the other party and the no-claim discount was restored.
you wonder why to insure all risk in Thailand
Have already had two accidents at fault and am 100% covered and have not had to pay a bath yet.
That is very unusual then; even if you are claim-free for a very long time, your premium will be increased the 2nd time (if it is your fault). That is the case in Thailand and that is the case in the Netherlands.
In Thailand it is better to pay small amounts yourself; because otherwise your premium will indeed be increased more than the damage you have paid.
had a little damage last year was a bit of my own fault
well no problems with insurance she just paid everything am normal
1st class insured
don't know where you get the problems from or don't insure properly
you can get insured anywhere, but if you look for a good one, no problem
January
Who your intermediary is matters a lot.
A house seller from the moobaan where you live Hans would set up 1 project for himself and if I wanted to do it with him, due to lack of sufficient money.
My car was needed to look good and I had the first choice of 1 plot.
I would also become co-director if I paid that country in advance.
When I found out that he was cheating, I was able to get the car back through connections, I had to whistle for the money I had given because of his connection with the police.
In the meantime I had already bought 1 new Chevrolet where I was also insured.
When the car was back he had destroyed many things, including the audio installation.
Everything has been repaired without having to pay 1 Thb through their insurance, even with more expensive items than before.
This is quite normal in Thailand.
I had a contractor who would build the villa according to contract and a BOQ (bill of quality) completely drawn up by me. He renegotiated the BOQ and wanted 20% more due to expensive choice of material. Then a large amount in advance, but 6 payment terms, and always pay in advance. He started claiming the next installment before he finished the previous one. Then fake bills made by his friend with the hardware shop. All materials on the rattle, but I had already paid for it. In the end, working with only a few people and requesting the next installment while he was only halfway through the previous installment and many materials are available, such as the bathrooms and 250 m2 of marble. When he was out of contract, he let him be thrown out (from the estate) and did it himself with chiang. But 75% of the money was used and only 50% of it was done. In the end, about 15% over the original contract price went because my wife managed to find good loacle chiang, but that is a completely different story, you could say from the rain in the drip.
Couple of rules
1. Contract in English and BOQ as well
2. Many small installments 12 or so
3. Never first installment larger than the profit margin (he can then run away)
4. If you are able to arrange the large materials yourself and exclude buddies
5. Smartly verify third-party accounts because they make appointments when you come
6. Careful with extra work, don't sign paper on which you order. This has to do with contract time that can then be extended by 14 days per additional job
7. Penalty clause for late delivery in contract
8. Watch out for commission agreements with other contractors, ie the swimming pool
9. When the roof is on, have the house paper made and put your wife on it. According to Thai law, they can only enter the yard with your wife's permission.
10. If it comes to a problem and you throw him out, hold everything in your yard if he's in your red
Loose Chiang, the problem of quality against quickly werl
If you agree on a unit price, it will be sloppy and fast. If you agree on an hourly rate, it will be very slow work.
Solution, let the chiang give a price, say hang a door, place buah, lay marble. Negotiate that price and then have him do a proof. Say hang one door out of 20 you have. Tell him that if the door hangs very well, he can do the rest. If he has done a good job then you say "you can also hang the other 19 doors, but if they hang worse than this test door then I won't pay, you agree" 🙂
Never pay everything in advance and a fair share when the work is done
A Thai pickup came from behind with 80 puts in and we stopped behind another car. The impact caused us to crash both in front and behind. The whole tug-of-war has lasted 6 weeks, because the insurance is going to haggle with the repairer. Moreover, we already received 10% less because we had selected a repairer who was not on the list of the other party's insurance. In addition, the expert had forgotten to write down the exhaust. Because the repairman used 2nd hand parts, it could all be made for 28k. The original quote was 35k, but the other party's insurance did not want to pay more than 27k.
Our new car with shiny 17″ wheels turned out not to be resistant to potholes in the road. Broken tire and broken wheel. To be able to claim, the wheels first had to be covered by an extra insurance policy. So bought a new wheel plus tire and then show the stuff at the insurance office. Photo taken. Then claimed, but 80% for the wheel and 50% tire. Return old items. Meaningful? So no.
Collision with a moped, that's wrong. Lucky that the moped was affiliated with the same insurance company. The moped was wrong, because it zigzagged across the road and avoiding it was impossible. Guilty? Well, she turned out to be the gig of a police officer. Insurance paid for everything. A fine.
All-risk useful? OF COURSE
Hans,
Did Buddha even consecrate your car? LOL
Cheers,
T.