by Bump » January 2, 2007, 12:09 pm
I have believe me, if anyone ever runs across one I would really like to know about it. The only policy I have been able to locate thus far is a limited liability. covers injuried third parties only. No collision, no comp, no medical, no theft coverage, no uininsured motorist. Interestingly enough it did cover my wife in our accident a she was a passenger. In the states family members are normally excluded in this type of policy. So it's not without it's merit
But when it's time to set down with the local Police and try to reach settlement, they will not be there to hold your hand. AEK is set up for this sort of accidents and they handled that aspect of it for us.
I'm not one to take legal matters lightly, especially somewhere where I really don't know the law and how it truly functions. Throw in all the rumors about go away ,money. I was more then happy to part with 3K for the legal representation. I knew exactly what I was dealing with I was given the proper information and allowed to make my own decesion.
I was driven to the Police Station by AEK to file report after emergency treatment and then admitted to the hospital. So I wasn't exactly in the best looking condition when I made that report. Guess what the reporting officer said to me well you can go have more whiskey now. It' 1:00 P.M. and I don't even drink. Im a realist in these kind of matters this cop had a peconcieved view of me, based on the drunken farrangs he has dealt with. Not a good place to start.
The investigating officer was much more professional. I can't tell you how things would have went without my lawyer there, but they went just fine for me with her there. Frankly I could have pushed the issue and gotten a lot more then what I agreed to. However what I settled for was what was fair, to me and that is good enough.
So I suppose even without the number one policy I did allright, paid 200 baht for the policy and 3K for the lawyer, thats a lot less then what I pay for number one insurance on the truck.
The entire point of this post was leave your wallet at home in these situations, don't jump to make it go away, that really works against you right or wrong. Thais and Thai cop have certain views of us, just as we do of them. One simple word can change all that " NO"
This was also posted on a bikers board number one insurance for a bike never even came up, because we have all looked for it. Some of these guys have over a million in thier bikes, yes they want the inurance no one has found it yet that I know of. I would love to have that on my bike, I don't have that kind of money in my bike but do have more then 37K in it and would love to have the coverage. So if anyone runs across it please post it.