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Phuket hospital hits back over UK claims they put money first after tourist's motorbike accident

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23 hours ago, HooHaa said:

 

i believe he was actually quite lucky the first time - many travel insurance policies quite clearly state that motorcycle s are out.

 

im surprised they paid anything at all.

 

 

I agree that common exclusion,but if it was covered then surely the second accident would be covered too? There can't be a clause based on "learn your lesson and don't get on a bike again". There can only be an interpretation of different circumstances regarding the second accident e.g. Was he deemed to be unsafe because of the sling,or was the driver in the first instance properly licensed but not the second? Some important detail is missing.

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Never thought I'd say this, but it seems both the hospital and insurance have a decent stance (insurance small print notwithstanding)

 

Like others have said though, from the description it wouldn't appear to be the insurance company's duty, but the 3rd party insurance.

 

Reminds me of when I bought  a new scooter and asked for 1st class, and asked them to clarify what was and what was not covered.  They gave me the info but basically said 3rd party will be taken care of but I wouldn't, with all kinds of limitations, such as 'will only pay  50% of costs' on some items.  I asked to buy 2 sets of insurance since I wanted 100% no matter what/when/where the event.  They laughed and said roughly 'na, we used to do that, but we lost money'.  No sh1t Sherlock, that's why I want the insurance.  These days I just make sure I have enough to take care of those events in the failure of a policy to cover me, and treat the policy as a mere legal requirement rather than something useful.

It's not the cost that bothers me, it's that I don't know if I'd be conscious or of sound mind after a currently unknown event,  Anyhow, I like walking and the bike can stay home.

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13 minutes ago, nchuckle said:

I agree that common exclusion,but if it was covered then surely the second accident would be covered too? There can't be a clause based on "learn your lesson and don't get on a bike again". There can only be an interpretation of different circumstances regarding the second accident e.g. Was he deemed to be unsafe because of the sling,or was the driver in the first instance properly licensed but not the second? Some important detail is missing.

Yes, important information is missing. Was he wearing a helmet e.g.? It really does not matter whether the rider in the first accident did have a valid DL, only whether the rider in the second accident held one.

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2 hours ago, Farang hunter said:

What are embassies for if they can't help their own people

Holiday destinations for the hardworking minsters and their bit on the side, they are not there to help you as that would be interfering in local situations

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23 hours ago, chrissables said:

Motorbikes are so dangerous, really, i am always being attacked by them, it's a terrible problem!

Being rear ended is dangerous, be you on foot, bike or motorbike.

40 years of not being on a motorbike and handing out advise?

How do you travel around Thailand?

 

I travel in my pickup, or a big bus.

 

In spite of not having been on a motorbike for 40 years I can promise you that in those vehicles I stand a much better chance of walking away from an accident unharmed than anyone on two wheels or on foot does. In the same way I know that anyone who goes skiing or mountain climbing has a much better chance of breaking a leg than someone who is at home reading a book. Those who wish to take the risk are welcome to do so, of course.

 

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1 hour ago, KittenKong said:

 

I travel in my pickup, or a big bus.

 

In spite of not having been on a motorbike for 40 years I can promise you that in those vehicles I stand a much better chance of walking away from an accident unharmed than anyone on two wheels or on foot does. In the same way I know that anyone who goes skiing or mountain climbing has a much better chance of breaking a leg than someone who is at home reading a book. Those who wish to take the risk are welcome to do so, of course.

 

 I figure you buy 100kg bails of cottonwool to wrap yourself in.

That is of course your choice

When your number is up, that's it, you go, no matter how wrapped in cottonwool you are.

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Hmm.  The insurance company declines to pay up upon the grounds of recklessness.

 

But here's the thing, in a court of law, recklessness is determined by a jury.

 

And when thinking upon their verdict, the jury is directed by the judge to compare the behavior of the (accused/defendant) with that of a "reasonable person".  But, importantly, a reasonable person in exactly the same circumstances as the (accused/defendant).

 

So in this case, the question that the judge would ask the jury to consider is would a reasonable Thai person in Phuket, with a plaster cast on his arm, ride on the back of a friend's motorbike.  The answer is yes, of course they would, and they would not give it a moment's thought.  

 

Moreover, there are no other affordable transport options on death island.  Jake, as part of your first claim, did your insurance company pay for you to use daily taxis to commute around Phuket until your plaster came off....Yeah....didn't think so...

 

So the insurance company accepted a premium payment to insure this young man in Thailand, however when he sought to make a claim they refused to pay up based on a western version of recklessness.

 

Young man, if you are reading this, make sure you check if there are any time limits on contesting the decision of your insurance company.  As soon as you are well enough you should contact the Insurance Ombudsman back in the UK and make a formal complaint against your insurance company.  You may also engage a lawyer on a no win-no fee basis to pursue your claim.

 

The Ombudsman, or a court of law, needs to determine whether or not you were reckless, not the insurance company.

 

PM me if you need further assistance.

 

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11 minutes ago, WhiteRedPurple said:

A smashed head, broken leg, broken arm? And get on a plane to UK........Glad you aren't a doctor.......I would call you a name but I don't want you crying for gods sake.

 

 

where did i say anything about getting on a plane ?  ...

I was simply stating that most hospitals all over the world will want confirmation on how the bill is to be paid ... either insurance, cash or whatever .... most readers have said the same.

I am sorry that the guy ended up in hospital and I hope he gets the help he needs and recovers soon.  I hope he does eventually get money from the insurance company as they are crooks.

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3 hours ago, steven100 said:

where did i say anything about getting on a plane ?  ...

I was simply stating that most hospitals all over the world will want confirmation on how the bill is to be paid ... either insurance, cash or whatever .... most readers have said the same.

I am sorry that the guy ended up in hospital and I hope he gets the help he needs and recovers soon.  I hope he does eventually get money from the insurance company as they are crooks.

I don't agree with you a lot of the time, but in this instance I am on your side! And I do hate it when people quote you as saying something that is a figment of their own imagination!

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I think the time is coming when ALL travel insurance companies will have an exclusion clause for riding a motorbike on Phuket. 

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22 minutes ago, NamKangMan said:

 

I think the time is coming when ALL travel insurance companies will have an exclusion clause for riding a motorbike on Phuket. 

Of course not, not even for Thailand.

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25 minutes ago, stevenl said:

Of course not, not even for Thailand.

 

Major holiday destination.  No public transport.  The insurance companies know they can not "prove" alcohol as a factor here, to be able to deny the claim.  The high incidents of accidents causing death and injury.  Hospitals ripping off insurance companies for treatment.

 

How long before the risk assessment section of the companies notice losses coming out of Phuket, by way of motorbike accident claims by policy holders?

 

Remember, we only read about the dead, and those who can not pay. 

 

What about the hundreds, if not thousands, that are injured here, and submit a claim????

 

How long do you expect the travel insurance companies to bleed profits out of Phuket's lack of public transport for????

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