Crash involving two schoolgirls aged 16

[mat]

I think you should not worry too much. If the girls only had minor injuries your compulsory insurance will cover for the medical costs. The compulsory does not cover for damage on the motorbikes, so the worst thing that can happen is that you have to pay for that (and maybe that's only a small amount) and maybe a 400 baht fine for reckless driving if you upset the police too much.
In this case i would not even blame the police.

[Bernard]

Mat,

What compulsory insurance ?

[Spitfire]

Spitfire while what you say may well be correct, in this case it is immaterial only the police can do anything about No tax or insurance and Who owns the bike is totally immaterial.
IMHO threatening them could in this case very well backfire.

Yes, indeed.......but I did say it was a 'long shot' and that it simply gives you something to 'throw back in their faces' as an answer when the cop and mother of the errant girls says that you are the devil and all.

It's just a retort answer suggestion and I didn't for one minute suggest that you threaten anyone.

It could possibly, when mentioned at the cop shop at decision time, slightly lower the price you end up paying as you have pointed out that they too were in the wrong and the verbal protagonists might 'pipe down' a bit.

As I said, just a suggestion.

[Big Boy]

My wife & daughter were involved in a motorcycle accident the day before Ticketothemoon. Some guy who had been drinking drove his motorcycle straight into theirs at speed. Fortunately my daughter was able to maintain control of her motorcycle and the only injuries were to my wife who sustained a nasty bruise on her arm, picked up when the other guy's head hit it, and a broken shoe. The bike had 2 small scratches.

The other guy had a few nasty cuts, and his bike was written off.

Police witnessed the accident, and agreed that the other guy was at fault. They gave the victims 2 choices:

- Leave the scene, and let their own insurance companies sort out any damage/injury.

- Go to the police station, where both parties would be fined 500 Baht, and own insurance would sort out any damage/injury.

I don't pretend to understand the reasoning behind the above, but TIT.

[HHTel]

Bernard,
When you buy your road tax sticker, compulsory government insurance is part of that cost. Until the last couple of years, there was a separate sticker for your windscreen, however it's now been lumped into one and if your bike is taxed then you automatically have government insurance although it's only similar to 3rd party in the UK. i.e. it pays for the other's medical expenses but not your own.

[Pleng]

And as far as I'm aware it's only 3rd party medical expenses, right? Doesn't include damage to bikes/property?

[alleykat]

I was always under the impression that it paid for the repair of the 3rd party's vehicle, and the hospital expenses of both parties.

It's called "porabow" or something like that.

[VincentD]

Pleng is correct in saying that the Por Ror Bor (compulsory insurance) will only cover third party medical expenses. Any other insurance is over and above this if you want additional coverage (including 3rd party).

The Por Ror Bor is actually seperate from the road tax, just that the law has changed so that the date of the compulsory insurance must coincide with the registration date of your vehicle.

[mat]

Compulsory (Porobo) covers for 3rd party bodily injury (max 50,000 baht a person) or death (max. 200,000 baht a person) but it also covers for bodily injury of the driver of the insured motorbike (max 15,000 baht). This is all it covers, so no coverage for third party property damage or damage to your own motorbike.
I'm not 100 % sure about the same dates (for road tax and compulsory) because i see below the law has changed, but then probably that is only for motorbikes. I do know that you can still pay the road tax for cars without a problem if the end date for your compulsory is earlier as the date the road tax expires. So if you want to check the expiry date of your compulsory, check the policy and not the date on the road tax sticker.

[VincentD]

Mat, the Por Ror Bor dates coinciding with road tax dates are also for cars. The only insurance I have to check the expiry dates on are for my comprehensive insurance package.

[Ticketothemoon]

Outcome

Reluctantly paid 4000 baht for the damage of her bike and with no admission of guilt. Police mentioned they would only fine us if we couldn’t sort and if we didn’t sort it would be 500 baht each and civil action .
Left her with a thought if I hadn’t have swerved and practically stopped my bike awaiting impact, heR daughter would possibly have fatal injuries and also the fact she has no license , no insurance , doesn’t own the bike and was speeding.
Waste of breath as she just saw the dollar sign. no interest in the safety of her child.

Then the police lady told her to calm down and possibly go to the toilet as her period had obviously started.

TIT next time if someone’s coming at me I will just jump off the bike and let it hit them. As long as it stays on the right side of the road. I’m surely OK.
Or maybe if the police had checked the tyre marks from me breaking on my side of the road . they may have come to a conclusion.

Am I bitter, "no" I’m just glad no one was badly injured but will they learn a lesson from it. I DOUBT IT AND I BLAME THE MOTHER AFTER EXPERINCING SOMETHING CALLED A MOTHER!

[Nereus]

Compulsory (Porobo) covers for 3rd party bodily injury (max 50,000 baht a person) or death (max. 200,000 baht a person) but it also covers for bodily injury of the driver of the insured motorbike (max 15,000 baht). This is all it covers, so no coverage for third party property damage or damage to your own motorbike.
I'm not 100 % sure about the same dates (for road tax and compulsory) because i see below the law has changed, but then probably that is only for motorbikes. I do know that you can still pay the road tax for cars without a problem if the end date for your compulsory is earlier as the date the road tax expires. So if you want to check the expiry date of your compulsory, check the policy and not the date on the road tax sticker.

I guess that this is losing something in the translation?
There is NO 3rd party insurance if the vehicle, (motor bike or car), is NOT registered / road taxed! It is confusing to talk about "insurance" when the crux of the matter is registration / road tax.
You CANNOT pay the registration / road tax for a car UNLESS you have a valid current "3rd party" compulsory insurance certificate.

[H2ODunc]

You admit you had seen the girls so I fail to see why you needed to swerve at all never mind all the way across to the other side of the road ? This is something which if you have ridden on a Thai road for even a short time is common and should be of no great danger. I must be missing something.
Your best option would be to pay and learn from it.

[Stu-Pot]

In my opinion ( & experience), it is not always best just to accept your lot as the "Farang" & pay up.

Of course it depends on the seriousness of the accident also, and how much cash is being requested. You made the right call to fork out the THB 4k & be done with it

Some years ago, I was involved in a fairly serious accident, which resulted in some serious injuries to the motorcycle guy who rammed the left side of my car. I put him in the back of the truck & took him to hospital, or for sure.....he was dead!. He eventually thanked me

He survived, and of course the police....his wife....his mates.....all blamed me, and the requests for money flowed in.

My insurance company saw it different. They said that it was certainly not may fault, and advised me NOT to pay anything.

To cut a long story short, after several court apperances, and threats about Visa's etc....we each signed a document claiming 50% blame, and the respective insurance companies paid the costs.

Nothing from my pocket....and we all shook hands afterwards.

The following year, my insurance premium increased by THB 2,000. A LOT cheaper than the THB 300,000 asked for by his wife & the THB 50,000 from the MIB

When you're not wrong....say so!
When you are wrong...pay up!

[mat]

Compulsory (Porobo) covers for 3rd party bodily injury (max 50,000 baht a person) or death (max. 200,000 baht a person) but it also covers for bodily injury of the driver of the insured motorbike (max 15,000 baht). This is all it covers, so no coverage for third party property damage or damage to your own motorbike.
I'm not 100 % sure about the same dates (for road tax and compulsory) because i see below the law has changed, but then probably that is only for motorbikes. I do know that you can still pay the road tax for cars without a problem if the end date for your compulsory is earlier as the date the road tax expires. So if you want to check the expiry date of your compulsory, check the policy and not the date on the road tax sticker.

I guess that this is losing something in the translation?
There is NO 3rd party insurance if the vehicle, (motor bike or car), is NOT registered / road taxed! It is confusing to talk about "insurance" when the crux of the matter is registration / road tax.
You CANNOT pay the registration / road tax for a car UNLESS you have a valid current "3rd party" compulsory insurance certificate.

If things are lost in translation i apologize (not a native English speaker). But the fact is that the insurance companies don't care at all if you pay your road tax or not. As long as you have a valid CTPL (Compulsory Third Party Liability), you will have the coverage of the compulsory even if you never paid road tax. Only the police can give you a ticket if you did not pay your road tax and if you go pay it too late, the office will fine you for 1 % for every month you are late.

It is correct that you can only pay the roadtax when showing a valid compulsory, but by experience (we pay road tax for many clients of us) we know that this is also accepted if the compulsory is only valid for at least the next 6 months.